Home > Valley Republic Bank > Performance and Condition Ratios
Valley Republic Bank, Performance and Condition Ratios
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4491% | 2,805 |
| Cost of funding earning assets | 0.1326% | 4,132 |
| Net interest margin | 3.3165% | 2,265 |
| Noninterest income to average assets | 0.2217% | 4,041 |
| Noninterest expense to average assets | 1.4335% | 4,599 |
| Loan and lease loss provision to assets | 0.0371% | 2,301 |
| Net operating income to assets | 1.3805% | 1,344 |
| Return on assets (ROA) | 1.3820% | 1,392 |
| Pretax return on assets | 1.9323% | 680 |
| Return on Equity (ROE) | 13.4472% | 1,332 |
| Retained earnings to average equity (ytd only) | 13.4472% | 354 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.1509% | 4,638 |
| Assets per employee ($millions) | 11.6832% | 430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3415% | 2,175 |
| Loan loss allowance to noncurrent loans | 488.7522% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 0.1651% | 2,784 |
| Noncurrent loans to loans | 0.2745% | 2,623 |
| Net loans and leases to total assets | 59.3400% | 2,225 |
| Net loans and leases to deposits | 67.0811% | 2,398 |
| Net loans and leases to core deposits | 67.9039% | 2,654 |
| Total domestic deposits to total assets | 88.4601% | 1,805 |
| Equity capital to assets | 10.5619% | 2,117 |
| Core capital (leverage) ratio | 10.1951% | 2,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,347,643,400 | 743 |
| Average earning assets | $1,291,878,200 | 719 |
| Average equity | $138,504,200 | 760 |
| Average total loans | $891,191,800 | 732 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3167% | 3,340 |
| Cost of funding earning assets | 0.1337% | 4,240 |
| Net interest margin | 3.1829% | 2,781 |
| Noninterest income to average assets | 0.2015% | 4,192 |
| Noninterest expense to average assets | 1.3341% | 4,725 |
| Loan and lease loss provision to assets | 0.0498% | 1,999 |
| Net operating income to assets | 1.3249% | 1,745 |
| Return on assets (ROA) | 1.3259% | 1,802 |
| Pretax return on assets | 1.8670% | 1,006 |
| Return on Equity (ROE) | 12.9938% | 1,694 |
| Retained earnings to average equity (ytd only) | 12.9938% | 645 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0552% | 4,689 |
| Assets per employee ($millions) | 11.5597% | 421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2557% | 2,705 |
| Loan loss allowance to noncurrent loans | 481.1419% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.1639% | 3,026 |
| Noncurrent loans to loans | 0.2610% | 2,883 |
| Net loans and leases to total assets | 62.0284% | 1,999 |
| Net loans and leases to deposits | 69.7086% | 2,269 |
| Net loans and leases to core deposits | 70.4342% | 2,557 |
| Total domestic deposits to total assets | 88.9824% | 1,287 |
| Equity capital to assets | 10.1753% | 2,735 |
| Core capital (leverage) ratio | 10.1259% | 2,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,339,899,750 | 751 |
| Average earning assets | $1,283,105,500 | 730 |
| Average equity | $136,728,250 | 779 |
| Average total loans | $906,690,750 | 734 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4550% | 3,018 |
| Cost of funding earning assets | 0.1334% | 4,325 |
| Net interest margin | 3.3217% | 2,376 |
| Noninterest income to average assets | 0.2157% | 4,115 |
| Noninterest expense to average assets | 1.3482% | 4,759 |
| Loan and lease loss provision to assets | 0.0760% | 1,567 |
| Net operating income to assets | 1.3866% | 1,596 |
| Return on assets (ROA) | 1.3881% | 1,665 |
| Pretax return on assets | 1.9683% | 885 |
| Return on Equity (ROE) | 13.5896% | 1,541 |
| Retained earnings to average equity (ytd only) | 13.5896% | 618 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.7634% | 4,754 |
| Assets per employee ($millions) | 11.9732% | 353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2310% | 2,770 |
| Loan loss allowance to noncurrent loans | 474.3710% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 0.1718% | 3,119 |
| Noncurrent loans to loans | 0.2595% | 3,014 |
| Net loans and leases to total assets | 65.3900% | 1,771 |
| Net loans and leases to deposits | 73.5682% | 2,039 |
| Net loans and leases to core deposits | 74.3693% | 2,373 |
| Total domestic deposits to total assets | 88.8835% | 1,339 |
| Equity capital to assets | 10.2409% | 2,626 |
| Core capital (leverage) ratio | 10.1035% | 2,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,316,437,000 | 761 |
| Average earning assets | $1,258,227,333 | 739 |
| Average equity | $134,470,667 | 785 |
| Average total loans | $913,620,000 | 735 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3126% | 3,416 |
| Cost of funding earning assets | 0.1296% | 4,461 |
| Net interest margin | 3.1829% | 2,752 |
| Noninterest income to average assets | 0.1566% | 4,420 |
| Noninterest expense to average assets | 1.3221% | 4,809 |
| Loan and lease loss provision to assets | 0.1161% | 1,181 |
| Net operating income to assets | 1.2802% | 1,890 |
| Return on assets (ROA) | 1.2831% | 1,951 |
| Pretax return on assets | 1.7697% | 1,357 |
| Return on Equity (ROE) | 12.5783% | 1,802 |
| Retained earnings to average equity (ytd only) | 12.5783% | 1,009 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2617% | 4,698 |
| Assets per employee ($millions) | 11.8360% | 363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1133% | 3,365 |
| Loan loss allowance to noncurrent loans | 1,010.9375% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.0806% | 3,807 |
| Noncurrent loans to loans | 0.1101% | 3,758 |
| Net loans and leases to total assets | 72.4059% | 965 |
| Net loans and leases to deposits | 81.4098% | 1,386 |
| Net loans and leases to core deposits | 82.4809% | 1,806 |
| Total domestic deposits to total assets | 88.9401% | 1,373 |
| Equity capital to assets | 9.8355% | 2,859 |
| Core capital (leverage) ratio | 10.3913% | 2,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,292,183,500 | 770 |
| Average earning assets | $1,237,232,500 | 746 |
| Average equity | $131,814,500 | 791 |
| Average total loans | $918,599,500 | 726 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4986% | 4,037 |
| Cost of funding earning assets | 0.2421% | 4,416 |
| Net interest margin | 3.2565% | 3,187 |
| Noninterest income to average assets | 0.2194% | 4,183 |
| Noninterest expense to average assets | 1.5037% | 4,778 |
| Loan and lease loss provision to assets | 0.2053% | 1,915 |
| Net operating income to assets | 1.1637% | 1,672 |
| Return on assets (ROA) | 1.2426% | 1,513 |
| Pretax return on assets | 1.7080% | 840 |
| Return on Equity (ROE) | 12.3836% | 1,210 |
| Retained earnings to average equity (ytd only) | 12.3836% | 287 |
| Net charge-offs to loans | -0.0001% | 3,891 |
| Credit loss provision to net charge-offs | -227,500.0000% | 4,519 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3324% | 4,738 |
| Assets per employee ($millions) | 11.0274% | 394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2510% | 2,679 |
| Loan loss allowance to noncurrent loans | 947.7252% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.0908% | 3,868 |
| Noncurrent loans to loans | 0.1320% | 3,750 |
| Net loans and leases to total assets | 67.8994% | 1,840 |
| Net loans and leases to deposits | 77.1842% | 2,154 |
| Net loans and leases to core deposits | 78.5299% | 2,505 |
| Total domestic deposits to total assets | 87.9705% | 1,486 |
| Equity capital to assets | 10.6002% | 2,592 |
| Core capital (leverage) ratio | 10.4519% | 2,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,108,323,600 | 805 |
| Average earning assets | $1,054,247,400 | 784 |
| Average equity | $111,212,000 | 880 |
| Average total loans | $767,708,400 | 807 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4700% | 4,257 |
| Cost of funding earning assets | 0.2780% | 4,397 |
| Net interest margin | 3.1920% | 3,508 |
| Noninterest income to average assets | 0.2156% | 4,194 |
| Noninterest expense to average assets | 1.5032% | 4,799 |
| Loan and lease loss provision to assets | 0.2074% | 1,937 |
| Net operating income to assets | 1.1111% | 1,948 |
| Return on assets (ROA) | 1.2162% | 1,712 |
| Pretax return on assets | 1.6698% | 1,030 |
| Return on Equity (ROE) | 12.3200% | 1,294 |
| Retained earnings to average equity (ytd only) | 12.3200% | 393 |
| Net charge-offs to loans | -0.0002% | 3,764 |
| Credit loss provision to net charge-offs | -167,500.0000% | 4,475 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2894% | 4,699 |
| Assets per employee ($millions) | 10.8543% | 395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1589% | 2,890 |
| Loan loss allowance to noncurrent loans | 881.6183% | 659 |
| Noncurrent assets plus other real estate owned to assets | 0.0952% | 3,956 |
| Noncurrent loans to loans | 0.1315% | 3,854 |
| Net loans and leases to total assets | 71.6046% | 1,723 |
| Net loans and leases to deposits | 81.8011% | 2,121 |
| Net loans and leases to core deposits | 83.2817% | 2,554 |
| Total domestic deposits to total assets | 87.5349% | 1,426 |
| Equity capital to assets | 10.5818% | 2,719 |
| Core capital (leverage) ratio | 10.4909% | 2,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,076,638,000 | 809 |
| Average earning assets | $1,022,573,750 | 792 |
| Average equity | $106,285,250 | 913 |
| Average total loans | $747,329,000 | 824 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5262% | 4,381 |
| Cost of funding earning assets | 0.3352% | 4,336 |
| Net interest margin | 3.1909% | 3,693 |
| Noninterest income to average assets | 0.2165% | 4,190 |
| Noninterest expense to average assets | 1.5450% | 4,822 |
| Loan and lease loss provision to assets | 0.2072% | 1,981 |
| Net operating income to assets | 1.0712% | 2,068 |
| Return on assets (ROA) | 1.2349% | 1,652 |
| Pretax return on assets | 1.6954% | 1,011 |
| Return on Equity (ROE) | 12.8636% | 1,134 |
| Retained earnings to average equity (ytd only) | 12.8636% | 376 |
| Net charge-offs to loans | -0.0003% | 3,713 |
| Credit loss provision to net charge-offs | -107,500.0000% | 4,349 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6800% | 4,649 |
| Assets per employee ($millions) | 10.9807% | 386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0993% | 3,067 |
| Loan loss allowance to noncurrent loans | 556.9740% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.1388% | 3,824 |
| Noncurrent loans to loans | 0.1974% | 3,669 |
| Net loans and leases to total assets | 69.5603% | 2,103 |
| Net loans and leases to deposits | 79.9554% | 2,428 |
| Net loans and leases to core deposits | 82.9157% | 2,705 |
| Total domestic deposits to total assets | 86.9988% | 1,620 |
| Equity capital to assets | 8.5790% | 4,429 |
| Core capital (leverage) ratio | 9.7024% | 3,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,037,527,333 | 817 |
| Average earning assets | $983,223,667 | 804 |
| Average equity | $99,599,000 | 950 |
| Average total loans | $708,118,333 | 849 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8755% | 4,088 |
| Cost of funding earning assets | 0.4937% | 3,970 |
| Net interest margin | 3.3818% | 3,354 |
| Noninterest income to average assets | 0.1576% | 4,587 |
| Noninterest expense to average assets | 1.7409% | 4,734 |
| Loan and lease loss provision to assets | 0.1584% | 1,823 |
| Net operating income to assets | 1.0579% | 1,978 |
| Return on assets (ROA) | 1.0536% | 2,089 |
| Pretax return on assets | 1.4414% | 1,459 |
| Return on Equity (ROE) | 10.2723% | 1,652 |
| Retained earnings to average equity (ytd only) | 10.2723% | 697 |
| Net charge-offs to loans | -0.0006% | 3,592 |
| Credit loss provision to net charge-offs | -37,500.0000% | 4,051 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0263% | 4,549 |
| Assets per employee ($millions) | 8.6822% | 592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3582% | 1,868 |
| Loan loss allowance to noncurrent loans | 17,448.0000% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 4,617 |
| Noncurrent loans to loans | 0.0078% | 4,546 |
| Net loans and leases to total assets | 66.3426% | 2,777 |
| Net loans and leases to deposits | 75.1626% | 3,156 |
| Net loans and leases to core deposits | 78.8108% | 3,298 |
| Total domestic deposits to total assets | 88.2654% | 991 |
| Equity capital to assets | 10.4228% | 3,390 |
| Core capital (leverage) ratio | 10.6313% | 2,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3703% | 2,540 |
| Memoranda: | ||
| Average total assets | $946,862,500 | 869 |
| Average earning assets | $892,788,000 | 850 |
| Average equity | $97,115,500 | 965 |
| Average total loans | $633,545,500 | 899 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2390% | 3,710 |
| Cost of funding earning assets | 0.7965% | 2,703 |
| Net interest margin | 3.4426% | 3,615 |
| Noninterest income to average assets | 0.2226% | 4,333 |
| Noninterest expense to average assets | 1.8690% | 4,692 |
| Loan and lease loss provision to assets | 0.1624% | 1,284 |
| Net operating income to assets | 1.1660% | 2,192 |
| Return on assets (ROA) | 1.2137% | 2,098 |
| Pretax return on assets | 1.4556% | 1,957 |
| Return on Equity (ROE) | 12.1628% | 1,452 |
| Retained earnings to average equity (ytd only) | 12.1628% | 228 |
| Net charge-offs to loans | -0.0023% | 4,236 |
| Credit loss provision to net charge-offs | -10,800.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4964% | 4,376 |
| Assets per employee ($millions) | 8.3811% | 622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3362% | 1,765 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 65.6685% | 2,992 |
| Net loans and leases to deposits | 74.1788% | 3,335 |
| Net loans and leases to core deposits | 78.0946% | 3,440 |
| Total domestic deposits to total assets | 88.5273% | 873 |
| Equity capital to assets | 10.0874% | 3,845 |
| Core capital (leverage) ratio | 10.4062% | 3,066 |
| Tier 1 risk-based capital ratio | 12.0386% | 4,341 |
| Total risk-based capital ratio | 13.1214% | 4,307 |
| Memoranda: | ||
| Average total assets | $864,434,200 | 913 |
| Average earning assets | $805,274,800 | 903 |
| Average equity | $86,263,200 | 1,021 |
| Average total loans | $573,142,600 | 949 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2874% | 3,693 |
| Cost of funding earning assets | 0.8423% | 2,502 |
| Net interest margin | 3.4450% | 3,746 |
| Noninterest income to average assets | 0.2037% | 4,500 |
| Noninterest expense to average assets | 1.9175% | 4,680 |
| Loan and lease loss provision to assets | 0.1631% | 1,144 |
| Net operating income to assets | 1.1630% | 2,326 |
| Return on assets (ROA) | 1.2314% | 2,167 |
| Pretax return on assets | 1.4029% | 2,304 |
| Return on Equity (ROE) | 12.3766% | 1,491 |
| Retained earnings to average equity (ytd only) | 12.3766% | 342 |
| Net charge-offs to loans | -0.0014% | 4,028 |
| Credit loss provision to net charge-offs | -17,250.0000% | 4,694 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3012% | 4,138 |
| Assets per employee ($millions) | 8.6321% | 549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3531% | 1,749 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 63.5170% | 3,336 |
| Net loans and leases to deposits | 71.8783% | 3,621 |
| Net loans and leases to core deposits | 75.8804% | 3,705 |
| Total domestic deposits to total assets | 88.3674% | 892 |
| Equity capital to assets | 10.1899% | 3,834 |
| Core capital (leverage) ratio | 10.1360% | 3,488 |
| Tier 1 risk-based capital ratio | 12.4252% | 4,186 |
| Total risk-based capital ratio | 13.5272% | 4,149 |
| Memoranda: | ||
| Average total assets | $845,871,750 | 931 |
| Average earning assets | $786,230,750 | 920 |
| Average equity | $84,156,750 | 1,037 |
| Average total loans | $560,236,250 | 963 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2637% | 3,748 |
| Cost of funding earning assets | 0.8076% | 2,606 |
| Net interest margin | 3.4562% | 3,724 |
| Noninterest income to average assets | 0.2263% | 4,391 |
| Noninterest expense to average assets | 1.9239% | 4,717 |
| Loan and lease loss provision to assets | 0.1619% | 1,120 |
| Net operating income to assets | 1.2845% | 1,835 |
| Return on assets (ROA) | 1.3483% | 1,650 |
| Pretax return on assets | 1.4159% | 2,151 |
| Return on Equity (ROE) | 13.6744% | 1,060 |
| Retained earnings to average equity (ytd only) | 13.6744% | 248 |
| Net charge-offs to loans | -0.0022% | 3,969 |
| Credit loss provision to net charge-offs | -11,100.0000% | 4,539 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0156% | 4,242 |
| Assets per employee ($millions) | 8.4288% | 573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3109% | 1,969 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 65.9322% | 3,119 |
| Net loans and leases to deposits | 74.8187% | 3,442 |
| Net loans and leases to core deposits | 79.2432% | 3,484 |
| Total domestic deposits to total assets | 88.1225% | 1,043 |
| Equity capital to assets | 10.3845% | 3,620 |
| Core capital (leverage) ratio | 10.7119% | 2,884 |
| Tier 1 risk-based capital ratio | 12.2250% | 4,285 |
| Total risk-based capital ratio | 13.2827% | 4,286 |
| Memoranda: | ||
| Average total assets | $822,827,000 | 950 |
| Average earning assets | $763,789,330 | 944 |
| Average equity | $81,129,670 | 1,065 |
| Average total loans | $550,596,330 | 980 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1862% | 3,912 |
| Cost of funding earning assets | 0.7466% | 2,806 |
| Net interest margin | 3.4396% | 3,775 |
| Noninterest income to average assets | 0.1555% | 4,810 |
| Noninterest expense to average assets | 1.9876% | 4,668 |
| Loan and lease loss provision to assets | 0.1485% | 1,141 |
| Net operating income to assets | 1.4702% | 1,178 |
| Return on assets (ROA) | 1.4842% | 1,170 |
| Pretax return on assets | 1.2093% | 2,770 |
| Return on Equity (ROE) | 15.5005% | 663 |
| Retained earnings to average equity (ytd only) | 15.5005% | 243 |
| Net charge-offs to loans | -0.0022% | 3,873 |
| Credit loss provision to net charge-offs | -9,900.0000% | 4,243 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6639% | 3,854 |
| Assets per employee ($millions) | 8.2054% | 625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3143% | 2,027 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 66.1667% | 3,029 |
| Net loans and leases to deposits | 75.2970% | 3,325 |
| Net loans and leases to core deposits | 80.1379% | 3,361 |
| Total domestic deposits to total assets | 87.8743% | 1,403 |
| Equity capital to assets | 10.5776% | 3,275 |
| Core capital (leverage) ratio | 11.2532% | 2,336 |
| Tier 1 risk-based capital ratio | 12.4902% | 4,174 |
| Total risk-based capital ratio | 13.5480% | 4,160 |
| Memoranda: | ||
| Average total assets | $800,158,000 | 971 |
| Average earning assets | $738,812,500 | 979 |
| Average equity | $76,617,000 | 1,118 |
| Average total loans | $535,893,000 | 1,011 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9178% | 4,236 |
| Cost of funding earning assets | 0.4983% | 3,373 |
| Net interest margin | 3.4195% | 3,943 |
| Noninterest income to average assets | 0.3205% | 3,960 |
| Noninterest expense to average assets | 1.8390% | 4,962 |
| Loan and lease loss provision to assets | 0.1121% | 1,970 |
| Net operating income to assets | 1.2519% | 1,967 |
| Return on assets (ROA) | 1.2537% | 1,961 |
| Pretax return on assets | 1.5849% | 1,514 |
| Return on Equity (ROE) | 14.6983% | 899 |
| Retained earnings to average equity (ytd only) | 14.6983% | 132 |
| Net charge-offs to loans | -0.0021% | 4,237 |
| Credit loss provision to net charge-offs | -8,050.0000% | 4,960 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0410% | 4,793 |
| Assets per employee ($millions) | 7.9569% | 666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3287% | 1,910 |
| Loan loss allowance to noncurrent loans | 658.8403% | 862 |
| Noncurrent assets plus other real estate owned to assets | 0.1349% | 4,147 |
| Noncurrent loans to loans | 0.2017% | 3,860 |
| Net loans and leases to total assets | 66.0061% | 3,134 |
| Net loans and leases to deposits | 73.0804% | 3,579 |
| Net loans and leases to core deposits | 78.1533% | 3,567 |
| Total domestic deposits to total assets | 90.3199% | 372 |
| Equity capital to assets | 8.5204% | 4,921 |
| Core capital (leverage) ratio | 8.6468% | 4,920 |
| Tier 1 risk-based capital ratio | 10.3881% | 5,223 |
| Total risk-based capital ratio | 11.4778% | 5,185 |
| Memoranda: | ||
| Average total assets | $718,201,800 | 1,038 |
| Average earning assets | $674,894,200 | 1,021 |
| Average equity | $61,258,600 | 1,295 |
| Average total loans | $475,401,800 | 1,097 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8371% | 4,347 |
| Cost of funding earning assets | 0.4281% | 3,677 |
| Net interest margin | 3.4090% | 3,981 |
| Noninterest income to average assets | 0.3081% | 4,083 |
| Noninterest expense to average assets | 1.8182% | 5,021 |
| Loan and lease loss provision to assets | 0.1144% | 1,771 |
| Net operating income to assets | 1.2794% | 1,931 |
| Return on assets (ROA) | 1.2785% | 1,934 |
| Pretax return on assets | 1.5773% | 1,646 |
| Return on Equity (ROE) | 14.9844% | 880 |
| Retained earnings to average equity (ytd only) | 14.9844% | 176 |
| Net charge-offs to loans | -0.0029% | 4,130 |
| Credit loss provision to net charge-offs | -6,030.0000% | 4,869 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7858% | 4,830 |
| Assets per employee ($millions) | 8.2913% | 573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3927% | 1,729 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 61.1303% | 3,738 |
| Net loans and leases to deposits | 67.1231% | 4,117 |
| Net loans and leases to core deposits | 72.2839% | 4,063 |
| Total domestic deposits to total assets | 91.0719% | 199 |
| Equity capital to assets | 8.1314% | 5,120 |
| Core capital (leverage) ratio | 8.9146% | 4,787 |
| Tier 1 risk-based capital ratio | 11.0694% | 5,002 |
| Total risk-based capital ratio | 12.2397% | 4,937 |
| Memoranda: | ||
| Average total assets | $702,809,250 | 1,061 |
| Average earning assets | $660,314,000 | 1,039 |
| Average equity | $59,963,250 | 1,323 |
| Average total loans | $463,845,250 | 1,124 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8410% | 4,242 |
| Cost of funding earning assets | 0.3718% | 3,928 |
| Net interest margin | 3.4693% | 3,736 |
| Noninterest income to average assets | 0.2897% | 4,245 |
| Noninterest expense to average assets | 1.8737% | 4,996 |
| Loan and lease loss provision to assets | 0.1193% | 1,659 |
| Net operating income to assets | 1.2875% | 1,829 |
| Return on assets (ROA) | 1.2860% | 1,835 |
| Pretax return on assets | 1.5521% | 1,650 |
| Return on Equity (ROE) | 14.8064% | 891 |
| Retained earnings to average equity (ytd only) | 14.8064% | 210 |
| Net charge-offs to loans | -0.0044% | 4,071 |
| Credit loss provision to net charge-offs | -4,040.0000% | 4,737 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8266% | 4,801 |
| Assets per employee ($millions) | 7.6744% | 716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3990% | 1,747 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 67.3824% | 2,965 |
| Net loans and leases to deposits | 74.7609% | 3,460 |
| Net loans and leases to core deposits | 80.2505% | 3,398 |
| Total domestic deposits to total assets | 90.1305% | 527 |
| Equity capital to assets | 8.9474% | 4,601 |
| Core capital (leverage) ratio | 9.1228% | 4,551 |
| Tier 1 risk-based capital ratio | 10.9554% | 5,073 |
| Total risk-based capital ratio | 12.1256% | 5,009 |
| Memoranda: | ||
| Average total assets | $677,284,670 | 1,083 |
| Average earning assets | $635,870,330 | 1,072 |
| Average equity | $58,826,000 | 1,348 |
| Average total loans | $457,404,330 | 1,132 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7289% | 4,409 |
| Cost of funding earning assets | 0.3494% | 4,001 |
| Net interest margin | 3.3795% | 3,950 |
| Noninterest income to average assets | 0.3754% | 3,629 |
| Noninterest expense to average assets | 1.9258% | 4,982 |
| Loan and lease loss provision to assets | 0.1198% | 1,577 |
| Net operating income to assets | 1.3784% | 1,400 |
| Return on assets (ROA) | 1.3784% | 1,416 |
| Pretax return on assets | 1.5077% | 1,670 |
| Return on Equity (ROE) | 16.1158% | 600 |
| Retained earnings to average equity (ytd only) | 16.1158% | 243 |
| Net charge-offs to loans | -0.0080% | 4,164 |
| Credit loss provision to net charge-offs | -2,244.4444% | 4,311 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1980% | 4,781 |
| Assets per employee ($millions) | 7.8307% | 667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3827% | 1,905 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 66.2382% | 2,995 |
| Net loans and leases to deposits | 73.3050% | 3,484 |
| Net loans and leases to core deposits | 85.5615% | 2,841 |
| Total domestic deposits to total assets | 90.3597% | 516 |
| Equity capital to assets | 8.6854% | 4,830 |
| Core capital (leverage) ratio | 8.8647% | 4,832 |
| Tier 1 risk-based capital ratio | 10.8812% | 5,198 |
| Total risk-based capital ratio | 12.0483% | 5,139 |
| Memoranda: | ||
| Average total assets | $674,415,000 | 1,100 |
| Average earning assets | $634,182,500 | 1,083 |
| Average equity | $57,682,500 | 1,377 |
| Average total loans | $452,722,500 | 1,147 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5756% | 4,623 |
| Cost of funding earning assets | 0.2223% | 4,773 |
| Net interest margin | 3.3533% | 4,000 |
| Noninterest income to average assets | 0.2943% | 4,351 |
| Noninterest expense to average assets | 1.8624% | 5,171 |
| Loan and lease loss provision to assets | 0.1081% | 2,080 |
| Net operating income to assets | 0.8244% | 3,059 |
| Return on assets (ROA) | 0.8253% | 3,097 |
| Pretax return on assets | 1.4538% | 1,805 |
| Return on Equity (ROE) | 9.8877% | 1,938 |
| Retained earnings to average equity (ytd only) | 9.8877% | 366 |
| Net charge-offs to loans | 0.0145% | 3,600 |
| Credit loss provision to net charge-offs | 1,134.4262% | 322 |
| Earnings coverage of net charge-offs (x) | 163.6885% | 449 |
| Efficiency ratio | 54.4106% | 4,918 |
| Assets per employee ($millions) | 7.7624% | 691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3656% | 1,905 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 66.1725% | 3,081 |
| Net loans and leases to deposits | 73.2041% | 3,576 |
| Net loans and leases to core deposits | 82.6185% | 3,188 |
| Total domestic deposits to total assets | 90.3945% | 434 |
| Equity capital to assets | 8.4178% | 5,179 |
| Core capital (leverage) ratio | 8.4777% | 5,157 |
| Tier 1 risk-based capital ratio | 10.4215% | 5,398 |
| Total risk-based capital ratio | 11.5687% | 5,358 |
| Memoranda: | ||
| Average total assets | $639,856,800 | 1,135 |
| Average earning assets | $596,994,600 | 1,120 |
| Average equity | $53,410,000 | 1,444 |
| Average total loans | $420,299,000 | 1,185 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5181% | 4,771 |
| Cost of funding earning assets | 0.2151% | 4,846 |
| Net interest margin | 3.3030% | 4,167 |
| Noninterest income to average assets | 0.3154% | 4,281 |
| Noninterest expense to average assets | 1.8875% | 5,154 |
| Loan and lease loss provision to assets | 0.1513% | 1,374 |
| Net operating income to assets | 0.9085% | 2,986 |
| Return on assets (ROA) | 0.9098% | 3,036 |
| Pretax return on assets | 1.3549% | 2,261 |
| Return on Equity (ROE) | 10.9241% | 1,733 |
| Retained earnings to average equity (ytd only) | 10.9241% | 422 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6487% | 4,780 |
| Assets per employee ($millions) | 8.0663% | 616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4066% | 1,856 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 64.9415% | 3,260 |
| Net loans and leases to deposits | 71.7723% | 3,796 |
| Net loans and leases to core deposits | 80.4532% | 3,418 |
| Total domestic deposits to total assets | 90.4827% | 334 |
| Equity capital to assets | 8.2716% | 5,410 |
| Core capital (leverage) ratio | 8.6143% | 5,143 |
| Tier 1 risk-based capital ratio | 10.3937% | 5,488 |
| Total risk-based capital ratio | 11.5769% | 5,446 |
| Memoranda: | ||
| Average total assets | $632,930,250 | 1,147 |
| Average earning assets | $589,512,000 | 1,138 |
| Average equity | $52,714,000 | 1,474 |
| Average total loans | $413,409,000 | 1,213 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4516% | 4,873 |
| Cost of funding earning assets | 0.2079% | 4,905 |
| Net interest margin | 3.2437% | 4,280 |
| Noninterest income to average assets | 0.2987% | 4,398 |
| Noninterest expense to average assets | 1.9122% | 5,170 |
| Loan and lease loss provision to assets | 0.1453% | 1,406 |
| Net operating income to assets | 0.8608% | 3,110 |
| Return on assets (ROA) | 0.8628% | 3,159 |
| Pretax return on assets | 1.2550% | 2,557 |
| Return on Equity (ROE) | 10.3346% | 1,901 |
| Retained earnings to average equity (ytd only) | 10.3346% | 528 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7784% | 4,622 |
| Assets per employee ($millions) | 7.8851% | 647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4248% | 1,843 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 64.3027% | 3,347 |
| Net loans and leases to deposits | 71.2706% | 3,802 |
| Net loans and leases to core deposits | 76.2949% | 3,744 |
| Total domestic deposits to total assets | 90.2233% | 459 |
| Equity capital to assets | 8.3633% | 5,373 |
| Core capital (leverage) ratio | 8.5987% | 5,144 |
| Tier 1 risk-based capital ratio | 10.3910% | 5,511 |
| Total risk-based capital ratio | 11.5668% | 5,466 |
| Memoranda: | ||
| Average total assets | $620,738,330 | 1,172 |
| Average earning assets | $576,198,000 | 1,167 |
| Average equity | $51,825,670 | 1,499 |
| Average total loans | $404,215,330 | 1,236 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3625% | 5,011 |
| Cost of funding earning assets | 0.1985% | 4,995 |
| Net interest margin | 3.1640% | 4,456 |
| Noninterest income to average assets | 0.3387% | 4,137 |
| Noninterest expense to average assets | 1.9289% | 5,185 |
| Loan and lease loss provision to assets | 0.1530% | 1,207 |
| Net operating income to assets | 0.8134% | 3,164 |
| Return on assets (ROA) | 0.8134% | 3,219 |
| Pretax return on assets | 1.1965% | 2,610 |
| Return on Equity (ROE) | 9.7510% | 2,084 |
| Retained earnings to average equity (ytd only) | 9.7510% | 873 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8353% | 4,611 |
| Assets per employee ($millions) | 8.0562% | 604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4087% | 2,039 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 62.1043% | 3,520 |
| Net loans and leases to deposits | 68.6074% | 3,931 |
| Net loans and leases to core deposits | 71.6091% | 4,020 |
| Total domestic deposits to total assets | 90.5213% | 468 |
| Equity capital to assets | 8.0199% | 5,511 |
| Core capital (leverage) ratio | 8.7928% | 4,962 |
| Tier 1 risk-based capital ratio | 10.4112% | 5,582 |
| Total risk-based capital ratio | 11.5803% | 5,547 |
| Memoranda: | ||
| Average total assets | $611,761,000 | 1,189 |
| Average earning assets | $568,385,500 | 1,182 |
| Average equity | $51,030,500 | 1,513 |
| Average total loans | $398,006,500 | 1,248 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4675% | 4,851 |
| Cost of funding earning assets | 0.2003% | 5,008 |
| Net interest margin | 3.2672% | 4,236 |
| Noninterest income to average assets | 0.3242% | 4,420 |
| Noninterest expense to average assets | 1.9567% | 5,275 |
| Loan and lease loss provision to assets | 0.1501% | 1,665 |
| Net operating income to assets | 0.8401% | 3,111 |
| Return on assets (ROA) | 0.8586% | 3,144 |
| Pretax return on assets | 1.2766% | 2,371 |
| Return on Equity (ROE) | 9.3517% | 2,249 |
| Retained earnings to average equity (ytd only) | 9.0408% | 580 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3083% | 4,815 |
| Assets per employee ($millions) | 7.3294% | 789 |
| Cash dividends to net income (ytd only)* | 3.3237% | 4,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4063% | 2,052 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 66.4131% | 3,014 |
| Net loans and leases to deposits | 74.1549% | 3,496 |
| Net loans and leases to core deposits | 76.6017% | 3,696 |
| Total domestic deposits to total assets | 89.5600% | 838 |
| Equity capital to assets | 8.6996% | 5,103 |
| Core capital (leverage) ratio | 8.8662% | 4,892 |
| Tier 1 risk-based capital ratio | 10.4572% | 5,590 |
| Total risk-based capital ratio | 11.6139% | 5,571 |
| Memoranda: | ||
| Average total assets | $525,632,200 | 1,309 |
| Average earning assets | $487,725,600 | 1,297 |
| Average equity | $48,258,800 | 1,572 |
| Average total loans | $351,609,200 | 1,333 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4603% | 4,907 |
| Cost of funding earning assets | 0.1962% | 5,113 |
| Net interest margin | 3.2641% | 4,296 |
| Noninterest income to average assets | 0.3389% | 4,355 |
| Noninterest expense to average assets | 1.9374% | 5,318 |
| Loan and lease loss provision to assets | 0.1879% | 1,163 |
| Net operating income to assets | 0.8470% | 3,169 |
| Return on assets (ROA) | 0.8727% | 3,166 |
| Pretax return on assets | 1.2823% | 2,497 |
| Return on Equity (ROE) | 9.3663% | 2,325 |
| Retained earnings to average equity (ytd only) | 8.9473% | 833 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4915% | 4,892 |
| Assets per employee ($millions) | 7.1194% | 847 |
| Cash dividends to net income (ytd only)* | 4.4737% | 3,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4700% | 1,887 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 66.2570% | 3,081 |
| Net loans and leases to deposits | 74.0608% | 3,593 |
| Net loans and leases to core deposits | 74.3089% | 3,972 |
| Total domestic deposits to total assets | 89.4630% | 688 |
| Equity capital to assets | 9.0494% | 5,127 |
| Core capital (leverage) ratio | 9.1564% | 4,654 |
| Tier 1 risk-based capital ratio | 11.0640% | 5,345 |
| Total risk-based capital ratio | 12.2809% | 5,265 |
| Memoranda: | ||
| Average total assets | $512,284,250 | 1,343 |
| Average earning assets | $475,712,750 | 1,333 |
| Average equity | $47,730,250 | 1,590 |
| Average total loans | $342,003,250 | 1,363 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4586% | 4,966 |
| Cost of funding earning assets | 0.1961% | 5,186 |
| Net interest margin | 3.2624% | 4,340 |
| Noninterest income to average assets | 0.3050% | 4,605 |
| Noninterest expense to average assets | 1.9216% | 5,416 |
| Loan and lease loss provision to assets | 0.1931% | 1,120 |
| Net operating income to assets | 0.8332% | 3,162 |
| Return on assets (ROA) | 0.8583% | 3,181 |
| Pretax return on assets | 1.2520% | 2,595 |
| Return on Equity (ROE) | 9.1159% | 2,443 |
| Retained earnings to average equity (ytd only) | 9.1159% | 817 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7002% | 4,949 |
| Assets per employee ($millions) | 7.4796% | 706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4501% | 2,064 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 69.2001% | 2,604 |
| Net loans and leases to deposits | 77.8648% | 3,172 |
| Net loans and leases to core deposits | 78.7446% | 3,580 |
| Total domestic deposits to total assets | 88.8722% | 976 |
| Equity capital to assets | 9.5443% | 4,722 |
| Core capital (leverage) ratio | 9.6811% | 3,958 |
| Tier 1 risk-based capital ratio | 10.9272% | 5,460 |
| Total risk-based capital ratio | 12.1027% | 5,422 |
| Memoranda: | ||
| Average total assets | $500,315,330 | 1,384 |
| Average earning assets | $463,951,330 | 1,373 |
| Average equity | $47,104,330 | 1,609 |
| Average total loans | $333,126,330 | 1,402 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4807% | 4,934 |
| Cost of funding earning assets | 0.1956% | 5,243 |
| Net interest margin | 3.2850% | 4,284 |
| Noninterest income to average assets | 0.3225% | 4,423 |
| Noninterest expense to average assets | 2.0284% | 5,270 |
| Loan and lease loss provision to assets | 0.1685% | 1,225 |
| Net operating income to assets | 0.8047% | 3,220 |
| Return on assets (ROA) | 0.8554% | 3,091 |
| Pretax return on assets | 1.2447% | 2,528 |
| Return on Equity (ROE) | 9.1496% | 2,344 |
| Retained earnings to average equity (ytd only) | 9.1496% | 1,066 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2202% | 4,715 |
| Assets per employee ($millions) | 7.3798% | 744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5267% | 1,870 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 63.0457% | 3,378 |
| Net loans and leases to deposits | 70.9384% | 3,763 |
| Net loans and leases to core deposits | 71.1213% | 4,146 |
| Total domestic deposits to total assets | 88.8739% | 1,168 |
| Equity capital to assets | 9.3877% | 4,784 |
| Core capital (leverage) ratio | 9.5673% | 4,081 |
| Tier 1 risk-based capital ratio | 11.6950% | 5,109 |
| Total risk-based capital ratio | 12.9159% | 5,038 |
| Memoranda: | ||
| Average total assets | $496,165,000 | 1,390 |
| Average earning assets | $460,028,000 | 1,392 |
| Average equity | $46,384,500 | 1,623 |
| Average total loans | $321,118,500 | 1,444 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3149% | 5,321 |
| Cost of funding earning assets | 0.1977% | 5,304 |
| Net interest margin | 3.1172% | 4,860 |
| Noninterest income to average assets | 0.3286% | 4,551 |
| Noninterest expense to average assets | 1.8774% | 5,641 |
| Loan and lease loss provision to assets | 0.2355% | 827 |
| Net operating income to assets | 0.7501% | 3,571 |
| Return on assets (ROA) | 0.7608% | 3,612 |
| Pretax return on assets | 1.1388% | 2,892 |
| Return on Equity (ROE) | 8.0965% | 2,905 |
| Retained earnings to average equity (ytd only) | 8.0965% | 886 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0195% | 5,142 |
| Assets per employee ($millions) | 7.2133% | 820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4632% | 2,168 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 64.4758% | 3,203 |
| Net loans and leases to deposits | 72.6210% | 3,654 |
| Net loans and leases to core deposits | 72.8124% | 4,061 |
| Total domestic deposits to total assets | 88.7839% | 1,234 |
| Equity capital to assets | 9.3086% | 4,780 |
| Core capital (leverage) ratio | 9.3617% | 4,381 |
| Tier 1 risk-based capital ratio | 11.3105% | 5,372 |
| Total risk-based capital ratio | 12.4688% | 5,312 |
| Memoranda: | ||
| Average total assets | $465,321,000 | 1,446 |
| Average earning assets | $433,980,200 | 1,440 |
| Average equity | $43,722,400 | 1,683 |
| Average total loans | $278,711,000 | 1,571 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2808% | 5,443 |
| Cost of funding earning assets | 0.1966% | 5,406 |
| Net interest margin | 3.0842% | 5,000 |
| Noninterest income to average assets | 0.3352% | 4,549 |
| Noninterest expense to average assets | 1.8805% | 5,664 |
| Loan and lease loss provision to assets | 0.2205% | 855 |
| Net operating income to assets | 0.7287% | 3,770 |
| Return on assets (ROA) | 0.7427% | 3,808 |
| Pretax return on assets | 1.1363% | 3,064 |
| Return on Equity (ROE) | 7.8848% | 3,140 |
| Retained earnings to average equity (ytd only) | 7.8848% | 1,285 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4771% | 5,063 |
| Assets per employee ($millions) | 7.6716% | 628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4934% | 2,186 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 59.4925% | 3,937 |
| Net loans and leases to deposits | 66.7406% | 4,306 |
| Net loans and leases to core deposits | 66.9181% | 4,630 |
| Total domestic deposits to total assets | 89.1399% | 954 |
| Equity capital to assets | 9.2369% | 5,071 |
| Core capital (leverage) ratio | 9.3314% | 4,542 |
| Tier 1 risk-based capital ratio | 11.9872% | 5,093 |
| Total risk-based capital ratio | 13.1542% | 5,060 |
| Memoranda: | ||
| Average total assets | $459,025,750 | 1,468 |
| Average earning assets | $428,705,500 | 1,454 |
| Average equity | $43,238,250 | 1,709 |
| Average total loans | $268,151,000 | 1,639 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2395% | 5,557 |
| Cost of funding earning assets | 0.1984% | 5,450 |
| Net interest margin | 3.0411% | 5,110 |
| Noninterest income to average assets | 0.3331% | 4,574 |
| Noninterest expense to average assets | 1.9147% | 5,688 |
| Loan and lease loss provision to assets | 0.1987% | 989 |
| Net operating income to assets | 0.7114% | 3,835 |
| Return on assets (ROA) | 0.7114% | 3,960 |
| Pretax return on assets | 1.0618% | 3,333 |
| Return on Equity (ROE) | 7.5006% | 3,321 |
| Retained earnings to average equity (ytd only) | 7.5006% | 1,478 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3017% | 4,940 |
| Assets per employee ($millions) | 7.8219% | 577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4610% | 2,456 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 58.1747% | 4,076 |
| Net loans and leases to deposits | 64.5967% | 4,479 |
| Net loans and leases to core deposits | 64.7714% | 4,753 |
| Total domestic deposits to total assets | 90.0583% | 638 |
| Equity capital to assets | 9.2616% | 4,939 |
| Core capital (leverage) ratio | 9.4276% | 4,380 |
| Tier 1 risk-based capital ratio | 12.3736% | 4,895 |
| Total risk-based capital ratio | 13.5183% | 4,858 |
| Memoranda: | ||
| Average total assets | $450,931,000 | 1,509 |
| Average earning assets | $421,424,000 | 1,489 |
| Average equity | $42,770,000 | 1,730 |
| Average total loans | $260,237,330 | 1,685 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1933% | 5,660 |
| Cost of funding earning assets | 0.1910% | 5,590 |
| Net interest margin | 3.0023% | 5,208 |
| Noninterest income to average assets | 0.3305% | 4,549 |
| Noninterest expense to average assets | 1.9070% | 5,747 |
| Loan and lease loss provision to assets | 0.1548% | 1,312 |
| Net operating income to assets | 0.7144% | 3,730 |
| Return on assets (ROA) | 0.7144% | 3,855 |
| Pretax return on assets | 1.0730% | 3,201 |
| Return on Equity (ROE) | 7.4395% | 3,248 |
| Retained earnings to average equity (ytd only) | 7.4395% | 1,790 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8319% | 4,985 |
| Assets per employee ($millions) | 8.2539% | 487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4749% | 2,558 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 54.4984% | 4,372 |
| Net loans and leases to deposits | 60.5175% | 4,703 |
| Net loans and leases to core deposits | 60.6834% | 4,940 |
| Total domestic deposits to total assets | 90.0539% | 726 |
| Equity capital to assets | 9.2988% | 4,968 |
| Core capital (leverage) ratio | 9.8849% | 3,775 |
| Tier 1 risk-based capital ratio | 12.8886% | 4,670 |
| Total risk-based capital ratio | 14.0176% | 4,661 |
| Memoranda: | ||
| Average total assets | $441,739,500 | 1,546 |
| Average earning assets | $412,610,500 | 1,521 |
| Average equity | $42,422,000 | 1,752 |
| Average total loans | $251,821,000 | 1,729 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1614% | 5,879 |
| Cost of funding earning assets | 0.2142% | 5,631 |
| Net interest margin | 2.9471% | 5,556 |
| Noninterest income to average assets | 0.3118% | 4,891 |
| Noninterest expense to average assets | 1.9076% | 5,925 |
| Loan and lease loss provision to assets | 0.1910% | 1,343 |
| Net operating income to assets | 0.6502% | 4,141 |
| Return on assets (ROA) | 0.6710% | 4,139 |
| Pretax return on assets | 1.0075% | 3,465 |
| Return on Equity (ROE) | 6.8544% | 3,718 |
| Retained earnings to average equity (ytd only) | 6.8544% | 1,474 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0360% | 4,912 |
| Assets per employee ($millions) | 7.8011% | 575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4518% | 2,685 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 58.0091% | 4,043 |
| Net loans and leases to deposits | 65.0138% | 4,427 |
| Net loans and leases to core deposits | 65.2109% | 4,728 |
| Total domestic deposits to total assets | 89.2258% | 1,103 |
| Equity capital to assets | 9.9376% | 4,194 |
| Core capital (leverage) ratio | 9.9422% | 3,654 |
| Tier 1 risk-based capital ratio | 13.9725% | 4,111 |
| Total risk-based capital ratio | 15.1695% | 4,091 |
| Memoranda: | ||
| Average total assets | $404,750,800 | 1,631 |
| Average earning assets | $379,487,600 | 1,595 |
| Average equity | $39,624,400 | 1,790 |
| Average total loans | $207,637,000 | 1,987 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1112% | 6,016 |
| Cost of funding earning assets | 0.2162% | 5,706 |
| Net interest margin | 2.8950% | 5,711 |
| Noninterest income to average assets | 0.3092% | 4,968 |
| Noninterest expense to average assets | 1.9080% | 5,938 |
| Loan and lease loss provision to assets | 0.1914% | 1,262 |
| Net operating income to assets | 0.6143% | 4,378 |
| Return on assets (ROA) | 0.6420% | 4,345 |
| Pretax return on assets | 0.9748% | 3,695 |
| Return on Equity (ROE) | 6.5838% | 3,912 |
| Retained earnings to average equity (ytd only) | 6.5838% | 2,049 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9239% | 4,742 |
| Assets per employee ($millions) | 7.9737% | 528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5940% | 2,321 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 49.6970% | 5,040 |
| Net loans and leases to deposits | 55.3460% | 5,288 |
| Net loans and leases to core deposits | 55.5119% | 5,479 |
| Total domestic deposits to total assets | 89.7934% | 823 |
| Equity capital to assets | 9.5696% | 4,710 |
| Core capital (leverage) ratio | 10.0077% | 3,672 |
| Tier 1 risk-based capital ratio | 15.5058% | 3,317 |
| Total risk-based capital ratio | 16.7559% | 3,257 |
| Memoranda: | ||
| Average total assets | $400,624,000 | 1,658 |
| Average earning assets | $376,825,750 | 1,616 |
| Average equity | $39,064,750 | 1,817 |
| Average total loans | $197,554,250 | 2,072 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1136% | 6,048 |
| Cost of funding earning assets | 0.2211% | 5,738 |
| Net interest margin | 2.8925% | 5,747 |
| Noninterest income to average assets | 0.2817% | 5,171 |
| Noninterest expense to average assets | 1.9217% | 5,965 |
| Loan and lease loss provision to assets | 0.1907% | 1,278 |
| Net operating income to assets | 0.5888% | 4,413 |
| Return on assets (ROA) | 0.6311% | 4,299 |
| Pretax return on assets | 0.9545% | 3,663 |
| Return on Equity (ROE) | 6.4291% | 3,923 |
| Retained earnings to average equity (ytd only) | 6.4291% | 2,075 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9966% | 4,691 |
| Assets per employee ($millions) | 8.2398% | 449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5437% | 2,699 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 51.6338% | 4,783 |
| Net loans and leases to deposits | 57.7926% | 5,061 |
| Net loans and leases to core deposits | 58.0258% | 5,273 |
| Total domestic deposits to total assets | 89.3434% | 1,190 |
| Equity capital to assets | 9.9820% | 4,129 |
| Core capital (leverage) ratio | 10.1509% | 3,415 |
| Tier 1 risk-based capital ratio | 15.5334% | 3,340 |
| Total risk-based capital ratio | 16.7637% | 3,298 |
| Memoranda: | ||
| Average total assets | $393,296,330 | 1,684 |
| Average earning assets | $369,990,330 | 1,639 |
| Average equity | $38,605,670 | 1,829 |
| Average total loans | $192,264,000 | 2,110 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0444% | 6,194 |
| Cost of funding earning assets | 0.2225% | 5,825 |
| Net interest margin | 2.8218% | 5,896 |
| Noninterest income to average assets | 0.2948% | 5,014 |
| Noninterest expense to average assets | 1.9919% | 5,901 |
| Loan and lease loss provision to assets | 0.1581% | 1,539 |
| Net operating income to assets | 0.5335% | 4,534 |
| Return on assets (ROA) | 0.6089% | 4,235 |
| Pretax return on assets | 0.9230% | 3,612 |
| Return on Equity (ROE) | 6.2565% | 3,878 |
| Retained earnings to average equity (ytd only) | 6.2565% | 2,402 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3216% | 4,311 |
| Assets per employee ($millions) | 8.6601% | 377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6107% | 2,648 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 46.7421% | 5,251 |
| Net loans and leases to deposits | 52.0108% | 5,453 |
| Net loans and leases to core deposits | 52.2145% | 5,604 |
| Total domestic deposits to total assets | 89.8700% | 1,144 |
| Equity capital to assets | 9.9121% | 3,951 |
| Core capital (leverage) ratio | 9.9803% | 3,598 |
| Tier 1 risk-based capital ratio | 17.2716% | 2,563 |
| Total risk-based capital ratio | 18.5222% | 2,527 |
| Memoranda: | ||
| Average total assets | $392,189,500 | 1,699 |
| Average earning assets | $370,258,500 | 1,648 |
| Average equity | $38,168,500 | 1,845 |
| Average total loans | $184,686,500 | 2,187 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8056% | 6,496 |
| Cost of funding earning assets | 0.2296% | 6,105 |
| Net interest margin | 2.5760% | 6,290 |
| Noninterest income to average assets | 0.2085% | 5,835 |
| Noninterest expense to average assets | 1.7871% | 6,344 |
| Loan and lease loss provision to assets | 0.1271% | 2,720 |
| Net operating income to assets | 0.5344% | 4,577 |
| Return on assets (ROA) | 0.5540% | 4,612 |
| Pretax return on assets | 0.7852% | 4,205 |
| Return on Equity (ROE) | 5.4525% | 4,423 |
| Retained earnings to average equity (ytd only) | 5.4525% | 2,308 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8918% | 4,391 |
| Assets per employee ($millions) | 8.2224% | 427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5345% | 3,035 |
| Loan loss allowance to noncurrent loans | 1,070.8333% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.0669% | 6,154 |
| Noncurrent loans to loans | 0.1433% | 5,768 |
| Net loans and leases to total assets | 45.9639% | 5,488 |
| Net loans and leases to deposits | 50.9404% | 5,697 |
| Net loans and leases to core deposits | 51.1363% | 5,866 |
| Total domestic deposits to total assets | 90.2307% | 945 |
| Equity capital to assets | 9.5544% | 4,340 |
| Core capital (leverage) ratio | 9.9223% | 3,676 |
| Tier 1 risk-based capital ratio | 16.9910% | 2,612 |
| Total risk-based capital ratio | 18.2217% | 2,585 |
| Memoranda: | ||
| Average total assets | $371,266,600 | 1,757 |
| Average earning assets | $355,003,400 | 1,692 |
| Average equity | $37,725,600 | 1,841 |
| Average total loans | $157,148,600 | 2,462 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7395% | 6,606 |
| Cost of funding earning assets | 0.2312% | 6,215 |
| Net interest margin | 2.5083% | 6,420 |
| Noninterest income to average assets | 0.2025% | 5,968 |
| Noninterest expense to average assets | 1.7441% | 6,418 |
| Loan and lease loss provision to assets | 0.1222% | 2,765 |
| Net operating income to assets | 0.5461% | 4,598 |
| Return on assets (ROA) | 0.5736% | 4,595 |
| Pretax return on assets | 0.7808% | 4,367 |
| Return on Equity (ROE) | 5.5552% | 4,438 |
| Retained earnings to average equity (ytd only) | 5.5552% | 2,689 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8345% | 4,332 |
| Assets per employee ($millions) | 8.8570% | 327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5770% | 3,112 |
| Loan loss allowance to noncurrent loans | 1,007.4906% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.0701% | 6,230 |
| Noncurrent loans to loans | 0.1565% | 5,845 |
| Net loans and leases to total assets | 44.0810% | 5,725 |
| Net loans and leases to deposits | 48.9282% | 5,911 |
| Net loans and leases to core deposits | 49.0984% | 6,065 |
| Total domestic deposits to total assets | 90.0932% | 942 |
| Equity capital to assets | 9.7272% | 4,270 |
| Core capital (leverage) ratio | 10.1216% | 3,494 |
| Tier 1 risk-based capital ratio | 17.9897% | 2,329 |
| Total risk-based capital ratio | 19.2398% | 2,291 |
| Memoranda: | ||
| Average total assets | $365,414,500 | 1,794 |
| Average earning assets | $350,660,250 | 1,723 |
| Average equity | $37,729,750 | 1,852 |
| Average total loans | $150,377,000 | 2,563 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6699% | 6,674 |
| Cost of funding earning assets | 0.2271% | 6,328 |
| Net interest margin | 2.4428% | 6,509 |
| Noninterest income to average assets | 0.1810% | 6,125 |
| Noninterest expense to average assets | 1.7548% | 6,445 |
| Loan and lease loss provision to assets | 0.1166% | 2,865 |
| Net operating income to assets | 0.5277% | 4,676 |
| Return on assets (ROA) | 0.5729% | 4,604 |
| Pretax return on assets | 0.7256% | 4,593 |
| Return on Equity (ROE) | 5.4376% | 4,497 |
| Retained earnings to average equity (ytd only) | 5.4376% | 2,780 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0929% | 3,993 |
| Assets per employee ($millions) | 9.2302% | 276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6672% | 2,909 |
| Loan loss allowance to noncurrent loans | 957.0896% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.0726% | 6,284 |
| Noncurrent loans to loans | 0.1742% | 5,880 |
| Net loans and leases to total assets | 40.9757% | 5,971 |
| Net loans and leases to deposits | 45.6921% | 6,125 |
| Net loans and leases to core deposits | 45.8565% | 6,238 |
| Total domestic deposits to total assets | 89.6779% | 1,218 |
| Equity capital to assets | 10.1528% | 3,725 |
| Core capital (leverage) ratio | 10.2945% | 3,106 |
| Tier 1 risk-based capital ratio | 19.7423% | 1,780 |
| Total risk-based capital ratio | 20.9933% | 1,760 |
| Memoranda: | ||
| Average total assets | $360,269,670 | 1,816 |
| Average earning assets | $347,877,670 | 1,738 |
| Average equity | $37,957,670 | 1,849 |
| Average total loans | $143,645,330 | 2,662 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6801% | 6,741 |
| Cost of funding earning assets | 0.2234% | 6,455 |
| Net interest margin | 2.4567% | 6,549 |
| Noninterest income to average assets | 0.1641% | 6,277 |
| Noninterest expense to average assets | 1.8786% | 6,311 |
| Loan and lease loss provision to assets | 0.1237% | 2,684 |
| Net operating income to assets | 0.5351% | 4,519 |
| Return on assets (ROA) | 0.6150% | 4,303 |
| Pretax return on assets | 0.6150% | 4,895 |
| Return on Equity (ROE) | 5.7286% | 4,187 |
| Retained earnings to average equity (ytd only) | 5.7286% | 2,824 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0363% | 3,256 |
| Assets per employee ($millions) | 8.7489% | 351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7565% | 2,777 |
| Loan loss allowance to noncurrent loans | 916.3569% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.0750% | 6,373 |
| Noncurrent loans to loans | 0.1917% | 5,923 |
| Net loans and leases to total assets | 38.4348% | 6,123 |
| Net loans and leases to deposits | 43.1699% | 6,263 |
| Net loans and leases to core deposits | 43.6058% | 6,331 |
| Total domestic deposits to total assets | 89.0313% | 1,665 |
| Equity capital to assets | 10.7030% | 3,317 |
| Core capital (leverage) ratio | 10.6287% | 2,625 |
| Tier 1 risk-based capital ratio | 21.5247% | 1,420 |
| Total risk-based capital ratio | 22.7824% | 1,390 |
| Memoranda: | ||
| Average total assets | $355,800,000 | 1,859 |
| Average earning assets | $343,717,000 | 1,762 |
| Average equity | $38,194,000 | 1,858 |
| Average total loans | $138,542,500 | 2,754 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9525% | 6,793 |
| Cost of funding earning assets | 0.2436% | 6,698 |
| Net interest margin | 2.7090% | 6,508 |
| Noninterest income to average assets | 0.0850% | 6,566 |
| Noninterest expense to average assets | 1.9803% | 6,365 |
| Loan and lease loss provision to assets | 0.2226% | 2,904 |
| Net operating income to assets | 0.5056% | 4,668 |
| Return on assets (ROA) | 0.6106% | 4,450 |
| Pretax return on assets | 0.6106% | 4,966 |
| Return on Equity (ROE) | 5.0239% | 4,666 |
| Retained earnings to average equity (ytd only) | 5.0239% | 2,686 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1142% | 3,222 |
| Assets per employee ($millions) | 9.2867% | 300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7221% | 2,849 |
| Loan loss allowance to noncurrent loans | 872.2222% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.0765% | 6,419 |
| Noncurrent loans to loans | 0.1974% | 5,975 |
| Net loans and leases to total assets | 38.0843% | 6,301 |
| Net loans and leases to deposits | 42.7869% | 6,433 |
| Net loans and leases to core deposits | 43.0883% | 6,499 |
| Total domestic deposits to total assets | 89.0092% | 1,558 |
| Equity capital to assets | 10.7669% | 3,209 |
| Core capital (leverage) ratio | 10.6821% | 2,564 |
| Tier 1 risk-based capital ratio | 21.7658% | 1,310 |
| Total risk-based capital ratio | 23.0233% | 1,283 |
| Memoranda: | ||
| Average total assets | $301,013,400 | 2,132 |
| Average earning assets | $291,512,400 | 2,032 |
| Average equity | $36,585,000 | 1,897 |
| Average total loans | $113,260,400 | 3,220 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0111% | 6,898 |
| Cost of funding earning assets | 0.2440% | 6,833 |
| Net interest margin | 2.7671% | 6,556 |
| Noninterest income to average assets | 0.0759% | 6,709 |
| Noninterest expense to average assets | 1.9835% | 6,375 |
| Loan and lease loss provision to assets | 0.2824% | 2,309 |
| Net operating income to assets | 0.4920% | 4,874 |
| Return on assets (ROA) | 0.6041% | 4,640 |
| Pretax return on assets | 0.6041% | 5,154 |
| Return on Equity (ROE) | 4.8022% | 4,915 |
| Retained earnings to average equity (ytd only) | 4.8022% | 3,512 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9201% | 3,345 |
| Assets per employee ($millions) | 9.0324% | 324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8569% | 2,626 |
| Loan loss allowance to noncurrent loans | 834.5455% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.0823% | 6,528 |
| Noncurrent loans to loans | 0.2225% | 6,055 |
| Net loans and leases to total assets | 36.2945% | 6,534 |
| Net loans and leases to deposits | 41.0090% | 6,643 |
| Net loans and leases to core deposits | 41.2723% | 6,692 |
| Total domestic deposits to total assets | 88.5039% | 1,721 |
| Equity capital to assets | 11.2403% | 2,993 |
| Core capital (leverage) ratio | 11.6168% | 1,898 |
| Tier 1 risk-based capital ratio | 23.5771% | 1,081 |
| Total risk-based capital ratio | 24.8365% | 1,057 |
| Memoranda: | ||
| Average total assets | $288,042,750 | 2,245 |
| Average earning assets | $279,181,250 | 2,126 |
| Average equity | $36,232,250 | 1,931 |
| Average total loans | $107,387,250 | 3,382 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0774% | 6,942 |
| Cost of funding earning assets | 0.2482% | 6,919 |
| Net interest margin | 2.8292% | 6,532 |
| Noninterest income to average assets | 0.0712% | 6,792 |
| Noninterest expense to average assets | 2.0634% | 6,310 |
| Loan and lease loss provision to assets | 0.3007% | 2,179 |
| Net operating income to assets | 0.4496% | 5,038 |
| Return on assets (ROA) | 0.5824% | 4,709 |
| Pretax return on assets | 0.5824% | 5,202 |
| Return on Equity (ROE) | 4.4372% | 5,067 |
| Retained earnings to average equity (ytd only) | 4.4372% | 3,648 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3316% | 3,185 |
| Assets per employee ($millions) | 8.7868% | 349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7747% | 2,944 |
| Loan loss allowance to noncurrent loans | 750.8961% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.0934% | 6,568 |
| Noncurrent loans to loans | 0.2363% | 6,099 |
| Net loans and leases to total assets | 38.8133% | 6,416 |
| Net loans and leases to deposits | 44.3531% | 6,537 |
| Net loans and leases to core deposits | 44.6309% | 6,635 |
| Total domestic deposits to total assets | 87.5097% | 2,465 |
| Equity capital to assets | 12.2239% | 1,991 |
| Core capital (leverage) ratio | 12.6920% | 1,267 |
| Tier 1 risk-based capital ratio | 25.6930% | 837 |
| Total risk-based capital ratio | 26.9487% | 822 |
| Memoranda: | ||
| Average total assets | $272,657,330 | 2,353 |
| Average earning assets | $264,314,000 | 2,229 |
| Average equity | $35,788,000 | 1,937 |
| Average total loans | $101,986,000 | 3,512 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1835% | 6,955 |
| Cost of funding earning assets | 0.2558% | 6,995 |
| Net interest margin | 2.9278% | 6,440 |
| Noninterest income to average assets | 0.0832% | 6,810 |
| Noninterest expense to average assets | 2.1494% | 6,153 |
| Loan and lease loss provision to assets | 0.3082% | 2,041 |
| Net operating income to assets | 0.4653% | 4,975 |
| Return on assets (ROA) | 0.4653% | 5,173 |
| Pretax return on assets | 0.4653% | 5,535 |
| Return on Equity (ROE) | 3.4103% | 5,545 |
| Retained earnings to average equity (ytd only) | 3.4103% | 4,523 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5372% | 3,174 |
| Assets per employee ($millions) | 7.7384% | 546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9118% | 2,642 |
| Loan loss allowance to noncurrent loans | 663.7324% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.1079% | 6,607 |
| Noncurrent loans to loans | 0.2880% | 6,100 |
| Net loans and leases to total assets | 36.7582% | 6,576 |
| Net loans and leases to deposits | 42.6688% | 6,622 |
| Net loans and leases to core deposits | 42.9290% | 6,705 |
| Total domestic deposits to total assets | 86.1478% | 3,446 |
| Equity capital to assets | 13.6014% | 1,200 |
| Core capital (leverage) ratio | 13.4402% | 973 |
| Tier 1 risk-based capital ratio | 29.2893% | 560 |
| Total risk-based capital ratio | 30.5383% | 552 |
| Memoranda: | ||
| Average total assets | $259,610,500 | 2,483 |
| Average earning assets | $251,796,500 | 2,350 |
| Average equity | $35,422,500 | 1,957 |
| Average total loans | $93,954,000 | 3,740 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9702% | 7,180 |
| Cost of funding earning assets | 0.3123% | 7,088 |
| Net interest margin | 2.6579% | 6,963 |
| Noninterest income to average assets | 0.0698% | 6,755 |
| Noninterest expense to average assets | 2.1240% | 6,442 |
| Loan and lease loss provision to assets | 0.2324% | 3,882 |
| Net operating income to assets | 0.2996% | 5,255 |
| Return on assets (ROA) | 0.3193% | 5,341 |
| Pretax return on assets | 0.3193% | 5,513 |
| Return on Equity (ROE) | 2.1840% | 5,592 |
| Retained earnings to average equity (ytd only) | 2.1840% | 4,658 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9710% | 2,307 |
| Assets per employee ($millions) | 9.4857% | 279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8867% | 2,609 |
| Loan loss allowance to noncurrent loans | 690.5738% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.0953% | 6,717 |
| Noncurrent loans to loans | 0.2732% | 6,179 |
| Net loans and leases to total assets | 34.2131% | 6,858 |
| Net loans and leases to deposits | 39.7825% | 6,894 |
| Net loans and leases to core deposits | 40.0319% | 6,945 |
| Total domestic deposits to total assets | 86.0004% | 3,323 |
| Equity capital to assets | 13.6888% | 1,180 |
| Core capital (leverage) ratio | 12.8944% | 1,181 |
| Tier 1 risk-based capital ratio | 31.3918% | 451 |
| Total risk-based capital ratio | 32.6544% | 444 |
| Memoranda: | ||
| Average total assets | $233,664,200 | 2,690 |
| Average earning assets | $227,360,000 | 2,534 |
| Average equity | $34,158,200 | 1,962 |
| Average total loans | $70,964,200 | 4,455 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9067% | 7,281 |
| Cost of funding earning assets | 0.3218% | 7,180 |
| Net interest margin | 2.5849% | 7,082 |
| Noninterest income to average assets | 0.0696% | 6,878 |
| Noninterest expense to average assets | 2.1170% | 6,474 |
| Loan and lease loss provision to assets | 0.1655% | 4,408 |
| Net operating income to assets | 0.3040% | 5,381 |
| Return on assets (ROA) | 0.3052% | 5,552 |
| Pretax return on assets | 0.3052% | 5,692 |
| Return on Equity (ROE) | 2.0510% | 5,758 |
| Retained earnings to average equity (ytd only) | 2.0510% | 5,110 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8490% | 2,002 |
| Assets per employee ($millions) | 9.7197% | 274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9177% | 2,568 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 27.7726% | 7,154 |
| Net loans and leases to deposits | 32.2447% | 7,171 |
| Net loans and leases to core deposits | 32.3551% | 7,194 |
| Total domestic deposits to total assets | 86.1308% | 3,148 |
| Equity capital to assets | 13.7046% | 1,284 |
| Core capital (leverage) ratio | 14.0951% | 881 |
| Tier 1 risk-based capital ratio | 36.1106% | 317 |
| Total risk-based capital ratio | 37.3643% | 313 |
| Memoranda: | ||
| Average total assets | $228,051,500 | 2,751 |
| Average earning assets | $222,055,500 | 2,602 |
| Average equity | $33,933,000 | 1,973 |
| Average total loans | $66,377,750 | 4,658 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9400% | 7,354 |
| Cost of funding earning assets | 0.3481% | 7,229 |
| Net interest margin | 2.5920% | 7,128 |
| Noninterest income to average assets | 0.0619% | 6,996 |
| Noninterest expense to average assets | 2.2023% | 6,379 |
| Loan and lease loss provision to assets | 0.1690% | 4,241 |
| Net operating income to assets | 0.2142% | 5,691 |
| Return on assets (ROA) | 0.2161% | 5,795 |
| Pretax return on assets | 0.2161% | 5,899 |
| Return on Equity (ROE) | 1.4073% | 5,975 |
| Retained earnings to average equity (ytd only) | 1.4073% | 5,285 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1786% | 1,684 |
| Assets per employee ($millions) | 9.1441% | 315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9087% | 2,642 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 31.0283% | 7,144 |
| Net loans and leases to deposits | 36.8612% | 7,156 |
| Net loans and leases to core deposits | 37.0155% | 7,196 |
| Total domestic deposits to total assets | 84.1760% | 4,273 |
| Equity capital to assets | 15.7110% | 658 |
| Core capital (leverage) ratio | 15.7002% | 540 |
| Tier 1 risk-based capital ratio | 38.2621% | 271 |
| Total risk-based capital ratio | 39.5148% | 263 |
| Memoranda: | ||
| Average total assets | $216,591,670 | 2,893 |
| Average earning assets | $210,882,330 | 2,752 |
| Average equity | $33,255,670 | 1,992 |
| Average total loans | $63,734,000 | 4,808 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8948% | 7,419 |
| Cost of funding earning assets | 0.3583% | 7,306 |
| Net interest margin | 2.5365% | 7,169 |
| Noninterest income to average assets | 0.0558% | 7,114 |
| Noninterest expense to average assets | 2.1974% | 6,430 |
| Loan and lease loss provision to assets | 0.1432% | 4,218 |
| Net operating income to assets | 0.1896% | 5,816 |
| Return on assets (ROA) | 0.1933% | 5,864 |
| Pretax return on assets | 0.1933% | 5,955 |
| Return on Equity (ROE) | 1.2744% | 6,057 |
| Retained earnings to average equity (ytd only) | 1.2744% | 5,318 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8479% | 1,624 |
| Assets per employee ($millions) | 9.4027% | 294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8865% | 2,736 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 28.0935% | 7,293 |
| Net loans and leases to deposits | 32.8940% | 7,295 |
| Net loans and leases to core deposits | 33.0258% | 7,327 |
| Total domestic deposits to total assets | 85.4062% | 3,833 |
| Equity capital to assets | 14.4857% | 884 |
| Core capital (leverage) ratio | 15.8829% | 521 |
| Tier 1 risk-based capital ratio | 36.2614% | 321 |
| Total risk-based capital ratio | 37.5127% | 312 |
| Memoranda: | ||
| Average total assets | $215,158,500 | 2,935 |
| Average earning assets | $209,895,500 | 2,789 |
| Average equity | $32,644,000 | 2,006 |
| Average total loans | $60,891,500 | 4,968 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1052% | 7,479 |
| Cost of funding earning assets | 0.5627% | 7,201 |
| Net interest margin | 2.5425% | 7,247 |
| Noninterest income to average assets | 0.0614% | 7,054 |
| Noninterest expense to average assets | 2.3852% | 6,123 |
| Loan and lease loss provision to assets | 0.3416% | 4,098 |
| Net operating income to assets | -0.2029% | 6,121 |
| Return on assets (ROA) | -0.0428% | 6,004 |
| Pretax return on assets | -0.0423% | 5,947 |
| Return on Equity (ROE) | -0.2673% | 5,997 |
| Retained earnings to average equity (ytd only) | -0.2673% | 5,663 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4841% | 1,037 |
| Assets per employee ($millions) | 8.5272% | 392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9977% | 2,314 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 27.3756% | 7,415 |
| Net loans and leases to deposits | 32.6051% | 7,420 |
| Net loans and leases to core deposits | 32.8000% | 7,439 |
| Total domestic deposits to total assets | 83.9611% | 4,380 |
| Equity capital to assets | 15.9289% | 592 |
| Core capital (leverage) ratio | 15.5593% | 569 |
| Tier 1 risk-based capital ratio | 37.7300% | 282 |
| Total risk-based capital ratio | 38.9818% | 273 |
| Memoranda: | ||
| Average total assets | $177,389,200 | 3,416 |
| Average earning assets | $171,839,800 | 3,248 |
| Average equity | $28,431,400 | 2,291 |
| Average total loans | $46,543,200 | 5,611 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1359% | 7,607 |
| Cost of funding earning assets | 0.5911% | 7,307 |
| Net interest margin | 2.5448% | 7,348 |
| Noninterest income to average assets | 0.0578% | 7,236 |
| Noninterest expense to average assets | 2.3958% | 6,050 |
| Loan and lease loss provision to assets | 0.4291% | 3,335 |
| Net operating income to assets | -0.3111% | 6,438 |
| Return on assets (ROA) | -0.2556% | 6,436 |
| Pretax return on assets | -0.2548% | 6,369 |
| Return on Equity (ROE) | -1.5918% | 6,352 |
| Retained earnings to average equity (ytd only) | -1.5918% | 6,113 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2751% | 936 |
| Assets per employee ($millions) | 9.2987% | 315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9747% | 2,292 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 26.3281% | 7,536 |
| Net loans and leases to deposits | 31.6689% | 7,544 |
| Net loans and leases to core deposits | 31.8600% | 7,558 |
| Total domestic deposits to total assets | 83.1355% | 4,533 |
| Equity capital to assets | 16.6831% | 558 |
| Core capital (leverage) ratio | 16.4655% | 496 |
| Tier 1 risk-based capital ratio | 41.0202% | 231 |
| Total risk-based capital ratio | 42.2730% | 226 |
| Memoranda: | ||
| Average total assets | $170,573,250 | 3,568 |
| Average earning assets | $164,670,500 | 3,410 |
| Average equity | $27,389,500 | 2,386 |
| Average total loans | $43,887,250 | 5,835 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1749% | 7,681 |
| Cost of funding earning assets | 0.6125% | 7,379 |
| Net interest margin | 2.5625% | 7,378 |
| Noninterest income to average assets | 0.0578% | 7,297 |
| Noninterest expense to average assets | 2.5772% | 5,420 |
| Loan and lease loss provision to assets | 0.5011% | 2,797 |
| Net operating income to assets | -0.5627% | 6,714 |
| Return on assets (ROA) | -0.5627% | 6,743 |
| Pretax return on assets | -0.5614% | 6,635 |
| Return on Equity (ROE) | -3.5636% | 6,575 |
| Retained earnings to average equity (ytd only) | -3.5636% | 6,380 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.3952% | 726 |
| Assets per employee ($millions) | 8.7976% | 365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9349% | 2,333 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 25.6503% | 7,616 |
| Net loans and leases to deposits | 31.4257% | 7,620 |
| Net loans and leases to core deposits | 31.6930% | 7,631 |
| Total domestic deposits to total assets | 81.6222% | 5,142 |
| Equity capital to assets | 18.1992% | 398 |
| Core capital (leverage) ratio | 19.5921% | 267 |
| Tier 1 risk-based capital ratio | 45.9600% | 176 |
| Total risk-based capital ratio | 47.2116% | 176 |
| Memoranda: | ||
| Average total assets | $159,240,330 | 3,803 |
| Average earning assets | $152,822,000 | 3,659 |
| Average equity | $25,143,000 | 2,574 |
| Average total loans | $40,201,330 | 6,040 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2157% | 7,772 |
| Cost of funding earning assets | 0.6637% | 7,408 |
| Net interest margin | 2.5521% | 7,429 |
| Noninterest income to average assets | 0.0546% | 7,440 |
| Noninterest expense to average assets | 2.6542% | 5,129 |
| Loan and lease loss provision to assets | 0.6554% | 1,935 |
| Net operating income to assets | -0.8083% | 7,008 |
| Return on assets (ROA) | -0.8083% | 7,035 |
| Pretax return on assets | -0.8083% | 6,951 |
| Return on Equity (ROE) | -5.6643% | 6,917 |
| Retained earnings to average equity (ytd only) | -5.6643% | 6,633 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.1135% | 675 |
| Assets per employee ($millions) | 7.6631% | 598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8652% | 2,539 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 26.6402% | 7,693 |
| Net loans and leases to deposits | 30.8712% | 7,716 |
| Net loans and leases to core deposits | 31.2418% | 7,728 |
| Total domestic deposits to total assets | 86.2946% | 2,987 |
| Equity capital to assets | 13.5971% | 1,285 |
| Core capital (leverage) ratio | 13.6999% | 1,026 |
| Tier 1 risk-based capital ratio | 33.3776% | 396 |
| Total risk-based capital ratio | 34.6180% | 390 |
| Memoranda: | ||
| Average total assets | $146,485,500 | 4,080 |
| Average earning assets | $140,434,500 | 3,955 |
| Average equity | $20,903,000 | 3,075 |
| Average total loans | $36,140,000 | 6,308 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4432% | 7,952 |
| Cost of funding earning assets | 0.5547% | 7,800 |
| Net interest margin | 0.8884% | 7,939 |
| Noninterest income to average assets | 0.0379% | 7,559 |
| Noninterest expense to average assets | 3.0443% | 3,967 |
| Loan and lease loss provision to assets | 0.5811% | 3,475 |
| Net operating income to assets | -2.7343% | 7,329 |
| Return on assets (ROA) | -2.7343% | 7,340 |
| Pretax return on assets | -2.7332% | 7,221 |
| Return on Equity (ROE) | -11.5396% | 6,739 |
| Retained earnings to average equity (ytd only) | -11.5396% | 6,647 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 341.1908% | 55 |
| Assets per employee ($millions) | 8.7319% | 381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7474% | 2,721 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 21.5725% | 7,847 |
| Net loans and leases to deposits | 25.4280% | 7,868 |
| Net loans and leases to core deposits | 26.2775% | 7,889 |
| Total domestic deposits to total assets | 84.8379% | 3,625 |
| Equity capital to assets | 15.0075% | 909 |
| Core capital (leverage) ratio | 15.1611% | 749 |
| Tier 1 risk-based capital ratio | 37.1641% | 299 |
| Total risk-based capital ratio | 38.1086% | 298 |
| Memoranda: | ||
| Average total assets | $92,237,000 | 5,324 |
| Average earning assets | $88,694,250 | 5,163 |
| Average equity | $21,855,250 | 2,962 |
| Average total loans | $16,455,250 | 7,385 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0630% | 8,060 |
| Cost of funding earning assets | 0.4935% | 7,943 |
| Net interest margin | 0.5694% | 8,049 |
| Noninterest income to average assets | 0.0331% | 7,717 |
| Noninterest expense to average assets | 4.1353% | 1,096 |
| Loan and lease loss provision to assets | 0.6282% | 2,879 |
| Net operating income to assets | -4.1824% | 7,767 |
| Return on assets (ROA) | -4.1824% | 7,772 |
| Pretax return on assets | -4.1807% | 7,714 |
| Return on Equity (ROE) | -14.4277% | 7,160 |
| Retained earnings to average equity (ytd only) | -14.4277% | 7,099 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 709.5808% | 16 |
| Assets per employee ($millions) | 9.0292% | 364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8958% | 2,045 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 15.8708% | 7,985 |
| Net loans and leases to deposits | 19.4770% | 7,997 |
| Net loans and leases to core deposits | 20.3752% | 8,002 |
| Total domestic deposits to total assets | 81.4848% | 4,882 |
| Equity capital to assets | 18.3474% | 481 |
| Core capital (leverage) ratio | 22.3871% | 224 |
| Tier 1 risk-based capital ratio | 48.7607% | 177 |
| Total risk-based capital ratio | 49.5756% | 180 |
| Memoranda: | ||
| Average total assets | $76,412,670 | 5,865 |
| Average earning assets | $73,754,330 | 5,729 |
| Average equity | $22,151,330 | 2,957 |
| Average total loans | $11,715,330 | 7,687 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7433% | 8,165 |
| Cost of funding earning assets | 0.3754% | 8,079 |
| Net interest margin | 0.3679% | 8,148 |
| Noninterest income to average assets | 0.0358% | 7,809 |
| Noninterest expense to average assets | 5.8896% | 330 |
| Loan and lease loss provision to assets | 0.8046% | 2,078 |
| Net operating income to assets | -6.3079% | 8,014 |
| Return on assets (ROA) | -6.3079% | 8,004 |
| Pretax return on assets | -6.3079% | 7,965 |
| Return on Equity (ROE) | -15.7086% | 7,365 |
| Retained earnings to average equity (ytd only) | -15.7086% | 7,279 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,525.0000% | 14 |
| Assets per employee ($millions) | 4.8233% | 2,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3702% | 1,025 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 12.8100% | 8,092 |
| Net loans and leases to deposits | 18.5075% | 8,091 |
| Net loans and leases to core deposits | 19.8119% | 8,090 |
| Total domestic deposits to total assets | 69.2149% | 7,534 |
| Equity capital to assets | 30.5501% | 130 |
| Core capital (leverage) ratio | 40.5277% | 89 |
| Tier 1 risk-based capital ratio | 89.7766% | 74 |
| Total risk-based capital ratio | 90.5402% | 74 |
| Memoranda: | ||
| Average total assets | $55,929,500 | 6,596 |
| Average earning assets | $53,278,000 | 6,502 |
| Average equity | $22,459,000 | 2,922 |
| Average total loans | $8,078,500 | 7,944 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2850% | 8,237 |
| Cost of funding earning assets | 0.1583% | 8,191 |
| Net interest margin | 0.1267% | 8,230 |
| Noninterest income to average assets | 0.0101% | 8,018 |
| Noninterest expense to average assets | 9.1422% | 133 |
| Loan and lease loss provision to assets | 0.9112% | 1,434 |
| Net operating income to assets | -9.9218% | 8,172 |
| Return on assets (ROA) | -9.9218% | 8,164 |
| Pretax return on assets | -9.9218% | 8,151 |
| Return on Equity (ROE) | -17.1817% | 7,684 |
| Retained earnings to average equity (ytd only) | -17.1817% | 7,544 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 6,946.1538% | 3 |
| Assets per employee ($millions) | 3.2924% | 5,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3505% | 3,797 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 16.6392% | 8,113 |
| Net loans and leases to deposits | 39.5619% | 7,852 |
| Net loans and leases to core deposits | 44.2515% | 7,897 |
| Total domestic deposits to total assets | 42.0588% | 8,134 |
| Equity capital to assets | 57.7463% | 54 |
| Core capital (leverage) ratio | 120.2055% | 2 |
| Tier 1 risk-based capital ratio | 172.2017% | 47 |
| Total risk-based capital ratio | 172.8810% | 47 |
| Memoranda: | ||
| Average total assets | $39,509,000 | 7,276 |
| Average earning assets | $37,895,000 | 7,176 |
| Average equity | $22,815,000 | 2,890 |
| Average total loans | $6,664,000 | 8,052 |