Home > 1st Capital Bank > Performance and Condition Ratios
1st Capital Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3939% | 3,285 |
| Cost of funding earning assets | 0.7705% | 3,809 |
| Net interest margin | 3.6234% | 1,925 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 2.5058% | 2,281 |
| Loan and lease loss provision to assets | 0.4500% | 209 |
| Net operating income to assets | 0.4328% | 3,803 |
| Return on assets (ROA) | 0.4218% | 3,822 |
| Pretax return on assets | 0.5591% | 3,707 |
| Return on Equity (ROE) | 5.6600% | 3,596 |
| Retained earnings to average equity (ytd only) | 4.5483% | 2,772 |
| Net charge-offs to loans | 0.8026% | 125 |
| Credit loss provision to net charge-offs | 92.4884% | 1,930 |
| Earnings coverage of net charge-offs (x) | 2.0959% | 2,722 |
| Efficiency ratio | 70.9599% | 1,765 |
| Assets per employee ($millions) | 9.9842% | 709 |
| Cash dividends to net income (ytd only)* | 19.6367% | 2,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1467% | 2,567 |
| Loan loss allowance to noncurrent loans | 398.8235% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.1806% | 2,329 |
| Noncurrent loans to loans | 0.2875% | 2,147 |
| Net loans and leases to total assets | 62.0900% | 2,663 |
| Net loans and leases to deposits | 68.8599% | 2,964 |
| Net loans and leases to core deposits | 74.4006% | 3,057 |
| Total domestic deposits to total assets | 90.1700% | 716 |
| Equity capital to assets | 7.7172% | 3,593 |
| Core capital (leverage) ratio | 10.1303% | 2,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $965,874,400 | 1,015 |
| Average earning assets | $905,833,200 | 992 |
| Average equity | $71,982,600 | 1,218 |
| Average total loans | $588,802,200 | 1,104 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2856% | 3,321 |
| Cost of funding earning assets | 0.7003% | 3,763 |
| Net interest margin | 3.5853% | 2,043 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 2.4828% | 2,292 |
| Loan and lease loss provision to assets | 0.4000% | 207 |
| Net operating income to assets | 0.4674% | 3,832 |
| Return on assets (ROA) | 0.4527% | 3,861 |
| Pretax return on assets | 0.5955% | 3,738 |
| Return on Equity (ROE) | 6.1300% | 3,619 |
| Retained earnings to average equity (ytd only) | 5.5657% | 2,758 |
| Net charge-offs to loans | 0.7947% | 113 |
| Credit loss provision to net charge-offs | 83.9399% | 1,735 |
| Earnings coverage of net charge-offs (x) | 2.1170% | 2,498 |
| Efficiency ratio | 70.9282% | 1,688 |
| Assets per employee ($millions) | 9.7378% | 733 |
| Cash dividends to net income (ytd only)* | 9.2025% | 2,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1513% | 2,611 |
| Loan loss allowance to noncurrent loans | 313.4572% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 0.2244% | 2,142 |
| Noncurrent loans to loans | 0.3673% | 1,918 |
| Net loans and leases to total assets | 60.3900% | 2,799 |
| Net loans and leases to deposits | 65.5450% | 3,167 |
| Net loans and leases to core deposits | 66.3536% | 3,407 |
| Total domestic deposits to total assets | 92.1400% | 427 |
| Equity capital to assets | 6.9537% | 3,634 |
| Core capital (leverage) ratio | 10.3223% | 2,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $960,234,750 | 1,021 |
| Average earning assets | $900,948,250 | 1,001 |
| Average equity | $70,908,500 | 1,230 |
| Average total loans | $580,798,250 | 1,110 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1804% | 3,339 |
| Cost of funding earning assets | 0.6462% | 3,637 |
| Net interest margin | 3.5341% | 2,193 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 2.5429% | 2,088 |
| Loan and lease loss provision to assets | 0.3700% | 233 |
| Net operating income to assets | 0.4275% | 3,950 |
| Return on assets (ROA) | 0.4053% | 4,006 |
| Pretax return on assets | 0.5258% | 3,919 |
| Return on Equity (ROE) | 5.3800% | 3,826 |
| Retained earnings to average equity (ytd only) | 5.3800% | 2,831 |
| Net charge-offs to loans | 0.8601% | 99 |
| Credit loss provision to net charge-offs | 70.5549% | 1,591 |
| Earnings coverage of net charge-offs (x) | 1.7740% | 2,352 |
| Efficiency ratio | 73.4384% | 1,409 |
| Assets per employee ($millions) | 9.5087% | 776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1530% | 2,699 |
| Loan loss allowance to noncurrent loans | 1,079.3600% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.0651% | 3,118 |
| Noncurrent loans to loans | 0.1068% | 2,946 |
| Net loans and leases to total assets | 60.2200% | 2,749 |
| Net loans and leases to deposits | 65.7544% | 3,073 |
| Net loans and leases to core deposits | 67.5616% | 3,258 |
| Total domestic deposits to total assets | 91.5800% | 492 |
| Equity capital to assets | 7.4910% | 3,523 |
| Core capital (leverage) ratio | 10.3637% | 2,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $952,473,000 | 1,018 |
| Average earning assets | $895,322,333 | 1,001 |
| Average equity | $71,747,667 | 1,217 |
| Average total loans | $574,106,333 | 1,107 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0573% | 3,350 |
| Cost of funding earning assets | 0.4572% | 3,817 |
| Net interest margin | 3.6001% | 2,128 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 2.5294% | 2,169 |
| Loan and lease loss provision to assets | 0.2900% | 299 |
| Net operating income to assets | 0.5477% | 3,796 |
| Return on assets (ROA) | 0.5031% | 3,855 |
| Pretax return on assets | 0.6642% | 3,733 |
| Return on Equity (ROE) | 6.6600% | 3,600 |
| Retained earnings to average equity (ytd only) | 6.6601% | 2,601 |
| Net charge-offs to loans | 0.5550% | 147 |
| Credit loss provision to net charge-offs | 87.4525% | 1,184 |
| Earnings coverage of net charge-offs (x) | 3.0406% | 1,903 |
| Efficiency ratio | 71.4303% | 1,585 |
| Assets per employee ($millions) | 9.5405% | 794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2873% | 2,097 |
| Loan loss allowance to noncurrent loans | 473.9075% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 0.1631% | 2,366 |
| Noncurrent loans to loans | 0.2716% | 2,171 |
| Net loans and leases to total assets | 59.2700% | 2,741 |
| Net loans and leases to deposits | 69.1651% | 2,683 |
| Net loans and leases to core deposits | 69.9781% | 2,957 |
| Total domestic deposits to total assets | 85.6900% | 2,679 |
| Equity capital to assets | 7.6136% | 3,500 |
| Core capital (leverage) ratio | 10.4465% | 2,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $948,519,500 | 1,039 |
| Average earning assets | $891,520,000 | 1,018 |
| Average equity | $71,650,500 | 1,229 |
| Average total loans | $568,624,000 | 1,128 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8904% | 2,009 |
| Cost of funding earning assets | 0.2089% | 3,685 |
| Net interest margin | 3.6815% | 1,419 |
| Noninterest income to average assets | 0.1600% | 4,171 |
| Noninterest expense to average assets | 2.2436% | 2,913 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.0160% | 2,510 |
| Return on assets (ROA) | 0.9239% | 2,811 |
| Pretax return on assets | 1.2574% | 2,249 |
| Return on Equity (ROE) | 13.8000% | 1,575 |
| Retained earnings to average equity (ytd only) | 13.1975% | 481 |
| Net charge-offs to loans | 0.3043% | 252 |
| Credit loss provision to net charge-offs | 29.8176% | 1,894 |
| Earnings coverage of net charge-offs (x) | 8.0234% | 2,282 |
| Efficiency ratio | 61.1232% | 2,889 |
| Assets per employee ($millions) | 9.5131% | 779 |
| Cash dividends to net income (ytd only)* | 4.3903% | 3,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3016% | 1,883 |
| Loan loss allowance to noncurrent loans | 3,515.3110% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.0222% | 3,620 |
| Noncurrent loans to loans | 0.0370% | 3,513 |
| Net loans and leases to total assets | 59.1500% | 2,714 |
| Net loans and leases to deposits | 64.5622% | 2,991 |
| Net loans and leases to core deposits | 64.9509% | 3,200 |
| Total domestic deposits to total assets | 91.6200% | 742 |
| Equity capital to assets | 7.3758% | 3,456 |
| Core capital (leverage) ratio | 10.0426% | 2,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $986,171,400 | 992 |
| Average earning assets | $939,190,800 | 958 |
| Average equity | $66,004,800 | 1,308 |
| Average total loans | $576,350,000 | 1,062 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8049% | 1,743 |
| Cost of funding earning assets | 0.1756% | 3,564 |
| Net interest margin | 3.6293% | 1,320 |
| Noninterest income to average assets | 0.1300% | 4,339 |
| Noninterest expense to average assets | 2.1965% | 2,947 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0218% | 2,401 |
| Return on assets (ROA) | 1.0272% | 2,346 |
| Pretax return on assets | 1.4117% | 1,680 |
| Return on Equity (ROE) | 15.7300% | 1,032 |
| Retained earnings to average equity (ytd only) | 15.7258% | 299 |
| Net charge-offs to loans | 0.2343% | 292 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 10.3222% | 1,990 |
| Efficiency ratio | 60.9905% | 2,977 |
| Assets per employee ($millions) | 9.9426% | 671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2883% | 2,088 |
| Loan loss allowance to noncurrent loans | 1,848.4108% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.0411% | 3,493 |
| Noncurrent loans to loans | 0.0697% | 3,378 |
| Net loans and leases to total assets | 58.2600% | 2,669 |
| Net loans and leases to deposits | 62.8043% | 2,961 |
| Net loans and leases to core deposits | 63.0992% | 3,180 |
| Total domestic deposits to total assets | 92.7600% | 645 |
| Equity capital to assets | 6.3069% | 3,839 |
| Core capital (leverage) ratio | 9.6993% | 2,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $997,265,500 | 991 |
| Average earning assets | $952,710,500 | 956 |
| Average equity | $65,139,750 | 1,331 |
| Average total loans | $579,328,000 | 1,057 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7460% | 1,428 |
| Cost of funding earning assets | 0.1596% | 3,451 |
| Net interest margin | 3.5864% | 1,090 |
| Noninterest income to average assets | 0.1220% | 4,389 |
| Noninterest expense to average assets | 2.2166% | 2,797 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9791% | 2,234 |
| Return on assets (ROA) | 0.9791% | 2,207 |
| Pretax return on assets | 1.3455% | 1,596 |
| Return on Equity (ROE) | 14.8202% | 934 |
| Retained earnings to average equity (ytd only) | 14.8202% | 281 |
| Net charge-offs to loans | 0.1772% | 361 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 13.1429% | 1,694 |
| Efficiency ratio | 62.2272% | 3,016 |
| Assets per employee ($millions) | 9.7038% | 721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3763% | 1,855 |
| Loan loss allowance to noncurrent loans | 11,360.5634% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.0072% | 3,973 |
| Noncurrent loans to loans | 0.0121% | 3,887 |
| Net loans and leases to total assets | 58.3958% | 2,486 |
| Net loans and leases to deposits | 62.2559% | 2,870 |
| Net loans and leases to core deposits | 62.9264% | 3,035 |
| Total domestic deposits to total assets | 93.7996% | 321 |
| Equity capital to assets | 5.3535% | 4,406 |
| Core capital (leverage) ratio | 9.6175% | 2,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4011% | 1,900 |
| Memoranda: | ||
| Average total assets | $998,268,000 | 982 |
| Average earning assets | $957,551,333 | 949 |
| Average equity | $65,950,667 | 1,346 |
| Average total loans | $576,838,000 | 1,050 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5330% | 1,692 |
| Cost of funding earning assets | 0.1492% | 3,516 |
| Net interest margin | 3.3838% | 1,337 |
| Noninterest income to average assets | 0.1273% | 4,371 |
| Noninterest expense to average assets | 2.1742% | 2,910 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8906% | 2,310 |
| Return on assets (ROA) | 0.8906% | 2,311 |
| Pretax return on assets | 1.2106% | 1,769 |
| Return on Equity (ROE) | 12.3261% | 1,218 |
| Retained earnings to average equity (ytd only) | 12.3261% | 554 |
| Net charge-offs to loans | 0.1070% | 497 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 19.8301% | 1,282 |
| Efficiency ratio | 64.2344% | 2,995 |
| Assets per employee ($millions) | 10.0582% | 666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4519% | 1,705 |
| Loan loss allowance to noncurrent loans | 11,864.7887% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 4,019 |
| Noncurrent loans to loans | 0.0122% | 3,927 |
| Net loans and leases to total assets | 56.8477% | 2,436 |
| Net loans and leases to deposits | 61.1815% | 2,790 |
| Net loans and leases to core deposits | 61.5199% | 3,016 |
| Total domestic deposits to total assets | 92.9166% | 293 |
| Equity capital to assets | 6.4085% | 4,461 |
| Core capital (leverage) ratio | 8.3629% | 4,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6723% | 2,729 |
| Memoranda: | ||
| Average total assets | $1,002,506,000 | 980 |
| Average earning assets | $965,062,500 | 951 |
| Average equity | $72,431,500 | 1,297 |
| Average total loans | $572,225,500 | 1,051 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5017% | 2,653 |
| Cost of funding earning assets | 0.1342% | 4,123 |
| Net interest margin | 3.3676% | 2,121 |
| Noninterest income to average assets | 0.1061% | 4,582 |
| Noninterest expense to average assets | 2.1419% | 3,266 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8628% | 3,152 |
| Return on assets (ROA) | 0.8563% | 3,233 |
| Pretax return on assets | 1.1836% | 2,721 |
| Return on Equity (ROE) | 10.3910% | 2,389 |
| Retained earnings to average equity (ytd only) | 10.3910% | 823 |
| Net charge-offs to loans | 0.0402% | 1,453 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 46.7353% | 1,341 |
| Efficiency ratio | 64.2485% | 2,521 |
| Assets per employee ($millions) | 10.7440% | 544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5203% | 1,483 |
| Loan loss allowance to noncurrent loans | 896.3427% | 935 |
| Noncurrent assets plus other real estate owned to assets | 0.0958% | 3,267 |
| Noncurrent loans to loans | 0.1696% | 3,099 |
| Net loans and leases to total assets | 55.6112% | 2,663 |
| Net loans and leases to deposits | 60.8445% | 3,001 |
| Net loans and leases to core deposits | 61.1715% | 3,233 |
| Total domestic deposits to total assets | 91.3990% | 343 |
| Equity capital to assets | 8.0470% | 4,334 |
| Core capital (leverage) ratio | 8.0882% | 4,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0682% | 2,218 |
| Memoranda: | ||
| Average total assets | $933,238,000 | 1,013 |
| Average earning assets | $894,476,200 | 983 |
| Average equity | $76,903,400 | 1,245 |
| Average total loans | $592,392,000 | 1,025 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5172% | 2,775 |
| Cost of funding earning assets | 0.1275% | 4,280 |
| Net interest margin | 3.3897% | 2,182 |
| Noninterest income to average assets | 0.1094% | 4,628 |
| Noninterest expense to average assets | 2.1275% | 3,284 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8851% | 3,291 |
| Return on assets (ROA) | 0.8763% | 3,389 |
| Pretax return on assets | 1.2112% | 2,893 |
| Return on Equity (ROE) | 10.5660% | 2,533 |
| Retained earnings to average equity (ytd only) | 10.5660% | 1,158 |
| Net charge-offs to loans | -0.0031% | 3,312 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5089% | 2,467 |
| Assets per employee ($millions) | 10.8532% | 498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5627% | 1,431 |
| Loan loss allowance to noncurrent loans | 827.5539% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.1057% | 3,400 |
| Noncurrent loans to loans | 0.1888% | 3,194 |
| Net loans and leases to total assets | 55.1047% | 2,840 |
| Net loans and leases to deposits | 60.0392% | 3,224 |
| Net loans and leases to core deposits | 60.3776% | 3,448 |
| Total domestic deposits to total assets | 91.7812% | 169 |
| Equity capital to assets | 7.7832% | 4,620 |
| Core capital (leverage) ratio | 8.0666% | 4,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5532% | 2,145 |
| Memoranda: | ||
| Average total assets | $916,749,500 | 1,041 |
| Average earning assets | $876,402,750 | 1,012 |
| Average equity | $76,028,000 | 1,277 |
| Average total loans | $599,429,750 | 1,031 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5309% | 2,813 |
| Cost of funding earning assets | 0.1210% | 4,433 |
| Net interest margin | 3.4098% | 2,111 |
| Noninterest income to average assets | 0.0896% | 4,731 |
| Noninterest expense to average assets | 2.2109% | 3,054 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8127% | 3,471 |
| Return on assets (ROA) | 0.8098% | 3,551 |
| Pretax return on assets | 1.1254% | 3,129 |
| Return on Equity (ROE) | 9.5419% | 2,932 |
| Retained earnings to average equity (ytd only) | 9.5419% | 1,540 |
| Net charge-offs to loans | -0.0079% | 3,584 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1958% | 2,126 |
| Assets per employee ($millions) | 10.0068% | 605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4537% | 1,754 |
| Loan loss allowance to noncurrent loans | 409.0699% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 0.2273% | 2,790 |
| Noncurrent loans to loans | 0.3554% | 2,626 |
| Net loans and leases to total assets | 63.0369% | 2,058 |
| Net loans and leases to deposits | 69.0086% | 2,513 |
| Net loans and leases to core deposits | 69.5039% | 2,825 |
| Total domestic deposits to total assets | 91.3464% | 268 |
| Equity capital to assets | 8.1198% | 4,470 |
| Core capital (leverage) ratio | 8.6397% | 3,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2394% | 2,272 |
| Memoranda: | ||
| Average total assets | $885,882,000 | 1,063 |
| Average earning assets | $844,441,000 | 1,044 |
| Average equity | $75,184,000 | 1,283 |
| Average total loans | $610,896,333 | 1,012 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4758% | 2,995 |
| Cost of funding earning assets | 0.1183% | 4,530 |
| Net interest margin | 3.3575% | 2,225 |
| Noninterest income to average assets | 0.0895% | 4,728 |
| Noninterest expense to average assets | 2.2697% | 2,881 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7442% | 3,590 |
| Return on assets (ROA) | 0.7442% | 3,662 |
| Pretax return on assets | 1.0376% | 3,266 |
| Return on Equity (ROE) | 8.5629% | 3,165 |
| Retained earnings to average equity (ytd only) | 8.5629% | 2,072 |
| Net charge-offs to loans | -0.0078% | 3,568 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6269% | 1,857 |
| Assets per employee ($millions) | 9.2051% | 777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4252% | 1,857 |
| Loan loss allowance to noncurrent loans | 284.8661% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 0.3544% | 2,384 |
| Noncurrent loans to loans | 0.5003% | 2,355 |
| Net loans and leases to total assets | 69.8251% | 1,318 |
| Net loans and leases to deposits | 77.4880% | 1,762 |
| Net loans and leases to core deposits | 78.1509% | 2,171 |
| Total domestic deposits to total assets | 90.1108% | 769 |
| Equity capital to assets | 8.4887% | 4,127 |
| Core capital (leverage) ratio | 9.1383% | 3,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0807% | 1,875 |
| Memoranda: | ||
| Average total assets | $853,498,000 | 1,090 |
| Average earning assets | $817,995,500 | 1,059 |
| Average equity | $74,180,500 | 1,289 |
| Average total loans | $612,294,500 | 1,005 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8003% | 3,299 |
| Cost of funding earning assets | 0.1461% | 4,740 |
| Net interest margin | 3.6543% | 1,965 |
| Noninterest income to average assets | 0.1424% | 4,581 |
| Noninterest expense to average assets | 2.4281% | 3,061 |
| Loan and lease loss provision to assets | 0.2944% | 1,280 |
| Net operating income to assets | 0.6374% | 3,635 |
| Return on assets (ROA) | 0.6374% | 3,754 |
| Pretax return on assets | 0.8884% | 3,401 |
| Return on Equity (ROE) | 6.4915% | 3,412 |
| Retained earnings to average equity (ytd only) | 6.0682% | 1,766 |
| Net charge-offs to loans | -0.0167% | 4,383 |
| Credit loss provision to net charge-offs | -2,190.7216% | 4,207 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2447% | 2,330 |
| Assets per employee ($millions) | 8.7633% | 811 |
| Cash dividends to net income (ytd only)* | 6.5203% | 3,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4568% | 1,745 |
| Loan loss allowance to noncurrent loans | 678.6759% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.1560% | 3,495 |
| Noncurrent loans to loans | 0.2147% | 3,433 |
| Net loans and leases to total assets | 71.6309% | 1,339 |
| Net loans and leases to deposits | 79.6701% | 1,904 |
| Net loans and leases to core deposits | 80.4143% | 2,327 |
| Total domestic deposits to total assets | 89.9094% | 604 |
| Equity capital to assets | 8.9042% | 4,141 |
| Core capital (leverage) ratio | 9.4399% | 3,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2670% | 1,754 |
| Memoranda: | ||
| Average total assets | $721,866,800 | 1,147 |
| Average earning assets | $685,174,400 | 1,123 |
| Average equity | $70,877,400 | 1,283 |
| Average total loans | $579,870,000 | 1,010 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8932% | 3,272 |
| Cost of funding earning assets | 0.1573% | 4,785 |
| Net interest margin | 3.7360% | 1,812 |
| Noninterest income to average assets | 0.1527% | 4,530 |
| Noninterest expense to average assets | 2.5018% | 2,840 |
| Loan and lease loss provision to assets | 0.4081% | 846 |
| Net operating income to assets | 0.5591% | 3,886 |
| Return on assets (ROA) | 0.5591% | 3,972 |
| Pretax return on assets | 0.7790% | 3,703 |
| Return on Equity (ROE) | 5.5395% | 3,709 |
| Retained earnings to average equity (ytd only) | 5.5395% | 2,307 |
| Net charge-offs to loans | -0.0198% | 4,421 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,120 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8190% | 2,216 |
| Assets per employee ($millions) | 7.9683% | 1,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4005% | 1,735 |
| Loan loss allowance to noncurrent loans | 573.5505% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.2049% | 3,412 |
| Noncurrent loans to loans | 0.2442% | 3,426 |
| Net loans and leases to total assets | 82.7527% | 383 |
| Net loans and leases to deposits | 93.6910% | 945 |
| Net loans and leases to core deposits | 94.8580% | 1,556 |
| Total domestic deposits to total assets | 88.3252% | 1,047 |
| Equity capital to assets | 9.6643% | 3,543 |
| Core capital (leverage) ratio | 9.5802% | 3,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4173% | 1,686 |
| Memoranda: | ||
| Average total assets | $694,205,000 | 1,169 |
| Average earning assets | $657,091,000 | 1,149 |
| Average equity | $70,064,500 | 1,285 |
| Average total loans | $573,549,250 | 1,014 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9977% | 3,329 |
| Cost of funding earning assets | 0.1765% | 4,815 |
| Net interest margin | 3.8211% | 1,773 |
| Noninterest income to average assets | 0.1388% | 4,611 |
| Noninterest expense to average assets | 2.4997% | 2,959 |
| Loan and lease loss provision to assets | 0.4364% | 889 |
| Net operating income to assets | 0.5793% | 3,803 |
| Return on assets (ROA) | 0.5793% | 3,883 |
| Pretax return on assets | 0.8087% | 3,560 |
| Return on Equity (ROE) | 5.6516% | 3,615 |
| Retained earnings to average equity (ytd only) | 5.6516% | 2,212 |
| Net charge-offs to loans | -0.0086% | 4,162 |
| Credit loss provision to net charge-offs | -6,145.8333% | 4,141 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7509% | 2,410 |
| Assets per employee ($millions) | 8.6670% | 763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2966% | 2,017 |
| Loan loss allowance to noncurrent loans | 1,651.6327% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.0665% | 4,197 |
| Noncurrent loans to loans | 0.0785% | 4,142 |
| Net loans and leases to total assets | 83.6291% | 282 |
| Net loans and leases to deposits | 94.6670% | 898 |
| Net loans and leases to core deposits | 96.0146% | 1,581 |
| Total domestic deposits to total assets | 88.3403% | 1,021 |
| Equity capital to assets | 9.6431% | 3,532 |
| Core capital (leverage) ratio | 10.8294% | 2,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3709% | 1,671 |
| Memoranda: | ||
| Average total assets | $675,932,667 | 1,180 |
| Average earning assets | $637,872,000 | 1,159 |
| Average equity | $69,290,000 | 1,281 |
| Average total loans | $555,185,667 | 1,032 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0839% | 3,570 |
| Cost of funding earning assets | 0.2132% | 4,862 |
| Net interest margin | 3.8707% | 1,755 |
| Noninterest income to average assets | 0.1785% | 4,476 |
| Noninterest expense to average assets | 2.7852% | 2,468 |
| Loan and lease loss provision to assets | 0.5112% | 573 |
| Net operating income to assets | 0.3767% | 4,184 |
| Return on assets (ROA) | 0.3767% | 4,221 |
| Pretax return on assets | 0.5161% | 4,095 |
| Return on Equity (ROE) | 3.5548% | 4,081 |
| Retained earnings to average equity (ytd only) | 3.5548% | 2,870 |
| Net charge-offs to loans | -0.0092% | 4,050 |
| Credit loss provision to net charge-offs | -6,875.0000% | 3,919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0538% | 1,931 |
| Assets per employee ($millions) | 7.5972% | 864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4008% | 1,699 |
| Loan loss allowance to noncurrent loans | 1,510.3659% | 389 |
| Noncurrent assets plus other real estate owned to assets | 0.0762% | 4,225 |
| Noncurrent loans to loans | 0.0927% | 4,136 |
| Net loans and leases to total assets | 80.9985% | 559 |
| Net loans and leases to deposits | 91.4459% | 1,346 |
| Net loans and leases to core deposits | 92.9226% | 2,075 |
| Total domestic deposits to total assets | 88.5753% | 849 |
| Equity capital to assets | 10.6564% | 3,187 |
| Core capital (leverage) ratio | 10.7682% | 2,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9096% | 1,938 |
| Memoranda: | ||
| Average total assets | $645,553,500 | 1,193 |
| Average earning assets | $606,093,000 | 1,173 |
| Average equity | $68,415,000 | 1,286 |
| Average total loans | $520,688,000 | 1,060 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1941% | 3,826 |
| Cost of funding earning assets | 0.1910% | 4,981 |
| Net interest margin | 4.0031% | 1,851 |
| Noninterest income to average assets | 0.2921% | 3,940 |
| Noninterest expense to average assets | 2.5562% | 3,299 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1102% | 2,400 |
| Return on assets (ROA) | 1.1177% | 2,471 |
| Pretax return on assets | 1.5226% | 1,739 |
| Return on Equity (ROE) | 11.1013% | 1,845 |
| Retained earnings to average equity (ytd only) | 11.1013% | 322 |
| Net charge-offs to loans | -0.0094% | 4,454 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8168% | 3,243 |
| Assets per employee ($millions) | 7.6827% | 801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2907% | 1,967 |
| Loan loss allowance to noncurrent loans | 1,340.2439% | 457 |
| Noncurrent assets plus other real estate owned to assets | 0.0762% | 4,259 |
| Noncurrent loans to loans | 0.0963% | 4,139 |
| Net loans and leases to total assets | 78.1432% | 1,060 |
| Net loans and leases to deposits | 88.1528% | 1,823 |
| Net loans and leases to core deposits | 89.5723% | 2,461 |
| Total domestic deposits to total assets | 88.6452% | 820 |
| Equity capital to assets | 10.5393% | 3,409 |
| Core capital (leverage) ratio | 10.8968% | 2,593 |
| Tier 1 risk-based capital ratio | 14.0404% | 3,246 |
| Total risk-based capital ratio | 15.2923% | 3,154 |
| Memoranda: | ||
| Average total assets | $634,061,600 | 1,174 |
| Average earning assets | $598,290,400 | 1,154 |
| Average equity | $63,839,600 | 1,320 |
| Average total loans | $491,498,000 | 1,093 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2422% | 3,823 |
| Cost of funding earning assets | 0.1860% | 5,060 |
| Net interest margin | 4.0562% | 1,744 |
| Noninterest income to average assets | 0.3268% | 3,788 |
| Noninterest expense to average assets | 2.6324% | 3,071 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1204% | 2,491 |
| Return on assets (ROA) | 1.1304% | 2,544 |
| Pretax return on assets | 1.5387% | 1,841 |
| Return on Equity (ROE) | 11.3635% | 1,861 |
| Retained earnings to average equity (ytd only) | 11.3635% | 461 |
| Net charge-offs to loans | -0.0093% | 4,354 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3025% | 3,112 |
| Assets per employee ($millions) | 7.4995% | 839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3317% | 1,834 |
| 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 | 76.5054% | 1,394 |
| Net loans and leases to deposits | 86.2165% | 2,169 |
| Net loans and leases to core deposits | 87.5485% | 2,775 |
| Total domestic deposits to total assets | 88.7363% | 722 |
| Equity capital to assets | 10.4062% | 3,632 |
| Core capital (leverage) ratio | 10.6741% | 2,952 |
| Tier 1 risk-based capital ratio | 14.0508% | 3,301 |
| Total risk-based capital ratio | 15.3031% | 3,209 |
| Memoranda: | ||
| Average total assets | $631,240,250 | 1,178 |
| Average earning assets | $596,307,000 | 1,153 |
| Average equity | $62,795,750 | 1,328 |
| Average total loans | $486,650,250 | 1,106 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2579% | 3,768 |
| Cost of funding earning assets | 0.1857% | 5,106 |
| Net interest margin | 4.0722% | 1,696 |
| Noninterest income to average assets | 0.3185% | 3,797 |
| Noninterest expense to average assets | 2.7029% | 2,893 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0852% | 2,583 |
| Return on assets (ROA) | 1.0852% | 2,648 |
| Pretax return on assets | 1.4778% | 1,925 |
| Return on Equity (ROE) | 11.0815% | 1,947 |
| Retained earnings to average equity (ytd only) | 11.0815% | 535 |
| Net charge-offs to loans | -0.0099% | 4,324 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6518% | 3,026 |
| Assets per employee ($millions) | 7.2505% | 903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3644% | 1,762 |
| 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 | 75.3189% | 1,666 |
| Net loans and leases to deposits | 84.6115% | 2,419 |
| Net loans and leases to core deposits | 85.9911% | 2,962 |
| Total domestic deposits to total assets | 89.0173% | 654 |
| Equity capital to assets | 10.1419% | 3,843 |
| Core capital (leverage) ratio | 10.3954% | 3,196 |
| Tier 1 risk-based capital ratio | 14.1188% | 3,252 |
| Total risk-based capital ratio | 15.3719% | 3,172 |
| Memoranda: | ||
| Average total assets | $629,168,330 | 1,178 |
| Average earning assets | $596,732,000 | 1,144 |
| Average equity | $61,616,000 | 1,346 |
| Average total loans | $484,110,330 | 1,115 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3225% | 3,489 |
| Cost of funding earning assets | 0.1822% | 5,153 |
| Net interest margin | 4.1403% | 1,450 |
| Noninterest income to average assets | 0.3017% | 3,866 |
| Noninterest expense to average assets | 2.6997% | 2,906 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1306% | 2,350 |
| Return on assets (ROA) | 1.1306% | 2,397 |
| Pretax return on assets | 1.5361% | 1,659 |
| Return on Equity (ROE) | 11.7544% | 1,631 |
| Retained earnings to average equity (ytd only) | 11.7544% | 663 |
| Net charge-offs to loans | -0.0099% | 4,223 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7361% | 3,281 |
| Assets per employee ($millions) | 7.8324% | 709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3574% | 1,837 |
| 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 | 75.1393% | 1,618 |
| Net loans and leases to deposits | 83.9417% | 2,393 |
| Net loans and leases to core deposits | 85.2556% | 2,937 |
| Total domestic deposits to total assets | 89.5137% | 638 |
| Equity capital to assets | 9.7267% | 4,063 |
| Core capital (leverage) ratio | 9.7913% | 3,822 |
| Tier 1 risk-based capital ratio | 13.7204% | 3,487 |
| Total risk-based capital ratio | 14.9733% | 3,397 |
| Memoranda: | ||
| Average total assets | $628,357,500 | 1,182 |
| Average earning assets | $597,060,000 | 1,152 |
| Average equity | $60,437,000 | 1,367 |
| Average total loans | $485,327,500 | 1,110 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1201% | 3,678 |
| Cost of funding earning assets | 0.1446% | 5,190 |
| Net interest margin | 3.9754% | 2,076 |
| Noninterest income to average assets | 0.3301% | 3,894 |
| Noninterest expense to average assets | 2.6101% | 3,308 |
| Loan and lease loss provision to assets | 0.0199% | 3,765 |
| Net operating income to assets | 1.0665% | 2,729 |
| Return on assets (ROA) | 1.0665% | 2,714 |
| Pretax return on assets | 1.4689% | 1,878 |
| Return on Equity (ROE) | 11.6895% | 1,827 |
| Retained earnings to average equity (ytd only) | 11.6895% | 344 |
| Net charge-offs to loans | -0.0107% | 4,509 |
| Credit loss provision to net charge-offs | -240.0000% | 4,501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6787% | 3,226 |
| Assets per employee ($millions) | 7.5889% | 765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3435% | 1,858 |
| Loan loss allowance to noncurrent loans | 241.5345% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 0.4357% | 2,822 |
| Noncurrent loans to loans | 0.5562% | 2,606 |
| Net loans and leases to total assets | 77.2701% | 1,394 |
| Net loans and leases to deposits | 85.7884% | 2,297 |
| Net loans and leases to core deposits | 87.0379% | 2,834 |
| Total domestic deposits to total assets | 90.0707% | 450 |
| Equity capital to assets | 9.5077% | 4,124 |
| Core capital (leverage) ratio | 9.5541% | 4,054 |
| Tier 1 risk-based capital ratio | 13.3005% | 3,658 |
| Total risk-based capital ratio | 14.5537% | 3,543 |
| Memoranda: | ||
| Average total assets | $603,117,800 | 1,196 |
| Average earning assets | $571,761,600 | 1,180 |
| Average equity | $55,023,600 | 1,416 |
| Average total loans | $465,902,400 | 1,114 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0386% | 3,818 |
| Cost of funding earning assets | 0.1331% | 5,268 |
| Net interest margin | 3.9054% | 2,279 |
| Noninterest income to average assets | 0.3229% | 3,986 |
| Noninterest expense to average assets | 2.6422% | 3,149 |
| Loan and lease loss provision to assets | 0.0045% | 3,883 |
| Net operating income to assets | 1.0008% | 3,080 |
| Return on assets (ROA) | 1.0008% | 3,094 |
| Pretax return on assets | 1.3758% | 2,319 |
| Return on Equity (ROE) | 11.0910% | 2,141 |
| Retained earnings to average equity (ytd only) | 11.0910% | 634 |
| Net charge-offs to loans | -0.0107% | 4,423 |
| Credit loss provision to net charge-offs | -54.0541% | 4,170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6861% | 2,922 |
| Assets per employee ($millions) | 7.3089% | 836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3252% | 1,982 |
| Loan loss allowance to noncurrent loans | 221.4384% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 0.4790% | 2,766 |
| Noncurrent loans to loans | 0.5984% | 2,586 |
| Net loans and leases to total assets | 78.9875% | 1,172 |
| Net loans and leases to deposits | 87.4569% | 2,218 |
| Net loans and leases to core deposits | 88.6201% | 2,784 |
| Total domestic deposits to total assets | 90.3159% | 409 |
| Equity capital to assets | 9.2978% | 4,277 |
| Core capital (leverage) ratio | 9.2765% | 4,427 |
| Tier 1 risk-based capital ratio | 12.8343% | 3,999 |
| Total risk-based capital ratio | 14.0871% | 3,902 |
| Memoranda: | ||
| Average total assets | $598,325,500 | 1,203 |
| Average earning assets | $566,787,250 | 1,191 |
| Average equity | $53,988,250 | 1,437 |
| Average total loans | $460,530,500 | 1,127 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9107% | 4,047 |
| Cost of funding earning assets | 0.1169% | 5,357 |
| Net interest margin | 3.7938% | 2,583 |
| Noninterest income to average assets | 0.3284% | 3,994 |
| Noninterest expense to average assets | 2.6490% | 3,165 |
| Loan and lease loss provision to assets | 0.0067% | 3,702 |
| Net operating income to assets | 0.9232% | 3,352 |
| Return on assets (ROA) | 0.9232% | 3,350 |
| Pretax return on assets | 1.2687% | 2,636 |
| Return on Equity (ROE) | 10.3379% | 2,408 |
| Retained earnings to average equity (ytd only) | 10.3379% | 830 |
| Net charge-offs to loans | -0.0111% | 4,347 |
| Credit loss provision to net charge-offs | -80.0000% | 4,055 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4996% | 2,725 |
| Assets per employee ($millions) | 7.0074% | 918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3520% | 1,933 |
| Loan loss allowance to noncurrent loans | 3,243.9394% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.0325% | 4,864 |
| Noncurrent loans to loans | 0.0417% | 4,730 |
| Net loans and leases to total assets | 76.8760% | 1,492 |
| Net loans and leases to deposits | 84.7682% | 2,449 |
| Net loans and leases to core deposits | 85.4873% | 2,969 |
| Total domestic deposits to total assets | 90.6898% | 329 |
| Equity capital to assets | 8.9669% | 4,587 |
| Core capital (leverage) ratio | 9.3464% | 4,305 |
| Tier 1 risk-based capital ratio | 12.7421% | 4,043 |
| Total risk-based capital ratio | 13.9955% | 3,947 |
| Memoranda: | ||
| Average total assets | $595,555,670 | 1,209 |
| Average earning assets | $564,506,000 | 1,194 |
| Average equity | $53,183,000 | 1,455 |
| Average total loans | $452,173,670 | 1,144 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8520% | 4,078 |
| Cost of funding earning assets | 0.1134% | 5,417 |
| Net interest margin | 3.7386% | 2,653 |
| Noninterest income to average assets | 0.2590% | 4,445 |
| Noninterest expense to average assets | 2.6378% | 3,225 |
| Loan and lease loss provision to assets | 0.0136% | 3,356 |
| Net operating income to assets | 0.8421% | 3,542 |
| Return on assets (ROA) | 0.8421% | 3,559 |
| Pretax return on assets | 1.1473% | 2,977 |
| Return on Equity (ROE) | 9.4505% | 2,694 |
| Retained earnings to average equity (ytd only) | 9.4505% | 1,316 |
| Net charge-offs to loans | -0.0109% | 4,283 |
| Credit loss provision to net charge-offs | -166.6667% | 3,779 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4400% | 2,590 |
| Assets per employee ($millions) | 7.1903% | 891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4135% | 1,785 |
| Loan loss allowance to noncurrent loans | 2,543.6508% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.0422% | 4,898 |
| Noncurrent loans to loans | 0.0556% | 4,729 |
| Net loans and leases to total assets | 74.9148% | 1,722 |
| Net loans and leases to deposits | 82.4787% | 2,552 |
| Net loans and leases to core deposits | 83.1495% | 3,046 |
| Total domestic deposits to total assets | 90.8293% | 374 |
| Equity capital to assets | 8.8625% | 4,695 |
| Core capital (leverage) ratio | 9.1440% | 4,515 |
| Tier 1 risk-based capital ratio | 12.8880% | 4,009 |
| Total risk-based capital ratio | 14.1420% | 3,901 |
| Memoranda: | ||
| Average total assets | $588,513,500 | 1,235 |
| Average earning assets | $557,215,500 | 1,213 |
| Average equity | $52,441,500 | 1,473 |
| Average total loans | $440,715,500 | 1,168 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7016% | 4,333 |
| Cost of funding earning assets | 0.1161% | 5,431 |
| Net interest margin | 3.5855% | 3,220 |
| Noninterest income to average assets | 0.2054% | 4,913 |
| Noninterest expense to average assets | 2.4907% | 3,814 |
| Loan and lease loss provision to assets | 0.0311% | 3,653 |
| Net operating income to assets | 0.5055% | 4,361 |
| Return on assets (ROA) | 0.5055% | 4,395 |
| Pretax return on assets | 1.0847% | 3,248 |
| Return on Equity (ROE) | 5.6832% | 3,876 |
| Retained earnings to average equity (ytd only) | 5.6832% | 1,719 |
| Net charge-offs to loans | 0.0153% | 3,579 |
| Credit loss provision to net charge-offs | 273.4375% | 1,020 |
| Earnings coverage of net charge-offs (x) | 98.1250% | 655 |
| Efficiency ratio | 69.0610% | 2,685 |
| Assets per employee ($millions) | 7.2529% | 863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4904% | 1,440 |
| Loan loss allowance to noncurrent loans | 2,501.1765% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.0439% | 4,916 |
| Noncurrent loans to loans | 0.0596% | 4,728 |
| Net loans and leases to total assets | 72.6528% | 2,145 |
| Net loans and leases to deposits | 80.1320% | 2,903 |
| Net loans and leases to core deposits | 80.7501% | 3,361 |
| Total domestic deposits to total assets | 90.6665% | 345 |
| Equity capital to assets | 8.9606% | 4,762 |
| Core capital (leverage) ratio | 9.1390% | 4,476 |
| Tier 1 risk-based capital ratio | 12.9054% | 3,969 |
| Total risk-based capital ratio | 14.1598% | 3,863 |
| Memoranda: | ||
| Average total assets | $562,823,000 | 1,259 |
| Average earning assets | $533,877,200 | 1,234 |
| Average equity | $50,059,600 | 1,518 |
| Average total loans | $417,426,200 | 1,196 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6445% | 4,457 |
| Cost of funding earning assets | 0.1182% | 5,490 |
| Net interest margin | 3.5263% | 3,402 |
| Noninterest income to average assets | 0.2017% | 5,003 |
| Noninterest expense to average assets | 2.4932% | 3,761 |
| Loan and lease loss provision to assets | 0.0263% | 3,608 |
| Net operating income to assets | 0.6362% | 4,247 |
| Return on assets (ROA) | 0.6362% | 4,306 |
| Pretax return on assets | 1.0304% | 3,565 |
| Return on Equity (ROE) | 7.1672% | 3,558 |
| Retained earnings to average equity (ytd only) | 7.1672% | 1,603 |
| Net charge-offs to loans | 0.0244% | 2,961 |
| Credit loss provision to net charge-offs | 144.7368% | 1,736 |
| Earnings coverage of net charge-offs (x) | 58.2373% | 1,011 |
| Efficiency ratio | 70.2334% | 2,502 |
| Assets per employee ($millions) | 7.1667% | 882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4773% | 1,615 |
| Loan loss allowance to noncurrent loans | 2,451.7510% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.0448% | 5,011 |
| Noncurrent loans to loans | 0.0603% | 4,843 |
| Net loans and leases to total assets | 73.2923% | 2,045 |
| Net loans and leases to deposits | 80.8594% | 2,889 |
| Net loans and leases to core deposits | 81.6020% | 3,318 |
| Total domestic deposits to total assets | 90.6416% | 280 |
| Equity capital to assets | 8.9991% | 4,914 |
| Core capital (leverage) ratio | 9.0746% | 4,657 |
| Tier 1 risk-based capital ratio | 12.9004% | 4,078 |
| Total risk-based capital ratio | 14.1549% | 3,980 |
| Memoranda: | ||
| Average total assets | $558,470,750 | 1,281 |
| Average earning assets | $530,252,500 | 1,249 |
| Average equity | $49,576,500 | 1,542 |
| Average total loans | $414,799,500 | 1,209 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5825% | 4,556 |
| Cost of funding earning assets | 0.1208% | 5,503 |
| Net interest margin | 3.4617% | 3,538 |
| Noninterest income to average assets | 0.1803% | 5,153 |
| Noninterest expense to average assets | 2.5029% | 3,739 |
| Loan and lease loss provision to assets | 0.0090% | 3,747 |
| Net operating income to assets | 0.5933% | 4,340 |
| Return on assets (ROA) | 0.5933% | 4,384 |
| Pretax return on assets | 0.9600% | 3,724 |
| Return on Equity (ROE) | 6.7152% | 3,716 |
| Retained earnings to average equity (ytd only) | 6.7152% | 1,733 |
| Net charge-offs to loans | 0.0248% | 2,724 |
| Credit loss provision to net charge-offs | 49.0196% | 2,576 |
| Earnings coverage of net charge-offs (x) | 52.5882% | 1,037 |
| Efficiency ratio | 72.0887% | 2,326 |
| Assets per employee ($millions) | 7.0523% | 908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4901% | 1,610 |
| Loan loss allowance to noncurrent loans | 2,073.4219% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.0540% | 5,003 |
| Noncurrent loans to loans | 0.0719% | 4,844 |
| Net loans and leases to total assets | 74.0553% | 1,852 |
| Net loans and leases to deposits | 81.7384% | 2,726 |
| Net loans and leases to core deposits | 82.4367% | 3,216 |
| Total domestic deposits to total assets | 90.6004% | 323 |
| Equity capital to assets | 9.0250% | 4,873 |
| Core capital (leverage) ratio | 9.0270% | 4,691 |
| Tier 1 risk-based capital ratio | 12.8516% | 4,089 |
| Total risk-based capital ratio | 14.1062% | 4,002 |
| Memoranda: | ||
| Average total assets | $553,515,670 | 1,295 |
| Average earning assets | $526,336,330 | 1,259 |
| Average equity | $48,903,670 | 1,561 |
| Average total loans | $410,895,330 | 1,221 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5074% | 4,672 |
| Cost of funding earning assets | 0.1173% | 5,578 |
| Net interest margin | 3.3901% | 3,683 |
| Noninterest income to average assets | 0.1856% | 5,165 |
| Noninterest expense to average assets | 2.4709% | 3,901 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5706% | 4,277 |
| Return on assets (ROA) | 0.5706% | 4,324 |
| Pretax return on assets | 0.9418% | 3,621 |
| Return on Equity (ROE) | 6.5291% | 3,647 |
| Retained earnings to average equity (ytd only) | 6.5291% | 2,061 |
| Net charge-offs to loans | 0.0580% | 1,751 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 22.0169% | 1,434 |
| Efficiency ratio | 72.4028% | 2,503 |
| Assets per employee ($millions) | 7.0960% | 907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5195% | 1,628 |
| Loan loss allowance to noncurrent loans | 5,006.4516% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.0224% | 5,244 |
| Noncurrent loans to loans | 0.0304% | 5,088 |
| Net loans and leases to total assets | 72.6926% | 1,971 |
| Net loans and leases to deposits | 79.9225% | 2,766 |
| Net loans and leases to core deposits | 80.5744% | 3,241 |
| Total domestic deposits to total assets | 90.9539% | 314 |
| Equity capital to assets | 8.8141% | 4,988 |
| Core capital (leverage) ratio | 8.9737% | 4,769 |
| Tier 1 risk-based capital ratio | 12.9788% | 4,091 |
| Total risk-based capital ratio | 14.2340% | 3,985 |
| Memoranda: | ||
| Average total assets | $551,707,500 | 1,300 |
| Average earning assets | $525,178,500 | 1,263 |
| Average equity | $48,215,000 | 1,581 |
| Average total loans | $406,929,500 | 1,232 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4145% | 4,948 |
| Cost of funding earning assets | 0.1355% | 5,515 |
| Net interest margin | 3.2790% | 4,210 |
| Noninterest income to average assets | 0.0783% | 5,700 |
| Noninterest expense to average assets | 2.2437% | 4,667 |
| Loan and lease loss provision to assets | 0.0549% | 3,282 |
| Net operating income to assets | 0.5695% | 4,350 |
| Return on assets (ROA) | 0.5707% | 4,447 |
| Pretax return on assets | 0.9412% | 3,688 |
| Return on Equity (ROE) | 6.6452% | 3,671 |
| Retained earnings to average equity (ytd only) | 6.6452% | 1,384 |
| Net charge-offs to loans | -0.0130% | 5,008 |
| Credit loss provision to net charge-offs | -578.4314% | 5,193 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2940% | 3,022 |
| Assets per employee ($millions) | 7.1419% | 861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5462% | 1,513 |
| Loan loss allowance to noncurrent loans | 4,508.6331% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.0253% | 5,287 |
| Noncurrent loans to loans | 0.0343% | 5,124 |
| Net loans and leases to total assets | 72.5622% | 2,083 |
| Net loans and leases to deposits | 79.7088% | 2,918 |
| Net loans and leases to core deposits | 80.4415% | 3,358 |
| Total domestic deposits to total assets | 91.0341% | 272 |
| Equity capital to assets | 8.6639% | 5,139 |
| Core capital (leverage) ratio | 8.8932% | 4,863 |
| Tier 1 risk-based capital ratio | 12.9986% | 4,080 |
| Total risk-based capital ratio | 14.2546% | 3,976 |
| Memoranda: | ||
| Average total assets | $537,597,600 | 1,287 |
| Average earning assets | $518,029,800 | 1,241 |
| Average equity | $46,168,400 | 1,633 |
| Average total loans | $391,721,200 | 1,216 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3444% | 5,136 |
| Cost of funding earning assets | 0.1409% | 5,539 |
| Net interest margin | 3.2035% | 4,481 |
| Noninterest income to average assets | 0.0594% | 5,810 |
| Noninterest expense to average assets | 2.2255% | 4,699 |
| Loan and lease loss provision to assets | 0.0736% | 2,747 |
| Net operating income to assets | 0.5068% | 4,673 |
| Return on assets (ROA) | 0.5084% | 4,766 |
| Pretax return on assets | 0.8593% | 4,124 |
| Return on Equity (ROE) | 5.9330% | 4,097 |
| Retained earnings to average equity (ytd only) | 5.9330% | 2,220 |
| Net charge-offs to loans | -0.0134% | 4,879 |
| Credit loss provision to net charge-offs | -756.4103% | 5,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5185% | 2,820 |
| Assets per employee ($millions) | 7.1741% | 828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5167% | 1,706 |
| Loan loss allowance to noncurrent loans | 386.3496% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 0.3091% | 4,172 |
| Noncurrent loans to loans | 0.3926% | 3,857 |
| Net loans and leases to total assets | 77.5531% | 1,278 |
| Net loans and leases to deposits | 85.4528% | 2,317 |
| Net loans and leases to core deposits | 86.2804% | 2,925 |
| Total domestic deposits to total assets | 90.7555% | 256 |
| Equity capital to assets | 8.9766% | 5,200 |
| Core capital (leverage) ratio | 8.9429% | 4,889 |
| Tier 1 risk-based capital ratio | 12.9711% | 4,183 |
| Total risk-based capital ratio | 14.2274% | 4,092 |
| Memoranda: | ||
| Average total assets | $534,515,250 | 1,297 |
| Average earning assets | $516,670,000 | 1,242 |
| Average equity | $45,799,250 | 1,655 |
| Average total loans | $388,325,000 | 1,224 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3132% | 5,265 |
| Cost of funding earning assets | 0.1480% | 5,557 |
| Net interest margin | 3.1651% | 4,653 |
| Noninterest income to average assets | 0.0606% | 5,889 |
| Noninterest expense to average assets | 2.2330% | 4,771 |
| Loan and lease loss provision to assets | 0.0149% | 3,809 |
| Net operating income to assets | 0.5154% | 4,617 |
| Return on assets (ROA) | 0.5177% | 4,725 |
| Pretax return on assets | 0.8760% | 4,039 |
| Return on Equity (ROE) | 6.1372% | 3,982 |
| Retained earnings to average equity (ytd only) | 6.1372% | 2,047 |
| Net charge-offs to loans | -0.0137% | 4,795 |
| Credit loss provision to net charge-offs | -153.8462% | 4,673 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5664% | 2,736 |
| Assets per employee ($millions) | 7.2806% | 773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5577% | 1,654 |
| Loan loss allowance to noncurrent loans | 344.2783% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 0.3185% | 4,223 |
| Noncurrent loans to loans | 0.4524% | 3,747 |
| Net loans and leases to total assets | 69.2933% | 2,585 |
| Net loans and leases to deposits | 75.9621% | 3,388 |
| Net loans and leases to core deposits | 76.7120% | 3,761 |
| Total domestic deposits to total assets | 91.2209% | 149 |
| Equity capital to assets | 8.4729% | 5,613 |
| Core capital (leverage) ratio | 8.3347% | 5,506 |
| Tier 1 risk-based capital ratio | 13.4718% | 3,929 |
| Total risk-based capital ratio | 14.7284% | 3,832 |
| Memoranda: | ||
| Average total assets | $538,117,670 | 1,291 |
| Average earning assets | $520,165,000 | 1,234 |
| Average equity | $45,395,330 | 1,667 |
| Average total loans | $380,297,670 | 1,246 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3596% | 5,204 |
| Cost of funding earning assets | 0.1396% | 5,677 |
| Net interest margin | 3.2200% | 4,512 |
| Noninterest income to average assets | 0.0517% | 5,963 |
| Noninterest expense to average assets | 2.2713% | 4,738 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5272% | 4,517 |
| Return on assets (ROA) | 0.5272% | 4,628 |
| Pretax return on assets | 0.8896% | 3,888 |
| Return on Equity (ROE) | 6.2633% | 3,851 |
| Retained earnings to average equity (ytd only) | 6.2633% | 2,251 |
| Net charge-offs to loans | -0.0201% | 4,860 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8550% | 2,817 |
| Assets per employee ($millions) | 7.4913% | 708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5639% | 1,738 |
| Loan loss allowance to noncurrent loans | 351.4793% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.3049% | 4,352 |
| Noncurrent loans to loans | 0.4449% | 3,844 |
| Net loans and leases to total assets | 67.4442% | 2,741 |
| Net loans and leases to deposits | 73.6898% | 3,469 |
| Net loans and leases to core deposits | 74.3584% | 3,852 |
| Total domestic deposits to total assets | 91.5244% | 152 |
| Equity capital to assets | 8.1952% | 5,746 |
| Core capital (leverage) ratio | 8.5811% | 5,310 |
| Tier 1 risk-based capital ratio | 13.5620% | 3,940 |
| Total risk-based capital ratio | 14.8193% | 3,870 |
| Memoranda: | ||
| Average total assets | $534,154,500 | 1,301 |
| Average earning assets | $515,782,000 | 1,249 |
| Average equity | $44,960,000 | 1,677 |
| Average total loans | $378,267,000 | 1,248 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3617% | 5,241 |
| Cost of funding earning assets | 0.1423% | 5,733 |
| Net interest margin | 3.2194% | 4,558 |
| Noninterest income to average assets | 0.1249% | 5,787 |
| Noninterest expense to average assets | 2.3063% | 4,769 |
| Loan and lease loss provision to assets | 0.1157% | 2,066 |
| Net operating income to assets | 0.4875% | 4,746 |
| Return on assets (ROA) | 0.4875% | 4,833 |
| Pretax return on assets | 0.7831% | 4,248 |
| Return on Equity (ROE) | 5.5343% | 4,266 |
| Retained earnings to average equity (ytd only) | 5.5343% | 2,064 |
| Net charge-offs to loans | -0.0087% | 5,080 |
| Credit loss provision to net charge-offs | -1,822.5806% | 5,637 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9578% | 2,915 |
| Assets per employee ($millions) | 7.1382% | 847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5718% | 1,718 |
| Loan loss allowance to noncurrent loans | 342.0566% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.3368% | 4,240 |
| Noncurrent loans to loans | 0.4595% | 3,827 |
| Net loans and leases to total assets | 72.1452% | 2,026 |
| Net loans and leases to deposits | 79.1628% | 2,926 |
| Net loans and leases to core deposits | 82.2452% | 3,118 |
| Total domestic deposits to total assets | 91.1351% | 251 |
| Equity capital to assets | 8.6563% | 5,419 |
| Core capital (leverage) ratio | 8.8187% | 5,093 |
| Tier 1 risk-based capital ratio | 13.2373% | 4,146 |
| Total risk-based capital ratio | 14.4944% | 4,080 |
| Memoranda: | ||
| Average total assets | $488,449,400 | 1,381 |
| Average earning assets | $467,321,000 | 1,327 |
| Average equity | $43,022,600 | 1,702 |
| Average total loans | $357,100,400 | 1,268 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3408% | 5,341 |
| Cost of funding earning assets | 0.1457% | 5,815 |
| Net interest margin | 3.1951% | 4,683 |
| Noninterest income to average assets | 0.1482% | 5,744 |
| Noninterest expense to average assets | 2.3008% | 4,776 |
| Loan and lease loss provision to assets | 0.1563% | 1,389 |
| Net operating income to assets | 0.4721% | 4,886 |
| Return on assets (ROA) | 0.4721% | 4,988 |
| Pretax return on assets | 0.7412% | 4,530 |
| Return on Equity (ROE) | 5.3356% | 4,471 |
| Retained earnings to average equity (ytd only) | 5.3356% | 2,693 |
| Net charge-offs to loans | -0.0136% | 5,079 |
| Credit loss provision to net charge-offs | -1,569.4444% | 5,557 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9388% | 2,894 |
| Assets per employee ($millions) | 7.2800% | 764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5325% | 2,025 |
| Loan loss allowance to noncurrent loans | 311.7307% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 0.3784% | 4,251 |
| Noncurrent loans to loans | 0.4916% | 3,872 |
| Net loans and leases to total assets | 75.8032% | 1,413 |
| Net loans and leases to deposits | 86.8839% | 2,043 |
| Net loans and leases to core deposits | 90.6285% | 2,399 |
| Total domestic deposits to total assets | 87.2465% | 1,923 |
| Equity capital to assets | 8.7050% | 5,574 |
| Core capital (leverage) ratio | 8.9434% | 5,063 |
| Tier 1 risk-based capital ratio | 12.6684% | 4,633 |
| Total risk-based capital ratio | 13.9248% | 4,536 |
| Memoranda: | ||
| Average total assets | $482,074,250 | 1,403 |
| Average earning assets | $460,195,250 | 1,350 |
| Average equity | $42,656,000 | 1,728 |
| Average total loans | $352,197,750 | 1,288 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3502% | 5,338 |
| Cost of funding earning assets | 0.1484% | 5,857 |
| Net interest margin | 3.2018% | 4,655 |
| Noninterest income to average assets | 0.1805% | 5,612 |
| Noninterest expense to average assets | 2.3066% | 4,826 |
| Loan and lease loss provision to assets | 0.0842% | 2,434 |
| Net operating income to assets | 0.5478% | 4,566 |
| Return on assets (ROA) | 0.5478% | 4,676 |
| Pretax return on assets | 0.8394% | 4,167 |
| Return on Equity (ROE) | 6.1562% | 4,061 |
| Retained earnings to average equity (ytd only) | 6.1562% | 2,144 |
| Net charge-offs to loans | -0.0141% | 5,038 |
| Credit loss provision to net charge-offs | -833.3333% | 5,313 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4081% | 3,093 |
| Assets per employee ($millions) | 6.8667% | 880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5981% | 1,918 |
| Loan loss allowance to noncurrent loans | 6,031.5217% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.0191% | 5,818 |
| Noncurrent loans to loans | 0.0265% | 5,655 |
| Net loans and leases to total assets | 71.0851% | 2,146 |
| Net loans and leases to deposits | 78.2967% | 2,991 |
| Net loans and leases to core deposits | 81.6255% | 3,221 |
| Total domestic deposits to total assets | 90.7894% | 361 |
| Equity capital to assets | 8.9909% | 5,242 |
| Core capital (leverage) ratio | 8.9672% | 5,015 |
| Tier 1 risk-based capital ratio | 13.5657% | 4,183 |
| Total risk-based capital ratio | 14.8224% | 4,104 |
| Memoranda: | ||
| Average total assets | $475,326,330 | 1,435 |
| Average earning assets | $452,748,670 | 1,384 |
| Average equity | $42,299,000 | 1,748 |
| Average total loans | $340,697,330 | 1,323 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3112% | 5,420 |
| Cost of funding earning assets | 0.1471% | 5,951 |
| Net interest margin | 3.1641% | 4,742 |
| Noninterest income to average assets | 0.2683% | 5,032 |
| Noninterest expense to average assets | 2.2494% | 5,006 |
| Loan and lease loss provision to assets | 0.1693% | 1,179 |
| Net operating income to assets | 0.5932% | 4,318 |
| Return on assets (ROA) | 0.5932% | 4,414 |
| Pretax return on assets | 0.8522% | 4,050 |
| Return on Equity (ROE) | 6.7016% | 3,654 |
| Retained earnings to average equity (ytd only) | 6.7016% | 2,146 |
| Net charge-offs to loans | -0.0142% | 4,887 |
| Credit loss provision to net charge-offs | -1,666.6667% | 5,099 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7710% | 3,702 |
| Assets per employee ($millions) | 7.2795% | 744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5894% | 2,086 |
| Loan loss allowance to noncurrent loans | 5,537.0000% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.0208% | 5,860 |
| Noncurrent loans to loans | 0.0287% | 5,691 |
| Net loans and leases to total assets | 71.3546% | 1,924 |
| Net loans and leases to deposits | 78.4537% | 2,743 |
| Net loans and leases to core deposits | 81.8223% | 2,979 |
| Total domestic deposits to total assets | 90.9512% | 385 |
| Equity capital to assets | 8.8459% | 5,448 |
| Core capital (leverage) ratio | 8.9130% | 5,060 |
| Tier 1 risk-based capital ratio | 13.3140% | 4,425 |
| Total risk-based capital ratio | 14.5706% | 4,331 |
| Memoranda: | ||
| Average total assets | $472,656,500 | 1,443 |
| Average earning assets | $448,536,000 | 1,399 |
| Average equity | $41,840,500 | 1,767 |
| Average total loans | $337,430,500 | 1,333 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3700% | 5,586 |
| Cost of funding earning assets | 0.1514% | 6,093 |
| Net interest margin | 3.2186% | 4,859 |
| Noninterest income to average assets | 0.0695% | 6,242 |
| Noninterest expense to average assets | 2.2445% | 5,257 |
| Loan and lease loss provision to assets | 0.1323% | 1,976 |
| Net operating income to assets | 0.4270% | 5,125 |
| Return on assets (ROA) | 0.4508% | 5,107 |
| Pretax return on assets | 0.7657% | 4,384 |
| Return on Equity (ROE) | 4.9743% | 4,677 |
| Retained earnings to average equity (ytd only) | 4.9743% | 2,617 |
| Net charge-offs to loans | -0.0199% | 5,701 |
| Credit loss provision to net charge-offs | -974.5763% | 5,895 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2815% | 3,158 |
| Assets per employee ($millions) | 7.3788% | 696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6309% | 1,990 |
| Loan loss allowance to noncurrent loans | 688.8745% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.1663% | 5,358 |
| Noncurrent loans to loans | 0.2368% | 4,982 |
| Net loans and leases to total assets | 69.0905% | 2,380 |
| Net loans and leases to deposits | 75.9725% | 3,201 |
| Net loans and leases to core deposits | 79.2507% | 3,383 |
| Total domestic deposits to total assets | 90.9414% | 388 |
| Equity capital to assets | 8.8587% | 5,422 |
| Core capital (leverage) ratio | 9.0119% | 4,981 |
| Tier 1 risk-based capital ratio | 13.6554% | 4,321 |
| Total risk-based capital ratio | 14.9126% | 4,254 |
| Memoranda: | ||
| Average total assets | $434,754,200 | 1,533 |
| Average earning assets | $410,055,600 | 1,494 |
| Average equity | $39,402,600 | 1,795 |
| Average total loans | $296,358,200 | 1,442 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3182% | 5,734 |
| Cost of funding earning assets | 0.1538% | 6,164 |
| Net interest margin | 3.1643% | 5,081 |
| Noninterest income to average assets | 0.0677% | 6,334 |
| Noninterest expense to average assets | 2.2389% | 5,255 |
| Loan and lease loss provision to assets | 0.1638% | 1,513 |
| Net operating income to assets | 0.3836% | 5,307 |
| Return on assets (ROA) | 0.4160% | 5,263 |
| Pretax return on assets | 0.7069% | 4,686 |
| Return on Equity (ROE) | 4.5621% | 4,932 |
| Retained earnings to average equity (ytd only) | 4.5621% | 3,397 |
| Net charge-offs to loans | -0.0217% | 5,636 |
| Credit loss provision to net charge-offs | -1,117.0213% | 5,886 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1891% | 2,959 |
| Assets per employee ($millions) | 7.0414% | 792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6287% | 2,204 |
| Loan loss allowance to noncurrent loans | 671.3010% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.1767% | 5,496 |
| Noncurrent loans to loans | 0.2426% | 5,170 |
| Net loans and leases to total assets | 71.6561% | 1,915 |
| Net loans and leases to deposits | 80.5813% | 2,606 |
| Net loans and leases to core deposits | 84.0932% | 2,870 |
| Total domestic deposits to total assets | 88.9240% | 1,282 |
| Equity capital to assets | 9.0794% | 5,265 |
| Core capital (leverage) ratio | 8.9931% | 5,079 |
| Tier 1 risk-based capital ratio | 13.5004% | 4,540 |
| Total risk-based capital ratio | 14.7571% | 4,475 |
| Memoranda: | ||
| Average total assets | $427,227,000 | 1,567 |
| Average earning assets | $403,868,500 | 1,524 |
| Average equity | $38,958,000 | 1,822 |
| Average total loans | $288,822,500 | 1,492 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3041% | 5,784 |
| Cost of funding earning assets | 0.1554% | 6,236 |
| Net interest margin | 3.1488% | 5,097 |
| Noninterest income to average assets | 0.0716% | 6,374 |
| Noninterest expense to average assets | 2.2354% | 5,325 |
| Loan and lease loss provision to assets | 0.1304% | 1,894 |
| Net operating income to assets | 0.3953% | 5,241 |
| Return on assets (ROA) | 0.4092% | 5,265 |
| Pretax return on assets | 0.6871% | 4,686 |
| Return on Equity (ROE) | 4.4810% | 4,929 |
| Retained earnings to average equity (ytd only) | 4.4810% | 3,324 |
| Net charge-offs to loans | -0.0252% | 5,616 |
| Credit loss provision to net charge-offs | -785.7143% | 5,676 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7484% | 3,019 |
| Assets per employee ($millions) | 7.4387% | 651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6671% | 2,242 |
| Loan loss allowance to noncurrent loans | 624.3446% | 755 |
| Noncurrent assets plus other real estate owned to assets | 0.1765% | 5,615 |
| Noncurrent loans to loans | 0.2670% | 5,217 |
| Net loans and leases to total assets | 65.0082% | 2,906 |
| Net loans and leases to deposits | 71.3322% | 3,664 |
| Net loans and leases to core deposits | 73.1742% | 3,935 |
| Total domestic deposits to total assets | 91.1345% | 367 |
| Equity capital to assets | 8.6872% | 5,623 |
| Core capital (leverage) ratio | 9.1376% | 4,832 |
| Tier 1 risk-based capital ratio | 13.4317% | 4,627 |
| Total risk-based capital ratio | 14.6878% | 4,567 |
| Memoranda: | ||
| Average total assets | $421,766,330 | 1,582 |
| Average earning assets | $396,410,670 | 1,549 |
| Average equity | $38,518,330 | 1,833 |
| Average total loans | $277,384,670 | 1,539 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3553% | 5,740 |
| Cost of funding earning assets | 0.1561% | 6,321 |
| Net interest margin | 3.1991% | 4,921 |
| Noninterest income to average assets | 0.0720% | 6,418 |
| Noninterest expense to average assets | 2.2988% | 5,196 |
| Loan and lease loss provision to assets | 0.1183% | 2,002 |
| Net operating income to assets | 0.4022% | 5,106 |
| Return on assets (ROA) | 0.4022% | 5,173 |
| Pretax return on assets | 0.6644% | 4,620 |
| Return on Equity (ROE) | 4.2871% | 4,890 |
| Retained earnings to average equity (ytd only) | 4.2871% | 3,554 |
| Net charge-offs to loans | -0.0346% | 5,642 |
| Credit loss provision to net charge-offs | -521.7391% | 5,202 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6001% | 3,031 |
| Assets per employee ($millions) | 6.9586% | 818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7474% | 2,205 |
| Loan loss allowance to noncurrent loans | 590.9535% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.1927% | 5,645 |
| Noncurrent loans to loans | 0.2957% | 5,232 |
| Net loans and leases to total assets | 64.0338% | 2,884 |
| Net loans and leases to deposits | 70.5868% | 3,527 |
| Net loans and leases to core deposits | 72.5480% | 3,814 |
| Total domestic deposits to total assets | 90.7165% | 681 |
| Equity capital to assets | 9.0451% | 5,064 |
| Core capital (leverage) ratio | 9.4637% | 4,333 |
| Tier 1 risk-based capital ratio | 13.9878% | 4,343 |
| Total risk-based capital ratio | 15.2447% | 4,277 |
| Memoranda: | ||
| Average total assets | $405,769,000 | 1,649 |
| Average earning assets | $381,730,000 | 1,614 |
| Average equity | $38,068,000 | 1,848 |
| Average total loans | $266,085,500 | 1,605 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8546% | 4,623 |
| Cost of funding earning assets | 0.1758% | 6,414 |
| Net interest margin | 3.6788% | 3,137 |
| Noninterest income to average assets | 0.0853% | 6,441 |
| Noninterest expense to average assets | 2.5190% | 4,706 |
| Loan and lease loss provision to assets | 0.2412% | 1,496 |
| Net operating income to assets | 0.4702% | 4,870 |
| Return on assets (ROA) | 0.4702% | 5,004 |
| Pretax return on assets | 0.7967% | 4,157 |
| Return on Equity (ROE) | 4.7716% | 4,733 |
| Retained earnings to average equity (ytd only) | 4.7716% | 2,751 |
| Net charge-offs to loans | 0.1969% | 2,889 |
| Credit loss provision to net charge-offs | 176.7821% | 1,294 |
| Earnings coverage of net charge-offs (x) | 7.6069% | 2,803 |
| Efficiency ratio | 70.8203% | 3,696 |
| Assets per employee ($millions) | 6.6735% | 907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8358% | 1,956 |
| Loan loss allowance to noncurrent loans | 562.4700% | 865 |
| Noncurrent assets plus other real estate owned to assets | 0.2155% | 5,634 |
| Noncurrent loans to loans | 0.3264% | 5,205 |
| Net loans and leases to total assets | 64.8056% | 2,903 |
| Net loans and leases to deposits | 72.0026% | 3,520 |
| Net loans and leases to core deposits | 74.2204% | 3,817 |
| Total domestic deposits to total assets | 90.0045% | 1,075 |
| Equity capital to assets | 9.7508% | 4,102 |
| Core capital (leverage) ratio | 10.0427% | 3,506 |
| Tier 1 risk-based capital ratio | 14.3763% | 4,030 |
| Total risk-based capital ratio | 15.6335% | 3,972 |
| Memoranda: | ||
| Average total assets | $359,868,200 | 1,801 |
| Average earning assets | $339,598,200 | 1,752 |
| Average equity | $35,460,000 | 1,944 |
| Average total loans | $249,362,000 | 1,667 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9059% | 4,480 |
| Cost of funding earning assets | 0.1853% | 6,474 |
| Net interest margin | 3.7206% | 2,952 |
| Noninterest income to average assets | 0.0906% | 6,505 |
| Noninterest expense to average assets | 2.5887% | 4,430 |
| Loan and lease loss provision to assets | 0.3278% | 1,010 |
| Net operating income to assets | 0.4071% | 5,225 |
| Return on assets (ROA) | 0.4071% | 5,358 |
| Pretax return on assets | 0.6918% | 4,715 |
| Return on Equity (ROE) | 4.1196% | 5,164 |
| Retained earnings to average equity (ytd only) | 4.1196% | 3,750 |
| Net charge-offs to loans | 0.2669% | 2,215 |
| Credit loss provision to net charge-offs | 175.0000% | 1,371 |
| Earnings coverage of net charge-offs (x) | 5.4435% | 3,188 |
| Efficiency ratio | 71.7425% | 3,450 |
| Assets per employee ($millions) | 6.0344% | 1,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8679% | 2,092 |
| Loan loss allowance to noncurrent loans | 546.1538% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.2331% | 5,746 |
| Noncurrent loans to loans | 0.3420% | 5,362 |
| Net loans and leases to total assets | 66.8815% | 2,487 |
| Net loans and leases to deposits | 75.9994% | 2,966 |
| Net loans and leases to core deposits | 78.5229% | 3,295 |
| Total domestic deposits to total assets | 88.0026% | 2,129 |
| Equity capital to assets | 9.8273% | 4,141 |
| Core capital (leverage) ratio | 9.8788% | 3,848 |
| Tier 1 risk-based capital ratio | 13.7801% | 4,582 |
| Total risk-based capital ratio | 15.0372% | 4,532 |
| Memoranda: | ||
| Average total assets | $353,069,250 | 1,846 |
| Average earning assets | $333,807,500 | 1,791 |
| Average equity | $34,889,500 | 1,993 |
| Average total loans | $247,820,000 | 1,672 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9062% | 4,452 |
| Cost of funding earning assets | 0.1910% | 6,519 |
| Net interest margin | 3.7152% | 2,898 |
| Noninterest income to average assets | 0.0804% | 6,587 |
| Noninterest expense to average assets | 2.5392% | 4,596 |
| Loan and lease loss provision to assets | 0.4476% | 650 |
| Net operating income to assets | 0.3574% | 5,377 |
| Return on assets (ROA) | 0.3574% | 5,555 |
| Pretax return on assets | 0.6148% | 4,970 |
| Return on Equity (ROE) | 3.6098% | 5,378 |
| Retained earnings to average equity (ytd only) | 3.6098% | 4,017 |
| Net charge-offs to loans | 0.4052% | 1,599 |
| Credit loss provision to net charge-offs | 155.8000% | 1,483 |
| Earnings coverage of net charge-offs (x) | 3.6980% | 3,332 |
| Efficiency ratio | 70.5010% | 3,737 |
| Assets per employee ($millions) | 6.2632% | 1,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8142% | 2,393 |
| Loan loss allowance to noncurrent loans | 517.7001% | 841 |
| Noncurrent assets plus other real estate owned to assets | 0.2400% | 5,768 |
| Noncurrent loans to loans | 0.3504% | 5,413 |
| Net loans and leases to total assets | 67.2558% | 2,372 |
| Net loans and leases to deposits | 74.4832% | 3,077 |
| Net loans and leases to core deposits | 76.8818% | 3,441 |
| Total domestic deposits to total assets | 90.2965% | 863 |
| Equity capital to assets | 9.4929% | 4,592 |
| Core capital (leverage) ratio | 9.7935% | 3,804 |
| Tier 1 risk-based capital ratio | 13.6430% | 4,679 |
| Total risk-based capital ratio | 14.9023% | 4,637 |
| Memoranda: | ||
| Average total assets | $348,060,330 | 1,874 |
| Average earning assets | $329,884,000 | 1,810 |
| Average equity | $34,461,330 | 2,017 |
| Average total loans | $246,802,000 | 1,679 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9546% | 4,283 |
| Cost of funding earning assets | 0.1985% | 6,580 |
| Net interest margin | 3.7561% | 2,628 |
| Noninterest income to average assets | 0.0747% | 6,659 |
| Noninterest expense to average assets | 2.5601% | 4,529 |
| Loan and lease loss provision to assets | 0.5455% | 486 |
| Net operating income to assets | 0.3119% | 5,530 |
| Return on assets (ROA) | 0.3119% | 5,656 |
| Pretax return on assets | 0.5360% | 5,156 |
| Return on Equity (ROE) | 3.0803% | 5,558 |
| Retained earnings to average equity (ytd only) | 3.0803% | 4,435 |
| Net charge-offs to loans | 0.8209% | 735 |
| Credit loss provision to net charge-offs | 92.0000% | 1,988 |
| Earnings coverage of net charge-offs (x) | 1.8240% | 3,233 |
| Efficiency ratio | 70.3028% | 3,921 |
| Assets per employee ($millions) | 5.9535% | 1,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7514% | 2,804 |
| Loan loss allowance to noncurrent loans | 468.1271% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.2644% | 5,771 |
| Noncurrent loans to loans | 0.3741% | 5,469 |
| Net loans and leases to total assets | 69.4336% | 1,765 |
| Net loans and leases to deposits | 77.3777% | 2,436 |
| Net loans and leases to core deposits | 80.2918% | 2,777 |
| Total domestic deposits to total assets | 89.7334% | 1,202 |
| Equity capital to assets | 9.9344% | 4,234 |
| Core capital (leverage) ratio | 10.1556% | 3,208 |
| Tier 1 risk-based capital ratio | 13.8197% | 4,637 |
| Total risk-based capital ratio | 15.0764% | 4,593 |
| Memoranda: | ||
| Average total assets | $337,326,500 | 1,947 |
| Average earning assets | $320,333,500 | 1,895 |
| Average equity | $34,152,500 | 2,066 |
| Average total loans | $243,642,500 | 1,707 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3698% | 3,946 |
| Cost of funding earning assets | 0.2857% | 6,520 |
| Net interest margin | 4.0841% | 2,065 |
| Noninterest income to average assets | 0.3000% | 5,316 |
| Noninterest expense to average assets | 2.8778% | 3,725 |
| Loan and lease loss provision to assets | 0.3280% | 2,071 |
| Net operating income to assets | 0.5960% | 4,259 |
| Return on assets (ROA) | 0.5960% | 4,516 |
| Pretax return on assets | 0.9808% | 3,615 |
| Return on Equity (ROE) | 5.5125% | 4,420 |
| Retained earnings to average equity (ytd only) | 5.5125% | 2,375 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7372% | 4,011 |
| Assets per employee ($millions) | 5.7781% | 1,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7739% | 2,671 |
| Loan loss allowance to noncurrent loans | 299.2372% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 0.4378% | 5,395 |
| Noncurrent loans to loans | 0.5928% | 5,046 |
| Net loans and leases to total assets | 72.5489% | 1,414 |
| Net loans and leases to deposits | 81.0914% | 2,133 |
| Net loans and leases to core deposits | 84.5084% | 2,489 |
| Total domestic deposits to total assets | 89.4656% | 1,267 |
| Equity capital to assets | 10.3237% | 3,726 |
| Core capital (leverage) ratio | 10.6739% | 2,573 |
| Tier 1 risk-based capital ratio | 13.8664% | 4,481 |
| Total risk-based capital ratio | 15.1234% | 4,432 |
| Memoranda: | ||
| Average total assets | $303,007,200 | 2,120 |
| Average earning assets | $288,364,800 | 2,054 |
| Average equity | $32,762,000 | 2,108 |
| Average total loans | $221,546,800 | 1,826 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4071% | 4,016 |
| Cost of funding earning assets | 0.3019% | 6,609 |
| Net interest margin | 4.1052% | 2,072 |
| Noninterest income to average assets | 0.0553% | 6,785 |
| Noninterest expense to average assets | 2.8949% | 3,618 |
| Loan and lease loss provision to assets | 0.2528% | 2,546 |
| Net operating income to assets | 0.4759% | 4,925 |
| Return on assets (ROA) | 0.4759% | 5,192 |
| Pretax return on assets | 0.8227% | 4,407 |
| Return on Equity (ROE) | 4.3468% | 5,126 |
| Retained earnings to average equity (ytd only) | 4.3468% | 3,832 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9127% | 3,162 |
| Assets per employee ($millions) | 5.2188% | 1,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6584% | 3,296 |
| Loan loss allowance to noncurrent loans | 404.7967% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.3168% | 5,902 |
| Noncurrent loans to loans | 0.4097% | 5,632 |
| Net loans and leases to total assets | 76.0520% | 967 |
| Net loans and leases to deposits | 85.7235% | 1,633 |
| Net loans and leases to core deposits | 91.6887% | 1,811 |
| Total domestic deposits to total assets | 88.7178% | 1,587 |
| Equity capital to assets | 10.9799% | 3,303 |
| Core capital (leverage) ratio | 10.8053% | 2,593 |
| Tier 1 risk-based capital ratio | 14.2142% | 4,372 |
| Total risk-based capital ratio | 15.4654% | 4,342 |
| Memoranda: | ||
| Average total assets | $296,421,750 | 2,180 |
| Average earning assets | $282,690,000 | 2,109 |
| Average equity | $32,452,250 | 2,140 |
| Average total loans | $216,120,000 | 1,884 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2863% | 4,623 |
| Cost of funding earning assets | 0.3070% | 6,708 |
| Net interest margin | 3.9793% | 2,592 |
| Noninterest income to average assets | 0.0516% | 6,849 |
| Noninterest expense to average assets | 2.9395% | 3,478 |
| Loan and lease loss provision to assets | 0.3153% | 2,090 |
| Net operating income to assets | 0.3520% | 5,420 |
| Return on assets (ROA) | 0.3520% | 5,646 |
| Pretax return on assets | 0.6102% | 5,103 |
| Return on Equity (ROE) | 3.2183% | 5,599 |
| Retained earnings to average equity (ytd only) | 3.2183% | 4,471 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0549% | 2,735 |
| Assets per employee ($millions) | 5.5185% | 1,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6609% | 3,386 |
| Loan loss allowance to noncurrent loans | 483.2695% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.2580% | 6,128 |
| Noncurrent loans to loans | 0.3437% | 5,861 |
| Net loans and leases to total assets | 73.8178% | 1,278 |
| Net loans and leases to deposits | 82.9278% | 1,992 |
| Net loans and leases to core deposits | 88.6607% | 2,131 |
| Total domestic deposits to total assets | 89.0145% | 1,496 |
| Equity capital to assets | 10.7282% | 3,424 |
| Core capital (leverage) ratio | 10.8409% | 2,443 |
| Tier 1 risk-based capital ratio | 14.3763% | 4,193 |
| Total risk-based capital ratio | 15.6291% | 4,152 |
| Memoranda: | ||
| Average total assets | $294,332,670 | 2,195 |
| Average earning assets | $282,058,670 | 2,112 |
| Average equity | $32,191,330 | 2,142 |
| Average total loans | $210,132,330 | 1,942 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2162% | 5,048 |
| Cost of funding earning assets | 0.3013% | 6,836 |
| Net interest margin | 3.9150% | 2,861 |
| Noninterest income to average assets | 0.0525% | 6,920 |
| Noninterest expense to average assets | 3.0041% | 3,229 |
| Loan and lease loss provision to assets | 0.0552% | 4,715 |
| Net operating income to assets | 0.4280% | 5,133 |
| Return on assets (ROA) | 0.4280% | 5,321 |
| Pretax return on assets | 0.7427% | 4,637 |
| Return on Equity (ROE) | 3.8743% | 5,349 |
| Retained earnings to average equity (ytd only) | 3.8743% | 4,267 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0123% | 2,350 |
| Assets per employee ($millions) | 5.7091% | 1,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6635% | 3,487 |
| Loan loss allowance to noncurrent loans | 994.0828% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.1161% | 6,595 |
| Noncurrent loans to loans | 0.1673% | 6,345 |
| Net loans and leases to total assets | 68.2161% | 2,069 |
| Net loans and leases to deposits | 76.8365% | 2,696 |
| Net loans and leases to core deposits | 82.4392% | 2,766 |
| Total domestic deposits to total assets | 88.7809% | 1,827 |
| Equity capital to assets | 11.0584% | 2,839 |
| Core capital (leverage) ratio | 11.3895% | 1,973 |
| Tier 1 risk-based capital ratio | 16.0765% | 3,135 |
| Total risk-based capital ratio | 17.3328% | 3,097 |
| Memoranda: | ||
| Average total assets | $289,739,500 | 2,244 |
| Average earning assets | $277,498,500 | 2,144 |
| Average equity | $32,006,000 | 2,153 |
| Average total loans | $201,281,000 | 2,026 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8664% | 3,515 |
| Cost of funding earning assets | 0.4277% | 6,809 |
| Net interest margin | 4.4387% | 1,292 |
| Noninterest income to average assets | 0.0603% | 6,796 |
| Noninterest expense to average assets | 3.0807% | 3,266 |
| Loan and lease loss provision to assets | 0.2766% | 3,454 |
| Net operating income to assets | 1.3057% | 1,233 |
| Return on assets (ROA) | 1.3057% | 1,340 |
| Pretax return on assets | 0.9334% | 3,499 |
| Return on Equity (ROE) | 10.3231% | 1,947 |
| Retained earnings to average equity (ytd only) | 10.3231% | 508 |
| Net charge-offs to loans | 0.0358% | 5,957 |
| Credit loss provision to net charge-offs | 977.9412% | 236 |
| Earnings coverage of net charge-offs (x) | 42.7794% | 637 |
| Efficiency ratio | 71.7984% | 3,616 |
| Assets per employee ($millions) | 5.4399% | 1,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6552% | 3,356 |
| Loan loss allowance to noncurrent loans | 965.1163% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.1193% | 6,660 |
| Noncurrent loans to loans | 0.1715% | 6,407 |
| Net loans and leases to total assets | 68.4187% | 2,318 |
| Net loans and leases to deposits | 77.1812% | 2,973 |
| Net loans and leases to core deposits | 84.4711% | 2,820 |
| Total domestic deposits to total assets | 88.6468% | 1,755 |
| Equity capital to assets | 11.0344% | 2,949 |
| Core capital (leverage) ratio | 12.6060% | 1,305 |
| Tier 1 risk-based capital ratio | 15.8471% | 3,131 |
| Total risk-based capital ratio | 17.1027% | 3,089 |
| Memoranda: | ||
| Average total assets | $240,400,400 | 2,629 |
| Average earning assets | $229,123,000 | 2,515 |
| Average equity | $30,407,600 | 2,162 |
| Average total loans | $190,156,000 | 2,129 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0271% | 2,954 |
| Cost of funding earning assets | 0.4759% | 6,793 |
| Net interest margin | 4.5513% | 1,038 |
| Noninterest income to average assets | 0.0595% | 6,921 |
| Noninterest expense to average assets | 3.0697% | 3,284 |
| Loan and lease loss provision to assets | 0.2738% | 3,317 |
| Net operating income to assets | 1.6822% | 664 |
| Return on assets (ROA) | 1.6822% | 725 |
| Pretax return on assets | 1.0536% | 3,194 |
| Return on Equity (ROE) | 12.7847% | 1,336 |
| Retained earnings to average equity (ytd only) | 12.7847% | 404 |
| Net charge-offs to loans | 0.0483% | 5,505 |
| Credit loss provision to net charge-offs | 689.7059% | 390 |
| Earnings coverage of net charge-offs (x) | 33.4428% | 868 |
| Efficiency ratio | 69.8128% | 3,984 |
| Assets per employee ($millions) | 4.6222% | 2,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5574% | 3,858 |
| Loan loss allowance to noncurrent loans | 1,249.6000% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.1061% | 6,794 |
| Noncurrent loans to loans | 0.1246% | 6,624 |
| Net loans and leases to total assets | 83.7697% | 237 |
| Net loans and leases to deposits | 97.0827% | 632 |
| Net loans and leases to core deposits | 108.8792% | 730 |
| Total domestic deposits to total assets | 86.2870% | 3,045 |
| Equity capital to assets | 13.3724% | 1,427 |
| Core capital (leverage) ratio | 13.3111% | 1,105 |
| Tier 1 risk-based capital ratio | 15.7154% | 3,269 |
| Total risk-based capital ratio | 16.9700% | 3,230 |
| Memoranda: | ||
| Average total assets | $228,421,500 | 2,748 |
| Average earning assets | $217,692,750 | 2,655 |
| Average equity | $30,056,000 | 2,195 |
| Average total loans | $187,549,500 | 2,172 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9787% | 3,258 |
| Cost of funding earning assets | 0.4866% | 6,885 |
| Net interest margin | 4.4921% | 1,150 |
| Noninterest income to average assets | 0.0628% | 6,988 |
| Noninterest expense to average assets | 2.9241% | 3,924 |
| Loan and lease loss provision to assets | 0.3248% | 2,842 |
| Net operating income to assets | 2.2736% | 231 |
| Return on assets (ROA) | 2.2736% | 246 |
| Pretax return on assets | 1.1116% | 2,806 |
| Return on Equity (ROE) | 17.3775% | 518 |
| Retained earnings to average equity (ytd only) | 17.3775% | 151 |
| Net charge-offs to loans | 0.0742% | 4,903 |
| Credit loss provision to net charge-offs | 539.7059% | 571 |
| Earnings coverage of net charge-offs (x) | 23.8676% | 1,077 |
| Efficiency ratio | 67.0591% | 4,692 |
| Assets per employee ($millions) | 4.8767% | 2,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5948% | 3,707 |
| Loan loss allowance to noncurrent loans | 676.0626% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.1950% | 6,617 |
| Noncurrent loans to loans | 0.2359% | 6,447 |
| Net loans and leases to total assets | 81.3528% | 421 |
| Net loans and leases to deposits | 94.5850% | 831 |
| Net loans and leases to core deposits | 106.4870% | 898 |
| Total domestic deposits to total assets | 86.0102% | 3,323 |
| Equity capital to assets | 13.5827% | 1,252 |
| Core capital (leverage) ratio | 13.5411% | 985 |
| Tier 1 risk-based capital ratio | 16.2243% | 2,873 |
| Total risk-based capital ratio | 17.4790% | 2,838 |
| Memoranda: | ||
| Average total assets | $225,984,670 | 2,792 |
| Average earning assets | $216,203,000 | 2,689 |
| Average equity | $29,567,000 | 2,208 |
| Average total loans | $183,200,670 | 2,245 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9337% | 3,390 |
| Cost of funding earning assets | 0.4705% | 7,063 |
| Net interest margin | 4.4632% | 1,145 |
| Noninterest income to average assets | 0.0481% | 7,145 |
| Noninterest expense to average assets | 2.7757% | 4,543 |
| Loan and lease loss provision to assets | 0.4867% | 1,805 |
| Net operating income to assets | 1.0643% | 1,963 |
| Return on assets (ROA) | 1.0643% | 2,014 |
| Pretax return on assets | 1.0643% | 2,888 |
| Return on Equity (ROE) | 8.2961% | 2,778 |
| Retained earnings to average equity (ytd only) | 8.2961% | 1,620 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1533% | 5,342 |
| Assets per employee ($millions) | 4.9315% | 2,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6360% | 3,585 |
| Loan loss allowance to noncurrent loans | 581.7476% | 573 |
| Noncurrent assets plus other real estate owned to assets | 0.2321% | 6,596 |
| Noncurrent loans to loans | 0.2812% | 6,428 |
| Net loans and leases to total assets | 81.1713% | 427 |
| Net loans and leases to deposits | 93.7914% | 853 |
| Net loans and leases to core deposits | 109.9760% | 727 |
| Total domestic deposits to total assets | 86.5445% | 3,208 |
| Equity capital to assets | 13.1112% | 1,334 |
| Core capital (leverage) ratio | 13.2321% | 1,046 |
| Tier 1 risk-based capital ratio | 16.2711% | 2,774 |
| Total risk-based capital ratio | 17.5281% | 2,730 |
| Memoranda: | ||
| Average total assets | $224,375,500 | 2,833 |
| Average earning assets | $215,093,500 | 2,722 |
| Average equity | $28,784,500 | 2,248 |
| Average total loans | $180,058,500 | 2,309 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7004% | 5,802 |
| Cost of funding earning assets | 0.6402% | 7,031 |
| Net interest margin | 4.0602% | 2,750 |
| Noninterest income to average assets | 0.0573% | 7,075 |
| Noninterest expense to average assets | 3.0866% | 3,519 |
| Loan and lease loss provision to assets | 0.3172% | 4,270 |
| Net operating income to assets | 0.4971% | 4,110 |
| Return on assets (ROA) | 0.4971% | 4,267 |
| Pretax return on assets | 0.5702% | 4,417 |
| Return on Equity (ROE) | 3.6169% | 4,690 |
| Retained earnings to average equity (ytd only) | 3.6169% | 3,330 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6700% | 2,766 |
| Assets per employee ($millions) | 5.1553% | 1,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5385% | 3,827 |
| 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 | 76.8249% | 1,124 |
| Net loans and leases to deposits | 88.3352% | 1,746 |
| Net loans and leases to core deposits | 97.0036% | 1,892 |
| Total domestic deposits to total assets | 86.9698% | 2,835 |
| Equity capital to assets | 12.5524% | 1,599 |
| Core capital (leverage) ratio | 13.8891% | 867 |
| Tier 1 risk-based capital ratio | 16.0879% | 2,707 |
| Total risk-based capital ratio | 17.3426% | 2,664 |
| Memoranda: | ||
| Average total assets | $202,392,800 | 3,071 |
| Average earning assets | $195,236,800 | 2,937 |
| Average equity | $27,814,000 | 2,326 |
| Average total loans | $153,698,800 | 2,707 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6311% | 6,255 |
| Cost of funding earning assets | 0.7028% | 7,054 |
| Net interest margin | 3.9282% | 3,415 |
| Noninterest income to average assets | 0.0577% | 7,237 |
| Noninterest expense to average assets | 3.1532% | 3,096 |
| Loan and lease loss provision to assets | 0.3165% | 4,048 |
| Net operating income to assets | 0.3831% | 4,822 |
| Return on assets (ROA) | 0.3831% | 5,008 |
| Pretax return on assets | 0.3845% | 5,266 |
| Return on Equity (ROE) | 2.7197% | 5,340 |
| Retained earnings to average equity (ytd only) | 2.7197% | 4,524 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8118% | 2,081 |
| Assets per employee ($millions) | 4.3926% | 3,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5474% | 3,741 |
| 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 | 83.8775% | 337 |
| Net loans and leases to deposits | 98.6845% | 747 |
| Net loans and leases to core deposits | 110.5847% | 1,006 |
| Total domestic deposits to total assets | 84.9956% | 3,621 |
| Equity capital to assets | 14.5419% | 1,010 |
| Core capital (leverage) ratio | 13.6125% | 1,025 |
| Tier 1 risk-based capital ratio | 16.8188% | 2,404 |
| Total risk-based capital ratio | 18.0735% | 2,362 |
| Memoranda: | ||
| Average total assets | $196,282,500 | 3,187 |
| Average earning assets | $189,699,750 | 3,049 |
| Average equity | $27,649,250 | 2,368 |
| Average total loans | $147,876,500 | 2,843 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4202% | 6,854 |
| Cost of funding earning assets | 0.7274% | 7,132 |
| Net interest margin | 3.6928% | 4,399 |
| Noninterest income to average assets | 0.0558% | 7,310 |
| Noninterest expense to average assets | 3.1427% | 3,130 |
| Loan and lease loss provision to assets | 0.2605% | 4,322 |
| Net operating income to assets | 0.2220% | 5,488 |
| Return on assets (ROA) | 0.2220% | 5,621 |
| Pretax return on assets | 0.2240% | 5,718 |
| Return on Equity (ROE) | 1.5929% | 5,763 |
| Retained earnings to average equity (ytd only) | 1.5929% | 5,064 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6406% | 1,636 |
| Assets per employee ($millions) | 4.8582% | 2,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5605% | 3,623 |
| 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 | 72.3136% | 2,320 |
| Net loans and leases to deposits | 84.1252% | 2,852 |
| Net loans and leases to core deposits | 94.0847% | 2,702 |
| Total domestic deposits to total assets | 85.9595% | 3,116 |
| Equity capital to assets | 13.6048% | 1,302 |
| Core capital (leverage) ratio | 13.6826% | 1,007 |
| Tier 1 risk-based capital ratio | 18.2605% | 1,880 |
| Total risk-based capital ratio | 19.5160% | 1,855 |
| Memoranda: | ||
| Average total assets | $197,284,670 | 3,203 |
| Average earning assets | $190,805,000 | 3,050 |
| Average equity | $27,497,000 | 2,376 |
| Average total loans | $142,281,000 | 2,971 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2475% | 7,209 |
| Cost of funding earning assets | 0.7444% | 7,245 |
| Net interest margin | 3.5031% | 5,144 |
| Noninterest income to average assets | 0.0454% | 7,484 |
| Noninterest expense to average assets | 3.2160% | 2,799 |
| Loan and lease loss provision to assets | 0.1918% | 4,582 |
| Net operating income to assets | 0.0330% | 6,213 |
| Return on assets (ROA) | 0.0330% | 6,329 |
| Pretax return on assets | 0.0351% | 6,291 |
| Return on Equity (ROE) | 0.2339% | 6,341 |
| Retained earnings to average equity (ytd only) | 0.2339% | 5,731 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4092% | 1,172 |
| Assets per employee ($millions) | 4.7686% | 2,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5295% | 3,754 |
| 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 | 71.5893% | 2,551 |
| Net loans and leases to deposits | 83.6701% | 2,996 |
| Net loans and leases to core deposits | 94.5371% | 2,763 |
| Total domestic deposits to total assets | 85.5614% | 3,382 |
| Equity capital to assets | 14.0432% | 1,125 |
| Core capital (leverage) ratio | 14.3457% | 886 |
| Tier 1 risk-based capital ratio | 18.8008% | 1,770 |
| Total risk-based capital ratio | 20.0548% | 1,734 |
| Memoranda: | ||
| Average total assets | $193,904,000 | 3,304 |
| Average earning assets | $188,062,000 | 3,145 |
| Average equity | $27,365,500 | 2,414 |
| Average total loans | $138,475,500 | 3,099 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7437% | 7,068 |
| Cost of funding earning assets | 1.1291% | 6,883 |
| Net interest margin | 3.6147% | 4,500 |
| Noninterest income to average assets | 0.0670% | 7,413 |
| Noninterest expense to average assets | 3.6528% | 2,022 |
| Loan and lease loss provision to assets | 0.3344% | 4,803 |
| Net operating income to assets | -0.4462% | 6,121 |
| Return on assets (ROA) | -0.4462% | 6,121 |
| Pretax return on assets | -0.4456% | 5,959 |
| Return on Equity (ROE) | -2.5993% | 5,933 |
| Retained earnings to average equity (ytd only) | -2.5993% | 5,629 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.1412% | 974 |
| Assets per employee ($millions) | 4.8074% | 2,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5436% | 3,505 |
| 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 | 69.0240% | 3,484 |
| Net loans and leases to deposits | 80.8192% | 3,834 |
| Net loans and leases to core deposits | 103.3658% | 3,644 |
| Total domestic deposits to total assets | 85.4054% | 3,357 |
| Equity capital to assets | 14.1838% | 1,111 |
| Core capital (leverage) ratio | 15.9413% | 625 |
| Tier 1 risk-based capital ratio | 20.0384% | 1,461 |
| Total risk-based capital ratio | 21.3003% | 1,416 |
| Memoranda: | ||
| Average total assets | $158,207,800 | 3,805 |
| Average earning assets | $152,074,000 | 3,675 |
| Average equity | $27,161,200 | 2,432 |
| Average total loans | $122,207,000 | 3,435 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8311% | 7,045 |
| Cost of funding earning assets | 1.2524% | 6,711 |
| Net interest margin | 3.5787% | 4,560 |
| Noninterest income to average assets | 0.0695% | 7,566 |
| Noninterest expense to average assets | 3.7678% | 1,660 |
| Loan and lease loss provision to assets | 0.4062% | 3,885 |
| Net operating income to assets | -0.6743% | 6,580 |
| Return on assets (ROA) | -0.6743% | 6,590 |
| Pretax return on assets | -0.6734% | 6,463 |
| Return on Equity (ROE) | -3.7199% | 6,311 |
| Retained earnings to average equity (ytd only) | -3.7199% | 6,064 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.6336% | 817 |
| Assets per employee ($millions) | 4.2403% | 3,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5226% | 3,313 |
| 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 | 82.7803% | 699 |
| Net loans and leases to deposits | 100.7314% | 1,041 |
| Net loans and leases to core deposits | 134.4465% | 1,183 |
| Total domestic deposits to total assets | 82.1792% | 4,598 |
| Equity capital to assets | 17.3013% | 588 |
| Core capital (leverage) ratio | 16.7214% | 588 |
| Tier 1 risk-based capital ratio | 20.3018% | 1,498 |
| Total risk-based capital ratio | 21.5561% | 1,451 |
| Memoranda: | ||
| Average total assets | $149,685,500 | 3,984 |
| Average earning assets | $143,512,000 | 3,850 |
| Average equity | $27,132,750 | 2,460 |
| Average total loans | $119,055,750 | 3,530 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6612% | 7,446 |
| Cost of funding earning assets | 1.3829% | 6,542 |
| Net interest margin | 3.2783% | 5,632 |
| Noninterest income to average assets | 0.0747% | 7,611 |
| Noninterest expense to average assets | 3.8755% | 1,526 |
| Loan and lease loss provision to assets | 0.4617% | 3,218 |
| Net operating income to assets | -1.1284% | 7,070 |
| Return on assets (ROA) | -1.1284% | 7,076 |
| Pretax return on assets | -1.1271% | 6,894 |
| Return on Equity (ROE) | -6.1263% | 6,723 |
| Retained earnings to average equity (ytd only) | -6.1263% | 6,467 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.7276% | 653 |
| Assets per employee ($millions) | 4.4359% | 2,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4959% | 3,224 |
| 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 | 78.0148% | 1,738 |
| Net loans and leases to deposits | 94.3490% | 2,037 |
| Net loans and leases to core deposits | 125.3686% | 1,920 |
| Total domestic deposits to total assets | 82.6875% | 4,387 |
| Equity capital to assets | 16.8190% | 689 |
| Core capital (leverage) ratio | 17.2831% | 579 |
| Tier 1 risk-based capital ratio | 20.6029% | 1,463 |
| Total risk-based capital ratio | 21.8565% | 1,422 |
| Memoranda: | ||
| Average total assets | $147,284,000 | 4,047 |
| Average earning assets | $140,866,000 | 3,926 |
| Average equity | $27,129,000 | 2,468 |
| Average total loans | $114,780,330 | 3,651 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5085% | 7,713 |
| Cost of funding earning assets | 1.5275% | 6,317 |
| Net interest margin | 2.9810% | 6,527 |
| Noninterest income to average assets | 0.0879% | 7,617 |
| Noninterest expense to average assets | 3.7057% | 1,644 |
| Loan and lease loss provision to assets | 0.4678% | 2,604 |
| Net operating income to assets | -1.2277% | 7,379 |
| Return on assets (ROA) | -1.2277% | 7,397 |
| Pretax return on assets | -1.2248% | 7,265 |
| Return on Equity (ROE) | -6.3527% | 7,094 |
| Retained earnings to average equity (ytd only) | -6.3527% | 6,729 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.6731% | 554 |
| Assets per employee ($millions) | 4.1866% | 3,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5002% | 2,989 |
| 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 | 74.7965% | 2,556 |
| Net loans and leases to deposits | 91.6952% | 2,649 |
| Net loans and leases to core deposits | 124.3640% | 2,054 |
| Total domestic deposits to total assets | 81.5708% | 4,719 |
| Equity capital to assets | 18.0079% | 602 |
| Core capital (leverage) ratio | 18.5558% | 491 |
| Tier 1 risk-based capital ratio | 22.2620% | 1,271 |
| Total risk-based capital ratio | 23.5154% | 1,235 |
| Memoranda: | ||
| Average total assets | $141,079,000 | 4,166 |
| Average earning assets | $135,389,000 | 4,044 |
| Average equity | $27,264,000 | 2,471 |
| Average total loans | $108,932,000 | 3,815 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3353% | 7,560 |
| Cost of funding earning assets | 1.5591% | 7,520 |
| Net interest margin | 3.7763% | 4,118 |
| Noninterest income to average assets | 0.0645% | 7,825 |
| Noninterest expense to average assets | 4.7907% | 718 |
| Loan and lease loss provision to assets | 0.9407% | 1,573 |
| Net operating income to assets | -2.0770% | 7,616 |
| Return on assets (ROA) | -2.0770% | 7,580 |
| Pretax return on assets | -2.0760% | 7,459 |
| Return on Equity (ROE) | -7.5663% | 7,101 |
| Retained earnings to average equity (ytd only) | -7.5663% | 6,845 |
| Net charge-offs to loans | 0.0040% | 6,939 |
| Credit loss provision to net charge-offs | 32,066.6667% | 14 |
| Earnings coverage of net charge-offs (x) | -387.0000% | 7,028 |
| Efficiency ratio | 131.0594% | 456 |
| Assets per employee ($millions) | 3.9831% | 3,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5007% | 2,688 |
| 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% | 7,569 |
| Net loans and leases to total assets | 77.4979% | 2,264 |
| Net loans and leases to deposits | 98.4983% | 2,052 |
| Net loans and leases to core deposits | 132.2497% | 1,706 |
| Total domestic deposits to total assets | 78.6794% | 5,490 |
| Equity capital to assets | 20.8360% | 415 |
| Core capital (leverage) ratio | 22.2303% | 329 |
| Tier 1 risk-based capital ratio | 25.0073% | 987 |
| Total risk-based capital ratio | 26.2623% | 970 |
| Memoranda: | ||
| Average total assets | $102,261,600 | 4,984 |
| Average earning assets | $97,238,600 | 4,881 |
| Average equity | $28,071,800 | 2,405 |
| Average total loans | $74,433,400 | 4,719 |