Home > American Federal Bank > Performance and Condition Ratios
American Federal 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 | 5.0602% | 1,952 |
| Cost of funding earning assets | 1.3482% | 2,366 |
| Net interest margin | 3.7120% | 1,742 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 3.0439% | 1,056 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9575% | 2,343 |
| Return on assets (ROA) | 0.9621% | 2,321 |
| Pretax return on assets | 0.9628% | 2,773 |
| Return on Equity (ROE) | 11.2800% | 2,153 |
| Retained earnings to average equity (ytd only) | 3.0847% | 3,249 |
| Net charge-offs to loans | -0.1130% | 4,508 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 76.0576% | 1,238 |
| Assets per employee ($millions) | 5.8407% | 2,953 |
| Cash dividends to net income (ytd only)* | 72.6533% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9825% | 3,399 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 84.9300% | 214 |
| Net loans and leases to deposits | 104.4612% | 342 |
| Net loans and leases to core deposits | 114.8525% | 789 |
| Total domestic deposits to total assets | 81.3000% | 3,257 |
| Equity capital to assets | 8.0091% | 3,408 |
| Core capital (leverage) ratio | 8.4020% | 4,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5145% | 2,404 |
| Memoranda: | ||
| Average total assets | $715,290,800 | 1,283 |
| Average earning assets | $672,819,400 | 1,276 |
| Average equity | $61,011,600 | 1,379 |
| Average total loans | $601,005,600 | 1,090 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1106% | 1,614 |
| Cost of funding earning assets | 1.1816% | 2,487 |
| Net interest margin | 3.9290% | 1,346 |
| Noninterest income to average assets | 0.5400% | 1,768 |
| Noninterest expense to average assets | 3.1230% | 902 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1138% | 2,009 |
| Return on assets (ROA) | 1.1167% | 1,985 |
| Pretax return on assets | 1.1172% | 2,518 |
| Return on Equity (ROE) | 12.8800% | 1,922 |
| Retained earnings to average equity (ytd only) | 12.8838% | 835 |
| Net charge-offs to loans | -0.0007% | 3,451 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 73.7008% | 1,387 |
| Assets per employee ($millions) | 5.7739% | 2,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9021% | 3,726 |
| Loan loss allowance to noncurrent loans | 1,392.1182% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.0549% | 3,258 |
| Noncurrent loans to loans | 0.0648% | 3,291 |
| Net loans and leases to total assets | 84.0100% | 281 |
| Net loans and leases to deposits | 107.8187% | 251 |
| Net loans and leases to core deposits | 117.8955% | 610 |
| Total domestic deposits to total assets | 77.9200% | 3,828 |
| Equity capital to assets | 8.5857% | 2,672 |
| Core capital (leverage) ratio | 9.1751% | 3,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5511% | 2,061 |
| Memoranda: | ||
| Average total assets | $707,211,250 | 1,294 |
| Average earning assets | $665,765,000 | 1,280 |
| Average equity | $61,295,250 | 1,361 |
| Average total loans | $590,949,000 | 1,097 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9257% | 1,698 |
| Cost of funding earning assets | 0.9271% | 2,842 |
| Net interest margin | 3.9986% | 1,245 |
| Noninterest income to average assets | 0.6100% | 1,422 |
| Noninterest expense to average assets | 3.1938% | 798 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1881% | 1,859 |
| Return on assets (ROA) | 1.1924% | 1,838 |
| Pretax return on assets | 1.1929% | 2,379 |
| Return on Equity (ROE) | 13.7100% | 1,742 |
| Retained earnings to average equity (ytd only) | 13.7118% | 717 |
| Net charge-offs to loans | -0.0010% | 3,442 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 72.8774% | 1,466 |
| Assets per employee ($millions) | 5.7559% | 2,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9471% | 3,636 |
| Loan loss allowance to noncurrent loans | 1,389.3827% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.0577% | 3,190 |
| Noncurrent loans to loans | 0.0682% | 3,211 |
| Net loans and leases to total assets | 83.8000% | 287 |
| Net loans and leases to deposits | 101.7955% | 439 |
| Net loans and leases to core deposits | 110.0479% | 826 |
| Total domestic deposits to total assets | 82.3300% | 3,165 |
| Equity capital to assets | 8.8383% | 2,633 |
| Core capital (leverage) ratio | 9.3749% | 3,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1234% | 1,841 |
| Memoranda: | ||
| Average total assets | $696,594,000 | 1,304 |
| Average earning assets | $657,328,000 | 1,284 |
| Average equity | $60,575,667 | 1,377 |
| Average total loans | $579,086,333 | 1,099 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7831% | 1,664 |
| Cost of funding earning assets | 0.7105% | 3,024 |
| Net interest margin | 4.0726% | 1,137 |
| Noninterest income to average assets | 0.7100% | 1,070 |
| Noninterest expense to average assets | 3.2442% | 749 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3111% | 1,642 |
| Return on assets (ROA) | 1.3168% | 1,600 |
| Pretax return on assets | 1.3168% | 2,132 |
| Return on Equity (ROE) | 15.2700% | 1,506 |
| Retained earnings to average equity (ytd only) | 15.2695% | 770 |
| Net charge-offs to loans | -0.0049% | 3,628 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.2188% | 1,610 |
| Assets per employee ($millions) | 5.5413% | 3,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9833% | 3,582 |
| Loan loss allowance to noncurrent loans | 969.0559% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 0.0846% | 2,954 |
| Noncurrent loans to loans | 0.1015% | 3,027 |
| Net loans and leases to total assets | 82.5700% | 319 |
| Net loans and leases to deposits | 93.0523% | 847 |
| Net loans and leases to core deposits | 98.1289% | 1,167 |
| Total domestic deposits to total assets | 88.7300% | 1,645 |
| Equity capital to assets | 8.9754% | 2,543 |
| Core capital (leverage) ratio | 9.1162% | 3,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3638% | 1,845 |
| Memoranda: | ||
| Average total assets | $693,782,000 | 1,321 |
| Average earning assets | $654,715,000 | 1,303 |
| Average equity | $59,831,500 | 1,396 |
| Average total loans | $571,571,000 | 1,123 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8057% | 2,259 |
| Cost of funding earning assets | 0.3148% | 2,754 |
| Net interest margin | 3.4909% | 1,956 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 2.9202% | 1,094 |
| Loan and lease loss provision to assets | -0.1100% | 4,542 |
| Net operating income to assets | 0.8702% | 3,083 |
| Return on assets (ROA) | 0.8682% | 3,020 |
| Pretax return on assets | 0.8688% | 3,434 |
| Return on Equity (ROE) | 9.7100% | 2,902 |
| Retained earnings to average equity (ytd only) | -0.0422% | 4,364 |
| Net charge-offs to loans | -0.0159% | 3,976 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 79.3101% | 766 |
| Assets per employee ($millions) | 5.8804% | 2,870 |
| Cash dividends to net income (ytd only)* | 100.4352% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8667% | 3,880 |
| Loan loss allowance to noncurrent loans | 859.9315% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.0821% | 2,975 |
| Noncurrent loans to loans | 0.1008% | 3,044 |
| Net loans and leases to total assets | 80.7300% | 523 |
| Net loans and leases to deposits | 89.0252% | 1,113 |
| Net loans and leases to core deposits | 93.3063% | 1,329 |
| Total domestic deposits to total assets | 90.6800% | 1,067 |
| Equity capital to assets | 8.2901% | 2,862 |
| Core capital (leverage) ratio | 8.8525% | 3,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2214% | 2,277 |
| Memoranda: | ||
| Average total assets | $688,106,600 | 1,323 |
| Average earning assets | $650,523,600 | 1,304 |
| Average equity | $61,545,200 | 1,377 |
| Average total loans | $529,708,200 | 1,130 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7462% | 1,902 |
| Cost of funding earning assets | 0.2397% | 2,822 |
| Net interest margin | 3.5065% | 1,647 |
| Noninterest income to average assets | 0.4100% | 2,683 |
| Noninterest expense to average assets | 3.0428% | 859 |
| Loan and lease loss provision to assets | -0.1500% | 4,632 |
| Net operating income to assets | 0.8261% | 3,154 |
| Return on assets (ROA) | 0.8237% | 3,120 |
| Pretax return on assets | 0.8243% | 3,519 |
| Return on Equity (ROE) | 9.0400% | 3,018 |
| Retained earnings to average equity (ytd only) | 9.0373% | 1,636 |
| Net charge-offs to loans | -0.0222% | 4,025 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 81.7323% | 667 |
| Assets per employee ($millions) | 5.3512% | 3,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9252% | 3,784 |
| Loan loss allowance to noncurrent loans | 829.0429% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.0899% | 3,036 |
| Noncurrent loans to loans | 0.1116% | 3,090 |
| Net loans and leases to total assets | 79.7900% | 546 |
| Net loans and leases to deposits | 88.7127% | 982 |
| Net loans and leases to core deposits | 93.3657% | 1,123 |
| Total domestic deposits to total assets | 89.9400% | 1,689 |
| Equity capital to assets | 9.4009% | 1,948 |
| Core capital (leverage) ratio | 9.5359% | 3,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0138% | 1,710 |
| Memoranda: | ||
| Average total assets | $682,251,500 | 1,340 |
| Average earning assets | $645,148,250 | 1,320 |
| Average equity | $62,185,000 | 1,376 |
| Average total loans | $517,279,250 | 1,147 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4806% | 2,192 |
| Cost of funding earning assets | 0.2266% | 2,559 |
| Net interest margin | 3.2540% | 2,045 |
| Noninterest income to average assets | 0.3910% | 2,813 |
| Noninterest expense to average assets | 3.0202% | 819 |
| Loan and lease loss provision to assets | -0.2190% | 4,687 |
| Net operating income to assets | 0.6713% | 3,412 |
| Return on assets (ROA) | 0.6675% | 3,366 |
| Pretax return on assets | 0.6681% | 3,657 |
| Return on Equity (ROE) | 7.3999% | 3,183 |
| Retained earnings to average equity (ytd only) | 7.3999% | 1,851 |
| Net charge-offs to loans | -0.0436% | 4,182 |
| Credit loss provision to net charge-offs | 675.6757% | 527 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9598% | 540 |
| Assets per employee ($millions) | 5.3806% | 3,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9937% | 3,626 |
| Loan loss allowance to noncurrent loans | 815.6704% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 0.0906% | 3,088 |
| Noncurrent loans to loans | 0.1218% | 3,118 |
| Net loans and leases to total assets | 73.6195% | 950 |
| Net loans and leases to deposits | 81.3729% | 1,285 |
| Net loans and leases to core deposits | 85.9150% | 1,343 |
| Total domestic deposits to total assets | 90.4718% | 1,484 |
| Equity capital to assets | 9.1474% | 2,286 |
| Core capital (leverage) ratio | 9.0913% | 3,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7532% | 1,495 |
| Memoranda: | ||
| Average total assets | $684,917,000 | 1,338 |
| Average earning assets | $648,738,333 | 1,330 |
| Average equity | $61,784,667 | 1,409 |
| Average total loans | $508,705,333 | 1,150 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3332% | 2,286 |
| Cost of funding earning assets | 0.2226% | 2,495 |
| Net interest margin | 3.1106% | 2,138 |
| Noninterest income to average assets | 0.3908% | 2,755 |
| Noninterest expense to average assets | 2.9074% | 943 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4264% | 3,899 |
| Return on assets (ROA) | 0.4241% | 3,869 |
| Pretax return on assets | 0.4241% | 3,996 |
| Return on Equity (ROE) | 4.7344% | 3,689 |
| Retained earnings to average equity (ytd only) | 4.7344% | 2,688 |
| Net charge-offs to loans | -0.0943% | 4,444 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2091% | 673 |
| Assets per employee ($millions) | 5.6785% | 3,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1896% | 2,909 |
| Loan loss allowance to noncurrent loans | 3,262.9213% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.0259% | 3,785 |
| Noncurrent loans to loans | 0.0365% | 3,720 |
| Net loans and leases to total assets | 70.2111% | 1,000 |
| Net loans and leases to deposits | 77.4412% | 1,330 |
| Net loans and leases to core deposits | 81.3824% | 1,392 |
| Total domestic deposits to total assets | 90.6637% | 1,206 |
| Equity capital to assets | 8.9503% | 2,754 |
| Core capital (leverage) ratio | 9.0390% | 3,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0307% | 1,506 |
| Memoranda: | ||
| Average total assets | $685,706,000 | 1,346 |
| Average earning assets | $648,740,500 | 1,329 |
| Average equity | $61,423,000 | 1,453 |
| Average total loans | $508,998,000 | 1,147 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1927% | 1,003 |
| Cost of funding earning assets | 0.3320% | 2,103 |
| Net interest margin | 3.8607% | 902 |
| Noninterest income to average assets | 0.6366% | 2,004 |
| Noninterest expense to average assets | 2.8875% | 1,180 |
| Loan and lease loss provision to assets | -0.1111% | 4,562 |
| Net operating income to assets | 1.5044% | 1,001 |
| Return on assets (ROA) | 1.5084% | 1,038 |
| Pretax return on assets | 1.5090% | 1,693 |
| Return on Equity (ROE) | 16.1032% | 740 |
| Retained earnings to average equity (ytd only) | 3.4534% | 3,431 |
| Net charge-offs to loans | -0.0005% | 3,232 |
| Credit loss provision to net charge-offs | 25,000.0000% | 29 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4427% | 2,062 |
| Assets per employee ($millions) | 5.8489% | 2,906 |
| Cash dividends to net income (ytd only)* | 78.5546% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0737% | 3,465 |
| Loan loss allowance to noncurrent loans | 3,489.5706% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.0238% | 3,888 |
| Noncurrent loans to loans | 0.0308% | 3,853 |
| Net loans and leases to total assets | 76.5849% | 478 |
| Net loans and leases to deposits | 85.2281% | 841 |
| Net loans and leases to core deposits | 89.7321% | 986 |
| Total domestic deposits to total assets | 89.8587% | 1,027 |
| Equity capital to assets | 8.9650% | 3,655 |
| Core capital (leverage) ratio | 8.7493% | 3,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6037% | 2,017 |
| Memoranda: | ||
| Average total assets | $675,148,400 | 1,318 |
| Average earning assets | $637,400,000 | 1,311 |
| Average equity | $63,242,200 | 1,452 |
| Average total loans | $563,879,000 | 1,070 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5301% | 639 |
| Cost of funding earning assets | 0.3419% | 2,190 |
| Net interest margin | 4.1882% | 557 |
| Noninterest income to average assets | 0.6644% | 1,957 |
| Noninterest expense to average assets | 2.8919% | 1,140 |
| Loan and lease loss provision to assets | -0.1486% | 4,684 |
| Net operating income to assets | 1.8724% | 586 |
| Return on assets (ROA) | 1.8763% | 604 |
| Pretax return on assets | 1.8769% | 985 |
| Return on Equity (ROE) | 19.8147% | 439 |
| Retained earnings to average equity (ytd only) | 19.8147% | 138 |
| Net charge-offs to loans | -0.0014% | 3,166 |
| Credit loss provision to net charge-offs | 12,500.0000% | 63 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6459% | 2,587 |
| Assets per employee ($millions) | 5.6073% | 3,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0278% | 3,748 |
| Loan loss allowance to noncurrent loans | 5,634.6535% | 205 |
| Noncurrent assets plus other real estate owned to assets | 0.0148% | 4,120 |
| Noncurrent loans to loans | 0.0182% | 4,065 |
| Net loans and leases to total assets | 80.1112% | 285 |
| Net loans and leases to deposits | 93.5035% | 432 |
| Net loans and leases to core deposits | 98.5852% | 640 |
| Total domestic deposits to total assets | 85.6773% | 2,881 |
| Equity capital to assets | 10.0552% | 2,849 |
| Core capital (leverage) ratio | 10.1124% | 2,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8177% | 1,681 |
| Memoranda: | ||
| Average total assets | $672,856,000 | 1,336 |
| Average earning assets | $634,871,750 | 1,325 |
| Average equity | $63,715,500 | 1,464 |
| Average total loans | $572,405,750 | 1,074 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3298% | 954 |
| Cost of funding earning assets | 0.3534% | 2,285 |
| Net interest margin | 3.9763% | 857 |
| Noninterest income to average assets | 0.6944% | 1,832 |
| Noninterest expense to average assets | 2.8276% | 1,297 |
| Loan and lease loss provision to assets | -0.2242% | 4,782 |
| Net operating income to assets | 1.8401% | 657 |
| Return on assets (ROA) | 1.8439% | 683 |
| Pretax return on assets | 1.8445% | 1,135 |
| Return on Equity (ROE) | 19.8920% | 463 |
| Retained earnings to average equity (ytd only) | 19.8920% | 160 |
| Net charge-offs to loans | -0.0024% | 3,234 |
| Credit loss provision to net charge-offs | 10,714.2857% | 53 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6266% | 2,479 |
| Assets per employee ($millions) | 5.2701% | 3,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9839% | 3,871 |
| Loan loss allowance to noncurrent loans | 5,580.3922% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.0152% | 4,187 |
| Noncurrent loans to loans | 0.0176% | 4,133 |
| Net loans and leases to total assets | 85.5889% | 92 |
| Net loans and leases to deposits | 99.3505% | 274 |
| Net loans and leases to core deposits | 104.4489% | 521 |
| Total domestic deposits to total assets | 86.1485% | 2,687 |
| Equity capital to assets | 9.7856% | 3,073 |
| Core capital (leverage) ratio | 9.7261% | 2,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2803% | 1,876 |
| Memoranda: | ||
| Average total assets | $669,109,667 | 1,335 |
| Average earning assets | $630,983,000 | 1,331 |
| Average equity | $62,025,000 | 1,485 |
| Average total loans | $578,631,667 | 1,069 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1768% | 1,241 |
| Cost of funding earning assets | 0.3689% | 2,363 |
| Net interest margin | 3.8079% | 1,121 |
| Noninterest income to average assets | 0.6834% | 1,922 |
| Noninterest expense to average assets | 2.7461% | 1,495 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5354% | 1,251 |
| Return on assets (ROA) | 1.5426% | 1,300 |
| Pretax return on assets | 1.5426% | 1,875 |
| Return on Equity (ROE) | 17.1173% | 831 |
| Retained earnings to average equity (ytd only) | 17.1173% | 416 |
| Net charge-offs to loans | -0.0041% | 3,325 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1391% | 2,447 |
| Assets per employee ($millions) | 5.3046% | 3,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1186% | 3,346 |
| Loan loss allowance to noncurrent loans | 513.6364% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 0.1876% | 3,225 |
| Noncurrent loans to loans | 0.2178% | 3,323 |
| Net loans and leases to total assets | 85.1904% | 111 |
| Net loans and leases to deposits | 98.8679% | 321 |
| Net loans and leases to core deposits | 103.7998% | 580 |
| Total domestic deposits to total assets | 86.1659% | 2,673 |
| Equity capital to assets | 9.2077% | 3,489 |
| Core capital (leverage) ratio | 9.3373% | 3,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7778% | 1,973 |
| Memoranda: | ||
| Average total assets | $669,015,500 | 1,333 |
| Average earning assets | $632,156,000 | 1,318 |
| Average equity | $60,290,000 | 1,512 |
| Average total loans | $578,679,000 | 1,067 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5018% | 1,310 |
| Cost of funding earning assets | 0.6211% | 2,173 |
| Net interest margin | 3.8807% | 1,269 |
| Noninterest income to average assets | 0.8512% | 1,393 |
| Noninterest expense to average assets | 2.7090% | 2,214 |
| Loan and lease loss provision to assets | 0.2285% | 1,707 |
| Net operating income to assets | 1.5627% | 690 |
| Return on assets (ROA) | 1.5621% | 755 |
| Pretax return on assets | 1.5627% | 1,157 |
| Return on Equity (ROE) | 17.8984% | 340 |
| Retained earnings to average equity (ytd only) | 10.3920% | 515 |
| Net charge-offs to loans | 0.1573% | 1,042 |
| Credit loss provision to net charge-offs | 167.2241% | 2,335 |
| Earnings coverage of net charge-offs (x) | 13.1115% | 2,298 |
| Efficiency ratio | 60.1889% | 3,428 |
| Assets per employee ($millions) | 5.4443% | 2,898 |
| Cash dividends to net income (ytd only)* | 41.9389% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1066% | 3,431 |
| Loan loss allowance to noncurrent loans | 5,107.1429% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.0188% | 4,304 |
| Noncurrent loans to loans | 0.0217% | 4,247 |
| Net loans and leases to total assets | 85.8785% | 101 |
| Net loans and leases to deposits | 101.0984% | 329 |
| Net loans and leases to core deposits | 107.3067% | 595 |
| Total domestic deposits to total assets | 84.9455% | 2,783 |
| Equity capital to assets | 8.8162% | 4,205 |
| Core capital (leverage) ratio | 8.7823% | 3,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9552% | 2,250 |
| Memoranda: | ||
| Average total assets | $656,376,000 | 1,247 |
| Average earning assets | $617,281,800 | 1,234 |
| Average equity | $57,284,400 | 1,495 |
| Average total loans | $570,181,600 | 1,027 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9444% | 673 |
| Cost of funding earning assets | 0.6804% | 2,141 |
| Net interest margin | 4.2641% | 634 |
| Noninterest income to average assets | 0.8679% | 1,313 |
| Noninterest expense to average assets | 2.9757% | 1,495 |
| Loan and lease loss provision to assets | 0.3063% | 1,316 |
| Net operating income to assets | 1.5943% | 737 |
| Return on assets (ROA) | 1.5925% | 816 |
| Pretax return on assets | 1.5931% | 1,205 |
| Return on Equity (ROE) | 18.2946% | 338 |
| Retained earnings to average equity (ytd only) | 18.2946% | 109 |
| Net charge-offs to loans | 0.1730% | 855 |
| Credit loss provision to net charge-offs | 203.8043% | 2,103 |
| Earnings coverage of net charge-offs (x) | 12.6522% | 2,241 |
| Efficiency ratio | 61.0165% | 3,214 |
| Assets per employee ($millions) | 5.6500% | 2,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1075% | 3,167 |
| Loan loss allowance to noncurrent loans | 2,489.0566% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.0391% | 4,260 |
| Noncurrent loans to loans | 0.0445% | 4,206 |
| Net loans and leases to total assets | 86.8721% | 113 |
| Net loans and leases to deposits | 111.4976% | 204 |
| Net loans and leases to core deposits | 120.3574% | 405 |
| Total domestic deposits to total assets | 77.9139% | 4,213 |
| Equity capital to assets | 8.9723% | 4,143 |
| Core capital (leverage) ratio | 8.8902% | 3,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2316% | 2,095 |
| Memoranda: | ||
| Average total assets | $653,056,250 | 1,231 |
| Average earning assets | $613,981,250 | 1,220 |
| Average equity | $56,846,000 | 1,496 |
| Average total loans | $567,345,750 | 1,027 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2637% | 508 |
| Cost of funding earning assets | 0.7550% | 2,083 |
| Net interest margin | 4.5087% | 492 |
| Noninterest income to average assets | 0.8397% | 1,316 |
| Noninterest expense to average assets | 2.9599% | 1,686 |
| Loan and lease loss provision to assets | 0.3102% | 1,390 |
| Net operating income to assets | 1.7998% | 501 |
| Return on assets (ROA) | 1.7970% | 553 |
| Pretax return on assets | 1.7976% | 821 |
| Return on Equity (ROE) | 20.8692% | 210 |
| Retained earnings to average equity (ytd only) | 20.8692% | 83 |
| Net charge-offs to loans | -0.0004% | 3,716 |
| Credit loss provision to net charge-offs | -100,000.0000% | 4,345 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3751% | 3,649 |
| Assets per employee ($millions) | 5.7024% | 2,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1477% | 2,789 |
| Loan loss allowance to noncurrent loans | 665.9844% | 787 |
| Noncurrent assets plus other real estate owned to assets | 0.1512% | 3,767 |
| Noncurrent loans to loans | 0.1723% | 3,760 |
| Net loans and leases to total assets | 86.7312% | 106 |
| Net loans and leases to deposits | 112.4324% | 184 |
| Net loans and leases to core deposits | 121.5742% | 388 |
| Total domestic deposits to total assets | 77.1407% | 4,303 |
| Equity capital to assets | 8.6753% | 4,369 |
| Core capital (leverage) ratio | 8.8307% | 4,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7034% | 2,310 |
| Memoranda: | ||
| Average total assets | $644,741,667 | 1,219 |
| Average earning assets | $605,010,667 | 1,217 |
| Average equity | $55,517,333 | 1,511 |
| Average total loans | $557,931,333 | 1,026 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0331% | 905 |
| Cost of funding earning assets | 0.9565% | 1,621 |
| Net interest margin | 4.0766% | 1,189 |
| Noninterest income to average assets | 0.5868% | 2,099 |
| Noninterest expense to average assets | 2.9811% | 1,929 |
| Loan and lease loss provision to assets | 0.3186% | 972 |
| Net operating income to assets | 1.0914% | 1,871 |
| Return on assets (ROA) | 1.0831% | 2,000 |
| Pretax return on assets | 1.0831% | 2,582 |
| Return on Equity (ROE) | 12.6297% | 952 |
| Retained earnings to average equity (ytd only) | 12.6297% | 358 |
| Net charge-offs to loans | -0.0007% | 3,596 |
| Credit loss provision to net charge-offs | -50,000.0000% | 4,061 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8903% | 2,690 |
| Assets per employee ($millions) | 5.1401% | 2,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1716% | 2,818 |
| Loan loss allowance to noncurrent loans | 628.2738% | 791 |
| Noncurrent assets plus other real estate owned to assets | 0.1607% | 3,856 |
| Noncurrent loans to loans | 0.1865% | 3,804 |
| Net loans and leases to total assets | 85.1867% | 190 |
| Net loans and leases to deposits | 118.6053% | 91 |
| Net loans and leases to core deposits | 131.1278% | 253 |
| Total domestic deposits to total assets | 71.8237% | 4,782 |
| Equity capital to assets | 8.7069% | 4,736 |
| Core capital (leverage) ratio | 8.7513% | 4,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9583% | 2,722 |
| Memoranda: | ||
| Average total assets | $627,821,500 | 1,220 |
| Average earning assets | $585,880,500 | 1,216 |
| Average equity | $53,841,500 | 1,549 |
| Average total loans | $539,209,500 | 1,029 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3226% | 786 |
| Cost of funding earning assets | 1.2293% | 948 |
| Net interest margin | 4.0933% | 1,561 |
| Noninterest income to average assets | 0.5268% | 2,594 |
| Noninterest expense to average assets | 2.9493% | 2,148 |
| Loan and lease loss provision to assets | 0.2078% | 967 |
| Net operating income to assets | 1.1839% | 2,121 |
| Return on assets (ROA) | 1.1852% | 2,212 |
| Pretax return on assets | 1.1859% | 2,889 |
| Return on Equity (ROE) | 13.9003% | 917 |
| Retained earnings to average equity (ytd only) | 6.2827% | 1,728 |
| Net charge-offs to loans | 0.1394% | 1,398 |
| Credit loss provision to net charge-offs | 175.3425% | 1,481 |
| Earnings coverage of net charge-offs (x) | 11.7466% | 2,469 |
| Efficiency ratio | 67.9295% | 2,472 |
| Assets per employee ($millions) | 5.2379% | 2,300 |
| Cash dividends to net income (ytd only)* | 54.8020% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0843% | 3,037 |
| Loan loss allowance to noncurrent loans | 365.6426% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 0.2538% | 3,417 |
| Noncurrent loans to loans | 0.2965% | 3,363 |
| Net loans and leases to total assets | 84.6479% | 264 |
| Net loans and leases to deposits | 111.1933% | 167 |
| Net loans and leases to core deposits | 122.8012% | 406 |
| Total domestic deposits to total assets | 76.1268% | 4,585 |
| Equity capital to assets | 8.4452% | 4,933 |
| Core capital (leverage) ratio | 8.2903% | 4,949 |
| Tier 1 risk-based capital ratio | 11.3385% | 4,714 |
| Total risk-based capital ratio | 12.5886% | 4,596 |
| Memoranda: | ||
| Average total assets | $615,837,400 | 1,199 |
| Average earning assets | $573,964,600 | 1,197 |
| Average equity | $52,509,600 | 1,532 |
| Average total loans | $523,688,000 | 1,031 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3456% | 786 |
| Cost of funding earning assets | 1.2524% | 907 |
| Net interest margin | 4.0931% | 1,633 |
| Noninterest income to average assets | 0.5177% | 2,622 |
| Noninterest expense to average assets | 2.9371% | 2,135 |
| Loan and lease loss provision to assets | 0.2786% | 547 |
| Net operating income to assets | 1.1173% | 2,503 |
| Return on assets (ROA) | 1.1190% | 2,587 |
| Pretax return on assets | 1.1197% | 3,241 |
| Return on Equity (ROE) | 13.0920% | 1,250 |
| Retained earnings to average equity (ytd only) | 13.0920% | 271 |
| Net charge-offs to loans | 0.1874% | 915 |
| Credit loss provision to net charge-offs | 175.1026% | 1,457 |
| Earnings coverage of net charge-offs (x) | 8.7784% | 2,627 |
| Efficiency ratio | 67.7748% | 2,458 |
| Assets per employee ($millions) | 5.2401% | 2,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0722% | 3,163 |
| Loan loss allowance to noncurrent loans | 348.7440% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 0.2637% | 3,505 |
| Noncurrent loans to loans | 0.3074% | 3,427 |
| Net loans and leases to total assets | 84.8511% | 267 |
| Net loans and leases to deposits | 123.6316% | 72 |
| Net loans and leases to core deposits | 138.4744% | 205 |
| Total domestic deposits to total assets | 68.6322% | 5,045 |
| Equity capital to assets | 8.6721% | 4,938 |
| Core capital (leverage) ratio | 8.7268% | 4,812 |
| Tier 1 risk-based capital ratio | 11.5124% | 4,662 |
| Total risk-based capital ratio | 12.7467% | 4,571 |
| Memoranda: | ||
| Average total assets | $612,660,250 | 1,205 |
| Average earning assets | $571,151,750 | 1,206 |
| Average equity | $52,366,500 | 1,535 |
| Average total loans | $520,139,250 | 1,038 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3109% | 799 |
| Cost of funding earning assets | 1.2597% | 848 |
| Net interest margin | 4.0512% | 1,759 |
| Noninterest income to average assets | 0.5030% | 2,657 |
| Noninterest expense to average assets | 2.9574% | 2,118 |
| Loan and lease loss provision to assets | 0.1916% | 917 |
| Net operating income to assets | 1.1263% | 2,419 |
| Return on assets (ROA) | 1.1273% | 2,489 |
| Pretax return on assets | 1.1279% | 3,149 |
| Return on Equity (ROE) | 13.2561% | 1,168 |
| Retained earnings to average equity (ytd only) | 13.2561% | 279 |
| Net charge-offs to loans | 0.0137% | 2,647 |
| Credit loss provision to net charge-offs | 1,657.1429% | 224 |
| Earnings coverage of net charge-offs (x) | 114.0571% | 629 |
| Efficiency ratio | 69.1642% | 2,356 |
| Assets per employee ($millions) | 4.9657% | 2,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1078% | 3,031 |
| Loan loss allowance to noncurrent loans | 223.6852% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 0.4231% | 2,821 |
| Noncurrent loans to loans | 0.4953% | 2,798 |
| Net loans and leases to total assets | 84.4770% | 325 |
| Net loans and leases to deposits | 119.2559% | 94 |
| Net loans and leases to core deposits | 133.9575% | 257 |
| Total domestic deposits to total assets | 70.8367% | 5,018 |
| Equity capital to assets | 8.6549% | 4,977 |
| Core capital (leverage) ratio | 8.6275% | 4,891 |
| Tier 1 risk-based capital ratio | 11.5478% | 4,660 |
| Total risk-based capital ratio | 12.7980% | 4,552 |
| Memoranda: | ||
| Average total assets | $605,527,670 | 1,217 |
| Average earning assets | $563,933,000 | 1,217 |
| Average equity | $51,493,330 | 1,552 |
| Average total loans | $512,240,330 | 1,051 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2754% | 789 |
| Cost of funding earning assets | 1.2295% | 825 |
| Net interest margin | 4.0459% | 1,698 |
| Noninterest income to average assets | 0.4437% | 2,883 |
| Noninterest expense to average assets | 2.9173% | 2,230 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2884% | 1,743 |
| Return on assets (ROA) | 1.2924% | 1,765 |
| Pretax return on assets | 1.2924% | 2,484 |
| Return on Equity (ROE) | 15.3378% | 690 |
| Retained earnings to average equity (ytd only) | 15.3378% | 257 |
| Net charge-offs to loans | 0.0285% | 1,891 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 53.7222% | 983 |
| Efficiency ratio | 69.3648% | 2,444 |
| Assets per employee ($millions) | 4.9038% | 2,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0200% | 3,582 |
| Loan loss allowance to noncurrent loans | 749.4286% | 774 |
| Noncurrent assets plus other real estate owned to assets | 0.1151% | 4,235 |
| Noncurrent loans to loans | 0.1361% | 4,127 |
| Net loans and leases to total assets | 83.7196% | 396 |
| Net loans and leases to deposits | 113.9045% | 149 |
| Net loans and leases to core deposits | 127.8444% | 339 |
| Total domestic deposits to total assets | 73.4999% | 4,968 |
| Equity capital to assets | 8.4896% | 4,994 |
| Core capital (leverage) ratio | 8.5784% | 4,958 |
| Tier 1 risk-based capital ratio | 11.5387% | 4,727 |
| Total risk-based capital ratio | 12.7213% | 4,654 |
| Memoranda: | ||
| Average total assets | $600,420,000 | 1,224 |
| Average earning assets | $558,293,500 | 1,225 |
| Average equity | $50,594,000 | 1,566 |
| Average total loans | $505,366,500 | 1,067 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0401% | 959 |
| Cost of funding earning assets | 0.8917% | 1,127 |
| Net interest margin | 4.1485% | 1,532 |
| Noninterest income to average assets | 0.5697% | 2,452 |
| Noninterest expense to average assets | 2.9889% | 2,074 |
| Loan and lease loss provision to assets | -0.2669% | 5,355 |
| Net operating income to assets | 1.7190% | 661 |
| Return on assets (ROA) | 1.7190% | 655 |
| Pretax return on assets | 1.7197% | 1,116 |
| Return on Equity (ROE) | 18.5656% | 338 |
| Retained earnings to average equity (ytd only) | 1.2720% | 4,624 |
| Net charge-offs to loans | 0.0025% | 3,650 |
| Credit loss provision to net charge-offs | -12,500.0000% | 4,977 |
| Earnings coverage of net charge-offs (x) | 680.5000% | 163 |
| Efficiency ratio | 67.2915% | 2,658 |
| Assets per employee ($millions) | 4.8989% | 2,618 |
| Cash dividends to net income (ytd only)* | 93.1484% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0640% | 3,302 |
| Loan loss allowance to noncurrent loans | 10,564.0000% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.0084% | 4,867 |
| Noncurrent loans to loans | 0.0101% | 4,761 |
| Net loans and leases to total assets | 82.8535% | 533 |
| Net loans and leases to deposits | 104.5612% | 457 |
| Net loans and leases to core deposits | 116.6628% | 665 |
| Total domestic deposits to total assets | 79.2393% | 4,260 |
| Equity capital to assets | 8.3617% | 5,008 |
| Core capital (leverage) ratio | 8.3148% | 5,108 |
| Tier 1 risk-based capital ratio | 11.5691% | 4,687 |
| Total risk-based capital ratio | 12.8133% | 4,595 |
| Memoranda: | ||
| Average total assets | $562,086,200 | 1,263 |
| Average earning assets | $524,629,400 | 1,256 |
| Average equity | $52,042,400 | 1,462 |
| Average total loans | $477,887,400 | 1,092 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9367% | 1,079 |
| Cost of funding earning assets | 0.8155% | 1,259 |
| Net interest margin | 4.1212% | 1,566 |
| Noninterest income to average assets | 0.5868% | 2,379 |
| Noninterest expense to average assets | 2.9361% | 2,206 |
| Loan and lease loss provision to assets | -0.3607% | 5,441 |
| Net operating income to assets | 1.8621% | 533 |
| Return on assets (ROA) | 1.8621% | 533 |
| Pretax return on assets | 1.8628% | 875 |
| Return on Equity (ROE) | 19.6039% | 296 |
| Retained earnings to average equity (ytd only) | 19.6039% | 60 |
| Net charge-offs to loans | 0.0017% | 3,437 |
| Credit loss provision to net charge-offs | -25,000.0000% | 4,941 |
| Earnings coverage of net charge-offs (x) | 1,040.9738% | 80 |
| Efficiency ratio | 66.1555% | 2,845 |
| Assets per employee ($millions) | 4.8518% | 2,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0633% | 3,392 |
| Loan loss allowance to noncurrent loans | 9,117.2414% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.0098% | 4,966 |
| Noncurrent loans to loans | 0.0117% | 4,865 |
| Net loans and leases to total assets | 83.1215% | 550 |
| Net loans and leases to deposits | 113.4626% | 197 |
| Net loans and leases to core deposits | 129.1338% | 349 |
| Total domestic deposits to total assets | 73.2589% | 5,040 |
| Equity capital to assets | 9.5684% | 4,020 |
| Core capital (leverage) ratio | 9.9966% | 3,641 |
| Tier 1 risk-based capital ratio | 13.1795% | 3,797 |
| Total risk-based capital ratio | 14.4207% | 3,716 |
| Memoranda: | ||
| Average total assets | $554,416,750 | 1,284 |
| Average earning assets | $518,124,000 | 1,276 |
| Average equity | $52,661,750 | 1,457 |
| Average total loans | $473,257,250 | 1,099 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8324% | 1,170 |
| Cost of funding earning assets | 0.7685% | 1,288 |
| Net interest margin | 4.0639% | 1,657 |
| Noninterest income to average assets | 0.5706% | 2,473 |
| Noninterest expense to average assets | 3.1488% | 1,665 |
| Loan and lease loss provision to assets | -0.5536% | 5,517 |
| Net operating income to assets | 1.7708% | 618 |
| Return on assets (ROA) | 1.7708% | 624 |
| Pretax return on assets | 1.7715% | 1,030 |
| Return on Equity (ROE) | 18.6923% | 361 |
| Retained earnings to average equity (ytd only) | 18.6923% | 86 |
| Net charge-offs to loans | 0.0026% | 3,106 |
| Credit loss provision to net charge-offs | -25,000.0000% | 4,849 |
| Earnings coverage of net charge-offs (x) | 550.0000% | 164 |
| Efficiency ratio | 72.1095% | 1,987 |
| Assets per employee ($millions) | 4.5894% | 2,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1095% | 3,205 |
| Loan loss allowance to noncurrent loans | 9,614.5455% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.0205% | 4,928 |
| Noncurrent loans to loans | 0.0115% | 4,899 |
| Net loans and leases to total assets | 85.5793% | 300 |
| Net loans and leases to deposits | 109.1565% | 306 |
| Net loans and leases to core deposits | 123.5070% | 473 |
| Total domestic deposits to total assets | 78.4005% | 4,524 |
| Equity capital to assets | 9.7715% | 3,852 |
| Core capital (leverage) ratio | 9.9644% | 3,614 |
| Tier 1 risk-based capital ratio | 13.1132% | 3,839 |
| Total risk-based capital ratio | 14.3679% | 3,752 |
| Memoranda: | ||
| Average total assets | $541,916,670 | 1,311 |
| Average earning assets | $506,213,000 | 1,303 |
| Average equity | $51,336,670 | 1,478 |
| Average total loans | $465,243,670 | 1,125 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7480% | 1,193 |
| Cost of funding earning assets | 0.7287% | 1,299 |
| Net interest margin | 4.0193% | 1,662 |
| Noninterest income to average assets | 0.5098% | 2,748 |
| Noninterest expense to average assets | 3.1233% | 1,758 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1341% | 2,271 |
| Return on assets (ROA) | 1.1341% | 2,286 |
| Pretax return on assets | 1.1341% | 3,031 |
| Return on Equity (ROE) | 12.1682% | 1,518 |
| Retained earnings to average equity (ytd only) | 12.1682% | 653 |
| Net charge-offs to loans | 0.0017% | 2,670 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 762.0000% | 86 |
| Efficiency ratio | 73.3613% | 1,988 |
| Assets per employee ($millions) | 4.4213% | 3,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4902% | 1,495 |
| Loan loss allowance to noncurrent loans | 12,128.5714% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.0418% | 4,904 |
| Noncurrent loans to loans | 0.0123% | 4,948 |
| Net loans and leases to total assets | 84.6231% | 374 |
| Net loans and leases to deposits | 105.3020% | 415 |
| Net loans and leases to core deposits | 121.8295% | 528 |
| Total domestic deposits to total assets | 80.3623% | 4,350 |
| Equity capital to assets | 9.5774% | 4,014 |
| Core capital (leverage) ratio | 9.4157% | 4,170 |
| Tier 1 risk-based capital ratio | 13.0696% | 3,912 |
| Total risk-based capital ratio | 14.3303% | 3,816 |
| Memoranda: | ||
| Average total assets | $537,514,000 | 1,333 |
| Average earning assets | $501,179,000 | 1,322 |
| Average equity | $50,098,000 | 1,529 |
| Average total loans | $459,569,500 | 1,139 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5674% | 1,519 |
| Cost of funding earning assets | 0.6400% | 1,357 |
| Net interest margin | 3.9274% | 2,002 |
| Noninterest income to average assets | 0.6366% | 2,262 |
| Noninterest expense to average assets | 3.0248% | 2,088 |
| Loan and lease loss provision to assets | 0.0075% | 4,117 |
| Net operating income to assets | 1.2565% | 1,339 |
| Return on assets (ROA) | 1.2565% | 1,366 |
| Pretax return on assets | 1.2572% | 2,520 |
| Return on Equity (ROE) | 13.2796% | 889 |
| Retained earnings to average equity (ytd only) | 0.4843% | 4,842 |
| Net charge-offs to loans | 0.0079% | 3,799 |
| Credit loss provision to net charge-offs | 111.1111% | 2,341 |
| Earnings coverage of net charge-offs (x) | 188.6111% | 415 |
| Efficiency ratio | 70.5167% | 2,466 |
| Assets per employee ($millions) | 4.6141% | 3,008 |
| Cash dividends to net income (ytd only)* | 96.3534% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4662% | 1,524 |
| Loan loss allowance to noncurrent loans | 2,706.7729% | 287 |
| Noncurrent assets plus other real estate owned to assets | 0.0766% | 4,736 |
| Noncurrent loans to loans | 0.0542% | 4,752 |
| Net loans and leases to total assets | 83.8574% | 463 |
| Net loans and leases to deposits | 104.9738% | 450 |
| Net loans and leases to core deposits | 120.1165% | 578 |
| Total domestic deposits to total assets | 79.8842% | 4,357 |
| Equity capital to assets | 9.0698% | 4,648 |
| Core capital (leverage) ratio | 8.9729% | 4,681 |
| Tier 1 risk-based capital ratio | 12.3835% | 4,273 |
| Total risk-based capital ratio | 13.6393% | 4,183 |
| Memoranda: | ||
| Average total assets | $536,894,600 | 1,306 |
| Average earning assets | $499,365,600 | 1,303 |
| Average equity | $50,799,800 | 1,503 |
| Average total loans | $453,230,400 | 1,121 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5049% | 1,625 |
| Cost of funding earning assets | 0.6176% | 1,415 |
| Net interest margin | 3.8872% | 2,077 |
| Noninterest income to average assets | 0.5759% | 2,600 |
| Noninterest expense to average assets | 2.9993% | 2,109 |
| Loan and lease loss provision to assets | 0.0100% | 3,936 |
| Net operating income to assets | 1.1828% | 1,763 |
| Return on assets (ROA) | 1.1828% | 1,809 |
| Pretax return on assets | 1.1835% | 2,970 |
| Return on Equity (ROE) | 12.3701% | 1,224 |
| Retained earnings to average equity (ytd only) | 12.3701% | 269 |
| Net charge-offs to loans | 0.0098% | 3,383 |
| Credit loss provision to net charge-offs | 121.2121% | 1,992 |
| Earnings coverage of net charge-offs (x) | 145.1175% | 552 |
| Efficiency ratio | 71.5347% | 2,274 |
| Assets per employee ($millions) | 4.5330% | 3,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4683% | 1,654 |
| Loan loss allowance to noncurrent loans | 1,603.0660% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.1085% | 4,704 |
| Noncurrent loans to loans | 0.0916% | 4,701 |
| Net loans and leases to total assets | 83.8486% | 447 |
| Net loans and leases to deposits | 120.0753% | 101 |
| Net loans and leases to core deposits | 138.6593% | 217 |
| Total domestic deposits to total assets | 69.8300% | 5,484 |
| Equity capital to assets | 9.9148% | 4,021 |
| Core capital (leverage) ratio | 9.8657% | 3,738 |
| Tier 1 risk-based capital ratio | 13.5352% | 3,683 |
| Total risk-based capital ratio | 14.7911% | 3,592 |
| Memoranda: | ||
| Average total assets | $535,001,500 | 1,325 |
| Average earning assets | $497,791,250 | 1,317 |
| Average equity | $51,154,250 | 1,512 |
| Average total loans | $450,695,500 | 1,132 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4072% | 1,795 |
| Cost of funding earning assets | 0.5722% | 1,635 |
| Net interest margin | 3.8350% | 2,154 |
| Noninterest income to average assets | 0.5797% | 2,560 |
| Noninterest expense to average assets | 3.0319% | 2,040 |
| Loan and lease loss provision to assets | 0.0150% | 3,654 |
| Net operating income to assets | 1.0947% | 2,002 |
| Return on assets (ROA) | 1.0947% | 2,062 |
| Pretax return on assets | 1.0955% | 3,203 |
| Return on Equity (ROE) | 11.5951% | 1,429 |
| Retained earnings to average equity (ytd only) | 11.5951% | 359 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1918% | 2,152 |
| Assets per employee ($millions) | 4.4836% | 3,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5026% | 1,571 |
| Loan loss allowance to noncurrent loans | 508.1845% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 0.2498% | 4,130 |
| Noncurrent loans to loans | 0.2957% | 3,983 |
| Net loans and leases to total assets | 83.2116% | 524 |
| Net loans and leases to deposits | 117.3063% | 130 |
| Net loans and leases to core deposits | 136.2997% | 230 |
| Total domestic deposits to total assets | 70.9353% | 5,508 |
| Equity capital to assets | 9.6635% | 4,263 |
| Core capital (leverage) ratio | 9.7342% | 3,857 |
| Tier 1 risk-based capital ratio | 13.3869% | 3,759 |
| Total risk-based capital ratio | 14.6434% | 3,668 |
| Memoranda: | ||
| Average total assets | $532,014,000 | 1,341 |
| Average earning assets | $494,242,000 | 1,332 |
| Average equity | $50,228,000 | 1,532 |
| Average total loans | $446,626,330 | 1,143 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2668% | 2,052 |
| Cost of funding earning assets | 0.5269% | 1,883 |
| Net interest margin | 3.7398% | 2,355 |
| Noninterest income to average assets | 0.5739% | 2,543 |
| Noninterest expense to average assets | 3.0261% | 2,091 |
| Loan and lease loss provision to assets | 0.0302% | 3,173 |
| Net operating income to assets | 0.9845% | 2,372 |
| Return on assets (ROA) | 0.9845% | 2,420 |
| Pretax return on assets | 0.9845% | 3,432 |
| Return on Equity (ROE) | 10.5542% | 1,713 |
| Retained earnings to average equity (ytd only) | 10.5542% | 685 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8877% | 2,085 |
| Assets per employee ($millions) | 4.4922% | 3,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5700% | 1,455 |
| Loan loss allowance to noncurrent loans | 424.2236% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.3090% | 3,954 |
| Noncurrent loans to loans | 0.3701% | 3,769 |
| Net loans and leases to total assets | 82.1730% | 546 |
| Net loans and leases to deposits | 112.9377% | 162 |
| Net loans and leases to core deposits | 129.1146% | 274 |
| Total domestic deposits to total assets | 72.7596% | 5,502 |
| Equity capital to assets | 9.6047% | 4,179 |
| Core capital (leverage) ratio | 9.6329% | 3,952 |
| Tier 1 risk-based capital ratio | 13.6571% | 3,678 |
| Total risk-based capital ratio | 14.9148% | 3,585 |
| Memoranda: | ||
| Average total assets | $529,002,500 | 1,350 |
| Average earning assets | $490,395,000 | 1,343 |
| Average equity | $49,345,500 | 1,552 |
| Average total loans | $442,670,000 | 1,154 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4976% | 1,545 |
| Cost of funding earning assets | 0.5296% | 1,870 |
| Net interest margin | 3.9680% | 1,737 |
| Noninterest income to average assets | 0.6276% | 2,518 |
| Noninterest expense to average assets | 2.8658% | 2,792 |
| Loan and lease loss provision to assets | 0.3119% | 598 |
| Net operating income to assets | 1.1418% | 1,722 |
| Return on assets (ROA) | 1.2672% | 1,382 |
| Pretax return on assets | 1.2680% | 2,407 |
| Return on Equity (ROE) | 13.9353% | 788 |
| Retained earnings to average equity (ytd only) | 4.2285% | 2,897 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3347% | 3,538 |
| Assets per employee ($millions) | 4.6285% | 2,922 |
| Cash dividends to net income (ytd only)* | 69.6561% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5079% | 1,636 |
| Loan loss allowance to noncurrent loans | 4,748.2517% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.0266% | 5,275 |
| Noncurrent loans to loans | 0.0318% | 5,142 |
| Net loans and leases to total assets | 82.6061% | 528 |
| Net loans and leases to deposits | 114.6275% | 147 |
| Net loans and leases to core deposits | 129.8997% | 287 |
| Total domestic deposits to total assets | 72.0648% | 5,555 |
| Equity capital to assets | 9.0595% | 4,754 |
| Core capital (leverage) ratio | 8.9879% | 4,758 |
| Tier 1 risk-based capital ratio | 12.8044% | 4,201 |
| Total risk-based capital ratio | 14.0609% | 4,090 |
| Memoranda: | ||
| Average total assets | $543,784,000 | 1,274 |
| Average earning assets | $506,042,400 | 1,265 |
| Average equity | $49,449,800 | 1,534 |
| Average total loans | $459,408,400 | 1,060 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5182% | 1,485 |
| Cost of funding earning assets | 0.5304% | 1,876 |
| Net interest margin | 3.9878% | 1,695 |
| Noninterest income to average assets | 0.6325% | 2,508 |
| Noninterest expense to average assets | 2.8663% | 2,759 |
| Loan and lease loss provision to assets | 0.3390% | 477 |
| Net operating income to assets | 1.1441% | 1,833 |
| Return on assets (ROA) | 1.3108% | 1,344 |
| Pretax return on assets | 1.3115% | 2,382 |
| Return on Equity (ROE) | 14.4012% | 757 |
| Retained earnings to average equity (ytd only) | 14.4012% | 154 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8894% | 3,610 |
| Assets per employee ($millions) | 4.9992% | 2,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3828% | 2,274 |
| Loan loss allowance to noncurrent loans | 4,439.0411% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.0263% | 5,397 |
| Noncurrent loans to loans | 0.0311% | 5,256 |
| Net loans and leases to total assets | 83.2969% | 479 |
| Net loans and leases to deposits | 130.1806% | 39 |
| Net loans and leases to core deposits | 150.2257% | 125 |
| Total domestic deposits to total assets | 63.9856% | 5,848 |
| Equity capital to assets | 9.3882% | 4,774 |
| Core capital (leverage) ratio | 9.3858% | 4,346 |
| Tier 1 risk-based capital ratio | 13.1387% | 4,074 |
| Total risk-based capital ratio | 14.3936% | 3,979 |
| Memoranda: | ||
| Average total assets | $545,503,250 | 1,269 |
| Average earning assets | $508,538,250 | 1,262 |
| Average equity | $49,652,000 | 1,532 |
| Average total loans | $461,683,500 | 1,055 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4902% | 1,542 |
| Cost of funding earning assets | 0.5146% | 1,984 |
| Net interest margin | 3.9755% | 1,720 |
| Noninterest income to average assets | 0.5413% | 2,947 |
| Noninterest expense to average assets | 2.8468% | 2,854 |
| Loan and lease loss provision to assets | 0.3411% | 478 |
| Net operating income to assets | 1.0587% | 2,134 |
| Return on assets (ROA) | 1.0587% | 2,259 |
| Pretax return on assets | 1.0594% | 3,366 |
| Return on Equity (ROE) | 11.7574% | 1,397 |
| Retained earnings to average equity (ytd only) | 11.7574% | 361 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0255% | 3,532 |
| Assets per employee ($millions) | 4.8937% | 2,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2882% | 2,858 |
| Loan loss allowance to noncurrent loans | 561.9981% | 978 |
| Noncurrent assets plus other real estate owned to assets | 0.1973% | 4,696 |
| Noncurrent loans to loans | 0.2292% | 4,521 |
| Net loans and leases to total assets | 83.4028% | 475 |
| Net loans and leases to deposits | 130.4799% | 39 |
| Net loans and leases to core deposits | 150.3003% | 124 |
| Total domestic deposits to total assets | 63.9200% | 5,934 |
| Equity capital to assets | 9.1470% | 5,115 |
| Core capital (leverage) ratio | 9.0709% | 4,751 |
| Tier 1 risk-based capital ratio | 12.5557% | 4,479 |
| Total risk-based capital ratio | 13.8092% | 4,388 |
| Memoranda: | ||
| Average total assets | $542,368,000 | 1,282 |
| Average earning assets | $505,592,330 | 1,271 |
| Average equity | $48,837,330 | 1,557 |
| Average total loans | $459,343,670 | 1,060 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5431% | 1,389 |
| Cost of funding earning assets | 0.5034% | 2,079 |
| Net interest margin | 4.0397% | 1,506 |
| Noninterest income to average assets | 0.5705% | 2,674 |
| Noninterest expense to average assets | 2.9137% | 2,659 |
| Loan and lease loss provision to assets | 0.3441% | 434 |
| Net operating income to assets | 1.0725% | 2,006 |
| Return on assets (ROA) | 1.0725% | 2,121 |
| Pretax return on assets | 1.0725% | 3,197 |
| Return on Equity (ROE) | 12.0088% | 1,314 |
| Retained earnings to average equity (ytd only) | 12.0088% | 506 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2859% | 3,584 |
| Assets per employee ($millions) | 4.7948% | 2,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2250% | 3,337 |
| Loan loss allowance to noncurrent loans | 499.6403% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 0.2106% | 4,712 |
| Noncurrent loans to loans | 0.2452% | 4,553 |
| Net loans and leases to total assets | 82.6840% | 484 |
| Net loans and leases to deposits | 125.7145% | 56 |
| Net loans and leases to core deposits | 144.6387% | 135 |
| Total domestic deposits to total assets | 65.7713% | 5,970 |
| Equity capital to assets | 9.0068% | 5,167 |
| Core capital (leverage) ratio | 9.0103% | 4,842 |
| Tier 1 risk-based capital ratio | 12.4829% | 4,582 |
| Total risk-based capital ratio | 13.7354% | 4,495 |
| Memoranda: | ||
| Average total assets | $537,056,500 | 1,296 |
| Average earning assets | $499,839,500 | 1,287 |
| Average equity | $47,965,000 | 1,577 |
| Average total loans | $455,401,000 | 1,064 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5031% | 1,586 |
| Cost of funding earning assets | 0.4344% | 2,798 |
| Net interest margin | 4.0687% | 1,490 |
| Noninterest income to average assets | 0.9447% | 1,329 |
| Noninterest expense to average assets | 3.0286% | 2,448 |
| Loan and lease loss provision to assets | 0.2039% | 1,047 |
| Net operating income to assets | 1.4922% | 881 |
| Return on assets (ROA) | 1.4922% | 911 |
| Pretax return on assets | 1.4930% | 1,578 |
| Return on Equity (ROE) | 16.4769% | 510 |
| Retained earnings to average equity (ytd only) | 7.7590% | 995 |
| Net charge-offs to loans | -0.0130% | 5,165 |
| Credit loss provision to net charge-offs | -1,812.2807% | 5,636 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0909% | 4,241 |
| Assets per employee ($millions) | 4.5110% | 3,030 |
| Cash dividends to net income (ytd only)* | 52.9101% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1140% | 3,970 |
| Loan loss allowance to noncurrent loans | 696.8536% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.1411% | 5,026 |
| Noncurrent loans to loans | 0.1599% | 4,852 |
| Net loans and leases to total assets | 84.9444% | 317 |
| Net loans and leases to deposits | 122.7958% | 83 |
| Net loans and leases to core deposits | 136.2144% | 204 |
| Total domestic deposits to total assets | 69.1754% | 5,929 |
| Equity capital to assets | 8.8540% | 5,266 |
| Core capital (leverage) ratio | 8.8793% | 5,027 |
| Tier 1 risk-based capital ratio | 11.9335% | 4,997 |
| Total risk-based capital ratio | 13.1842% | 4,900 |
| Memoranda: | ||
| Average total assets | $506,629,600 | 1,324 |
| Average earning assets | $470,784,200 | 1,312 |
| Average equity | $45,882,400 | 1,608 |
| Average total loans | $439,658,400 | 1,043 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4908% | 1,620 |
| Cost of funding earning assets | 0.4308% | 2,897 |
| Net interest margin | 4.0600% | 1,531 |
| Noninterest income to average assets | 1.1139% | 972 |
| Noninterest expense to average assets | 3.0338% | 2,418 |
| Loan and lease loss provision to assets | 0.2220% | 838 |
| Net operating income to assets | 1.6302% | 717 |
| Return on assets (ROA) | 1.6302% | 741 |
| Pretax return on assets | 1.6310% | 1,293 |
| Return on Equity (ROE) | 17.8942% | 405 |
| Retained earnings to average equity (ytd only) | 13.5055% | 239 |
| Net charge-offs to loans | -0.0187% | 5,187 |
| Credit loss provision to net charge-offs | -1,365.5738% | 5,541 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0814% | 4,557 |
| Assets per employee ($millions) | 4.4891% | 3,030 |
| Cash dividends to net income (ytd only)* | 24.5258% | 3,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0915% | 4,279 |
| Loan loss allowance to noncurrent loans | 483.5143% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 0.2253% | 4,863 |
| Noncurrent loans to loans | 0.2257% | 4,755 |
| Net loans and leases to total assets | 85.2362% | 277 |
| Net loans and leases to deposits | 134.5803% | 28 |
| Net loans and leases to core deposits | 151.7693% | 105 |
| Total domestic deposits to total assets | 63.3348% | 6,141 |
| Equity capital to assets | 9.2688% | 5,037 |
| Core capital (leverage) ratio | 9.3757% | 4,473 |
| Tier 1 risk-based capital ratio | 12.3643% | 4,845 |
| Total risk-based capital ratio | 13.6145% | 4,752 |
| Memoranda: | ||
| Average total assets | $500,211,500 | 1,348 |
| Average earning assets | $464,847,500 | 1,337 |
| Average equity | $45,570,500 | 1,623 |
| Average total loans | $435,259,250 | 1,054 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4543% | 1,680 |
| Cost of funding earning assets | 0.4443% | 2,788 |
| Net interest margin | 4.0100% | 1,615 |
| Noninterest income to average assets | 1.3673% | 663 |
| Noninterest expense to average assets | 3.0334% | 2,452 |
| Loan and lease loss provision to assets | 0.2566% | 665 |
| Net operating income to assets | 1.7974% | 521 |
| Return on assets (ROA) | 1.7974% | 544 |
| Pretax return on assets | 1.7982% | 898 |
| Return on Equity (ROE) | 19.8514% | 276 |
| Retained earnings to average equity (ytd only) | 13.1357% | 297 |
| Net charge-offs to loans | -0.0283% | 5,313 |
| Credit loss provision to net charge-offs | -1,037.7049% | 5,360 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6160% | 5,034 |
| Assets per employee ($millions) | 4.3005% | 3,305 |
| Cash dividends to net income (ytd only)* | 33.8295% | 2,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0538% | 4,586 |
| Loan loss allowance to noncurrent loans | 600.0000% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.3035% | 4,668 |
| Noncurrent loans to loans | 0.1756% | 5,071 |
| Net loans and leases to total assets | 87.6719% | 160 |
| Net loans and leases to deposits | 133.3335% | 33 |
| Net loans and leases to core deposits | 146.9067% | 124 |
| Total domestic deposits to total assets | 65.7538% | 6,177 |
| Equity capital to assets | 9.2758% | 4,928 |
| Core capital (leverage) ratio | 9.3070% | 4,542 |
| Tier 1 risk-based capital ratio | 11.9881% | 5,162 |
| Total risk-based capital ratio | 13.2234% | 5,072 |
| Memoranda: | ||
| Average total assets | $493,370,670 | 1,378 |
| Average earning assets | $457,801,000 | 1,364 |
| Average equity | $44,672,000 | 1,671 |
| Average total loans | $430,761,670 | 1,065 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3451% | 1,957 |
| Cost of funding earning assets | 0.4525% | 2,744 |
| Net interest margin | 3.8926% | 1,925 |
| Noninterest income to average assets | 0.6060% | 2,615 |
| Noninterest expense to average assets | 3.0085% | 2,556 |
| Loan and lease loss provision to assets | 0.1638% | 1,225 |
| Net operating income to assets | 1.0400% | 2,077 |
| Return on assets (ROA) | 1.0400% | 2,223 |
| Pretax return on assets | 1.0400% | 3,343 |
| Return on Equity (ROE) | 11.6322% | 1,445 |
| Retained earnings to average equity (ytd only) | -2.1066% | 5,700 |
| Net charge-offs to loans | -0.0577% | 5,589 |
| Credit loss provision to net charge-offs | -327.8689% | 4,730 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4230% | 3,264 |
| Assets per employee ($millions) | 4.1252% | 3,710 |
| Cash dividends to net income (ytd only)* | 118.1102% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0108% | 4,961 |
| Loan loss allowance to noncurrent loans | 529.1563% | 968 |
| Noncurrent assets plus other real estate owned to assets | 0.2860% | 4,817 |
| Noncurrent loans to loans | 0.1910% | 5,102 |
| Net loans and leases to total assets | 85.8083% | 205 |
| Net loans and leases to deposits | 119.8007% | 83 |
| Net loans and leases to core deposits | 133.8125% | 207 |
| Total domestic deposits to total assets | 71.6259% | 6,053 |
| Equity capital to assets | 8.9423% | 5,359 |
| Core capital (leverage) ratio | 8.9273% | 5,043 |
| Tier 1 risk-based capital ratio | 11.7892% | 5,378 |
| Total risk-based capital ratio | 12.9742% | 5,327 |
| Memoranda: | ||
| Average total assets | $488,476,000 | 1,395 |
| Average earning assets | $452,551,000 | 1,388 |
| Average equity | $43,672,000 | 1,706 |
| Average total loans | $423,228,500 | 1,083 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3826% | 2,278 |
| Cost of funding earning assets | 0.5705% | 2,040 |
| Net interest margin | 3.8121% | 2,582 |
| Noninterest income to average assets | 0.6956% | 2,323 |
| Noninterest expense to average assets | 3.1909% | 2,237 |
| Loan and lease loss provision to assets | 0.0841% | 2,801 |
| Net operating income to assets | 0.9485% | 2,637 |
| Return on assets (ROA) | 0.9485% | 2,724 |
| Pretax return on assets | 0.9491% | 3,693 |
| Return on Equity (ROE) | 10.8561% | 1,762 |
| Retained earnings to average equity (ytd only) | 10.1343% | 494 |
| Net charge-offs to loans | -0.0330% | 5,816 |
| Credit loss provision to net charge-offs | -298.5075% | 5,699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5400% | 2,586 |
| Assets per employee ($millions) | 4.1540% | 3,627 |
| Cash dividends to net income (ytd only)* | 6.6489% | 4,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9432% | 5,316 |
| Loan loss allowance to noncurrent loans | 695.1389% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.2371% | 5,075 |
| Noncurrent loans to loans | 0.1357% | 5,350 |
| Net loans and leases to total assets | 85.7842% | 223 |
| Net loans and leases to deposits | 114.3792% | 159 |
| Net loans and leases to core deposits | 129.7692% | 248 |
| Total domestic deposits to total assets | 74.9998% | 5,863 |
| Equity capital to assets | 8.9387% | 5,351 |
| Core capital (leverage) ratio | 8.7057% | 5,342 |
| Tier 1 risk-based capital ratio | 11.7034% | 5,546 |
| Total risk-based capital ratio | 12.8043% | 5,542 |
| Memoranda: | ||
| Average total assets | $475,696,200 | 1,405 |
| Average earning assets | $440,311,600 | 1,393 |
| Average equity | $41,561,800 | 1,726 |
| Average total loans | $405,974,400 | 1,080 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3533% | 2,408 |
| Cost of funding earning assets | 0.5957% | 1,878 |
| Net interest margin | 3.7576% | 2,781 |
| Noninterest income to average assets | 0.7120% | 2,270 |
| Noninterest expense to average assets | 3.1697% | 2,266 |
| Loan and lease loss provision to assets | 0.0791% | 2,762 |
| Net operating income to assets | 0.9439% | 2,708 |
| Return on assets (ROA) | 0.9439% | 2,802 |
| Pretax return on assets | 0.9445% | 3,808 |
| Return on Equity (ROE) | 10.8684% | 1,846 |
| Retained earnings to average equity (ytd only) | 9.8928% | 743 |
| Net charge-offs to loans | -0.0339% | 5,784 |
| Credit loss provision to net charge-offs | -274.5098% | 5,627 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5910% | 2,562 |
| Assets per employee ($millions) | 4.1196% | 3,622 |
| Cash dividends to net income (ytd only)* | 8.9767% | 3,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9218% | 5,524 |
| Loan loss allowance to noncurrent loans | 645.2261% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.2504% | 5,230 |
| Noncurrent loans to loans | 0.1429% | 5,489 |
| Net loans and leases to total assets | 85.8976% | 202 |
| Net loans and leases to deposits | 119.7627% | 99 |
| Net loans and leases to core deposits | 139.1376% | 155 |
| Total domestic deposits to total assets | 71.7232% | 6,184 |
| Equity capital to assets | 8.8555% | 5,505 |
| Core capital (leverage) ratio | 8.6109% | 5,541 |
| Tier 1 risk-based capital ratio | 11.5733% | 5,752 |
| Total risk-based capital ratio | 12.6503% | 5,771 |
| Memoranda: | ||
| Average total assets | $472,077,000 | 1,429 |
| Average earning assets | $437,362,000 | 1,411 |
| Average equity | $40,998,500 | 1,751 |
| Average total loans | $401,344,250 | 1,093 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3221% | 2,512 |
| Cost of funding earning assets | 0.6126% | 1,787 |
| Net interest margin | 3.7095% | 2,923 |
| Noninterest income to average assets | 0.7087% | 2,236 |
| Noninterest expense to average assets | 3.2007% | 2,191 |
| Loan and lease loss provision to assets | 0.0683% | 2,903 |
| Net operating income to assets | 0.8755% | 2,932 |
| Return on assets (ROA) | 0.8755% | 3,020 |
| Pretax return on assets | 0.8759% | 3,977 |
| Return on Equity (ROE) | 10.1491% | 2,083 |
| Retained earnings to average equity (ytd only) | 8.6653% | 1,086 |
| Net charge-offs to loans | -0.0344% | 5,736 |
| Credit loss provision to net charge-offs | -235.2941% | 5,421 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2208% | 2,420 |
| Assets per employee ($millions) | 4.0457% | 3,745 |
| Cash dividends to net income (ytd only)* | 14.6199% | 3,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9212% | 5,662 |
| Loan loss allowance to noncurrent loans | 535.9420% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.2691% | 5,285 |
| Noncurrent loans to loans | 0.1719% | 5,493 |
| Net loans and leases to total assets | 84.7512% | 251 |
| Net loans and leases to deposits | 109.8529% | 210 |
| Net loans and leases to core deposits | 132.1917% | 212 |
| Total domestic deposits to total assets | 77.1498% | 5,781 |
| Equity capital to assets | 8.8005% | 5,521 |
| Core capital (leverage) ratio | 8.5681% | 5,563 |
| Tier 1 risk-based capital ratio | 11.7682% | 5,655 |
| Total risk-based capital ratio | 12.8532% | 5,695 |
| Memoranda: | ||
| Average total assets | $468,771,000 | 1,432 |
| Average earning assets | $434,237,670 | 1,421 |
| Average equity | $40,437,000 | 1,761 |
| Average total loans | $395,834,330 | 1,103 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2592% | 2,668 |
| Cost of funding earning assets | 0.6174% | 1,835 |
| Net interest margin | 3.6418% | 3,091 |
| Noninterest income to average assets | 0.5968% | 2,754 |
| Noninterest expense to average assets | 3.2751% | 2,005 |
| Loan and lease loss provision to assets | 0.0342% | 3,368 |
| Net operating income to assets | 0.6523% | 3,945 |
| Return on assets (ROA) | 0.6523% | 4,038 |
| Pretax return on assets | 0.6514% | 4,657 |
| Return on Equity (ROE) | 7.6390% | 3,124 |
| Retained earnings to average equity (ytd only) | 7.6390% | 1,753 |
| Net charge-offs to loans | -0.0712% | 5,964 |
| Credit loss provision to net charge-offs | -57.1429% | 4,767 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6902% | 1,838 |
| Assets per employee ($millions) | 4.0544% | 3,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9330% | 5,765 |
| Loan loss allowance to noncurrent loans | 529.5858% | 897 |
| Noncurrent assets plus other real estate owned to assets | 0.2726% | 5,351 |
| Noncurrent loans to loans | 0.1762% | 5,567 |
| Net loans and leases to total assets | 82.9742% | 295 |
| Net loans and leases to deposits | 97.9286% | 545 |
| Net loans and leases to core deposits | 120.9807% | 307 |
| Total domestic deposits to total assets | 84.7293% | 3,983 |
| Equity capital to assets | 8.8095% | 5,323 |
| Core capital (leverage) ratio | 8.5620% | 5,569 |
| Tier 1 risk-based capital ratio | 11.9360% | 5,681 |
| Total risk-based capital ratio | 13.0283% | 5,709 |
| Memoranda: | ||
| Average total assets | $468,504,500 | 1,436 |
| Average earning assets | $432,755,500 | 1,432 |
| Average equity | $40,005,000 | 1,769 |
| Average total loans | $393,032,000 | 1,120 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3675% | 2,699 |
| Cost of funding earning assets | 0.7465% | 1,517 |
| Net interest margin | 3.6210% | 3,372 |
| Noninterest income to average assets | 0.7939% | 2,106 |
| Noninterest expense to average assets | 3.1363% | 2,628 |
| Loan and lease loss provision to assets | 0.0319% | 4,481 |
| Net operating income to assets | 0.9683% | 2,478 |
| Return on assets (ROA) | 0.9683% | 2,545 |
| Pretax return on assets | 0.9547% | 3,538 |
| Return on Equity (ROE) | 11.7574% | 1,500 |
| Retained earnings to average equity (ytd only) | 6.0763% | 1,923 |
| Net charge-offs to loans | -0.0456% | 6,311 |
| Credit loss provision to net charge-offs | -84.7458% | 5,852 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0704% | 2,759 |
| Assets per employee ($millions) | 4.0581% | 3,745 |
| Cash dividends to net income (ytd only)* | 48.3198% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8625% | 6,030 |
| Loan loss allowance to noncurrent loans | 455.3806% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 0.2496% | 5,515 |
| Noncurrent loans to loans | 0.1894% | 5,629 |
| Net loans and leases to total assets | 83.2954% | 304 |
| Net loans and leases to deposits | 101.3706% | 422 |
| Net loans and leases to core deposits | 125.8852% | 239 |
| Total domestic deposits to total assets | 82.1692% | 4,814 |
| Equity capital to assets | 8.2799% | 5,791 |
| Core capital (leverage) ratio | 8.0318% | 6,108 |
| Tier 1 risk-based capital ratio | 11.1066% | 6,116 |
| Total risk-based capital ratio | 12.1114% | 6,187 |
| Memoranda: | ||
| Average total assets | $470,196,400 | 1,407 |
| Average earning assets | $432,283,200 | 1,409 |
| Average equity | $38,724,400 | 1,799 |
| Average total loans | $387,735,000 | 1,100 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3402% | 2,832 |
| Cost of funding earning assets | 0.7663% | 1,508 |
| Net interest margin | 3.5739% | 3,557 |
| Noninterest income to average assets | 0.8108% | 2,095 |
| Noninterest expense to average assets | 3.1413% | 2,527 |
| Loan and lease loss provision to assets | 0.0427% | 4,157 |
| Net operating income to assets | 0.9298% | 2,690 |
| Return on assets (ROA) | 0.9298% | 2,798 |
| Pretax return on assets | 0.9110% | 3,836 |
| Return on Equity (ROE) | 11.3056% | 1,703 |
| Retained earnings to average equity (ytd only) | 7.1491% | 1,807 |
| Net charge-offs to loans | -0.0587% | 6,361 |
| Credit loss provision to net charge-offs | -88.7574% | 5,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7096% | 2,612 |
| Assets per employee ($millions) | 4.0538% | 3,729 |
| Cash dividends to net income (ytd only)* | 36.7647% | 2,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8796% | 6,109 |
| Loan loss allowance to noncurrent loans | 315.5880% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 0.3282% | 5,424 |
| Noncurrent loans to loans | 0.2787% | 5,535 |
| Net loans and leases to total assets | 83.6841% | 265 |
| Net loans and leases to deposits | 105.2072% | 258 |
| Net loans and leases to core deposits | 135.8188% | 138 |
| Total domestic deposits to total assets | 79.5422% | 5,625 |
| Equity capital to assets | 8.4788% | 5,753 |
| Core capital (leverage) ratio | 8.1924% | 6,070 |
| Tier 1 risk-based capital ratio | 11.4056% | 6,099 |
| Total risk-based capital ratio | 12.4427% | 6,159 |
| Memoranda: | ||
| Average total assets | $468,031,250 | 1,418 |
| Average earning assets | $430,102,750 | 1,424 |
| Average equity | $38,493,250 | 1,820 |
| Average total loans | $384,084,750 | 1,116 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3118% | 2,902 |
| Cost of funding earning assets | 0.7723% | 1,571 |
| Net interest margin | 3.5395% | 3,612 |
| Noninterest income to average assets | 0.8283% | 2,073 |
| Noninterest expense to average assets | 3.1337% | 2,570 |
| Loan and lease loss provision to assets | 0.0640% | 3,737 |
| Net operating income to assets | 0.9077% | 2,747 |
| Return on assets (ROA) | 0.9077% | 2,890 |
| Pretax return on assets | 0.8791% | 3,987 |
| Return on Equity (ROE) | 11.1511% | 1,767 |
| Retained earnings to average equity (ytd only) | 4.8599% | 3,140 |
| Net charge-offs to loans | -0.0861% | 6,460 |
| Credit loss provision to net charge-offs | -91.4634% | 5,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8659% | 2,655 |
| Assets per employee ($millions) | 4.0421% | 3,704 |
| Cash dividends to net income (ytd only)* | 56.4175% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9111% | 6,101 |
| Loan loss allowance to noncurrent loans | 251.2355% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 0.3945% | 5,298 |
| Noncurrent loans to loans | 0.3626% | 5,368 |
| Net loans and leases to total assets | 81.5916% | 386 |
| Net loans and leases to deposits | 96.6487% | 627 |
| Net loans and leases to core deposits | 126.3426% | 221 |
| Total domestic deposits to total assets | 84.4207% | 4,158 |
| Equity capital to assets | 8.3777% | 5,885 |
| Core capital (leverage) ratio | 8.0465% | 6,149 |
| Tier 1 risk-based capital ratio | 11.5036% | 6,110 |
| Total risk-based capital ratio | 12.5800% | 6,154 |
| Memoranda: | ||
| Average total assets | $468,645,330 | 1,415 |
| Average earning assets | $430,120,670 | 1,420 |
| Average equity | $38,148,670 | 1,838 |
| Average total loans | $380,917,000 | 1,122 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2818% | 2,967 |
| Cost of funding earning assets | 0.7748% | 1,679 |
| Net interest margin | 3.5070% | 3,665 |
| Noninterest income to average assets | 0.7830% | 2,197 |
| Noninterest expense to average assets | 3.0337% | 2,884 |
| Loan and lease loss provision to assets | 0.1270% | 2,649 |
| Net operating income to assets | 0.8016% | 3,161 |
| Return on assets (ROA) | 0.8016% | 3,291 |
| Pretax return on assets | 0.8329% | 4,030 |
| Return on Equity (ROE) | 9.9893% | 2,066 |
| Retained earnings to average equity (ytd only) | 9.9893% | 1,108 |
| Net charge-offs to loans | -0.0241% | 5,806 |
| Credit loss provision to net charge-offs | -652.1739% | 5,548 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9644% | 2,931 |
| Assets per employee ($millions) | 3.9993% | 3,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8976% | 6,263 |
| Loan loss allowance to noncurrent loans | 176.6649% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 0.4081% | 5,374 |
| Noncurrent loans to loans | 0.5081% | 5,158 |
| Net loans and leases to total assets | 79.6043% | 459 |
| Net loans and leases to deposits | 93.7603% | 683 |
| Net loans and leases to core deposits | 120.2939% | 281 |
| Total domestic deposits to total assets | 84.9020% | 4,089 |
| Equity capital to assets | 8.3601% | 6,140 |
| Core capital (leverage) ratio | 8.0649% | 6,086 |
| Tier 1 risk-based capital ratio | 11.7771% | 6,044 |
| Total risk-based capital ratio | 12.8334% | 6,108 |
| Memoranda: | ||
| Average total assets | $472,565,500 | 1,418 |
| Average earning assets | $432,622,500 | 1,418 |
| Average equity | $37,920,500 | 1,869 |
| Average total loans | $381,658,000 | 1,117 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8723% | 1,937 |
| Cost of funding earning assets | 0.9179% | 1,835 |
| Net interest margin | 3.9545% | 2,588 |
| Noninterest income to average assets | 0.8776% | 1,938 |
| Noninterest expense to average assets | 3.2023% | 2,607 |
| Loan and lease loss provision to assets | 0.0752% | 4,784 |
| Net operating income to assets | 1.2030% | 1,593 |
| Return on assets (ROA) | 1.2030% | 1,761 |
| Pretax return on assets | 1.2536% | 2,593 |
| Return on Equity (ROE) | 15.1959% | 780 |
| Retained earnings to average equity (ytd only) | 5.4227% | 2,429 |
| Net charge-offs to loans | 0.1465% | 4,229 |
| Credit loss provision to net charge-offs | 62.7306% | 4,375 |
| Earnings coverage of net charge-offs (x) | 11.0904% | 2,073 |
| Efficiency ratio | 70.6738% | 3,679 |
| Assets per employee ($millions) | 4.2562% | 3,451 |
| Cash dividends to net income (ytd only)* | 64.3146% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7980% | 6,495 |
| Loan loss allowance to noncurrent loans | 77.6433% | 3,989 |
| Noncurrent assets plus other real estate owned to assets | 0.8343% | 4,388 |
| Noncurrent loans to loans | 1.0277% | 4,148 |
| Net loans and leases to total assets | 80.5301% | 419 |
| Net loans and leases to deposits | 99.7819% | 422 |
| Net loans and leases to core deposits | 129.9331% | 189 |
| Total domestic deposits to total assets | 80.7061% | 5,483 |
| Equity capital to assets | 7.7061% | 6,550 |
| Core capital (leverage) ratio | 7.4471% | 6,524 |
| Tier 1 risk-based capital ratio | 10.8017% | 6,428 |
| Total risk-based capital ratio | 11.7439% | 6,527 |
| Memoranda: | ||
| Average total assets | $452,368,000 | 1,459 |
| Average earning assets | $417,932,000 | 1,441 |
| Average equity | $35,812,400 | 1,932 |
| Average total loans | $369,906,800 | 1,129 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9407% | 1,859 |
| Cost of funding earning assets | 0.9408% | 1,908 |
| Net interest margin | 3.9999% | 2,500 |
| Noninterest income to average assets | 0.8615% | 1,977 |
| Noninterest expense to average assets | 3.1694% | 2,663 |
| Loan and lease loss provision to assets | 0.0405% | 5,269 |
| Net operating income to assets | 1.3109% | 1,415 |
| Return on assets (ROA) | 1.3109% | 1,553 |
| Pretax return on assets | 1.3667% | 2,355 |
| Return on Equity (ROE) | 16.4396% | 677 |
| Retained earnings to average equity (ytd only) | 3.2638% | 4,573 |
| Net charge-offs to loans | 0.0352% | 5,153 |
| Credit loss provision to net charge-offs | 140.6250% | 2,051 |
| Earnings coverage of net charge-offs (x) | 48.8321% | 770 |
| Efficiency ratio | 69.2510% | 3,827 |
| Assets per employee ($millions) | 3.8874% | 4,114 |
| Cash dividends to net income (ytd only)* | 80.1466% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9006% | 6,374 |
| Loan loss allowance to noncurrent loans | 69.6870% | 4,226 |
| Noncurrent assets plus other real estate owned to assets | 1.1532% | 3,983 |
| Noncurrent loans to loans | 1.2924% | 3,882 |
| Net loans and leases to total assets | 81.8651% | 347 |
| Net loans and leases to deposits | 100.4532% | 417 |
| Net loans and leases to core deposits | 135.7431% | 157 |
| Total domestic deposits to total assets | 81.4957% | 5,190 |
| Equity capital to assets | 7.9423% | 6,622 |
| Core capital (leverage) ratio | 7.7073% | 6,526 |
| Tier 1 risk-based capital ratio | 11.1853% | 6,401 |
| Total risk-based capital ratio | 12.2678% | 6,452 |
| Memoranda: | ||
| Average total assets | $444,157,500 | 1,497 |
| Average earning assets | $412,533,750 | 1,477 |
| Average equity | $35,417,750 | 1,968 |
| Average total loans | $363,912,750 | 1,157 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9742% | 1,859 |
| Cost of funding earning assets | 0.9574% | 2,014 |
| Net interest margin | 4.0168% | 2,432 |
| Noninterest income to average assets | 0.8634% | 1,918 |
| Noninterest expense to average assets | 3.1471% | 2,758 |
| Loan and lease loss provision to assets | 0.0113% | 5,521 |
| Net operating income to assets | 1.3777% | 1,239 |
| Return on assets (ROA) | 1.3777% | 1,396 |
| Pretax return on assets | 1.4358% | 2,064 |
| Return on Equity (ROE) | 17.2530% | 607 |
| Retained earnings to average equity (ytd only) | 8.7260% | 1,364 |
| Net charge-offs to loans | -0.0011% | 6,081 |
| Credit loss provision to net charge-offs | -1,250.0000% | 6,434 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5011% | 4,043 |
| Assets per employee ($millions) | 3.9730% | 3,935 |
| Cash dividends to net income (ytd only)* | 49.4234% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9176% | 6,415 |
| Loan loss allowance to noncurrent loans | 75.4586% | 3,968 |
| Noncurrent assets plus other real estate owned to assets | 0.9956% | 4,383 |
| Noncurrent loans to loans | 1.2160% | 4,118 |
| Net loans and leases to total assets | 81.1246% | 392 |
| Net loans and leases to deposits | 99.9426% | 418 |
| Net loans and leases to core deposits | 139.5015% | 151 |
| Total domestic deposits to total assets | 81.1711% | 5,404 |
| Equity capital to assets | 8.1088% | 6,510 |
| Core capital (leverage) ratio | 7.9510% | 6,322 |
| Tier 1 risk-based capital ratio | 11.6524% | 6,138 |
| Total risk-based capital ratio | 12.7554% | 6,191 |
| Memoranda: | ||
| Average total assets | $440,600,330 | 1,509 |
| Average earning assets | $409,235,000 | 1,490 |
| Average equity | $35,182,330 | 1,965 |
| Average total loans | $359,973,670 | 1,164 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6850% | 3,107 |
| Cost of funding earning assets | 0.9811% | 2,097 |
| Net interest margin | 3.7039% | 3,808 |
| Noninterest income to average assets | 0.8936% | 1,772 |
| Noninterest expense to average assets | 3.1621% | 2,729 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1301% | 1,953 |
| Return on assets (ROA) | 1.1301% | 2,139 |
| Pretax return on assets | 1.1778% | 2,999 |
| Return on Equity (ROE) | 14.2663% | 1,131 |
| Retained earnings to average equity (ytd only) | -3.0893% | 6,409 |
| Net charge-offs to loans | -0.0011% | 5,719 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8617% | 3,277 |
| Assets per employee ($millions) | 3.7352% | 4,570 |
| Cash dividends to net income (ytd only)* | 121.6545% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9609% | 6,385 |
| Loan loss allowance to noncurrent loans | 68.3694% | 4,107 |
| Noncurrent assets plus other real estate owned to assets | 1.1295% | 4,246 |
| Noncurrent loans to loans | 1.4055% | 4,001 |
| Net loans and leases to total assets | 79.5905% | 447 |
| Net loans and leases to deposits | 93.7452% | 686 |
| Net loans and leases to core deposits | 128.4695% | 211 |
| Total domestic deposits to total assets | 84.9009% | 4,086 |
| Equity capital to assets | 7.9532% | 6,549 |
| Core capital (leverage) ratio | 7.8106% | 6,407 |
| Tier 1 risk-based capital ratio | 11.7073% | 6,150 |
| Total risk-based capital ratio | 12.8650% | 6,191 |
| Memoranda: | ||
| Average total assets | $436,423,500 | 1,527 |
| Average earning assets | $406,062,500 | 1,497 |
| Average equity | $34,571,000 | 1,998 |
| Average total loans | $356,168,000 | 1,179 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0078% | 2,850 |
| Cost of funding earning assets | 1.1455% | 2,373 |
| Net interest margin | 3.8624% | 3,509 |
| Noninterest income to average assets | 1.2140% | 898 |
| Noninterest expense to average assets | 3.3670% | 2,322 |
| Loan and lease loss provision to assets | 0.0239% | 6,279 |
| Net operating income to assets | 1.3678% | 1,089 |
| Return on assets (ROA) | 1.3678% | 1,178 |
| Pretax return on assets | 1.4209% | 1,714 |
| Return on Equity (ROE) | 17.5992% | 418 |
| Retained earnings to average equity (ytd only) | 8.3559% | 970 |
| Net charge-offs to loans | 0.0073% | 6,328 |
| Credit loss provision to net charge-offs | 384.6154% | 608 |
| Earnings coverage of net charge-offs (x) | 232.0769% | 145 |
| Efficiency ratio | 69.5994% | 4,040 |
| Assets per employee ($millions) | 3.7251% | 4,497 |
| Cash dividends to net income (ytd only)* | 52.5210% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9186% | 6,491 |
| Loan loss allowance to noncurrent loans | 141.4376% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 0.5380% | 5,626 |
| Noncurrent loans to loans | 0.6495% | 5,408 |
| Net loans and leases to total assets | 82.0797% | 335 |
| Net loans and leases to deposits | 99.2477% | 492 |
| Net loans and leases to core deposits | 135.9329% | 193 |
| Total domestic deposits to total assets | 82.7020% | 4,880 |
| Equity capital to assets | 7.8901% | 6,640 |
| Core capital (leverage) ratio | 7.7704% | 6,470 |
| Tier 1 risk-based capital ratio | 11.3391% | 6,261 |
| Total risk-based capital ratio | 12.4511% | 6,325 |
| Memoranda: | ||
| Average total assets | $417,617,000 | 1,558 |
| Average earning assets | $389,010,000 | 1,531 |
| Average equity | $32,456,000 | 2,052 |
| Average total loans | $357,761,800 | 1,186 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0458% | 2,860 |
| Cost of funding earning assets | 1.1340% | 2,746 |
| Net interest margin | 3.9118% | 3,326 |
| Noninterest income to average assets | 1.1533% | 987 |
| Noninterest expense to average assets | 3.3785% | 2,252 |
| Loan and lease loss provision to assets | 0.0162% | 6,229 |
| Net operating income to assets | 1.3507% | 1,265 |
| Return on assets (ROA) | 1.3507% | 1,350 |
| Pretax return on assets | 1.4034% | 1,935 |
| Return on Equity (ROE) | 17.4502% | 517 |
| Retained earnings to average equity (ytd only) | 4.9111% | 3,236 |
| Net charge-offs to loans | 0.0060% | 6,095 |
| Credit loss provision to net charge-offs | 312.5000% | 903 |
| Earnings coverage of net charge-offs (x) | 274.2860% | 140 |
| Efficiency ratio | 70.0223% | 3,954 |
| Assets per employee ($millions) | 3.6500% | 4,643 |
| Cash dividends to net income (ytd only)* | 71.8563% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9002% | 6,593 |
| Loan loss allowance to noncurrent loans | 119.7898% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 0.7329% | 5,325 |
| Noncurrent loans to loans | 0.7515% | 5,373 |
| Net loans and leases to total assets | 85.1934% | 155 |
| Net loans and leases to deposits | 103.1587% | 345 |
| Net loans and leases to core deposits | 142.8331% | 167 |
| Total domestic deposits to total assets | 82.5848% | 4,842 |
| Equity capital to assets | 7.7399% | 6,828 |
| Core capital (leverage) ratio | 7.6374% | 6,678 |
| Tier 1 risk-based capital ratio | 10.7253% | 6,701 |
| Total risk-based capital ratio | 11.8134% | 6,737 |
| Memoranda: | ||
| Average total assets | $412,130,250 | 1,588 |
| Average earning assets | $383,993,750 | 1,552 |
| Average equity | $31,899,500 | 2,082 |
| Average total loans | $356,167,750 | 1,203 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0738% | 2,803 |
| Cost of funding earning assets | 1.1453% | 2,931 |
| Net interest margin | 3.9285% | 3,175 |
| Noninterest income to average assets | 1.1971% | 898 |
| Noninterest expense to average assets | 3.4336% | 2,173 |
| Loan and lease loss provision to assets | 0.0246% | 5,989 |
| Net operating income to assets | 1.3454% | 1,205 |
| Return on assets (ROA) | 1.3454% | 1,279 |
| Pretax return on assets | 1.3985% | 1,801 |
| Return on Equity (ROE) | 17.3822% | 516 |
| Retained earnings to average equity (ytd only) | -1.6564% | 6,188 |
| Net charge-offs to loans | 0.0448% | 5,227 |
| Credit loss provision to net charge-offs | 63.2911% | 4,260 |
| Earnings coverage of net charge-offs (x) | 36.6709% | 796 |
| Efficiency ratio | 70.3146% | 4,047 |
| Assets per employee ($millions) | 3.4566% | 5,063 |
| Cash dividends to net income (ytd only)* | 109.5290% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9071% | 6,635 |
| Loan loss allowance to noncurrent loans | 195.7729% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 0.6462% | 5,619 |
| Noncurrent loans to loans | 0.4634% | 5,981 |
| Net loans and leases to total assets | 86.0967% | 135 |
| Net loans and leases to deposits | 102.4648% | 368 |
| Net loans and leases to core deposits | 141.8286% | 177 |
| Total domestic deposits to total assets | 84.0257% | 4,339 |
| Equity capital to assets | 7.6779% | 6,865 |
| Core capital (leverage) ratio | 7.5802% | 6,691 |
| Tier 1 risk-based capital ratio | 10.4587% | 6,804 |
| Total risk-based capital ratio | 11.5474% | 6,863 |
| Memoranda: | ||
| Average total assets | $407,158,000 | 1,613 |
| Average earning assets | $379,280,000 | 1,583 |
| Average equity | $31,515,000 | 2,093 |
| Average total loans | $352,516,670 | 1,227 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1481% | 2,445 |
| Cost of funding earning assets | 1.1581% | 3,097 |
| Net interest margin | 3.9900% | 2,724 |
| Noninterest income to average assets | 1.0369% | 1,225 |
| Noninterest expense to average assets | 3.5500% | 1,876 |
| Loan and lease loss provision to assets | 0.0494% | 5,383 |
| Net operating income to assets | 1.1020% | 1,836 |
| Return on assets (ROA) | 1.1020% | 1,885 |
| Pretax return on assets | 1.1494% | 2,568 |
| Return on Equity (ROE) | 14.1798% | 955 |
| Retained earnings to average equity (ytd only) | -4.8791% | 6,507 |
| Net charge-offs to loans | 0.0640% | 4,291 |
| Credit loss provision to net charge-offs | 89.2857% | 2,951 |
| Earnings coverage of net charge-offs (x) | 21.6786% | 1,073 |
| Efficiency ratio | 74.3814% | 3,449 |
| Assets per employee ($millions) | 3.2877% | 5,510 |
| Cash dividends to net income (ytd only)* | 134.4086% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9506% | 6,541 |
| Loan loss allowance to noncurrent loans | 155.9962% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 0.7858% | 5,337 |
| Noncurrent loans to loans | 0.6094% | 5,816 |
| Net loans and leases to total assets | 85.5161% | 154 |
| Net loans and leases to deposits | 101.8000% | 386 |
| Net loans and leases to core deposits | 137.9836% | 207 |
| Total domestic deposits to total assets | 84.0041% | 4,485 |
| Equity capital to assets | 7.8737% | 6,617 |
| Core capital (leverage) ratio | 7.8127% | 6,453 |
| Tier 1 risk-based capital ratio | 10.9486% | 6,543 |
| Total risk-based capital ratio | 12.0996% | 6,586 |
| Memoranda: | ||
| Average total assets | $405,069,500 | 1,630 |
| Average earning assets | $376,839,500 | 1,608 |
| Average equity | $31,481,500 | 2,080 |
| Average total loans | $350,081,000 | 1,253 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2840% | 3,204 |
| Cost of funding earning assets | 1.1901% | 4,622 |
| Net interest margin | 4.0939% | 2,591 |
| Noninterest income to average assets | 0.9887% | 1,542 |
| Noninterest expense to average assets | 3.4495% | 2,306 |
| Loan and lease loss provision to assets | 0.0844% | 6,307 |
| Net operating income to assets | 1.2246% | 1,359 |
| Return on assets (ROA) | 1.2246% | 1,432 |
| Pretax return on assets | 1.2706% | 2,016 |
| Return on Equity (ROE) | 16.4037% | 543 |
| Retained earnings to average equity (ytd only) | 11.4319% | 339 |
| Net charge-offs to loans | -0.0068% | 7,293 |
| Credit loss provision to net charge-offs | -1,420.8333% | 7,160 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5095% | 3,889 |
| Assets per employee ($millions) | 3.3523% | 5,299 |
| Cash dividends to net income (ytd only)* | 30.3092% | 3,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9170% | 6,677 |
| Loan loss allowance to noncurrent loans | 104.7055% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 1.0625% | 4,880 |
| Noncurrent loans to loans | 0.8758% | 5,315 |
| Net loans and leases to total assets | 85.7166% | 202 |
| Net loans and leases to deposits | 111.4409% | 208 |
| Net loans and leases to core deposits | 147.9398% | 183 |
| Total domestic deposits to total assets | 76.9167% | 6,490 |
| Equity capital to assets | 7.6737% | 6,761 |
| Core capital (leverage) ratio | 7.6294% | 6,597 |
| Tier 1 risk-based capital ratio | 10.7010% | 6,569 |
| Total risk-based capital ratio | 11.8142% | 6,632 |
| Memoranda: | ||
| Average total assets | $404,148,200 | 1,635 |
| Average earning assets | $376,683,200 | 1,600 |
| Average equity | $30,170,000 | 2,162 |
| Average total loans | $355,118,800 | 1,262 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2902% | 3,397 |
| Cost of funding earning assets | 1.1923% | 4,901 |
| Net interest margin | 4.0979% | 2,633 |
| Noninterest income to average assets | 0.9679% | 1,561 |
| Noninterest expense to average assets | 3.3891% | 2,329 |
| Loan and lease loss provision to assets | 0.0905% | 6,133 |
| Net operating income to assets | 1.2620% | 1,437 |
| Return on assets (ROA) | 1.2620% | 1,517 |
| Pretax return on assets | 1.3094% | 2,142 |
| Return on Equity (ROE) | 17.0274% | 586 |
| Retained earnings to average equity (ytd only) | 17.0274% | 134 |
| Net charge-offs to loans | -0.0165% | 7,330 |
| Credit loss provision to net charge-offs | -620.4545% | 7,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4770% | 3,975 |
| Assets per employee ($millions) | 3.4508% | 5,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8848% | 6,788 |
| Loan loss allowance to noncurrent loans | 117.7137% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 0.9541% | 5,184 |
| Noncurrent loans to loans | 0.7516% | 5,700 |
| Net loans and leases to total assets | 87.1915% | 134 |
| Net loans and leases to deposits | 121.7771% | 104 |
| Net loans and leases to core deposits | 163.8918% | 135 |
| Total domestic deposits to total assets | 71.5992% | 7,171 |
| Equity capital to assets | 7.7466% | 6,971 |
| Core capital (leverage) ratio | 7.6846% | 6,692 |
| Tier 1 risk-based capital ratio | 10.6674% | 6,659 |
| Total risk-based capital ratio | 11.7486% | 6,768 |
| Memoranda: | ||
| Average total assets | $402,102,250 | 1,668 |
| Average earning assets | $374,950,500 | 1,630 |
| Average equity | $29,802,250 | 2,213 |
| Average total loans | $354,721,500 | 1,280 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2910% | 3,510 |
| Cost of funding earning assets | 1.1950% | 5,157 |
| Net interest margin | 4.0960% | 2,579 |
| Noninterest income to average assets | 0.8611% | 1,835 |
| Noninterest expense to average assets | 3.4423% | 2,159 |
| Loan and lease loss provision to assets | 0.1030% | 5,886 |
| Net operating income to assets | 1.0982% | 1,860 |
| Return on assets (ROA) | 1.0982% | 1,931 |
| Pretax return on assets | 1.1384% | 2,637 |
| Return on Equity (ROE) | 15.0532% | 851 |
| Retained earnings to average equity (ytd only) | 15.0532% | 241 |
| Net charge-offs to loans | -0.0250% | 7,320 |
| Credit loss provision to net charge-offs | -465.9091% | 6,810 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1953% | 3,625 |
| Assets per employee ($millions) | 3.3607% | 5,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8852% | 6,806 |
| Loan loss allowance to noncurrent loans | 128.6705% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 0.9219% | 5,279 |
| Noncurrent loans to loans | 0.6879% | 5,874 |
| Net loans and leases to total assets | 88.3357% | 118 |
| Net loans and leases to deposits | 118.7153% | 140 |
| Net loans and leases to core deposits | 156.0424% | 188 |
| Total domestic deposits to total assets | 74.4097% | 6,926 |
| Equity capital to assets | 7.5883% | 7,062 |
| Core capital (leverage) ratio | 7.5496% | 6,784 |
| Tier 1 risk-based capital ratio | 10.4773% | 6,706 |
| Total risk-based capital ratio | 11.5726% | 6,801 |
| Memoranda: | ||
| Average total assets | $398,106,000 | 1,694 |
| Average earning assets | $371,535,330 | 1,664 |
| Average equity | $29,043,670 | 2,258 |
| Average total loans | $351,537,000 | 1,309 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1947% | 4,048 |
| Cost of funding earning assets | 1.2113% | 5,337 |
| Net interest margin | 3.9834% | 2,942 |
| Noninterest income to average assets | 0.7603% | 2,232 |
| Noninterest expense to average assets | 3.5076% | 1,959 |
| Loan and lease loss provision to assets | 0.1380% | 5,178 |
| Net operating income to assets | 0.8036% | 2,944 |
| Return on assets (ROA) | 0.8036% | 3,044 |
| Pretax return on assets | 0.8338% | 3,734 |
| Return on Equity (ROE) | 11.2428% | 1,708 |
| Retained earnings to average equity (ytd only) | 11.2428% | 872 |
| Net charge-offs to loans | 0.0080% | 5,480 |
| Credit loss provision to net charge-offs | 1,957.1429% | 264 |
| Earnings coverage of net charge-offs (x) | 137.8571% | 241 |
| Efficiency ratio | 77.9901% | 2,898 |
| Assets per employee ($millions) | 3.2527% | 5,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8725% | 6,920 |
| Loan loss allowance to noncurrent loans | 120.9645% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 1.0402% | 5,064 |
| Noncurrent loans to loans | 0.7213% | 5,881 |
| Net loans and leases to total assets | 87.6140% | 142 |
| Net loans and leases to deposits | 113.3066% | 219 |
| Net loans and leases to core deposits | 147.4744% | 258 |
| Total domestic deposits to total assets | 77.3247% | 6,485 |
| Equity capital to assets | 7.3084% | 7,206 |
| Core capital (leverage) ratio | 7.3150% | 7,013 |
| Tier 1 risk-based capital ratio | 10.2399% | 6,857 |
| Total risk-based capital ratio | 11.3193% | 6,978 |
| Memoranda: | ||
| Average total assets | $397,194,500 | 1,738 |
| Average earning assets | $370,839,500 | 1,703 |
| Average equity | $28,391,500 | 2,338 |
| Average total loans | $349,088,000 | 1,358 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5046% | 4,118 |
| Cost of funding earning assets | 1.4508% | 5,721 |
| Net interest margin | 4.0538% | 2,635 |
| Noninterest income to average assets | 0.9047% | 1,925 |
| Noninterest expense to average assets | 3.6507% | 2,027 |
| Loan and lease loss provision to assets | 0.2102% | 5,661 |
| Net operating income to assets | 0.8135% | 2,478 |
| Return on assets (ROA) | 0.8538% | 2,414 |
| Pretax return on assets | 0.8821% | 2,980 |
| Return on Equity (ROE) | 12.5180% | 1,051 |
| Retained earnings to average equity (ytd only) | 12.5180% | 179 |
| Net charge-offs to loans | 0.1240% | 5,950 |
| Credit loss provision to net charge-offs | 193.0693% | 2,059 |
| Earnings coverage of net charge-offs (x) | 9.6510% | 1,771 |
| Efficiency ratio | 77.4090% | 3,287 |
| Assets per employee ($millions) | 3.2324% | 5,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8295% | 7,047 |
| Loan loss allowance to noncurrent loans | 87.5301% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 1.0706% | 4,954 |
| Noncurrent loans to loans | 0.9477% | 5,414 |
| Net loans and leases to total assets | 86.6756% | 237 |
| Net loans and leases to deposits | 109.1578% | 410 |
| Net loans and leases to core deposits | 119.3657% | 1,996 |
| Total domestic deposits to total assets | 79.4040% | 5,873 |
| Equity capital to assets | 6.9905% | 7,373 |
| Core capital (leverage) ratio | 6.9847% | 7,249 |
| Tier 1 risk-based capital ratio | 9.7508% | 7,062 |
| Total risk-based capital ratio | 10.7631% | 7,192 |
| Memoranda: | ||
| Average total assets | $371,051,800 | 1,837 |
| Average earning assets | $347,529,000 | 1,797 |
| Average equity | $25,307,600 | 2,579 |
| Average total loans | $325,707,800 | 1,478 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5163% | 4,337 |
| Cost of funding earning assets | 1.5123% | 5,768 |
| Net interest margin | 4.0040% | 2,798 |
| Noninterest income to average assets | 0.9376% | 1,826 |
| Noninterest expense to average assets | 3.6577% | 1,911 |
| Loan and lease loss provision to assets | 0.2145% | 5,269 |
| Net operating income to assets | 0.7875% | 2,867 |
| Return on assets (ROA) | 0.8423% | 2,707 |
| Pretax return on assets | 0.8694% | 3,322 |
| Return on Equity (ROE) | 12.4345% | 1,257 |
| Retained earnings to average equity (ytd only) | 12.4345% | 305 |
| Net charge-offs to loans | 0.1064% | 5,604 |
| Credit loss provision to net charge-offs | 229.4118% | 1,902 |
| Earnings coverage of net charge-offs (x) | 10.9883% | 1,893 |
| Efficiency ratio | 77.8273% | 3,191 |
| Assets per employee ($millions) | 3.0672% | 5,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8256% | 7,040 |
| Loan loss allowance to noncurrent loans | 65.1481% | 4,067 |
| Noncurrent assets plus other real estate owned to assets | 1.4495% | 4,212 |
| Noncurrent loans to loans | 1.2673% | 4,825 |
| Net loans and leases to total assets | 88.8939% | 158 |
| Net loans and leases to deposits | 115.6660% | 276 |
| Net loans and leases to core deposits | 127.3667% | 1,633 |
| Total domestic deposits to total assets | 76.8540% | 6,378 |
| Equity capital to assets | 7.0266% | 7,584 |
| Core capital (leverage) ratio | 7.0187% | 7,422 |
| Tier 1 risk-based capital ratio | 9.6613% | 7,267 |
| Total risk-based capital ratio | 10.6800% | 7,389 |
| Memoranda: | ||
| Average total assets | $363,611,000 | 1,884 |
| Average earning assets | $340,315,500 | 1,850 |
| Average equity | $24,629,750 | 2,672 |
| Average total loans | $319,556,000 | 1,526 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4647% | 4,818 |
| Cost of funding earning assets | 1.5620% | 5,876 |
| Net interest margin | 3.9028% | 3,101 |
| Noninterest income to average assets | 1.0590% | 1,413 |
| Noninterest expense to average assets | 3.7248% | 1,787 |
| Loan and lease loss provision to assets | 0.2191% | 4,845 |
| Net operating income to assets | 0.7414% | 3,086 |
| Return on assets (ROA) | 0.8253% | 2,851 |
| Pretax return on assets | 0.8528% | 3,498 |
| Return on Equity (ROE) | 12.3509% | 1,323 |
| Retained earnings to average equity (ytd only) | 12.3509% | 393 |
| Net charge-offs to loans | 0.1236% | 4,925 |
| Credit loss provision to net charge-offs | 203.1250% | 2,246 |
| Earnings coverage of net charge-offs (x) | 9.1354% | 2,168 |
| Efficiency ratio | 78.8287% | 3,216 |
| Assets per employee ($millions) | 2.9806% | 6,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8238% | 7,070 |
| Loan loss allowance to noncurrent loans | 52.6539% | 4,867 |
| Noncurrent assets plus other real estate owned to assets | 1.4541% | 4,064 |
| Noncurrent loans to loans | 1.5645% | 4,151 |
| Net loans and leases to total assets | 87.4518% | 275 |
| Net loans and leases to deposits | 116.2157% | 323 |
| Net loans and leases to core deposits | 129.6031% | 1,599 |
| Total domestic deposits to total assets | 75.2496% | 6,708 |
| Equity capital to assets | 6.6074% | 7,785 |
| Core capital (leverage) ratio | 6.6521% | 7,721 |
| Tier 1 risk-based capital ratio | 9.3324% | 7,520 |
| Total risk-based capital ratio | 10.3510% | 7,650 |
| Memoranda: | ||
| Average total assets | $355,990,670 | 1,949 |
| Average earning assets | $333,043,670 | 1,901 |
| Average equity | $23,787,670 | 2,780 |
| Average total loans | $310,604,670 | 1,597 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4554% | 5,148 |
| Cost of funding earning assets | 1.6475% | 5,827 |
| Net interest margin | 3.8079% | 3,415 |
| Noninterest income to average assets | 0.7787% | 2,433 |
| Noninterest expense to average assets | 3.7781% | 1,512 |
| Loan and lease loss provision to assets | 0.2253% | 4,201 |
| Net operating income to assets | 0.3231% | 5,197 |
| Return on assets (ROA) | 0.4957% | 4,628 |
| Pretax return on assets | 0.5130% | 5,046 |
| Return on Equity (ROE) | 7.3730% | 3,436 |
| Retained earnings to average equity (ytd only) | 7.3730% | 2,066 |
| Net charge-offs to loans | 0.0373% | 4,984 |
| Credit loss provision to net charge-offs | 696.4286% | 852 |
| Earnings coverage of net charge-offs (x) | 17.3214% | 1,514 |
| Efficiency ratio | 86.7909% | 1,984 |
| Assets per employee ($millions) | 2.6902% | 6,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8865% | 6,806 |
| Loan loss allowance to noncurrent loans | 50.5719% | 5,161 |
| Noncurrent assets plus other real estate owned to assets | 1.6113% | 3,505 |
| Noncurrent loans to loans | 1.7529% | 3,635 |
| Net loans and leases to total assets | 86.2233% | 416 |
| Net loans and leases to deposits | 112.7919% | 487 |
| Net loans and leases to core deposits | 129.8596% | 1,664 |
| Total domestic deposits to total assets | 76.4446% | 6,422 |
| Equity capital to assets | 6.7495% | 7,783 |
| Core capital (leverage) ratio | 6.8425% | 7,736 |
| Tier 1 risk-based capital ratio | 9.6597% | 7,285 |
| Total risk-based capital ratio | 10.7472% | 7,375 |
| Memoranda: | ||
| Average total assets | $346,205,500 | 2,005 |
| Average earning assets | $323,645,500 | 1,961 |
| Average equity | $23,274,000 | 2,848 |
| Average total loans | $300,325,500 | 1,667 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4213% | 3,311 |
| Cost of funding earning assets | 2.1340% | 5,909 |
| Net interest margin | 4.2873% | 2,024 |
| Noninterest income to average assets | 0.9623% | 1,720 |
| Noninterest expense to average assets | 3.9886% | 1,436 |
| Loan and lease loss provision to assets | 0.4946% | 2,844 |
| Net operating income to assets | 0.4445% | 4,973 |
| Return on assets (ROA) | 0.5446% | 4,406 |
| Pretax return on assets | 0.5647% | 4,794 |
| Return on Equity (ROE) | 8.1534% | 3,004 |
| Retained earnings to average equity (ytd only) | 8.1534% | 797 |
| Net charge-offs to loans | 0.5927% | 2,054 |
| Credit loss provision to net charge-offs | 98.3146% | 5,439 |
| Earnings coverage of net charge-offs (x) | 1.8983% | 5,116 |
| Efficiency ratio | 80.4015% | 2,541 |
| Assets per employee ($millions) | 2.6360% | 6,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8536% | 6,885 |
| Loan loss allowance to noncurrent loans | 129.0816% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 0.6537% | 5,259 |
| Noncurrent loans to loans | 0.6613% | 5,381 |
| Net loans and leases to total assets | 85.7577% | 628 |
| Net loans and leases to deposits | 110.5982% | 797 |
| Net loans and leases to core deposits | 127.4313% | 2,044 |
| Total domestic deposits to total assets | 77.5399% | 5,862 |
| Equity capital to assets | 6.6951% | 7,873 |
| Core capital (leverage) ratio | 6.8086% | 7,812 |
| Tier 1 risk-based capital ratio | 9.7402% | 7,031 |
| Total risk-based capital ratio | 10.7946% | 7,175 |
| Memoranda: | ||
| Average total assets | $318,410,000 | 2,101 |
| Average earning assets | $295,685,800 | 2,069 |
| Average equity | $21,267,200 | 3,068 |
| Average total loans | $270,302,600 | 1,770 |