Home > First State Bank > Performance and Condition Ratios
First State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4795% | 3,128 |
| Cost of funding earning assets | 1.7672% | 1,307 |
| Net interest margin | 2.7123% | 3,803 |
| Noninterest income to average assets | 1.6100% | 360 |
| Noninterest expense to average assets | 2.7810% | 1,550 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.0707% | 2,011 |
| Return on assets (ROA) | 1.0518% | 2,032 |
| Pretax return on assets | 1.3149% | 1,831 |
| Return on Equity (ROE) | 9.7500% | 2,569 |
| Retained earnings to average equity (ytd only) | 5.8526% | 2,306 |
| Net charge-offs to loans | 0.0813% | 1,050 |
| Credit loss provision to net charge-offs | -9.7625% | 4,422 |
| Earnings coverage of net charge-offs (x) | 21.0079% | 1,843 |
| Efficiency ratio | 66.6463% | 2,269 |
| Assets per employee ($millions) | 4.8551% | 3,737 |
| Cash dividends to net income (ytd only)* | 39.9616% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0145% | 3,236 |
| Loan loss allowance to noncurrent loans | 132.3498% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 0.5944% | 930 |
| Noncurrent loans to loans | 0.7665% | 1,015 |
| Net loans and leases to total assets | 76.7600% | 1,008 |
| Net loans and leases to deposits | 97.2606% | 698 |
| Net loans and leases to core deposits | 110.3481% | 950 |
| Total domestic deposits to total assets | 78.9200% | 3,622 |
| Equity capital to assets | 10.9703% | 1,495 |
| Core capital (leverage) ratio | 11.9667% | 1,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $594,816,000 | 1,491 |
| Average earning assets | $550,640,200 | 1,492 |
| Average equity | $64,176,200 | 1,329 |
| Average total loans | $466,121,000 | 1,310 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4125% | 3,080 |
| Cost of funding earning assets | 1.6241% | 1,328 |
| Net interest margin | 2.7884% | 3,740 |
| Noninterest income to average assets | 1.3100% | 455 |
| Noninterest expense to average assets | 2.8137% | 1,402 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8832% | 2,740 |
| Return on assets (ROA) | 0.8573% | 2,819 |
| Pretax return on assets | 1.0550% | 2,696 |
| Return on Equity (ROE) | 7.9800% | 3,193 |
| Retained earnings to average equity (ytd only) | 2.7056% | 3,583 |
| Net charge-offs to loans | 0.1333% | 607 |
| Credit loss provision to net charge-offs | -8.0087% | 4,469 |
| Earnings coverage of net charge-offs (x) | 10.3788% | 2,127 |
| Efficiency ratio | 71.2152% | 1,652 |
| Assets per employee ($millions) | 4.7116% | 3,803 |
| Cash dividends to net income (ytd only)* | 66.1026% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0382% | 3,159 |
| Loan loss allowance to noncurrent loans | 127.9893% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 0.6275% | 928 |
| Noncurrent loans to loans | 0.8112% | 1,021 |
| Net loans and leases to total assets | 76.5600% | 1,054 |
| Net loans and leases to deposits | 90.1894% | 1,226 |
| Net loans and leases to core deposits | 100.9284% | 1,263 |
| Total domestic deposits to total assets | 84.8800% | 2,538 |
| Equity capital to assets | 10.6446% | 1,490 |
| Core capital (leverage) ratio | 11.8514% | 1,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $588,157,000 | 1,512 |
| Average earning assets | $545,682,250 | 1,510 |
| Average equity | $63,176,500 | 1,337 |
| Average total loans | $462,170,000 | 1,315 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 21,799.0000% | 21 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 50,775.0000% | 21 |
| Cost of funding earning assets | 0.0000% | 4,571 |
| Net interest margin | 14.0000% | 16 |
| Noninterest income to average assets | 0.0130% | 4,561 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0000% | 4,418 |
| Return on assets (ROA) | 0.8513% | 2,924 |
| Pretax return on assets | 1.0428% | 2,793 |
| Return on Equity (ROE) | 7.9000% | 3,259 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 2.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 103.0000% | 918 |
| Efficiency ratio | 3.6865% | 4,614 |
| Assets per employee ($millions) | 0.2300% | 4,601 |
| Cash dividends to net income (ytd only)* | 2.2089% | 2,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0182% | 4,518 |
| Total domestic deposits to total assets | 39.0000% | 4,540 |
| Equity capital to assets | 22,983.0000% | 21 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $2,739,000 | 4,641 |
| Average earning assets | $10,390 | 4,610 |
| Average equity | $0 | 4,598 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2670% | 2,883 |
| Cost of funding earning assets | 1.6951% | 582 |
| Net interest margin | 2.5720% | 4,237 |
| Noninterest income to average assets | 1.1400% | 475 |
| Noninterest expense to average assets | 2.8047% | 1,423 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6033% | 3,684 |
| Return on assets (ROA) | 0.6033% | 3,647 |
| Pretax return on assets | 0.7239% | 3,613 |
| Return on Equity (ROE) | 5.7700% | 3,764 |
| Retained earnings to average equity (ytd only) | -10.3387% | 4,483 |
| Net charge-offs to loans | 0.0086% | 1,623 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 107.4000% | 757 |
| Efficiency ratio | 78.4718% | 956 |
| Assets per employee ($millions) | 4.5150% | 4,015 |
| Cash dividends to net income (ytd only)* | 279.3296% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1677% | 2,725 |
| Loan loss allowance to noncurrent loans | 124.2958% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 0.7314% | 665 |
| Noncurrent loans to loans | 0.9394% | 799 |
| Net loans and leases to total assets | 76.9500% | 877 |
| Net loans and leases to deposits | 89.1779% | 1,120 |
| Net loans and leases to core deposits | 93.4027% | 1,429 |
| Total domestic deposits to total assets | 86.2900% | 2,510 |
| Equity capital to assets | 10.6035% | 1,511 |
| Core capital (leverage) ratio | 10.8139% | 1,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $593,439,500 | 1,512 |
| Average earning assets | $551,951,000 | 1,514 |
| Average equity | $62,096,500 | 1,361 |
| Average total loans | $463,174,500 | 1,308 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5048% | 3,063 |
| Cost of funding earning assets | 0.6760% | 654 |
| Net interest margin | 2.8288% | 3,832 |
| Noninterest income to average assets | 1.6700% | 305 |
| Noninterest expense to average assets | 2.5948% | 1,841 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.3040% | 1,409 |
| Return on assets (ROA) | 1.3040% | 1,373 |
| Pretax return on assets | 1.6451% | 1,045 |
| Return on Equity (ROE) | 12.5100% | 1,974 |
| Retained earnings to average equity (ytd only) | 12.5070% | 588 |
| Net charge-offs to loans | -0.0002% | 3,276 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 59.3709% | 3,141 |
| Assets per employee ($millions) | 4.5447% | 4,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1219% | 2,776 |
| Loan loss allowance to noncurrent loans | 3,709.7902% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.0237% | 3,597 |
| Noncurrent loans to loans | 0.0302% | 3,572 |
| Net loans and leases to total assets | 77.3600% | 858 |
| Net loans and leases to deposits | 88.8653% | 1,122 |
| Net loans and leases to core deposits | 92.5105% | 1,364 |
| Total domestic deposits to total assets | 87.0500% | 2,380 |
| Equity capital to assets | 10.3293% | 1,544 |
| Core capital (leverage) ratio | 11.2458% | 1,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $578,396,400 | 1,547 |
| Average earning assets | $538,743,400 | 1,525 |
| Average equity | $60,302,200 | 1,395 |
| Average total loans | $434,912,200 | 1,307 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3046% | 3,165 |
| Cost of funding earning assets | 0.3963% | 1,318 |
| Net interest margin | 2.9083% | 3,479 |
| Noninterest income to average assets | 1.4100% | 379 |
| Noninterest expense to average assets | 2.5699% | 1,794 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2364% | 1,567 |
| Return on assets (ROA) | 1.2364% | 1,543 |
| Pretax return on assets | 1.5525% | 1,260 |
| Return on Equity (ROE) | 11.8300% | 2,087 |
| Retained earnings to average equity (ytd only) | 11.8297% | 831 |
| Net charge-offs to loans | -0.0003% | 3,119 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.4467% | 2,907 |
| Assets per employee ($millions) | 4.4480% | 4,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0794% | 3,104 |
| Loan loss allowance to noncurrent loans | 70,071.4286% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 4,027 |
| Noncurrent loans to loans | 0.0015% | 3,966 |
| Net loans and leases to total assets | 77.7400% | 732 |
| Net loans and leases to deposits | 89.1608% | 951 |
| Net loans and leases to core deposits | 92.8585% | 1,146 |
| Total domestic deposits to total assets | 87.1900% | 2,700 |
| Equity capital to assets | 10.2565% | 1,487 |
| Core capital (leverage) ratio | 11.5265% | 1,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $571,883,750 | 1,568 |
| Average earning assets | $533,260,250 | 1,559 |
| Average equity | $59,769,000 | 1,424 |
| Average total loans | $425,421,000 | 1,318 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1102% | 3,278 |
| Cost of funding earning assets | 0.2772% | 1,935 |
| Net interest margin | 2.8330% | 3,337 |
| Noninterest income to average assets | 1.2430% | 453 |
| Noninterest expense to average assets | 2.5684% | 1,732 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0657% | 1,915 |
| Return on assets (ROA) | 1.0657% | 1,888 |
| Pretax return on assets | 1.3216% | 1,679 |
| Return on Equity (ROE) | 10.1330% | 2,290 |
| Retained earnings to average equity (ytd only) | 10.1330% | 977 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0785% | 2,633 |
| Assets per employee ($millions) | 4.3156% | 4,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1477% | 2,934 |
| Loan loss allowance to noncurrent loans | 54,488.8889% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 4,067 |
| Noncurrent loans to loans | 0.0021% | 4,002 |
| Net loans and leases to total assets | 74.7111% | 838 |
| Net loans and leases to deposits | 85.9773% | 973 |
| Net loans and leases to core deposits | 89.6329% | 1,142 |
| Total domestic deposits to total assets | 86.8963% | 2,973 |
| Equity capital to assets | 10.4558% | 1,452 |
| Core capital (leverage) ratio | 11.2420% | 1,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $569,764,667 | 1,576 |
| Average earning assets | $532,376,000 | 1,575 |
| Average equity | $59,923,000 | 1,441 |
| Average total loans | $415,754,667 | 1,338 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9445% | 3,417 |
| Cost of funding earning assets | 0.2789% | 1,832 |
| Net interest margin | 2.6656% | 3,491 |
| Noninterest income to average assets | 1.2112% | 480 |
| Noninterest expense to average assets | 2.5568% | 1,731 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9455% | 2,090 |
| Return on assets (ROA) | 0.9455% | 2,081 |
| Pretax return on assets | 1.1476% | 1,993 |
| Return on Equity (ROE) | 8.9643% | 2,327 |
| Retained earnings to average equity (ytd only) | 8.9643% | 1,280 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0196% | 2,504 |
| Assets per employee ($millions) | 4.5166% | 4,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2276% | 2,721 |
| Loan loss allowance to noncurrent loans | 12,574.3590% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.0070% | 4,020 |
| Noncurrent loans to loans | 0.0098% | 3,947 |
| Net loans and leases to total assets | 70.4548% | 976 |
| Net loans and leases to deposits | 81.3151% | 1,054 |
| Net loans and leases to core deposits | 84.8174% | 1,200 |
| Total domestic deposits to total assets | 86.6441% | 3,051 |
| Equity capital to assets | 10.6085% | 1,543 |
| Core capital (leverage) ratio | 10.7381% | 1,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $571,972,000 | 1,577 |
| Average earning assets | $534,960,500 | 1,572 |
| Average equity | $60,328,500 | 1,478 |
| Average total loans | $409,990,500 | 1,343 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3018% | 3,214 |
| Cost of funding earning assets | 0.3466% | 1,964 |
| Net interest margin | 2.9552% | 3,304 |
| Noninterest income to average assets | 1.5339% | 480 |
| Noninterest expense to average assets | 2.5457% | 2,038 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.3587% | 1,413 |
| Return on assets (ROA) | 1.3587% | 1,459 |
| Pretax return on assets | 1.7462% | 1,033 |
| Return on Equity (ROE) | 10.7788% | 2,245 |
| Retained earnings to average equity (ytd only) | -14.2850% | 4,795 |
| Net charge-offs to loans | -0.1585% | 4,671 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2055% | 3,415 |
| Assets per employee ($millions) | 4.8657% | 3,838 |
| Cash dividends to net income (ytd only)* | 232.5281% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1663% | 3,040 |
| Loan loss allowance to noncurrent loans | 2,919.0476% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.0288% | 3,837 |
| Noncurrent loans to loans | 0.0400% | 3,785 |
| Net loans and leases to total assets | 71.1758% | 909 |
| Net loans and leases to deposits | 82.2917% | 1,038 |
| Net loans and leases to core deposits | 86.3799% | 1,175 |
| Total domestic deposits to total assets | 86.4920% | 2,715 |
| Equity capital to assets | 10.4889% | 2,185 |
| Core capital (leverage) ratio | 9.9108% | 2,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $569,742,400 | 1,513 |
| Average earning assets | $531,744,000 | 1,513 |
| Average equity | $71,816,800 | 1,321 |
| Average total loans | $399,426,800 | 1,374 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4026% | 3,092 |
| Cost of funding earning assets | 0.3592% | 2,033 |
| Net interest margin | 3.0434% | 3,198 |
| Noninterest income to average assets | 1.2422% | 748 |
| Noninterest expense to average assets | 2.5119% | 2,086 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2327% | 2,052 |
| Return on assets (ROA) | 1.2327% | 2,115 |
| Pretax return on assets | 1.5676% | 1,801 |
| Return on Equity (ROE) | 9.3739% | 2,974 |
| Retained earnings to average equity (ytd only) | 9.3739% | 1,541 |
| Net charge-offs to loans | -0.2141% | 4,777 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3902% | 2,931 |
| Assets per employee ($millions) | 4.9982% | 3,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2496% | 2,739 |
| Loan loss allowance to noncurrent loans | 14,011.4286% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 4,218 |
| Noncurrent loans to loans | 0.0089% | 4,142 |
| Net loans and leases to total assets | 63.0358% | 1,886 |
| Net loans and leases to deposits | 73.8625% | 1,870 |
| Net loans and leases to core deposits | 77.3686% | 1,928 |
| Total domestic deposits to total assets | 85.3420% | 3,004 |
| Equity capital to assets | 12.5395% | 1,156 |
| Core capital (leverage) ratio | 12.9010% | 870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $566,207,000 | 1,537 |
| Average earning assets | $527,855,250 | 1,538 |
| Average equity | $74,460,250 | 1,301 |
| Average total loans | $394,161,500 | 1,422 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5027% | 2,883 |
| Cost of funding earning assets | 0.3911% | 1,960 |
| Net interest margin | 3.1116% | 3,000 |
| Noninterest income to average assets | 1.2040% | 800 |
| Noninterest expense to average assets | 2.5948% | 1,873 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1898% | 2,227 |
| Return on assets (ROA) | 1.1898% | 2,294 |
| Pretax return on assets | 1.5083% | 1,987 |
| Return on Equity (ROE) | 8.8933% | 3,131 |
| Retained earnings to average equity (ytd only) | 8.8933% | 1,741 |
| Net charge-offs to loans | -0.0020% | 3,200 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0347% | 2,723 |
| Assets per employee ($millions) | 4.1926% | 4,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1166% | 3,341 |
| Loan loss allowance to noncurrent loans | 13,356.2500% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.0060% | 4,274 |
| Noncurrent loans to loans | 0.0084% | 4,199 |
| Net loans and leases to total assets | 70.5320% | 1,140 |
| Net loans and leases to deposits | 84.4623% | 1,031 |
| Net loans and leases to core deposits | 88.4316% | 1,243 |
| Total domestic deposits to total assets | 83.5070% | 3,574 |
| Equity capital to assets | 14.0044% | 716 |
| Core capital (leverage) ratio | 13.2058% | 758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $550,016,667 | 1,574 |
| Average earning assets | $512,463,000 | 1,569 |
| Average equity | $73,583,667 | 1,307 |
| Average total loans | $394,737,333 | 1,430 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3535% | 3,334 |
| Cost of funding earning assets | 0.4464% | 1,751 |
| Net interest margin | 2.9071% | 3,495 |
| Noninterest income to average assets | 1.1568% | 911 |
| Noninterest expense to average assets | 2.5493% | 2,030 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0433% | 2,660 |
| Return on assets (ROA) | 1.0433% | 2,743 |
| Pretax return on assets | 1.3120% | 2,533 |
| Return on Equity (ROE) | 7.9782% | 3,328 |
| Retained earnings to average equity (ytd only) | 7.9782% | 2,246 |
| Net charge-offs to loans | -0.0020% | 3,136 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7562% | 2,375 |
| Assets per employee ($millions) | 4.7233% | 3,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0944% | 3,467 |
| Loan loss allowance to noncurrent loans | 10,956.4103% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.0069% | 4,339 |
| Noncurrent loans to loans | 0.0100% | 4,264 |
| Net loans and leases to total assets | 68.1301% | 1,518 |
| Net loans and leases to deposits | 80.4961% | 1,478 |
| Net loans and leases to core deposits | 84.2916% | 1,653 |
| Total domestic deposits to total assets | 84.6377% | 3,241 |
| Equity capital to assets | 12.9265% | 934 |
| Core capital (leverage) ratio | 12.8802% | 868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $556,698,500 | 1,545 |
| Average earning assets | $517,913,000 | 1,541 |
| Average equity | $72,798,000 | 1,313 |
| Average total loans | $400,713,000 | 1,410 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0357% | 2,617 |
| Cost of funding earning assets | 0.8750% | 928 |
| Net interest margin | 3.1607% | 3,463 |
| Noninterest income to average assets | 1.5431% | 511 |
| Noninterest expense to average assets | 2.7288% | 2,145 |
| Loan and lease loss provision to assets | 0.1164% | 2,898 |
| Net operating income to assets | 1.2973% | 1,258 |
| Return on assets (ROA) | 1.2973% | 1,356 |
| Pretax return on assets | 1.6241% | 1,017 |
| Return on Equity (ROE) | 9.6594% | 2,140 |
| Retained earnings to average equity (ytd only) | 5.1320% | 2,221 |
| Net charge-offs to loans | 0.1356% | 1,192 |
| Credit loss provision to net charge-offs | 107.8431% | 2,742 |
| Earnings coverage of net charge-offs (x) | 16.1230% | 2,145 |
| Efficiency ratio | 59.8812% | 3,478 |
| Assets per employee ($millions) | 4.6323% | 3,780 |
| Cash dividends to net income (ytd only)* | 46.8704% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0392% | 3,724 |
| Loan loss allowance to noncurrent loans | 1,290.3323% | 545 |
| Noncurrent assets plus other real estate owned to assets | 0.0606% | 4,042 |
| Noncurrent loans to loans | 0.0805% | 3,966 |
| Net loans and leases to total assets | 74.4095% | 967 |
| Net loans and leases to deposits | 88.3354% | 1,054 |
| Net loans and leases to core deposits | 97.4969% | 1,034 |
| Total domestic deposits to total assets | 84.2353% | 3,041 |
| Equity capital to assets | 13.2326% | 1,016 |
| Core capital (leverage) ratio | 13.4937% | 786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $519,677,600 | 1,489 |
| Average earning assets | $481,127,800 | 1,504 |
| Average equity | $69,797,200 | 1,298 |
| Average total loans | $413,730,800 | 1,313 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1659% | 2,476 |
| Cost of funding earning assets | 0.9663% | 857 |
| Net interest margin | 3.1996% | 3,496 |
| Noninterest income to average assets | 1.3472% | 605 |
| Noninterest expense to average assets | 2.7657% | 2,071 |
| Loan and lease loss provision to assets | 0.1066% | 2,983 |
| Net operating income to assets | 1.1408% | 1,849 |
| Return on assets (ROA) | 1.1408% | 1,963 |
| Pretax return on assets | 1.4366% | 1,612 |
| Return on Equity (ROE) | 8.4608% | 2,617 |
| Retained earnings to average equity (ytd only) | 2.3692% | 3,792 |
| Net charge-offs to loans | -0.0019% | 3,882 |
| Credit loss provision to net charge-offs | -6,833.3333% | 4,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9547% | 2,921 |
| Assets per employee ($millions) | 4.5256% | 3,820 |
| Cash dividends to net income (ytd only)* | 71.9982% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1122% | 3,143 |
| Loan loss allowance to noncurrent loans | 344.1809% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.2505% | 3,180 |
| Noncurrent loans to loans | 0.3231% | 3,126 |
| Net loans and leases to total assets | 76.6546% | 1,008 |
| Net loans and leases to deposits | 90.7323% | 1,194 |
| Net loans and leases to core deposits | 100.4240% | 1,133 |
| Total domestic deposits to total assets | 84.4843% | 2,638 |
| Equity capital to assets | 12.9899% | 1,187 |
| Core capital (leverage) ratio | 12.8390% | 993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $512,945,500 | 1,488 |
| Average earning assets | $474,790,250 | 1,502 |
| Average equity | $69,164,000 | 1,297 |
| Average total loans | $414,414,000 | 1,309 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3370% | 2,372 |
| Cost of funding earning assets | 1.0536% | 830 |
| Net interest margin | 3.2834% | 3,424 |
| Noninterest income to average assets | 1.3120% | 597 |
| Noninterest expense to average assets | 2.8409% | 1,998 |
| Loan and lease loss provision to assets | 0.0852% | 3,213 |
| Net operating income to assets | 1.1324% | 1,868 |
| Return on assets (ROA) | 1.1324% | 1,985 |
| Pretax return on assets | 1.4219% | 1,670 |
| Return on Equity (ROE) | 8.2903% | 2,636 |
| Retained earnings to average equity (ytd only) | -0.8824% | 4,460 |
| Net charge-offs to loans | -0.0019% | 3,817 |
| Credit loss provision to net charge-offs | -5,375.0000% | 4,113 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0981% | 2,810 |
| Assets per employee ($millions) | 4.2216% | 4,082 |
| Cash dividends to net income (ytd only)* | 110.6443% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0423% | 3,357 |
| Loan loss allowance to noncurrent loans | 261.9918% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.3216% | 3,028 |
| Noncurrent loans to loans | 0.3978% | 2,979 |
| Net loans and leases to total assets | 79.9891% | 597 |
| Net loans and leases to deposits | 96.2085% | 780 |
| Net loans and leases to core deposits | 106.0848% | 891 |
| Total domestic deposits to total assets | 83.1414% | 3,048 |
| Equity capital to assets | 12.9780% | 1,175 |
| Core capital (leverage) ratio | 12.7632% | 1,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $504,410,333 | 1,485 |
| Average earning assets | $466,409,333 | 1,493 |
| Average equity | $68,899,667 | 1,290 |
| Average total loans | $413,396,333 | 1,295 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4366% | 2,485 |
| Cost of funding earning assets | 1.2185% | 724 |
| Net interest margin | 3.2182% | 3,812 |
| Noninterest income to average assets | 1.3613% | 481 |
| Noninterest expense to average assets | 2.9345% | 2,038 |
| Loan and lease loss provision to assets | 0.0731% | 2,819 |
| Net operating income to assets | 1.0658% | 1,945 |
| Return on assets (ROA) | 1.0658% | 2,052 |
| Pretax return on assets | 1.3296% | 1,783 |
| Return on Equity (ROE) | 7.5998% | 2,686 |
| Retained earnings to average equity (ytd only) | 7.5998% | 1,349 |
| Net charge-offs to loans | -0.0020% | 3,652 |
| Credit loss provision to net charge-offs | -4,500.0000% | 3,851 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3859% | 2,896 |
| Assets per employee ($millions) | 4.0880% | 3,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0554% | 3,419 |
| Loan loss allowance to noncurrent loans | 424.2633% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 0.2041% | 3,665 |
| Noncurrent loans to loans | 0.2488% | 3,597 |
| Net loans and leases to total assets | 81.1837% | 542 |
| Net loans and leases to deposits | 99.0235% | 625 |
| Net loans and leases to core deposits | 111.0317% | 800 |
| Total domestic deposits to total assets | 81.9843% | 3,424 |
| Equity capital to assets | 14.0088% | 1,055 |
| Core capital (leverage) ratio | 13.8278% | 952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $492,764,500 | 1,482 |
| Average earning assets | $455,660,500 | 1,479 |
| Average equity | $69,107,000 | 1,274 |
| Average total loans | $406,819,500 | 1,280 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6139% | 2,560 |
| Cost of funding earning assets | 1.3489% | 662 |
| Net interest margin | 3.2650% | 4,054 |
| Noninterest income to average assets | 1.6395% | 351 |
| Noninterest expense to average assets | 2.9585% | 2,125 |
| Loan and lease loss provision to assets | 0.0733% | 2,535 |
| Net operating income to assets | 1.2888% | 1,734 |
| Return on assets (ROA) | 1.2934% | 1,795 |
| Pretax return on assets | 1.6268% | 1,408 |
| Return on Equity (ROE) | 9.2967% | 2,612 |
| Retained earnings to average equity (ytd only) | 9.2967% | 638 |
| Net charge-offs to loans | -0.0018% | 4,217 |
| Credit loss provision to net charge-offs | -4,857.1429% | 4,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2621% | 3,337 |
| Assets per employee ($millions) | 3.9901% | 3,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0452% | 3,247 |
| Loan loss allowance to noncurrent loans | 1,437.7551% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.0604% | 4,321 |
| Noncurrent loans to loans | 0.0727% | 4,239 |
| Net loans and leases to total assets | 82.2117% | 535 |
| Net loans and leases to deposits | 100.4985% | 569 |
| Net loans and leases to core deposits | 112.3212% | 741 |
| Total domestic deposits to total assets | 81.8040% | 3,561 |
| Equity capital to assets | 14.0402% | 1,083 |
| Core capital (leverage) ratio | 14.0311% | 919 |
| Tier 1 risk-based capital ratio | 15.0965% | 2,744 |
| Total risk-based capital ratio | 16.0499% | 2,793 |
| Memoranda: | ||
| Average total assets | $464,045,800 | 1,512 |
| Average earning assets | $428,272,200 | 1,511 |
| Average equity | $64,560,600 | 1,305 |
| Average total loans | $378,529,800 | 1,333 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6240% | 2,645 |
| Cost of funding earning assets | 1.3570% | 662 |
| Net interest margin | 3.2670% | 4,149 |
| Noninterest income to average assets | 1.3779% | 488 |
| Noninterest expense to average assets | 2.9487% | 2,105 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1134% | 2,524 |
| Return on assets (ROA) | 1.1196% | 2,583 |
| Pretax return on assets | 1.4533% | 2,107 |
| Return on Equity (ROE) | 8.0672% | 3,273 |
| Retained earnings to average equity (ytd only) | 8.0672% | 1,362 |
| Net charge-offs to loans | -0.0018% | 4,048 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5766% | 2,785 |
| Assets per employee ($millions) | 3.9496% | 3,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0248% | 3,431 |
| Loan loss allowance to noncurrent loans | 1,237.2611% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.0657% | 4,385 |
| Noncurrent loans to loans | 0.0828% | 4,271 |
| Net loans and leases to total assets | 78.5103% | 1,055 |
| Net loans and leases to deposits | 95.9282% | 1,023 |
| Net loans and leases to core deposits | 108.2081% | 1,041 |
| Total domestic deposits to total assets | 81.8428% | 3,513 |
| Equity capital to assets | 13.7494% | 1,253 |
| Core capital (leverage) ratio | 13.7891% | 1,041 |
| Tier 1 risk-based capital ratio | 15.4269% | 2,660 |
| Total risk-based capital ratio | 16.3600% | 2,731 |
| Memoranda: | ||
| Average total assets | $458,360,500 | 1,534 |
| Average earning assets | $423,173,000 | 1,541 |
| Average equity | $63,614,250 | 1,317 |
| Average total loans | $372,056,500 | 1,360 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6071% | 2,656 |
| Cost of funding earning assets | 1.3169% | 701 |
| Net interest margin | 3.2902% | 4,165 |
| Noninterest income to average assets | 1.3677% | 466 |
| Noninterest expense to average assets | 2.9479% | 2,146 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1278% | 2,412 |
| Return on assets (ROA) | 1.1278% | 2,488 |
| Pretax return on assets | 1.4664% | 1,970 |
| Return on Equity (ROE) | 8.0997% | 3,250 |
| Retained earnings to average equity (ytd only) | 8.0997% | 1,351 |
| Net charge-offs to loans | -0.0022% | 3,966 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2361% | 2,934 |
| Assets per employee ($millions) | 3.7135% | 4,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0367% | 3,406 |
| Loan loss allowance to noncurrent loans | 723.2775% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.1176% | 4,170 |
| Noncurrent loans to loans | 0.1433% | 4,040 |
| Net loans and leases to total assets | 81.1702% | 707 |
| Net loans and leases to deposits | 99.2829% | 732 |
| Net loans and leases to core deposits | 111.7918% | 874 |
| Total domestic deposits to total assets | 81.7565% | 3,589 |
| Equity capital to assets | 14.1131% | 1,085 |
| Core capital (leverage) ratio | 13.8402% | 1,012 |
| Tier 1 risk-based capital ratio | 15.4822% | 2,632 |
| Total risk-based capital ratio | 16.4390% | 2,685 |
| Memoranda: | ||
| Average total assets | $451,846,000 | 1,559 |
| Average earning assets | $418,396,000 | 1,559 |
| Average equity | $62,916,000 | 1,324 |
| Average total loans | $369,712,330 | 1,375 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4928% | 2,896 |
| Cost of funding earning assets | 1.2236% | 842 |
| Net interest margin | 3.2693% | 4,233 |
| Noninterest income to average assets | 1.3521% | 470 |
| Noninterest expense to average assets | 2.9676% | 2,083 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0824% | 2,538 |
| Return on assets (ROA) | 1.0824% | 2,580 |
| Pretax return on assets | 1.4072% | 2,056 |
| Return on Equity (ROE) | 7.8272% | 3,333 |
| Retained earnings to average equity (ytd only) | 7.8272% | 1,727 |
| Net charge-offs to loans | -0.0022% | 3,867 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2665% | 2,906 |
| Assets per employee ($millions) | 3.7981% | 4,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0368% | 3,484 |
| Loan loss allowance to noncurrent loans | 1,102.8409% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.0779% | 4,417 |
| Noncurrent loans to loans | 0.0940% | 4,325 |
| Net loans and leases to total assets | 81.9821% | 589 |
| Net loans and leases to deposits | 98.7614% | 723 |
| Net loans and leases to core deposits | 112.0357% | 828 |
| Total domestic deposits to total assets | 83.0103% | 3,382 |
| Equity capital to assets | 13.9229% | 1,071 |
| Core capital (leverage) ratio | 14.0144% | 953 |
| Tier 1 risk-based capital ratio | 15.0723% | 2,857 |
| Total risk-based capital ratio | 16.0246% | 2,913 |
| Memoranda: | ||
| Average total assets | $449,388,500 | 1,576 |
| Average earning assets | $415,508,000 | 1,571 |
| Average equity | $62,142,500 | 1,334 |
| Average total loans | $367,249,500 | 1,383 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2953% | 3,131 |
| Cost of funding earning assets | 0.9980% | 754 |
| Net interest margin | 3.2974% | 4,263 |
| Noninterest income to average assets | 1.6937% | 334 |
| Noninterest expense to average assets | 3.0045% | 2,035 |
| Loan and lease loss provision to assets | 0.0611% | 2,935 |
| Net operating income to assets | 1.2680% | 1,923 |
| Return on assets (ROA) | 1.2680% | 1,917 |
| Pretax return on assets | 1.6688% | 1,253 |
| Return on Equity (ROE) | 9.6234% | 2,678 |
| Retained earnings to average equity (ytd only) | 9.6234% | 701 |
| Net charge-offs to loans | 0.0358% | 2,688 |
| Credit loss provision to net charge-offs | 212.5984% | 1,361 |
| Earnings coverage of net charge-offs (x) | 60.1811% | 1,019 |
| Efficiency ratio | 61.9879% | 3,528 |
| Assets per employee ($millions) | 3.7865% | 4,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0775% | 3,236 |
| Loan loss allowance to noncurrent loans | 3,766.9903% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.0316% | 4,699 |
| Noncurrent loans to loans | 0.0286% | 4,640 |
| Net loans and leases to total assets | 79.7217% | 980 |
| Net loans and leases to deposits | 95.8104% | 1,091 |
| Net loans and leases to core deposits | 113.5071% | 799 |
| Total domestic deposits to total assets | 83.2078% | 3,262 |
| Equity capital to assets | 13.7325% | 1,052 |
| Core capital (leverage) ratio | 13.7535% | 996 |
| Tier 1 risk-based capital ratio | 15.0127% | 2,828 |
| Total risk-based capital ratio | 15.9812% | 2,881 |
| Memoranda: | ||
| Average total assets | $441,806,200 | 1,559 |
| Average earning assets | $407,417,400 | 1,561 |
| Average equity | $58,212,200 | 1,355 |
| Average total loans | $355,227,200 | 1,383 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2321% | 3,197 |
| Cost of funding earning assets | 0.9708% | 681 |
| Net interest margin | 3.2613% | 4,379 |
| Noninterest income to average assets | 1.5619% | 400 |
| Noninterest expense to average assets | 2.9864% | 2,050 |
| Loan and lease loss provision to assets | 0.0817% | 2,315 |
| Net operating income to assets | 1.1485% | 2,441 |
| Return on assets (ROA) | 1.1485% | 2,453 |
| Pretax return on assets | 1.5041% | 1,887 |
| Return on Equity (ROE) | 8.8111% | 3,182 |
| Retained earnings to average equity (ytd only) | 8.8111% | 1,299 |
| Net charge-offs to loans | 0.0478% | 2,143 |
| Credit loss provision to net charge-offs | 212.5984% | 1,322 |
| Earnings coverage of net charge-offs (x) | 41.2596% | 1,329 |
| Efficiency ratio | 63.7874% | 3,217 |
| Assets per employee ($millions) | 3.5655% | 4,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1229% | 3,059 |
| Loan loss allowance to noncurrent loans | 1,204.9689% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.0828% | 4,556 |
| Noncurrent loans to loans | 0.0932% | 4,470 |
| Net loans and leases to total assets | 78.5395% | 1,245 |
| Net loans and leases to deposits | 95.0682% | 1,265 |
| Net loans and leases to core deposits | 111.6635% | 930 |
| Total domestic deposits to total assets | 82.6139% | 3,427 |
| Equity capital to assets | 13.6242% | 1,091 |
| Core capital (leverage) ratio | 13.6003% | 1,062 |
| Tier 1 risk-based capital ratio | 15.1289% | 2,825 |
| Total risk-based capital ratio | 16.1363% | 2,849 |
| Memoranda: | ||
| Average total assets | $440,557,000 | 1,573 |
| Average earning assets | $406,658,250 | 1,574 |
| Average equity | $57,426,000 | 1,371 |
| Average total loans | $354,014,250 | 1,388 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1590% | 3,245 |
| Cost of funding earning assets | 0.9303% | 637 |
| Net interest margin | 3.2287% | 4,442 |
| Noninterest income to average assets | 1.3042% | 567 |
| Noninterest expense to average assets | 2.9705% | 2,132 |
| Loan and lease loss provision to assets | 0.0814% | 2,281 |
| Net operating income to assets | 0.9394% | 3,276 |
| Return on assets (ROA) | 0.9394% | 3,282 |
| Pretax return on assets | 1.2269% | 2,841 |
| Return on Equity (ROE) | 7.3152% | 3,791 |
| Retained earnings to average equity (ytd only) | 7.3152% | 1,913 |
| Net charge-offs to loans | 0.0729% | 1,604 |
| Credit loss provision to net charge-offs | 138.4615% | 1,655 |
| Earnings coverage of net charge-offs (x) | 22.2615% | 1,749 |
| Efficiency ratio | 67.7971% | 2,680 |
| Assets per employee ($millions) | 3.5854% | 4,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0782% | 3,395 |
| Loan loss allowance to noncurrent loans | 968.5422% | 618 |
| Noncurrent assets plus other real estate owned to assets | 0.0894% | 4,570 |
| Noncurrent loans to loans | 0.1113% | 4,411 |
| Net loans and leases to total assets | 79.4303% | 1,106 |
| Net loans and leases to deposits | 96.1655% | 1,119 |
| Net loans and leases to core deposits | 117.6859% | 643 |
| Total domestic deposits to total assets | 82.5975% | 3,527 |
| Equity capital to assets | 13.2058% | 1,221 |
| Core capital (leverage) ratio | 12.9503% | 1,241 |
| Tier 1 risk-based capital ratio | 14.5614% | 3,090 |
| Total risk-based capital ratio | 15.5379% | 3,135 |
| Memoranda: | ||
| Average total assets | $442,412,670 | 1,574 |
| Average earning assets | $407,598,670 | 1,580 |
| Average equity | $56,813,330 | 1,382 |
| Average total loans | $356,846,000 | 1,371 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0610% | 3,370 |
| Cost of funding earning assets | 0.8641% | 711 |
| Net interest margin | 3.1969% | 4,467 |
| Noninterest income to average assets | 1.3072% | 545 |
| Noninterest expense to average assets | 2.9975% | 2,067 |
| Loan and lease loss provision to assets | 0.0809% | 2,167 |
| Net operating income to assets | 0.8910% | 3,333 |
| Return on assets (ROA) | 0.8910% | 3,343 |
| Pretax return on assets | 1.1625% | 2,922 |
| Return on Equity (ROE) | 7.0362% | 3,774 |
| Retained earnings to average equity (ytd only) | 7.0362% | 2,268 |
| Net charge-offs to loans | -0.0011% | 3,762 |
| Credit loss provision to net charge-offs | -9,000.0000% | 4,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0481% | 2,657 |
| Assets per employee ($millions) | 3.6104% | 4,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0700% | 3,549 |
| Loan loss allowance to noncurrent loans | 1,649.5690% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.0531% | 4,834 |
| Noncurrent loans to loans | 0.0649% | 4,685 |
| Net loans and leases to total assets | 80.9936% | 790 |
| Net loans and leases to deposits | 97.8637% | 872 |
| Net loans and leases to core deposits | 116.8497% | 700 |
| Total domestic deposits to total assets | 82.7617% | 3,741 |
| Equity capital to assets | 12.9824% | 1,255 |
| Core capital (leverage) ratio | 13.0731% | 1,155 |
| Tier 1 risk-based capital ratio | 14.0658% | 3,347 |
| Total risk-based capital ratio | 15.0391% | 3,408 |
| Memoranda: | ||
| Average total assets | $444,909,000 | 1,577 |
| Average earning assets | $408,271,500 | 1,590 |
| Average equity | $56,337,500 | 1,401 |
| Average total loans | $359,653,500 | 1,369 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0381% | 3,282 |
| Cost of funding earning assets | 0.6354% | 1,382 |
| Net interest margin | 3.4026% | 3,846 |
| Noninterest income to average assets | 1.9234% | 310 |
| Noninterest expense to average assets | 3.0222% | 2,100 |
| Loan and lease loss provision to assets | 0.0866% | 2,458 |
| Net operating income to assets | 1.1717% | 1,610 |
| Return on assets (ROA) | 1.1717% | 1,635 |
| Pretax return on assets | 1.9607% | 537 |
| Return on Equity (ROE) | 9.0770% | 2,280 |
| Retained earnings to average equity (ytd only) | 9.0770% | 494 |
| Net charge-offs to loans | 0.0071% | 3,823 |
| Credit loss provision to net charge-offs | 1,500.0000% | 262 |
| Earnings coverage of net charge-offs (x) | 354.7083% | 248 |
| Efficiency ratio | 58.1452% | 4,507 |
| Assets per employee ($millions) | 3.7747% | 4,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0333% | 3,719 |
| Loan loss allowance to noncurrent loans | 1,465.4902% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.0563% | 4,852 |
| Noncurrent loans to loans | 0.0705% | 4,683 |
| Net loans and leases to total assets | 79.0171% | 1,118 |
| Net loans and leases to deposits | 105.2731% | 432 |
| Net loans and leases to core deposits | 120.1916% | 575 |
| Total domestic deposits to total assets | 75.0591% | 5,087 |
| Equity capital to assets | 12.3543% | 1,603 |
| Core capital (leverage) ratio | 12.9601% | 1,158 |
| Tier 1 risk-based capital ratio | 13.5650% | 3,592 |
| Total risk-based capital ratio | 14.4932% | 3,693 |
| Memoranda: | ||
| Average total assets | $415,816,600 | 1,651 |
| Average earning assets | $384,466,200 | 1,651 |
| Average equity | $53,674,200 | 1,434 |
| Average total loans | $336,882,400 | 1,422 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0207% | 3,277 |
| Cost of funding earning assets | 0.6176% | 1,416 |
| Net interest margin | 3.4031% | 3,840 |
| Noninterest income to average assets | 1.9235% | 327 |
| Noninterest expense to average assets | 3.0583% | 1,927 |
| Loan and lease loss provision to assets | 0.0886% | 2,308 |
| Net operating income to assets | 1.2555% | 1,491 |
| Return on assets (ROA) | 1.2555% | 1,517 |
| Pretax return on assets | 1.9485% | 610 |
| Return on Equity (ROE) | 9.6113% | 2,301 |
| Retained earnings to average equity (ytd only) | 9.6113% | 679 |
| Net charge-offs to loans | 0.0105% | 3,347 |
| Credit loss provision to net charge-offs | 1,038.4615% | 345 |
| Earnings coverage of net charge-offs (x) | 238.8558% | 368 |
| Efficiency ratio | 58.5286% | 4,425 |
| Assets per employee ($millions) | 3.4229% | 4,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0715% | 3,660 |
| Loan loss allowance to noncurrent loans | 1,056.5217% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.0840% | 4,819 |
| Noncurrent loans to loans | 0.1014% | 4,660 |
| Net loans and leases to total assets | 81.9344% | 701 |
| Net loans and leases to deposits | 101.1028% | 672 |
| Net loans and leases to core deposits | 125.1704% | 428 |
| Total domestic deposits to total assets | 81.0406% | 4,035 |
| Equity capital to assets | 13.4266% | 1,188 |
| Core capital (leverage) ratio | 13.3627% | 1,078 |
| Tier 1 risk-based capital ratio | 14.2956% | 3,303 |
| Total risk-based capital ratio | 15.2705% | 3,346 |
| Memoranda: | ||
| Average total assets | $406,531,000 | 1,691 |
| Average earning assets | $378,900,000 | 1,684 |
| Average equity | $53,102,750 | 1,461 |
| Average total loans | $330,690,000 | 1,454 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9541% | 3,364 |
| Cost of funding earning assets | 0.5836% | 1,553 |
| Net interest margin | 3.3705% | 3,876 |
| Noninterest income to average assets | 1.7600% | 383 |
| Noninterest expense to average assets | 3.0623% | 1,934 |
| Loan and lease loss provision to assets | 0.0889% | 2,205 |
| Net operating income to assets | 1.1350% | 1,836 |
| Return on assets (ROA) | 1.1350% | 1,887 |
| Pretax return on assets | 1.7535% | 937 |
| Return on Equity (ROE) | 8.7714% | 2,618 |
| Retained earnings to average equity (ytd only) | 8.7714% | 909 |
| Net charge-offs to loans | 0.0177% | 2,894 |
| Credit loss provision to net charge-offs | 620.6897% | 552 |
| Earnings coverage of net charge-offs (x) | 128.6897% | 551 |
| Efficiency ratio | 60.8757% | 4,185 |
| Assets per employee ($millions) | 3.3105% | 4,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0672% | 3,751 |
| Loan loss allowance to noncurrent loans | 466.7543% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.1948% | 4,394 |
| Noncurrent loans to loans | 0.2286% | 4,209 |
| Net loans and leases to total assets | 84.2933% | 412 |
| Net loans and leases to deposits | 104.7241% | 456 |
| Net loans and leases to core deposits | 120.5515% | 538 |
| Total domestic deposits to total assets | 80.4908% | 4,307 |
| Equity capital to assets | 13.7303% | 1,065 |
| Core capital (leverage) ratio | 12.2403% | 1,505 |
| Tier 1 risk-based capital ratio | 14.5869% | 3,120 |
| Total risk-based capital ratio | 15.5861% | 3,171 |
| Memoranda: | ||
| Average total assets | $405,124,000 | 1,699 |
| Average earning assets | $377,987,670 | 1,691 |
| Average equity | $52,420,330 | 1,479 |
| Average total loans | $327,522,670 | 1,467 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7758% | 3,844 |
| Cost of funding earning assets | 0.5651% | 1,621 |
| Net interest margin | 3.2107% | 4,308 |
| Noninterest income to average assets | 1.9206% | 329 |
| Noninterest expense to average assets | 2.8877% | 2,497 |
| Loan and lease loss provision to assets | 0.0873% | 2,081 |
| Net operating income to assets | 1.2552% | 1,362 |
| Return on assets (ROA) | 1.2552% | 1,393 |
| Pretax return on assets | 1.9439% | 565 |
| Return on Equity (ROE) | 9.9899% | 1,965 |
| Retained earnings to average equity (ytd only) | 9.9899% | 808 |
| Net charge-offs to loans | -0.0037% | 4,104 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,640 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1879% | 4,816 |
| Assets per employee ($millions) | 3.5556% | 4,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0689% | 3,888 |
| Loan loss allowance to noncurrent loans | 346.2834% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.2468% | 4,227 |
| Noncurrent loans to loans | 0.3087% | 4,017 |
| Net loans and leases to total assets | 79.0889% | 970 |
| Net loans and leases to deposits | 99.5591% | 644 |
| Net loans and leases to core deposits | 111.6752% | 786 |
| Total domestic deposits to total assets | 79.4391% | 4,728 |
| Equity capital to assets | 12.8391% | 1,332 |
| Core capital (leverage) ratio | 12.0122% | 1,621 |
| Tier 1 risk-based capital ratio | 14.4728% | 3,218 |
| Total risk-based capital ratio | 15.4673% | 3,272 |
| Memoranda: | ||
| Average total assets | $412,365,500 | 1,687 |
| Average earning assets | $385,084,500 | 1,675 |
| Average equity | $51,812,500 | 1,492 |
| Average total loans | $324,866,000 | 1,485 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8163% | 3,848 |
| Cost of funding earning assets | 0.5899% | 1,406 |
| Net interest margin | 3.2264% | 4,364 |
| Noninterest income to average assets | 1.8486% | 380 |
| Noninterest expense to average assets | 2.8604% | 2,815 |
| Loan and lease loss provision to assets | 0.0898% | 2,572 |
| Net operating income to assets | 1.2412% | 1,374 |
| Return on assets (ROA) | 1.2433% | 1,456 |
| Pretax return on assets | 1.9079% | 612 |
| Return on Equity (ROE) | 10.2018% | 1,877 |
| Retained earnings to average equity (ytd only) | 10.2018% | 384 |
| Net charge-offs to loans | 0.0106% | 3,912 |
| Credit loss provision to net charge-offs | 1,090.9091% | 359 |
| Earnings coverage of net charge-offs (x) | 242.3333% | 292 |
| Efficiency ratio | 57.1252% | 4,942 |
| Assets per employee ($millions) | 3.8150% | 4,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0534% | 3,989 |
| Loan loss allowance to noncurrent loans | 374.5595% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 0.2184% | 4,433 |
| Noncurrent loans to loans | 0.2812% | 4,149 |
| Net loans and leases to total assets | 76.8204% | 1,393 |
| Net loans and leases to deposits | 94.7827% | 1,115 |
| Net loans and leases to core deposits | 104.6780% | 1,234 |
| Total domestic deposits to total assets | 81.0489% | 4,321 |
| Equity capital to assets | 12.2949% | 1,635 |
| Core capital (leverage) ratio | 12.4335% | 1,367 |
| Tier 1 risk-based capital ratio | 14.1091% | 3,406 |
| Total risk-based capital ratio | 15.0702% | 3,477 |
| Memoranda: | ||
| Average total assets | $400,958,400 | 1,679 |
| Average earning assets | $373,604,200 | 1,667 |
| Average equity | $48,864,000 | 1,552 |
| Average total loans | $310,075,200 | 1,476 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8358% | 3,819 |
| Cost of funding earning assets | 0.5974% | 1,352 |
| Net interest margin | 3.2385% | 4,378 |
| Noninterest income to average assets | 1.7665% | 413 |
| Noninterest expense to average assets | 2.8711% | 2,737 |
| Loan and lease loss provision to assets | 0.0906% | 2,416 |
| Net operating income to assets | 1.1872% | 1,681 |
| Return on assets (ROA) | 1.1872% | 1,781 |
| Pretax return on assets | 1.8235% | 857 |
| Return on Equity (ROE) | 9.7641% | 2,165 |
| Retained earnings to average equity (ytd only) | 9.7641% | 627 |
| Net charge-offs to loans | 0.0043% | 3,767 |
| Credit loss provision to net charge-offs | 2,700.0000% | 182 |
| Earnings coverage of net charge-offs (x) | 570.4284% | 157 |
| Efficiency ratio | 57.9996% | 4,815 |
| Assets per employee ($millions) | 4.1453% | 3,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0758% | 3,979 |
| Loan loss allowance to noncurrent loans | 257.4517% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 0.2840% | 4,290 |
| Noncurrent loans to loans | 0.4179% | 3,782 |
| Net loans and leases to total assets | 67.2330% | 2,914 |
| Net loans and leases to deposits | 85.0690% | 2,360 |
| Net loans and leases to core deposits | 93.3933% | 2,243 |
| Total domestic deposits to total assets | 79.0335% | 4,716 |
| Equity capital to assets | 11.0051% | 3,007 |
| Core capital (leverage) ratio | 12.1418% | 1,579 |
| Tier 1 risk-based capital ratio | 13.4964% | 3,862 |
| Total risk-based capital ratio | 14.4253% | 3,955 |
| Memoranda: | ||
| Average total assets | $397,238,250 | 1,698 |
| Average earning assets | $370,288,250 | 1,686 |
| Average equity | $48,298,250 | 1,573 |
| Average total loans | $306,881,500 | 1,497 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0141% | 3,193 |
| Cost of funding earning assets | 0.6337% | 1,123 |
| Net interest margin | 3.3804% | 3,967 |
| Noninterest income to average assets | 1.6989% | 434 |
| Noninterest expense to average assets | 3.0223% | 2,271 |
| Loan and lease loss provision to assets | 0.0953% | 2,249 |
| Net operating income to assets | 1.1312% | 1,848 |
| Return on assets (ROA) | 1.1312% | 1,963 |
| Pretax return on assets | 1.7280% | 1,032 |
| Return on Equity (ROE) | 8.9615% | 2,509 |
| Retained earnings to average equity (ytd only) | 8.9615% | 861 |
| Net charge-offs to loans | -0.0124% | 4,768 |
| Credit loss provision to net charge-offs | -947.3684% | 5,076 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2951% | 4,606 |
| Assets per employee ($millions) | 3.3408% | 5,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0631% | 4,153 |
| Loan loss allowance to noncurrent loans | 646.8379% | 850 |
| Noncurrent assets plus other real estate owned to assets | 0.1340% | 4,972 |
| Noncurrent loans to loans | 0.1643% | 4,782 |
| Net loans and leases to total assets | 80.6885% | 795 |
| Net loans and leases to deposits | 101.1499% | 621 |
| Net loans and leases to core deposits | 122.7111% | 445 |
| Total domestic deposits to total assets | 79.7712% | 4,604 |
| Equity capital to assets | 12.9441% | 1,538 |
| Core capital (leverage) ratio | 12.2372% | 1,499 |
| Tier 1 risk-based capital ratio | 14.0214% | 3,592 |
| Total risk-based capital ratio | 14.9983% | 3,668 |
| Memoranda: | ||
| Average total assets | $377,657,670 | 1,775 |
| Average earning assets | $351,561,000 | 1,765 |
| Average equity | $47,670,670 | 1,590 |
| Average total loans | $305,874,330 | 1,502 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0142% | 3,176 |
| Cost of funding earning assets | 0.6358% | 1,124 |
| Net interest margin | 3.3784% | 3,946 |
| Noninterest income to average assets | 1.7960% | 397 |
| Noninterest expense to average assets | 3.0043% | 2,380 |
| Loan and lease loss provision to assets | 0.0953% | 2,101 |
| Net operating income to assets | 1.2009% | 1,555 |
| Return on assets (ROA) | 1.2009% | 1,659 |
| Pretax return on assets | 1.8362% | 796 |
| Return on Equity (ROE) | 9.6361% | 2,140 |
| Retained earnings to average equity (ytd only) | 9.6361% | 944 |
| Net charge-offs to loans | -0.0039% | 4,231 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8286% | 4,898 |
| Assets per employee ($millions) | 3.4171% | 4,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0368% | 4,406 |
| Loan loss allowance to noncurrent loans | 2,294.9275% | 287 |
| Noncurrent assets plus other real estate owned to assets | 0.0361% | 5,490 |
| Noncurrent loans to loans | 0.0452% | 5,313 |
| Net loans and leases to total assets | 78.9905% | 953 |
| Net loans and leases to deposits | 97.5436% | 799 |
| Net loans and leases to core deposits | 115.8154% | 602 |
| Total domestic deposits to total assets | 80.9797% | 4,500 |
| Equity capital to assets | 12.4686% | 1,704 |
| Core capital (leverage) ratio | 12.3816% | 1,389 |
| Tier 1 risk-based capital ratio | 13.8418% | 3,786 |
| Total risk-based capital ratio | 14.7964% | 3,880 |
| Memoranda: | ||
| Average total assets | $377,728,500 | 1,773 |
| Average earning assets | $351,055,500 | 1,772 |
| Average equity | $47,073,000 | 1,598 |
| Average total loans | $304,869,000 | 1,501 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9902% | 3,350 |
| Cost of funding earning assets | 0.5866% | 1,455 |
| Net interest margin | 3.4035% | 3,898 |
| Noninterest income to average assets | 1.8769% | 391 |
| Noninterest expense to average assets | 3.0383% | 2,422 |
| Loan and lease loss provision to assets | 0.0973% | 2,367 |
| Net operating income to assets | 1.2417% | 1,412 |
| Return on assets (ROA) | 1.2433% | 1,460 |
| Pretax return on assets | 1.8918% | 665 |
| Return on Equity (ROE) | 10.2496% | 1,897 |
| Retained earnings to average equity (ytd only) | 8.0219% | 905 |
| Net charge-offs to loans | -0.0089% | 5,085 |
| Credit loss provision to net charge-offs | -1,384.6154% | 5,598 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4212% | 5,096 |
| Assets per employee ($millions) | 3.2986% | 5,157 |
| Cash dividends to net income (ytd only)* | 21.7344% | 3,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0103% | 4,542 |
| Loan loss allowance to noncurrent loans | 819.7333% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.1006% | 5,206 |
| Noncurrent loans to loans | 0.1232% | 4,998 |
| Net loans and leases to total assets | 80.8035% | 738 |
| Net loans and leases to deposits | 102.4846% | 517 |
| Net loans and leases to core deposits | 115.7910% | 604 |
| Total domestic deposits to total assets | 78.8445% | 5,007 |
| Equity capital to assets | 12.4554% | 1,646 |
| Core capital (leverage) ratio | 12.0607% | 1,585 |
| Tier 1 risk-based capital ratio | 13.8412% | 3,808 |
| Total risk-based capital ratio | 14.7818% | 3,922 |
| Memoranda: | ||
| Average total assets | $370,076,800 | 1,772 |
| Average earning assets | $342,292,200 | 1,771 |
| Average equity | $44,889,400 | 1,644 |
| Average total loans | $292,624,000 | 1,493 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9906% | 3,379 |
| Cost of funding earning assets | 0.5728% | 1,596 |
| Net interest margin | 3.4178% | 3,878 |
| Noninterest income to average assets | 1.7891% | 421 |
| Noninterest expense to average assets | 3.0022% | 2,520 |
| Loan and lease loss provision to assets | 0.0975% | 2,225 |
| Net operating income to assets | 1.2163% | 1,595 |
| Return on assets (ROA) | 1.2163% | 1,661 |
| Pretax return on assets | 1.8487% | 807 |
| Return on Equity (ROE) | 10.0960% | 2,069 |
| Retained earnings to average equity (ytd only) | 10.0960% | 622 |
| Net charge-offs to loans | 0.0014% | 4,138 |
| Credit loss provision to net charge-offs | 9,000.0000% | 44 |
| Earnings coverage of net charge-offs (x) | 1,797.2875% | 36 |
| Efficiency ratio | 58.5923% | 5,053 |
| Assets per employee ($millions) | 3.2032% | 5,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0254% | 4,610 |
| Loan loss allowance to noncurrent loans | 356.8841% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 0.2248% | 4,866 |
| Noncurrent loans to loans | 0.2873% | 4,552 |
| Net loans and leases to total assets | 77.4252% | 1,188 |
| Net loans and leases to deposits | 100.9250% | 615 |
| Net loans and leases to core deposits | 114.4818% | 648 |
| Total domestic deposits to total assets | 76.7156% | 5,391 |
| Equity capital to assets | 12.5680% | 1,703 |
| Core capital (leverage) ratio | 12.1228% | 1,606 |
| Tier 1 risk-based capital ratio | 14.1907% | 3,734 |
| Total risk-based capital ratio | 15.1233% | 3,865 |
| Memoranda: | ||
| Average total assets | $369,409,750 | 1,786 |
| Average earning assets | $341,459,750 | 1,794 |
| Average equity | $44,505,000 | 1,670 |
| Average total loans | $289,713,750 | 1,509 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9279% | 3,583 |
| Cost of funding earning assets | 0.5626% | 1,706 |
| Net interest margin | 3.3654% | 4,033 |
| Noninterest income to average assets | 1.5599% | 530 |
| Noninterest expense to average assets | 2.9744% | 2,633 |
| Loan and lease loss provision to assets | 0.0974% | 2,195 |
| Net operating income to assets | 1.0585% | 2,105 |
| Return on assets (ROA) | 1.0585% | 2,215 |
| Pretax return on assets | 1.5978% | 1,333 |
| Return on Equity (ROE) | 8.9142% | 2,598 |
| Retained earnings to average equity (ytd only) | 8.9142% | 949 |
| Net charge-offs to loans | 0.0055% | 3,708 |
| Credit loss provision to net charge-offs | 2,250.0000% | 179 |
| Earnings coverage of net charge-offs (x) | 391.7500% | 171 |
| Efficiency ratio | 61.4966% | 4,755 |
| Assets per employee ($millions) | 3.2157% | 5,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9757% | 4,985 |
| Loan loss allowance to noncurrent loans | 803.3708% | 676 |
| Noncurrent assets plus other real estate owned to assets | 0.0971% | 5,476 |
| Noncurrent loans to loans | 0.1214% | 5,273 |
| Net loans and leases to total assets | 79.1817% | 913 |
| Net loans and leases to deposits | 97.9861% | 793 |
| Net loans and leases to core deposits | 109.2303% | 881 |
| Total domestic deposits to total assets | 80.8091% | 4,663 |
| Equity capital to assets | 12.2013% | 1,876 |
| Core capital (leverage) ratio | 11.5262% | 1,971 |
| Tier 1 risk-based capital ratio | 13.8267% | 4,019 |
| Total risk-based capital ratio | 14.7355% | 4,164 |
| Memoranda: | ||
| Average total assets | $369,756,000 | 1,798 |
| Average earning assets | $341,657,330 | 1,793 |
| Average equity | $43,907,670 | 1,694 |
| Average total loans | $290,229,330 | 1,517 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8826% | 3,691 |
| Cost of funding earning assets | 0.5575% | 1,774 |
| Net interest margin | 3.3251% | 4,111 |
| Noninterest income to average assets | 1.6169% | 476 |
| Noninterest expense to average assets | 2.9181% | 2,837 |
| Loan and lease loss provision to assets | 0.0969% | 2,080 |
| Net operating income to assets | 1.1030% | 1,863 |
| Return on assets (ROA) | 1.1030% | 1,966 |
| Pretax return on assets | 1.6664% | 1,124 |
| Return on Equity (ROE) | 9.4167% | 2,256 |
| Retained earnings to average equity (ytd only) | 9.4167% | 1,065 |
| Net charge-offs to loans | -0.0028% | 4,384 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1473% | 5,075 |
| Assets per employee ($millions) | 3.2293% | 5,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9857% | 5,108 |
| Loan loss allowance to noncurrent loans | 646.5116% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.1204% | 5,477 |
| Noncurrent loans to loans | 0.1525% | 5,234 |
| Net loans and leases to total assets | 75.1986% | 1,324 |
| Net loans and leases to deposits | 92.0533% | 1,182 |
| Net loans and leases to core deposits | 101.6848% | 1,203 |
| Total domestic deposits to total assets | 81.6903% | 4,612 |
| Equity capital to assets | 11.8740% | 2,126 |
| Core capital (leverage) ratio | 11.4298% | 2,056 |
| Tier 1 risk-based capital ratio | 13.1815% | 4,514 |
| Total risk-based capital ratio | 14.0429% | 4,653 |
| Memoranda: | ||
| Average total assets | $371,338,500 | 1,797 |
| Average earning assets | $342,242,500 | 1,791 |
| Average equity | $43,497,000 | 1,711 |
| Average total loans | $288,777,500 | 1,518 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9320% | 4,008 |
| Cost of funding earning assets | 0.5358% | 2,329 |
| Net interest margin | 3.3962% | 4,214 |
| Noninterest income to average assets | 2.0449% | 328 |
| Noninterest expense to average assets | 3.1677% | 2,303 |
| Loan and lease loss provision to assets | 0.0258% | 4,091 |
| Net operating income to assets | 1.3002% | 1,308 |
| Return on assets (ROA) | 1.3002% | 1,357 |
| Pretax return on assets | 1.9566% | 555 |
| Return on Equity (ROE) | 11.2674% | 1,629 |
| Retained earnings to average equity (ytd only) | 11.2674% | 353 |
| Net charge-offs to loans | 0.0253% | 4,324 |
| Credit loss provision to net charge-offs | 134.3284% | 1,762 |
| Earnings coverage of net charge-offs (x) | 103.2687% | 508 |
| Efficiency ratio | 59.3324% | 5,302 |
| Assets per employee ($millions) | 3.3756% | 5,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9096% | 5,445 |
| Loan loss allowance to noncurrent loans | 869.9029% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.0878% | 5,679 |
| Noncurrent loans to loans | 0.1046% | 5,476 |
| Net loans and leases to total assets | 78.8625% | 896 |
| Net loans and leases to deposits | 97.8638% | 773 |
| Net loans and leases to core deposits | 107.9523% | 895 |
| Total domestic deposits to total assets | 80.5839% | 4,866 |
| Equity capital to assets | 11.5531% | 2,381 |
| Core capital (leverage) ratio | 11.1266% | 2,285 |
| Tier 1 risk-based capital ratio | 11.8584% | 5,457 |
| Total risk-based capital ratio | 12.6610% | 5,633 |
| Memoranda: | ||
| Average total assets | $349,018,000 | 1,862 |
| Average earning assets | $319,124,400 | 1,877 |
| Average equity | $40,275,400 | 1,769 |
| Average total loans | $265,113,000 | 1,598 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9226% | 4,083 |
| Cost of funding earning assets | 0.5301% | 2,465 |
| Net interest margin | 3.3925% | 4,271 |
| Noninterest income to average assets | 1.9384% | 364 |
| Noninterest expense to average assets | 3.1962% | 2,190 |
| Loan and lease loss provision to assets | 0.0175% | 4,064 |
| Net operating income to assets | 1.2116% | 1,639 |
| Return on assets (ROA) | 1.2116% | 1,705 |
| Pretax return on assets | 1.8180% | 857 |
| Return on Equity (ROE) | 10.5029% | 2,002 |
| Retained earnings to average equity (ytd only) | 10.5029% | 599 |
| Net charge-offs to loans | 0.0357% | 3,771 |
| Credit loss provision to net charge-offs | 65.2174% | 2,846 |
| Earnings coverage of net charge-offs (x) | 68.5200% | 788 |
| Efficiency ratio | 61.1373% | 5,016 |
| Assets per employee ($millions) | 3.1669% | 5,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9748% | 5,320 |
| Loan loss allowance to noncurrent loans | 910.6897% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.0953% | 5,783 |
| Noncurrent loans to loans | 0.1070% | 5,612 |
| Net loans and leases to total assets | 77.0182% | 1,089 |
| Net loans and leases to deposits | 96.0361% | 879 |
| Net loans and leases to core deposits | 107.9510% | 858 |
| Total domestic deposits to total assets | 80.1972% | 5,052 |
| Equity capital to assets | 11.8925% | 2,162 |
| Core capital (leverage) ratio | 11.2498% | 2,261 |
| Tier 1 risk-based capital ratio | 12.1608% | 5,395 |
| Total risk-based capital ratio | 13.0022% | 5,564 |
| Memoranda: | ||
| Average total assets | $343,444,750 | 1,902 |
| Average earning assets | $313,151,500 | 1,922 |
| Average equity | $39,619,750 | 1,800 |
| Average total loans | $257,513,000 | 1,651 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8801% | 4,222 |
| Cost of funding earning assets | 0.5300% | 2,539 |
| Net interest margin | 3.3502% | 4,402 |
| Noninterest income to average assets | 1.6846% | 457 |
| Noninterest expense to average assets | 3.1597% | 2,305 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0561% | 2,100 |
| Return on assets (ROA) | 1.0561% | 2,176 |
| Pretax return on assets | 1.5652% | 1,348 |
| Return on Equity (ROE) | 9.2524% | 2,479 |
| Retained earnings to average equity (ytd only) | 9.2524% | 898 |
| Net charge-offs to loans | 0.0213% | 3,782 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 99.0741% | 559 |
| Efficiency ratio | 64.3344% | 4,641 |
| Assets per employee ($millions) | 3.0182% | 5,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0480% | 5,127 |
| Loan loss allowance to noncurrent loans | 922.3776% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.0970% | 5,857 |
| Noncurrent loans to loans | 0.1136% | 5,672 |
| Net loans and leases to total assets | 73.6816% | 1,479 |
| Net loans and leases to deposits | 94.4115% | 930 |
| Net loans and leases to core deposits | 103.7870% | 1,037 |
| Total domestic deposits to total assets | 78.0430% | 5,624 |
| Equity capital to assets | 11.8713% | 2,086 |
| Core capital (leverage) ratio | 11.0248% | 2,404 |
| Tier 1 risk-based capital ratio | 12.1187% | 5,473 |
| Total risk-based capital ratio | 12.9884% | 5,615 |
| Memoranda: | ||
| Average total assets | $341,808,330 | 1,910 |
| Average earning assets | $310,195,000 | 1,940 |
| Average equity | $39,017,000 | 1,814 |
| Average total loans | $253,038,330 | 1,677 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8249% | 4,385 |
| Cost of funding earning assets | 0.5281% | 2,627 |
| Net interest margin | 3.2968% | 4,550 |
| Noninterest income to average assets | 1.7515% | 414 |
| Noninterest expense to average assets | 3.0550% | 2,679 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1405% | 1,666 |
| Return on assets (ROA) | 1.1405% | 1,732 |
| Pretax return on assets | 1.6968% | 983 |
| Return on Equity (ROE) | 10.1921% | 1,963 |
| Retained earnings to average equity (ytd only) | 10.1921% | 916 |
| Net charge-offs to loans | 0.0426% | 2,789 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 54.0000% | 711 |
| Efficiency ratio | 61.7683% | 5,160 |
| Assets per employee ($millions) | 3.1608% | 5,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0814% | 5,201 |
| Loan loss allowance to noncurrent loans | 980.6691% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.0925% | 5,972 |
| Noncurrent loans to loans | 0.1103% | 5,796 |
| Net loans and leases to total assets | 72.7040% | 1,462 |
| Net loans and leases to deposits | 93.5604% | 831 |
| Net loans and leases to core deposits | 96.4551% | 1,352 |
| Total domestic deposits to total assets | 77.7081% | 5,869 |
| Equity capital to assets | 11.7666% | 2,038 |
| Core capital (leverage) ratio | 10.8237% | 2,566 |
| Tier 1 risk-based capital ratio | 12.2443% | 5,475 |
| Total risk-based capital ratio | 13.1458% | 5,635 |
| Memoranda: | ||
| Average total assets | $343,696,000 | 1,907 |
| Average earning assets | $312,792,000 | 1,925 |
| Average equity | $38,461,000 | 1,833 |
| Average total loans | $253,704,500 | 1,674 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9377% | 4,329 |
| Cost of funding earning assets | 0.6245% | 2,441 |
| Net interest margin | 3.3133% | 4,612 |
| Noninterest income to average assets | 2.0379% | 381 |
| Noninterest expense to average assets | 3.2453% | 2,294 |
| Loan and lease loss provision to assets | 0.0760% | 3,587 |
| Net operating income to assets | 1.1727% | 1,677 |
| Return on assets (ROA) | 1.1727% | 1,734 |
| Pretax return on assets | 1.7312% | 893 |
| Return on Equity (ROE) | 10.3879% | 1,960 |
| Retained earnings to average equity (ytd only) | 10.3879% | 504 |
| Net charge-offs to loans | 0.0141% | 5,169 |
| Credit loss provision to net charge-offs | 765.6250% | 320 |
| Earnings coverage of net charge-offs (x) | 182.0938% | 252 |
| Efficiency ratio | 61.9729% | 5,220 |
| Assets per employee ($millions) | 3.2917% | 5,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0115% | 5,508 |
| Loan loss allowance to noncurrent loans | 825.0774% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.1015% | 6,034 |
| Noncurrent loans to loans | 0.1226% | 5,834 |
| Net loans and leases to total assets | 73.3635% | 1,460 |
| Net loans and leases to deposits | 98.1884% | 578 |
| Net loans and leases to core deposits | 107.9664% | 699 |
| Total domestic deposits to total assets | 74.7170% | 6,223 |
| Equity capital to assets | 10.6525% | 2,975 |
| Core capital (leverage) ratio | 10.7599% | 2,614 |
| Tier 1 risk-based capital ratio | 11.0921% | 6,124 |
| Total risk-based capital ratio | 11.9428% | 6,255 |
| Memoranda: | ||
| Average total assets | $322,432,000 | 1,996 |
| Average earning assets | $293,367,200 | 2,019 |
| Average equity | $36,398,000 | 1,899 |
| Average total loans | $227,713,800 | 1,798 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9829% | 4,202 |
| Cost of funding earning assets | 0.6565% | 2,307 |
| Net interest margin | 3.3264% | 4,543 |
| Noninterest income to average assets | 1.9998% | 419 |
| Noninterest expense to average assets | 3.2674% | 2,159 |
| Loan and lease loss provision to assets | 0.1040% | 3,029 |
| Net operating income to assets | 1.1208% | 1,928 |
| Return on assets (ROA) | 1.1208% | 2,001 |
| Pretax return on assets | 1.6518% | 1,209 |
| Return on Equity (ROE) | 9.7731% | 2,274 |
| Retained earnings to average equity (ytd only) | 9.7731% | 837 |
| Net charge-offs to loans | -0.0024% | 5,700 |
| Credit loss provision to net charge-offs | -6,125.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7746% | 5,019 |
| Assets per employee ($millions) | 3.0034% | 5,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1939% | 4,892 |
| Loan loss allowance to noncurrent loans | 1,570.3488% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.0708% | 6,223 |
| Noncurrent loans to loans | 0.0760% | 6,107 |
| Net loans and leases to total assets | 71.5621% | 1,669 |
| Net loans and leases to deposits | 90.4404% | 1,118 |
| Net loans and leases to core deposits | 93.5620% | 1,614 |
| Total domestic deposits to total assets | 79.1262% | 5,720 |
| Equity capital to assets | 11.8020% | 2,047 |
| Core capital (leverage) ratio | 11.1274% | 2,361 |
| Tier 1 risk-based capital ratio | 12.3219% | 5,558 |
| Total risk-based capital ratio | 13.2983% | 5,691 |
| Memoranda: | ||
| Average total assets | $314,164,000 | 2,058 |
| Average earning assets | $285,545,250 | 2,090 |
| Average equity | $36,030,000 | 1,927 |
| Average total loans | $218,773,500 | 1,869 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9507% | 4,291 |
| Cost of funding earning assets | 0.6744% | 2,270 |
| Net interest margin | 3.2764% | 4,662 |
| Noninterest income to average assets | 1.8954% | 479 |
| Noninterest expense to average assets | 3.1750% | 2,428 |
| Loan and lease loss provision to assets | 0.1334% | 2,653 |
| Net operating income to assets | 1.0694% | 2,036 |
| Return on assets (ROA) | 1.0694% | 2,154 |
| Pretax return on assets | 1.5720% | 1,441 |
| Return on Equity (ROE) | 9.4149% | 2,450 |
| Retained earnings to average equity (ytd only) | 9.4149% | 993 |
| Net charge-offs to loans | -0.0018% | 5,525 |
| Credit loss provision to net charge-offs | -10,500.0000% | 6,270 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7132% | 5,062 |
| Assets per employee ($millions) | 3.0512% | 5,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2603% | 4,693 |
| Loan loss allowance to noncurrent loans | 845.7143% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.1170% | 6,131 |
| Noncurrent loans to loans | 0.1490% | 5,947 |
| Net loans and leases to total assets | 67.0641% | 2,400 |
| Net loans and leases to deposits | 81.5806% | 2,103 |
| Net loans and leases to core deposits | 84.5561% | 2,486 |
| Total domestic deposits to total assets | 82.2060% | 4,979 |
| Equity capital to assets | 11.4513% | 2,339 |
| Core capital (leverage) ratio | 10.3790% | 3,009 |
| Tier 1 risk-based capital ratio | 12.4194% | 5,554 |
| Total risk-based capital ratio | 13.4274% | 5,639 |
| Memoranda: | ||
| Average total assets | $314,767,330 | 2,061 |
| Average earning assets | $286,781,000 | 2,085 |
| Average equity | $35,752,000 | 1,952 |
| Average total loans | $216,288,670 | 1,892 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9975% | 4,123 |
| Cost of funding earning assets | 0.7052% | 2,162 |
| Net interest margin | 3.2923% | 4,545 |
| Noninterest income to average assets | 1.9827% | 434 |
| Noninterest expense to average assets | 3.0783% | 2,739 |
| Loan and lease loss provision to assets | 0.1327% | 2,577 |
| Net operating income to assets | 1.1853% | 1,567 |
| Return on assets (ROA) | 1.1853% | 1,679 |
| Pretax return on assets | 1.7628% | 947 |
| Return on Equity (ROE) | 10.4780% | 1,886 |
| Retained earnings to average equity (ytd only) | 10.4780% | 990 |
| Net charge-offs to loans | -0.0018% | 5,155 |
| Credit loss provision to net charge-offs | -10,500.0000% | 5,933 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6037% | 5,645 |
| Assets per employee ($millions) | 3.2516% | 5,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2199% | 5,096 |
| Loan loss allowance to noncurrent loans | 1,200.9390% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.0723% | 6,385 |
| Noncurrent loans to loans | 0.1016% | 6,175 |
| Net loans and leases to total assets | 63.7031% | 2,771 |
| Net loans and leases to deposits | 77.6479% | 2,390 |
| Net loans and leases to core deposits | 80.4364% | 2,754 |
| Total domestic deposits to total assets | 82.0410% | 5,178 |
| Equity capital to assets | 11.1352% | 2,805 |
| Core capital (leverage) ratio | 10.1987% | 3,152 |
| Tier 1 risk-based capital ratio | 11.5444% | 6,158 |
| Total risk-based capital ratio | 12.4676% | 6,284 |
| Memoranda: | ||
| Average total assets | $316,539,500 | 2,069 |
| Average earning assets | $287,579,000 | 2,105 |
| Average equity | $35,808,500 | 1,971 |
| Average total loans | $218,741,500 | 1,875 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4934% | 3,414 |
| Cost of funding earning assets | 0.8730% | 2,110 |
| Net interest margin | 3.6203% | 4,001 |
| Noninterest income to average assets | 2.0671% | 414 |
| Noninterest expense to average assets | 3.1584% | 2,740 |
| Loan and lease loss provision to assets | 0.1368% | 3,914 |
| Net operating income to assets | 1.3745% | 1,143 |
| Return on assets (ROA) | 1.3745% | 1,266 |
| Pretax return on assets | 2.0495% | 550 |
| Return on Equity (ROE) | 12.3753% | 1,396 |
| Retained earnings to average equity (ytd only) | 12.3753% | 296 |
| Net charge-offs to loans | 0.0033% | 5,938 |
| Credit loss provision to net charge-offs | 5,857.1429% | 45 |
| Earnings coverage of net charge-offs (x) | 936.1429% | 34 |
| Efficiency ratio | 56.7416% | 5,976 |
| Assets per employee ($millions) | 3.1421% | 5,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0764% | 5,645 |
| Loan loss allowance to noncurrent loans | 1,459.5238% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.0792% | 6,405 |
| Noncurrent loans to loans | 0.0738% | 6,300 |
| Net loans and leases to total assets | 73.1802% | 1,308 |
| Net loans and leases to deposits | 92.6269% | 861 |
| Net loans and leases to core deposits | 96.2872% | 1,277 |
| Total domestic deposits to total assets | 79.0054% | 5,889 |
| Equity capital to assets | 11.4997% | 2,447 |
| Core capital (leverage) ratio | 10.0825% | 3,296 |
| Tier 1 risk-based capital ratio | 10.8162% | 6,419 |
| Total risk-based capital ratio | 11.6729% | 6,550 |
| Memoranda: | ||
| Average total assets | $299,738,400 | 2,141 |
| Average earning assets | $271,356,400 | 2,148 |
| Average equity | $33,292,200 | 2,072 |
| Average total loans | $211,734,400 | 1,906 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4627% | 3,767 |
| Cost of funding earning assets | 0.9067% | 2,129 |
| Net interest margin | 3.5560% | 4,415 |
| Noninterest income to average assets | 1.9133% | 447 |
| Noninterest expense to average assets | 3.1078% | 2,864 |
| Loan and lease loss provision to assets | 0.1366% | 3,840 |
| Net operating income to assets | 1.2706% | 1,511 |
| Return on assets (ROA) | 1.2706% | 1,667 |
| Pretax return on assets | 1.8905% | 890 |
| Return on Equity (ROE) | 11.5453% | 1,780 |
| Retained earnings to average equity (ytd only) | 11.5453% | 602 |
| Net charge-offs to loans | 0.0058% | 5,669 |
| Credit loss provision to net charge-offs | 3,388.8889% | 86 |
| Earnings coverage of net charge-offs (x) | 502.8767% | 87 |
| Efficiency ratio | 58.0375% | 5,787 |
| Assets per employee ($millions) | 3.1505% | 5,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1003% | 5,718 |
| Loan loss allowance to noncurrent loans | 1,421.2121% | 338 |
| Noncurrent assets plus other real estate owned to assets | 0.0827% | 6,526 |
| Noncurrent loans to loans | 0.0774% | 6,423 |
| Net loans and leases to total assets | 69.6905% | 1,972 |
| Net loans and leases to deposits | 86.3321% | 1,565 |
| Net loans and leases to core deposits | 89.4120% | 2,057 |
| Total domestic deposits to total assets | 80.7238% | 5,445 |
| Equity capital to assets | 11.3447% | 2,895 |
| Core capital (leverage) ratio | 9.8616% | 3,743 |
| Tier 1 risk-based capital ratio | 10.9652% | 6,496 |
| Total risk-based capital ratio | 11.8326% | 6,621 |
| Memoranda: | ||
| Average total assets | $297,692,500 | 2,172 |
| Average earning assets | $269,697,000 | 2,184 |
| Average equity | $32,762,750 | 2,119 |
| Average total loans | $207,720,500 | 1,960 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4015% | 4,181 |
| Cost of funding earning assets | 0.9284% | 2,201 |
| Net interest margin | 3.4732% | 4,790 |
| Noninterest income to average assets | 1.7068% | 521 |
| Noninterest expense to average assets | 3.0915% | 2,952 |
| Loan and lease loss provision to assets | 0.1351% | 3,839 |
| Net operating income to assets | 1.1030% | 2,033 |
| Return on assets (ROA) | 1.1030% | 2,254 |
| Pretax return on assets | 1.6237% | 1,479 |
| Return on Equity (ROE) | 10.1283% | 2,308 |
| Retained earnings to average equity (ytd only) | 10.1283% | 946 |
| Net charge-offs to loans | 0.0117% | 5,288 |
| Credit loss provision to net charge-offs | 1,666.6667% | 194 |
| Earnings coverage of net charge-offs (x) | 217.0000% | 202 |
| Efficiency ratio | 61.0361% | 5,417 |
| Assets per employee ($millions) | 3.0154% | 6,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0522% | 5,947 |
| Loan loss allowance to noncurrent loans | 716.9872% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.1560% | 6,404 |
| Noncurrent loans to loans | 0.1468% | 6,296 |
| Net loans and leases to total assets | 71.1837% | 1,698 |
| Net loans and leases to deposits | 87.5459% | 1,415 |
| Net loans and leases to core deposits | 90.7208% | 1,907 |
| Total domestic deposits to total assets | 81.3101% | 5,361 |
| Equity capital to assets | 11.1866% | 2,907 |
| Core capital (leverage) ratio | 9.3813% | 4,320 |
| Tier 1 risk-based capital ratio | 10.6886% | 6,620 |
| Total risk-based capital ratio | 11.5320% | 6,743 |
| Memoranda: | ||
| Average total assets | $296,106,670 | 2,181 |
| Average earning assets | $267,998,330 | 2,205 |
| Average equity | $32,246,330 | 2,139 |
| Average total loans | $205,919,330 | 1,976 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3557% | 4,494 |
| Cost of funding earning assets | 0.9354% | 2,405 |
| Net interest margin | 3.4203% | 5,028 |
| Noninterest income to average assets | 1.8448% | 466 |
| Noninterest expense to average assets | 3.0162% | 3,187 |
| Loan and lease loss provision to assets | 0.1282% | 3,742 |
| Net operating income to assets | 1.2051% | 1,718 |
| Return on assets (ROA) | 1.2051% | 1,902 |
| Pretax return on assets | 1.7895% | 1,094 |
| Return on Equity (ROE) | 11.2184% | 1,935 |
| Retained earnings to average equity (ytd only) | 11.2184% | 981 |
| Net charge-offs to loans | 0.0237% | 4,357 |
| Credit loss provision to net charge-offs | 791.6667% | 436 |
| Earnings coverage of net charge-offs (x) | 118.4167% | 298 |
| Efficiency ratio | 58.3151% | 5,872 |
| Assets per employee ($millions) | 3.3604% | 5,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0882% | 5,938 |
| Loan loss allowance to noncurrent loans | 616.1850% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.1714% | 6,457 |
| Noncurrent loans to loans | 0.1766% | 6,330 |
| Net loans and leases to total assets | 62.6845% | 3,127 |
| Net loans and leases to deposits | 79.1592% | 2,322 |
| Net loans and leases to core deposits | 83.1175% | 2,666 |
| Total domestic deposits to total assets | 79.1879% | 6,036 |
| Equity capital to assets | 10.4363% | 3,572 |
| Core capital (leverage) ratio | 9.3082% | 4,350 |
| Tier 1 risk-based capital ratio | 10.9323% | 6,567 |
| Total risk-based capital ratio | 11.7792% | 6,717 |
| Memoranda: | ||
| Average total assets | $296,403,500 | 2,188 |
| Average earning assets | $267,692,500 | 2,222 |
| Average equity | $31,840,500 | 2,163 |
| Average total loans | $202,582,000 | 2,011 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8524% | 3,576 |
| Cost of funding earning assets | 1.1327% | 2,447 |
| Net interest margin | 3.7197% | 4,212 |
| Noninterest income to average assets | 2.0801% | 356 |
| Noninterest expense to average assets | 3.2216% | 2,789 |
| Loan and lease loss provision to assets | 0.1319% | 4,963 |
| Net operating income to assets | 1.4147% | 999 |
| Return on assets (ROA) | 1.4147% | 1,079 |
| Pretax return on assets | 2.0917% | 448 |
| Return on Equity (ROE) | 12.3892% | 1,299 |
| Retained earnings to average equity (ytd only) | 7.4401% | 1,297 |
| Net charge-offs to loans | 0.0347% | 5,964 |
| Credit loss provision to net charge-offs | 530.3030% | 432 |
| Earnings coverage of net charge-offs (x) | 89.4242% | 332 |
| Efficiency ratio | 56.4312% | 6,259 |
| Assets per employee ($millions) | 3.1870% | 5,737 |
| Cash dividends to net income (ytd only)* | 39.9467% | 2,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9793% | 6,306 |
| Loan loss allowance to noncurrent loans | 497.3301% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.2211% | 6,409 |
| Noncurrent loans to loans | 0.1969% | 6,354 |
| Net loans and leases to total assets | 73.0442% | 1,446 |
| Net loans and leases to deposits | 95.1818% | 732 |
| Net loans and leases to core deposits | 99.8934% | 1,190 |
| Total domestic deposits to total assets | 76.7418% | 6,375 |
| Equity capital to assets | 11.0758% | 2,919 |
| Core capital (leverage) ratio | 9.6420% | 3,812 |
| Tier 1 risk-based capital ratio | 10.3561% | 6,750 |
| Total risk-based capital ratio | 11.1561% | 6,867 |
| Memoranda: | ||
| Average total assets | $265,424,200 | 2,373 |
| Average earning assets | $240,129,000 | 2,402 |
| Average equity | $30,308,600 | 2,173 |
| Average total loans | $190,014,600 | 2,132 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8655% | 3,707 |
| Cost of funding earning assets | 1.1673% | 2,517 |
| Net interest margin | 3.6981% | 4,343 |
| Noninterest income to average assets | 1.9744% | 390 |
| Noninterest expense to average assets | 3.2118% | 2,797 |
| Loan and lease loss provision to assets | 0.1252% | 4,863 |
| Net operating income to assets | 1.3549% | 1,254 |
| Return on assets (ROA) | 1.3549% | 1,339 |
| Pretax return on assets | 1.9907% | 639 |
| Return on Equity (ROE) | 11.7695% | 1,602 |
| Retained earnings to average equity (ytd only) | 11.7695% | 521 |
| Net charge-offs to loans | 0.0101% | 6,015 |
| Credit loss provision to net charge-offs | 1,750.0000% | 156 |
| Earnings coverage of net charge-offs (x) | 295.6540% | 129 |
| Efficiency ratio | 57.4731% | 6,083 |
| Assets per employee ($millions) | 3.1193% | 5,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0261% | 6,140 |
| Loan loss allowance to noncurrent loans | 366.2385% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.2911% | 6,329 |
| Noncurrent loans to loans | 0.2802% | 6,298 |
| Net loans and leases to total assets | 70.1404% | 2,060 |
| Net loans and leases to deposits | 87.9369% | 1,443 |
| Net loans and leases to core deposits | 90.2594% | 2,217 |
| Total domestic deposits to total assets | 79.7622% | 5,809 |
| Equity capital to assets | 11.6247% | 2,561 |
| Core capital (leverage) ratio | 10.1017% | 3,302 |
| Tier 1 risk-based capital ratio | 10.8639% | 6,624 |
| Total risk-based capital ratio | 11.6698% | 6,794 |
| Memoranda: | ||
| Average total assets | $260,868,750 | 2,428 |
| Average earning assets | $236,545,250 | 2,444 |
| Average equity | $30,031,750 | 2,197 |
| Average total loans | $185,209,250 | 2,197 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8667% | 3,769 |
| Cost of funding earning assets | 1.1952% | 2,611 |
| Net interest margin | 3.6715% | 4,401 |
| Noninterest income to average assets | 1.7985% | 420 |
| Noninterest expense to average assets | 3.3263% | 2,473 |
| Loan and lease loss provision to assets | 0.1639% | 4,291 |
| Net operating income to assets | 1.1439% | 1,744 |
| Return on assets (ROA) | 1.1439% | 1,819 |
| Pretax return on assets | 1.6424% | 1,171 |
| Return on Equity (ROE) | 9.9709% | 2,123 |
| Retained earnings to average equity (ytd only) | 9.9709% | 845 |
| Net charge-offs to loans | 0.0044% | 5,819 |
| Credit loss provision to net charge-offs | 5,250.0000% | 64 |
| Earnings coverage of net charge-offs (x) | 578.7500% | 54 |
| Efficiency ratio | 61.8729% | 5,600 |
| Assets per employee ($millions) | 2.9268% | 6,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0594% | 6,101 |
| Loan loss allowance to noncurrent loans | 934.1232% | 396 |
| Noncurrent assets plus other real estate owned to assets | 0.2204% | 6,569 |
| Noncurrent loans to loans | 0.1134% | 6,694 |
| Net loans and leases to total assets | 70.6704% | 2,081 |
| Net loans and leases to deposits | 89.2757% | 1,345 |
| Net loans and leases to core deposits | 91.5872% | 2,188 |
| Total domestic deposits to total assets | 79.1597% | 6,046 |
| Equity capital to assets | 11.6861% | 2,338 |
| Core capital (leverage) ratio | 9.8764% | 3,417 |
| Tier 1 risk-based capital ratio | 10.8795% | 6,614 |
| Total risk-based capital ratio | 11.7165% | 6,804 |
| Memoranda: | ||
| Average total assets | $256,324,670 | 2,484 |
| Average earning assets | $232,763,670 | 2,505 |
| Average equity | $29,405,670 | 2,213 |
| Average total loans | $182,101,670 | 2,258 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8052% | 4,035 |
| Cost of funding earning assets | 1.2341% | 2,603 |
| Net interest margin | 3.5711% | 4,711 |
| Noninterest income to average assets | 1.6692% | 488 |
| Noninterest expense to average assets | 3.3668% | 2,364 |
| Loan and lease loss provision to assets | 0.1652% | 3,979 |
| Net operating income to assets | 0.9927% | 2,204 |
| Return on assets (ROA) | 0.9927% | 2,258 |
| Pretax return on assets | 1.3876% | 1,756 |
| Return on Equity (ROE) | 8.7370% | 2,594 |
| Retained earnings to average equity (ytd only) | 8.7370% | 1,479 |
| Net charge-offs to loans | 0.0111% | 4,931 |
| Credit loss provision to net charge-offs | 2,100.0000% | 188 |
| Earnings coverage of net charge-offs (x) | 197.4000% | 155 |
| Efficiency ratio | 65.4621% | 5,130 |
| Assets per employee ($millions) | 2.7422% | 6,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0556% | 6,200 |
| Loan loss allowance to noncurrent loans | 526.8362% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.3181% | 6,402 |
| Noncurrent loans to loans | 0.2004% | 6,571 |
| Net loans and leases to total assets | 67.8208% | 2,590 |
| Net loans and leases to deposits | 86.1503% | 1,706 |
| Net loans and leases to core deposits | 88.1801% | 2,573 |
| Total domestic deposits to total assets | 78.7239% | 6,253 |
| Equity capital to assets | 11.3356% | 2,389 |
| Core capital (leverage) ratio | 9.4240% | 3,921 |
| Tier 1 risk-based capital ratio | 10.9967% | 6,514 |
| Total risk-based capital ratio | 11.8275% | 6,752 |
| Memoranda: | ||
| Average total assets | $254,246,500 | 2,527 |
| Average earning assets | $231,416,500 | 2,529 |
| Average equity | $28,888,500 | 2,236 |
| Average total loans | $180,125,500 | 2,308 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1942% | 3,639 |
| Cost of funding earning assets | 1.4107% | 3,196 |
| Net interest margin | 3.7835% | 4,011 |
| Noninterest income to average assets | 2.2540% | 325 |
| Noninterest expense to average assets | 3.4509% | 2,300 |
| Loan and lease loss provision to assets | 0.2839% | 4,534 |
| Net operating income to assets | 1.3464% | 1,060 |
| Return on assets (ROA) | 1.3523% | 1,120 |
| Pretax return on assets | 1.9823% | 498 |
| Return on Equity (ROE) | 12.7155% | 1,163 |
| Retained earnings to average equity (ytd only) | 12.7155% | 226 |
| Net charge-offs to loans | 0.1402% | 5,519 |
| Credit loss provision to net charge-offs | 286.8526% | 945 |
| Earnings coverage of net charge-offs (x) | 22.8127% | 925 |
| Efficiency ratio | 57.1932% | 6,434 |
| Assets per employee ($millions) | 2.7859% | 6,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9615% | 6,525 |
| Loan loss allowance to noncurrent loans | 791.4798% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.2848% | 6,537 |
| Noncurrent loans to loans | 0.1215% | 6,833 |
| Net loans and leases to total assets | 72.5099% | 1,980 |
| Net loans and leases to deposits | 90.9789% | 1,402 |
| Net loans and leases to core deposits | 93.8968% | 2,270 |
| Total domestic deposits to total assets | 79.6997% | 5,912 |
| Equity capital to assets | 11.3899% | 2,345 |
| Core capital (leverage) ratio | 9.2793% | 4,045 |
| Tier 1 risk-based capital ratio | 10.6250% | 6,621 |
| Total risk-based capital ratio | 11.4075% | 6,878 |
| Memoranda: | ||
| Average total assets | $253,641,200 | 2,510 |
| Average earning assets | $231,586,400 | 2,510 |
| Average equity | $26,975,000 | 2,378 |
| Average total loans | $178,992,600 | 2,368 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1693% | 3,991 |
| Cost of funding earning assets | 1.4463% | 3,299 |
| Net interest margin | 3.7230% | 4,295 |
| Noninterest income to average assets | 2.2177% | 327 |
| Noninterest expense to average assets | 3.4191% | 2,237 |
| Loan and lease loss provision to assets | 0.2830% | 4,317 |
| Net operating income to assets | 1.2452% | 1,476 |
| Return on assets (ROA) | 1.2527% | 1,539 |
| Pretax return on assets | 1.9258% | 732 |
| Return on Equity (ROE) | 11.9890% | 1,504 |
| Retained earnings to average equity (ytd only) | 11.9890% | 461 |
| Net charge-offs to loans | 0.1949% | 4,779 |
| Credit loss provision to net charge-offs | 207.6923% | 1,704 |
| Earnings coverage of net charge-offs (x) | 16.1230% | 1,396 |
| Efficiency ratio | 57.4242% | 6,356 |
| Assets per employee ($millions) | 2.7692% | 6,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9222% | 6,667 |
| Loan loss allowance to noncurrent loans | 1,576.0000% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.2587% | 6,722 |
| Noncurrent loans to loans | 0.0585% | 7,095 |
| Net loans and leases to total assets | 66.4589% | 3,578 |
| Net loans and leases to deposits | 84.4993% | 2,618 |
| Net loans and leases to core deposits | 87.0186% | 3,522 |
| Total domestic deposits to total assets | 78.6503% | 6,102 |
| Equity capital to assets | 11.0044% | 2,959 |
| Core capital (leverage) ratio | 8.9315% | 4,795 |
| Tier 1 risk-based capital ratio | 10.8206% | 6,526 |
| Total risk-based capital ratio | 11.5678% | 6,879 |
| Memoranda: | ||
| Average total assets | $254,369,000 | 2,542 |
| Average earning assets | $232,211,250 | 2,540 |
| Average equity | $26,579,250 | 2,451 |
| Average total loans | $177,848,500 | 2,411 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1014% | 4,447 |
| Cost of funding earning assets | 1.4841% | 3,344 |
| Net interest margin | 3.6173% | 4,743 |
| Noninterest income to average assets | 2.0296% | 347 |
| Noninterest expense to average assets | 3.3921% | 2,281 |
| Loan and lease loss provision to assets | 0.2832% | 4,131 |
| Net operating income to assets | 1.1413% | 1,723 |
| Return on assets (ROA) | 1.1533% | 1,747 |
| Pretax return on assets | 1.6772% | 1,096 |
| Return on Equity (ROE) | 11.2363% | 1,676 |
| Retained earnings to average equity (ytd only) | 11.2363% | 610 |
| Net charge-offs to loans | 0.2553% | 4,074 |
| Credit loss provision to net charge-offs | 156.5217% | 2,521 |
| Earnings coverage of net charge-offs (x) | 10.7391% | 1,850 |
| Efficiency ratio | 59.7316% | 6,090 |
| Assets per employee ($millions) | 2.7799% | 6,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7825% | 7,069 |
| Loan loss allowance to noncurrent loans | 256.4748% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.3433% | 6,562 |
| Noncurrent loans to loans | 0.3051% | 6,613 |
| Net loans and leases to total assets | 70.6968% | 2,750 |
| Net loans and leases to deposits | 88.2549% | 2,134 |
| Net loans and leases to core deposits | 90.9373% | 3,135 |
| Total domestic deposits to total assets | 80.1052% | 5,696 |
| Equity capital to assets | 10.5318% | 3,371 |
| Core capital (leverage) ratio | 8.4557% | 5,486 |
| Tier 1 risk-based capital ratio | 10.1233% | 6,954 |
| Total risk-based capital ratio | 10.7861% | 7,248 |
| Memoranda: | ||
| Average total assets | $254,238,000 | 2,562 |
| Average earning assets | $232,327,000 | 2,562 |
| Average equity | $26,094,000 | 2,484 |
| Average total loans | $180,168,670 | 2,422 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0181% | 4,935 |
| Cost of funding earning assets | 1.5168% | 3,444 |
| Net interest margin | 3.5013% | 5,151 |
| Noninterest income to average assets | 1.8210% | 388 |
| Noninterest expense to average assets | 3.4243% | 2,168 |
| Loan and lease loss provision to assets | 0.2840% | 3,757 |
| Net operating income to assets | 0.9247% | 2,452 |
| Return on assets (ROA) | 0.9358% | 2,474 |
| Pretax return on assets | 1.3303% | 1,966 |
| Return on Equity (ROE) | 9.2391% | 2,410 |
| Retained earnings to average equity (ytd only) | 9.2391% | 1,339 |
| Net charge-offs to loans | 0.5203% | 2,508 |
| Credit loss provision to net charge-offs | 77.2532% | 3,949 |
| Earnings coverage of net charge-offs (x) | 4.3476% | 2,651 |
| Efficiency ratio | 64.0591% | 5,484 |
| Assets per employee ($millions) | 2.7478% | 6,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7022% | 7,332 |
| Loan loss allowance to noncurrent loans | 184.4214% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 0.3811% | 6,517 |
| Noncurrent loans to loans | 0.3807% | 6,520 |
| Net loans and leases to total assets | 68.7858% | 3,203 |
| Net loans and leases to deposits | 85.6505% | 2,660 |
| Net loans and leases to core deposits | 88.2561% | 3,597 |
| Total domestic deposits to total assets | 80.3098% | 5,682 |
| Equity capital to assets | 10.1622% | 3,656 |
| Core capital (leverage) ratio | 8.2570% | 5,820 |
| Tier 1 risk-based capital ratio | 9.8663% | 7,114 |
| Total risk-based capital ratio | 10.4622% | 7,426 |
| Memoranda: | ||
| Average total assets | $253,482,000 | 2,621 |
| Average earning assets | $231,799,000 | 2,626 |
| Average equity | $25,673,500 | 2,547 |
| Average total loans | $179,136,500 | 2,494 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2344% | 5,492 |
| Cost of funding earning assets | 1.9377% | 3,260 |
| Net interest margin | 3.2966% | 5,762 |
| Noninterest income to average assets | 2.0904% | 351 |
| Noninterest expense to average assets | 3.3913% | 2,704 |
| Loan and lease loss provision to assets | 0.2553% | 5,353 |
| Net operating income to assets | 1.0500% | 1,668 |
| Return on assets (ROA) | 0.9995% | 1,885 |
| Pretax return on assets | 1.4096% | 1,412 |
| Return on Equity (ROE) | 9.7975% | 1,746 |
| Retained earnings to average equity (ytd only) | -2.3131% | 5,579 |
| Net charge-offs to loans | 0.1008% | 6,126 |
| Credit loss provision to net charge-offs | 366.8639% | 875 |
| Earnings coverage of net charge-offs (x) | 24.9467% | 893 |
| Efficiency ratio | 63.0632% | 5,955 |
| Assets per employee ($millions) | 2.9235% | 6,403 |
| Cash dividends to net income (ytd only)* | 123.6094% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7150% | 7,345 |
| Loan loss allowance to noncurrent loans | 159.6059% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 0.4868% | 6,229 |
| Noncurrent loans to loans | 0.4480% | 6,377 |
| Net loans and leases to total assets | 71.5758% | 2,867 |
| Net loans and leases to deposits | 92.3102% | 1,848 |
| Net loans and leases to core deposits | 105.7911% | 3,364 |
| Total domestic deposits to total assets | 77.5384% | 6,342 |
| Equity capital to assets | 10.0939% | 3,628 |
| Core capital (leverage) ratio | 8.0823% | 6,027 |
| Tier 1 risk-based capital ratio | 9.5145% | 7,216 |
| Total risk-based capital ratio | 10.1293% | 7,536 |
| Memoranda: | ||
| Average total assets | $242,829,400 | 2,686 |
| Average earning assets | $223,713,800 | 2,666 |
| Average equity | $24,771,600 | 2,633 |
| Average total loans | $167,732,400 | 2,652 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2319% | 5,749 |
| Cost of funding earning assets | 2.0122% | 3,288 |
| Net interest margin | 3.2197% | 5,949 |
| Noninterest income to average assets | 1.8165% | 448 |
| Noninterest expense to average assets | 3.3371% | 2,779 |
| Loan and lease loss provision to assets | 0.2437% | 5,011 |
| Net operating income to assets | 0.8697% | 2,540 |
| Return on assets (ROA) | 0.8697% | 2,609 |
| Pretax return on assets | 1.2121% | 2,226 |
| Return on Equity (ROE) | 8.5024% | 2,446 |
| Retained earnings to average equity (ytd only) | -7.7442% | 6,568 |
| Net charge-offs to loans | 0.0243% | 6,547 |
| Credit loss provision to net charge-offs | 1,466.6667% | 268 |
| Earnings coverage of net charge-offs (x) | 87.5978% | 399 |
| Efficiency ratio | 66.5973% | 5,271 |
| Assets per employee ($millions) | 2.8821% | 6,455 |
| Cash dividends to net income (ytd only)* | 191.0829% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7351% | 7,297 |
| Loan loss allowance to noncurrent loans | 158.0605% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 0.4866% | 6,247 |
| Noncurrent loans to loans | 0.4651% | 6,390 |
| Net loans and leases to total assets | 68.3697% | 3,873 |
| Net loans and leases to deposits | 87.8864% | 2,982 |
| Net loans and leases to core deposits | 100.3197% | 4,333 |
| Total domestic deposits to total assets | 77.7932% | 6,144 |
| Equity capital to assets | 9.9336% | 4,166 |
| Core capital (leverage) ratio | 8.6999% | 5,128 |
| Tier 1 risk-based capital ratio | 10.3232% | 6,655 |
| Total risk-based capital ratio | 10.9461% | 7,194 |
| Memoranda: | ||
| Average total assets | $240,681,750 | 2,726 |
| Average earning assets | $222,500,250 | 2,700 |
| Average equity | $24,620,000 | 2,674 |
| Average total loans | $164,352,500 | 2,719 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2302% | 5,957 |
| Cost of funding earning assets | 2.0933% | 3,301 |
| Net interest margin | 3.1369% | 6,137 |
| Noninterest income to average assets | 1.5804% | 603 |
| Noninterest expense to average assets | 3.2473% | 3,160 |
| Loan and lease loss provision to assets | 0.2182% | 4,857 |
| Net operating income to assets | 0.7621% | 3,004 |
| Return on assets (ROA) | 0.7621% | 3,113 |
| Pretax return on assets | 1.0366% | 2,852 |
| Return on Equity (ROE) | 7.3762% | 3,036 |
| Retained earnings to average equity (ytd only) | -16.9945% | 7,343 |
| Net charge-offs to loans | 0.0407% | 5,897 |
| Credit loss provision to net charge-offs | 787.8788% | 596 |
| Earnings coverage of net charge-offs (x) | 45.3030% | 741 |
| Efficiency ratio | 68.9411% | 4,988 |
| Assets per employee ($millions) | 2.8441% | 6,527 |
| Cash dividends to net income (ytd only)* | 330.3965% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6553% | 7,534 |
| Loan loss allowance to noncurrent loans | 123.3602% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 0.6113% | 5,891 |
| Noncurrent loans to loans | 0.5312% | 6,206 |
| Net loans and leases to total assets | 68.8504% | 3,985 |
| Net loans and leases to deposits | 87.5436% | 3,249 |
| Net loans and leases to core deposits | 100.8488% | 4,419 |
| Total domestic deposits to total assets | 78.6470% | 5,916 |
| Equity capital to assets | 9.9707% | 3,982 |
| Core capital (leverage) ratio | 8.7015% | 5,085 |
| Tier 1 risk-based capital ratio | 10.9042% | 5,978 |
| Total risk-based capital ratio | 11.4656% | 6,624 |
| Memoranda: | ||
| Average total assets | $238,290,000 | 2,769 |
| Average earning assets | $221,941,670 | 2,722 |
| Average equity | $24,619,670 | 2,676 |
| Average total loans | $162,232,000 | 2,775 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1577% | 6,455 |
| Cost of funding earning assets | 2.1713% | 3,314 |
| Net interest margin | 2.9864% | 6,517 |
| Noninterest income to average assets | 1.7209% | 459 |
| Noninterest expense to average assets | 3.2146% | 2,923 |
| Loan and lease loss provision to assets | 0.1337% | 5,251 |
| Net operating income to assets | 0.8404% | 2,951 |
| Return on assets (ROA) | 0.8404% | 3,097 |
| Pretax return on assets | 1.1579% | 2,777 |
| Return on Equity (ROE) | 7.9965% | 3,159 |
| Retained earnings to average equity (ytd only) | -15.8499% | 7,486 |
| Net charge-offs to loans | 0.0025% | 5,704 |
| Credit loss provision to net charge-offs | 8,000.0000% | 84 |
| Earnings coverage of net charge-offs (x) | 773.0000% | 23 |
| Efficiency ratio | 68.1869% | 4,927 |
| Assets per employee ($millions) | 2.9574% | 6,261 |
| Cash dividends to net income (ytd only)* | 298.2107% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5815% | 7,692 |
| Loan loss allowance to noncurrent loans | 69.0067% | 4,135 |
| Noncurrent assets plus other real estate owned to assets | 0.6205% | 5,636 |
| Noncurrent loans to loans | 0.8427% | 5,335 |
| Net loans and leases to total assets | 66.7684% | 4,391 |
| Net loans and leases to deposits | 84.5603% | 3,886 |
| Net loans and leases to core deposits | 98.8239% | 4,665 |
| Total domestic deposits to total assets | 78.9595% | 5,743 |
| Equity capital to assets | 10.4518% | 3,508 |
| Core capital (leverage) ratio | 9.2176% | 4,380 |
| Tier 1 risk-based capital ratio | 12.0263% | 4,942 |
| Total risk-based capital ratio | 12.5338% | 5,527 |
| Memoranda: | ||
| Average total assets | $239,404,500 | 2,773 |
| Average earning assets | $223,277,500 | 2,728 |
| Average equity | $25,161,000 | 2,637 |
| Average total loans | $161,547,500 | 2,822 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7264% | 6,691 |
| Cost of funding earning assets | 2.6599% | 3,373 |
| Net interest margin | 3.0665% | 6,747 |
| Noninterest income to average assets | 2.6863% | 233 |
| Noninterest expense to average assets | 3.3368% | 2,848 |
| Loan and lease loss provision to assets | 0.1917% | 4,967 |
| Net operating income to assets | 1.3544% | 1,334 |
| Return on assets (ROA) | 1.3708% | 1,250 |
| Pretax return on assets | 1.9875% | 624 |
| Return on Equity (ROE) | 12.6496% | 1,416 |
| Retained earnings to average equity (ytd only) | 12.6496% | 189 |
| Net charge-offs to loans | 0.3028% | 3,376 |
| Credit loss provision to net charge-offs | 96.3303% | 5,500 |
| Earnings coverage of net charge-offs (x) | 10.8303% | 2,456 |
| Efficiency ratio | 57.9205% | 6,711 |
| Assets per employee ($millions) | 3.1054% | 5,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5146% | 7,829 |
| Loan loss allowance to noncurrent loans | 55.3010% | 5,210 |
| Noncurrent assets plus other real estate owned to assets | 0.6738% | 5,199 |
| Noncurrent loans to loans | 0.9306% | 4,752 |
| Net loans and leases to total assets | 67.4426% | 4,565 |
| Net loans and leases to deposits | 86.2129% | 4,086 |
| Net loans and leases to core deposits | 103.5852% | 4,437 |
| Total domestic deposits to total assets | 78.2279% | 5,637 |
| Equity capital to assets | 10.5665% | 3,427 |
| Core capital (leverage) ratio | 9.5130% | 4,000 |
| Tier 1 risk-based capital ratio | 12.3975% | 4,508 |
| Total risk-based capital ratio | 12.8569% | 5,041 |
| Memoranda: | ||
| Average total assets | $219,073,000 | 2,882 |
| Average earning assets | $200,458,600 | 2,889 |
| Average equity | $23,739,800 | 2,758 |
| Average total loans | $143,981,800 | 3,024 |