Home > Five Points Bank of Hastings > Performance and Condition Ratios
Five Points Bank of Hastings, 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 | 3.3055% | 4,450 |
| Cost of funding earning assets | 2.1105% | 758 |
| Net interest margin | 1.1950% | 4,536 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 1.2920% | 4,441 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.1133% | 4,243 |
| Return on assets (ROA) | 0.1133% | 4,268 |
| Pretax return on assets | 0.0924% | 4,280 |
| Return on Equity (ROE) | 1.1600% | 4,242 |
| Retained earnings to average equity (ytd only) | -1.7041% | 4,245 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 92.4538% | 354 |
| Assets per employee ($millions) | 13.3216% | 302 |
| Cash dividends to net income (ytd only)* | 247.5248% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1261% | 2,686 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 45.1200% | 3,856 |
| Net loans and leases to deposits | 51.4038% | 3,899 |
| Net loans and leases to core deposits | 52.5345% | 4,019 |
| Total domestic deposits to total assets | 87.7700% | 1,427 |
| Equity capital to assets | 9.8097% | 2,118 |
| Core capital (leverage) ratio | 9.8076% | 2,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $534,815,800 | 1,656 |
| Average earning assets | $505,950,200 | 1,615 |
| Average equity | $52,461,200 | 1,544 |
| Average total loans | $235,844,000 | 2,077 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2372% | 4,473 |
| Cost of funding earning assets | 2.0041% | 705 |
| Net interest margin | 1.2332% | 4,552 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 1.2207% | 4,477 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.1838% | 4,244 |
| Return on assets (ROA) | 0.1838% | 4,264 |
| Pretax return on assets | 0.2072% | 4,255 |
| Return on Equity (ROE) | 1.8700% | 4,210 |
| Retained earnings to average equity (ytd only) | -1.9349% | 4,315 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 85.4875% | 535 |
| Assets per employee ($millions) | 13.3413% | 280 |
| Cash dividends to net income (ytd only)* | 203.2520% | 37 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1358% | 2,697 |
| Loan loss allowance to noncurrent loans | 517.5803% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.0991% | 2,914 |
| Noncurrent loans to loans | 0.2195% | 2,474 |
| Net loans and leases to total assets | 44.6600% | 3,888 |
| Net loans and leases to deposits | 50.7622% | 3,906 |
| Net loans and leases to core deposits | 52.6814% | 3,971 |
| Total domestic deposits to total assets | 87.9700% | 1,583 |
| Equity capital to assets | 9.8199% | 1,929 |
| Core capital (leverage) ratio | 9.8135% | 2,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3471% | 1,234 |
| Memoranda: | ||
| Average total assets | $535,304,000 | 1,653 |
| Average earning assets | $507,088,500 | 1,610 |
| Average equity | $52,508,500 | 1,534 |
| Average total loans | $234,018,500 | 2,087 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1293% | 4,517 |
| Cost of funding earning assets | 1.8464% | 684 |
| Net interest margin | 1.2829% | 4,591 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 1.1992% | 4,516 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.2609% | 4,216 |
| Return on assets (ROA) | 0.2605% | 4,239 |
| Pretax return on assets | 0.2754% | 4,252 |
| Return on Equity (ROE) | 2.6600% | 4,201 |
| Retained earnings to average equity (ytd only) | -3.0527% | 4,348 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 81.3006% | 759 |
| Assets per employee ($millions) | 13.0259% | 296 |
| Cash dividends to net income (ytd only)* | 214.8997% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1573% | 2,675 |
| Loan loss allowance to noncurrent loans | 517.5803% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 0.0991% | 2,841 |
| Noncurrent loans to loans | 0.2236% | 2,368 |
| Net loans and leases to total assets | 43.7900% | 3,886 |
| Net loans and leases to deposits | 53.4518% | 3,777 |
| Net loans and leases to core deposits | 56.3164% | 3,802 |
| Total domestic deposits to total assets | 81.9200% | 3,247 |
| Equity capital to assets | 9.8049% | 1,977 |
| Core capital (leverage) ratio | 9.8168% | 2,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $535,855,333 | 1,647 |
| Average earning assets | $507,916,667 | 1,609 |
| Average equity | $52,543,333 | 1,535 |
| Average total loans | $231,673,333 | 2,088 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9680% | 4,568 |
| Cost of funding earning assets | 1.6577% | 624 |
| Net interest margin | 1.3103% | 4,646 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 1.1685% | 4,579 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3234% | 4,216 |
| Return on assets (ROA) | 0.3234% | 4,172 |
| Pretax return on assets | 0.3234% | 4,241 |
| Return on Equity (ROE) | 3.3000% | 4,139 |
| Retained earnings to average equity (ytd only) | -8.1014% | 4,434 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.3217% | 972 |
| Assets per employee ($millions) | 12.6583% | 329 |
| Cash dividends to net income (ytd only)* | 345.6221% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2005% | 2,548 |
| Loan loss allowance to noncurrent loans | 91,266.6667% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 3,943 |
| Noncurrent loans to loans | 0.0013% | 3,867 |
| Net loans and leases to total assets | 42.3800% | 3,936 |
| Net loans and leases to deposits | 50.3653% | 3,876 |
| Net loans and leases to core deposits | 52.1075% | 3,907 |
| Total domestic deposits to total assets | 84.1500% | 3,062 |
| Equity capital to assets | 9.7997% | 1,935 |
| Core capital (leverage) ratio | 9.7654% | 2,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $536,752,000 | 1,663 |
| Average earning assets | $508,900,000 | 1,628 |
| Average equity | $52,633,000 | 1,547 |
| Average total loans | $229,220,500 | 2,120 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6725% | 4,420 |
| Cost of funding earning assets | 0.5362% | 1,182 |
| Net interest margin | 2.1362% | 4,501 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 1.2341% | 4,592 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.9139% | 2,902 |
| Return on assets (ROA) | 0.8570% | 3,059 |
| Pretax return on assets | 1.0257% | 3,000 |
| Return on Equity (ROE) | 8.7600% | 3,183 |
| Retained earnings to average equity (ytd only) | 6.8128% | 2,317 |
| Net charge-offs to loans | 0.0023% | 2,436 |
| Credit loss provision to net charge-offs | 1,000.0000% | 424 |
| Earnings coverage of net charge-offs (x) | 1,157.0000% | 155 |
| Efficiency ratio | 52.8063% | 3,904 |
| Assets per employee ($millions) | 12.6013% | 336 |
| Cash dividends to net income (ytd only)* | 22.2469% | 2,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1885% | 2,445 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 42.0100% | 3,980 |
| Net loans and leases to deposits | 51.2592% | 3,843 |
| Net loans and leases to core deposits | 52.4508% | 3,893 |
| Total domestic deposits to total assets | 81.9600% | 3,637 |
| Equity capital to assets | 9.8119% | 1,817 |
| Core capital (leverage) ratio | 10.1154% | 2,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $524,502,200 | 1,669 |
| Average earning assets | $499,429,000 | 1,630 |
| Average equity | $51,300,800 | 1,585 |
| Average total loans | $215,245,000 | 2,131 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5620% | 4,418 |
| Cost of funding earning assets | 0.2952% | 2,225 |
| Net interest margin | 2.2668% | 4,427 |
| Noninterest income to average assets | 0.2500% | 3,673 |
| Noninterest expense to average assets | 1.1801% | 4,637 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.0048% | 2,463 |
| Return on assets (ROA) | 1.0035% | 2,437 |
| Pretax return on assets | 1.2173% | 2,304 |
| Return on Equity (ROE) | 10.2700% | 2,641 |
| Retained earnings to average equity (ytd only) | 7.6455% | 2,134 |
| Net charge-offs to loans | 0.0025% | 2,169 |
| Credit loss provision to net charge-offs | 1,250.0000% | 348 |
| Earnings coverage of net charge-offs (x) | 1,201.2500% | 123 |
| Efficiency ratio | 48.9319% | 4,221 |
| Assets per employee ($millions) | 13.1156% | 292 |
| Cash dividends to net income (ytd only)* | 25.5428% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2128% | 2,461 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 40.5000% | 4,051 |
| Net loans and leases to deposits | 50.6113% | 3,814 |
| Net loans and leases to core deposits | 51.5957% | 3,875 |
| Total domestic deposits to total assets | 80.0200% | 4,094 |
| Equity capital to assets | 9.5463% | 1,851 |
| Core capital (leverage) ratio | 10.1067% | 2,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $520,164,000 | 1,691 |
| Average earning assets | $495,901,250 | 1,653 |
| Average equity | $50,834,500 | 1,628 |
| Average total loans | $211,462,500 | 2,158 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4697% | 4,404 |
| Cost of funding earning assets | 0.1726% | 3,283 |
| Net interest margin | 2.2972% | 4,338 |
| Noninterest income to average assets | 0.2510% | 3,666 |
| Noninterest expense to average assets | 1.2331% | 4,624 |
| Loan and lease loss provision to assets | 0.0196% | 2,249 |
| Net operating income to assets | 0.9868% | 2,205 |
| Return on assets (ROA) | 0.9848% | 2,182 |
| Pretax return on assets | 1.1888% | 2,115 |
| Return on Equity (ROE) | 9.9939% | 2,338 |
| Retained earnings to average equity (ytd only) | 6.0139% | 2,331 |
| Net charge-offs to loans | 0.0039% | 1,890 |
| Credit loss provision to net charge-offs | 1,250.0000% | 344 |
| Earnings coverage of net charge-offs (x) | 771.7500% | 183 |
| Efficiency ratio | 50.4574% | 4,221 |
| Assets per employee ($millions) | 13.1275% | 281 |
| Cash dividends to net income (ytd only)* | 39.8248% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2484% | 2,432 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 41.2603% | 4,022 |
| Net loans and leases to deposits | 49.5484% | 3,829 |
| Net loans and leases to core deposits | 50.2419% | 3,924 |
| Total domestic deposits to total assets | 83.2726% | 3,823 |
| Equity capital to assets | 9.7471% | 1,852 |
| Core capital (leverage) ratio | 9.8290% | 2,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $509,933,667 | 1,711 |
| Average earning assets | $486,775,667 | 1,683 |
| Average equity | $50,250,667 | 1,679 |
| Average total loans | $206,670,000 | 2,187 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3247% | 4,439 |
| Cost of funding earning assets | 0.1182% | 3,918 |
| Net interest margin | 2.2065% | 4,343 |
| Noninterest income to average assets | 0.2397% | 3,711 |
| Noninterest expense to average assets | 1.2000% | 4,666 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9778% | 1,976 |
| Return on assets (ROA) | 0.9778% | 1,972 |
| Pretax return on assets | 1.1498% | 1,982 |
| Return on Equity (ROE) | 9.8664% | 2,010 |
| Retained earnings to average equity (ytd only) | 1.8319% | 3,584 |
| Net charge-offs to loans | -0.0020% | 3,112 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0674% | 4,249 |
| Assets per employee ($millions) | 13.5633% | 274 |
| Cash dividends to net income (ytd only)* | 81.4332% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3391% | 2,167 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 38.5092% | 4,092 |
| Net loans and leases to deposits | 43.5354% | 4,090 |
| Net loans and leases to core deposits | 44.1188% | 4,158 |
| Total domestic deposits to total assets | 88.4549% | 2,314 |
| Equity capital to assets | 9.6815% | 2,151 |
| Core capital (leverage) ratio | 9.9525% | 2,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $502,351,500 | 1,724 |
| Average earning assets | $480,396,500 | 1,704 |
| Average equity | $49,785,000 | 1,750 |
| Average total loans | $200,307,000 | 2,229 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5900% | 4,417 |
| Cost of funding earning assets | 0.1398% | 4,068 |
| Net interest margin | 2.4502% | 4,254 |
| Noninterest income to average assets | 0.3156% | 3,519 |
| Noninterest expense to average assets | 1.3271% | 4,666 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1195% | 2,213 |
| Return on assets (ROA) | 1.0969% | 2,371 |
| Pretax return on assets | 1.3012% | 2,355 |
| Return on Equity (ROE) | 10.8026% | 2,235 |
| Retained earnings to average equity (ytd only) | 8.6898% | 1,284 |
| Net charge-offs to loans | -0.0344% | 4,170 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9838% | 4,282 |
| Assets per employee ($millions) | 12.5461% | 349 |
| Cash dividends to net income (ytd only)* | 19.5580% | 3,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3503% | 2,132 |
| Loan loss allowance to noncurrent loans | 1,512.9213% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.0364% | 3,764 |
| Noncurrent loans to loans | 0.0892% | 3,487 |
| Net loans and leases to total assets | 40.2104% | 4,083 |
| Net loans and leases to deposits | 45.7382% | 4,106 |
| Net loans and leases to core deposits | 46.3877% | 4,168 |
| Total domestic deposits to total assets | 87.9143% | 2,093 |
| Equity capital to assets | 10.1515% | 2,516 |
| Core capital (leverage) ratio | 10.4888% | 1,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $466,116,600 | 1,786 |
| Average earning assets | $445,064,000 | 1,747 |
| Average equity | $47,331,200 | 1,850 |
| Average total loans | $197,541,600 | 2,246 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6615% | 4,444 |
| Cost of funding earning assets | 0.1446% | 4,157 |
| Net interest margin | 2.5170% | 4,243 |
| Noninterest income to average assets | 0.2552% | 3,866 |
| Noninterest expense to average assets | 1.3072% | 4,752 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1104% | 2,515 |
| Return on assets (ROA) | 1.0795% | 2,691 |
| Pretax return on assets | 1.3106% | 2,598 |
| Return on Equity (ROE) | 10.6302% | 2,507 |
| Retained earnings to average equity (ytd only) | 7.7780% | 2,124 |
| Net charge-offs to loans | -0.0095% | 3,655 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2256% | 4,280 |
| Assets per employee ($millions) | 13.1565% | 293 |
| Cash dividends to net income (ytd only)* | 26.8312% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3640% | 2,162 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 38.1710% | 4,292 |
| Net loans and leases to deposits | 43.3543% | 4,332 |
| Net loans and leases to core deposits | 44.5303% | 4,361 |
| Total domestic deposits to total assets | 88.0443% | 1,819 |
| Equity capital to assets | 9.6582% | 3,238 |
| Core capital (leverage) ratio | 10.2926% | 2,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $460,321,750 | 1,824 |
| Average earning assets | $438,983,750 | 1,791 |
| Average equity | $46,746,250 | 1,888 |
| Average total loans | $197,066,750 | 2,288 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8371% | 4,299 |
| Cost of funding earning assets | 0.1522% | 4,193 |
| Net interest margin | 2.6849% | 4,010 |
| Noninterest income to average assets | 0.2568% | 3,858 |
| Noninterest expense to average assets | 1.3692% | 4,747 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1758% | 2,277 |
| Return on assets (ROA) | 1.1581% | 2,400 |
| Pretax return on assets | 1.4225% | 2,266 |
| Return on Equity (ROE) | 11.1998% | 2,352 |
| Retained earnings to average equity (ytd only) | 6.8739% | 2,479 |
| Net charge-offs to loans | -0.0141% | 3,823 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6645% | 4,343 |
| Assets per employee ($millions) | 12.2151% | 331 |
| Cash dividends to net income (ytd only)* | 38.6250% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3397% | 2,245 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 41.8704% | 4,189 |
| Net loans and leases to deposits | 47.8576% | 4,227 |
| Net loans and leases to core deposits | 49.2711% | 4,263 |
| Total domestic deposits to total assets | 87.4896% | 2,098 |
| Equity capital to assets | 10.1572% | 2,716 |
| Core capital (leverage) ratio | 10.1744% | 2,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $447,113,333 | 1,855 |
| Average earning assets | $425,790,667 | 1,829 |
| Average equity | $46,233,000 | 1,891 |
| Average total loans | $198,264,333 | 2,289 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0625% | 3,962 |
| Cost of funding earning assets | 0.1697% | 4,168 |
| Net interest margin | 2.8928% | 3,547 |
| Noninterest income to average assets | 0.2499% | 3,902 |
| Noninterest expense to average assets | 1.3516% | 4,781 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3463% | 1,690 |
| Return on assets (ROA) | 1.3097% | 1,879 |
| Pretax return on assets | 1.6052% | 1,712 |
| Return on Equity (ROE) | 12.5481% | 1,818 |
| Retained earnings to average equity (ytd only) | 3.8099% | 3,559 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0319% | 4,523 |
| Assets per employee ($millions) | 11.9557% | 351 |
| Cash dividends to net income (ytd only)* | 69.6379% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3338% | 2,277 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 41.6448% | 4,257 |
| Net loans and leases to deposits | 47.4328% | 4,285 |
| Net loans and leases to core deposits | 48.7942% | 4,345 |
| Total domestic deposits to total assets | 87.7975% | 1,944 |
| Equity capital to assets | 9.8642% | 2,833 |
| Core capital (leverage) ratio | 10.0122% | 2,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $438,582,500 | 1,872 |
| Average earning assets | $417,176,000 | 1,844 |
| Average equity | $45,776,000 | 1,893 |
| Average total loans | $198,901,000 | 2,291 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5290% | 3,966 |
| Cost of funding earning assets | 0.4090% | 3,525 |
| Net interest margin | 3.1200% | 3,583 |
| Noninterest income to average assets | 0.2846% | 3,780 |
| Noninterest expense to average assets | 1.6829% | 4,637 |
| Loan and lease loss provision to assets | 0.0800% | 3,376 |
| Net operating income to assets | 1.2263% | 1,460 |
| Return on assets (ROA) | 1.2353% | 1,534 |
| Pretax return on assets | 1.4745% | 1,425 |
| Return on Equity (ROE) | 10.6522% | 1,756 |
| Retained earnings to average equity (ytd only) | 8.3520% | 958 |
| Net charge-offs to loans | -0.0128% | 4,318 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1534% | 4,372 |
| Assets per employee ($millions) | 10.2723% | 484 |
| Cash dividends to net income (ytd only)* | 21.5936% | 3,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3060% | 2,381 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 48.2787% | 3,956 |
| Net loans and leases to deposits | 55.9405% | 4,003 |
| Net loans and leases to core deposits | 57.8490% | 4,058 |
| Total domestic deposits to total assets | 86.3037% | 2,231 |
| Equity capital to assets | 11.0876% | 2,185 |
| Core capital (leverage) ratio | 12.2950% | 1,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $374,895,200 | 1,943 |
| Average earning assets | $353,526,000 | 1,922 |
| Average equity | $43,474,600 | 1,890 |
| Average total loans | $194,826,800 | 2,290 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7493% | 3,684 |
| Cost of funding earning assets | 0.4845% | 3,328 |
| Net interest margin | 3.2648% | 3,298 |
| Noninterest income to average assets | 0.2904% | 3,748 |
| Noninterest expense to average assets | 1.6711% | 4,658 |
| Loan and lease loss provision to assets | 0.1093% | 2,951 |
| Net operating income to assets | 1.3301% | 1,287 |
| Return on assets (ROA) | 1.3421% | 1,350 |
| Pretax return on assets | 1.6008% | 1,183 |
| Return on Equity (ROE) | 11.4322% | 1,537 |
| Retained earnings to average equity (ytd only) | 8.3281% | 1,200 |
| Net charge-offs to loans | -0.0103% | 4,230 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,070 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6320% | 4,520 |
| Assets per employee ($millions) | 9.2999% | 635 |
| Cash dividends to net income (ytd only)* | 27.1518% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2158% | 2,580 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 57.1184% | 3,510 |
| Net loans and leases to deposits | 67.5510% | 3,507 |
| Net loans and leases to core deposits | 69.1290% | 3,691 |
| Total domestic deposits to total assets | 84.5559% | 2,607 |
| Equity capital to assets | 11.9921% | 1,683 |
| Core capital (leverage) ratio | 12.1265% | 1,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $365,895,750 | 1,955 |
| Average earning assets | $344,804,250 | 1,940 |
| Average equity | $42,953,750 | 1,899 |
| Average total loans | $193,283,750 | 2,291 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0115% | 3,292 |
| Cost of funding earning assets | 0.5873% | 3,029 |
| Net interest margin | 3.4241% | 3,024 |
| Noninterest income to average assets | 0.2858% | 3,749 |
| Noninterest expense to average assets | 1.7908% | 4,573 |
| Loan and lease loss provision to assets | 0.1649% | 2,351 |
| Net operating income to assets | 1.3291% | 1,281 |
| Return on assets (ROA) | 1.3467% | 1,327 |
| Pretax return on assets | 1.5940% | 1,239 |
| Return on Equity (ROE) | 11.5561% | 1,465 |
| Retained earnings to average equity (ytd only) | 6.8394% | 1,723 |
| Net charge-offs to loans | -0.0161% | 4,346 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,888 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7477% | 4,463 |
| Assets per employee ($millions) | 8.9156% | 697 |
| Cash dividends to net income (ytd only)* | 40.8163% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2568% | 2,220 |
| Loan loss allowance to noncurrent loans | 1,778.9116% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.0412% | 4,333 |
| Noncurrent loans to loans | 0.0707% | 4,181 |
| Net loans and leases to total assets | 57.6101% | 3,547 |
| Net loans and leases to deposits | 68.4293% | 3,530 |
| Net loans and leases to core deposits | 69.6214% | 3,737 |
| Total domestic deposits to total assets | 84.1893% | 2,680 |
| Equity capital to assets | 12.1632% | 1,558 |
| Core capital (leverage) ratio | 11.7447% | 1,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $363,863,000 | 1,949 |
| Average earning assets | $344,612,667 | 1,921 |
| Average equity | $42,401,667 | 1,907 |
| Average total loans | $186,014,333 | 2,347 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4972% | 4,633 |
| Cost of funding earning assets | 0.8196% | 2,282 |
| Net interest margin | 2.6776% | 4,684 |
| Noninterest income to average assets | 0.2819% | 3,841 |
| Noninterest expense to average assets | 1.6491% | 4,822 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0465% | 2,016 |
| Return on assets (ROA) | 1.0602% | 2,073 |
| Pretax return on assets | 1.1799% | 2,269 |
| Return on Equity (ROE) | 9.2952% | 1,995 |
| Retained earnings to average equity (ytd only) | -0.2481% | 4,030 |
| Net charge-offs to loans | -0.0046% | 3,840 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6074% | 3,926 |
| Assets per employee ($millions) | 9.2838% | 481 |
| Cash dividends to net income (ytd only)* | 102.6694% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2916% | 2,182 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 49.8683% | 4,249 |
| Net loans and leases to deposits | 58.3767% | 4,273 |
| Net loans and leases to core deposits | 59.4787% | 4,380 |
| Total domestic deposits to total assets | 85.4251% | 2,241 |
| Equity capital to assets | 11.8772% | 2,159 |
| Core capital (leverage) ratio | 11.1684% | 2,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $367,482,000 | 1,895 |
| Average earning assets | $347,479,500 | 1,861 |
| Average equity | $41,914,000 | 1,912 |
| Average total loans | $174,988,000 | 2,415 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6927% | 4,685 |
| Cost of funding earning assets | 0.8648% | 2,360 |
| Net interest margin | 2.8279% | 4,736 |
| Noninterest income to average assets | 0.2448% | 4,216 |
| Noninterest expense to average assets | 1.6308% | 4,929 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1051% | 2,424 |
| Return on assets (ROA) | 1.1078% | 2,505 |
| Pretax return on assets | 1.2992% | 2,505 |
| Return on Equity (ROE) | 9.2327% | 2,648 |
| Retained earnings to average equity (ytd only) | 6.7481% | 1,504 |
| Net charge-offs to loans | -0.0122% | 4,523 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7197% | 4,243 |
| Assets per employee ($millions) | 10.0573% | 356 |
| Cash dividends to net income (ytd only)* | 26.9107% | 3,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3392% | 1,750 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 44.3368% | 4,592 |
| Net loans and leases to deposits | 50.9545% | 4,651 |
| Net loans and leases to core deposits | 52.1986% | 4,700 |
| Total domestic deposits to total assets | 87.0126% | 1,602 |
| Equity capital to assets | 10.9705% | 3,025 |
| Core capital (leverage) ratio | 12.9263% | 1,267 |
| Tier 1 risk-based capital ratio | 18.3372% | 1,683 |
| Total risk-based capital ratio | 19.3431% | 1,695 |
| Memoranda: | ||
| Average total assets | $335,427,800 | 1,956 |
| Average earning assets | $318,115,600 | 1,925 |
| Average equity | $40,248,200 | 1,925 |
| Average total loans | $171,873,000 | 2,399 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8133% | 4,659 |
| Cost of funding earning assets | 0.8824% | 2,309 |
| Net interest margin | 2.9309% | 4,722 |
| Noninterest income to average assets | 0.3064% | 3,910 |
| Noninterest expense to average assets | 1.5844% | 5,017 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2919% | 1,891 |
| Return on assets (ROA) | 1.2944% | 1,970 |
| Pretax return on assets | 1.5086% | 1,929 |
| Return on Equity (ROE) | 10.5215% | 2,202 |
| Retained earnings to average equity (ytd only) | 7.1739% | 1,775 |
| Net charge-offs to loans | -0.0101% | 4,375 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2728% | 4,654 |
| Assets per employee ($millions) | 8.1862% | 644 |
| Cash dividends to net income (ytd only)* | 31.8168% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3205% | 1,882 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 55.0584% | 4,100 |
| Net loans and leases to deposits | 65.4663% | 4,098 |
| Net loans and leases to core deposits | 68.5254% | 4,134 |
| Total domestic deposits to total assets | 84.1019% | 2,783 |
| Equity capital to assets | 13.2283% | 1,495 |
| Core capital (leverage) ratio | 13.2044% | 1,254 |
| Tier 1 risk-based capital ratio | 18.0429% | 1,800 |
| Total risk-based capital ratio | 19.0478% | 1,822 |
| Memoranda: | ||
| Average total assets | $323,740,000 | 2,023 |
| Average earning assets | $307,474,000 | 1,991 |
| Average equity | $39,828,500 | 1,945 |
| Average total loans | $171,904,750 | 2,429 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7034% | 4,827 |
| Cost of funding earning assets | 0.8651% | 2,324 |
| Net interest margin | 2.8383% | 4,885 |
| Noninterest income to average assets | 0.3000% | 3,931 |
| Noninterest expense to average assets | 1.5630% | 5,082 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2184% | 2,076 |
| Return on assets (ROA) | 1.2184% | 2,133 |
| Pretax return on assets | 1.4380% | 2,073 |
| Return on Equity (ROE) | 10.1452% | 2,322 |
| Retained earnings to average equity (ytd only) | 5.0675% | 2,738 |
| Net charge-offs to loans | -0.0152% | 4,455 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0829% | 4,650 |
| Assets per employee ($millions) | 8.9567% | 471 |
| Cash dividends to net income (ytd only)* | 50.0501% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3171% | 1,936 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 50.4573% | 4,446 |
| Net loans and leases to deposits | 57.7199% | 4,529 |
| Net loans and leases to core deposits | 59.8702% | 4,579 |
| Total domestic deposits to total assets | 87.4175% | 1,378 |
| Equity capital to assets | 11.7546% | 2,379 |
| Core capital (leverage) ratio | 12.4781% | 1,545 |
| Tier 1 risk-based capital ratio | 17.1692% | 2,038 |
| Total risk-based capital ratio | 18.1528% | 2,054 |
| Memoranda: | ||
| Average total assets | $327,961,670 | 2,011 |
| Average earning assets | $312,091,330 | 1,971 |
| Average equity | $39,388,000 | 1,962 |
| Average total loans | $171,351,330 | 2,444 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7000% | 4,850 |
| Cost of funding earning assets | 0.8080% | 2,489 |
| Net interest margin | 2.8920% | 4,887 |
| Noninterest income to average assets | 0.2897% | 3,938 |
| Noninterest expense to average assets | 1.5266% | 5,151 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3227% | 1,619 |
| Return on assets (ROA) | 1.3227% | 1,660 |
| Pretax return on assets | 1.5216% | 1,696 |
| Return on Equity (ROE) | 10.8909% | 1,986 |
| Retained earnings to average equity (ytd only) | 0.6551% | 4,395 |
| Net charge-offs to loans | -0.0024% | 3,883 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0816% | 4,822 |
| Assets per employee ($millions) | 8.4005% | 582 |
| Cash dividends to net income (ytd only)* | 93.9850% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3170% | 2,009 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 53.5166% | 4,236 |
| Net loans and leases to deposits | 62.3836% | 4,283 |
| Net loans and leases to core deposits | 65.3119% | 4,309 |
| Total domestic deposits to total assets | 85.7862% | 2,369 |
| Equity capital to assets | 12.2399% | 1,884 |
| Core capital (leverage) ratio | 12.2167% | 1,648 |
| Tier 1 risk-based capital ratio | 17.1812% | 2,050 |
| Total risk-based capital ratio | 18.1838% | 2,078 |
| Memoranda: | ||
| Average total assets | $321,766,000 | 2,054 |
| Average earning assets | $306,920,000 | 2,016 |
| Average equity | $39,078,500 | 1,968 |
| Average total loans | $170,014,500 | 2,476 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4588% | 4,956 |
| Cost of funding earning assets | 0.6584% | 2,335 |
| Net interest margin | 2.8003% | 5,023 |
| Noninterest income to average assets | 0.3392% | 3,846 |
| Noninterest expense to average assets | 1.7076% | 5,083 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1704% | 2,310 |
| Return on assets (ROA) | 1.1728% | 2,293 |
| Pretax return on assets | 1.3094% | 2,463 |
| Return on Equity (ROE) | 9.5638% | 2,714 |
| Retained earnings to average equity (ytd only) | 9.5638% | 722 |
| Net charge-offs to loans | -0.0244% | 4,752 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6481% | 4,327 |
| Assets per employee ($millions) | 8.5346% | 546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3654% | 1,767 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 50.7642% | 4,469 |
| Net loans and leases to deposits | 58.2228% | 4,565 |
| Net loans and leases to core deposits | 60.7449% | 4,596 |
| Total domestic deposits to total assets | 87.1895% | 1,689 |
| Equity capital to assets | 12.0516% | 1,860 |
| Core capital (leverage) ratio | 13.0244% | 1,240 |
| Tier 1 risk-based capital ratio | 18.5530% | 1,607 |
| Total risk-based capital ratio | 19.6348% | 1,602 |
| Memoranda: | ||
| Average total assets | $303,643,600 | 2,137 |
| Average earning assets | $290,075,800 | 2,075 |
| Average equity | $37,234,200 | 1,974 |
| Average total loans | $155,435,800 | 2,577 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4046% | 5,029 |
| Cost of funding earning assets | 0.6165% | 2,362 |
| Net interest margin | 2.7880% | 5,101 |
| Noninterest income to average assets | 0.2948% | 4,177 |
| Noninterest expense to average assets | 1.6921% | 5,142 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1332% | 2,519 |
| Return on assets (ROA) | 1.1364% | 2,519 |
| Pretax return on assets | 1.2686% | 2,733 |
| Return on Equity (ROE) | 9.2243% | 2,988 |
| Retained earnings to average equity (ytd only) | 9.2243% | 1,141 |
| Net charge-offs to loans | -0.0140% | 4,489 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2205% | 4,220 |
| Assets per employee ($millions) | 7.9667% | 659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3873% | 1,751 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 52.9955% | 4,420 |
| Net loans and leases to deposits | 61.1631% | 4,484 |
| Net loans and leases to core deposits | 63.0321% | 4,570 |
| Total domestic deposits to total assets | 86.6463% | 1,897 |
| Equity capital to assets | 12.5853% | 1,529 |
| Core capital (leverage) ratio | 12.9492% | 1,305 |
| Tier 1 risk-based capital ratio | 18.7331% | 1,606 |
| Total risk-based capital ratio | 19.8429% | 1,595 |
| Memoranda: | ||
| Average total assets | $298,476,250 | 2,174 |
| Average earning assets | $285,021,500 | 2,114 |
| Average equity | $36,771,500 | 1,996 |
| Average total loans | $152,566,250 | 2,624 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3076% | 5,133 |
| Cost of funding earning assets | 0.5751% | 2,400 |
| Net interest margin | 2.7325% | 5,186 |
| Noninterest income to average assets | 0.2801% | 4,310 |
| Noninterest expense to average assets | 1.6690% | 5,218 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1369% | 2,448 |
| Return on assets (ROA) | 1.1419% | 2,436 |
| Pretax return on assets | 1.2267% | 2,843 |
| Return on Equity (ROE) | 9.3370% | 2,874 |
| Retained earnings to average equity (ytd only) | 9.3370% | 1,114 |
| Net charge-offs to loans | -0.0174% | 4,506 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7452% | 4,275 |
| Assets per employee ($millions) | 7.7390% | 697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4167% | 1,694 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 51.9664% | 4,482 |
| Net loans and leases to deposits | 62.3311% | 4,402 |
| Net loans and leases to core deposits | 64.3195% | 4,475 |
| Total domestic deposits to total assets | 83.3715% | 3,298 |
| Equity capital to assets | 12.3017% | 1,663 |
| Core capital (leverage) ratio | 12.7405% | 1,332 |
| Tier 1 risk-based capital ratio | 19.1379% | 1,519 |
| Total risk-based capital ratio | 20.2997% | 1,504 |
| Memoranda: | ||
| Average total assets | $297,057,330 | 2,194 |
| Average earning assets | $283,773,670 | 2,135 |
| Average equity | $36,328,670 | 2,019 |
| Average total loans | $149,191,000 | 2,672 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2235% | 5,213 |
| Cost of funding earning assets | 0.5401% | 2,477 |
| Net interest margin | 2.6834% | 5,266 |
| Noninterest income to average assets | 0.1873% | 4,900 |
| Noninterest expense to average assets | 1.7253% | 5,224 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0764% | 2,539 |
| Return on assets (ROA) | 1.0846% | 2,516 |
| Pretax return on assets | 1.0330% | 3,420 |
| Return on Equity (ROE) | 8.8954% | 2,957 |
| Retained earnings to average equity (ytd only) | 8.8954% | 1,499 |
| Net charge-offs to loans | -0.0028% | 3,859 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7345% | 3,672 |
| Assets per employee ($millions) | 7.4077% | 802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4713% | 1,576 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 51.9699% | 4,440 |
| Net loans and leases to deposits | 60.9821% | 4,403 |
| Net loans and leases to core deposits | 62.9633% | 4,495 |
| Total domestic deposits to total assets | 85.2215% | 2,850 |
| Equity capital to assets | 12.5414% | 1,460 |
| Core capital (leverage) ratio | 12.5724% | 1,360 |
| Tier 1 risk-based capital ratio | 19.1566% | 1,516 |
| Total risk-based capital ratio | 20.3420% | 1,492 |
| Memoranda: | ||
| Average total assets | $294,676,000 | 2,224 |
| Average earning assets | $281,434,000 | 2,170 |
| Average equity | $35,928,500 | 2,049 |
| Average total loans | $144,237,000 | 2,760 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2030% | 5,185 |
| Cost of funding earning assets | 0.4569% | 2,705 |
| Net interest margin | 2.7460% | 5,229 |
| Noninterest income to average assets | 0.4894% | 3,063 |
| Noninterest expense to average assets | 1.7166% | 5,320 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.1398% | 1,716 |
| Return on assets (ROA) | 1.1406% | 1,748 |
| Pretax return on assets | 1.3880% | 2,030 |
| Return on Equity (ROE) | 9.5810% | 2,060 |
| Retained earnings to average equity (ytd only) | 9.5810% | 411 |
| Net charge-offs to loans | 0.0180% | 3,500 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 159.0400% | 459 |
| Efficiency ratio | 55.3108% | 4,833 |
| Assets per employee ($millions) | 7.9066% | 657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6467% | 1,043 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 44.5495% | 4,952 |
| Net loans and leases to deposits | 50.9658% | 5,028 |
| Net loans and leases to core deposits | 52.9315% | 5,043 |
| Total domestic deposits to total assets | 87.4106% | 1,809 |
| Equity capital to assets | 11.8571% | 1,939 |
| Core capital (leverage) ratio | 12.6272% | 1,298 |
| Tier 1 risk-based capital ratio | 19.6952% | 1,380 |
| Total risk-based capital ratio | 20.9341% | 1,347 |
| Memoranda: | ||
| Average total assets | $286,679,200 | 2,247 |
| Average earning assets | $272,901,400 | 2,191 |
| Average equity | $34,130,000 | 2,127 |
| Average total loans | $138,526,400 | 2,803 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4460% | 4,898 |
| Cost of funding earning assets | 0.4552% | 2,665 |
| Net interest margin | 2.9907% | 4,938 |
| Noninterest income to average assets | 0.3493% | 4,036 |
| Noninterest expense to average assets | 1.6462% | 5,410 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2614% | 1,466 |
| Return on assets (ROA) | 1.2625% | 1,491 |
| Pretax return on assets | 1.5497% | 1,580 |
| Return on Equity (ROE) | 10.5933% | 1,860 |
| Retained earnings to average equity (ytd only) | 10.5933% | 470 |
| Net charge-offs to loans | 0.0172% | 3,163 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 182.7175% | 465 |
| Efficiency ratio | 51.5326% | 5,139 |
| Assets per employee ($millions) | 7.4160% | 790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5991% | 1,243 |
| Loan loss allowance to noncurrent loans | 14,986.6667% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.0053% | 5,242 |
| Noncurrent loans to loans | 0.0107% | 5,099 |
| Net loans and leases to total assets | 49.0857% | 4,764 |
| Net loans and leases to deposits | 58.3633% | 4,736 |
| Net loans and leases to core deposits | 60.0739% | 4,816 |
| Total domestic deposits to total assets | 84.1038% | 3,079 |
| Equity capital to assets | 12.4325% | 1,696 |
| Core capital (leverage) ratio | 12.5863% | 1,384 |
| Tier 1 risk-based capital ratio | 19.8624% | 1,387 |
| Total risk-based capital ratio | 21.1124% | 1,357 |
| Memoranda: | ||
| Average total assets | $283,236,000 | 2,281 |
| Average earning assets | $269,449,250 | 2,227 |
| Average equity | $33,756,250 | 2,154 |
| Average total loans | $139,135,250 | 2,811 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5279% | 4,689 |
| Cost of funding earning assets | 0.4097% | 2,982 |
| Net interest margin | 3.1182% | 4,635 |
| Noninterest income to average assets | 0.3299% | 4,184 |
| Noninterest expense to average assets | 1.5995% | 5,497 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4368% | 985 |
| Return on assets (ROA) | 1.4374% | 1,015 |
| Pretax return on assets | 1.6982% | 1,063 |
| Return on Equity (ROE) | 12.2353% | 1,226 |
| Retained earnings to average equity (ytd only) | 12.2353% | 300 |
| Net charge-offs to loans | 0.0260% | 2,694 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 133.7778% | 539 |
| Efficiency ratio | 48.5140% | 5,377 |
| Assets per employee ($millions) | 7.3367% | 803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5809% | 1,312 |
| Loan loss allowance to noncurrent loans | 14,986.6667% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.0054% | 5,283 |
| Noncurrent loans to loans | 0.0105% | 5,140 |
| Net loans and leases to total assets | 50.1989% | 4,697 |
| Net loans and leases to deposits | 63.7001% | 4,389 |
| Net loans and leases to core deposits | 65.9350% | 4,470 |
| Total domestic deposits to total assets | 78.8051% | 4,663 |
| Equity capital to assets | 12.3368% | 1,707 |
| Core capital (leverage) ratio | 12.3502% | 1,442 |
| Tier 1 risk-based capital ratio | 19.3470% | 1,509 |
| Total risk-based capital ratio | 20.5969% | 1,457 |
| Memoranda: | ||
| Average total assets | $283,711,670 | 2,286 |
| Average earning assets | $269,961,330 | 2,239 |
| Average equity | $33,329,670 | 2,173 |
| Average total loans | $138,655,000 | 2,825 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1688% | 5,285 |
| Cost of funding earning assets | 0.3581% | 3,441 |
| Net interest margin | 2.8107% | 5,223 |
| Noninterest income to average assets | 0.3578% | 3,977 |
| Noninterest expense to average assets | 1.6857% | 5,486 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1252% | 1,774 |
| Return on assets (ROA) | 1.1252% | 1,809 |
| Pretax return on assets | 1.3488% | 2,066 |
| Return on Equity (ROE) | 9.8178% | 2,043 |
| Retained earnings to average equity (ytd only) | 9.8178% | 850 |
| Net charge-offs to loans | -0.3624% | 5,708 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5504% | 4,987 |
| Assets per employee ($millions) | 7.5304% | 743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7056% | 1,128 |
| Loan loss allowance to noncurrent loans | 15,933.3333% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 5,352 |
| Noncurrent loans to loans | 0.0107% | 5,203 |
| Net loans and leases to total assets | 48.1325% | 4,812 |
| Net loans and leases to deposits | 58.3480% | 4,677 |
| Net loans and leases to core deposits | 60.0431% | 4,774 |
| Total domestic deposits to total assets | 82.4921% | 4,017 |
| Equity capital to assets | 11.5881% | 2,121 |
| Core capital (leverage) ratio | 11.8767% | 1,706 |
| Tier 1 risk-based capital ratio | 16.8764% | 2,224 |
| Total risk-based capital ratio | 18.0928% | 2,203 |
| Memoranda: | ||
| Average total assets | $286,171,000 | 2,283 |
| Average earning assets | $272,529,500 | 2,234 |
| Average equity | $32,797,500 | 2,204 |
| Average total loans | $136,883,000 | 2,865 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1009% | 5,402 |
| Cost of funding earning assets | 0.3416% | 3,614 |
| Net interest margin | 2.7594% | 5,342 |
| Noninterest income to average assets | 0.4373% | 3,635 |
| Noninterest expense to average assets | 1.6970% | 5,570 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1117% | 1,853 |
| Return on assets (ROA) | 1.1206% | 1,903 |
| Pretax return on assets | 1.3973% | 1,952 |
| Return on Equity (ROE) | 10.2155% | 1,873 |
| Retained earnings to average equity (ytd only) | 10.2155% | 380 |
| Net charge-offs to loans | -0.1962% | 5,739 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0388% | 5,147 |
| Assets per employee ($millions) | 7.7348% | 673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6956% | 1,145 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 45.9058% | 5,020 |
| Net loans and leases to deposits | 54.1025% | 5,005 |
| Net loans and leases to core deposits | 55.3353% | 5,079 |
| Total domestic deposits to total assets | 84.8497% | 3,112 |
| Equity capital to assets | 11.3335% | 2,304 |
| Core capital (leverage) ratio | 11.9027% | 1,663 |
| Tier 1 risk-based capital ratio | 17.7770% | 1,909 |
| Total risk-based capital ratio | 19.0189% | 1,874 |
| Memoranda: | ||
| Average total assets | $279,673,800 | 2,287 |
| Average earning assets | $268,178,200 | 2,228 |
| Average equity | $30,678,800 | 2,311 |
| Average total loans | $130,979,200 | 2,903 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0401% | 5,539 |
| Cost of funding earning assets | 0.3461% | 3,575 |
| Net interest margin | 2.6940% | 5,498 |
| Noninterest income to average assets | 0.4162% | 3,809 |
| Noninterest expense to average assets | 1.7038% | 5,605 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9952% | 2,453 |
| Return on assets (ROA) | 1.0487% | 2,333 |
| Pretax return on assets | 1.3690% | 2,159 |
| Return on Equity (ROE) | 9.6427% | 2,209 |
| Retained earnings to average equity (ytd only) | 9.6427% | 653 |
| Net charge-offs to loans | -0.1985% | 5,761 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7300% | 4,988 |
| Assets per employee ($millions) | 7.4980% | 717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6429% | 1,342 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 47.5401% | 4,988 |
| Net loans and leases to deposits | 55.8060% | 5,010 |
| Net loans and leases to core deposits | 57.2282% | 5,089 |
| Total domestic deposits to total assets | 85.1881% | 2,724 |
| Equity capital to assets | 11.3054% | 2,699 |
| Core capital (leverage) ratio | 11.5593% | 1,982 |
| Tier 1 risk-based capital ratio | 16.6769% | 2,343 |
| Total risk-based capital ratio | 17.8466% | 2,331 |
| Memoranda: | ||
| Average total assets | $278,045,750 | 2,304 |
| Average earning assets | $267,004,250 | 2,239 |
| Average equity | $30,239,750 | 2,350 |
| Average total loans | $130,313,500 | 2,923 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0433% | 5,608 |
| Cost of funding earning assets | 0.3487% | 3,587 |
| Net interest margin | 2.6946% | 5,575 |
| Noninterest income to average assets | 0.3608% | 4,183 |
| Noninterest expense to average assets | 1.6338% | 5,738 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0149% | 2,325 |
| Return on assets (ROA) | 1.0631% | 2,234 |
| Pretax return on assets | 1.3779% | 2,102 |
| Return on Equity (ROE) | 9.9046% | 2,090 |
| Retained earnings to average equity (ytd only) | 9.9046% | 621 |
| Net charge-offs to loans | -0.2015% | 5,812 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3985% | 5,208 |
| Assets per employee ($millions) | 7.1572% | 816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6081% | 1,506 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 48.1215% | 4,984 |
| Net loans and leases to deposits | 56.4775% | 4,986 |
| Net loans and leases to core deposits | 58.0388% | 5,070 |
| Total domestic deposits to total assets | 85.2047% | 2,780 |
| Equity capital to assets | 11.2695% | 2,776 |
| Core capital (leverage) ratio | 11.2689% | 2,174 |
| Tier 1 risk-based capital ratio | 16.4873% | 2,437 |
| Total risk-based capital ratio | 17.6359% | 2,414 |
| Memoranda: | ||
| Average total assets | $278,252,670 | 2,313 |
| Average earning assets | $267,272,670 | 2,250 |
| Average equity | $29,865,000 | 2,378 |
| Average total loans | $129,054,330 | 2,945 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9783% | 5,704 |
| Cost of funding earning assets | 0.3403% | 3,714 |
| Net interest margin | 2.6380% | 5,681 |
| Noninterest income to average assets | 0.3710% | 4,071 |
| Noninterest expense to average assets | 1.6831% | 5,762 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8802% | 2,852 |
| Return on assets (ROA) | 0.8884% | 2,938 |
| Pretax return on assets | 1.2339% | 2,564 |
| Return on Equity (ROE) | 8.4825% | 2,668 |
| Retained earnings to average equity (ytd only) | 8.4825% | 1,269 |
| Net charge-offs to loans | -0.2078% | 5,860 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9256% | 5,010 |
| Assets per employee ($millions) | 7.3430% | 758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6215% | 1,547 |
| Loan loss allowance to noncurrent loans | 183.3039% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 0.4057% | 3,969 |
| Noncurrent loans to loans | 0.8846% | 2,632 |
| Net loans and leases to total assets | 45.1173% | 5,176 |
| Net loans and leases to deposits | 52.5384% | 5,193 |
| Net loans and leases to core deposits | 54.3017% | 5,230 |
| Total domestic deposits to total assets | 85.8749% | 2,723 |
| Equity capital to assets | 10.6772% | 3,282 |
| Core capital (leverage) ratio | 11.1002% | 2,312 |
| Tier 1 risk-based capital ratio | 15.6310% | 2,850 |
| Total risk-based capital ratio | 16.7176% | 2,869 |
| Memoranda: | ||
| Average total assets | $281,393,000 | 2,302 |
| Average earning assets | $270,360,000 | 2,240 |
| Average equity | $29,472,500 | 2,402 |
| Average total loans | $127,073,500 | 2,985 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1208% | 5,612 |
| Cost of funding earning assets | 0.3482% | 3,717 |
| Net interest margin | 2.7726% | 5,565 |
| Noninterest income to average assets | 0.3717% | 4,251 |
| Noninterest expense to average assets | 1.6564% | 5,884 |
| Loan and lease loss provision to assets | 0.0146% | 4,117 |
| Net operating income to assets | 1.0897% | 1,970 |
| Return on assets (ROA) | 1.1013% | 1,992 |
| Pretax return on assets | 1.3765% | 1,990 |
| Return on Equity (ROE) | 10.9109% | 1,644 |
| Retained earnings to average equity (ytd only) | 10.9109% | 354 |
| Net charge-offs to loans | -0.3126% | 6,018 |
| Credit loss provision to net charge-offs | -10.3359% | 4,948 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6143% | 5,482 |
| Assets per employee ($millions) | 7.6689% | 641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5922% | 1,637 |
| Loan loss allowance to noncurrent loans | 354.9470% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 0.1995% | 4,792 |
| Noncurrent loans to loans | 0.4486% | 3,864 |
| Net loans and leases to total assets | 43.7602% | 5,292 |
| Net loans and leases to deposits | 50.6967% | 5,354 |
| Net loans and leases to core deposits | 52.2936% | 5,401 |
| Total domestic deposits to total assets | 86.3176% | 2,482 |
| Equity capital to assets | 10.2738% | 3,656 |
| Core capital (leverage) ratio | 10.8958% | 2,497 |
| Tier 1 risk-based capital ratio | 15.9505% | 2,709 |
| Total risk-based capital ratio | 17.0474% | 2,720 |
| Memoranda: | ||
| Average total assets | $274,392,400 | 2,307 |
| Average earning assets | $263,362,800 | 2,247 |
| Average equity | $27,697,200 | 2,489 |
| Average total loans | $123,816,000 | 2,992 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1433% | 5,653 |
| Cost of funding earning assets | 0.3490% | 3,766 |
| Net interest margin | 2.7943% | 5,588 |
| Noninterest income to average assets | 0.3671% | 4,303 |
| Noninterest expense to average assets | 1.6741% | 5,926 |
| Loan and lease loss provision to assets | 0.0196% | 3,883 |
| Net operating income to assets | 1.0828% | 2,084 |
| Return on assets (ROA) | 1.0914% | 2,130 |
| Pretax return on assets | 1.3644% | 2,161 |
| Return on Equity (ROE) | 10.8631% | 1,759 |
| Retained earnings to average equity (ytd only) | 10.8631% | 493 |
| Net charge-offs to loans | -0.2099% | 6,005 |
| Credit loss provision to net charge-offs | -20.6186% | 4,890 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9373% | 5,447 |
| Assets per employee ($millions) | 7.4687% | 697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4131% | 2,534 |
| Loan loss allowance to noncurrent loans | 295.7655% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 0.2222% | 4,879 |
| Noncurrent loans to loans | 0.4778% | 3,931 |
| Net loans and leases to total assets | 45.8483% | 5,237 |
| Net loans and leases to deposits | 55.3059% | 5,170 |
| Net loans and leases to core deposits | 58.1696% | 5,179 |
| Total domestic deposits to total assets | 82.8995% | 3,844 |
| Equity capital to assets | 10.2681% | 3,857 |
| Core capital (leverage) ratio | 10.2088% | 3,365 |
| Tier 1 risk-based capital ratio | 15.0110% | 3,284 |
| Total risk-based capital ratio | 15.9870% | 3,367 |
| Memoranda: | ||
| Average total assets | $272,052,750 | 2,337 |
| Average earning assets | $260,949,500 | 2,276 |
| Average equity | $27,333,500 | 2,530 |
| Average total loans | $123,225,250 | 3,027 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1230% | 5,716 |
| Cost of funding earning assets | 0.3458% | 3,859 |
| Net interest margin | 2.7772% | 5,665 |
| Noninterest income to average assets | 0.3703% | 4,294 |
| Noninterest expense to average assets | 1.5815% | 6,061 |
| Loan and lease loss provision to assets | 0.0296% | 3,537 |
| Net operating income to assets | 1.1553% | 1,759 |
| Return on assets (ROA) | 1.1655% | 1,793 |
| Pretax return on assets | 1.4367% | 1,845 |
| Return on Equity (ROE) | 11.6874% | 1,478 |
| Retained earnings to average equity (ytd only) | 11.6874% | 430 |
| Net charge-offs to loans | -0.0049% | 4,736 |
| Credit loss provision to net charge-offs | -1,333.3333% | 5,410 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1062% | 5,703 |
| Assets per employee ($millions) | 7.5144% | 667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3308% | 3,074 |
| Loan loss allowance to noncurrent loans | 276.3605% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 0.2115% | 5,020 |
| Noncurrent loans to loans | 0.4815% | 4,028 |
| Net loans and leases to total assets | 43.3342% | 5,415 |
| Net loans and leases to deposits | 50.2725% | 5,488 |
| Net loans and leases to core deposits | 53.0367% | 5,483 |
| Total domestic deposits to total assets | 86.1987% | 2,580 |
| Equity capital to assets | 9.9762% | 4,067 |
| Core capital (leverage) ratio | 10.3355% | 3,171 |
| Tier 1 risk-based capital ratio | 14.9784% | 3,369 |
| Total risk-based capital ratio | 15.8707% | 3,494 |
| Memoranda: | ||
| Average total assets | $270,623,000 | 2,364 |
| Average earning assets | $259,683,000 | 2,299 |
| Average equity | $26,986,330 | 2,572 |
| Average total loans | $121,462,330 | 3,062 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1547% | 5,713 |
| Cost of funding earning assets | 0.3389% | 3,993 |
| Net interest margin | 2.8158% | 5,613 |
| Noninterest income to average assets | 0.3312% | 4,541 |
| Noninterest expense to average assets | 1.6619% | 6,050 |
| Loan and lease loss provision to assets | 0.0450% | 3,021 |
| Net operating income to assets | 1.1969% | 1,559 |
| Return on assets (ROA) | 1.2064% | 1,622 |
| Pretax return on assets | 1.3367% | 2,130 |
| Return on Equity (ROE) | 12.1003% | 1,319 |
| Retained earnings to average equity (ytd only) | 12.1003% | 557 |
| Net charge-offs to loans | -0.0066% | 4,575 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7925% | 5,613 |
| Assets per employee ($millions) | 7.2061% | 776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3563% | 3,114 |
| Loan loss allowance to noncurrent loans | 274.4898% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 0.2205% | 5,061 |
| Noncurrent loans to loans | 0.4941% | 4,096 |
| Net loans and leases to total assets | 44.0268% | 5,345 |
| Net loans and leases to deposits | 51.0514% | 5,387 |
| Net loans and leases to core deposits | 53.9544% | 5,370 |
| Total domestic deposits to total assets | 86.2403% | 2,805 |
| Equity capital to assets | 10.1153% | 3,997 |
| Core capital (leverage) ratio | 10.5117% | 2,943 |
| Tier 1 risk-based capital ratio | 15.2413% | 3,295 |
| Total risk-based capital ratio | 16.1525% | 3,420 |
| Memoranda: | ||
| Average total assets | $266,918,500 | 2,413 |
| Average earning assets | $256,123,000 | 2,339 |
| Average equity | $26,611,000 | 2,618 |
| Average total loans | $121,139,500 | 3,075 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2093% | 5,825 |
| Cost of funding earning assets | 0.3830% | 3,874 |
| Net interest margin | 2.8263% | 5,768 |
| Noninterest income to average assets | 0.3608% | 4,513 |
| Noninterest expense to average assets | 1.7174% | 6,139 |
| Loan and lease loss provision to assets | 0.2751% | 779 |
| Net operating income to assets | 0.9348% | 2,704 |
| Return on assets (ROA) | 0.9495% | 2,717 |
| Pretax return on assets | 1.0968% | 3,095 |
| Return on Equity (ROE) | 9.6468% | 2,276 |
| Retained earnings to average equity (ytd only) | 9.6468% | 576 |
| Net charge-offs to loans | 0.5907% | 676 |
| Credit loss provision to net charge-offs | 102.3392% | 2,340 |
| Earnings coverage of net charge-offs (x) | 5.0409% | 3,510 |
| Efficiency ratio | 55.8966% | 5,675 |
| Assets per employee ($millions) | 7.0319% | 834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2833% | 3,522 |
| Loan loss allowance to noncurrent loans | 232.3054% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 0.2549% | 5,013 |
| Noncurrent loans to loans | 0.5524% | 4,008 |
| Net loans and leases to total assets | 45.5430% | 5,366 |
| Net loans and leases to deposits | 52.6219% | 5,436 |
| Net loans and leases to core deposits | 55.8733% | 5,394 |
| Total domestic deposits to total assets | 86.5477% | 2,541 |
| Equity capital to assets | 9.8244% | 4,316 |
| Core capital (leverage) ratio | 10.5780% | 2,869 |
| Tier 1 risk-based capital ratio | 14.4317% | 3,813 |
| Total risk-based capital ratio | 15.3005% | 3,982 |
| Memoranda: | ||
| Average total assets | $254,460,800 | 2,484 |
| Average earning assets | $244,134,200 | 2,396 |
| Average equity | $25,044,600 | 2,656 |
| Average total loans | $115,787,600 | 3,114 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2255% | 5,874 |
| Cost of funding earning assets | 0.3932% | 3,860 |
| Net interest margin | 2.8322% | 5,825 |
| Noninterest income to average assets | 0.3619% | 4,537 |
| Noninterest expense to average assets | 1.7590% | 6,143 |
| Loan and lease loss provision to assets | 0.1645% | 1,507 |
| Net operating income to assets | 0.9272% | 2,789 |
| Return on assets (ROA) | 0.9302% | 2,865 |
| Pretax return on assets | 1.1594% | 2,950 |
| Return on Equity (ROE) | 9.4463% | 2,477 |
| Retained earnings to average equity (ytd only) | 9.4463% | 857 |
| Net charge-offs to loans | -0.0059% | 5,325 |
| Credit loss provision to net charge-offs | -6,200.0000% | 6,052 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1256% | 5,548 |
| Assets per employee ($millions) | 6.7912% | 875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5569% | 2,473 |
| Loan loss allowance to noncurrent loans | 259.4483% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 0.2885% | 5,115 |
| Noncurrent loans to loans | 0.6001% | 4,132 |
| Net loans and leases to total assets | 47.3320% | 5,265 |
| Net loans and leases to deposits | 55.4978% | 5,277 |
| Net loans and leases to core deposits | 58.8794% | 5,276 |
| Total domestic deposits to total assets | 85.2863% | 3,225 |
| Equity capital to assets | 10.1641% | 3,976 |
| Core capital (leverage) ratio | 10.3177% | 3,272 |
| Tier 1 risk-based capital ratio | 14.2822% | 4,036 |
| Total risk-based capital ratio | 15.3329% | 4,096 |
| Memoranda: | ||
| Average total assets | $251,273,250 | 2,531 |
| Average earning assets | $241,076,500 | 2,432 |
| Average equity | $24,742,750 | 2,696 |
| Average total loans | $113,915,000 | 3,169 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1960% | 5,961 |
| Cost of funding earning assets | 0.3999% | 3,868 |
| Net interest margin | 2.7961% | 5,917 |
| Noninterest income to average assets | 0.3375% | 4,725 |
| Noninterest expense to average assets | 1.7169% | 6,247 |
| Loan and lease loss provision to assets | 0.0478% | 3,353 |
| Net operating income to assets | 1.0467% | 2,133 |
| Return on assets (ROA) | 1.0507% | 2,190 |
| Pretax return on assets | 1.2600% | 2,410 |
| Return on Equity (ROE) | 10.7856% | 1,813 |
| Retained earnings to average equity (ytd only) | 10.7856% | 569 |
| Net charge-offs to loans | -0.0072% | 5,244 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,778 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8529% | 5,670 |
| Assets per employee ($millions) | 6.6577% | 939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4145% | 3,271 |
| Loan loss allowance to noncurrent loans | 224.6897% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 0.2943% | 5,187 |
| Noncurrent loans to loans | 0.6295% | 4,134 |
| Net loans and leases to total assets | 46.0915% | 5,355 |
| Net loans and leases to deposits | 54.4852% | 5,321 |
| Net loans and leases to core deposits | 59.1414% | 5,191 |
| Total domestic deposits to total assets | 84.5945% | 3,689 |
| Equity capital to assets | 10.1931% | 3,837 |
| Core capital (leverage) ratio | 10.1242% | 3,438 |
| Tier 1 risk-based capital ratio | 14.6490% | 3,838 |
| Total risk-based capital ratio | 15.5984% | 3,966 |
| Memoranda: | ||
| Average total assets | $251,272,330 | 2,532 |
| Average earning assets | $241,052,670 | 2,434 |
| Average equity | $24,477,000 | 2,712 |
| Average total loans | $111,615,000 | 3,206 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1403% | 6,074 |
| Cost of funding earning assets | 0.4094% | 3,861 |
| Net interest margin | 2.7310% | 6,062 |
| Noninterest income to average assets | 0.3374% | 4,674 |
| Noninterest expense to average assets | 1.8617% | 6,130 |
| Loan and lease loss provision to assets | 0.0473% | 3,149 |
| Net operating income to assets | 0.9311% | 2,501 |
| Return on assets (ROA) | 0.9395% | 2,530 |
| Pretax return on assets | 1.0562% | 3,103 |
| Return on Equity (ROE) | 9.8671% | 2,092 |
| Retained earnings to average equity (ytd only) | 9.8671% | 998 |
| Net charge-offs to loans | -0.0036% | 4,769 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9867% | 5,001 |
| Assets per employee ($millions) | 6.7687% | 893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4702% | 3,285 |
| Loan loss allowance to noncurrent loans | 897.1910% | 566 |
| Noncurrent assets plus other real estate owned to assets | 0.0692% | 6,060 |
| Noncurrent loans to loans | 0.1639% | 5,593 |
| Net loans and leases to total assets | 41.6104% | 5,699 |
| Net loans and leases to deposits | 48.0480% | 5,728 |
| Net loans and leases to core deposits | 51.7859% | 5,631 |
| Total domestic deposits to total assets | 86.6017% | 3,046 |
| Equity capital to assets | 9.5097% | 4,486 |
| Core capital (leverage) ratio | 9.8147% | 3,839 |
| Tier 1 risk-based capital ratio | 14.6648% | 3,908 |
| Total risk-based capital ratio | 15.6210% | 4,042 |
| Memoranda: | ||
| Average total assets | $253,741,500 | 2,520 |
| Average earning assets | $243,285,000 | 2,412 |
| Average equity | $24,161,000 | 2,738 |
| Average total loans | $109,838,500 | 3,266 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2207% | 6,114 |
| Cost of funding earning assets | 0.4498% | 4,117 |
| Net interest margin | 2.7709% | 6,027 |
| Noninterest income to average assets | 0.4113% | 4,366 |
| Noninterest expense to average assets | 1.6291% | 6,499 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1845% | 1,625 |
| Return on assets (ROA) | 1.1865% | 1,687 |
| Pretax return on assets | 1.4022% | 1,772 |
| Return on Equity (ROE) | 13.2250% | 1,126 |
| Retained earnings to average equity (ytd only) | 13.2250% | 236 |
| Net charge-offs to loans | -0.0094% | 6,008 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7851% | 6,158 |
| Assets per employee ($millions) | 6.5861% | 948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4101% | 3,598 |
| Loan loss allowance to noncurrent loans | 132.5995% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 0.4719% | 4,823 |
| Noncurrent loans to loans | 1.0635% | 3,387 |
| Net loans and leases to total assets | 43.7474% | 5,698 |
| Net loans and leases to deposits | 51.3821% | 5,667 |
| Net loans and leases to core deposits | 55.6353% | 5,562 |
| Total domestic deposits to total assets | 85.1413% | 3,670 |
| Equity capital to assets | 9.5345% | 4,372 |
| Core capital (leverage) ratio | 9.8949% | 3,716 |
| Tier 1 risk-based capital ratio | 13.9853% | 4,310 |
| Total risk-based capital ratio | 14.9018% | 4,497 |
| Memoranda: | ||
| Average total assets | $249,469,000 | 2,533 |
| Average earning assets | $235,664,200 | 2,461 |
| Average equity | $22,381,800 | 2,885 |
| Average total loans | $106,626,000 | 3,312 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2150% | 6,178 |
| Cost of funding earning assets | 0.4546% | 4,227 |
| Net interest margin | 2.7605% | 6,075 |
| Noninterest income to average assets | 0.4274% | 4,319 |
| Noninterest expense to average assets | 1.6009% | 6,553 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1399% | 1,852 |
| Return on assets (ROA) | 1.1425% | 1,916 |
| Pretax return on assets | 1.4281% | 1,839 |
| Return on Equity (ROE) | 12.9382% | 1,254 |
| Retained earnings to average equity (ytd only) | 12.9382% | 341 |
| Net charge-offs to loans | -0.0114% | 5,914 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9079% | 6,187 |
| Assets per employee ($millions) | 6.5584% | 908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4215% | 3,803 |
| Loan loss allowance to noncurrent loans | 154.3393% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 0.4179% | 5,168 |
| Noncurrent loans to loans | 0.9210% | 3,975 |
| Net loans and leases to total assets | 44.7260% | 5,654 |
| Net loans and leases to deposits | 53.6432% | 5,569 |
| Net loans and leases to core deposits | 58.0109% | 5,450 |
| Total domestic deposits to total assets | 83.3767% | 4,431 |
| Equity capital to assets | 9.4898% | 4,569 |
| Core capital (leverage) ratio | 9.5496% | 4,335 |
| Tier 1 risk-based capital ratio | 13.7394% | 4,607 |
| Total risk-based capital ratio | 14.6713% | 4,759 |
| Memoranda: | ||
| Average total assets | $249,268,500 | 2,552 |
| Average earning assets | $234,641,500 | 2,488 |
| Average equity | $22,011,750 | 2,963 |
| Average total loans | $105,519,250 | 3,355 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2141% | 6,212 |
| Cost of funding earning assets | 0.4594% | 4,320 |
| Net interest margin | 2.7547% | 6,090 |
| Noninterest income to average assets | 0.4454% | 4,197 |
| Noninterest expense to average assets | 1.4984% | 6,669 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2619% | 1,426 |
| Return on assets (ROA) | 1.2646% | 1,516 |
| Pretax return on assets | 1.5397% | 1,510 |
| Return on Equity (ROE) | 14.6726% | 876 |
| Retained earnings to average equity (ytd only) | 14.6726% | 260 |
| Net charge-offs to loans | -0.0154% | 5,884 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3711% | 6,464 |
| Assets per employee ($millions) | 6.4766% | 909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5326% | 3,430 |
| Loan loss allowance to noncurrent loans | 150.6744% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 0.4452% | 5,161 |
| Noncurrent loans to loans | 1.0172% | 3,899 |
| Net loans and leases to total assets | 43.0963% | 5,818 |
| Net loans and leases to deposits | 51.4672% | 5,732 |
| Net loans and leases to core deposits | 54.8818% | 5,680 |
| Total domestic deposits to total assets | 83.7356% | 4,437 |
| Equity capital to assets | 9.6552% | 4,379 |
| Core capital (leverage) ratio | 9.1312% | 4,785 |
| Tier 1 risk-based capital ratio | 14.2814% | 4,241 |
| Total risk-based capital ratio | 15.2728% | 4,372 |
| Memoranda: | ||
| Average total assets | $251,471,330 | 2,541 |
| Average earning assets | $236,392,670 | 2,482 |
| Average equity | $21,673,000 | 3,021 |
| Average total loans | $103,993,330 | 3,400 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1039% | 6,395 |
| Cost of funding earning assets | 0.4612% | 4,472 |
| Net interest margin | 2.6427% | 6,307 |
| Noninterest income to average assets | 0.3407% | 4,968 |
| Noninterest expense to average assets | 1.5041% | 6,738 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1625% | 1,631 |
| Return on assets (ROA) | 1.1680% | 1,727 |
| Pretax return on assets | 1.3230% | 2,147 |
| Return on Equity (ROE) | 14.3223% | 895 |
| Retained earnings to average equity (ytd only) | 14.3223% | 416 |
| Net charge-offs to loans | -0.0267% | 5,847 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3188% | 6,275 |
| Assets per employee ($millions) | 7.0329% | 757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5554% | 3,591 |
| Loan loss allowance to noncurrent loans | 148.1517% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 0.4167% | 5,355 |
| Noncurrent loans to loans | 1.0499% | 4,042 |
| Net loans and leases to total assets | 39.0726% | 6,080 |
| Net loans and leases to deposits | 45.5387% | 6,085 |
| Net loans and leases to core deposits | 48.1403% | 6,090 |
| Total domestic deposits to total assets | 85.8009% | 3,635 |
| Equity capital to assets | 8.5337% | 5,987 |
| Core capital (leverage) ratio | 8.4344% | 5,660 |
| Tier 1 risk-based capital ratio | 13.6680% | 4,745 |
| Total risk-based capital ratio | 14.6568% | 4,889 |
| Memoranda: | ||
| Average total assets | $260,627,500 | 2,486 |
| Average earning assets | $244,594,500 | 2,425 |
| Average equity | $21,253,500 | 3,102 |
| Average total loans | $104,966,500 | 3,400 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4611% | 6,397 |
| Cost of funding earning assets | 0.5385% | 4,924 |
| Net interest margin | 2.9226% | 6,185 |
| Noninterest income to average assets | 0.5734% | 3,428 |
| Noninterest expense to average assets | 1.6721% | 6,748 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.3799% | 1,129 |
| Return on assets (ROA) | 1.3834% | 1,239 |
| Pretax return on assets | 1.6839% | 1,175 |
| Return on Equity (ROE) | 17.0676% | 528 |
| Retained earnings to average equity (ytd only) | 17.0676% | 90 |
| Net charge-offs to loans | -0.0177% | 6,537 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8870% | 6,595 |
| Assets per employee ($millions) | 7.4464% | 637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4217% | 4,062 |
| Loan loss allowance to noncurrent loans | 147.9087% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 0.3924% | 5,506 |
| Noncurrent loans to loans | 0.9612% | 4,277 |
| Net loans and leases to total assets | 40.2462% | 6,149 |
| Net loans and leases to deposits | 46.3049% | 6,235 |
| Net loans and leases to core deposits | 48.7603% | 6,223 |
| Total domestic deposits to total assets | 86.9157% | 2,884 |
| Equity capital to assets | 7.7968% | 6,504 |
| Core capital (leverage) ratio | 8.9392% | 4,987 |
| Tier 1 risk-based capital ratio | 14.2674% | 4,188 |
| Total risk-based capital ratio | 15.3295% | 4,279 |
| Memoranda: | ||
| Average total assets | $237,538,800 | 2,661 |
| Average earning assets | $225,827,400 | 2,562 |
| Average equity | $19,252,800 | 3,299 |
| Average total loans | $101,725,600 | 3,475 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5162% | 6,497 |
| Cost of funding earning assets | 0.5669% | 4,944 |
| Net interest margin | 2.9493% | 6,275 |
| Noninterest income to average assets | 0.6060% | 3,238 |
| Noninterest expense to average assets | 1.6319% | 6,847 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.4178% | 1,188 |
| Return on assets (ROA) | 1.4174% | 1,304 |
| Pretax return on assets | 1.7978% | 1,054 |
| Return on Equity (ROE) | 17.2954% | 577 |
| Retained earnings to average equity (ytd only) | 17.2954% | 145 |
| Net charge-offs to loans | -0.0200% | 6,497 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5740% | 6,745 |
| Assets per employee ($millions) | 6.4829% | 964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4129% | 4,319 |
| Loan loss allowance to noncurrent loans | 147.0644% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 0.4525% | 5,530 |
| Noncurrent loans to loans | 0.9607% | 4,512 |
| Net loans and leases to total assets | 46.4325% | 5,716 |
| Net loans and leases to deposits | 54.4720% | 5,765 |
| Net loans and leases to core deposits | 57.4012% | 5,778 |
| Total domestic deposits to total assets | 85.2411% | 3,645 |
| Equity capital to assets | 8.5948% | 6,176 |
| Core capital (leverage) ratio | 8.7861% | 5,367 |
| Tier 1 risk-based capital ratio | 13.9904% | 4,529 |
| Total risk-based capital ratio | 15.0735% | 4,631 |
| Memoranda: | ||
| Average total assets | $229,906,000 | 2,754 |
| Average earning assets | $220,156,500 | 2,640 |
| Average equity | $18,840,750 | 3,386 |
| Average total loans | $99,796,000 | 3,561 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4546% | 6,662 |
| Cost of funding earning assets | 0.6074% | 4,837 |
| Net interest margin | 2.8472% | 6,501 |
| Noninterest income to average assets | 0.6251% | 3,099 |
| Noninterest expense to average assets | 1.6271% | 6,902 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.4295% | 1,131 |
| Return on assets (ROA) | 1.4295% | 1,264 |
| Pretax return on assets | 1.7277% | 1,190 |
| Return on Equity (ROE) | 17.7383% | 536 |
| Retained earnings to average equity (ytd only) | 17.7383% | 152 |
| Net charge-offs to loans | -0.0249% | 6,477 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5014% | 6,743 |
| Assets per employee ($millions) | 6.9945% | 729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5407% | 3,821 |
| Loan loss allowance to noncurrent loans | 273.8516% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.2248% | 6,212 |
| Noncurrent loans to loans | 0.5626% | 5,381 |
| Net loans and leases to total assets | 39.3373% | 6,386 |
| Net loans and leases to deposits | 45.3155% | 6,486 |
| Net loans and leases to core deposits | 47.0692% | 6,509 |
| Total domestic deposits to total assets | 86.8075% | 2,890 |
| Equity capital to assets | 7.6449% | 6,738 |
| Core capital (leverage) ratio | 8.5271% | 5,617 |
| Tier 1 risk-based capital ratio | 14.5402% | 4,075 |
| Total risk-based capital ratio | 15.7064% | 4,096 |
| Memoranda: | ||
| Average total assets | $228,746,670 | 2,772 |
| Average earning assets | $219,300,330 | 2,655 |
| Average equity | $18,434,670 | 3,436 |
| Average total loans | $96,421,670 | 3,660 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6310% | 6,538 |
| Cost of funding earning assets | 0.6646% | 4,586 |
| Net interest margin | 2.9665% | 6,364 |
| Noninterest income to average assets | 0.6979% | 2,671 |
| Noninterest expense to average assets | 1.6113% | 6,965 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.7089% | 703 |
| Return on assets (ROA) | 1.7089% | 784 |
| Pretax return on assets | 1.9225% | 837 |
| Return on Equity (ROE) | 20.5913% | 346 |
| Retained earnings to average equity (ytd only) | 20.5913% | 172 |
| Net charge-offs to loans | -0.0339% | 6,389 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5967% | 6,921 |
| Assets per employee ($millions) | 6.1041% | 1,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7152% | 3,286 |
| Loan loss allowance to noncurrent loans | 278.5586% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 0.2457% | 6,271 |
| Noncurrent loans to loans | 0.6157% | 5,426 |
| Net loans and leases to total assets | 39.2239% | 6,408 |
| Net loans and leases to deposits | 47.2747% | 6,334 |
| Net loans and leases to core deposits | 49.4209% | 6,371 |
| Total domestic deposits to total assets | 82.9703% | 4,940 |
| Equity capital to assets | 8.1793% | 6,381 |
| Core capital (leverage) ratio | 8.5491% | 5,510 |
| Tier 1 risk-based capital ratio | 14.2459% | 4,278 |
| Total risk-based capital ratio | 15.4382% | 4,303 |
| Memoranda: | ||
| Average total assets | $217,219,000 | 2,919 |
| Average earning assets | $207,655,000 | 2,803 |
| Average equity | $18,027,000 | 3,500 |
| Average total loans | $94,331,500 | 3,727 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1905% | 6,083 |
| Cost of funding earning assets | 0.8720% | 4,310 |
| Net interest margin | 3.3185% | 5,755 |
| Noninterest income to average assets | 0.4740% | 4,036 |
| Noninterest expense to average assets | 1.9031% | 6,824 |
| Loan and lease loss provision to assets | 0.1529% | 4,712 |
| Net operating income to assets | 1.2451% | 1,392 |
| Return on assets (ROA) | 1.2487% | 1,481 |
| Pretax return on assets | 1.5881% | 1,232 |
| Return on Equity (ROE) | 15.0331% | 736 |
| Retained earnings to average equity (ytd only) | 15.0331% | 127 |
| Net charge-offs to loans | 0.1364% | 5,047 |
| Credit loss provision to net charge-offs | 222.2222% | 1,091 |
| Earnings coverage of net charge-offs (x) | 25.2370% | 979 |
| Efficiency ratio | 52.2896% | 6,680 |
| Assets per employee ($millions) | 5.6375% | 1,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5610% | 3,748 |
| Loan loss allowance to noncurrent loans | 237.3457% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.3107% | 6,203 |
| Noncurrent loans to loans | 0.6577% | 5,390 |
| Net loans and leases to total assets | 46.4993% | 5,967 |
| Net loans and leases to deposits | 56.4913% | 5,841 |
| Net loans and leases to core deposits | 59.1174% | 5,923 |
| Total domestic deposits to total assets | 82.3123% | 5,023 |
| Equity capital to assets | 8.4287% | 6,226 |
| Core capital (leverage) ratio | 9.0418% | 4,706 |
| Tier 1 risk-based capital ratio | 13.6523% | 4,590 |
| Total risk-based capital ratio | 14.8466% | 4,596 |
| Memoranda: | ||
| Average total assets | $196,205,800 | 3,098 |
| Average earning assets | $187,162,000 | 2,995 |
| Average equity | $16,297,400 | 3,679 |
| Average total loans | $98,990,600 | 3,644 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2419% | 6,105 |
| Cost of funding earning assets | 0.9277% | 4,216 |
| Net interest margin | 3.3142% | 5,820 |
| Noninterest income to average assets | 0.4453% | 4,327 |
| Noninterest expense to average assets | 1.8504% | 6,920 |
| Loan and lease loss provision to assets | 0.1553% | 4,523 |
| Net operating income to assets | 1.2125% | 1,620 |
| Return on assets (ROA) | 1.2172% | 1,717 |
| Pretax return on assets | 1.6080% | 1,365 |
| Return on Equity (ROE) | 14.7129% | 890 |
| Retained earnings to average equity (ytd only) | 14.7129% | 248 |
| Net charge-offs to loans | 0.1816% | 4,345 |
| Credit loss provision to net charge-offs | 166.6667% | 1,814 |
| Earnings coverage of net charge-offs (x) | 18.8514% | 1,281 |
| Efficiency ratio | 51.2919% | 6,744 |
| Assets per employee ($millions) | 5.2578% | 1,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4644% | 4,268 |
| Loan loss allowance to noncurrent loans | 98.5849% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 0.7628% | 5,247 |
| Noncurrent loans to loans | 1.4855% | 4,070 |
| Net loans and leases to total assets | 50.6004% | 5,629 |
| Net loans and leases to deposits | 62.2364% | 5,373 |
| Net loans and leases to core deposits | 66.0551% | 5,412 |
| Total domestic deposits to total assets | 81.3036% | 5,333 |
| Equity capital to assets | 8.6841% | 6,100 |
| Core capital (leverage) ratio | 8.7505% | 5,336 |
| Tier 1 risk-based capital ratio | 13.0481% | 5,061 |
| Total risk-based capital ratio | 14.1780% | 5,135 |
| Memoranda: | ||
| Average total assets | $193,110,750 | 3,160 |
| Average earning assets | $184,253,500 | 3,045 |
| Average equity | $15,976,500 | 3,744 |
| Average total loans | $99,106,000 | 3,666 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1864% | 6,308 |
| Cost of funding earning assets | 0.9707% | 4,164 |
| Net interest margin | 3.2157% | 6,115 |
| Noninterest income to average assets | 0.3904% | 4,756 |
| Noninterest expense to average assets | 1.7671% | 7,114 |
| Loan and lease loss provision to assets | 0.1557% | 4,366 |
| Net operating income to assets | 1.1397% | 1,758 |
| Return on assets (ROA) | 1.1358% | 1,839 |
| Pretax return on assets | 1.5304% | 1,437 |
| Return on Equity (ROE) | 13.9624% | 991 |
| Retained earnings to average equity (ytd only) | 13.9624% | 317 |
| Net charge-offs to loans | 0.2772% | 3,505 |
| Credit loss provision to net charge-offs | 109.4891% | 2,808 |
| Earnings coverage of net charge-offs (x) | 11.8905% | 1,665 |
| Efficiency ratio | 51.0958% | 6,865 |
| Assets per employee ($millions) | 5.1853% | 1,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3849% | 4,646 |
| Loan loss allowance to noncurrent loans | 92.7711% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 0.7787% | 5,333 |
| Noncurrent loans to loans | 1.4928% | 4,181 |
| Net loans and leases to total assets | 51.4414% | 5,639 |
| Net loans and leases to deposits | 64.9953% | 5,154 |
| Net loans and leases to core deposits | 70.0146% | 5,073 |
| Total domestic deposits to total assets | 79.1464% | 6,051 |
| Equity capital to assets | 8.4568% | 6,232 |
| Core capital (leverage) ratio | 8.3644% | 5,764 |
| Tier 1 risk-based capital ratio | 12.4768% | 5,370 |
| Total risk-based capital ratio | 13.5427% | 5,510 |
| Memoranda: | ||
| Average total assets | $192,634,330 | 3,190 |
| Average earning assets | $183,785,000 | 3,078 |
| Average equity | $15,670,670 | 3,790 |
| Average total loans | $98,841,000 | 3,718 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0898% | 6,517 |
| Cost of funding earning assets | 0.9779% | 4,369 |
| Net interest margin | 3.1119% | 6,319 |
| Noninterest income to average assets | 0.3378% | 5,205 |
| Noninterest expense to average assets | 1.6806% | 7,247 |
| Loan and lease loss provision to assets | 0.1554% | 4,079 |
| Net operating income to assets | 1.0962% | 1,854 |
| Return on assets (ROA) | 1.0900% | 1,916 |
| Pretax return on assets | 1.4610% | 1,564 |
| Return on Equity (ROE) | 13.6681% | 1,048 |
| Retained earnings to average equity (ytd only) | 13.6681% | 503 |
| Net charge-offs to loans | -0.0122% | 6,423 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8464% | 6,929 |
| Assets per employee ($millions) | 5.2996% | 1,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5058% | 4,179 |
| Loan loss allowance to noncurrent loans | 98.3062% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 0.7527% | 5,419 |
| Noncurrent loans to loans | 1.5318% | 4,172 |
| Net loans and leases to total assets | 48.4005% | 6,035 |
| Net loans and leases to deposits | 58.9430% | 5,837 |
| Net loans and leases to core deposits | 63.0067% | 5,825 |
| Total domestic deposits to total assets | 82.1141% | 5,265 |
| Equity capital to assets | 7.9847% | 6,517 |
| Core capital (leverage) ratio | 8.1093% | 6,116 |
| Tier 1 risk-based capital ratio | 12.7460% | 5,018 |
| Total risk-based capital ratio | 13.9272% | 5,064 |
| Memoranda: | ||
| Average total assets | $193,023,000 | 3,202 |
| Average earning assets | $184,069,500 | 3,088 |
| Average equity | $15,393,500 | 3,830 |
| Average total loans | $98,221,500 | 3,765 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5552% | 6,236 |
| Cost of funding earning assets | 1.1824% | 4,662 |
| Net interest margin | 3.3728% | 5,731 |
| Noninterest income to average assets | 0.5872% | 3,557 |
| Noninterest expense to average assets | 1.9834% | 7,049 |
| Loan and lease loss provision to assets | 0.3554% | 3,996 |
| Net operating income to assets | 1.1631% | 1,503 |
| Return on assets (ROA) | 1.1672% | 1,569 |
| Pretax return on assets | 1.4605% | 1,477 |
| Return on Equity (ROE) | 14.7491% | 752 |
| Retained earnings to average equity (ytd only) | 14.7491% | 135 |
| Net charge-offs to loans | 0.2706% | 4,674 |
| Credit loss provision to net charge-offs | 231.6176% | 1,273 |
| Earnings coverage of net charge-offs (x) | 11.8015% | 1,571 |
| Efficiency ratio | 52.2748% | 6,969 |
| Assets per employee ($millions) | 5.1340% | 1,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3718% | 4,647 |
| Loan loss allowance to noncurrent loans | 163.4524% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 0.4422% | 6,168 |
| Noncurrent loans to loans | 0.8393% | 5,374 |
| Net loans and leases to total assets | 51.9649% | 5,914 |
| Net loans and leases to deposits | 63.5041% | 5,682 |
| Net loans and leases to core deposits | 67.3715% | 5,736 |
| Total domestic deposits to total assets | 81.8292% | 5,235 |
| Equity capital to assets | 7.9649% | 6,526 |
| Core capital (leverage) ratio | 8.7605% | 4,913 |
| Tier 1 risk-based capital ratio | 11.3271% | 6,064 |
| Total risk-based capital ratio | 12.3549% | 6,220 |
| Memoranda: | ||
| Average total assets | $177,267,000 | 3,417 |
| Average earning assets | $168,556,200 | 3,306 |
| Average equity | $14,028,000 | 4,139 |
| Average total loans | $100,525,600 | 3,778 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6434% | 6,219 |
| Cost of funding earning assets | 1.2366% | 4,646 |
| Net interest margin | 3.4068% | 5,652 |
| Noninterest income to average assets | 0.5583% | 3,717 |
| Noninterest expense to average assets | 1.9292% | 7,165 |
| Loan and lease loss provision to assets | 0.3906% | 3,551 |
| Net operating income to assets | 1.0528% | 2,064 |
| Return on assets (ROA) | 1.0561% | 2,157 |
| Pretax return on assets | 1.4819% | 1,656 |
| Return on Equity (ROE) | 13.3694% | 1,166 |
| Retained earnings to average equity (ytd only) | 13.3694% | 312 |
| Net charge-offs to loans | 0.2438% | 4,480 |
| Credit loss provision to net charge-offs | 277.1739% | 1,177 |
| Earnings coverage of net charge-offs (x) | 13.2553% | 1,599 |
| Efficiency ratio | 50.8068% | 7,087 |
| Assets per employee ($millions) | 4.7910% | 2,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3307% | 4,795 |
| Loan loss allowance to noncurrent loans | 144.5043% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 0.5235% | 6,120 |
| Noncurrent loans to loans | 0.9209% | 5,398 |
| Net loans and leases to total assets | 56.0902% | 5,539 |
| Net loans and leases to deposits | 71.2821% | 4,951 |
| Net loans and leases to core deposits | 76.7325% | 4,960 |
| Total domestic deposits to total assets | 78.6876% | 6,093 |
| Equity capital to assets | 8.1464% | 6,672 |
| Core capital (leverage) ratio | 8.4190% | 5,667 |
| Tier 1 risk-based capital ratio | 11.4987% | 5,937 |
| Total risk-based capital ratio | 12.5665% | 6,082 |
| Memoranda: | ||
| Average total assets | $174,094,000 | 3,511 |
| Average earning assets | $165,508,500 | 3,397 |
| Average equity | $13,752,500 | 4,258 |
| Average total loans | $100,635,750 | 3,846 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6885% | 6,176 |
| Cost of funding earning assets | 1.2551% | 4,793 |
| Net interest margin | 3.4334% | 5,502 |
| Noninterest income to average assets | 0.4022% | 4,896 |
| Noninterest expense to average assets | 1.9083% | 7,253 |
| Loan and lease loss provision to assets | 0.3930% | 3,359 |
| Net operating income to assets | 1.0002% | 2,204 |
| Return on assets (ROA) | 1.0044% | 2,256 |
| Pretax return on assets | 1.3697% | 1,903 |
| Return on Equity (ROE) | 12.8522% | 1,273 |
| Retained earnings to average equity (ytd only) | 12.8522% | 392 |
| Net charge-offs to loans | 0.2585% | 4,056 |
| Credit loss provision to net charge-offs | 261.5385% | 1,453 |
| Earnings coverage of net charge-offs (x) | 11.6923% | 1,743 |
| Efficiency ratio | 52.0656% | 7,060 |
| Assets per employee ($millions) | 4.7296% | 2,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2271% | 5,310 |
| Loan loss allowance to noncurrent loans | 1,012.3967% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.0673% | 7,225 |
| Noncurrent loans to loans | 0.1212% | 7,028 |
| Net loans and leases to total assets | 54.8622% | 5,865 |
| Net loans and leases to deposits | 67.3233% | 5,643 |
| Net loans and leases to core deposits | 71.1915% | 5,752 |
| Total domestic deposits to total assets | 81.4906% | 5,200 |
| Equity capital to assets | 7.7507% | 6,962 |
| Core capital (leverage) ratio | 8.1658% | 6,010 |
| Tier 1 risk-based capital ratio | 11.3019% | 5,939 |
| Total risk-based capital ratio | 12.2957% | 6,185 |
| Memoranda: | ||
| Average total assets | $173,036,000 | 3,550 |
| Average earning assets | $164,445,670 | 3,433 |
| Average equity | $13,523,000 | 4,313 |
| Average total loans | $100,590,670 | 3,876 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7776% | 5,975 |
| Cost of funding earning assets | 1.2845% | 4,907 |
| Net interest margin | 3.4931% | 5,189 |
| Noninterest income to average assets | 0.3536% | 5,309 |
| Noninterest expense to average assets | 1.8763% | 7,369 |
| Loan and lease loss provision to assets | 0.2829% | 3,766 |
| Net operating income to assets | 1.2130% | 1,505 |
| Return on assets (ROA) | 1.2187% | 1,567 |
| Pretax return on assets | 1.5157% | 1,478 |
| Return on Equity (ROE) | 15.5261% | 797 |
| Retained earnings to average equity (ytd only) | 15.5261% | 373 |
| Net charge-offs to loans | -0.0119% | 6,933 |
| Credit loss provision to net charge-offs | -4,000.0000% | 6,618 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1568% | 7,224 |
| Assets per employee ($millions) | 5.0486% | 2,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1352% | 5,842 |
| Loan loss allowance to noncurrent loans | 37,933.3333% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 7,506 |
| Noncurrent loans to loans | 0.0030% | 7,418 |
| Net loans and leases to total assets | 59.4880% | 5,204 |
| Net loans and leases to deposits | 74.1997% | 4,709 |
| Net loans and leases to core deposits | 79.4985% | 4,832 |
| Total domestic deposits to total assets | 80.1729% | 5,729 |
| Equity capital to assets | 8.1498% | 6,493 |
| Core capital (leverage) ratio | 8.0404% | 6,176 |
| Tier 1 risk-based capital ratio | 10.9991% | 6,155 |
| Total risk-based capital ratio | 11.9210% | 6,457 |
| Memoranda: | ||
| Average total assets | $169,691,500 | 3,664 |
| Average earning assets | $161,001,500 | 3,546 |
| Average equity | $13,319,500 | 4,401 |
| Average total loans | $100,973,000 | 3,926 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0944% | 6,111 |
| Cost of funding earning assets | 1.7730% | 4,137 |
| Net interest margin | 3.3214% | 5,661 |
| Noninterest income to average assets | 0.4233% | 5,023 |
| Noninterest expense to average assets | 2.0404% | 7,298 |
| Loan and lease loss provision to assets | 0.2332% | 5,510 |
| Net operating income to assets | 0.9584% | 1,988 |
| Return on assets (ROA) | 0.9593% | 2,035 |
| Pretax return on assets | 1.2597% | 1,810 |
| Return on Equity (ROE) | 12.9323% | 978 |
| Retained earnings to average equity (ytd only) | 12.9323% | 159 |
| Net charge-offs to loans | -0.0179% | 7,778 |
| Credit loss provision to net charge-offs | -2,138.8889% | 7,478 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7675% | 6,795 |
| Assets per employee ($millions) | 5.2357% | 1,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9981% | 6,401 |
| Loan loss allowance to noncurrent loans | 2,671.0526% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.0220% | 7,471 |
| Noncurrent loans to loans | 0.0374% | 7,337 |
| Net loans and leases to total assets | 58.2730% | 5,617 |
| Net loans and leases to deposits | 71.7898% | 5,356 |
| Net loans and leases to core deposits | 82.5677% | 5,867 |
| Total domestic deposits to total assets | 81.1718% | 5,279 |
| Equity capital to assets | 7.5594% | 6,974 |
| Core capital (leverage) ratio | 8.0135% | 6,164 |
| Tier 1 risk-based capital ratio | 10.5288% | 6,366 |
| Total risk-based capital ratio | 11.3470% | 6,755 |
| Memoranda: | ||
| Average total assets | $165,112,200 | 3,687 |
| Average earning assets | $154,543,400 | 3,625 |
| Average equity | $12,248,400 | 4,694 |
| Average total loans | $100,619,800 | 3,925 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1543% | 6,092 |
| Cost of funding earning assets | 1.9093% | 3,831 |
| Net interest margin | 3.2450% | 5,863 |
| Noninterest income to average assets | 0.4379% | 4,975 |
| Noninterest expense to average assets | 2.0351% | 7,322 |
| Loan and lease loss provision to assets | 0.1471% | 5,885 |
| Net operating income to assets | 0.9857% | 2,108 |
| Return on assets (ROA) | 0.9869% | 2,167 |
| Pretax return on assets | 1.2843% | 1,992 |
| Return on Equity (ROE) | 13.3715% | 1,037 |
| Retained earnings to average equity (ytd only) | 13.3715% | 235 |
| Net charge-offs to loans | -0.0292% | 7,799 |
| Credit loss provision to net charge-offs | -818.1818% | 7,309 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7361% | 6,607 |
| Assets per employee ($millions) | 5.0118% | 2,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7938% | 7,144 |
| Loan loss allowance to noncurrent loans | 81,400.0000% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 7,618 |
| Noncurrent loans to loans | 0.0010% | 7,540 |
| Net loans and leases to total assets | 61.5099% | 5,324 |
| Net loans and leases to deposits | 76.3572% | 4,976 |
| Net loans and leases to core deposits | 87.6862% | 5,675 |
| Total domestic deposits to total assets | 80.5554% | 5,225 |
| Equity capital to assets | 7.6698% | 7,174 |
| Core capital (leverage) ratio | 7.8064% | 6,602 |
| Tier 1 risk-based capital ratio | 10.4542% | 6,522 |
| Total risk-based capital ratio | 11.1250% | 7,040 |
| Memoranda: | ||
| Average total assets | $163,195,750 | 3,741 |
| Average earning assets | $152,231,000 | 3,688 |
| Average equity | $12,045,250 | 4,779 |
| Average total loans | $100,350,250 | 3,974 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1547% | 6,240 |
| Cost of funding earning assets | 2.0324% | 3,611 |
| Net interest margin | 3.1223% | 6,175 |
| Noninterest income to average assets | 0.4259% | 5,074 |
| Noninterest expense to average assets | 2.0620% | 7,354 |
| Loan and lease loss provision to assets | 0.1477% | 5,600 |
| Net operating income to assets | 0.8807% | 2,534 |
| Return on assets (ROA) | 0.8827% | 2,627 |
| Pretax return on assets | 1.1178% | 2,569 |
| Return on Equity (ROE) | 12.1197% | 1,377 |
| Retained earnings to average equity (ytd only) | 12.1197% | 424 |
| Net charge-offs to loans | -0.0542% | 7,860 |
| Credit loss provision to net charge-offs | -444.4444% | 7,046 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0141% | 6,243 |
| Assets per employee ($millions) | 4.9476% | 2,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7615% | 7,268 |
| Loan loss allowance to noncurrent loans | 1,997.3684% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.0233% | 7,569 |
| Noncurrent loans to loans | 0.0381% | 7,445 |
| Net loans and leases to total assets | 60.5794% | 5,588 |
| Net loans and leases to deposits | 75.2696% | 5,280 |
| Net loans and leases to core deposits | 85.6843% | 5,938 |
| Total domestic deposits to total assets | 80.4832% | 5,282 |
| Equity capital to assets | 7.4692% | 7,296 |
| Core capital (leverage) ratio | 7.4934% | 7,028 |
| Tier 1 risk-based capital ratio | 10.3458% | 6,538 |
| Total risk-based capital ratio | 10.9897% | 7,136 |
| Memoranda: | ||
| Average total assets | $162,465,000 | 3,771 |
| Average earning assets | $150,852,670 | 3,727 |
| Average equity | $11,832,000 | 4,862 |
| Average total loans | $99,619,000 | 4,029 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1967% | 6,308 |
| Cost of funding earning assets | 2.1833% | 3,249 |
| Net interest margin | 3.0134% | 6,447 |
| Noninterest income to average assets | 0.3900% | 5,299 |
| Noninterest expense to average assets | 1.9277% | 7,495 |
| Loan and lease loss provision to assets | 0.1481% | 5,042 |
| Net operating income to assets | 0.8565% | 2,885 |
| Return on assets (ROA) | 0.8565% | 3,040 |
| Pretax return on assets | 1.0737% | 3,086 |
| Return on Equity (ROE) | 11.9137% | 1,688 |
| Retained earnings to average equity (ytd only) | 11.9137% | 804 |
| Net charge-offs to loans | -0.0924% | 7,858 |
| Credit loss provision to net charge-offs | -260.8696% | 6,309 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2069% | 6,217 |
| Assets per employee ($millions) | 4.8597% | 2,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6874% | 7,474 |
| Loan loss allowance to noncurrent loans | 208.0838% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 0.2083% | 6,897 |
| Noncurrent loans to loans | 0.3303% | 6,604 |
| Net loans and leases to total assets | 62.6125% | 5,223 |
| Net loans and leases to deposits | 77.8827% | 4,945 |
| Net loans and leases to core deposits | 90.0927% | 5,543 |
| Total domestic deposits to total assets | 80.3933% | 5,213 |
| Equity capital to assets | 7.3730% | 7,438 |
| Core capital (leverage) ratio | 7.2275% | 7,454 |
| Tier 1 risk-based capital ratio | 10.0149% | 6,898 |
| Total risk-based capital ratio | 10.6036% | 7,506 |
| Memoranda: | ||
| Average total assets | $162,062,500 | 3,794 |
| Average earning assets | $148,402,500 | 3,785 |
| Average equity | $11,650,500 | 4,938 |
| Average total loans | $99,595,000 | 4,040 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0377% | 5,378 |
| Cost of funding earning assets | 2.9139% | 2,203 |
| Net interest margin | 3.1238% | 6,578 |
| Noninterest income to average assets | 0.3769% | 5,672 |
| Noninterest expense to average assets | 1.9826% | 7,474 |
| Loan and lease loss provision to assets | 0.0758% | 6,454 |
| Net operating income to assets | 0.9499% | 2,793 |
| Return on assets (ROA) | 0.8005% | 3,269 |
| Pretax return on assets | 1.0021% | 3,379 |
| Return on Equity (ROE) | 10.8137% | 1,965 |
| Retained earnings to average equity (ytd only) | 10.8137% | 350 |
| Net charge-offs to loans | 0.0885% | 5,475 |
| Credit loss provision to net charge-offs | 136.5854% | 3,902 |
| Earnings coverage of net charge-offs (x) | 22.7927% | 1,449 |
| Efficiency ratio | 61.0544% | 6,149 |
| Assets per employee ($millions) | 4.9623% | 1,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6240% | 7,625 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 59.5227% | 5,980 |
| Net loans and leases to deposits | 73.8894% | 5,858 |
| Net loans and leases to core deposits | 83.7626% | 6,309 |
| Total domestic deposits to total assets | 80.5564% | 4,818 |
| Equity capital to assets | 7.0086% | 7,734 |
| Core capital (leverage) ratio | 7.9439% | 6,580 |
| Tier 1 risk-based capital ratio | 10.0460% | 6,691 |
| Total risk-based capital ratio | 10.5817% | 7,412 |
| Memoranda: | ||
| Average total assets | $147,786,600 | 3,941 |
| Average earning assets | $135,795,800 | 3,936 |
| Average equity | $10,939,800 | 5,140 |
| Average total loans | $92,647,400 | 4,143 |