Home > Liberty Bank > Performance and Condition Ratios
Liberty Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9274% | 2,222 |
| Cost of funding earning assets | 2.2975% | 549 |
| Net interest margin | 2.6299% | 3,932 |
| Noninterest income to average assets | 0.0800% | 4,348 |
| Noninterest expense to average assets | 4.7138% | 255 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | -2.0145% | 4,571 |
| Return on assets (ROA) | -2.0145% | 4,567 |
| Pretax return on assets | -2.3209% | 4,568 |
| Return on Equity (ROE) | -14.2700% | 4,523 |
| Retained earnings to average equity (ytd only) | -14.2697% | 4,493 |
| Net charge-offs to loans | 0.1282% | 766 |
| Credit loss provision to net charge-offs | 134.2282% | 1,563 |
| Earnings coverage of net charge-offs (x) | -20.7567% | 4,564 |
| Efficiency ratio | 130.6489% | 63 |
| Assets per employee ($millions) | 7.6608% | 1,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2856% | 1,843 |
| 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 | 82.5800% | 382 |
| Net loans and leases to deposits | 102.6728% | 410 |
| Net loans and leases to core deposits | 142.3508% | 248 |
| Total domestic deposits to total assets | 80.4300% | 3,392 |
| Equity capital to assets | 12.8328% | 894 |
| Core capital (leverage) ratio | 12.3286% | 1,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2710% | 1,453 |
| Memoranda: | ||
| Average total assets | $567,486,000 | 1,561 |
| Average earning assets | $530,020,600 | 1,550 |
| Average equity | $80,114,000 | 1,127 |
| Average total loans | $464,900,000 | 1,311 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8956% | 2,069 |
| Cost of funding earning assets | 2.1309% | 565 |
| Net interest margin | 2.7647% | 3,787 |
| Noninterest income to average assets | 0.0800% | 4,369 |
| Noninterest expense to average assets | 3.3926% | 631 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | -0.5892% | 4,543 |
| Return on assets (ROA) | -0.5892% | 4,532 |
| Pretax return on assets | -0.8406% | 4,540 |
| Return on Equity (ROE) | -4.0800% | 4,488 |
| Retained earnings to average equity (ytd only) | -4.0826% | 4,402 |
| Net charge-offs to loans | 0.1155% | 695 |
| Credit loss provision to net charge-offs | 111.9403% | 1,537 |
| Earnings coverage of net charge-offs (x) | -7.8134% | 4,593 |
| Efficiency ratio | 123.7248% | 67 |
| Assets per employee ($millions) | 7.5603% | 1,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3118% | 1,817 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 80.9800% | 541 |
| Net loans and leases to deposits | 96.1705% | 744 |
| Net loans and leases to core deposits | 132.2054% | 317 |
| Total domestic deposits to total assets | 84.2000% | 2,716 |
| Equity capital to assets | 14.8075% | 553 |
| Core capital (leverage) ratio | 12.8075% | 1,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9131% | 1,343 |
| Memoranda: | ||
| Average total assets | $569,547,250 | 1,556 |
| Average earning assets | $530,779,250 | 1,547 |
| Average equity | $82,201,000 | 1,107 |
| Average total loans | $464,160,500 | 1,302 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7242% | 2,157 |
| Cost of funding earning assets | 1.9690% | 528 |
| Net interest margin | 2.7552% | 3,895 |
| Noninterest income to average assets | 0.0800% | 4,398 |
| Noninterest expense to average assets | 3.2560% | 736 |
| Loan and lease loss provision to assets | 0.1600% | 694 |
| Net operating income to assets | -0.5267% | 4,569 |
| Return on assets (ROA) | -0.5267% | 4,566 |
| Pretax return on assets | -0.7534% | 4,573 |
| Return on Equity (ROE) | -3.6800% | 4,524 |
| Retained earnings to average equity (ytd only) | -3.6793% | 4,371 |
| Net charge-offs to loans | 0.1136% | 627 |
| Credit loss provision to net charge-offs | 168.5393% | 1,131 |
| Earnings coverage of net charge-offs (x) | -6.4682% | 4,629 |
| Efficiency ratio | 118.5889% | 72 |
| Assets per employee ($millions) | 8.4354% | 1,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2946% | 1,950 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 76.3100% | 1,018 |
| Net loans and leases to deposits | 98.8528% | 566 |
| Net loans and leases to core deposits | 118.8664% | 540 |
| Total domestic deposits to total assets | 77.1900% | 3,929 |
| Equity capital to assets | 13.6294% | 693 |
| Core capital (leverage) ratio | 12.2123% | 1,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7285% | 1,377 |
| Memoranda: | ||
| Average total assets | $577,950,000 | 1,536 |
| Average earning assets | $540,074,333 | 1,528 |
| Average equity | $82,733,667 | 1,097 |
| Average total loans | $470,000,333 | 1,281 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5210% | 2,266 |
| Cost of funding earning assets | 1.4047% | 1,012 |
| Net interest margin | 3.1163% | 3,314 |
| Noninterest income to average assets | 0.0900% | 4,407 |
| Noninterest expense to average assets | 3.3038% | 697 |
| Loan and lease loss provision to assets | 0.3200% | 260 |
| Net operating income to assets | -0.4335% | 4,581 |
| Return on assets (ROA) | -0.4335% | 4,571 |
| Pretax return on assets | -0.6182% | 4,576 |
| Return on Equity (ROE) | -2.9500% | 4,523 |
| Retained earnings to average equity (ytd only) | -2.9537% | 4,241 |
| Net charge-offs to loans | 0.1352% | 496 |
| Credit loss provision to net charge-offs | 281.2500% | 713 |
| Earnings coverage of net charge-offs (x) | -2.6688% | 4,652 |
| Efficiency ratio | 106.5023% | 119 |
| Assets per employee ($millions) | 8.2035% | 1,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2767% | 2,143 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 81.0000% | 457 |
| Net loans and leases to deposits | 105.7905% | 254 |
| Net loans and leases to core deposits | 128.4912% | 293 |
| Total domestic deposits to total assets | 76.5600% | 4,120 |
| Equity capital to assets | 14.1564% | 577 |
| Core capital (leverage) ratio | 13.4691% | 839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5988% | 1,464 |
| Memoranda: | ||
| Average total assets | $567,470,000 | 1,581 |
| Average earning assets | $530,497,000 | 1,568 |
| Average equity | $83,286,500 | 1,105 |
| Average total loans | $473,493,000 | 1,280 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0010% | 1,715 |
| Cost of funding earning assets | 0.6848% | 626 |
| Net interest margin | 3.3162% | 2,529 |
| Noninterest income to average assets | 0.0800% | 4,504 |
| Noninterest expense to average assets | 3.6882% | 418 |
| Loan and lease loss provision to assets | 0.8400% | 54 |
| Net operating income to assets | -0.6170% | 4,650 |
| Return on assets (ROA) | -0.6172% | 4,643 |
| Pretax return on assets | -1.3176% | 4,660 |
| Return on Equity (ROE) | -3.5200% | 4,611 |
| Retained earnings to average equity (ytd only) | -3.5221% | 4,539 |
| Net charge-offs to loans | 0.0318% | 1,434 |
| Credit loss provision to net charge-offs | 3,494.7368% | 170 |
| Earnings coverage of net charge-offs (x) | -19.6526% | 4,705 |
| Efficiency ratio | 112.9198% | 79 |
| Assets per employee ($millions) | 8.1248% | 1,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8708% | 3,869 |
| Loan loss allowance to noncurrent loans | 18,568.1818% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 3,892 |
| Noncurrent loans to loans | 0.0047% | 3,843 |
| Net loans and leases to total assets | 84.1700% | 242 |
| Net loans and leases to deposits | 100.4085% | 424 |
| Net loans and leases to core deposits | 122.5178% | 332 |
| Total domestic deposits to total assets | 83.8300% | 3,245 |
| Equity capital to assets | 15.2255% | 452 |
| Core capital (leverage) ratio | 13.0283% | 929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5810% | 1,456 |
| Memoranda: | ||
| Average total assets | $393,743,000 | 2,045 |
| Average earning assets | $371,658,600 | 2,020 |
| Average equity | $68,993,800 | 1,269 |
| Average total loans | $298,895,600 | 1,723 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2959% | 3,187 |
| Cost of funding earning assets | 0.5929% | 454 |
| Net interest margin | 2.7031% | 3,921 |
| Noninterest income to average assets | 0.0800% | 4,530 |
| Noninterest expense to average assets | 3.7206% | 399 |
| Loan and lease loss provision to assets | 1.2200% | 30 |
| Net operating income to assets | -2.3016% | 4,737 |
| Return on assets (ROA) | -2.3020% | 4,734 |
| Pretax return on assets | -2.3016% | 4,729 |
| Return on Equity (ROE) | -12.5000% | 4,712 |
| Retained earnings to average equity (ytd only) | -12.4983% | 4,696 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 140.0629% | 48 |
| Assets per employee ($millions) | 8.0780% | 1,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8665% | 3,949 |
| 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 | 79.3500% | 588 |
| Net loans and leases to deposits | 93.4052% | 672 |
| Net loans and leases to core deposits | 116.2806% | 328 |
| Total domestic deposits to total assets | 84.9500% | 3,300 |
| Equity capital to assets | 13.6293% | 601 |
| Core capital (leverage) ratio | 14.4767% | 614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8429% | 1,753 |
| Memoranda: | ||
| Average total assets | $354,056,750 | 2,224 |
| Average earning assets | $335,314,750 | 2,188 |
| Average equity | $65,212,500 | 1,328 |
| Average total loans | $256,339,000 | 1,912 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6535% | 4,214 |
| Cost of funding earning assets | 0.5036% | 506 |
| Net interest margin | 2.1499% | 4,486 |
| Noninterest income to average assets | 0.0145% | 4,712 |
| Noninterest expense to average assets | 3.5352% | 427 |
| Loan and lease loss provision to assets | 2.2504% | 13 |
| Net operating income to assets | -3.7233% | 4,752 |
| Return on assets (ROA) | -3.7240% | 4,750 |
| Pretax return on assets | -3.7233% | 4,748 |
| Return on Equity (ROE) | -17.0546% | 4,743 |
| Retained earnings to average equity (ytd only) | -17.0546% | 4,713 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 171.3582% | 29 |
| Assets per employee ($millions) | 8.0520% | 1,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4734% | 1,479 |
| 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 | 78.3023% | 536 |
| Net loans and leases to deposits | 98.7378% | 318 |
| Net loans and leases to core deposits | 149.8416% | 55 |
| Total domestic deposits to total assets | 79.3033% | 4,279 |
| Equity capital to assets | 20.1024% | 166 |
| Core capital (leverage) ratio | 20.3176% | 174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0634% | 363 |
| Memoranda: | ||
| Average total assets | $275,511,333 | 2,612 |
| Average earning assets | $262,518,333 | 2,586 |
| Average equity | $60,159,667 | 1,433 |
| Average total loans | $184,453,667 | 2,352 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3556% | 4,734 |
| Cost of funding earning assets | 0.3385% | 1,301 |
| Net interest margin | 1.0171% | 4,750 |
| Noninterest income to average assets | 0.0147% | 4,734 |
| Noninterest expense to average assets | 3.7186% | 342 |
| Loan and lease loss provision to assets | 3.1617% | 8 |
| Net operating income to assets | -5.9122% | 4,787 |
| Return on assets (ROA) | -5.9138% | 4,787 |
| Pretax return on assets | -5.9122% | 4,786 |
| Return on Equity (ROE) | -25.6720% | 4,779 |
| Retained earnings to average equity (ytd only) | -25.6720% | 4,733 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 383.4459% | 10 |
| Assets per employee ($millions) | 11.2851% | 470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2540% | 2,581 |
| 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 | 69.5295% | 1,063 |
| Net loans and leases to deposits | 89.4432% | 542 |
| Net loans and leases to core deposits | 139.3527% | 64 |
| Total domestic deposits to total assets | 77.7359% | 4,421 |
| Equity capital to assets | 21.9710% | 120 |
| Core capital (leverage) ratio | 28.6559% | 68 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.4956% | 217 |
| Memoranda: | ||
| Average total assets | $244,175,000 | 2,817 |
| Average earning assets | $229,274,000 | 2,815 |
| Average equity | $56,248,000 | 1,565 |
| Average total loans | $142,297,500 | 2,729 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1987% | 4,774 |
| Cost of funding earning assets | 0.1567% | 3,902 |
| Net interest margin | 1.0420% | 4,776 |
| Noninterest income to average assets | 0.0136% | 4,779 |
| Noninterest expense to average assets | 3.8645% | 330 |
| Loan and lease loss provision to assets | 0.6505% | 73 |
| Net operating income to assets | -3.5809% | 4,826 |
| Return on assets (ROA) | -3.5688% | 4,826 |
| Pretax return on assets | -3.5688% | 4,825 |
| Return on Equity (ROE) | -9.8639% | 4,804 |
| Retained earnings to average equity (ytd only) | -9.8639% | 4,764 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 413.6842% | 11 |
| Assets per employee ($millions) | 8.2079% | 1,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3848% | 1,975 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 35.5308% | 4,312 |
| Net loans and leases to deposits | 47.5010% | 4,021 |
| Net loans and leases to core deposits | 80.9675% | 1,522 |
| Total domestic deposits to total assets | 74.8001% | 4,562 |
| Equity capital to assets | 24.9881% | 90 |
| Core capital (leverage) ratio | 26.8264% | 79 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 53.5989% | 66 |
| Memoranda: | ||
| Average total assets | $132,202,600 | 3,655 |
| Average earning assets | $116,797,000 | 3,726 |
| Average equity | $47,831,000 | 1,827 |
| Average total loans | $44,043,800 | 4,108 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9960% | 4,872 |
| Cost of funding earning assets | 0.1340% | 4,237 |
| Net interest margin | 0.8620% | 4,873 |
| Noninterest income to average assets | 0.0098% | 4,862 |
| Noninterest expense to average assets | 3.8604% | 314 |
| Loan and lease loss provision to assets | 0.5460% | 95 |
| Net operating income to assets | -3.6312% | 4,900 |
| Return on assets (ROA) | -3.6137% | 4,900 |
| Pretax return on assets | -3.6137% | 4,899 |
| Return on Equity (ROE) | -9.0054% | 4,875 |
| Retained earnings to average equity (ytd only) | -9.0054% | 4,836 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 498.1690% | 8 |
| Assets per employee ($millions) | 7.3305% | 1,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1823% | 3,069 |
| 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 | 28.5035% | 4,631 |
| Net loans and leases to deposits | 41.0844% | 4,411 |
| Net loans and leases to core deposits | 61.0718% | 3,396 |
| Total domestic deposits to total assets | 69.3779% | 4,749 |
| Equity capital to assets | 30.2994% | 67 |
| Core capital (leverage) ratio | 29.1561% | 70 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 73.8123% | 43 |
| Memoranda: | ||
| Average total assets | $122,161,750 | 3,822 |
| Average earning assets | $108,431,750 | 3,871 |
| Average equity | $49,021,000 | 1,817 |
| Average total loans | $39,529,000 | 4,258 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7357% | 4,923 |
| Cost of funding earning assets | 0.0822% | 4,687 |
| Net interest margin | 0.6535% | 4,924 |
| Noninterest income to average assets | 0.0018% | 4,916 |
| Noninterest expense to average assets | 3.3473% | 580 |
| Loan and lease loss provision to assets | 0.5474% | 91 |
| Net operating income to assets | -3.2929% | 4,934 |
| Return on assets (ROA) | -3.2824% | 4,934 |
| Pretax return on assets | -3.2824% | 4,931 |
| Return on Equity (ROE) | -7.4034% | 4,895 |
| Retained earnings to average equity (ytd only) | -7.4034% | 4,833 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 556.2682% | 6 |
| Assets per employee ($millions) | 6.8615% | 1,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9772% | 3,897 |
| 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 | 21.9417% | 4,804 |
| Net loans and leases to deposits | 32.2912% | 4,719 |
| Net loans and leases to core deposits | 49.3460% | 4,258 |
| Total domestic deposits to total assets | 67.9494% | 4,790 |
| Equity capital to assets | 31.7161% | 55 |
| Core capital (leverage) ratio | 36.2711% | 48 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 102.3496% | 30 |
| Memoranda: | ||
| Average total assets | $114,003,000 | 3,925 |
| Average earning assets | $104,665,333 | 3,924 |
| Average equity | $50,544,667 | 1,755 |
| Average total loans | $38,609,000 | 4,310 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2750% | 4,968 |
| Cost of funding earning assets | 0.0127% | 4,943 |
| Net interest margin | 0.2623% | 4,964 |
| Noninterest income to average assets | 0.0000% | 4,935 |
| Noninterest expense to average assets | 1.7826% | 4,245 |
| Loan and lease loss provision to assets | 1.2611% | 29 |
| Net operating income to assets | -2.7931% | 4,958 |
| Return on assets (ROA) | -2.7729% | 4,958 |
| Pretax return on assets | -2.7729% | 4,957 |
| Return on Equity (ROE) | -5.1806% | 4,904 |
| Retained earnings to average equity (ytd only) | -5.1806% | 4,708 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 711.2903% | 3 |
| Assets per employee ($millions) | 4.9982% | 3,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9727% | 3,955 |
| 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 | 35.3063% | 4,539 |
| Net loans and leases to deposits | 74.2340% | 2,094 |
| Net loans and leases to core deposits | 81.5486% | 1,875 |
| Total domestic deposits to total assets | 47.5608% | 4,926 |
| Equity capital to assets | 52.0546% | 34 |
| Core capital (leverage) ratio | 50.0565% | 31 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 114.6393% | 29 |
| Memoranda: | ||
| Average total assets | $98,959,000 | 4,087 |
| Average earning assets | $94,561,000 | 4,044 |
| Average equity | $52,967,000 | 1,684 |
| Average total loans | $41,949,500 | 4,259 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5228% | 1,256 |
| Cost of funding earning assets | 0.1200% | 4,813 |
| Net interest margin | 4.4028% | 404 |
| Noninterest income to average assets | 3.3404% | 167 |
| Noninterest expense to average assets | 2.8982% | 1,692 |
| Loan and lease loss provision to assets | -0.1416% | 4,966 |
| Net operating income to assets | 3.2764% | 77 |
| Return on assets (ROA) | 3.2738% | 81 |
| Pretax return on assets | 4.5521% | 63 |
| Return on Equity (ROE) | 6.5283% | 3,395 |
| Retained earnings to average equity (ytd only) | 6.5283% | 1,582 |
| Net charge-offs to loans | -0.0219% | 4,448 |
| Credit loss provision to net charge-offs | 1,307.6923% | 637 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.6355% | 4,882 |
| Assets per employee ($millions) | 6.7469% | 1,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6749% | 1,092 |
| 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 | 47.2020% | 4,036 |
| Net loans and leases to deposits | 115.3115% | 108 |
| Net loans and leases to core deposits | 126.2731% | 235 |
| Total domestic deposits to total assets | 40.9343% | 4,960 |
| Equity capital to assets | 54.7489% | 32 |
| Core capital (leverage) ratio | 45.7602% | 33 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 110.7634% | 26 |
| Memoranda: | ||
| Average total assets | $120,076,000 | 3,746 |
| Average earning assets | $108,317,000 | 3,792 |
| Average equity | $60,214,800 | 1,441 |
| Average total loans | $59,400,600 | 3,931 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5931% | 1,325 |
| Cost of funding earning assets | 0.1416% | 4,818 |
| Net interest margin | 4.4515% | 430 |
| Noninterest income to average assets | 4.1091% | 127 |
| Noninterest expense to average assets | 2.8755% | 1,756 |
| Loan and lease loss provision to assets | -0.0219% | 4,971 |
| Net operating income to assets | 3.7473% | 59 |
| Return on assets (ROA) | 3.7473% | 61 |
| Pretax return on assets | 5.2051% | 50 |
| Return on Equity (ROE) | 7.6260% | 2,949 |
| Retained earnings to average equity (ytd only) | 7.6260% | 1,452 |
| Net charge-offs to loans | -0.0283% | 4,508 |
| Credit loss provision to net charge-offs | 153.8462% | 2,304 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.6807% | 4,953 |
| Assets per employee ($millions) | 6.8066% | 1,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8427% | 667 |
| 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 | 46.8634% | 4,272 |
| Net loans and leases to deposits | 103.5578% | 399 |
| Net loans and leases to core deposits | 116.2871% | 494 |
| Total domestic deposits to total assets | 45.2533% | 4,983 |
| Equity capital to assets | 50.6693% | 32 |
| Core capital (leverage) ratio | 50.5070% | 32 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 93.7865% | 38 |
| Memoranda: | ||
| Average total assets | $123,107,250 | 3,700 |
| Average earning assets | $109,234,000 | 3,771 |
| Average equity | $60,493,000 | 1,428 |
| Average total loans | $61,295,000 | 3,909 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1921% | 579 |
| Cost of funding earning assets | 0.1737% | 4,824 |
| Net interest margin | 5.0184% | 199 |
| Noninterest income to average assets | 3.3734% | 144 |
| Noninterest expense to average assets | 3.0405% | 1,483 |
| Loan and lease loss provision to assets | -0.1911% | 5,040 |
| Net operating income to assets | 3.5386% | 61 |
| Return on assets (ROA) | 3.5310% | 65 |
| Pretax return on assets | 4.8864% | 47 |
| Return on Equity (ROE) | 7.2553% | 3,030 |
| Retained earnings to average equity (ytd only) | 7.2553% | 1,555 |
| Net charge-offs to loans | -0.3949% | 4,989 |
| Credit loss provision to net charge-offs | 96.0000% | 2,438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.2556% | 4,933 |
| Assets per employee ($millions) | 7.2195% | 1,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9478% | 477 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 42.2469% | 4,526 |
| Net loans and leases to deposits | 88.8817% | 1,463 |
| Net loans and leases to core deposits | 98.5592% | 1,367 |
| Total domestic deposits to total assets | 47.5316% | 5,013 |
| Equity capital to assets | 46.7592% | 35 |
| Core capital (leverage) ratio | 48.1346% | 35 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 91.9741% | 37 |
| Memoranda: | ||
| Average total assets | $125,572,000 | 3,653 |
| Average earning assets | $109,398,000 | 3,751 |
| Average equity | $61,113,667 | 1,405 |
| Average total loans | $63,311,667 | 3,890 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6908% | 71 |
| Cost of funding earning assets | 0.2392% | 4,798 |
| Net interest margin | 6.4516% | 47 |
| Noninterest income to average assets | 0.8158% | 1,267 |
| Noninterest expense to average assets | 3.1151% | 1,600 |
| Loan and lease loss provision to assets | 0.4725% | 624 |
| Net operating income to assets | 1.9245% | 317 |
| Return on assets (ROA) | 1.9245% | 349 |
| Pretax return on assets | 2.6647% | 128 |
| Return on Equity (ROE) | 3.8808% | 3,982 |
| Retained earnings to average equity (ytd only) | 3.8808% | 2,722 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8237% | 4,682 |
| Assets per employee ($millions) | 6.4097% | 1,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9536% | 549 |
| 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 | 51.1116% | 4,174 |
| Net loans and leases to deposits | 104.3717% | 352 |
| Net loans and leases to core deposits | 122.6293% | 395 |
| Total domestic deposits to total assets | 48.9707% | 5,072 |
| Equity capital to assets | 48.3484% | 37 |
| Core capital (leverage) ratio | 41.8840% | 42 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 62.1162% | 58 |
| Memoranda: | ||
| Average total assets | $126,992,500 | 3,619 |
| Average earning assets | $107,012,500 | 3,768 |
| Average equity | $62,976,500 | 1,373 |
| Average total loans | $68,527,500 | 3,792 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4153% | 653 |
| Cost of funding earning assets | 0.5682% | 3,784 |
| Net interest margin | 4.8471% | 369 |
| Noninterest income to average assets | 1.4325% | 458 |
| Noninterest expense to average assets | 2.6334% | 3,085 |
| Loan and lease loss provision to assets | -0.6589% | 5,174 |
| Net operating income to assets | 2.8234% | 94 |
| Return on assets (ROA) | 2.8234% | 97 |
| Pretax return on assets | 3.9034% | 66 |
| Return on Equity (ROE) | 6.6722% | 3,674 |
| Retained earnings to average equity (ytd only) | -55.6118% | 5,168 |
| Net charge-offs to loans | 0.2247% | 909 |
| Credit loss provision to net charge-offs | -431.6547% | 4,399 |
| Earnings coverage of net charge-offs (x) | 21.2554% | 1,894 |
| Efficiency ratio | 44.8015% | 4,950 |
| Assets per employee ($millions) | 7.2953% | 934 |
| Cash dividends to net income (ytd only)* | 933.4889% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3327% | 1,783 |
| 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 | 54.7471% | 4,028 |
| Net loans and leases to deposits | 117.5746% | 94 |
| Net loans and leases to core deposits | 137.1870% | 198 |
| Total domestic deposits to total assets | 46.5637% | 5,133 |
| Equity capital to assets | 50.6248% | 37 |
| Core capital (leverage) ratio | 49.5397% | 40 |
| Tier 1 risk-based capital ratio | 64.5446% | 79 |
| Total risk-based capital ratio | 65.4875% | 82 |
| Memoranda: | ||
| Average total assets | $182,123,000 | 2,995 |
| Average earning assets | $167,027,800 | 3,021 |
| Average equity | $77,066,400 | 1,118 |
| Average total loans | $123,728,400 | 2,897 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3240% | 820 |
| Cost of funding earning assets | 0.6227% | 3,569 |
| Net interest margin | 4.7013% | 499 |
| Noninterest income to average assets | 1.5357% | 388 |
| Noninterest expense to average assets | 2.6673% | 2,956 |
| Loan and lease loss provision to assets | -0.5527% | 5,248 |
| Net operating income to assets | 2.7460% | 112 |
| Return on assets (ROA) | 2.7460% | 118 |
| Pretax return on assets | 3.7968% | 72 |
| Return on Equity (ROE) | 6.7266% | 3,802 |
| Retained earnings to average equity (ytd only) | -74.4997% | 5,247 |
| Net charge-offs to loans | 0.2688% | 657 |
| Credit loss provision to net charge-offs | -293.0403% | 4,233 |
| Earnings coverage of net charge-offs (x) | 17.2015% | 2,105 |
| Efficiency ratio | 45.1210% | 4,971 |
| Assets per employee ($millions) | 7.2711% | 921 |
| Cash dividends to net income (ytd only)* | 1,207.5466% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4509% | 1,396 |
| 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 | 66.7911% | 2,949 |
| Net loans and leases to deposits | 136.3903% | 28 |
| Net loans and leases to core deposits | 158.6868% | 95 |
| Total domestic deposits to total assets | 48.9706% | 5,204 |
| Equity capital to assets | 47.4495% | 38 |
| Core capital (leverage) ratio | 43.4359% | 46 |
| Tier 1 risk-based capital ratio | 53.5081% | 117 |
| Total risk-based capital ratio | 54.6169% | 115 |
| Memoranda: | ||
| Average total assets | $193,001,250 | 2,917 |
| Average earning assets | $179,634,500 | 2,909 |
| Average equity | $78,790,250 | 1,101 |
| Average total loans | $135,433,000 | 2,800 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1516% | 1,102 |
| Cost of funding earning assets | 0.6796% | 3,278 |
| Net interest margin | 4.4720% | 818 |
| Noninterest income to average assets | 0.7392% | 1,564 |
| Noninterest expense to average assets | 2.6898% | 2,943 |
| Loan and lease loss provision to assets | -0.7661% | 5,299 |
| Net operating income to assets | 2.1919% | 271 |
| Return on assets (ROA) | 2.1919% | 285 |
| Pretax return on assets | 3.0307% | 118 |
| Return on Equity (ROE) | 5.5793% | 4,181 |
| Retained earnings to average equity (ytd only) | -111.4182% | 5,298 |
| Net charge-offs to loans | 0.3696% | 449 |
| Credit loss provision to net charge-offs | -293.0403% | 4,039 |
| Earnings coverage of net charge-offs (x) | 8.6630% | 2,395 |
| Efficiency ratio | 54.2907% | 4,437 |
| Assets per employee ($millions) | 6.8957% | 1,052 |
| Cash dividends to net income (ytd only)* | 2,096.9856% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1944% | 2,556 |
| 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 | 71.4779% | 2,294 |
| Net loans and leases to deposits | 127.5781% | 51 |
| Net loans and leases to core deposits | 149.5260% | 138 |
| Total domestic deposits to total assets | 56.0267% | 5,232 |
| Equity capital to assets | 40.6578% | 50 |
| Core capital (leverage) ratio | 38.3369% | 52 |
| Tier 1 risk-based capital ratio | 49.8084% | 138 |
| Total risk-based capital ratio | 50.8664% | 140 |
| Memoranda: | ||
| Average total assets | $208,861,000 | 2,795 |
| Average earning assets | $196,869,670 | 2,765 |
| Average equity | $82,053,000 | 1,053 |
| Average total loans | $147,724,330 | 2,683 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8350% | 1,805 |
| Cost of funding earning assets | 0.7297% | 2,890 |
| Net interest margin | 4.1053% | 1,538 |
| Noninterest income to average assets | 0.2516% | 4,209 |
| Noninterest expense to average assets | 2.5991% | 3,220 |
| Loan and lease loss provision to assets | -0.9543% | 5,357 |
| Net operating income to assets | 1.7888% | 590 |
| Return on assets (ROA) | 1.7888% | 610 |
| Pretax return on assets | 2.4724% | 258 |
| Return on Equity (ROE) | 4.6111% | 4,442 |
| Retained earnings to average equity (ytd only) | -210.0675% | 5,358 |
| Net charge-offs to loans | 0.6505% | 232 |
| Credit loss provision to net charge-offs | -209.1255% | 3,650 |
| Earnings coverage of net charge-offs (x) | 3.3270% | 2,409 |
| Efficiency ratio | 63.1268% | 3,369 |
| Assets per employee ($millions) | 7.0009% | 1,002 |
| Cash dividends to net income (ytd only)* | 4,655.6741% | 4 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2884% | 2,143 |
| 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 | 68.4982% | 2,693 |
| Net loans and leases to deposits | 110.9447% | 196 |
| Net loans and leases to core deposits | 134.7340% | 248 |
| Total domestic deposits to total assets | 61.7408% | 5,264 |
| Equity capital to assets | 34.9056% | 56 |
| Core capital (leverage) ratio | 29.7309% | 74 |
| Tier 1 risk-based capital ratio | 43.2264% | 181 |
| Total risk-based capital ratio | 44.3323% | 181 |
| Memoranda: | ||
| Average total assets | $230,543,500 | 2,634 |
| Average earning assets | $217,083,500 | 2,608 |
| Average equity | $89,436,000 | 970 |
| Average total loans | $161,725,000 | 2,547 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5951% | 2,142 |
| Cost of funding earning assets | 0.6797% | 2,214 |
| Net interest margin | 3.9155% | 2,281 |
| Noninterest income to average assets | 1.1159% | 738 |
| Noninterest expense to average assets | 2.1253% | 4,508 |
| Loan and lease loss provision to assets | -0.9706% | 5,400 |
| Net operating income to assets | 2.6823% | 112 |
| Return on assets (ROA) | 2.5074% | 146 |
| Pretax return on assets | 3.4350% | 70 |
| Return on Equity (ROE) | 7.4744% | 3,668 |
| Retained earnings to average equity (ytd only) | 1.7754% | 4,435 |
| Net charge-offs to loans | 0.0052% | 3,528 |
| Credit loss provision to net charge-offs | -25,384.6154% | 4,997 |
| Earnings coverage of net charge-offs (x) | 702.4615% | 157 |
| Efficiency ratio | 44.1741% | 5,173 |
| Assets per employee ($millions) | 8.2443% | 606 |
| Cash dividends to net income (ytd only)* | 76.2463% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3017% | 2,029 |
| 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 | 69.7555% | 2,602 |
| Net loans and leases to deposits | 124.8595% | 65 |
| Net loans and leases to core deposits | 148.0797% | 143 |
| Total domestic deposits to total assets | 55.8672% | 5,344 |
| Equity capital to assets | 41.4948% | 47 |
| Core capital (leverage) ratio | 41.3421% | 46 |
| Tier 1 risk-based capital ratio | 53.6631% | 117 |
| Total risk-based capital ratio | 54.8515% | 114 |
| Memoranda: | ||
| Average total assets | $339,998,400 | 1,950 |
| Average earning assets | $320,882,000 | 1,919 |
| Average equity | $114,056,000 | 748 |
| Average total loans | $251,328,200 | 1,817 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5821% | 2,030 |
| Cost of funding earning assets | 0.6830% | 1,956 |
| Net interest margin | 3.8992% | 2,306 |
| Noninterest income to average assets | 1.1111% | 763 |
| Noninterest expense to average assets | 2.1427% | 4,449 |
| Loan and lease loss provision to assets | -1.1205% | 5,471 |
| Net operating income to assets | 2.7040% | 117 |
| Return on assets (ROA) | 2.4819% | 164 |
| Pretax return on assets | 3.4817% | 78 |
| Return on Equity (ROE) | 7.7482% | 3,645 |
| Retained earnings to average equity (ytd only) | 7.7482% | 1,772 |
| Net charge-offs to loans | 0.0065% | 3,200 |
| Credit loss provision to net charge-offs | -23,076.9231% | 4,937 |
| Earnings coverage of net charge-offs (x) | 544.3220% | 166 |
| Efficiency ratio | 44.7783% | 5,196 |
| Assets per employee ($millions) | 8.0825% | 630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3023% | 2,083 |
| 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 | 75.0934% | 1,794 |
| Net loans and leases to deposits | 135.9097% | 30 |
| Net loans and leases to core deposits | 161.9583% | 84 |
| Total domestic deposits to total assets | 55.2524% | 5,416 |
| Equity capital to assets | 41.5209% | 44 |
| Core capital (leverage) ratio | 40.6842% | 46 |
| Tier 1 risk-based capital ratio | 48.1255% | 148 |
| Total risk-based capital ratio | 49.2721% | 148 |
| Memoranda: | ||
| Average total assets | $356,982,250 | 1,896 |
| Average earning assets | $336,372,250 | 1,876 |
| Average equity | $114,347,000 | 746 |
| Average total loans | $266,089,750 | 1,756 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6529% | 1,636 |
| Cost of funding earning assets | 0.6921% | 1,665 |
| Net interest margin | 3.9608% | 1,999 |
| Noninterest income to average assets | 1.0759% | 828 |
| Noninterest expense to average assets | 2.1660% | 4,450 |
| Loan and lease loss provision to assets | -1.5737% | 5,537 |
| Net operating income to assets | 2.9585% | 88 |
| Return on assets (ROA) | 2.6465% | 119 |
| Pretax return on assets | 3.8263% | 62 |
| Return on Equity (ROE) | 8.9650% | 3,036 |
| Retained earnings to average equity (ytd only) | 8.9650% | 1,233 |
| Net charge-offs to loans | 0.0092% | 2,808 |
| Credit loss provision to net charge-offs | -23,076.9231% | 4,847 |
| Earnings coverage of net charge-offs (x) | 388.2308% | 237 |
| Efficiency ratio | 44.9978% | 5,256 |
| Assets per employee ($millions) | 7.2846% | 834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2441% | 2,464 |
| 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 | 74.4956% | 1,866 |
| Net loans and leases to deposits | 127.7054% | 55 |
| Net loans and leases to core deposits | 151.9543% | 108 |
| Total domestic deposits to total assets | 58.3339% | 5,462 |
| Equity capital to assets | 38.7950% | 50 |
| Core capital (leverage) ratio | 36.1413% | 57 |
| Tier 1 risk-based capital ratio | 44.6720% | 177 |
| Total risk-based capital ratio | 45.7511% | 176 |
| Memoranda: | ||
| Average total assets | $381,260,670 | 1,809 |
| Average earning assets | $359,779,000 | 1,778 |
| Average equity | $112,548,670 | 753 |
| Average total loans | $283,041,670 | 1,675 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8313% | 1,010 |
| Cost of funding earning assets | 0.7320% | 1,276 |
| Net interest margin | 4.0993% | 1,441 |
| Noninterest income to average assets | 1.2988% | 548 |
| Noninterest expense to average assets | 2.0438% | 4,767 |
| Loan and lease loss provision to assets | -1.0413% | 5,597 |
| Net operating income to assets | 2.9358% | 84 |
| Return on assets (ROA) | 2.5313% | 139 |
| Pretax return on assets | 3.6596% | 67 |
| Return on Equity (ROE) | 9.6457% | 2,612 |
| Retained earnings to average equity (ytd only) | 9.6457% | 1,272 |
| Net charge-offs to loans | 0.0167% | 2,177 |
| Credit loss provision to net charge-offs | -8,461.5385% | 4,502 |
| Earnings coverage of net charge-offs (x) | 254.3846% | 265 |
| Efficiency ratio | 39.4987% | 5,469 |
| Assets per employee ($millions) | 7.9968% | 629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7887% | 804 |
| 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 | 70.1991% | 2,452 |
| Net loans and leases to deposits | 103.8265% | 485 |
| Net loans and leases to core deposits | 120.6949% | 570 |
| Total domestic deposits to total assets | 67.6119% | 5,430 |
| Equity capital to assets | 30.5172% | 64 |
| Core capital (leverage) ratio | 26.8645% | 90 |
| Tier 1 risk-based capital ratio | 37.0172% | 280 |
| Total risk-based capital ratio | 38.2707% | 272 |
| Memoranda: | ||
| Average total assets | $422,556,000 | 1,645 |
| Average earning assets | $399,479,500 | 1,615 |
| Average equity | $110,888,500 | 768 |
| Average total loans | $311,913,000 | 1,550 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0627% | 3,196 |
| Cost of funding earning assets | 0.8913% | 393 |
| Net interest margin | 3.1714% | 4,516 |
| Noninterest income to average assets | 0.3692% | 3,829 |
| Noninterest expense to average assets | 1.5186% | 5,468 |
| Loan and lease loss provision to assets | -0.2297% | 5,592 |
| Net operating income to assets | 1.4530% | 899 |
| Return on assets (ROA) | 1.4411% | 941 |
| Pretax return on assets | 2.0733% | 413 |
| Return on Equity (ROE) | 7.9585% | 2,811 |
| Retained earnings to average equity (ytd only) | 7.9585% | 785 |
| Net charge-offs to loans | 0.0388% | 3,024 |
| Credit loss provision to net charge-offs | -790.8163% | 5,027 |
| Earnings coverage of net charge-offs (x) | 64.0714% | 910 |
| Efficiency ratio | 44.9380% | 5,425 |
| Assets per employee ($millions) | 9.0049% | 448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6115% | 1,115 |
| 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 | 74.3993% | 1,854 |
| Net loans and leases to deposits | 103.9434% | 494 |
| Net loans and leases to core deposits | 125.1944% | 455 |
| Total domestic deposits to total assets | 71.5768% | 5,343 |
| Equity capital to assets | 22.9474% | 134 |
| Core capital (leverage) ratio | 20.7098% | 183 |
| Tier 1 risk-based capital ratio | 26.4167% | 631 |
| Total risk-based capital ratio | 27.6685% | 620 |
| Memoranda: | ||
| Average total assets | $674,898,800 | 1,079 |
| Average earning assets | $640,558,800 | 1,051 |
| Average equity | $122,208,600 | 673 |
| Average total loans | $505,785,400 | 1,015 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9585% | 3,493 |
| Cost of funding earning assets | 0.9093% | 325 |
| Net interest margin | 3.0493% | 4,816 |
| Noninterest income to average assets | 0.2813% | 4,505 |
| Noninterest expense to average assets | 1.4585% | 5,548 |
| Loan and lease loss provision to assets | -0.1749% | 5,643 |
| Net operating income to assets | 1.2039% | 1,677 |
| Return on assets (ROA) | 1.2039% | 1,712 |
| Pretax return on assets | 1.8929% | 696 |
| Return on Equity (ROE) | 6.9546% | 3,685 |
| Retained earnings to average equity (ytd only) | 6.9546% | 1,714 |
| Net charge-offs to loans | 0.0480% | 2,478 |
| Credit loss provision to net charge-offs | -487.1795% | 4,804 |
| Earnings coverage of net charge-offs (x) | 47.8622% | 1,149 |
| Efficiency ratio | 45.9145% | 5,423 |
| Assets per employee ($millions) | 8.8166% | 466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4941% | 1,552 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 72.7036% | 2,146 |
| Net loans and leases to deposits | 104.6588% | 467 |
| Net loans and leases to core deposits | 128.9102% | 360 |
| Total domestic deposits to total assets | 69.4673% | 5,492 |
| Equity capital to assets | 22.1137% | 153 |
| Core capital (leverage) ratio | 20.4879% | 196 |
| Tier 1 risk-based capital ratio | 25.4190% | 710 |
| Total risk-based capital ratio | 26.6693% | 702 |
| Memoranda: | ||
| Average total assets | $724,308,250 | 1,022 |
| Average earning assets | $687,711,500 | 991 |
| Average equity | $125,381,000 | 661 |
| Average total loans | $542,008,000 | 950 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8451% | 3,741 |
| Cost of funding earning assets | 0.9306% | 253 |
| Net interest margin | 2.9145% | 5,073 |
| Noninterest income to average assets | 0.2807% | 4,547 |
| Noninterest expense to average assets | 1.4027% | 5,626 |
| Loan and lease loss provision to assets | -0.1166% | 5,658 |
| Net operating income to assets | 1.1226% | 1,884 |
| Return on assets (ROA) | 1.1226% | 1,933 |
| Pretax return on assets | 1.7676% | 907 |
| Return on Equity (ROE) | 6.9713% | 3,567 |
| Retained earnings to average equity (ytd only) | 6.9713% | 1,606 |
| Net charge-offs to loans | 0.0576% | 2,103 |
| Credit loss provision to net charge-offs | -269.4611% | 4,527 |
| Earnings coverage of net charge-offs (x) | 38.1497% | 1,287 |
| Efficiency ratio | 45.9352% | 5,463 |
| Assets per employee ($millions) | 8.3107% | 546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4036% | 1,936 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 72.4704% | 2,129 |
| Net loans and leases to deposits | 97.7311% | 917 |
| Net loans and leases to core deposits | 121.1388% | 508 |
| Total domestic deposits to total assets | 74.1529% | 5,278 |
| Equity capital to assets | 18.7892% | 276 |
| Core capital (leverage) ratio | 17.2333% | 351 |
| Tier 1 risk-based capital ratio | 22.2171% | 1,025 |
| Total risk-based capital ratio | 23.4464% | 1,006 |
| Memoranda: | ||
| Average total assets | $771,778,670 | 972 |
| Average earning assets | $734,337,000 | 950 |
| Average equity | $124,281,670 | 667 |
| Average total loans | $579,518,330 | 897 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9177% | 3,334 |
| Cost of funding earning assets | 0.9714% | 187 |
| Net interest margin | 2.9462% | 5,002 |
| Noninterest income to average assets | 0.3780% | 3,823 |
| Noninterest expense to average assets | 1.3826% | 5,701 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1302% | 1,747 |
| Return on assets (ROA) | 1.1302% | 1,784 |
| Pretax return on assets | 1.7879% | 824 |
| Return on Equity (ROE) | 7.5336% | 3,150 |
| Retained earnings to average equity (ytd only) | 7.5336% | 1,638 |
| Net charge-offs to loans | 0.1029% | 1,347 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 22.9375% | 1,403 |
| Efficiency ratio | 43.6079% | 5,605 |
| Assets per employee ($millions) | 9.0503% | 421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 2,820 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 73.4239% | 1,833 |
| Net loans and leases to deposits | 93.8839% | 1,115 |
| Net loans and leases to core deposits | 115.8472% | 598 |
| Total domestic deposits to total assets | 78.2071% | 4,944 |
| Equity capital to assets | 15.6211% | 555 |
| Core capital (leverage) ratio | 14.8565% | 634 |
| Tier 1 risk-based capital ratio | 18.2748% | 1,786 |
| Total risk-based capital ratio | 19.3694% | 1,797 |
| Memoranda: | ||
| Average total assets | $821,083,000 | 922 |
| Average earning assets | $778,220,500 | 897 |
| Average equity | $123,181,000 | 672 |
| Average total loans | $621,880,500 | 847 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0397% | 3,066 |
| Cost of funding earning assets | 0.9571% | 218 |
| Net interest margin | 3.0826% | 4,770 |
| Noninterest income to average assets | 0.5204% | 3,095 |
| Noninterest expense to average assets | 1.3800% | 5,785 |
| Loan and lease loss provision to assets | 0.1633% | 1,511 |
| Net operating income to assets | 1.2231% | 1,429 |
| Return on assets (ROA) | 1.2231% | 1,520 |
| Pretax return on assets | 1.9062% | 616 |
| Return on Equity (ROE) | 8.6404% | 2,597 |
| Retained earnings to average equity (ytd only) | 8.6404% | 659 |
| Net charge-offs to loans | 0.0108% | 3,905 |
| Credit loss provision to net charge-offs | 1,985.2941% | 226 |
| Earnings coverage of net charge-offs (x) | 251.6324% | 285 |
| Efficiency ratio | 40.0056% | 5,781 |
| Assets per employee ($millions) | 9.9498% | 304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1605% | 3,363 |
| 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 | 76.1499% | 1,494 |
| Net loans and leases to deposits | 95.4561% | 1,053 |
| Net loans and leases to core deposits | 117.9984% | 546 |
| Total domestic deposits to total assets | 79.7748% | 4,612 |
| Equity capital to assets | 14.4195% | 757 |
| Core capital (leverage) ratio | 14.5182% | 694 |
| Tier 1 risk-based capital ratio | 16.0470% | 2,521 |
| Total risk-based capital ratio | 17.0475% | 2,560 |
| Memoranda: | ||
| Average total assets | $826,840,200 | 880 |
| Average earning assets | $785,636,400 | 853 |
| Average equity | $117,042,800 | 682 |
| Average total loans | $629,406,600 | 792 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8965% | 3,596 |
| Cost of funding earning assets | 0.9418% | 232 |
| Net interest margin | 2.9547% | 5,088 |
| Noninterest income to average assets | 0.3362% | 4,378 |
| Noninterest expense to average assets | 1.4088% | 5,815 |
| Loan and lease loss provision to assets | 0.1216% | 1,914 |
| Net operating income to assets | 1.0392% | 2,247 |
| Return on assets (ROA) | 1.0392% | 2,373 |
| Pretax return on assets | 1.6169% | 1,340 |
| Return on Equity (ROE) | 7.3771% | 3,366 |
| Retained earnings to average equity (ytd only) | 7.3771% | 1,448 |
| Net charge-offs to loans | 0.0145% | 3,446 |
| Credit loss provision to net charge-offs | 1,102.9412% | 373 |
| Earnings coverage of net charge-offs (x) | 157.6548% | 444 |
| Efficiency ratio | 44.7622% | 5,721 |
| Assets per employee ($millions) | 9.8920% | 307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0904% | 3,881 |
| 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 | 75.1084% | 1,682 |
| Net loans and leases to deposits | 94.3383% | 1,229 |
| Net loans and leases to core deposits | 117.1348% | 606 |
| Total domestic deposits to total assets | 79.6160% | 4,590 |
| Equity capital to assets | 14.1988% | 967 |
| Core capital (leverage) ratio | 14.0230% | 842 |
| Tier 1 risk-based capital ratio | 15.7767% | 2,709 |
| Total risk-based capital ratio | 16.7111% | 2,779 |
| Memoranda: | ||
| Average total assets | $822,116,250 | 882 |
| Average earning assets | $782,187,750 | 856 |
| Average equity | $115,815,750 | 691 |
| Average total loans | $623,861,000 | 794 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9730% | 3,336 |
| Cost of funding earning assets | 0.9166% | 265 |
| Net interest margin | 3.0563% | 4,958 |
| Noninterest income to average assets | 0.3277% | 4,436 |
| Noninterest expense to average assets | 1.4505% | 5,873 |
| Loan and lease loss provision to assets | 0.1103% | 2,030 |
| Net operating income to assets | 1.0786% | 2,048 |
| Return on assets (ROA) | 1.0786% | 2,175 |
| Pretax return on assets | 1.6743% | 1,160 |
| Return on Equity (ROE) | 7.6772% | 3,158 |
| Retained earnings to average equity (ytd only) | 7.6772% | 1,298 |
| Net charge-offs to loans | 0.0220% | 3,055 |
| Credit loss provision to net charge-offs | 661.7647% | 526 |
| Earnings coverage of net charge-offs (x) | 107.0588% | 538 |
| Efficiency ratio | 44.8359% | 5,798 |
| Assets per employee ($millions) | 9.6716% | 319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0568% | 4,186 |
| 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 | 73.2838% | 1,966 |
| Net loans and leases to deposits | 91.6132% | 1,566 |
| Net loans and leases to core deposits | 112.8264% | 777 |
| Total domestic deposits to total assets | 79.9927% | 4,549 |
| Equity capital to assets | 13.8142% | 1,088 |
| Core capital (leverage) ratio | 13.9427% | 835 |
| Tier 1 risk-based capital ratio | 15.8771% | 2,702 |
| Total risk-based capital ratio | 16.7927% | 2,780 |
| Memoranda: | ||
| Average total assets | $815,882,670 | 890 |
| Average earning assets | $776,096,330 | 864 |
| Average equity | $114,625,670 | 700 |
| Average total loans | $618,986,000 | 804 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7324% | 4,202 |
| Cost of funding earning assets | 0.8704% | 340 |
| Net interest margin | 2.8620% | 5,380 |
| Noninterest income to average assets | 0.2014% | 5,299 |
| Noninterest expense to average assets | 1.5118% | 5,906 |
| Loan and lease loss provision to assets | 0.1253% | 1,692 |
| Net operating income to assets | 0.8047% | 3,221 |
| Return on assets (ROA) | 0.8047% | 3,335 |
| Pretax return on assets | 1.2913% | 2,343 |
| Return on Equity (ROE) | 5.6773% | 4,141 |
| Retained earnings to average equity (ytd only) | 5.6773% | 2,539 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6256% | 5,534 |
| Assets per employee ($millions) | 8.8226% | 415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0361% | 4,412 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 76.0179% | 1,393 |
| Net loans and leases to deposits | 97.7299% | 779 |
| Net loans and leases to core deposits | 120.2801% | 458 |
| Total domestic deposits to total assets | 77.7836% | 5,182 |
| Equity capital to assets | 13.9465% | 1,002 |
| Core capital (leverage) ratio | 14.2078% | 761 |
| Tier 1 risk-based capital ratio | 15.5588% | 2,884 |
| Total risk-based capital ratio | 16.4601% | 2,993 |
| Memoranda: | ||
| Average total assets | $798,272,500 | 907 |
| Average earning assets | $760,574,500 | 883 |
| Average equity | $113,152,000 | 707 |
| Average total loans | $613,287,500 | 810 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9545% | 3,500 |
| Cost of funding earning assets | 0.7884% | 525 |
| Net interest margin | 3.1661% | 4,732 |
| Noninterest income to average assets | 0.3123% | 4,660 |
| Noninterest expense to average assets | 1.6604% | 5,882 |
| Loan and lease loss provision to assets | 0.2507% | 758 |
| Net operating income to assets | 0.8617% | 3,060 |
| Return on assets (ROA) | 0.8638% | 3,124 |
| Pretax return on assets | 1.3962% | 1,921 |
| Return on Equity (ROE) | 5.3541% | 4,347 |
| Retained earnings to average equity (ytd only) | 5.3541% | 2,171 |
| Net charge-offs to loans | 0.1947% | 1,495 |
| Credit loss provision to net charge-offs | 165.3696% | 1,629 |
| Earnings coverage of net charge-offs (x) | 10.8414% | 2,652 |
| Efficiency ratio | 50.2566% | 5,748 |
| Assets per employee ($millions) | 7.9188% | 576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0531% | 4,293 |
| Loan loss allowance to noncurrent loans | 370.0648% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 0.2187% | 4,721 |
| Noncurrent loans to loans | 0.2846% | 4,444 |
| Net loans and leases to total assets | 76.0315% | 1,413 |
| Net loans and leases to deposits | 98.6691% | 766 |
| Net loans and leases to core deposits | 119.1972% | 497 |
| Total domestic deposits to total assets | 77.0571% | 5,305 |
| Equity capital to assets | 14.4158% | 794 |
| Core capital (leverage) ratio | 15.1850% | 584 |
| Tier 1 risk-based capital ratio | 16.2423% | 2,587 |
| Total risk-based capital ratio | 17.1605% | 2,669 |
| Memoranda: | ||
| Average total assets | $678,149,800 | 1,019 |
| Average earning assets | $640,755,800 | 991 |
| Average equity | $109,411,800 | 701 |
| Average total loans | $527,989,000 | 886 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0414% | 3,165 |
| Cost of funding earning assets | 0.7736% | 583 |
| Net interest margin | 3.2678% | 4,463 |
| Noninterest income to average assets | 0.3378% | 4,524 |
| Noninterest expense to average assets | 1.7425% | 5,860 |
| Loan and lease loss provision to assets | 0.2244% | 827 |
| Net operating income to assets | 0.8973% | 2,975 |
| Return on assets (ROA) | 0.9003% | 3,047 |
| Pretax return on assets | 1.4586% | 1,809 |
| Return on Equity (ROE) | 5.4094% | 4,443 |
| Retained earnings to average equity (ytd only) | 5.4094% | 2,634 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9391% | 5,724 |
| Assets per employee ($millions) | 7.4554% | 703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2395% | 3,434 |
| Loan loss allowance to noncurrent loans | 246.1651% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 0.3847% | 4,223 |
| Noncurrent loans to loans | 0.5035% | 3,841 |
| Net loans and leases to total assets | 75.4602% | 1,467 |
| Net loans and leases to deposits | 98.6908% | 754 |
| Net loans and leases to core deposits | 118.4778% | 516 |
| Total domestic deposits to total assets | 76.4612% | 5,420 |
| Equity capital to assets | 15.6906% | 617 |
| Core capital (leverage) ratio | 16.1085% | 475 |
| Tier 1 risk-based capital ratio | 17.0633% | 2,355 |
| Total risk-based capital ratio | 18.1065% | 2,383 |
| Memoranda: | ||
| Average total assets | $653,676,500 | 1,056 |
| Average earning assets | $616,706,750 | 1,027 |
| Average equity | $108,796,500 | 710 |
| Average total loans | $510,907,000 | 913 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0438% | 3,110 |
| Cost of funding earning assets | 0.7500% | 647 |
| Net interest margin | 3.2938% | 4,328 |
| Noninterest income to average assets | 0.3915% | 4,144 |
| Noninterest expense to average assets | 1.8012% | 5,850 |
| Loan and lease loss provision to assets | 0.1574% | 1,352 |
| Net operating income to assets | 0.9524% | 2,622 |
| Return on assets (ROA) | 0.9524% | 2,740 |
| Pretax return on assets | 1.5497% | 1,487 |
| Return on Equity (ROE) | 5.6028% | 4,319 |
| Retained earnings to average equity (ytd only) | 5.6028% | 2,465 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3412% | 5,766 |
| Assets per employee ($millions) | 7.6143% | 631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1597% | 4,028 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 77.7050% | 1,111 |
| Net loans and leases to deposits | 102.5779% | 522 |
| Net loans and leases to core deposits | 122.3877% | 407 |
| Total domestic deposits to total assets | 75.7522% | 5,625 |
| Equity capital to assets | 16.3243% | 488 |
| Core capital (leverage) ratio | 17.0985% | 356 |
| Tier 1 risk-based capital ratio | 17.6502% | 2,171 |
| Total risk-based capital ratio | 18.6461% | 2,210 |
| Memoranda: | ||
| Average total assets | $635,480,330 | 1,088 |
| Average earning assets | $601,311,000 | 1,055 |
| Average equity | $108,018,330 | 716 |
| Average total loans | $500,820,670 | 936 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0459% | 3,068 |
| Cost of funding earning assets | 0.7264% | 752 |
| Net interest margin | 3.3195% | 4,136 |
| Noninterest income to average assets | 0.5778% | 2,787 |
| Noninterest expense to average assets | 1.8823% | 5,788 |
| Loan and lease loss provision to assets | 0.0647% | 2,638 |
| Net operating income to assets | 1.1187% | 1,799 |
| Return on assets (ROA) | 1.1187% | 1,908 |
| Pretax return on assets | 1.7710% | 915 |
| Return on Equity (ROE) | 6.4433% | 3,805 |
| Retained earnings to average equity (ytd only) | 6.4433% | 2,263 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6265% | 5,878 |
| Assets per employee ($millions) | 6.1599% | 1,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1663% | 4,167 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 76.2490% | 1,178 |
| Net loans and leases to deposits | 99.1109% | 615 |
| Net loans and leases to core deposits | 114.6098% | 556 |
| Total domestic deposits to total assets | 76.9330% | 5,624 |
| Equity capital to assets | 17.0867% | 412 |
| Core capital (leverage) ratio | 17.4708% | 324 |
| Tier 1 risk-based capital ratio | 18.8942% | 1,902 |
| Total risk-based capital ratio | 19.9031% | 1,915 |
| Memoranda: | ||
| Average total assets | $618,192,000 | 1,125 |
| Average earning assets | $584,792,500 | 1,085 |
| Average equity | $107,336,500 | 718 |
| Average total loans | $487,842,500 | 962 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1899% | 2,980 |
| Cost of funding earning assets | 0.6892% | 1,158 |
| Net interest margin | 3.5006% | 3,789 |
| Noninterest income to average assets | 0.6657% | 2,476 |
| Noninterest expense to average assets | 2.0750% | 5,628 |
| Loan and lease loss provision to assets | 0.1872% | 1,368 |
| Net operating income to assets | 1.0611% | 2,123 |
| Return on assets (ROA) | 1.0611% | 2,182 |
| Pretax return on assets | 1.6775% | 1,034 |
| Return on Equity (ROE) | 5.3544% | 4,483 |
| Retained earnings to average equity (ytd only) | 5.3544% | 2,366 |
| Net charge-offs to loans | 0.0002% | 4,969 |
| Credit loss provision to net charge-offs | 97,500.0000% | 2 |
| Earnings coverage of net charge-offs (x) | 9,711.0000% | 1 |
| Efficiency ratio | 52.6685% | 5,936 |
| Assets per employee ($millions) | 6.2699% | 1,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1536% | 4,262 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 79.8436% | 755 |
| Net loans and leases to deposits | 105.6105% | 371 |
| Net loans and leases to core deposits | 119.5462% | 423 |
| Total domestic deposits to total assets | 75.6020% | 5,800 |
| Equity capital to assets | 17.6542% | 349 |
| Core capital (leverage) ratio | 18.7704% | 256 |
| Tier 1 risk-based capital ratio | 18.7736% | 1,913 |
| Total risk-based capital ratio | 19.7747% | 1,954 |
| Memoranda: | ||
| Average total assets | $520,779,600 | 1,288 |
| Average earning assets | $487,053,600 | 1,264 |
| Average equity | $103,205,800 | 709 |
| Average total loans | $430,933,600 | 1,022 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2433% | 2,829 |
| Cost of funding earning assets | 0.6879% | 1,216 |
| Net interest margin | 3.5554% | 3,604 |
| Noninterest income to average assets | 0.3373% | 4,740 |
| Noninterest expense to average assets | 2.1096% | 5,546 |
| Loan and lease loss provision to assets | 0.1265% | 1,977 |
| Net operating income to assets | 0.8962% | 2,926 |
| Return on assets (ROA) | 0.8962% | 3,023 |
| Pretax return on assets | 1.4154% | 1,947 |
| Return on Equity (ROE) | 4.3783% | 5,011 |
| Retained earnings to average equity (ytd only) | 4.3783% | 3,533 |
| Net charge-offs to loans | 0.0003% | 4,695 |
| Credit loss provision to net charge-offs | 47,500.0000% | 3 |
| Earnings coverage of net charge-offs (x) | 5,802.3609% | 2 |
| Efficiency ratio | 57.7734% | 5,474 |
| Assets per employee ($millions) | 5.8107% | 1,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1483% | 4,511 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 81.3866% | 571 |
| Net loans and leases to deposits | 108.1972% | 259 |
| Net loans and leases to core deposits | 123.0168% | 329 |
| Total domestic deposits to total assets | 75.2206% | 5,904 |
| Equity capital to assets | 19.2527% | 259 |
| Core capital (leverage) ratio | 19.7490% | 219 |
| Tier 1 risk-based capital ratio | 19.1736% | 1,867 |
| Total risk-based capital ratio | 20.1250% | 1,911 |
| Memoranda: | ||
| Average total assets | $500,496,000 | 1,343 |
| Average earning assets | $466,542,000 | 1,324 |
| Average equity | $102,441,500 | 711 |
| Average total loans | $417,117,250 | 1,052 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2603% | 2,734 |
| Cost of funding earning assets | 0.6725% | 1,358 |
| Net interest margin | 3.5878% | 3,413 |
| Noninterest income to average assets | 0.3489% | 4,638 |
| Noninterest expense to average assets | 2.1905% | 5,441 |
| Loan and lease loss provision to assets | 0.0821% | 2,662 |
| Net operating income to assets | 0.8966% | 2,831 |
| Return on assets (ROA) | 0.8966% | 2,926 |
| Pretax return on assets | 1.4142% | 1,848 |
| Return on Equity (ROE) | 4.2862% | 5,025 |
| Retained earnings to average equity (ytd only) | 4.2862% | 3,444 |
| Net charge-offs to loans | 0.0005% | 4,369 |
| Credit loss provision to net charge-offs | 20,000.0000% | 16 |
| Earnings coverage of net charge-offs (x) | 3,645.0000% | 7 |
| Efficiency ratio | 59.4143% | 5,371 |
| Assets per employee ($millions) | 5.5531% | 1,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1297% | 4,770 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 81.9174% | 474 |
| Net loans and leases to deposits | 107.7263% | 255 |
| Net loans and leases to core deposits | 122.4664% | 329 |
| Total domestic deposits to total assets | 76.0421% | 5,909 |
| Equity capital to assets | 19.9442% | 223 |
| Core capital (leverage) ratio | 21.0881% | 158 |
| Tier 1 risk-based capital ratio | 19.6125% | 1,780 |
| Total risk-based capital ratio | 20.5397% | 1,816 |
| Memoranda: | ||
| Average total assets | $487,195,670 | 1,377 |
| Average earning assets | $453,256,670 | 1,357 |
| Average equity | $101,908,330 | 714 |
| Average total loans | $407,849,670 | 1,069 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2107% | 2,835 |
| Cost of funding earning assets | 0.6753% | 1,404 |
| Net interest margin | 3.5354% | 3,545 |
| Noninterest income to average assets | 0.1904% | 5,823 |
| Noninterest expense to average assets | 2.2583% | 5,306 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7872% | 3,215 |
| Return on assets (ROA) | 0.7872% | 3,292 |
| Pretax return on assets | 1.2290% | 2,355 |
| Return on Equity (ROE) | 3.6700% | 5,189 |
| Retained earnings to average equity (ytd only) | 3.6700% | 3,931 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7573% | 4,735 |
| Assets per employee ($millions) | 4.9418% | 2,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1359% | 4,953 |
| Loan loss allowance to noncurrent loans | 309.7594% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 0.3121% | 5,219 |
| Noncurrent loans to loans | 0.3667% | 5,025 |
| Net loans and leases to total assets | 84.1396% | 229 |
| Net loans and leases to deposits | 109.8280% | 157 |
| Net loans and leases to core deposits | 125.2792% | 237 |
| Total domestic deposits to total assets | 76.6103% | 6,011 |
| Equity capital to assets | 21.2341% | 164 |
| Core capital (leverage) ratio | 21.8186% | 138 |
| Tier 1 risk-based capital ratio | 20.3928% | 1,619 |
| Total risk-based capital ratio | 21.3286% | 1,665 |
| Memoranda: | ||
| Average total assets | $472,573,500 | 1,423 |
| Average earning assets | $440,689,500 | 1,399 |
| Average equity | $101,362,500 | 716 |
| Average total loans | $397,830,500 | 1,105 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2404% | 3,190 |
| Cost of funding earning assets | 0.7098% | 1,745 |
| Net interest margin | 3.5307% | 3,760 |
| Noninterest income to average assets | 0.4846% | 3,858 |
| Noninterest expense to average assets | 1.9465% | 6,113 |
| Loan and lease loss provision to assets | 0.0436% | 4,250 |
| Net operating income to assets | 1.1815% | 1,640 |
| Return on assets (ROA) | 1.2236% | 1,541 |
| Pretax return on assets | 1.9201% | 579 |
| Return on Equity (ROE) | 5.8352% | 4,185 |
| Retained earnings to average equity (ytd only) | 5.8352% | 2,074 |
| Net charge-offs to loans | 0.0049% | 5,378 |
| Credit loss provision to net charge-offs | 1,111.1111% | 223 |
| Earnings coverage of net charge-offs (x) | 484.1111% | 77 |
| Efficiency ratio | 50.6317% | 6,374 |
| Assets per employee ($millions) | 5.0085% | 2,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1953% | 4,686 |
| Loan loss allowance to noncurrent loans | 309.7594% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 0.3212% | 5,295 |
| Noncurrent loans to loans | 0.3859% | 5,042 |
| Net loans and leases to total assets | 82.2396% | 394 |
| Net loans and leases to deposits | 108.3359% | 200 |
| Net loans and leases to core deposits | 123.6983% | 274 |
| Total domestic deposits to total assets | 75.9117% | 6,103 |
| Equity capital to assets | 21.6703% | 153 |
| Core capital (leverage) ratio | 21.7519% | 141 |
| Tier 1 risk-based capital ratio | 20.6124% | 1,510 |
| Total risk-based capital ratio | 21.5671% | 1,550 |
| Memoranda: | ||
| Average total assets | $459,141,200 | 1,440 |
| Average earning assets | $436,914,000 | 1,392 |
| Average equity | $96,277,200 | 735 |
| Average total loans | $369,362,600 | 1,156 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2693% | 3,115 |
| Cost of funding earning assets | 0.7058% | 1,912 |
| Net interest margin | 3.5635% | 3,604 |
| Noninterest income to average assets | 0.3025% | 5,275 |
| Noninterest expense to average assets | 1.8865% | 6,204 |
| Loan and lease loss provision to assets | 0.0583% | 3,880 |
| Net operating income to assets | 1.1246% | 1,912 |
| Return on assets (ROA) | 1.1809% | 1,769 |
| Pretax return on assets | 1.8553% | 787 |
| Return on Equity (ROE) | 5.6802% | 4,360 |
| Retained earnings to average equity (ytd only) | 5.6802% | 2,613 |
| Net charge-offs to loans | 0.0066% | 5,039 |
| Credit loss provision to net charge-offs | 1,111.1111% | 279 |
| Earnings coverage of net charge-offs (x) | 347.9913% | 170 |
| Efficiency ratio | 50.8204% | 6,347 |
| Assets per employee ($millions) | 5.6642% | 1,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2457% | 4,662 |
| Loan loss allowance to noncurrent loans | 289.4441% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 0.3447% | 5,373 |
| Noncurrent loans to loans | 0.4304% | 5,124 |
| Net loans and leases to total assets | 79.0924% | 640 |
| Net loans and leases to deposits | 104.7517% | 269 |
| Net loans and leases to core deposits | 119.9528% | 324 |
| Total domestic deposits to total assets | 75.5046% | 6,226 |
| Equity capital to assets | 21.4127% | 163 |
| Core capital (leverage) ratio | 21.2391% | 154 |
| Tier 1 risk-based capital ratio | 21.0282% | 1,488 |
| Total risk-based capital ratio | 22.0175% | 1,514 |
| Memoranda: | ||
| Average total assets | $457,479,000 | 1,456 |
| Average earning assets | $437,718,250 | 1,391 |
| Average equity | $95,112,000 | 746 |
| Average total loans | $364,778,750 | 1,177 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2260% | 3,260 |
| Cost of funding earning assets | 0.6953% | 2,098 |
| Net interest margin | 3.5307% | 3,654 |
| Noninterest income to average assets | 0.3072% | 5,249 |
| Noninterest expense to average assets | 1.8627% | 6,279 |
| Loan and lease loss provision to assets | 0.0879% | 3,324 |
| Net operating income to assets | 1.1112% | 1,891 |
| Return on assets (ROA) | 1.1961% | 1,712 |
| Pretax return on assets | 1.8829% | 771 |
| Return on Equity (ROE) | 5.8122% | 4,280 |
| Retained earnings to average equity (ytd only) | 5.8122% | 2,547 |
| Net charge-offs to loans | 0.0099% | 4,683 |
| Credit loss provision to net charge-offs | 1,111.1111% | 275 |
| Earnings coverage of net charge-offs (x) | 232.3889% | 225 |
| Efficiency ratio | 50.3325% | 6,405 |
| Assets per employee ($millions) | 5.8803% | 1,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2154% | 4,902 |
| Loan loss allowance to noncurrent loans | 307.7025% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 0.3242% | 5,501 |
| Noncurrent loans to loans | 0.3950% | 5,284 |
| Net loans and leases to total assets | 81.0736% | 432 |
| Net loans and leases to deposits | 108.1895% | 177 |
| Net loans and leases to core deposits | 124.6273% | 245 |
| Total domestic deposits to total assets | 74.9367% | 6,366 |
| Equity capital to assets | 21.1292% | 161 |
| Core capital (leverage) ratio | 20.4517% | 173 |
| Tier 1 risk-based capital ratio | 20.4157% | 1,627 |
| Total risk-based capital ratio | 21.3892% | 1,663 |
| Memoranda: | ||
| Average total assets | $455,149,670 | 1,467 |
| Average earning assets | $437,483,000 | 1,397 |
| Average equity | $93,664,330 | 752 |
| Average total loans | $362,374,330 | 1,174 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3158% | 2,824 |
| Cost of funding earning assets | 0.6723% | 2,467 |
| Net interest margin | 3.6435% | 3,096 |
| Noninterest income to average assets | 0.3117% | 5,201 |
| Noninterest expense to average assets | 2.0113% | 6,082 |
| Loan and lease loss provision to assets | 0.1776% | 2,092 |
| Net operating income to assets | 1.0201% | 2,143 |
| Return on assets (ROA) | 1.1917% | 1,658 |
| Pretax return on assets | 1.8897% | 751 |
| Return on Equity (ROE) | 5.8719% | 4,118 |
| Retained earnings to average equity (ytd only) | 5.8719% | 2,749 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7849% | 6,330 |
| Assets per employee ($millions) | 5.6819% | 1,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2315% | 5,043 |
| Loan loss allowance to noncurrent loans | 224.1928% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 0.4400% | 5,282 |
| Noncurrent loans to loans | 0.5493% | 5,064 |
| Net loans and leases to total assets | 79.1109% | 511 |
| Net loans and leases to deposits | 104.6595% | 218 |
| Net loans and leases to core deposits | 117.8346% | 308 |
| Total domestic deposits to total assets | 75.5889% | 6,403 |
| Equity capital to assets | 20.5528% | 198 |
| Core capital (leverage) ratio | 21.6772% | 146 |
| Tier 1 risk-based capital ratio | 20.4005% | 1,675 |
| Total risk-based capital ratio | 21.3911% | 1,704 |
| Memoranda: | ||
| Average total assets | $450,451,000 | 1,490 |
| Average earning assets | $432,548,000 | 1,420 |
| Average equity | $91,419,000 | 782 |
| Average total loans | $352,932,000 | 1,205 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9568% | 1,669 |
| Cost of funding earning assets | 0.6823% | 3,636 |
| Net interest margin | 4.2745% | 1,460 |
| Noninterest income to average assets | 0.2561% | 5,630 |
| Noninterest expense to average assets | 2.4230% | 5,347 |
| Loan and lease loss provision to assets | 0.2305% | 2,828 |
| Net operating income to assets | 1.1137% | 1,892 |
| Return on assets (ROA) | 1.1161% | 2,059 |
| Pretax return on assets | 1.6968% | 1,143 |
| Return on Equity (ROE) | 5.0769% | 4,645 |
| Retained earnings to average equity (ytd only) | 5.0769% | 2,659 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7435% | 6,083 |
| Assets per employee ($millions) | 4.6161% | 2,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3568% | 4,372 |
| Loan loss allowance to noncurrent loans | 213.4228% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 0.4859% | 5,254 |
| Noncurrent loans to loans | 0.6357% | 4,929 |
| Net loans and leases to total assets | 75.3951% | 1,003 |
| Net loans and leases to deposits | 97.2403% | 550 |
| Net loans and leases to core deposits | 106.0848% | 688 |
| Total domestic deposits to total assets | 77.5349% | 6,157 |
| Equity capital to assets | 20.0118% | 220 |
| Core capital (leverage) ratio | 21.0453% | 161 |
| Tier 1 risk-based capital ratio | 18.8889% | 1,989 |
| Total risk-based capital ratio | 19.8841% | 2,025 |
| Memoranda: | ||
| Average total assets | $379,533,600 | 1,715 |
| Average earning assets | $363,198,600 | 1,647 |
| Average equity | $83,436,000 | 841 |
| Average total loans | $292,202,200 | 1,436 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1563% | 1,281 |
| Cost of funding earning assets | 0.6983% | 3,781 |
| Net interest margin | 4.4580% | 1,079 |
| Noninterest income to average assets | 0.1693% | 6,291 |
| Noninterest expense to average assets | 2.5177% | 5,020 |
| Loan and lease loss provision to assets | 0.2815% | 2,314 |
| Net operating income to assets | 1.0794% | 2,171 |
| Return on assets (ROA) | 1.0794% | 2,371 |
| Pretax return on assets | 1.6362% | 1,463 |
| Return on Equity (ROE) | 4.7847% | 4,926 |
| Retained earnings to average equity (ytd only) | 4.7847% | 3,529 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7638% | 5,951 |
| Assets per employee ($millions) | 3.9225% | 4,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4337% | 4,226 |
| Loan loss allowance to noncurrent loans | 213.1244% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 0.5367% | 5,336 |
| Noncurrent loans to loans | 0.6727% | 5,101 |
| Net loans and leases to total assets | 78.6336% | 661 |
| Net loans and leases to deposits | 106.0792% | 233 |
| Net loans and leases to core deposits | 114.5291% | 415 |
| Total domestic deposits to total assets | 74.1273% | 6,592 |
| Equity capital to assets | 22.2720% | 161 |
| Core capital (leverage) ratio | 22.4537% | 132 |
| Tier 1 risk-based capital ratio | 20.0977% | 1,729 |
| Total risk-based capital ratio | 21.1485% | 1,766 |
| Memoranda: | ||
| Average total assets | $367,091,750 | 1,796 |
| Average earning assets | $351,300,500 | 1,716 |
| Average equity | $82,817,250 | 849 |
| Average total loans | $283,221,750 | 1,486 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2515% | 1,143 |
| Cost of funding earning assets | 0.7175% | 3,878 |
| Net interest margin | 4.5339% | 937 |
| Noninterest income to average assets | 0.1048% | 6,654 |
| Noninterest expense to average assets | 2.5194% | 5,079 |
| Loan and lease loss provision to assets | 0.2758% | 2,382 |
| Net operating income to assets | 1.1014% | 2,041 |
| Return on assets (ROA) | 1.1014% | 2,262 |
| Pretax return on assets | 1.6623% | 1,362 |
| Return on Equity (ROE) | 4.8603% | 4,870 |
| Retained earnings to average equity (ytd only) | 4.8603% | 3,363 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5207% | 6,059 |
| Assets per employee ($millions) | 3.4733% | 5,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4089% | 4,428 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 76.0573% | 963 |
| Net loans and leases to deposits | 101.8201% | 349 |
| Net loans and leases to core deposits | 110.6836% | 553 |
| Total domestic deposits to total assets | 74.6978% | 6,613 |
| Equity capital to assets | 22.1774% | 151 |
| Core capital (leverage) ratio | 22.4000% | 124 |
| Tier 1 risk-based capital ratio | 19.8567% | 1,738 |
| Total risk-based capital ratio | 20.8411% | 1,792 |
| Memoranda: | ||
| Average total assets | $362,627,000 | 1,820 |
| Average earning assets | $348,130,670 | 1,736 |
| Average equity | $82,175,670 | 845 |
| Average total loans | $276,448,330 | 1,520 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0850% | 1,625 |
| Cost of funding earning assets | 0.7451% | 3,904 |
| Net interest margin | 4.3400% | 1,356 |
| Noninterest income to average assets | 0.0831% | 6,814 |
| Noninterest expense to average assets | 2.4479% | 5,319 |
| Loan and lease loss provision to assets | 0.3367% | 1,861 |
| Net operating income to assets | 0.9630% | 2,625 |
| Return on assets (ROA) | 0.9630% | 2,823 |
| Pretax return on assets | 1.4827% | 1,917 |
| Return on Equity (ROE) | 4.2024% | 5,199 |
| Retained earnings to average equity (ytd only) | 4.2024% | 4,069 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3645% | 5,996 |
| Assets per employee ($millions) | 2.9894% | 6,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3767% | 4,704 |
| Loan loss allowance to noncurrent loans | 4,405.6818% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.0247% | 6,846 |
| Noncurrent loans to loans | 0.0312% | 6,689 |
| Net loans and leases to total assets | 78.0777% | 583 |
| Net loans and leases to deposits | 105.5318% | 217 |
| Net loans and leases to core deposits | 114.2935% | 422 |
| Total domestic deposits to total assets | 73.9850% | 6,749 |
| Equity capital to assets | 23.1856% | 121 |
| Core capital (leverage) ratio | 23.1456% | 115 |
| Tier 1 risk-based capital ratio | 22.2094% | 1,254 |
| Total risk-based capital ratio | 23.2701% | 1,253 |
| Memoranda: | ||
| Average total assets | $356,380,000 | 1,854 |
| Average earning assets | $343,598,000 | 1,762 |
| Average equity | $81,667,500 | 848 |
| Average total loans | $269,980,500 | 1,557 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7311% | 4,116 |
| Cost of funding earning assets | 1.0082% | 3,315 |
| Net interest margin | 3.7229% | 4,190 |
| Noninterest income to average assets | 0.1428% | 6,435 |
| Noninterest expense to average assets | 1.3075% | 7,239 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.5851% | 685 |
| Return on assets (ROA) | 1.5953% | 728 |
| Pretax return on assets | 2.4320% | 235 |
| Return on Equity (ROE) | 7.3363% | 3,230 |
| Retained earnings to average equity (ytd only) | 7.3363% | 1,347 |
| Net charge-offs to loans | -0.0162% | 6,934 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.1099% | 7,262 |
| Assets per employee ($millions) | 7.2863% | 633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3846% | 4,539 |
| Loan loss allowance to noncurrent loans | 2,884.6774% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.0347% | 6,883 |
| Noncurrent loans to loans | 0.0480% | 6,704 |
| Net loans and leases to total assets | 71.3557% | 1,760 |
| Net loans and leases to deposits | 95.3700% | 721 |
| Net loans and leases to core deposits | 104.3380% | 880 |
| Total domestic deposits to total assets | 74.8198% | 6,628 |
| Equity capital to assets | 22.6470% | 140 |
| Core capital (leverage) ratio | 21.2285% | 160 |
| Tier 1 risk-based capital ratio | 22.3944% | 1,182 |
| Total risk-based capital ratio | 23.3921% | 1,190 |
| Memoranda: | ||
| Average total assets | $362,746,000 | 1,793 |
| Average earning assets | $348,948,600 | 1,698 |
| Average equity | $78,881,600 | 853 |
| Average total loans | $253,349,200 | 1,657 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7507% | 4,222 |
| Cost of funding earning assets | 1.0311% | 3,458 |
| Net interest margin | 3.7196% | 4,249 |
| Noninterest income to average assets | 0.1739% | 6,345 |
| Noninterest expense to average assets | 1.1774% | 7,347 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.6933% | 642 |
| Return on assets (ROA) | 1.6933% | 703 |
| Pretax return on assets | 2.5741% | 214 |
| Return on Equity (ROE) | 7.8667% | 3,097 |
| Retained earnings to average equity (ytd only) | 7.8667% | 1,557 |
| Net charge-offs to loans | -0.0217% | 6,926 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.3848% | 7,356 |
| Assets per employee ($millions) | 11.2343% | 177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4326% | 4,408 |
| Loan loss allowance to noncurrent loans | 2,235.6250% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.0419% | 6,946 |
| Noncurrent loans to loans | 0.0641% | 6,768 |
| Net loans and leases to total assets | 64.4331% | 3,224 |
| Net loans and leases to deposits | 87.5302% | 1,487 |
| Net loans and leases to core deposits | 95.3572% | 1,666 |
| Total domestic deposits to total assets | 73.6124% | 6,803 |
| Equity capital to assets | 20.9282% | 212 |
| Core capital (leverage) ratio | 21.0435% | 175 |
| Tier 1 risk-based capital ratio | 21.6971% | 1,339 |
| Total risk-based capital ratio | 22.6778% | 1,351 |
| Memoranda: | ||
| Average total assets | $364,175,750 | 1,789 |
| Average earning assets | $350,280,500 | 1,699 |
| Average equity | $78,388,000 | 866 |
| Average total loans | $252,102,500 | 1,675 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8661% | 3,774 |
| Cost of funding earning assets | 1.0590% | 3,547 |
| Net interest margin | 3.8072% | 3,748 |
| Noninterest income to average assets | 0.2512% | 5,852 |
| Noninterest expense to average assets | 1.1757% | 7,431 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.8155% | 485 |
| Return on assets (ROA) | 1.8155% | 516 |
| Pretax return on assets | 2.7445% | 180 |
| Return on Equity (ROE) | 8.3523% | 2,783 |
| Retained earnings to average equity (ytd only) | 8.3523% | 1,319 |
| Net charge-offs to loans | -0.0324% | 6,942 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.9915% | 7,439 |
| Assets per employee ($millions) | 10.5841% | 210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4206% | 4,478 |
| Loan loss allowance to noncurrent loans | 1,797.4874% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.0522% | 6,965 |
| Noncurrent loans to loans | 0.0790% | 6,783 |
| Net loans and leases to total assets | 65.1467% | 3,221 |
| Net loans and leases to deposits | 88.1125% | 1,485 |
| Net loans and leases to core deposits | 95.3982% | 1,741 |
| Total domestic deposits to total assets | 73.9359% | 6,849 |
| Equity capital to assets | 20.8639% | 218 |
| Core capital (leverage) ratio | 20.8066% | 190 |
| Tier 1 risk-based capital ratio | 21.2911% | 1,368 |
| Total risk-based capital ratio | 22.2703% | 1,393 |
| Memoranda: | ||
| Average total assets | $358,245,330 | 1,829 |
| Average earning assets | $345,244,670 | 1,736 |
| Average equity | $77,871,000 | 872 |
| Average total loans | $252,906,670 | 1,696 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0489% | 2,863 |
| Cost of funding earning assets | 1.0454% | 3,885 |
| Net interest margin | 4.0036% | 2,671 |
| Noninterest income to average assets | 0.3206% | 5,356 |
| Noninterest expense to average assets | 1.2040% | 7,485 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.9524% | 371 |
| Return on assets (ROA) | 1.9524% | 389 |
| Pretax return on assets | 3.0076% | 147 |
| Return on Equity (ROE) | 8.7882% | 2,565 |
| Retained earnings to average equity (ytd only) | 8.7882% | 1,455 |
| Net charge-offs to loans | -0.0647% | 6,970 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.5871% | 7,499 |
| Assets per employee ($millions) | 10.3063% | 220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4152% | 4,585 |
| Loan loss allowance to noncurrent loans | 59,616.6667% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 7,218 |
| Noncurrent loans to loans | 0.0024% | 7,087 |
| Net loans and leases to total assets | 67.1591% | 2,724 |
| Net loans and leases to deposits | 91.0912% | 1,108 |
| Net loans and leases to core deposits | 98.5903% | 1,467 |
| Total domestic deposits to total assets | 73.7273% | 6,927 |
| Equity capital to assets | 20.9955% | 207 |
| Core capital (leverage) ratio | 22.6899% | 146 |
| Tier 1 risk-based capital ratio | 21.9216% | 1,244 |
| Total risk-based capital ratio | 22.9504% | 1,251 |
| Memoranda: | ||
| Average total assets | $346,855,000 | 1,899 |
| Average earning assets | $337,100,500 | 1,779 |
| Average equity | $77,058,000 | 872 |
| Average total loans | $253,458,500 | 1,709 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3614% | 2,853 |
| Cost of funding earning assets | 1.2987% | 3,887 |
| Net interest margin | 4.0627% | 2,734 |
| Noninterest income to average assets | 0.1860% | 6,423 |
| Noninterest expense to average assets | 1.2619% | 7,533 |
| Loan and lease loss provision to assets | 0.2036% | 5,207 |
| Net operating income to assets | 1.6996% | 515 |
| Return on assets (ROA) | 1.9848% | 302 |
| Pretax return on assets | 3.0581% | 112 |
| Return on Equity (ROE) | 8.2892% | 2,586 |
| Retained earnings to average equity (ytd only) | 8.2892% | 889 |
| Net charge-offs to loans | -0.0058% | 7,278 |
| Credit loss provision to net charge-offs | -5,208.3333% | 7,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.8926% | 7,583 |
| Assets per employee ($millions) | 9.4906% | 288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3912% | 4,557 |
| Loan loss allowance to noncurrent loans | 243.8621% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.4494% | 6,160 |
| Noncurrent loans to loans | 0.5705% | 5,914 |
| Net loans and leases to total assets | 77.6693% | 997 |
| Net loans and leases to deposits | 110.2302% | 235 |
| Net loans and leases to core deposits | 118.3762% | 577 |
| Total domestic deposits to total assets | 70.4610% | 7,214 |
| Equity capital to assets | 23.6198% | 143 |
| Core capital (leverage) ratio | 23.4741% | 144 |
| Tier 1 risk-based capital ratio | 21.9954% | 1,176 |
| Total risk-based capital ratio | 23.0389% | 1,182 |
| Memoranda: | ||
| Average total assets | $306,927,400 | 2,117 |
| Average earning assets | $294,533,200 | 2,017 |
| Average equity | $73,493,200 | 907 |
| Average total loans | $206,924,600 | 2,097 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2534% | 3,563 |
| Cost of funding earning assets | 1.3620% | 3,822 |
| Net interest margin | 3.8914% | 3,568 |
| Noninterest income to average assets | 0.2231% | 6,309 |
| Noninterest expense to average assets | 1.2502% | 7,649 |
| Loan and lease loss provision to assets | 0.1210% | 5,817 |
| Net operating income to assets | 1.6698% | 657 |
| Return on assets (ROA) | 1.7136% | 663 |
| Pretax return on assets | 2.6407% | 188 |
| Return on Equity (ROE) | 7.1305% | 3,283 |
| Retained earnings to average equity (ytd only) | 7.1305% | 1,784 |
| Net charge-offs to loans | 0.0075% | 6,560 |
| Credit loss provision to net charge-offs | 2,500.0000% | 124 |
| Earnings coverage of net charge-offs (x) | 556.4963% | 53 |
| Efficiency ratio | 31.6934% | 7,672 |
| Assets per employee ($millions) | 9.1992% | 327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4616% | 4,150 |
| Loan loss allowance to noncurrent loans | 2,396.2121% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.0410% | 7,249 |
| Noncurrent loans to loans | 0.0610% | 7,085 |
| Net loans and leases to total assets | 66.2292% | 3,634 |
| Net loans and leases to deposits | 95.3633% | 1,057 |
| Net loans and leases to core deposits | 101.8980% | 1,663 |
| Total domestic deposits to total assets | 69.4493% | 7,302 |
| Equity capital to assets | 23.2998% | 156 |
| Core capital (leverage) ratio | 24.0439% | 137 |
| Tier 1 risk-based capital ratio | 21.9275% | 1,218 |
| Total risk-based capital ratio | 22.8868% | 1,245 |
| Memoranda: | ||
| Average total assets | $302,988,750 | 2,166 |
| Average earning assets | $289,760,750 | 2,082 |
| Average equity | $72,812,250 | 914 |
| Average total loans | $195,115,500 | 2,236 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2715% | 3,599 |
| Cost of funding earning assets | 1.4245% | 3,719 |
| Net interest margin | 3.8470% | 3,680 |
| Noninterest income to average assets | 0.2703% | 5,988 |
| Noninterest expense to average assets | 1.2385% | 7,724 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.7785% | 507 |
| Return on assets (ROA) | 1.7785% | 556 |
| Pretax return on assets | 2.7405% | 166 |
| Return on Equity (ROE) | 7.3200% | 3,177 |
| Retained earnings to average equity (ytd only) | 7.3200% | 1,710 |
| Net charge-offs to loans | 0.0277% | 5,943 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 156.3462% | 224 |
| Efficiency ratio | 31.1250% | 7,735 |
| Assets per employee ($millions) | 8.4753% | 418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5396% | 3,713 |
| Loan loss allowance to noncurrent loans | 676.0000% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.1433% | 7,035 |
| Noncurrent loans to loans | 0.2278% | 6,787 |
| Net loans and leases to total assets | 61.9376% | 4,696 |
| Net loans and leases to deposits | 88.4247% | 2,107 |
| Net loans and leases to core deposits | 93.6590% | 2,775 |
| Total domestic deposits to total assets | 70.0456% | 7,327 |
| Equity capital to assets | 24.7783% | 138 |
| Core capital (leverage) ratio | 24.7606% | 131 |
| Tier 1 risk-based capital ratio | 23.4497% | 1,000 |
| Total risk-based capital ratio | 24.3985% | 1,023 |
| Memoranda: | ||
| Average total assets | $296,660,670 | 2,217 |
| Average earning assets | $285,988,670 | 2,114 |
| Average equity | $72,076,670 | 917 |
| Average total loans | $188,019,670 | 2,332 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5581% | 2,333 |
| Cost of funding earning assets | 1.5251% | 3,400 |
| Net interest margin | 4.0330% | 2,727 |
| Noninterest income to average assets | 0.1227% | 7,071 |
| Noninterest expense to average assets | 1.1285% | 7,850 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.8782% | 423 |
| Return on assets (ROA) | 1.8782% | 463 |
| Pretax return on assets | 2.8948% | 150 |
| Return on Equity (ROE) | 7.8078% | 2,976 |
| Retained earnings to average equity (ytd only) | 7.8078% | 1,787 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.0496% | 7,863 |
| Assets per employee ($millions) | 8.1464% | 489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5869% | 3,508 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 61.3023% | 4,896 |
| Net loans and leases to deposits | 87.1949% | 2,373 |
| Net loans and leases to core deposits | 91.7461% | 3,137 |
| Total domestic deposits to total assets | 70.3049% | 7,391 |
| Equity capital to assets | 24.5762% | 153 |
| Core capital (leverage) ratio | 23.7677% | 157 |
| Tier 1 risk-based capital ratio | 26.0413% | 769 |
| Total risk-based capital ratio | 27.1233% | 773 |
| Memoranda: | ||
| Average total assets | $296,674,000 | 2,264 |
| Average earning assets | $286,934,500 | 2,165 |
| Average equity | $71,364,500 | 930 |
| Average total loans | $188,729,000 | 2,391 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0259% | 1,769 |
| Cost of funding earning assets | 2.0719% | 2,614 |
| Net interest margin | 3.9540% | 3,061 |
| Noninterest income to average assets | 0.1844% | 6,772 |
| Noninterest expense to average assets | 1.2229% | 7,901 |
| Loan and lease loss provision to assets | 0.2675% | 5,273 |
| Net operating income to assets | 1.6108% | 537 |
| Return on assets (ROA) | 2.3303% | 123 |
| Pretax return on assets | 3.5399% | 59 |
| Return on Equity (ROE) | 12.7412% | 1,019 |
| Retained earnings to average equity (ytd only) | 12.7412% | 166 |
| Net charge-offs to loans | 0.0070% | 7,138 |
| Credit loss provision to net charge-offs | 6,071.4286% | 55 |
| Earnings coverage of net charge-offs (x) | 616.7857% | 40 |
| Efficiency ratio | 31.0359% | 7,932 |
| Assets per employee ($millions) | 9.6799% | 287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4884% | 3,788 |
| Loan loss allowance to noncurrent loans | 1,533.8624% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.0630% | 7,340 |
| Noncurrent loans to loans | 0.0970% | 7,169 |
| Net loans and leases to total assets | 63.9429% | 4,613 |
| Net loans and leases to deposits | 89.4486% | 2,312 |
| Net loans and leases to core deposits | 141.3060% | 760 |
| Total domestic deposits to total assets | 71.4857% | 7,288 |
| Equity capital to assets | 23.5453% | 196 |
| Core capital (leverage) ratio | 22.1182% | 207 |
| Tier 1 risk-based capital ratio | 25.4040% | 807 |
| Total risk-based capital ratio | 26.4808% | 801 |
| Memoranda: | ||
| Average total assets | $317,774,400 | 2,122 |
| Average earning assets | $301,848,400 | 2,058 |
| Average equity | $58,118,400 | 1,136 |
| Average total loans | $200,772,400 | 2,292 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2553% | 1,228 |
| Cost of funding earning assets | 2.1739% | 2,534 |
| Net interest margin | 4.0814% | 2,474 |
| Noninterest income to average assets | 0.2044% | 6,757 |
| Noninterest expense to average assets | 1.2112% | 7,992 |
| Loan and lease loss provision to assets | 0.3104% | 4,489 |
| Net operating income to assets | 1.6862% | 577 |
| Return on assets (ROA) | 2.1431% | 235 |
| Pretax return on assets | 3.2364% | 87 |
| Return on Equity (ROE) | 12.5584% | 1,220 |
| Retained earnings to average equity (ytd only) | 12.5584% | 296 |
| Net charge-offs to loans | 0.0092% | 6,822 |
| Credit loss provision to net charge-offs | 5,357.1429% | 75 |
| Earnings coverage of net charge-offs (x) | 492.6138% | 69 |
| Efficiency ratio | 29.7913% | 8,010 |
| Assets per employee ($millions) | 10.5663% | 234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4430% | 3,722 |
| Loan loss allowance to noncurrent loans | 679.3689% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.1182% | 7,251 |
| Noncurrent loans to loans | 0.2124% | 6,964 |
| Net loans and leases to total assets | 54.8260% | 6,294 |
| Net loans and leases to deposits | 83.1764% | 3,800 |
| Net loans and leases to core deposits | 132.6379% | 1,298 |
| Total domestic deposits to total assets | 65.9153% | 7,689 |
| Equity capital to assets | 19.7957% | 358 |
| Core capital (leverage) ratio | 19.2303% | 361 |
| Tier 1 risk-based capital ratio | 23.0091% | 1,107 |
| Total risk-based capital ratio | 23.9825% | 1,114 |
| Memoranda: | ||
| Average total assets | $322,198,750 | 2,113 |
| Average earning assets | $304,820,250 | 2,062 |
| Average equity | $54,984,500 | 1,213 |
| Average total loans | $202,271,250 | 2,298 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4501% | 916 |
| Cost of funding earning assets | 2.3084% | 2,327 |
| Net interest margin | 4.1417% | 2,189 |
| Noninterest income to average assets | 0.2336% | 6,608 |
| Noninterest expense to average assets | 1.2630% | 8,067 |
| Loan and lease loss provision to assets | 0.3191% | 4,031 |
| Net operating income to assets | 1.7360% | 528 |
| Return on assets (ROA) | 1.7360% | 571 |
| Pretax return on assets | 2.5733% | 180 |
| Return on Equity (ROE) | 10.8142% | 1,754 |
| Retained earnings to average equity (ytd only) | 10.8142% | 589 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.3947% | 8,102 |
| Assets per employee ($millions) | 8.9326% | 359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2524% | 4,584 |
| Loan loss allowance to noncurrent loans | 18,307.1429% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 7,646 |
| Noncurrent loans to loans | 0.0068% | 7,550 |
| Net loans and leases to total assets | 59.5323% | 5,756 |
| Net loans and leases to deposits | 90.1791% | 2,810 |
| Net loans and leases to core deposits | 140.3578% | 997 |
| Total domestic deposits to total assets | 66.0157% | 7,740 |
| Equity capital to assets | 19.3670% | 428 |
| Core capital (leverage) ratio | 19.6664% | 379 |
| Tier 1 risk-based capital ratio | 21.3163% | 1,344 |
| Total risk-based capital ratio | 22.1743% | 1,381 |
| Memoranda: | ||
| Average total assets | $313,369,330 | 2,178 |
| Average earning assets | $296,740,330 | 2,138 |
| Average equity | $50,304,330 | 1,365 |
| Average total loans | $205,038,330 | 2,293 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5401% | 803 |
| Cost of funding earning assets | 2.4972% | 1,927 |
| Net interest margin | 4.0428% | 2,477 |
| Noninterest income to average assets | 0.4289% | 4,969 |
| Noninterest expense to average assets | 1.3785% | 8,048 |
| Loan and lease loss provision to assets | 0.3996% | 2,928 |
| Net operating income to assets | 1.6688% | 690 |
| Return on assets (ROA) | 1.6688% | 758 |
| Pretax return on assets | 2.4759% | 270 |
| Return on Equity (ROE) | 11.7688% | 1,735 |
| Retained earnings to average equity (ytd only) | 11.7688% | 831 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.4045% | 8,136 |
| Assets per employee ($millions) | 8.3353% | 441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1465% | 5,146 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 64.3247% | 4,925 |
| Net loans and leases to deposits | 89.6611% | 2,984 |
| Net loans and leases to core deposits | 133.8888% | 1,418 |
| Total domestic deposits to total assets | 71.7421% | 7,248 |
| Equity capital to assets | 13.3774% | 1,584 |
| Core capital (leverage) ratio | 14.4014% | 1,108 |
| Tier 1 risk-based capital ratio | 15.3288% | 2,928 |
| Total risk-based capital ratio | 16.1769% | 3,036 |
| Memoranda: | ||
| Average total assets | $300,334,500 | 2,263 |
| Average earning assets | $284,156,000 | 2,217 |
| Average equity | $42,587,000 | 1,604 |
| Average total loans | $205,238,000 | 2,312 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0042% | 1,122 |
| Cost of funding earning assets | 3.2419% | 1,062 |
| Net interest margin | 3.7623% | 4,170 |
| Noninterest income to average assets | 0.3880% | 5,578 |
| Noninterest expense to average assets | 1.7883% | 7,767 |
| Loan and lease loss provision to assets | 0.4498% | 3,042 |
| Net operating income to assets | 1.1204% | 2,067 |
| Return on assets (ROA) | 1.1204% | 1,982 |
| Pretax return on assets | 1.6611% | 1,238 |
| Return on Equity (ROE) | 6.1166% | 3,895 |
| Retained earnings to average equity (ytd only) | 6.1166% | 1,476 |
| Net charge-offs to loans | 0.0815% | 5,598 |
| Credit loss provision to net charge-offs | 722.6277% | 581 |
| Earnings coverage of net charge-offs (x) | 33.9124% | 1,068 |
| Efficiency ratio | 45.8634% | 7,936 |
| Assets per employee ($millions) | 7.4717% | 574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0094% | 5,945 |
| Loan loss allowance to noncurrent loans | 1,273.4568% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.0571% | 7,343 |
| Noncurrent loans to loans | 0.0793% | 7,187 |
| Net loans and leases to total assets | 71.2531% | 3,734 |
| Net loans and leases to deposits | 99.7004% | 1,862 |
| Net loans and leases to core deposits | 154.2566% | 706 |
| Total domestic deposits to total assets | 71.4672% | 7,092 |
| Equity capital to assets | 15.0751% | 1,142 |
| Core capital (leverage) ratio | 16.6335% | 743 |
| Tier 1 risk-based capital ratio | 16.4888% | 2,493 |
| Total risk-based capital ratio | 17.3093% | 2,588 |
| Memoranda: | ||
| Average total assets | $220,094,000 | 2,875 |
| Average earning assets | $205,406,600 | 2,831 |
| Average equity | $40,316,800 | 1,666 |
| Average total loans | $168,082,600 | 2,641 |