Home > Parkside Financial Bank & Trust > Performance and Condition Ratios
Parkside Financial Bank & Trust, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7737% | 862 |
| Cost of funding earning assets | 2.1867% | 658 |
| Net interest margin | 3.5870% | 1,991 |
| Noninterest income to average assets | 1.1500% | 518 |
| Noninterest expense to average assets | 3.2769% | 760 |
| Loan and lease loss provision to assets | 0.3300% | 321 |
| Net operating income to assets | 0.7157% | 3,146 |
| Return on assets (ROA) | 0.7157% | 3,127 |
| Pretax return on assets | 0.8896% | 2,990 |
| Return on Equity (ROE) | 8.5200% | 2,887 |
| Retained earnings to average equity (ytd only) | 8.5221% | 1,389 |
| Net charge-offs to loans | 0.2544% | 419 |
| Credit loss provision to net charge-offs | 183.7104% | 1,287 |
| Earnings coverage of net charge-offs (x) | 6.6205% | 2,459 |
| Efficiency ratio | 72.8737% | 1,566 |
| Assets per employee ($millions) | 8.8084% | 1,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6531% | 755 |
| 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 | 77.8000% | 886 |
| Net loans and leases to deposits | 90.1184% | 1,251 |
| Net loans and leases to core deposits | 106.4957% | 1,092 |
| Total domestic deposits to total assets | 86.3300% | 1,903 |
| Equity capital to assets | 9.4190% | 2,407 |
| Core capital (leverage) ratio | 9.7943% | 2,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1717% | 2,534 |
| Memoranda: | ||
| Average total assets | $959,596,400 | 1,021 |
| Average earning assets | $896,131,400 | 1,006 |
| Average equity | $80,590,800 | 1,122 |
| Average total loans | $695,037,200 | 968 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5394% | 968 |
| Cost of funding earning assets | 2.1397% | 558 |
| Net interest margin | 3.3996% | 2,458 |
| Noninterest income to average assets | 1.0900% | 560 |
| Noninterest expense to average assets | 3.1095% | 920 |
| Loan and lease loss provision to assets | 0.3100% | 298 |
| Net operating income to assets | 0.6771% | 3,373 |
| Return on assets (ROA) | 0.6771% | 3,361 |
| Pretax return on assets | 0.8398% | 3,243 |
| Return on Equity (ROE) | 8.3100% | 3,106 |
| Retained earnings to average equity (ytd only) | 8.3125% | 1,862 |
| Net charge-offs to loans | 0.3463% | 250 |
| Credit loss provision to net charge-offs | 132.8054% | 1,401 |
| Earnings coverage of net charge-offs (x) | 4.7087% | 2,380 |
| Efficiency ratio | 72.9295% | 1,458 |
| Assets per employee ($millions) | 9.2453% | 855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5497% | 990 |
| 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 | 75.5200% | 1,172 |
| Net loans and leases to deposits | 88.3283% | 1,356 |
| Net loans and leases to core deposits | 116.9942% | 637 |
| Total domestic deposits to total assets | 85.5000% | 2,349 |
| Equity capital to assets | 8.5551% | 2,694 |
| Core capital (leverage) ratio | 9.9778% | 2,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0402% | 2,597 |
| Memoranda: | ||
| Average total assets | $961,670,000 | 1,019 |
| Average earning assets | $899,168,250 | 1,006 |
| Average equity | $78,337,750 | 1,146 |
| Average total loans | $680,663,000 | 983 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3780% | 977 |
| Cost of funding earning assets | 1.9831% | 512 |
| Net interest margin | 3.3948% | 2,533 |
| Noninterest income to average assets | 1.0400% | 529 |
| Noninterest expense to average assets | 3.0983% | 909 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 0.7905% | 3,107 |
| Return on assets (ROA) | 0.7905% | 3,119 |
| Pretax return on assets | 0.9906% | 2,943 |
| Return on Equity (ROE) | 9.8700% | 2,745 |
| Retained earnings to average equity (ytd only) | 9.8714% | 1,440 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 73.4326% | 1,411 |
| Assets per employee ($millions) | 9.4873% | 783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6785% | 783 |
| 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 | 70.1300% | 1,728 |
| Net loans and leases to deposits | 79.7838% | 2,001 |
| Net loans and leases to core deposits | 118.1441% | 564 |
| Total domestic deposits to total assets | 87.8900% | 1,647 |
| Equity capital to assets | 8.0593% | 3,171 |
| Core capital (leverage) ratio | 9.1158% | 3,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8769% | 2,664 |
| Memoranda: | ||
| Average total assets | $958,642,667 | 1,014 |
| Average earning assets | $897,477,667 | 997 |
| Average equity | $76,767,333 | 1,152 |
| Average total loans | $659,329,667 | 994 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9857% | 1,253 |
| Cost of funding earning assets | 1.5168% | 817 |
| Net interest margin | 3.4688% | 2,452 |
| Noninterest income to average assets | 1.0500% | 534 |
| Noninterest expense to average assets | 3.0051% | 1,053 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 0.9437% | 2,708 |
| Return on assets (ROA) | 0.9437% | 2,665 |
| Pretax return on assets | 1.1848% | 2,464 |
| Return on Equity (ROE) | 11.8200% | 2,263 |
| Retained earnings to average equity (ytd only) | 11.8231% | 1,302 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.9727% | 1,755 |
| Assets per employee ($millions) | 9.7900% | 741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7061% | 802 |
| 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 | 64.6800% | 2,182 |
| Net loans and leases to deposits | 73.0113% | 2,384 |
| Net loans and leases to core deposits | 112.7760% | 622 |
| Total domestic deposits to total assets | 88.5900% | 1,705 |
| Equity capital to assets | 7.8619% | 3,336 |
| Core capital (leverage) ratio | 9.7155% | 2,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3136% | 2,628 |
| Memoranda: | ||
| Average total assets | $954,111,500 | 1,035 |
| Average earning assets | $893,442,000 | 1,017 |
| Average equity | $76,156,000 | 1,169 |
| Average total loans | $643,897,000 | 1,023 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0697% | 1,543 |
| Cost of funding earning assets | 0.5488% | 1,114 |
| Net interest margin | 3.5208% | 1,865 |
| Noninterest income to average assets | 1.0900% | 554 |
| Noninterest expense to average assets | 3.0157% | 947 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.0390% | 2,425 |
| Return on assets (ROA) | 1.0390% | 2,362 |
| Pretax return on assets | 1.3196% | 2,019 |
| Return on Equity (ROE) | 11.8400% | 2,198 |
| Retained earnings to average equity (ytd only) | 11.8446% | 702 |
| Net charge-offs to loans | -0.0321% | 4,215 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 68.9407% | 1,837 |
| Assets per employee ($millions) | 9.7811% | 723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8391% | 609 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 68.0600% | 1,825 |
| Net loans and leases to deposits | 78.0136% | 1,947 |
| Net loans and leases to core deposits | 86.4518% | 1,717 |
| Total domestic deposits to total assets | 87.2500% | 2,305 |
| Equity capital to assets | 8.1135% | 2,985 |
| Core capital (leverage) ratio | 9.7757% | 2,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3377% | 2,633 |
| Memoranda: | ||
| Average total assets | $837,078,200 | 1,149 |
| Average earning assets | $780,182,400 | 1,137 |
| Average equity | $73,426,000 | 1,206 |
| Average total loans | $569,974,400 | 1,072 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7298% | 1,955 |
| Cost of funding earning assets | 0.3840% | 1,407 |
| Net interest margin | 3.3458% | 2,153 |
| Noninterest income to average assets | 1.1200% | 557 |
| Noninterest expense to average assets | 2.9371% | 1,000 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0123% | 2,437 |
| Return on assets (ROA) | 1.0123% | 2,405 |
| Pretax return on assets | 1.2974% | 2,056 |
| Return on Equity (ROE) | 11.3100% | 2,266 |
| Retained earnings to average equity (ytd only) | 11.3055% | 967 |
| Net charge-offs to loans | -0.0440% | 4,274 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.3606% | 1,843 |
| Assets per employee ($millions) | 10.2965% | 598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9294% | 569 |
| 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 | 63.2400% | 2,165 |
| Net loans and leases to deposits | 72.0853% | 2,196 |
| Net loans and leases to core deposits | 74.2545% | 2,331 |
| Total domestic deposits to total assets | 87.7300% | 2,510 |
| Equity capital to assets | 7.7461% | 3,055 |
| Core capital (leverage) ratio | 10.0585% | 2,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6540% | 2,599 |
| Memoranda: | ||
| Average total assets | $818,938,000 | 1,172 |
| Average earning assets | $763,173,750 | 1,163 |
| Average equity | $73,331,500 | 1,219 |
| Average total loans | $554,786,000 | 1,090 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4852% | 2,182 |
| Cost of funding earning assets | 0.2925% | 1,786 |
| Net interest margin | 3.1928% | 2,208 |
| Noninterest income to average assets | 1.1470% | 513 |
| Noninterest expense to average assets | 2.8227% | 1,129 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0169% | 2,095 |
| Return on assets (ROA) | 1.0169% | 2,064 |
| Pretax return on assets | 1.2987% | 1,756 |
| Return on Equity (ROE) | 10.7987% | 2,053 |
| Retained earnings to average equity (ytd only) | 10.7987% | 824 |
| Net charge-offs to loans | -0.0672% | 4,337 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4893% | 2,173 |
| Assets per employee ($millions) | 9.6992% | 722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0004% | 552 |
| 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 | 69.4371% | 1,350 |
| Net loans and leases to deposits | 81.9867% | 1,243 |
| Net loans and leases to core deposits | 85.2254% | 1,383 |
| Total domestic deposits to total assets | 84.6932% | 3,550 |
| Equity capital to assets | 9.2196% | 2,218 |
| Core capital (leverage) ratio | 10.0574% | 2,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9105% | 2,527 |
| Memoranda: | ||
| Average total assets | $789,885,333 | 1,200 |
| Average earning assets | $735,849,667 | 1,202 |
| Average equity | $74,379,667 | 1,234 |
| Average total loans | $544,956,000 | 1,100 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2430% | 2,557 |
| Cost of funding earning assets | 0.2525% | 2,128 |
| Net interest margin | 2.9905% | 2,531 |
| Noninterest income to average assets | 1.1601% | 510 |
| Noninterest expense to average assets | 2.5459% | 1,768 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0951% | 1,540 |
| Return on assets (ROA) | 1.0951% | 1,536 |
| Pretax return on assets | 1.4010% | 1,252 |
| Return on Equity (ROE) | 11.5078% | 1,452 |
| Retained earnings to average equity (ytd only) | 11.5078% | 677 |
| Net charge-offs to loans | -0.1217% | 4,509 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5037% | 2,965 |
| Assets per employee ($millions) | 10.3771% | 617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0781% | 544 |
| Loan loss allowance to noncurrent loans | 7,603.3784% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.0188% | 3,870 |
| Noncurrent loans to loans | 0.0273% | 3,799 |
| Net loans and leases to total assets | 67.2330% | 1,288 |
| Net loans and leases to deposits | 78.0949% | 1,280 |
| Net loans and leases to core deposits | 83.9319% | 1,245 |
| Total domestic deposits to total assets | 86.0915% | 3,226 |
| Equity capital to assets | 9.3532% | 2,401 |
| Core capital (leverage) ratio | 10.0589% | 2,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2521% | 2,500 |
| Memoranda: | ||
| Average total assets | $787,159,500 | 1,205 |
| Average earning assets | $733,528,500 | 1,209 |
| Average equity | $74,906,000 | 1,259 |
| Average total loans | $535,668,000 | 1,108 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2228% | 3,425 |
| Cost of funding earning assets | 0.3967% | 1,566 |
| Net interest margin | 2.8261% | 3,608 |
| Noninterest income to average assets | 1.2959% | 636 |
| Noninterest expense to average assets | 2.7075% | 1,616 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9908% | 2,708 |
| Return on assets (ROA) | 0.9783% | 2,830 |
| Pretax return on assets | 1.2056% | 2,646 |
| Return on Equity (ROE) | 10.7124% | 2,272 |
| Retained earnings to average equity (ytd only) | 6.3346% | 2,209 |
| Net charge-offs to loans | -0.2262% | 4,719 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9215% | 1,867 |
| Assets per employee ($millions) | 10.4755% | 585 |
| Cash dividends to net income (ytd only)* | 40.8664% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0931% | 527 |
| Loan loss allowance to noncurrent loans | 10,174.3119% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.0139% | 3,997 |
| Noncurrent loans to loans | 0.0206% | 3,920 |
| Net loans and leases to total assets | 66.0278% | 1,465 |
| Net loans and leases to deposits | 77.6666% | 1,426 |
| Net loans and leases to core deposits | 80.9650% | 1,523 |
| Total domestic deposits to total assets | 85.0144% | 3,265 |
| Equity capital to assets | 9.6794% | 2,963 |
| Core capital (leverage) ratio | 9.3076% | 3,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1494% | 2,582 |
| Memoranda: | ||
| Average total assets | $750,352,800 | 1,220 |
| Average earning assets | $698,958,400 | 1,223 |
| Average equity | $68,528,000 | 1,375 |
| Average total loans | $504,062,000 | 1,155 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2405% | 3,531 |
| Cost of funding earning assets | 0.3975% | 1,710 |
| Net interest margin | 2.8430% | 3,675 |
| Noninterest income to average assets | 1.2628% | 734 |
| Noninterest expense to average assets | 2.6834% | 1,632 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9952% | 2,931 |
| Return on assets (ROA) | 0.9952% | 3,001 |
| Pretax return on assets | 1.2257% | 2,847 |
| Return on Equity (ROE) | 11.0728% | 2,353 |
| Retained earnings to average equity (ytd only) | 5.0713% | 3,194 |
| Net charge-offs to loans | -0.2519% | 4,793 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6445% | 1,741 |
| Assets per employee ($millions) | 11.1359% | 464 |
| Cash dividends to net income (ytd only)* | 54.2005% | 1,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1606% | 486 |
| Loan loss allowance to noncurrent loans | 72,600.0000% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 4,274 |
| Noncurrent loans to loans | 0.0030% | 4,200 |
| Net loans and leases to total assets | 62.3705% | 1,961 |
| Net loans and leases to deposits | 72.3194% | 2,020 |
| Net loans and leases to core deposits | 80.2240% | 1,708 |
| Total domestic deposits to total assets | 86.2431% | 2,650 |
| Equity capital to assets | 8.5894% | 4,140 |
| Core capital (leverage) ratio | 8.9817% | 3,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3928% | 2,883 |
| Memoranda: | ||
| Average total assets | $741,526,250 | 1,249 |
| Average earning assets | $690,247,500 | 1,251 |
| Average equity | $66,648,250 | 1,416 |
| Average total loans | $497,616,750 | 1,183 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3308% | 3,359 |
| Cost of funding earning assets | 0.4416% | 1,584 |
| Net interest margin | 2.8892% | 3,597 |
| Noninterest income to average assets | 1.2248% | 776 |
| Noninterest expense to average assets | 2.6554% | 1,705 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9934% | 2,910 |
| Return on assets (ROA) | 0.9934% | 2,995 |
| Pretax return on assets | 1.2563% | 2,746 |
| Return on Equity (ROE) | 10.8777% | 2,467 |
| Retained earnings to average equity (ytd only) | 1.8180% | 4,156 |
| Net charge-offs to loans | -0.2987% | 4,843 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8841% | 1,892 |
| Assets per employee ($millions) | 10.6122% | 508 |
| Cash dividends to net income (ytd only)* | 83.2871% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0371% | 567 |
| Loan loss allowance to noncurrent loans | 7,032.8947% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.0205% | 4,143 |
| Noncurrent loans to loans | 0.0290% | 4,066 |
| Net loans and leases to total assets | 69.2028% | 1,299 |
| Net loans and leases to deposits | 81.1825% | 1,307 |
| Net loans and leases to core deposits | 90.8144% | 1,081 |
| Total domestic deposits to total assets | 85.2435% | 3,002 |
| Equity capital to assets | 8.9077% | 3,879 |
| Core capital (leverage) ratio | 9.1729% | 3,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1940% | 2,921 |
| Memoranda: | ||
| Average total assets | $725,153,000 | 1,257 |
| Average earning assets | $674,376,667 | 1,266 |
| Average equity | $66,227,000 | 1,412 |
| Average total loans | $495,482,333 | 1,193 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2561% | 3,555 |
| Cost of funding earning assets | 0.5446% | 1,138 |
| Net interest margin | 2.7115% | 3,942 |
| Noninterest income to average assets | 1.2319% | 818 |
| Noninterest expense to average assets | 2.6938% | 1,634 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8371% | 3,305 |
| Return on assets (ROA) | 0.8371% | 3,390 |
| Pretax return on assets | 1.0571% | 3,219 |
| Return on Equity (ROE) | 9.0499% | 3,021 |
| Retained earnings to average equity (ytd only) | 9.0499% | 1,941 |
| Net charge-offs to loans | -0.3660% | 4,871 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8178% | 1,513 |
| Assets per employee ($millions) | 10.9298% | 459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1003% | 504 |
| Loan loss allowance to noncurrent loans | 12,223.5294% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.0116% | 4,302 |
| Noncurrent loans to loans | 0.0172% | 4,208 |
| Net loans and leases to total assets | 66.1353% | 1,786 |
| Net loans and leases to deposits | 77.9167% | 1,725 |
| Net loans and leases to core deposits | 78.9993% | 2,095 |
| Total domestic deposits to total assets | 84.8796% | 3,152 |
| Equity capital to assets | 9.1003% | 3,590 |
| Core capital (leverage) ratio | 9.4384% | 3,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3086% | 2,562 |
| Memoranda: | ||
| Average total assets | $716,302,500 | 1,265 |
| Average earning assets | $665,453,000 | 1,270 |
| Average equity | $66,255,000 | 1,405 |
| Average total loans | $480,840,500 | 1,218 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7182% | 3,533 |
| Cost of funding earning assets | 0.7721% | 1,334 |
| Net interest margin | 2.9461% | 4,018 |
| Noninterest income to average assets | 1.4512% | 569 |
| Noninterest expense to average assets | 2.6606% | 2,356 |
| Loan and lease loss provision to assets | 0.3064% | 1,225 |
| Net operating income to assets | 0.9725% | 2,388 |
| Return on assets (ROA) | 0.9796% | 2,505 |
| Pretax return on assets | 1.2174% | 2,270 |
| Return on Equity (ROE) | 9.9146% | 2,035 |
| Retained earnings to average equity (ytd only) | 9.9146% | 601 |
| Net charge-offs to loans | -0.1928% | 4,893 |
| Credit loss provision to net charge-offs | -228.6385% | 3,817 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7168% | 2,862 |
| Assets per employee ($millions) | 10.6108% | 444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1307% | 465 |
| Loan loss allowance to noncurrent loans | 5,527.7778% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.0257% | 4,248 |
| Noncurrent loans to loans | 0.0385% | 4,149 |
| Net loans and leases to total assets | 65.2619% | 2,194 |
| Net loans and leases to deposits | 79.5585% | 1,916 |
| Net loans and leases to core deposits | 90.2755% | 1,504 |
| Total domestic deposits to total assets | 82.0300% | 3,655 |
| Equity capital to assets | 9.4057% | 3,698 |
| Core capital (leverage) ratio | 9.4529% | 3,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4744% | 2,459 |
| Memoranda: | ||
| Average total assets | $635,689,200 | 1,281 |
| Average earning assets | $587,870,600 | 1,286 |
| Average equity | $62,806,400 | 1,397 |
| Average total loans | $441,874,200 | 1,250 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9499% | 3,111 |
| Cost of funding earning assets | 0.8651% | 1,191 |
| Net interest margin | 3.0848% | 3,769 |
| Noninterest income to average assets | 1.4778% | 536 |
| Noninterest expense to average assets | 2.6238% | 2,469 |
| Loan and lease loss provision to assets | 0.4092% | 844 |
| Net operating income to assets | 1.0486% | 2,152 |
| Return on assets (ROA) | 1.0584% | 2,250 |
| Pretax return on assets | 1.3072% | 2,016 |
| Return on Equity (ROE) | 10.5691% | 1,824 |
| Retained earnings to average equity (ytd only) | 10.5691% | 661 |
| Net charge-offs to loans | -0.2140% | 4,930 |
| Credit loss provision to net charge-offs | -271.9599% | 3,689 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6235% | 3,285 |
| Assets per employee ($millions) | 10.2230% | 475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1208% | 405 |
| Loan loss allowance to noncurrent loans | 2,152.3179% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.0682% | 4,098 |
| Noncurrent loans to loans | 0.0985% | 3,979 |
| Net loans and leases to total assets | 67.7184% | 2,281 |
| Net loans and leases to deposits | 83.4934% | 1,962 |
| Net loans and leases to core deposits | 95.6412% | 1,487 |
| Total domestic deposits to total assets | 81.1064% | 3,635 |
| Equity capital to assets | 9.7089% | 3,508 |
| Core capital (leverage) ratio | 9.5622% | 3,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0116% | 2,195 |
| Memoranda: | ||
| Average total assets | $619,533,750 | 1,287 |
| Average earning assets | $572,417,750 | 1,291 |
| Average equity | $62,040,750 | 1,400 |
| Average total loans | $435,596,250 | 1,256 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3567% | 2,321 |
| Cost of funding earning assets | 0.9326% | 1,229 |
| Net interest margin | 3.4241% | 3,025 |
| Noninterest income to average assets | 1.4986% | 470 |
| Noninterest expense to average assets | 2.6321% | 2,568 |
| Loan and lease loss provision to assets | 0.5885% | 546 |
| Net operating income to assets | 1.1637% | 1,749 |
| Return on assets (ROA) | 1.1784% | 1,836 |
| Pretax return on assets | 1.4566% | 1,566 |
| Return on Equity (ROE) | 11.6375% | 1,440 |
| Retained earnings to average equity (ytd only) | 11.6375% | 508 |
| Net charge-offs to loans | -0.1268% | 4,884 |
| Credit loss provision to net charge-offs | -656.4576% | 3,659 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4936% | 3,885 |
| Assets per employee ($millions) | 10.4697% | 444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0014% | 430 |
| Loan loss allowance to noncurrent loans | 698.0273% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.1998% | 3,537 |
| Noncurrent loans to loans | 0.2867% | 3,349 |
| Net loans and leases to total assets | 68.2972% | 2,303 |
| Net loans and leases to deposits | 84.4919% | 1,938 |
| Net loans and leases to core deposits | 99.5908% | 1,286 |
| Total domestic deposits to total assets | 80.8328% | 3,648 |
| Equity capital to assets | 9.5699% | 3,591 |
| Core capital (leverage) ratio | 9.8073% | 3,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9731% | 2,192 |
| Memoranda: | ||
| Average total assets | $604,547,000 | 1,287 |
| Average earning assets | $557,987,333 | 1,301 |
| Average equity | $61,216,000 | 1,403 |
| Average total loans | $427,550,000 | 1,261 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1681% | 3,326 |
| Cost of funding earning assets | 1.1649% | 861 |
| Net interest margin | 3.0032% | 4,277 |
| Noninterest income to average assets | 1.6478% | 332 |
| Noninterest expense to average assets | 2.7472% | 2,585 |
| Loan and lease loss provision to assets | 0.2773% | 1,123 |
| Net operating income to assets | 1.1361% | 1,738 |
| Return on assets (ROA) | 1.1674% | 1,740 |
| Pretax return on assets | 1.4225% | 1,499 |
| Return on Equity (ROE) | 11.1777% | 1,364 |
| Retained earnings to average equity (ytd only) | 11.1777% | 545 |
| Net charge-offs to loans | -0.0126% | 4,160 |
| Credit loss provision to net charge-offs | -3,076.9231% | 3,797 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3113% | 3,464 |
| Assets per employee ($millions) | 9.5685% | 437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8409% | 670 |
| Loan loss allowance to noncurrent loans | 358.9464% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.3732% | 2,949 |
| Noncurrent loans to loans | 0.5129% | 2,731 |
| Net loans and leases to total assets | 71.4344% | 2,011 |
| Net loans and leases to deposits | 91.7055% | 1,315 |
| Net loans and leases to core deposits | 116.8740% | 556 |
| Total domestic deposits to total assets | 77.8955% | 4,235 |
| Equity capital to assets | 10.8492% | 2,990 |
| Core capital (leverage) ratio | 10.9091% | 2,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4447% | 2,508 |
| Memoranda: | ||
| Average total assets | $577,025,000 | 1,295 |
| Average earning assets | $530,502,500 | 1,312 |
| Average equity | $60,263,000 | 1,411 |
| Average total loans | $411,484,000 | 1,268 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8817% | 1,807 |
| Cost of funding earning assets | 1.1435% | 1,176 |
| Net interest margin | 3.7383% | 2,701 |
| Noninterest income to average assets | 1.6033% | 363 |
| Noninterest expense to average assets | 2.7351% | 2,787 |
| Loan and lease loss provision to assets | 0.5465% | 227 |
| Net operating income to assets | 1.5007% | 1,052 |
| Return on assets (ROA) | 1.5007% | 1,118 |
| Pretax return on assets | 1.8782% | 783 |
| Return on Equity (ROE) | 14.1818% | 865 |
| Retained earnings to average equity (ytd only) | 14.1818% | 120 |
| Net charge-offs to loans | 0.7405% | 224 |
| Credit loss provision to net charge-offs | 97.4350% | 2,543 |
| Earnings coverage of net charge-offs (x) | 4.3228% | 3,227 |
| Efficiency ratio | 53.0077% | 4,519 |
| Assets per employee ($millions) | 9.6641% | 389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7349% | 738 |
| Loan loss allowance to noncurrent loans | 275.4237% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 0.4404% | 2,637 |
| Noncurrent loans to loans | 0.6299% | 2,309 |
| Net loans and leases to total assets | 68.6976% | 2,583 |
| Net loans and leases to deposits | 87.2160% | 1,944 |
| Net loans and leases to core deposits | 107.2162% | 1,026 |
| Total domestic deposits to total assets | 78.7671% | 4,227 |
| Equity capital to assets | 10.0555% | 3,866 |
| Core capital (leverage) ratio | 10.5042% | 2,949 |
| Tier 1 risk-based capital ratio | 11.7190% | 4,518 |
| Total risk-based capital ratio | 12.9713% | 4,394 |
| Memoranda: | ||
| Average total assets | $521,302,200 | 1,371 |
| Average earning assets | $495,953,400 | 1,339 |
| Average equity | $55,162,400 | 1,468 |
| Average total loans | $394,888,200 | 1,280 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9862% | 1,577 |
| Cost of funding earning assets | 1.1481% | 1,182 |
| Net interest margin | 3.8381% | 2,474 |
| Noninterest income to average assets | 1.6142% | 358 |
| Noninterest expense to average assets | 3.0008% | 1,979 |
| Loan and lease loss provision to assets | 0.2975% | 499 |
| Net operating income to assets | 1.5833% | 971 |
| Return on assets (ROA) | 1.5833% | 1,022 |
| Pretax return on assets | 1.9976% | 689 |
| Return on Equity (ROE) | 14.7484% | 834 |
| Retained earnings to average equity (ytd only) | 14.7484% | 164 |
| Net charge-offs to loans | 0.1109% | 1,359 |
| Credit loss provision to net charge-offs | 346.1538% | 867 |
| Earnings coverage of net charge-offs (x) | 26.7078% | 1,731 |
| Efficiency ratio | 56.6628% | 4,098 |
| Assets per employee ($millions) | 8.9307% | 499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9249% | 538 |
| 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 | 77.5996% | 1,208 |
| Net loans and leases to deposits | 99.0242% | 719 |
| Net loans and leases to core deposits | 123.5742% | 420 |
| Total domestic deposits to total assets | 78.3643% | 4,294 |
| Equity capital to assets | 10.9026% | 3,195 |
| Core capital (leverage) ratio | 11.0968% | 2,560 |
| Tier 1 risk-based capital ratio | 12.1134% | 4,358 |
| Total risk-based capital ratio | 13.3690% | 4,251 |
| Memoranda: | ||
| Average total assets | $504,250,250 | 1,422 |
| Average earning assets | $483,699,000 | 1,372 |
| Average equity | $54,133,500 | 1,488 |
| Average total loans | $390,578,000 | 1,303 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0086% | 1,464 |
| Cost of funding earning assets | 1.0951% | 1,318 |
| Net interest margin | 3.9135% | 2,205 |
| Noninterest income to average assets | 1.5957% | 362 |
| Noninterest expense to average assets | 3.0497% | 1,866 |
| Loan and lease loss provision to assets | 0.2517% | 607 |
| Net operating income to assets | 1.5748% | 961 |
| Return on assets (ROA) | 1.5716% | 1,006 |
| Pretax return on assets | 2.0431% | 626 |
| Return on Equity (ROE) | 14.7202% | 820 |
| Retained earnings to average equity (ytd only) | 14.7202% | 184 |
| Net charge-offs to loans | 0.1702% | 951 |
| Credit loss provision to net charge-offs | 192.3077% | 1,253 |
| Earnings coverage of net charge-offs (x) | 17.5662% | 1,886 |
| Efficiency ratio | 57.0203% | 4,130 |
| Assets per employee ($millions) | 8.5628% | 545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9142% | 548 |
| 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 | 76.3235% | 1,504 |
| Net loans and leases to deposits | 95.9069% | 1,046 |
| Net loans and leases to core deposits | 121.7859% | 495 |
| Total domestic deposits to total assets | 79.5808% | 4,121 |
| Equity capital to assets | 10.9401% | 3,136 |
| Core capital (leverage) ratio | 11.2213% | 2,401 |
| Tier 1 risk-based capital ratio | 11.9946% | 4,423 |
| Total risk-based capital ratio | 13.2495% | 4,306 |
| Memoranda: | ||
| Average total assets | $496,696,670 | 1,440 |
| Average earning assets | $476,305,000 | 1,394 |
| Average equity | $53,029,000 | 1,509 |
| Average total loans | $381,802,000 | 1,327 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9653% | 1,423 |
| Cost of funding earning assets | 1.0551% | 1,357 |
| Net interest margin | 3.9102% | 2,157 |
| Noninterest income to average assets | 1.5425% | 358 |
| Noninterest expense to average assets | 3.0274% | 1,913 |
| Loan and lease loss provision to assets | 0.1828% | 900 |
| Net operating income to assets | 1.6082% | 880 |
| Return on assets (ROA) | 1.6018% | 921 |
| Pretax return on assets | 2.0721% | 563 |
| Return on Equity (ROE) | 15.1960% | 712 |
| Retained earnings to average equity (ytd only) | 15.1960% | 268 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2240% | 4,182 |
| Assets per employee ($millions) | 8.3494% | 592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9560% | 546 |
| 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 | 78.4674% | 1,079 |
| Net loans and leases to deposits | 97.3344% | 860 |
| Net loans and leases to core deposits | 123.9188% | 427 |
| Total domestic deposits to total assets | 80.6163% | 4,049 |
| Equity capital to assets | 11.1438% | 2,711 |
| Core capital (leverage) ratio | 10.8302% | 2,739 |
| Tier 1 risk-based capital ratio | 11.8975% | 4,518 |
| Total risk-based capital ratio | 13.1531% | 4,412 |
| Memoranda: | ||
| Average total assets | $492,442,500 | 1,459 |
| Average earning assets | $471,992,000 | 1,414 |
| Average equity | $51,908,500 | 1,530 |
| Average total loans | $376,145,500 | 1,352 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6622% | 1,949 |
| Cost of funding earning assets | 0.7884% | 1,586 |
| Net interest margin | 3.8738% | 2,414 |
| Noninterest income to average assets | 1.6037% | 368 |
| Noninterest expense to average assets | 3.1986% | 1,555 |
| Loan and lease loss provision to assets | 0.1451% | 1,476 |
| Net operating income to assets | 1.4990% | 1,120 |
| Return on assets (ROA) | 1.5037% | 1,096 |
| Pretax return on assets | 1.9814% | 584 |
| Return on Equity (ROE) | 15.4093% | 738 |
| Retained earnings to average equity (ytd only) | 15.4093% | 98 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1333% | 3,837 |
| Assets per employee ($millions) | 9.6032% | 384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9453% | 530 |
| 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 | 71.5520% | 2,335 |
| Net loans and leases to deposits | 84.5286% | 2,455 |
| Net loans and leases to core deposits | 95.4608% | 2,102 |
| Total domestic deposits to total assets | 84.6482% | 2,783 |
| Equity capital to assets | 9.9774% | 3,700 |
| Core capital (leverage) ratio | 9.9059% | 3,689 |
| Tier 1 risk-based capital ratio | 11.4196% | 4,762 |
| Total risk-based capital ratio | 12.6743% | 4,668 |
| Memoranda: | ||
| Average total assets | $482,273,800 | 1,451 |
| Average earning assets | $462,575,000 | 1,409 |
| Average equity | $47,062,600 | 1,597 |
| Average total loans | $370,345,200 | 1,333 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5730% | 2,065 |
| Cost of funding earning assets | 0.7338% | 1,659 |
| Net interest margin | 3.8392% | 2,501 |
| Noninterest income to average assets | 1.5621% | 399 |
| Noninterest expense to average assets | 3.1269% | 1,695 |
| Loan and lease loss provision to assets | 0.1612% | 1,195 |
| Net operating income to assets | 1.4839% | 1,240 |
| Return on assets (ROA) | 1.4903% | 1,218 |
| Pretax return on assets | 1.9635% | 686 |
| Return on Equity (ROE) | 15.3640% | 814 |
| Retained earnings to average equity (ytd only) | 15.3640% | 163 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6343% | 3,860 |
| Assets per employee ($millions) | 9.1582% | 427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9024% | 588 |
| 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 | 75.4263% | 1,745 |
| Net loans and leases to deposits | 89.2032% | 1,999 |
| Net loans and leases to core deposits | 101.3667% | 1,663 |
| Total domestic deposits to total assets | 84.5555% | 2,780 |
| Equity capital to assets | 10.0467% | 3,591 |
| Core capital (leverage) ratio | 10.3439% | 3,243 |
| Tier 1 risk-based capital ratio | 11.2216% | 4,939 |
| Total risk-based capital ratio | 12.4762% | 4,832 |
| Memoranda: | ||
| Average total assets | $475,599,750 | 1,473 |
| Average earning assets | $456,053,750 | 1,429 |
| Average equity | $46,132,750 | 1,626 |
| Average total loans | $370,080,750 | 1,338 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4928% | 2,107 |
| Cost of funding earning assets | 0.7044% | 1,597 |
| Net interest margin | 3.7884% | 2,600 |
| Noninterest income to average assets | 1.5603% | 401 |
| Noninterest expense to average assets | 3.1054% | 1,772 |
| Loan and lease loss provision to assets | 0.1588% | 1,178 |
| Net operating income to assets | 1.4617% | 1,250 |
| Return on assets (ROA) | 1.4714% | 1,224 |
| Pretax return on assets | 1.9384% | 706 |
| Return on Equity (ROE) | 15.3573% | 782 |
| Retained earnings to average equity (ytd only) | 15.3573% | 183 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8303% | 3,961 |
| Assets per employee ($millions) | 8.9422% | 458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8598% | 679 |
| 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 | 76.8243% | 1,507 |
| Net loans and leases to deposits | 91.0719% | 1,699 |
| Net loans and leases to core deposits | 104.9976% | 1,314 |
| Total domestic deposits to total assets | 84.3557% | 2,932 |
| Equity capital to assets | 9.9056% | 3,717 |
| Core capital (leverage) ratio | 10.1471% | 3,421 |
| Tier 1 risk-based capital ratio | 10.7319% | 5,178 |
| Total risk-based capital ratio | 11.9858% | 5,074 |
| Memoranda: | ||
| Average total assets | $472,338,330 | 1,496 |
| Average earning assets | $452,589,330 | 1,448 |
| Average equity | $45,255,330 | 1,665 |
| Average total loans | $369,038,670 | 1,341 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4596% | 1,994 |
| Cost of funding earning assets | 0.6741% | 1,572 |
| Net interest margin | 3.7855% | 2,481 |
| Noninterest income to average assets | 1.5227% | 418 |
| Noninterest expense to average assets | 3.0496% | 1,946 |
| Loan and lease loss provision to assets | 0.1909% | 883 |
| Net operating income to assets | 1.4514% | 1,190 |
| Return on assets (ROA) | 1.4514% | 1,196 |
| Pretax return on assets | 1.9120% | 701 |
| Return on Equity (ROE) | 15.4109% | 726 |
| Retained earnings to average equity (ytd only) | 15.4109% | 292 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1867% | 4,185 |
| Assets per employee ($millions) | 8.7095% | 490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8309% | 733 |
| 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 | 81.4784% | 731 |
| Net loans and leases to deposits | 97.0977% | 933 |
| Net loans and leases to core deposits | 113.7111% | 815 |
| Total domestic deposits to total assets | 83.9139% | 3,360 |
| Equity capital to assets | 10.1852% | 3,410 |
| Core capital (leverage) ratio | 9.5031% | 4,064 |
| Tier 1 risk-based capital ratio | 10.5742% | 5,329 |
| Total risk-based capital ratio | 11.8347% | 5,227 |
| Memoranda: | ||
| Average total assets | $471,539,500 | 1,507 |
| Average earning assets | $452,147,500 | 1,453 |
| Average equity | $44,410,000 | 1,696 |
| Average total loans | $368,059,000 | 1,349 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1593% | 2,842 |
| Cost of funding earning assets | 0.4706% | 2,600 |
| Net interest margin | 3.6887% | 2,839 |
| Noninterest income to average assets | 1.5897% | 415 |
| Noninterest expense to average assets | 3.1194% | 1,804 |
| Loan and lease loss provision to assets | 0.1398% | 1,634 |
| Net operating income to assets | 1.0240% | 2,139 |
| Return on assets (ROA) | 1.0234% | 2,174 |
| Pretax return on assets | 1.8610% | 663 |
| Return on Equity (ROE) | 11.0701% | 1,449 |
| Retained earnings to average equity (ytd only) | 11.0701% | 238 |
| Net charge-offs to loans | -0.0207% | 4,967 |
| Credit loss provision to net charge-offs | -858.9041% | 5,041 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9133% | 4,127 |
| Assets per employee ($millions) | 9.7822% | 345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7757% | 815 |
| 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 | 72.3456% | 2,172 |
| Net loans and leases to deposits | 84.5061% | 2,440 |
| Net loans and leases to core deposits | 97.1642% | 1,927 |
| Total domestic deposits to total assets | 85.6100% | 2,612 |
| Equity capital to assets | 8.7351% | 4,942 |
| Core capital (leverage) ratio | 9.2211% | 4,373 |
| Tier 1 risk-based capital ratio | 10.0727% | 5,516 |
| Total risk-based capital ratio | 11.3261% | 5,452 |
| Memoranda: | ||
| Average total assets | $448,586,000 | 1,550 |
| Average earning assets | $429,450,200 | 1,505 |
| Average equity | $41,472,200 | 1,796 |
| Average total loans | $353,263,800 | 1,372 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2048% | 2,599 |
| Cost of funding earning assets | 0.4533% | 2,689 |
| Net interest margin | 3.7515% | 2,574 |
| Noninterest income to average assets | 1.5822% | 435 |
| Noninterest expense to average assets | 3.1188% | 1,752 |
| Loan and lease loss provision to assets | 0.1535% | 1,354 |
| Net operating income to assets | 1.2113% | 1,645 |
| Return on assets (ROA) | 1.2113% | 1,678 |
| Pretax return on assets | 1.8962% | 692 |
| Return on Equity (ROE) | 12.8981% | 1,082 |
| Retained earnings to average equity (ytd only) | 12.8981% | 231 |
| Net charge-offs to loans | -0.0278% | 4,974 |
| Credit loss provision to net charge-offs | -687.6712% | 4,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3420% | 4,153 |
| Assets per employee ($millions) | 9.0579% | 428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8323% | 799 |
| 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 | 75.7106% | 1,638 |
| Net loans and leases to deposits | 89.5925% | 1,856 |
| Net loans and leases to core deposits | 103.3424% | 1,444 |
| Total domestic deposits to total assets | 84.5055% | 2,914 |
| Equity capital to assets | 9.4876% | 4,458 |
| Core capital (leverage) ratio | 9.9403% | 3,640 |
| Tier 1 risk-based capital ratio | 10.4361% | 5,473 |
| Total risk-based capital ratio | 11.6898% | 5,410 |
| Memoranda: | ||
| Average total assets | $436,009,000 | 1,599 |
| Average earning assets | $416,817,500 | 1,556 |
| Average equity | $40,945,500 | 1,834 |
| Average total loans | $349,716,500 | 1,389 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1501% | 2,667 |
| Cost of funding earning assets | 0.4285% | 2,819 |
| Net interest margin | 3.7216% | 2,577 |
| Noninterest income to average assets | 1.5535% | 453 |
| Noninterest expense to average assets | 3.0754% | 1,899 |
| Loan and lease loss provision to assets | 0.1636% | 1,223 |
| Net operating income to assets | 1.1962% | 1,607 |
| Return on assets (ROA) | 1.1962% | 1,642 |
| Pretax return on assets | 1.8704% | 711 |
| Return on Equity (ROE) | 12.7834% | 1,092 |
| Retained earnings to average equity (ytd only) | 12.7834% | 260 |
| Net charge-offs to loans | -0.0417% | 5,091 |
| Credit loss provision to net charge-offs | -482.1918% | 4,658 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1910% | 4,290 |
| Assets per employee ($millions) | 8.6520% | 473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7685% | 947 |
| 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 | 81.8883% | 682 |
| Net loans and leases to deposits | 97.4952% | 942 |
| Net loans and leases to core deposits | 115.4544% | 742 |
| Total domestic deposits to total assets | 83.9921% | 3,197 |
| Equity capital to assets | 9.8074% | 4,121 |
| Core capital (leverage) ratio | 10.0978% | 3,410 |
| Tier 1 risk-based capital ratio | 10.0904% | 5,608 |
| Total risk-based capital ratio | 11.3438% | 5,551 |
| Memoranda: | ||
| Average total assets | $430,379,670 | 1,619 |
| Average earning assets | $411,218,330 | 1,574 |
| Average equity | $40,271,000 | 1,858 |
| Average total loans | $349,858,330 | 1,393 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0582% | 2,809 |
| Cost of funding earning assets | 0.4029% | 2,967 |
| Net interest margin | 3.6553% | 2,675 |
| Noninterest income to average assets | 1.4050% | 541 |
| Noninterest expense to average assets | 2.8829% | 2,511 |
| Loan and lease loss provision to assets | 0.1402% | 1,352 |
| Net operating income to assets | 1.1716% | 1,580 |
| Return on assets (ROA) | 1.1716% | 1,625 |
| Pretax return on assets | 1.8801% | 673 |
| Return on Equity (ROE) | 12.8226% | 1,036 |
| Retained earnings to average equity (ytd only) | 12.8226% | 391 |
| Net charge-offs to loans | -0.0839% | 5,391 |
| Credit loss provision to net charge-offs | -208.2192% | 4,048 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7959% | 4,615 |
| Assets per employee ($millions) | 8.3725% | 530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7407% | 1,074 |
| 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 | 81.5774% | 617 |
| Net loans and leases to deposits | 95.6506% | 963 |
| Net loans and leases to core deposits | 116.5789% | 574 |
| Total domestic deposits to total assets | 85.2869% | 2,968 |
| Equity capital to assets | 9.6200% | 4,165 |
| Core capital (leverage) ratio | 9.4524% | 4,174 |
| Tier 1 risk-based capital ratio | 9.9941% | 5,699 |
| Total risk-based capital ratio | 11.2473% | 5,665 |
| Memoranda: | ||
| Average total assets | $433,596,500 | 1,625 |
| Average earning assets | $414,959,500 | 1,575 |
| Average equity | $39,617,500 | 1,882 |
| Average total loans | $348,081,500 | 1,406 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0024% | 3,190 |
| Cost of funding earning assets | 0.4186% | 2,820 |
| Net interest margin | 3.5837% | 3,126 |
| Noninterest income to average assets | 1.3870% | 591 |
| Noninterest expense to average assets | 2.9083% | 2,647 |
| Loan and lease loss provision to assets | 0.2853% | 683 |
| Net operating income to assets | 1.0687% | 2,041 |
| Return on assets (ROA) | 1.0687% | 2,147 |
| Pretax return on assets | 1.6721% | 1,073 |
| Return on Equity (ROE) | 11.9074% | 1,266 |
| Retained earnings to average equity (ytd only) | 11.9074% | 226 |
| Net charge-offs to loans | 0.0204% | 3,643 |
| Credit loss provision to net charge-offs | 1,741.7910% | 252 |
| Earnings coverage of net charge-offs (x) | 119.4925% | 506 |
| Efficiency ratio | 59.7709% | 4,620 |
| Assets per employee ($millions) | 9.1544% | 409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6709% | 1,200 |
| 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 | 76.4175% | 1,449 |
| Net loans and leases to deposits | 88.8119% | 1,829 |
| Net loans and leases to core deposits | 100.4275% | 1,586 |
| Total domestic deposits to total assets | 86.0442% | 2,559 |
| Equity capital to assets | 8.6861% | 5,116 |
| Core capital (leverage) ratio | 8.7041% | 5,070 |
| Tier 1 risk-based capital ratio | 9.3803% | 5,829 |
| Total risk-based capital ratio | 10.6323% | 5,828 |
| Memoranda: | ||
| Average total assets | $409,004,800 | 1,648 |
| Average earning assets | $397,014,800 | 1,582 |
| Average equity | $36,708,200 | 1,992 |
| Average total loans | $327,764,400 | 1,422 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0116% | 3,187 |
| Cost of funding earning assets | 0.4268% | 2,765 |
| Net interest margin | 3.5848% | 3,136 |
| Noninterest income to average assets | 1.3409% | 653 |
| Noninterest expense to average assets | 2.8456% | 2,845 |
| Loan and lease loss provision to assets | 0.2983% | 572 |
| Net operating income to assets | 1.0216% | 2,323 |
| Return on assets (ROA) | 1.0216% | 2,458 |
| Pretax return on assets | 1.6904% | 1,139 |
| Return on Equity (ROE) | 11.2804% | 1,568 |
| Retained earnings to average equity (ytd only) | 11.2804% | 392 |
| Net charge-offs to loans | 0.0281% | 3,103 |
| Credit loss provision to net charge-offs | 1,313.2353% | 323 |
| Earnings coverage of net charge-offs (x) | 87.5483% | 719 |
| Efficiency ratio | 58.8626% | 4,706 |
| Assets per employee ($millions) | 9.3686% | 365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6173% | 1,418 |
| 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 | 76.6734% | 1,412 |
| Net loans and leases to deposits | 90.6212% | 1,678 |
| Net loans and leases to core deposits | 105.3401% | 1,247 |
| Total domestic deposits to total assets | 84.6086% | 2,982 |
| Equity capital to assets | 8.5687% | 5,494 |
| Core capital (leverage) ratio | 9.2717% | 4,502 |
| Tier 1 risk-based capital ratio | 9.3696% | 5,893 |
| Total risk-based capital ratio | 10.6213% | 5,887 |
| Memoranda: | ||
| Average total assets | $399,114,500 | 1,691 |
| Average earning assets | $388,927,500 | 1,610 |
| Average equity | $36,144,500 | 2,028 |
| Average total loans | $322,553,500 | 1,443 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1016% | 2,851 |
| Cost of funding earning assets | 0.4186% | 2,846 |
| Net interest margin | 3.6830% | 2,766 |
| Noninterest income to average assets | 1.3659% | 615 |
| Noninterest expense to average assets | 2.9177% | 2,623 |
| Loan and lease loss provision to assets | 0.2963% | 612 |
| Net operating income to assets | 1.0488% | 2,184 |
| Return on assets (ROA) | 1.0488% | 2,309 |
| Pretax return on assets | 1.7365% | 1,009 |
| Return on Equity (ROE) | 11.3488% | 1,527 |
| Retained earnings to average equity (ytd only) | 11.3488% | 397 |
| Net charge-offs to loans | 0.0450% | 2,573 |
| Credit loss provision to net charge-offs | 804.2254% | 447 |
| Earnings coverage of net charge-offs (x) | 55.1690% | 927 |
| Efficiency ratio | 58.9370% | 4,779 |
| Assets per employee ($millions) | 8.3537% | 500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6478% | 1,406 |
| 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 | 79.4293% | 998 |
| Net loans and leases to deposits | 95.9162% | 1,087 |
| Net loans and leases to core deposits | 113.3463% | 753 |
| Total domestic deposits to total assets | 82.8111% | 3,720 |
| Equity capital to assets | 9.3361% | 4,933 |
| Core capital (leverage) ratio | 9.8554% | 3,741 |
| Tier 1 risk-based capital ratio | 9.8752% | 5,880 |
| Total risk-based capital ratio | 11.1271% | 5,842 |
| Memoranda: | ||
| Average total assets | $385,377,670 | 1,739 |
| Average earning assets | $375,073,000 | 1,663 |
| Average equity | $35,616,000 | 2,052 |
| Average total loans | $315,684,000 | 1,467 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1358% | 2,705 |
| Cost of funding earning assets | 0.4252% | 2,810 |
| Net interest margin | 3.7106% | 2,623 |
| Noninterest income to average assets | 1.3873% | 576 |
| Noninterest expense to average assets | 2.8993% | 2,708 |
| Loan and lease loss provision to assets | 0.2860% | 573 |
| Net operating income to assets | 1.0939% | 1,928 |
| Return on assets (ROA) | 1.0939% | 2,025 |
| Pretax return on assets | 1.8137% | 829 |
| Return on Equity (ROE) | 11.8988% | 1,342 |
| Retained earnings to average equity (ytd only) | 11.8988% | 519 |
| Net charge-offs to loans | -0.0025% | 4,149 |
| Credit loss provision to net charge-offs | -13,650.0000% | 5,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9962% | 4,997 |
| Assets per employee ($millions) | 7.9609% | 577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5500% | 1,785 |
| 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 | 84.8748% | 303 |
| Net loans and leases to deposits | 102.8843% | 470 |
| Net loans and leases to core deposits | 122.5012% | 401 |
| Total domestic deposits to total assets | 82.4954% | 4,069 |
| Equity capital to assets | 9.5306% | 4,641 |
| Core capital (leverage) ratio | 9.4311% | 4,307 |
| Tier 1 risk-based capital ratio | 9.6170% | 5,990 |
| Total risk-based capital ratio | 10.8682% | 5,962 |
| Memoranda: | ||
| Average total assets | $381,753,500 | 1,756 |
| Average earning assets | $371,584,000 | 1,673 |
| Average equity | $35,096,000 | 2,078 |
| Average total loans | $314,983,500 | 1,465 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9406% | 3,562 |
| Cost of funding earning assets | 0.4263% | 2,883 |
| Net interest margin | 3.5143% | 3,469 |
| Noninterest income to average assets | 1.3885% | 629 |
| Noninterest expense to average assets | 3.0998% | 2,241 |
| Loan and lease loss provision to assets | 0.1950% | 1,123 |
| Net operating income to assets | 0.9066% | 2,830 |
| Return on assets (ROA) | 0.9082% | 2,905 |
| Pretax return on assets | 1.5136% | 1,515 |
| Return on Equity (ROE) | 9.8935% | 2,049 |
| Retained earnings to average equity (ytd only) | 9.8935% | 475 |
| Net charge-offs to loans | 0.1223% | 2,149 |
| Credit loss provision to net charge-offs | 200.0000% | 1,388 |
| Earnings coverage of net charge-offs (x) | 17.4971% | 2,070 |
| Efficiency ratio | 64.5006% | 4,168 |
| Assets per employee ($millions) | 8.4640% | 466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5371% | 1,835 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2663% | 4,526 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 77.7389% | 1,157 |
| Net loans and leases to deposits | 94.1648% | 1,187 |
| Net loans and leases to core deposits | 109.5689% | 879 |
| Total domestic deposits to total assets | 82.5563% | 3,996 |
| Equity capital to assets | 8.8693% | 5,252 |
| Core capital (leverage) ratio | 9.2205% | 4,583 |
| Tier 1 risk-based capital ratio | 9.4744% | 6,049 |
| Total risk-based capital ratio | 10.7249% | 6,035 |
| Memoranda: | ||
| Average total assets | $358,954,200 | 1,832 |
| Average earning assets | $349,061,000 | 1,736 |
| Average equity | $32,950,800 | 2,150 |
| Average total loans | $286,231,200 | 1,525 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9703% | 3,462 |
| Cost of funding earning assets | 0.4212% | 3,000 |
| Net interest margin | 3.5492% | 3,343 |
| Noninterest income to average assets | 1.4204% | 619 |
| Noninterest expense to average assets | 3.1815% | 2,016 |
| Loan and lease loss provision to assets | 0.1992% | 1,010 |
| Net operating income to assets | 0.8941% | 2,992 |
| Return on assets (ROA) | 0.8963% | 3,068 |
| Pretax return on assets | 1.4936% | 1,695 |
| Return on Equity (ROE) | 9.6735% | 2,234 |
| Retained earnings to average equity (ytd only) | 9.6735% | 698 |
| Net charge-offs to loans | 0.1661% | 1,489 |
| Credit loss provision to net charge-offs | 150.0000% | 1,674 |
| Earnings coverage of net charge-offs (x) | 12.7199% | 2,381 |
| Efficiency ratio | 65.3163% | 4,009 |
| Assets per employee ($millions) | 7.7912% | 594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5746% | 1,872 |
| Loan loss allowance to noncurrent loans | 446.0784% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.2846% | 4,628 |
| Noncurrent loans to loans | 0.3530% | 4,346 |
| Net loans and leases to total assets | 79.3574% | 904 |
| Net loans and leases to deposits | 97.9653% | 820 |
| Net loans and leases to core deposits | 118.8685% | 504 |
| Total domestic deposits to total assets | 81.0056% | 4,471 |
| Equity capital to assets | 9.4198% | 4,860 |
| Core capital (leverage) ratio | 9.7868% | 3,916 |
| Tier 1 risk-based capital ratio | 9.9360% | 6,062 |
| Total risk-based capital ratio | 11.1870% | 6,020 |
| Memoranda: | ||
| Average total assets | $351,357,000 | 1,873 |
| Average earning assets | $341,591,250 | 1,793 |
| Average equity | $32,555,500 | 2,184 |
| Average total loans | $280,940,000 | 1,557 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9877% | 3,341 |
| Cost of funding earning assets | 0.4262% | 2,973 |
| Net interest margin | 3.5615% | 3,242 |
| Noninterest income to average assets | 1.4057% | 641 |
| Noninterest expense to average assets | 3.1512% | 2,115 |
| Loan and lease loss provision to assets | 0.2149% | 889 |
| Net operating income to assets | 0.9010% | 2,874 |
| Return on assets (ROA) | 0.9043% | 2,976 |
| Pretax return on assets | 1.5071% | 1,631 |
| Return on Equity (ROE) | 9.8153% | 2,151 |
| Retained earnings to average equity (ytd only) | 9.8153% | 700 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7322% | 4,236 |
| Assets per employee ($millions) | 8.3655% | 453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6821% | 1,650 |
| 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 | 77.1822% | 1,184 |
| Net loans and leases to deposits | 92.5126% | 1,318 |
| Net loans and leases to core deposits | 109.5799% | 854 |
| Total domestic deposits to total assets | 83.4288% | 3,783 |
| Equity capital to assets | 9.1586% | 5,073 |
| Core capital (leverage) ratio | 9.6670% | 4,042 |
| Tier 1 risk-based capital ratio | 9.9508% | 6,103 |
| Total risk-based capital ratio | 11.2033% | 6,055 |
| Memoranda: | ||
| Average total assets | $349,011,000 | 1,902 |
| Average earning assets | $339,296,670 | 1,807 |
| Average equity | $32,154,000 | 2,214 |
| Average total loans | $278,265,670 | 1,570 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9914% | 3,258 |
| Cost of funding earning assets | 0.4452% | 2,822 |
| Net interest margin | 3.5462% | 3,238 |
| Noninterest income to average assets | 1.3735% | 612 |
| Noninterest expense to average assets | 3.0961% | 2,287 |
| Loan and lease loss provision to assets | 0.2328% | 743 |
| Net operating income to assets | 0.8954% | 2,761 |
| Return on assets (ROA) | 0.9021% | 2,858 |
| Pretax return on assets | 1.5038% | 1,556 |
| Return on Equity (ROE) | 9.7612% | 2,108 |
| Retained earnings to average equity (ytd only) | 9.7612% | 981 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2047% | 4,445 |
| Assets per employee ($millions) | 7.5147% | 670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6164% | 1,989 |
| 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 | 82.3442% | 425 |
| Net loans and leases to deposits | 103.2493% | 403 |
| Net loans and leases to core deposits | 120.6471% | 398 |
| Total domestic deposits to total assets | 79.7528% | 5,109 |
| Equity capital to assets | 9.5253% | 4,718 |
| Core capital (leverage) ratio | 9.4556% | 4,344 |
| Tier 1 risk-based capital ratio | 9.5753% | 6,263 |
| Total risk-based capital ratio | 10.8265% | 6,238 |
| Memoranda: | ||
| Average total assets | $343,659,000 | 1,938 |
| Average earning assets | $334,218,500 | 1,840 |
| Average equity | $31,758,500 | 2,246 |
| Average total loans | $276,205,500 | 1,583 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0452% | 3,542 |
| Cost of funding earning assets | 0.5321% | 2,364 |
| Net interest margin | 3.5132% | 3,744 |
| Noninterest income to average assets | 1.3380% | 683 |
| Noninterest expense to average assets | 3.0308% | 2,755 |
| Loan and lease loss provision to assets | 0.2751% | 780 |
| Net operating income to assets | 0.8701% | 3,020 |
| Return on assets (ROA) | 0.8701% | 3,113 |
| Pretax return on assets | 1.4502% | 1,720 |
| Return on Equity (ROE) | 9.6286% | 2,280 |
| Retained earnings to average equity (ytd only) | 9.6286% | 577 |
| Net charge-offs to loans | 0.0414% | 3,997 |
| Credit loss provision to net charge-offs | 847.6636% | 322 |
| Earnings coverage of net charge-offs (x) | 53.1682% | 884 |
| Efficiency ratio | 63.7251% | 4,625 |
| Assets per employee ($millions) | 8.3133% | 474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6241% | 2,015 |
| 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 | 75.8985% | 1,284 |
| Net loans and leases to deposits | 91.8068% | 1,306 |
| Net loans and leases to core deposits | 106.0780% | 1,016 |
| Total domestic deposits to total assets | 82.6720% | 4,190 |
| Equity capital to assets | 8.9662% | 5,327 |
| Core capital (leverage) ratio | 8.5574% | 5,487 |
| Tier 1 risk-based capital ratio | 10.4026% | 6,139 |
| Total risk-based capital ratio | 11.6551% | 6,081 |
| Memoranda: | ||
| Average total assets | $329,745,400 | 1,971 |
| Average earning assets | $320,822,000 | 1,865 |
| Average equity | $29,796,800 | 2,282 |
| Average total loans | $258,494,800 | 1,640 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0636% | 3,514 |
| Cost of funding earning assets | 0.5344% | 2,423 |
| Net interest margin | 3.5292% | 3,718 |
| Noninterest income to average assets | 1.3383% | 682 |
| Noninterest expense to average assets | 3.0471% | 2,648 |
| Loan and lease loss provision to assets | 0.2901% | 689 |
| Net operating income to assets | 0.8610% | 3,120 |
| Return on assets (ROA) | 0.8610% | 3,208 |
| Pretax return on assets | 1.4347% | 1,871 |
| Return on Equity (ROE) | 9.5082% | 2,444 |
| Retained earnings to average equity (ytd only) | 9.5082% | 836 |
| Net charge-offs to loans | 0.0558% | 3,422 |
| Credit loss provision to net charge-offs | 660.7477% | 451 |
| Earnings coverage of net charge-offs (x) | 39.2812% | 1,143 |
| Efficiency ratio | 63.8545% | 4,573 |
| Assets per employee ($millions) | 8.9331% | 348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6135% | 2,257 |
| 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 | 71.2443% | 1,981 |
| Net loans and leases to deposits | 85.7217% | 1,937 |
| Net loans and leases to core deposits | 100.7966% | 1,311 |
| Total domestic deposits to total assets | 83.1111% | 4,099 |
| Equity capital to assets | 8.5351% | 5,771 |
| Core capital (leverage) ratio | 8.9947% | 5,077 |
| Tier 1 risk-based capital ratio | 10.4382% | 6,227 |
| Total risk-based capital ratio | 11.6901% | 6,176 |
| Memoranda: | ||
| Average total assets | $324,892,500 | 2,013 |
| Average earning assets | $316,099,250 | 1,902 |
| Average equity | $29,419,500 | 2,318 |
| Average total loans | $255,773,500 | 1,664 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1676% | 3,075 |
| Cost of funding earning assets | 0.5487% | 2,360 |
| Net interest margin | 3.6189% | 3,286 |
| Noninterest income to average assets | 1.3665% | 647 |
| Noninterest expense to average assets | 3.1024% | 2,485 |
| Loan and lease loss provision to assets | 0.3343% | 556 |
| Net operating income to assets | 0.8724% | 2,949 |
| Return on assets (ROA) | 0.8724% | 3,036 |
| Pretax return on assets | 1.4538% | 1,701 |
| Return on Equity (ROE) | 9.4288% | 2,405 |
| Retained earnings to average equity (ytd only) | 9.4288% | 852 |
| Net charge-offs to loans | -0.0589% | 5,946 |
| Credit loss provision to net charge-offs | -700.0000% | 5,654 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4375% | 4,782 |
| Assets per employee ($millions) | 8.3605% | 429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6001% | 2,459 |
| Loan loss allowance to noncurrent loans | 1,429.7945% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.0896% | 5,890 |
| Noncurrent loans to loans | 0.1119% | 5,679 |
| Net loans and leases to total assets | 78.7431% | 821 |
| Net loans and leases to deposits | 96.6250% | 762 |
| Net loans and leases to core deposits | 116.7418% | 458 |
| Total domestic deposits to total assets | 81.4935% | 4,814 |
| Equity capital to assets | 9.1342% | 5,172 |
| Core capital (leverage) ratio | 9.7224% | 4,008 |
| Tier 1 risk-based capital ratio | 10.4671% | 6,260 |
| Total risk-based capital ratio | 11.7197% | 6,208 |
| Memoranda: | ||
| Average total assets | $314,082,000 | 2,080 |
| Average earning assets | $305,835,330 | 1,973 |
| Average equity | $29,060,000 | 2,333 |
| Average total loans | $254,782,000 | 1,663 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2187% | 2,806 |
| Cost of funding earning assets | 0.5764% | 2,186 |
| Net interest margin | 3.6423% | 3,089 |
| Noninterest income to average assets | 1.3373% | 644 |
| Noninterest expense to average assets | 3.1068% | 2,510 |
| Loan and lease loss provision to assets | 0.3570% | 493 |
| Net operating income to assets | 0.8504% | 2,893 |
| Return on assets (ROA) | 0.8504% | 2,966 |
| Pretax return on assets | 1.4178% | 1,685 |
| Return on Equity (ROE) | 9.1294% | 2,400 |
| Retained earnings to average equity (ytd only) | 9.1294% | 1,209 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6436% | 4,916 |
| Assets per employee ($millions) | 7.8424% | 525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5217% | 3,057 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 81.4640% | 401 |
| Net loans and leases to deposits | 100.8316% | 406 |
| Net loans and leases to core deposits | 119.7394% | 330 |
| Total domestic deposits to total assets | 80.7921% | 5,293 |
| Equity capital to assets | 9.4937% | 4,510 |
| Core capital (leverage) ratio | 9.2996% | 4,577 |
| Tier 1 risk-based capital ratio | 10.4676% | 6,344 |
| Total risk-based capital ratio | 11.7189% | 6,306 |
| Memoranda: | ||
| Average total assets | $308,093,500 | 2,123 |
| Average earning assets | $299,807,000 | 2,011 |
| Average equity | $28,698,500 | 2,351 |
| Average total loans | $251,711,000 | 1,689 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5816% | 1,926 |
| Cost of funding earning assets | 0.6461% | 2,237 |
| Net interest margin | 3.9355% | 2,159 |
| Noninterest income to average assets | 1.3164% | 798 |
| Noninterest expense to average assets | 3.1870% | 2,455 |
| Loan and lease loss provision to assets | 0.5115% | 543 |
| Net operating income to assets | 0.8532% | 3,016 |
| Return on assets (ROA) | 0.8532% | 3,092 |
| Pretax return on assets | 1.4219% | 1,712 |
| Return on Equity (ROE) | 8.9537% | 2,552 |
| Retained earnings to average equity (ytd only) | 8.9537% | 781 |
| Net charge-offs to loans | 0.3964% | 1,704 |
| Credit loss provision to net charge-offs | 154.0107% | 1,504 |
| Earnings coverage of net charge-offs (x) | 5.8214% | 3,204 |
| Efficiency ratio | 62.2407% | 5,171 |
| Assets per employee ($millions) | 8.6204% | 378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4277% | 3,521 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2900% | 5,390 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 79.5391% | 643 |
| Net loans and leases to deposits | 99.2325% | 517 |
| Net loans and leases to core deposits | 117.1304% | 394 |
| Total domestic deposits to total assets | 80.1542% | 5,409 |
| Equity capital to assets | 9.1386% | 4,883 |
| Core capital (leverage) ratio | 9.4647% | 4,317 |
| Tier 1 risk-based capital ratio | 10.2682% | 6,444 |
| Total risk-based capital ratio | 11.5186% | 6,398 |
| Memoranda: | ||
| Average total assets | $281,517,600 | 2,258 |
| Average earning assets | $272,111,000 | 2,164 |
| Average equity | $26,827,000 | 2,480 |
| Average total loans | $235,854,000 | 1,753 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6565% | 1,736 |
| Cost of funding earning assets | 0.6635% | 2,229 |
| Net interest margin | 3.9930% | 1,969 |
| Noninterest income to average assets | 1.3741% | 770 |
| Noninterest expense to average assets | 3.3008% | 2,080 |
| Loan and lease loss provision to assets | 0.5298% | 506 |
| Net operating income to assets | 0.8394% | 3,146 |
| Return on assets (ROA) | 0.8394% | 3,276 |
| Pretax return on assets | 1.3989% | 1,928 |
| Return on Equity (ROE) | 8.7076% | 2,788 |
| Retained earnings to average equity (ytd only) | 8.7076% | 1,156 |
| Net charge-offs to loans | 0.5368% | 1,186 |
| Credit loss provision to net charge-offs | 116.5775% | 2,023 |
| Earnings coverage of net charge-offs (x) | 4.2438% | 3,490 |
| Efficiency ratio | 63.1192% | 4,964 |
| Assets per employee ($millions) | 7.4499% | 595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2959% | 4,415 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3621% | 5,327 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 86.7649% | 116 |
| Net loans and leases to deposits | 113.6272% | 116 |
| Net loans and leases to core deposits | 137.4066% | 130 |
| Total domestic deposits to total assets | 76.3593% | 6,131 |
| Equity capital to assets | 9.7787% | 4,210 |
| Core capital (leverage) ratio | 10.0404% | 3,623 |
| Tier 1 risk-based capital ratio | 10.1979% | 6,541 |
| Total risk-based capital ratio | 11.3870% | 6,532 |
| Memoranda: | ||
| Average total assets | $274,313,750 | 2,319 |
| Average earning assets | $264,856,000 | 2,224 |
| Average equity | $26,443,750 | 2,536 |
| Average total loans | $232,214,750 | 1,775 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6363% | 1,735 |
| Cost of funding earning assets | 0.6740% | 2,273 |
| Net interest margin | 3.9623% | 1,997 |
| Noninterest income to average assets | 1.3575% | 850 |
| Noninterest expense to average assets | 3.3097% | 2,046 |
| Loan and lease loss provision to assets | 0.4650% | 615 |
| Net operating income to assets | 0.8453% | 3,071 |
| Return on assets (ROA) | 0.8453% | 3,221 |
| Pretax return on assets | 1.4083% | 1,903 |
| Return on Equity (ROE) | 8.8127% | 2,704 |
| Retained earnings to average equity (ytd only) | 8.8127% | 1,183 |
| Net charge-offs to loans | 0.5523% | 1,195 |
| Credit loss provision to net charge-offs | 100.7987% | 2,187 |
| Earnings coverage of net charge-offs (x) | 4.0607% | 3,225 |
| Efficiency ratio | 63.8561% | 4,887 |
| Assets per employee ($millions) | 7.3004% | 627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2590% | 4,701 |
| Loan loss allowance to noncurrent loans | 250.0000% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 0.4434% | 5,169 |
| Noncurrent loans to loans | 0.5036% | 5,011 |
| Net loans and leases to total assets | 86.9362% | 120 |
| Net loans and leases to deposits | 118.4105% | 74 |
| Net loans and leases to core deposits | 144.0642% | 113 |
| Total domestic deposits to total assets | 73.4193% | 6,477 |
| Equity capital to assets | 9.7907% | 4,191 |
| Core capital (leverage) ratio | 10.3449% | 3,051 |
| Tier 1 risk-based capital ratio | 10.2022% | 6,591 |
| Total risk-based capital ratio | 11.3612% | 6,583 |
| Memoranda: | ||
| Average total assets | $271,386,330 | 2,357 |
| Average earning assets | $262,020,670 | 2,250 |
| Average equity | $26,030,670 | 2,582 |
| Average total loans | $226,668,670 | 1,812 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6506% | 1,671 |
| Cost of funding earning assets | 0.6732% | 2,460 |
| Net interest margin | 3.9774% | 1,873 |
| Noninterest income to average assets | 1.2967% | 912 |
| Noninterest expense to average assets | 3.3178% | 2,043 |
| Loan and lease loss provision to assets | 0.4695% | 589 |
| Net operating income to assets | 0.8093% | 3,106 |
| Return on assets (ROA) | 0.8093% | 3,240 |
| Pretax return on assets | 1.3489% | 2,048 |
| Return on Equity (ROE) | 8.5292% | 2,701 |
| Retained earnings to average equity (ytd only) | 8.5292% | 1,549 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5966% | 4,905 |
| Assets per employee ($millions) | 7.9694% | 495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5211% | 3,732 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 83.3321% | 219 |
| Net loans and leases to deposits | 108.6297% | 147 |
| Net loans and leases to core deposits | 132.3160% | 162 |
| Total domestic deposits to total assets | 76.7120% | 6,277 |
| Equity capital to assets | 10.0799% | 4,041 |
| Core capital (leverage) ratio | 10.1621% | 3,197 |
| Tier 1 risk-based capital ratio | 10.8173% | 6,480 |
| Total risk-based capital ratio | 12.0691% | 6,451 |
| Memoranda: | ||
| Average total assets | $268,371,500 | 2,408 |
| Average earning assets | $259,063,500 | 2,296 |
| Average equity | $25,465,500 | 2,664 |
| Average total loans | $217,878,000 | 1,884 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8639% | 1,968 |
| Cost of funding earning assets | 0.8833% | 2,052 |
| Net interest margin | 3.9806% | 2,476 |
| Noninterest income to average assets | 1.3077% | 897 |
| Noninterest expense to average assets | 3.3855% | 2,089 |
| Loan and lease loss provision to assets | 0.3269% | 2,082 |
| Net operating income to assets | 0.8499% | 3,046 |
| Return on assets (ROA) | 0.8499% | 3,296 |
| Pretax return on assets | 1.4166% | 1,980 |
| Return on Equity (ROE) | 9.0511% | 2,619 |
| Retained earnings to average equity (ytd only) | 9.0511% | 805 |
| Net charge-offs to loans | 0.0861% | 4,818 |
| Credit loss provision to net charge-offs | 466.2791% | 519 |
| Earnings coverage of net charge-offs (x) | 24.8663% | 1,158 |
| Efficiency ratio | 66.0070% | 4,507 |
| Assets per employee ($millions) | 7.8215% | 544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4399% | 3,979 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 76.7648% | 827 |
| Net loans and leases to deposits | 93.6350% | 774 |
| Net loans and leases to core deposits | 114.8056% | 390 |
| Total domestic deposits to total assets | 81.9830% | 5,106 |
| Equity capital to assets | 8.9212% | 5,611 |
| Core capital (leverage) ratio | 9.0272% | 4,856 |
| Tier 1 risk-based capital ratio | 10.2560% | 6,636 |
| Total risk-based capital ratio | 11.5061% | 6,597 |
| Memoranda: | ||
| Average total assets | $245,309,400 | 2,570 |
| Average earning assets | $235,490,000 | 2,451 |
| Average equity | $23,035,800 | 2,847 |
| Average total loans | $199,694,800 | 2,010 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9396% | 1,863 |
| Cost of funding earning assets | 0.9149% | 2,072 |
| Net interest margin | 4.0247% | 2,397 |
| Noninterest income to average assets | 1.2684% | 917 |
| Noninterest expense to average assets | 3.4195% | 1,960 |
| Loan and lease loss provision to assets | 0.3286% | 1,998 |
| Net operating income to assets | 0.8273% | 3,313 |
| Return on assets (ROA) | 0.8273% | 3,557 |
| Pretax return on assets | 1.3786% | 2,309 |
| Return on Equity (ROE) | 8.6853% | 2,956 |
| Retained earnings to average equity (ytd only) | 8.6853% | 1,351 |
| Net charge-offs to loans | 0.1168% | 4,212 |
| Credit loss provision to net charge-offs | 341.2791% | 782 |
| Earnings coverage of net charge-offs (x) | 17.7324% | 1,606 |
| Efficiency ratio | 66.6994% | 4,313 |
| Assets per employee ($millions) | 7.5223% | 587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3887% | 4,425 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 77.0008% | 847 |
| Net loans and leases to deposits | 94.2469% | 773 |
| Net loans and leases to core deposits | 116.3012% | 380 |
| Total domestic deposits to total assets | 81.7012% | 5,126 |
| Equity capital to assets | 9.0334% | 5,795 |
| Core capital (leverage) ratio | 9.1230% | 4,875 |
| Tier 1 risk-based capital ratio | 10.4926% | 6,668 |
| Total risk-based capital ratio | 11.7427% | 6,652 |
| Memoranda: | ||
| Average total assets | $238,198,500 | 2,672 |
| Average earning assets | $228,351,250 | 2,544 |
| Average equity | $22,689,250 | 2,911 |
| Average total loans | $196,314,500 | 2,061 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0683% | 1,599 |
| Cost of funding earning assets | 0.9521% | 2,052 |
| Net interest margin | 4.1162% | 2,025 |
| Noninterest income to average assets | 1.2783% | 871 |
| Noninterest expense to average assets | 3.5225% | 1,737 |
| Loan and lease loss provision to assets | 0.2436% | 2,629 |
| Net operating income to assets | 0.8728% | 3,030 |
| Return on assets (ROA) | 0.8728% | 3,289 |
| Pretax return on assets | 1.4549% | 1,991 |
| Return on Equity (ROE) | 8.9856% | 2,821 |
| Retained earnings to average equity (ytd only) | 8.9856% | 1,281 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4667% | 4,241 |
| Assets per employee ($millions) | 7.4016% | 609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3571% | 4,632 |
| 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 | 80.9430% | 413 |
| Net loans and leases to deposits | 102.9103% | 309 |
| Net loans and leases to core deposits | 126.6585% | 239 |
| Total domestic deposits to total assets | 78.6540% | 6,029 |
| Equity capital to assets | 9.5094% | 5,045 |
| Core capital (leverage) ratio | 9.8374% | 3,664 |
| Tier 1 risk-based capital ratio | 10.6584% | 6,636 |
| Total risk-based capital ratio | 11.9069% | 6,623 |
| Memoranda: | ||
| Average total assets | $229,838,330 | 2,752 |
| Average earning assets | $220,154,670 | 2,647 |
| Average equity | $22,324,670 | 2,947 |
| Average total loans | $193,225,330 | 2,086 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1023% | 1,566 |
| Cost of funding earning assets | 0.9454% | 2,338 |
| Net interest margin | 4.1569% | 1,911 |
| Noninterest income to average assets | 1.3152% | 827 |
| Noninterest expense to average assets | 3.5646% | 1,641 |
| Loan and lease loss provision to assets | 0.2336% | 2,605 |
| Net operating income to assets | 0.8983% | 2,927 |
| Return on assets (ROA) | 0.8983% | 3,148 |
| Pretax return on assets | 1.4984% | 1,871 |
| Return on Equity (ROE) | 9.1435% | 2,766 |
| Retained earnings to average equity (ytd only) | 9.1435% | 1,535 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2999% | 4,300 |
| Assets per employee ($millions) | 7.0535% | 742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3378% | 4,848 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 83.9711% | 185 |
| Net loans and leases to deposits | 107.2517% | 180 |
| Net loans and leases to core deposits | 135.2177% | 165 |
| Total domestic deposits to total assets | 78.2935% | 6,228 |
| Equity capital to assets | 10.0323% | 4,087 |
| Core capital (leverage) ratio | 10.1902% | 3,119 |
| Tier 1 risk-based capital ratio | 10.9614% | 6,556 |
| Total risk-based capital ratio | 12.2032% | 6,547 |
| Memoranda: | ||
| Average total assets | $222,631,500 | 2,856 |
| Average earning assets | $213,238,000 | 2,733 |
| Average equity | $21,873,500 | 2,989 |
| Average total loans | $189,625,500 | 2,132 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2328% | 1,937 |
| Cost of funding earning assets | 1.0949% | 2,704 |
| Net interest margin | 4.1379% | 2,276 |
| Noninterest income to average assets | 1.2708% | 797 |
| Noninterest expense to average assets | 3.7536% | 1,432 |
| Loan and lease loss provision to assets | 0.1944% | 4,237 |
| Net operating income to assets | 0.7527% | 3,251 |
| Return on assets (ROA) | 0.7565% | 3,395 |
| Pretax return on assets | 1.2823% | 2,199 |
| Return on Equity (ROE) | 7.8138% | 3,004 |
| Retained earnings to average equity (ytd only) | 7.8138% | 1,149 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8497% | 3,605 |
| Assets per employee ($millions) | 6.8610% | 789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3038% | 4,883 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 84.1300% | 206 |
| Net loans and leases to deposits | 108.6734% | 197 |
| Net loans and leases to core deposits | 136.1849% | 190 |
| Total domestic deposits to total assets | 77.4154% | 6,279 |
| Equity capital to assets | 9.6118% | 4,728 |
| Core capital (leverage) ratio | 9.7421% | 3,684 |
| Tier 1 risk-based capital ratio | 10.4694% | 6,699 |
| Total risk-based capital ratio | 11.6771% | 6,697 |
| Memoranda: | ||
| Average total assets | $200,661,400 | 3,049 |
| Average earning assets | $191,713,800 | 2,949 |
| Average equity | $19,427,200 | 3,223 |
| Average total loans | $168,990,400 | 2,382 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2348% | 2,079 |
| Cost of funding earning assets | 1.1358% | 2,730 |
| Net interest margin | 4.0990% | 2,483 |
| Noninterest income to average assets | 1.2779% | 792 |
| Noninterest expense to average assets | 3.8467% | 1,240 |
| Loan and lease loss provision to assets | 0.2075% | 3,941 |
| Net operating income to assets | 0.6698% | 3,773 |
| Return on assets (ROA) | 0.6750% | 3,921 |
| Pretax return on assets | 1.1486% | 2,829 |
| Return on Equity (ROE) | 6.9582% | 3,545 |
| Retained earnings to average equity (ytd only) | 6.9582% | 1,991 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0503% | 3,173 |
| Assets per employee ($millions) | 6.3427% | 1,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3212% | 4,913 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 86.6579% | 115 |
| Net loans and leases to deposits | 117.3495% | 100 |
| Net loans and leases to core deposits | 149.5930% | 136 |
| Total domestic deposits to total assets | 73.8460% | 6,777 |
| Equity capital to assets | 10.1396% | 4,167 |
| Core capital (leverage) ratio | 10.1319% | 3,271 |
| Tier 1 risk-based capital ratio | 10.8340% | 6,642 |
| Total risk-based capital ratio | 12.0729% | 6,629 |
| Memoranda: | ||
| Average total assets | $195,938,750 | 3,118 |
| Average earning assets | $187,228,000 | 3,010 |
| Average equity | $19,008,250 | 3,285 |
| Average total loans | $164,450,750 | 2,450 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1548% | 2,443 |
| Cost of funding earning assets | 1.1456% | 2,926 |
| Net interest margin | 4.0092% | 2,792 |
| Noninterest income to average assets | 1.2407% | 819 |
| Noninterest expense to average assets | 3.8307% | 1,306 |
| Loan and lease loss provision to assets | 0.2273% | 3,644 |
| Net operating income to assets | 0.5964% | 4,080 |
| Return on assets (ROA) | 0.6044% | 4,183 |
| Pretax return on assets | 1.0310% | 3,116 |
| Return on Equity (ROE) | 6.3297% | 3,780 |
| Retained earnings to average equity (ytd only) | 6.3297% | 2,226 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4579% | 3,108 |
| Assets per employee ($millions) | 6.4636% | 943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3488% | 4,836 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 82.8575% | 313 |
| Net loans and leases to deposits | 112.4382% | 147 |
| Net loans and leases to core deposits | 142.5490% | 174 |
| Total domestic deposits to total assets | 73.6916% | 6,872 |
| Equity capital to assets | 10.0567% | 4,071 |
| Core capital (leverage) ratio | 10.0494% | 3,203 |
| Tier 1 risk-based capital ratio | 11.3731% | 6,269 |
| Total risk-based capital ratio | 12.6229% | 6,258 |
| Memoranda: | ||
| Average total assets | $193,596,000 | 3,177 |
| Average earning assets | $185,223,670 | 3,055 |
| Average equity | $18,484,330 | 3,337 |
| Average total loans | $159,853,670 | 2,539 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0054% | 3,089 |
| Cost of funding earning assets | 1.1384% | 3,240 |
| Net interest margin | 3.8670% | 3,314 |
| Noninterest income to average assets | 1.2386% | 826 |
| Noninterest expense to average assets | 3.8274% | 1,296 |
| Loan and lease loss provision to assets | 0.2313% | 3,339 |
| Net operating income to assets | 0.5236% | 4,387 |
| Return on assets (ROA) | 0.5236% | 4,472 |
| Pretax return on assets | 0.8875% | 3,551 |
| Return on Equity (ROE) | 5.6427% | 4,093 |
| Retained earnings to average equity (ytd only) | 5.6427% | 2,829 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3810% | 2,930 |
| Assets per employee ($millions) | 6.4745% | 941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3416% | 4,931 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 81.7758% | 360 |
| Net loans and leases to deposits | 105.9959% | 251 |
| Net loans and leases to core deposits | 132.5561% | 243 |
| Total domestic deposits to total assets | 77.1500% | 6,505 |
| Equity capital to assets | 9.1600% | 4,937 |
| Core capital (leverage) ratio | 9.4449% | 3,893 |
| Tier 1 risk-based capital ratio | 10.5783% | 6,762 |
| Total risk-based capital ratio | 11.8184% | 6,760 |
| Memoranda: | ||
| Average total assets | $190,207,500 | 3,246 |
| Average earning assets | $182,364,500 | 3,107 |
| Average equity | $17,651,000 | 3,460 |
| Average total loans | $155,633,500 | 2,619 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1684% | 3,757 |
| Cost of funding earning assets | 1.2926% | 3,930 |
| Net interest margin | 3.8758% | 3,608 |
| Noninterest income to average assets | 1.1585% | 1,099 |
| Noninterest expense to average assets | 3.8507% | 1,387 |
| Loan and lease loss provision to assets | 0.2462% | 4,825 |
| Net operating income to assets | 0.4564% | 4,282 |
| Return on assets (ROA) | 0.4564% | 4,454 |
| Pretax return on assets | 0.7474% | 3,805 |
| Return on Equity (ROE) | 4.5750% | 4,262 |
| Retained earnings to average equity (ytd only) | 4.5750% | 2,676 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4894% | 2,483 |
| Assets per employee ($millions) | 6.4200% | 977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3642% | 4,678 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 79.6110% | 714 |
| Net loans and leases to deposits | 102.3987% | 467 |
| Net loans and leases to core deposits | 129.4048% | 340 |
| Total domestic deposits to total assets | 77.7461% | 6,364 |
| Equity capital to assets | 9.4049% | 4,541 |
| Core capital (leverage) ratio | 9.4862% | 3,718 |
| Tier 1 risk-based capital ratio | 11.3234% | 6,068 |
| Total risk-based capital ratio | 12.5260% | 6,096 |
| Memoranda: | ||
| Average total assets | $169,788,600 | 3,542 |
| Average earning assets | $161,463,200 | 3,419 |
| Average equity | $16,940,000 | 3,603 |
| Average total loans | $138,595,600 | 2,975 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1272% | 4,182 |
| Cost of funding earning assets | 1.3324% | 4,025 |
| Net interest margin | 3.7948% | 3,987 |
| Noninterest income to average assets | 1.1628% | 1,031 |
| Noninterest expense to average assets | 3.9277% | 1,163 |
| Loan and lease loss provision to assets | 0.3203% | 4,026 |
| Net operating income to assets | 0.3106% | 5,124 |
| Return on assets (ROA) | 0.3106% | 5,297 |
| Pretax return on assets | 0.5086% | 4,895 |
| Return on Equity (ROE) | 3.0638% | 5,194 |
| Retained earnings to average equity (ytd only) | 3.0638% | 4,291 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5749% | 2,000 |
| Assets per employee ($millions) | 5.8867% | 1,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3987% | 4,472 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 83.8274% | 341 |
| Net loans and leases to deposits | 110.2053% | 249 |
| Net loans and leases to core deposits | 145.6105% | 215 |
| Total domestic deposits to total assets | 76.0648% | 6,641 |
| Equity capital to assets | 10.0167% | 4,141 |
| Core capital (leverage) ratio | 9.7329% | 3,574 |
| Tier 1 risk-based capital ratio | 11.2811% | 6,115 |
| Total risk-based capital ratio | 12.5297% | 6,114 |
| Memoranda: | ||
| Average total assets | $165,691,000 | 3,657 |
| Average earning assets | $156,911,250 | 3,553 |
| Average equity | $16,797,500 | 3,680 |
| Average total loans | $135,677,250 | 3,060 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0247% | 4,826 |
| Cost of funding earning assets | 1.3288% | 4,351 |
| Net interest margin | 3.6959% | 4,381 |
| Noninterest income to average assets | 1.0767% | 1,156 |
| Noninterest expense to average assets | 3.9240% | 1,151 |
| Loan and lease loss provision to assets | 0.3756% | 3,462 |
| Net operating income to assets | 0.1615% | 5,688 |
| Return on assets (ROA) | 0.1646% | 5,795 |
| Pretax return on assets | 0.2719% | 5,587 |
| Return on Equity (ROE) | 1.6171% | 5,752 |
| Retained earnings to average equity (ytd only) | 1.6171% | 5,055 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9279% | 1,713 |
| Assets per employee ($millions) | 6.2252% | 1,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3432% | 4,716 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 81.7465% | 563 |
| Net loans and leases to deposits | 107.0227% | 348 |
| Net loans and leases to core deposits | 137.7451% | 308 |
| Total domestic deposits to total assets | 76.3823% | 6,614 |
| Equity capital to assets | 9.6491% | 4,471 |
| Core capital (leverage) ratio | 10.3166% | 2,809 |
| Tier 1 risk-based capital ratio | 10.9761% | 6,258 |
| Total risk-based capital ratio | 12.2243% | 6,252 |
| Memoranda: | ||
| Average total assets | $164,016,330 | 3,706 |
| Average earning assets | $154,875,330 | 3,621 |
| Average equity | $16,696,670 | 3,684 |
| Average total loans | $132,524,330 | 3,160 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9874% | 5,072 |
| Cost of funding earning assets | 1.2661% | 5,035 |
| Net interest margin | 3.7212% | 4,143 |
| Noninterest income to average assets | 1.0524% | 1,146 |
| Noninterest expense to average assets | 4.0360% | 979 |
| Loan and lease loss provision to assets | 0.4230% | 2,841 |
| Net operating income to assets | 0.0666% | 6,114 |
| Return on assets (ROA) | 0.0730% | 6,209 |
| Pretax return on assets | 0.1259% | 6,071 |
| Return on Equity (ROE) | 0.6973% | 6,209 |
| Retained earnings to average equity (ytd only) | 0.6973% | 5,544 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2223% | 1,566 |
| Assets per employee ($millions) | 6.0881% | 1,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3535% | 4,659 |
| 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 | 79.8070% | 865 |
| Net loans and leases to deposits | 108.6561% | 324 |
| Net loans and leases to core deposits | 153.1152% | 224 |
| Total domestic deposits to total assets | 73.4492% | 7,113 |
| Equity capital to assets | 10.1339% | 3,697 |
| Core capital (leverage) ratio | 10.6412% | 2,505 |
| Tier 1 risk-based capital ratio | 11.6474% | 5,530 |
| Total risk-based capital ratio | 12.8974% | 5,492 |
| Memoranda: | ||
| Average total assets | $158,871,500 | 3,867 |
| Average earning assets | $150,380,000 | 3,748 |
| Average equity | $16,635,500 | 3,729 |
| Average total loans | $126,572,000 | 3,335 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8977% | 6,715 |
| Cost of funding earning assets | 1.2594% | 6,442 |
| Net interest margin | 3.6383% | 4,393 |
| Noninterest income to average assets | 0.9440% | 1,775 |
| Noninterest expense to average assets | 4.8071% | 606 |
| Loan and lease loss provision to assets | 0.5111% | 3,820 |
| Net operating income to assets | -0.6007% | 6,267 |
| Return on assets (ROA) | -0.6007% | 6,264 |
| Pretax return on assets | -0.9279% | 6,365 |
| Return on Equity (ROE) | -4.6567% | 6,182 |
| Retained earnings to average equity (ytd only) | -4.6567% | 5,980 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.4939% | 806 |
| Assets per employee ($millions) | 5.8986% | 1,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3582% | 4,437 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 77.2841% | 1,527 |
| Net loans and leases to deposits | 108.9443% | 420 |
| Net loans and leases to core deposits | 148.4191% | 549 |
| Total domestic deposits to total assets | 70.9391% | 7,347 |
| Equity capital to assets | 10.8324% | 2,838 |
| Core capital (leverage) ratio | 10.2273% | 2,856 |
| Tier 1 risk-based capital ratio | 11.3633% | 5,549 |
| Total risk-based capital ratio | 12.5443% | 5,572 |
| Memoranda: | ||
| Average total assets | $130,515,000 | 4,324 |
| Average earning assets | $123,628,400 | 4,226 |
| Average equity | $16,836,000 | 3,704 |
| Average total loans | $98,942,600 | 3,984 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7275% | 7,241 |
| Cost of funding earning assets | 1.2289% | 6,805 |
| Net interest margin | 3.4986% | 4,870 |
| Noninterest income to average assets | 0.9113% | 1,932 |
| Noninterest expense to average assets | 5.0393% | 470 |
| Loan and lease loss provision to assets | 0.5310% | 3,259 |
| Net operating income to assets | -0.8664% | 6,741 |
| Return on assets (ROA) | -0.8664% | 6,736 |
| Pretax return on assets | -1.3440% | 6,884 |
| Return on Equity (ROE) | -6.4014% | 6,597 |
| Retained earnings to average equity (ytd only) | -6.4014% | 6,434 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.2366% | 595 |
| Assets per employee ($millions) | 5.7318% | 1,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2788% | 4,624 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 75.7361% | 2,051 |
| Net loans and leases to deposits | 101.8536% | 936 |
| Net loans and leases to core deposits | 135.5186% | 1,123 |
| Total domestic deposits to total assets | 74.3578% | 6,885 |
| Equity capital to assets | 11.1093% | 2,913 |
| Core capital (leverage) ratio | 11.0858% | 2,346 |
| Tier 1 risk-based capital ratio | 11.0101% | 5,944 |
| Total risk-based capital ratio | 12.0720% | 6,094 |
| Memoranda: | ||
| Average total assets | $124,802,750 | 4,481 |
| Average earning assets | $118,255,500 | 4,378 |
| Average equity | $16,891,750 | 3,726 |
| Average total loans | $93,638,750 | 4,159 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6597% | 7,450 |
| Cost of funding earning assets | 1.2158% | 7,060 |
| Net interest margin | 3.4439% | 5,009 |
| Noninterest income to average assets | 0.9047% | 1,964 |
| Noninterest expense to average assets | 5.2515% | 440 |
| Loan and lease loss provision to assets | 0.5860% | 2,687 |
| Net operating income to assets | -1.0846% | 7,043 |
| Return on assets (ROA) | -1.0846% | 7,042 |
| Pretax return on assets | -1.6860% | 7,166 |
| Return on Equity (ROE) | -7.4455% | 6,846 |
| Retained earnings to average equity (ytd only) | -7.4455% | 6,613 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.4961% | 562 |
| Assets per employee ($millions) | 5.1838% | 1,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2981% | 4,288 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 76.6812% | 2,020 |
| Net loans and leases to deposits | 102.7482% | 1,018 |
| Net loans and leases to core deposits | 119.3163% | 2,426 |
| Total domestic deposits to total assets | 74.6302% | 6,836 |
| Equity capital to assets | 12.8971% | 1,737 |
| Core capital (leverage) ratio | 13.0979% | 1,397 |
| Tier 1 risk-based capital ratio | 14.7361% | 3,129 |
| Total risk-based capital ratio | 15.9864% | 3,065 |
| Memoranda: | ||
| Average total assets | $116,727,670 | 4,714 |
| Average earning assets | $110,050,670 | 4,620 |
| Average equity | $17,003,670 | 3,711 |
| Average total loans | $86,741,670 | 4,369 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5970% | 7,623 |
| Cost of funding earning assets | 1.2189% | 7,255 |
| Net interest margin | 3.3781% | 5,223 |
| Noninterest income to average assets | 0.8704% | 1,986 |
| Noninterest expense to average assets | 5.2841% | 404 |
| Loan and lease loss provision to assets | 0.5440% | 2,296 |
| Net operating income to assets | -1.1533% | 7,336 |
| Return on assets (ROA) | -1.1533% | 7,347 |
| Pretax return on assets | -1.7916% | 7,469 |
| Return on Equity (ROE) | -7.4176% | 7,184 |
| Retained earnings to average equity (ytd only) | -7.4176% | 6,844 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 130.9075% | 497 |
| Assets per employee ($millions) | 4.6892% | 2,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3336% | 3,897 |
| 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 | 73.2993% | 2,936 |
| Net loans and leases to deposits | 103.3618% | 1,061 |
| Net loans and leases to core deposits | 122.3231% | 2,231 |
| Total domestic deposits to total assets | 70.9152% | 7,337 |
| Equity capital to assets | 15.1057% | 1,074 |
| Core capital (leverage) ratio | 15.1838% | 928 |
| Tier 1 risk-based capital ratio | 16.5336% | 2,501 |
| Total risk-based capital ratio | 17.6941% | 2,477 |
| Memoranda: | ||
| Average total assets | $110,294,000 | 4,897 |
| Average earning assets | $103,372,500 | 4,823 |
| Average equity | $17,148,500 | 3,708 |
| Average total loans | $79,771,500 | 4,624 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0307% | 8,173 |
| Cost of funding earning assets | 0.9162% | 8,085 |
| Net interest margin | 2.1145% | 8,012 |
| Noninterest income to average assets | 0.5051% | 4,586 |
| Noninterest expense to average assets | 4.8306% | 695 |
| Loan and lease loss provision to assets | 1.3069% | 1,086 |
| Net operating income to assets | -2.4052% | 7,684 |
| Return on assets (ROA) | -2.4052% | 7,651 |
| Pretax return on assets | -3.6728% | 7,840 |
| Return on Equity (ROE) | -9.9734% | 7,280 |
| Retained earnings to average equity (ytd only) | -9.9734% | 7,071 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 195.9890% | 206 |
| Assets per employee ($millions) | 4.5020% | 2,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2708% | 3,985 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 69.3877% | 4,173 |
| Net loans and leases to deposits | 96.4146% | 2,383 |
| Net loans and leases to core deposits | 112.0306% | 3,561 |
| Total domestic deposits to total assets | 71.9680% | 7,003 |
| Equity capital to assets | 16.0086% | 929 |
| Core capital (leverage) ratio | 17.9156% | 612 |
| Tier 1 risk-based capital ratio | 19.1047% | 1,790 |
| Total risk-based capital ratio | 20.2314% | 1,774 |
| Memoranda: | ||
| Average total assets | $73,841,000 | 5,917 |
| Average earning assets | $68,433,000 | 5,875 |
| Average equity | $17,807,330 | 3,588 |
| Average total loans | $54,955,000 | 5,489 |