Home > Summit Bank > Performance and Condition Ratios
Summit Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7933% | 842 |
| Cost of funding earning assets | 0.4774% | 4,217 |
| Net interest margin | 5.3160% | 232 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 2.5996% | 2,000 |
| Loan and lease loss provision to assets | 0.3100% | 350 |
| Net operating income to assets | 1.6390% | 812 |
| Return on assets (ROA) | 1.6390% | 781 |
| Pretax return on assets | 2.3223% | 420 |
| Return on Equity (ROE) | 12.8500% | 1,768 |
| Retained earnings to average equity (ytd only) | 10.5126% | 905 |
| Net charge-offs to loans | -0.0254% | 4,235 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 49.6614% | 4,002 |
| Assets per employee ($millions) | 9.6503% | 788 |
| Cash dividends to net income (ytd only)* | 18.1752% | 2,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2325% | 99 |
| 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 | 56.2000% | 3,173 |
| Net loans and leases to deposits | 67.7088% | 3,057 |
| Net loans and leases to core deposits | 76.0380% | 2,976 |
| Total domestic deposits to total assets | 83.0100% | 2,890 |
| Equity capital to assets | 14.1880% | 646 |
| Core capital (leverage) ratio | 14.0553% | 793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8416% | 549 |
| Memoranda: | ||
| Average total assets | $335,700,600 | 2,245 |
| Average earning assets | $312,963,200 | 2,234 |
| Average equity | $42,825,000 | 1,793 |
| Average total loans | $196,465,800 | 2,308 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6791% | 816 |
| Cost of funding earning assets | 0.4099% | 4,241 |
| Net interest margin | 5.2693% | 232 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 2.5634% | 2,050 |
| Loan and lease loss provision to assets | 0.2900% | 324 |
| Net operating income to assets | 1.6576% | 850 |
| Return on assets (ROA) | 1.6576% | 845 |
| Pretax return on assets | 2.3426% | 454 |
| Return on Equity (ROE) | 13.3400% | 1,837 |
| Retained earnings to average equity (ytd only) | 10.1871% | 1,352 |
| Net charge-offs to loans | -0.0334% | 4,273 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 49.2949% | 3,961 |
| Assets per employee ($millions) | 10.0058% | 664 |
| Cash dividends to net income (ytd only)* | 23.6574% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9523% | 125 |
| 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 | 56.5400% | 3,150 |
| Net loans and leases to deposits | 67.3301% | 3,029 |
| Net loans and leases to core deposits | 75.1369% | 2,923 |
| Total domestic deposits to total assets | 83.9700% | 2,785 |
| Equity capital to assets | 13.2975% | 760 |
| Core capital (leverage) ratio | 13.2837% | 995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2880% | 671 |
| Memoranda: | ||
| Average total assets | $340,011,000 | 2,235 |
| Average earning assets | $317,175,750 | 2,220 |
| Average equity | $42,235,500 | 1,792 |
| Average total loans | $199,340,250 | 2,290 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6140% | 716 |
| Cost of funding earning assets | 0.3142% | 4,292 |
| Net interest margin | 5.2997% | 213 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 2.5518% | 2,062 |
| Loan and lease loss provision to assets | 0.2600% | 365 |
| Net operating income to assets | 1.6913% | 798 |
| Return on assets (ROA) | 1.6913% | 801 |
| Pretax return on assets | 2.4207% | 394 |
| Return on Equity (ROE) | 13.9300% | 1,694 |
| Retained earnings to average equity (ytd only) | 9.1318% | 1,653 |
| Net charge-offs to loans | -0.0496% | 4,371 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 48.7479% | 4,017 |
| Assets per employee ($millions) | 9.7188% | 726 |
| Cash dividends to net income (ytd only)* | 34.4471% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6918% | 175 |
| 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 | 58.8500% | 2,877 |
| Net loans and leases to deposits | 69.5111% | 2,827 |
| Net loans and leases to core deposits | 76.9923% | 2,688 |
| Total domestic deposits to total assets | 84.6600% | 2,635 |
| Equity capital to assets | 12.8868% | 837 |
| Core capital (leverage) ratio | 12.6226% | 1,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2054% | 694 |
| Memoranda: | ||
| Average total assets | $343,284,333 | 2,228 |
| Average earning assets | $320,129,333 | 2,222 |
| Average equity | $41,678,333 | 1,822 |
| Average total loans | $201,667,333 | 2,280 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3601% | 773 |
| Cost of funding earning assets | 0.2448% | 4,304 |
| Net interest margin | 5.1153% | 250 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 2.3322% | 2,718 |
| Loan and lease loss provision to assets | 0.1700% | 639 |
| Net operating income to assets | 1.8210% | 644 |
| Return on assets (ROA) | 1.8210% | 631 |
| Pretax return on assets | 2.5667% | 330 |
| Return on Equity (ROE) | 15.4500% | 1,467 |
| Retained earnings to average equity (ytd only) | 10.5953% | 1,557 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 45.9959% | 4,218 |
| Assets per employee ($millions) | 10.2536% | 643 |
| Cash dividends to net income (ytd only)* | 31.4070% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4234% | 241 |
| 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 | 59.8400% | 2,671 |
| Net loans and leases to deposits | 70.2992% | 2,581 |
| Net loans and leases to core deposits | 77.4716% | 2,428 |
| Total domestic deposits to total assets | 85.1300% | 2,821 |
| Equity capital to assets | 12.3451% | 906 |
| Core capital (leverage) ratio | 11.6846% | 1,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4310% | 920 |
| Memoranda: | ||
| Average total assets | $349,706,500 | 2,236 |
| Average earning assets | $326,860,000 | 2,227 |
| Average equity | $41,226,000 | 1,861 |
| Average total loans | $202,586,000 | 2,286 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6488% | 2,658 |
| Cost of funding earning assets | 0.1677% | 4,014 |
| Net interest margin | 3.4811% | 1,989 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 2.2067% | 3,010 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 0.9025% | 2,947 |
| Return on assets (ROA) | 0.9025% | 2,885 |
| Pretax return on assets | 1.2815% | 2,155 |
| Return on Equity (ROE) | 8.6800% | 3,205 |
| Retained earnings to average equity (ytd only) | 4.8573% | 3,113 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 61.8542% | 2,782 |
| Assets per employee ($millions) | 10.6190% | 558 |
| Cash dividends to net income (ytd only)* | 44.0141% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4685% | 217 |
| 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 | 53.3900% | 3,247 |
| Net loans and leases to deposits | 61.7400% | 3,219 |
| Net loans and leases to core deposits | 67.4022% | 3,043 |
| Total domestic deposits to total assets | 86.4800% | 2,577 |
| Equity capital to assets | 11.2673% | 1,158 |
| Core capital (leverage) ratio | 10.5189% | 2,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4683% | 782 |
| Memoranda: | ||
| Average total assets | $377,617,000 | 2,111 |
| Average earning assets | $355,893,000 | 2,085 |
| Average equity | $39,281,400 | 1,945 |
| Average total loans | $188,135,200 | 2,320 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2100% | 3,412 |
| Cost of funding earning assets | 0.1469% | 3,876 |
| Net interest margin | 3.0631% | 3,044 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 2.1360% | 3,111 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.6772% | 3,629 |
| Return on assets (ROA) | 0.6772% | 3,588 |
| Pretax return on assets | 0.9590% | 3,142 |
| Return on Equity (ROE) | 6.6400% | 3,669 |
| Retained earnings to average equity (ytd only) | 1.5034% | 4,138 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.3049% | 2,116 |
| Assets per employee ($millions) | 12.0560% | 375 |
| Cash dividends to net income (ytd only)* | 77.3595% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4932% | 234 |
| 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 | 47.2200% | 3,686 |
| Net loans and leases to deposits | 53.5814% | 3,628 |
| Net loans and leases to core deposits | 57.9169% | 3,507 |
| Total domestic deposits to total assets | 88.1400% | 2,383 |
| Equity capital to assets | 9.8557% | 1,690 |
| Core capital (leverage) ratio | 10.0139% | 2,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2825% | 949 |
| Memoranda: | ||
| Average total assets | $381,760,000 | 2,111 |
| Average earning assets | $360,319,000 | 2,082 |
| Average equity | $38,931,750 | 1,986 |
| Average total loans | $185,755,500 | 2,341 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9654% | 3,644 |
| Cost of funding earning assets | 0.1435% | 3,658 |
| Net interest margin | 2.8218% | 3,371 |
| Noninterest income to average assets | 0.2763% | 3,511 |
| Noninterest expense to average assets | 2.2099% | 2,817 |
| Loan and lease loss provision to assets | 0.0797% | 1,222 |
| Net operating income to assets | 0.4649% | 3,976 |
| Return on assets (ROA) | 0.4649% | 3,926 |
| Pretax return on assets | 0.6504% | 3,717 |
| Return on Equity (ROE) | 4.5058% | 3,911 |
| Retained earnings to average equity (ytd only) | -0.6437% | 4,259 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1672% | 1,371 |
| Assets per employee ($millions) | 11.3993% | 449 |
| Cash dividends to net income (ytd only)* | 114.2857% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6151% | 218 |
| 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 | 46.8143% | 3,651 |
| Net loans and leases to deposits | 53.3911% | 3,580 |
| Net loans and leases to core deposits | 57.9168% | 3,426 |
| Total domestic deposits to total assets | 87.6818% | 2,701 |
| Equity capital to assets | 10.2736% | 1,551 |
| Core capital (leverage) ratio | 9.9977% | 2,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8588% | 1,011 |
| Memoranda: | ||
| Average total assets | $376,397,000 | 2,132 |
| Average earning assets | $355,303,667 | 2,121 |
| Average equity | $38,838,667 | 2,049 |
| Average total loans | $183,445,333 | 2,362 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7566% | 3,829 |
| Cost of funding earning assets | 0.1393% | 3,643 |
| Net interest margin | 2.6173% | 3,614 |
| Noninterest income to average assets | 0.2720% | 3,508 |
| Noninterest expense to average assets | 2.1790% | 2,898 |
| Loan and lease loss provision to assets | 0.0797% | 1,031 |
| Net operating income to assets | 0.3453% | 4,067 |
| Return on assets (ROA) | 0.3453% | 4,030 |
| Pretax return on assets | 0.4887% | 3,884 |
| Return on Equity (ROE) | 3.3389% | 4,023 |
| Retained earnings to average equity (ytd only) | 3.3389% | 3,158 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3117% | 1,202 |
| Assets per employee ($millions) | 10.3835% | 616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5379% | 275 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 46.5210% | 3,533 |
| Net loans and leases to deposits | 52.9506% | 3,496 |
| Net loans and leases to core deposits | 57.6905% | 3,323 |
| Total domestic deposits to total assets | 87.8572% | 2,589 |
| Equity capital to assets | 10.1765% | 1,772 |
| Core capital (leverage) ratio | 10.2872% | 2,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7909% | 787 |
| Memoranda: | ||
| Average total assets | $376,507,500 | 2,147 |
| Average earning assets | $356,089,500 | 2,126 |
| Average equity | $38,934,500 | 2,096 |
| Average total loans | $184,751,500 | 2,340 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6922% | 2,135 |
| Cost of funding earning assets | 0.1648% | 3,821 |
| Net interest margin | 3.5274% | 1,660 |
| Noninterest income to average assets | 0.3064% | 3,573 |
| Noninterest expense to average assets | 2.5408% | 2,054 |
| Loan and lease loss provision to assets | 0.1309% | 936 |
| Net operating income to assets | 0.6799% | 3,672 |
| Return on assets (ROA) | 0.6799% | 3,724 |
| Pretax return on assets | 0.9601% | 3,361 |
| Return on Equity (ROE) | 6.1939% | 3,727 |
| Retained earnings to average equity (ytd only) | 5.4651% | 2,584 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9591% | 1,736 |
| Assets per employee ($millions) | 9.4571% | 796 |
| Cash dividends to net income (ytd only)* | 11.7672% | 3,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4602% | 295 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 49.2215% | 3,378 |
| Net loans and leases to deposits | 56.4056% | 3,383 |
| Net loans and leases to core deposits | 61.5438% | 3,204 |
| Total domestic deposits to total assets | 87.2634% | 2,408 |
| Equity capital to assets | 10.5122% | 2,168 |
| Core capital (leverage) ratio | 10.3432% | 2,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3173% | 716 |
| Memoranda: | ||
| Average total assets | $343,713,400 | 2,228 |
| Average earning assets | $324,033,800 | 2,212 |
| Average equity | $37,730,400 | 2,169 |
| Average total loans | $202,011,200 | 2,222 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7976% | 2,019 |
| Cost of funding earning assets | 0.1690% | 3,936 |
| Net interest margin | 3.6286% | 1,531 |
| Noninterest income to average assets | 0.3244% | 3,488 |
| Noninterest expense to average assets | 2.4340% | 2,333 |
| Loan and lease loss provision to assets | 0.3556% | 198 |
| Net operating income to assets | 0.6753% | 3,827 |
| Return on assets (ROA) | 0.6753% | 3,887 |
| Pretax return on assets | 0.9546% | 3,577 |
| Return on Equity (ROE) | 6.0812% | 3,886 |
| Retained earnings to average equity (ytd only) | 5.1026% | 3,181 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0063% | 2,244 |
| Assets per employee ($millions) | 10.3174% | 589 |
| Cash dividends to net income (ytd only)* | 16.0913% | 2,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5871% | 250 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 50.9816% | 3,302 |
| Net loans and leases to deposits | 58.1460% | 3,395 |
| Net loans and leases to core deposits | 63.3425% | 3,191 |
| Total domestic deposits to total assets | 87.6786% | 2,017 |
| Equity capital to assets | 10.2696% | 2,642 |
| Core capital (leverage) ratio | 10.2852% | 2,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1624% | 931 |
| Memoranda: | ||
| Average total assets | $337,435,000 | 2,278 |
| Average earning assets | $318,017,000 | 2,262 |
| Average equity | $37,470,000 | 2,203 |
| Average total loans | $205,983,750 | 2,233 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0285% | 1,502 |
| Cost of funding earning assets | 0.1715% | 4,031 |
| Net interest margin | 3.8570% | 1,053 |
| Noninterest income to average assets | 0.3116% | 3,565 |
| Noninterest expense to average assets | 2.4784% | 2,213 |
| Loan and lease loss provision to assets | 0.3680% | 197 |
| Net operating income to assets | 0.7721% | 3,590 |
| Return on assets (ROA) | 0.7721% | 3,650 |
| Pretax return on assets | 1.0935% | 3,237 |
| Return on Equity (ROE) | 6.7606% | 3,712 |
| Retained earnings to average equity (ytd only) | 5.2839% | 3,081 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9047% | 2,592 |
| Assets per employee ($millions) | 9.6717% | 681 |
| Cash dividends to net income (ytd only)* | 21.8427% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2257% | 409 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 61.3691% | 2,256 |
| Net loans and leases to deposits | 70.7914% | 2,330 |
| Net loans and leases to core deposits | 77.4058% | 2,102 |
| Total domestic deposits to total assets | 86.6899% | 2,479 |
| Equity capital to assets | 11.1352% | 1,888 |
| Core capital (leverage) ratio | 11.0274% | 1,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7954% | 991 |
| Memoranda: | ||
| Average total assets | $326,104,000 | 2,329 |
| Average earning assets | $306,766,667 | 2,306 |
| Average equity | $37,245,333 | 2,201 |
| Average total loans | $209,848,667 | 2,209 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2399% | 1,134 |
| Cost of funding earning assets | 0.1746% | 4,124 |
| Net interest margin | 4.0654% | 766 |
| Noninterest income to average assets | 0.2726% | 3,771 |
| Noninterest expense to average assets | 2.6046% | 1,878 |
| Loan and lease loss provision to assets | 0.3751% | 214 |
| Net operating income to assets | 0.7777% | 3,493 |
| Return on assets (ROA) | 0.7777% | 3,558 |
| Pretax return on assets | 1.1078% | 3,094 |
| Return on Equity (ROE) | 6.7205% | 3,672 |
| Retained earnings to average equity (ytd only) | 6.7205% | 2,659 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7198% | 2,498 |
| Assets per employee ($millions) | 9.5247% | 692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1246% | 479 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 61.2035% | 2,377 |
| Net loans and leases to deposits | 70.6315% | 2,445 |
| Net loans and leases to core deposits | 76.1455% | 2,338 |
| Total domestic deposits to total assets | 86.6519% | 2,463 |
| Equity capital to assets | 11.1985% | 1,725 |
| Core capital (leverage) ratio | 11.7692% | 1,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6784% | 967 |
| Memoranda: | ||
| Average total assets | $319,900,500 | 2,342 |
| Average earning assets | $300,194,500 | 2,328 |
| Average equity | $37,021,000 | 2,204 |
| Average total loans | $208,538,000 | 2,222 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6825% | 928 |
| Cost of funding earning assets | 0.1964% | 4,594 |
| Net interest margin | 4.4861% | 339 |
| Noninterest income to average assets | 0.2485% | 4,001 |
| Noninterest expense to average assets | 2.8758% | 1,750 |
| Loan and lease loss provision to assets | 0.2308% | 1,684 |
| Net operating income to assets | 0.9518% | 2,473 |
| Return on assets (ROA) | 0.9518% | 2,619 |
| Pretax return on assets | 1.3436% | 1,840 |
| Return on Equity (ROE) | 7.8116% | 2,887 |
| Retained earnings to average equity (ytd only) | 6.4086% | 1,630 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6232% | 2,725 |
| Assets per employee ($millions) | 7.8573% | 1,087 |
| Cash dividends to net income (ytd only)* | 17.9598% | 3,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9792% | 620 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 66.7307% | 1,990 |
| Net loans and leases to deposits | 78.0130% | 2,067 |
| Net loans and leases to core deposits | 86.1259% | 1,858 |
| Total domestic deposits to total assets | 85.5379% | 2,554 |
| Equity capital to assets | 11.9797% | 1,577 |
| Core capital (leverage) ratio | 11.4208% | 1,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2049% | 1,214 |
| Memoranda: | ||
| Average total assets | $292,506,600 | 2,332 |
| Average earning assets | $273,955,400 | 2,326 |
| Average equity | $35,639,400 | 2,201 |
| Average total loans | $199,035,400 | 2,242 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6627% | 1,152 |
| Cost of funding earning assets | 0.1968% | 4,686 |
| Net interest margin | 4.4659% | 411 |
| Noninterest income to average assets | 0.2426% | 4,028 |
| Noninterest expense to average assets | 2.9206% | 1,647 |
| Loan and lease loss provision to assets | 0.1730% | 2,256 |
| Net operating income to assets | 0.9508% | 2,518 |
| Return on assets (ROA) | 0.9508% | 2,654 |
| Pretax return on assets | 1.3360% | 1,920 |
| Return on Equity (ROE) | 7.7687% | 2,893 |
| Retained earnings to average equity (ytd only) | 5.8840% | 2,150 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9342% | 2,478 |
| Assets per employee ($millions) | 9.6173% | 574 |
| Cash dividends to net income (ytd only)* | 24.2601% | 2,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7700% | 776 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 66.9565% | 2,388 |
| Net loans and leases to deposits | 77.5947% | 2,576 |
| Net loans and leases to core deposits | 85.1379% | 2,372 |
| Total domestic deposits to total assets | 86.2901% | 1,941 |
| Equity capital to assets | 11.3391% | 2,121 |
| Core capital (leverage) ratio | 11.6427% | 1,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7651% | 1,567 |
| Memoranda: | ||
| Average total assets | $289,024,250 | 2,333 |
| Average earning assets | $270,964,000 | 2,325 |
| Average equity | $35,371,750 | 2,200 |
| Average total loans | $196,640,250 | 2,262 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8922% | 988 |
| Cost of funding earning assets | 0.2019% | 4,760 |
| Net interest margin | 4.6903% | 350 |
| Noninterest income to average assets | 0.2447% | 4,011 |
| Noninterest expense to average assets | 3.0060% | 1,564 |
| Loan and lease loss provision to assets | 0.0537% | 3,634 |
| Net operating income to assets | 1.1124% | 1,925 |
| Return on assets (ROA) | 1.1124% | 2,044 |
| Pretax return on assets | 1.5724% | 1,289 |
| Return on Equity (ROE) | 8.8436% | 2,425 |
| Retained earnings to average equity (ytd only) | 8.8436% | 1,052 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8958% | 2,676 |
| Assets per employee ($millions) | 8.1241% | 924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6473% | 910 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 70.0931% | 2,015 |
| Net loans and leases to deposits | 81.9140% | 2,217 |
| Net loans and leases to core deposits | 87.5889% | 2,292 |
| Total domestic deposits to total assets | 85.5692% | 2,174 |
| Equity capital to assets | 11.9700% | 1,683 |
| Core capital (leverage) ratio | 12.1744% | 1,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3885% | 1,394 |
| Memoranda: | ||
| Average total assets | $279,575,667 | 2,362 |
| Average earning assets | $261,518,333 | 2,354 |
| Average equity | $35,166,667 | 2,196 |
| Average total loans | $190,077,333 | 2,304 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9841% | 1,004 |
| Cost of funding earning assets | 0.2073% | 4,874 |
| Net interest margin | 4.7768% | 288 |
| Noninterest income to average assets | 0.2289% | 4,178 |
| Noninterest expense to average assets | 3.2795% | 1,260 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9916% | 2,202 |
| Return on assets (ROA) | 0.9916% | 2,302 |
| Pretax return on assets | 1.4019% | 1,558 |
| Return on Equity (ROE) | 7.6756% | 2,645 |
| Retained earnings to average equity (ytd only) | 7.6756% | 1,324 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0540% | 2,345 |
| Assets per employee ($millions) | 7.7790% | 807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9254% | 578 |
| Loan loss allowance to noncurrent loans | 392.9465% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.3139% | 3,181 |
| Noncurrent loans to loans | 0.4900% | 2,795 |
| Net loans and leases to total assets | 62.8253% | 3,214 |
| Net loans and leases to deposits | 73.9951% | 3,276 |
| Net loans and leases to core deposits | 79.6169% | 3,232 |
| Total domestic deposits to total assets | 84.9046% | 2,444 |
| Equity capital to assets | 12.5312% | 1,710 |
| Core capital (leverage) ratio | 12.6798% | 1,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7862% | 1,174 |
| Memoranda: | ||
| Average total assets | $269,067,000 | 2,372 |
| Average earning assets | $250,798,000 | 2,366 |
| Average equity | $34,759,500 | 2,214 |
| Average total loans | $178,004,000 | 2,381 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5694% | 498 |
| Cost of funding earning assets | 0.2197% | 4,916 |
| Net interest margin | 5.3497% | 141 |
| Noninterest income to average assets | 0.2305% | 4,290 |
| Noninterest expense to average assets | 3.0528% | 1,870 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.4960% | 1,066 |
| Return on assets (ROA) | 1.4960% | 1,126 |
| Pretax return on assets | 2.0822% | 499 |
| Return on Equity (ROE) | 11.7146% | 1,614 |
| Retained earnings to average equity (ytd only) | 11.7146% | 262 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4510% | 3,770 |
| Assets per employee ($millions) | 6.2949% | 1,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9557% | 488 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 67.0935% | 2,814 |
| Net loans and leases to deposits | 80.1887% | 2,759 |
| Net loans and leases to core deposits | 85.5424% | 2,821 |
| Total domestic deposits to total assets | 83.6696% | 2,966 |
| Equity capital to assets | 13.3388% | 1,344 |
| Core capital (leverage) ratio | 13.3926% | 1,084 |
| Tier 1 risk-based capital ratio | 15.9381% | 2,428 |
| Total risk-based capital ratio | 17.1932% | 2,372 |
| Memoranda: | ||
| Average total assets | $254,687,600 | 2,431 |
| Average earning assets | $233,491,400 | 2,449 |
| Average equity | $32,523,400 | 2,272 |
| Average total loans | $174,251,400 | 2,377 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6134% | 481 |
| Cost of funding earning assets | 0.2225% | 4,989 |
| Net interest margin | 5.3909% | 143 |
| Noninterest income to average assets | 0.2353% | 4,331 |
| Noninterest expense to average assets | 3.0470% | 1,842 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4938% | 1,202 |
| Return on assets (ROA) | 1.4938% | 1,261 |
| Pretax return on assets | 2.1142% | 532 |
| Return on Equity (ROE) | 11.8321% | 1,677 |
| Retained earnings to average equity (ytd only) | 11.8321% | 404 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0372% | 3,799 |
| Assets per employee ($millions) | 6.4338% | 1,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9968% | 474 |
| Loan loss allowance to noncurrent loans | 293.2088% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 0.4695% | 2,653 |
| Noncurrent loans to loans | 0.6810% | 2,260 |
| Net loans and leases to total assets | 67.5604% | 2,859 |
| Net loans and leases to deposits | 80.7086% | 2,831 |
| Net loans and leases to core deposits | 86.5915% | 2,858 |
| Total domestic deposits to total assets | 83.7091% | 2,928 |
| Equity capital to assets | 13.3350% | 1,442 |
| Core capital (leverage) ratio | 13.0023% | 1,342 |
| Tier 1 risk-based capital ratio | 15.7393% | 2,537 |
| Total risk-based capital ratio | 16.9948% | 2,473 |
| Memoranda: | ||
| Average total assets | $253,837,250 | 2,459 |
| Average earning assets | $231,939,250 | 2,480 |
| Average equity | $32,047,750 | 2,314 |
| Average total loans | $173,660,500 | 2,413 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5872% | 480 |
| Cost of funding earning assets | 0.2220% | 5,024 |
| Net interest margin | 5.3652% | 157 |
| Noninterest income to average assets | 0.2339% | 4,350 |
| Noninterest expense to average assets | 2.9912% | 2,027 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4913% | 1,172 |
| Return on assets (ROA) | 1.4913% | 1,217 |
| Pretax return on assets | 2.1177% | 528 |
| Return on Equity (ROE) | 12.0341% | 1,566 |
| Retained earnings to average equity (ytd only) | 12.0341% | 402 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5497% | 3,928 |
| Assets per employee ($millions) | 6.3759% | 1,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9994% | 478 |
| Loan loss allowance to noncurrent loans | 301.3962% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.4609% | 2,682 |
| Noncurrent loans to loans | 0.6634% | 2,298 |
| Net loans and leases to total assets | 68.0851% | 2,797 |
| Net loans and leases to deposits | 80.9561% | 2,848 |
| Net loans and leases to core deposits | 87.3406% | 2,862 |
| Total domestic deposits to total assets | 84.1012% | 2,813 |
| Equity capital to assets | 13.0764% | 1,555 |
| Core capital (leverage) ratio | 12.9263% | 1,335 |
| Tier 1 risk-based capital ratio | 16.1496% | 2,346 |
| Total risk-based capital ratio | 17.4071% | 2,292 |
| Memoranda: | ||
| Average total assets | $254,810,000 | 2,453 |
| Average earning assets | $231,528,000 | 2,489 |
| Average equity | $31,577,000 | 2,331 |
| Average total loans | $173,888,670 | 2,419 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5253% | 501 |
| Cost of funding earning assets | 0.2098% | 5,096 |
| Net interest margin | 5.3155% | 168 |
| Noninterest income to average assets | 0.2358% | 4,327 |
| Noninterest expense to average assets | 2.9564% | 2,115 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5247% | 1,063 |
| Return on assets (ROA) | 1.5247% | 1,086 |
| Pretax return on assets | 2.1529% | 484 |
| Return on Equity (ROE) | 12.6400% | 1,345 |
| Retained earnings to average equity (ytd only) | 12.6400% | 523 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8628% | 4,101 |
| Assets per employee ($millions) | 6.2229% | 1,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9896% | 512 |
| Loan loss allowance to noncurrent loans | 270.2660% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.5134% | 2,572 |
| Noncurrent loans to loans | 0.7362% | 2,183 |
| Net loans and leases to total assets | 68.3541% | 2,707 |
| Net loans and leases to deposits | 81.0392% | 2,722 |
| Net loans and leases to core deposits | 86.8601% | 2,789 |
| Total domestic deposits to total assets | 84.3470% | 2,925 |
| Equity capital to assets | 12.6946% | 1,629 |
| Core capital (leverage) ratio | 12.2002% | 1,663 |
| Tier 1 risk-based capital ratio | 15.7141% | 2,565 |
| Total risk-based capital ratio | 16.9708% | 2,479 |
| Memoranda: | ||
| Average total assets | $257,884,500 | 2,460 |
| Average earning assets | $236,438,500 | 2,481 |
| Average equity | $31,107,500 | 2,349 |
| Average total loans | $174,455,500 | 2,426 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9164% | 1,237 |
| Cost of funding earning assets | 0.1679% | 5,125 |
| Net interest margin | 4.7484% | 444 |
| Noninterest income to average assets | 0.2724% | 4,278 |
| Noninterest expense to average assets | 2.9869% | 2,080 |
| Loan and lease loss provision to assets | 0.0282% | 3,610 |
| Net operating income to assets | 1.1543% | 2,367 |
| Return on assets (ROA) | 1.1543% | 2,370 |
| Pretax return on assets | 1.6353% | 1,359 |
| Return on Equity (ROE) | 10.5882% | 2,251 |
| Retained earnings to average equity (ytd only) | 10.5882% | 509 |
| Net charge-offs to loans | -0.0209% | 4,712 |
| Credit loss provision to net charge-offs | -220.5882% | 4,493 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2292% | 3,153 |
| Assets per employee ($millions) | 7.0224% | 968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9702% | 496 |
| Loan loss allowance to noncurrent loans | 202.6995% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 0.6386% | 2,128 |
| Noncurrent loans to loans | 0.9720% | 1,670 |
| Net loans and leases to total assets | 64.4020% | 3,314 |
| Net loans and leases to deposits | 74.4561% | 3,463 |
| Net loans and leases to core deposits | 79.2996% | 3,477 |
| Total domestic deposits to total assets | 86.4966% | 2,019 |
| Equity capital to assets | 11.4730% | 2,271 |
| Core capital (leverage) ratio | 11.2244% | 2,327 |
| Tier 1 risk-based capital ratio | 15.1322% | 2,765 |
| Total risk-based capital ratio | 16.3886% | 2,700 |
| Memoranda: | ||
| Average total assets | $266,131,200 | 2,365 |
| Average earning assets | $245,364,400 | 2,374 |
| Average equity | $29,013,400 | 2,394 |
| Average total loans | $162,371,200 | 2,499 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7683% | 1,501 |
| Cost of funding earning assets | 0.1603% | 5,190 |
| Net interest margin | 4.6080% | 589 |
| Noninterest income to average assets | 0.2697% | 4,349 |
| Noninterest expense to average assets | 2.9243% | 2,241 |
| Loan and lease loss provision to assets | 0.0376% | 3,254 |
| Net operating income to assets | 1.1069% | 2,632 |
| Return on assets (ROA) | 1.1069% | 2,645 |
| Pretax return on assets | 1.5596% | 1,705 |
| Return on Equity (ROE) | 10.2889% | 2,484 |
| Retained earnings to average equity (ytd only) | 10.2889% | 827 |
| Net charge-offs to loans | -0.0285% | 4,729 |
| Credit loss provision to net charge-offs | -220.5882% | 4,348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6746% | 3,074 |
| Assets per employee ($millions) | 7.1933% | 870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0754% | 424 |
| Loan loss allowance to noncurrent loans | 157.5730% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 0.7814% | 1,907 |
| Noncurrent loans to loans | 1.3171% | 1,265 |
| Net loans and leases to total assets | 58.0925% | 4,029 |
| Net loans and leases to deposits | 66.3664% | 4,170 |
| Net loans and leases to core deposits | 70.3114% | 4,173 |
| Total domestic deposits to total assets | 87.5329% | 1,470 |
| Equity capital to assets | 10.6053% | 3,039 |
| Core capital (leverage) ratio | 11.1621% | 2,440 |
| Tier 1 risk-based capital ratio | 15.5676% | 2,620 |
| Total risk-based capital ratio | 16.8255% | 2,552 |
| Memoranda: | ||
| Average total assets | $265,951,000 | 2,376 |
| Average earning assets | $245,394,250 | 2,382 |
| Average equity | $28,612,750 | 2,428 |
| Average total loans | $159,136,000 | 2,545 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7471% | 1,391 |
| Cost of funding earning assets | 0.1582% | 5,208 |
| Net interest margin | 4.5888% | 563 |
| Noninterest income to average assets | 0.2758% | 4,346 |
| Noninterest expense to average assets | 2.9683% | 2,140 |
| Loan and lease loss provision to assets | 0.0192% | 3,517 |
| Net operating income to assets | 1.0586% | 2,763 |
| Return on assets (ROA) | 1.0586% | 2,764 |
| Pretax return on assets | 1.4869% | 1,860 |
| Return on Equity (ROE) | 9.7900% | 2,663 |
| Retained earnings to average equity (ytd only) | 9.7900% | 989 |
| Net charge-offs to loans | -0.0434% | 4,869 |
| Credit loss provision to net charge-offs | -73.5294% | 4,046 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3414% | 2,921 |
| Assets per employee ($millions) | 6.6369% | 1,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1474% | 409 |
| 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 | 61.5041% | 3,657 |
| Net loans and leases to deposits | 71.0144% | 3,781 |
| Net loans and leases to core deposits | 75.1165% | 3,804 |
| Total domestic deposits to total assets | 86.6079% | 2,013 |
| Equity capital to assets | 11.4694% | 2,222 |
| Core capital (leverage) ratio | 11.3368% | 2,221 |
| Tier 1 risk-based capital ratio | 15.6261% | 2,579 |
| Total risk-based capital ratio | 16.8843% | 2,525 |
| Memoranda: | ||
| Average total assets | $261,088,330 | 2,410 |
| Average earning assets | $238,883,670 | 2,439 |
| Average equity | $28,233,000 | 2,459 |
| Average total loans | $156,706,000 | 2,589 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8416% | 994 |
| Cost of funding earning assets | 0.1622% | 5,208 |
| Net interest margin | 4.6794% | 417 |
| Noninterest income to average assets | 0.2832% | 4,278 |
| Noninterest expense to average assets | 2.9631% | 2,165 |
| Loan and lease loss provision to assets | -0.0753% | 5,493 |
| Net operating income to assets | 1.0319% | 2,726 |
| Return on assets (ROA) | 1.0319% | 2,744 |
| Pretax return on assets | 1.4371% | 1,876 |
| Return on Equity (ROE) | 9.8255% | 2,524 |
| Retained earnings to average equity (ytd only) | 9.8255% | 1,216 |
| Net charge-offs to loans | -0.0873% | 5,155 |
| Credit loss provision to net charge-offs | 147.0588% | 1,244 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5127% | 2,746 |
| Assets per employee ($millions) | 7.2535% | 861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1052% | 448 |
| 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 | 57.6811% | 3,971 |
| Net loans and leases to deposits | 65.7620% | 4,107 |
| Net loans and leases to core deposits | 69.1399% | 4,136 |
| Total domestic deposits to total assets | 87.7119% | 1,783 |
| Equity capital to assets | 10.5183% | 3,059 |
| Core capital (leverage) ratio | 10.5532% | 2,891 |
| Tier 1 risk-based capital ratio | 14.9039% | 2,914 |
| Total risk-based capital ratio | 16.1610% | 2,841 |
| Memoranda: | ||
| Average total assets | $265,532,000 | 2,397 |
| Average earning assets | $229,347,000 | 2,537 |
| Average equity | $27,886,500 | 2,504 |
| Average total loans | $155,800,000 | 2,616 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2380% | 2,547 |
| Cost of funding earning assets | 0.1739% | 5,132 |
| Net interest margin | 4.0641% | 1,548 |
| Noninterest income to average assets | 0.6327% | 2,288 |
| Noninterest expense to average assets | 2.6799% | 3,195 |
| Loan and lease loss provision to assets | -0.1383% | 5,528 |
| Net operating income to assets | 0.7821% | 3,239 |
| Return on assets (ROA) | 0.7821% | 3,279 |
| Pretax return on assets | 1.8045% | 787 |
| Return on Equity (ROE) | 7.3838% | 3,078 |
| Retained earnings to average equity (ytd only) | 7.3838% | 959 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6623% | 3,993 |
| Assets per employee ($millions) | 7.5053% | 767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1796% | 387 |
| Loan loss allowance to noncurrent loans | 3,413.2653% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.0373% | 4,950 |
| Noncurrent loans to loans | 0.0639% | 4,704 |
| Net loans and leases to total assets | 57.1489% | 4,094 |
| Net loans and leases to deposits | 65.1731% | 4,244 |
| Net loans and leases to core deposits | 69.3348% | 4,217 |
| Total domestic deposits to total assets | 87.6879% | 1,660 |
| Equity capital to assets | 10.5355% | 3,130 |
| Core capital (leverage) ratio | 10.6655% | 2,680 |
| Tier 1 risk-based capital ratio | 14.7028% | 2,990 |
| Total risk-based capital ratio | 15.9593% | 2,917 |
| Memoranda: | ||
| Average total assets | $253,033,800 | 2,469 |
| Average earning assets | $231,195,600 | 2,489 |
| Average equity | $26,801,800 | 2,556 |
| Average total loans | $136,402,800 | 2,832 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1148% | 2,939 |
| Cost of funding earning assets | 0.1783% | 5,145 |
| Net interest margin | 3.9364% | 1,909 |
| Noninterest income to average assets | 0.6469% | 2,224 |
| Noninterest expense to average assets | 2.6627% | 3,198 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9895% | 2,602 |
| Return on assets (ROA) | 0.9895% | 2,661 |
| Pretax return on assets | 1.6364% | 1,293 |
| Return on Equity (ROE) | 9.3289% | 2,427 |
| Retained earnings to average equity (ytd only) | 9.3289% | 750 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9354% | 3,895 |
| Assets per employee ($millions) | 7.5576% | 744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5841% | 241 |
| Loan loss allowance to noncurrent loans | 176.0362% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 0.9729% | 1,743 |
| Noncurrent loans to loans | 1.4679% | 1,270 |
| Net loans and leases to total assets | 54.2092% | 4,399 |
| Net loans and leases to deposits | 61.9022% | 4,513 |
| Net loans and leases to core deposits | 65.7416% | 4,499 |
| Total domestic deposits to total assets | 87.5724% | 1,599 |
| Equity capital to assets | 10.7238% | 3,142 |
| Core capital (leverage) ratio | 10.5404% | 2,946 |
| Tier 1 risk-based capital ratio | 15.5231% | 2,697 |
| Total risk-based capital ratio | 16.7865% | 2,640 |
| Memoranda: | ||
| Average total assets | $250,621,250 | 2,504 |
| Average earning assets | $232,523,250 | 2,489 |
| Average equity | $26,583,500 | 2,587 |
| Average total loans | $132,137,000 | 2,910 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0066% | 3,182 |
| Cost of funding earning assets | 0.1816% | 5,130 |
| Net interest margin | 3.8250% | 2,194 |
| Noninterest income to average assets | 0.8185% | 1,504 |
| Noninterest expense to average assets | 2.6856% | 3,141 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0269% | 2,300 |
| Return on assets (ROA) | 1.0269% | 2,342 |
| Pretax return on assets | 1.6925% | 1,075 |
| Return on Equity (ROE) | 9.7185% | 2,163 |
| Retained earnings to average equity (ytd only) | 9.7185% | 640 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3419% | 4,116 |
| Assets per employee ($millions) | 7.6118% | 707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7091% | 219 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1596% | 4,541 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 52.8276% | 4,496 |
| Net loans and leases to deposits | 60.2990% | 4,602 |
| Net loans and leases to core deposits | 64.1827% | 4,588 |
| Total domestic deposits to total assets | 87.6093% | 1,656 |
| Equity capital to assets | 10.7377% | 3,093 |
| Core capital (leverage) ratio | 10.9981% | 2,406 |
| Tier 1 risk-based capital ratio | 15.6268% | 2,653 |
| Total risk-based capital ratio | 16.8881% | 2,582 |
| Memoranda: | ||
| Average total assets | $248,508,330 | 2,532 |
| Average earning assets | $231,266,670 | 2,514 |
| Average equity | $26,259,330 | 2,612 |
| Average total loans | $128,519,000 | 2,970 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8408% | 3,617 |
| Cost of funding earning assets | 0.1920% | 5,047 |
| Net interest margin | 3.6489% | 2,698 |
| Noninterest income to average assets | 0.3204% | 4,257 |
| Noninterest expense to average assets | 2.7237% | 3,056 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6198% | 4,063 |
| Return on assets (ROA) | 0.6198% | 4,115 |
| Pretax return on assets | 1.0115% | 3,314 |
| Return on Equity (ROE) | 5.9144% | 3,958 |
| Retained earnings to average equity (ytd only) | 5.9144% | 2,387 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9203% | 2,418 |
| Assets per employee ($millions) | 7.0454% | 936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8533% | 208 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2271% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 49.5998% | 4,705 |
| Net loans and leases to deposits | 56.1980% | 4,804 |
| Net loans and leases to core deposits | 59.8242% | 4,787 |
| Total domestic deposits to total assets | 88.2591% | 1,553 |
| Equity capital to assets | 10.2884% | 3,419 |
| Core capital (leverage) ratio | 10.4283% | 2,987 |
| Tier 1 risk-based capital ratio | 15.7704% | 2,634 |
| Total risk-based capital ratio | 17.0329% | 2,576 |
| Memoranda: | ||
| Average total assets | $247,168,000 | 2,565 |
| Average earning assets | $231,304,000 | 2,539 |
| Average equity | $25,903,000 | 2,649 |
| Average total loans | $124,582,500 | 3,043 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0708% | 2,950 |
| Cost of funding earning assets | 0.2208% | 4,823 |
| Net interest margin | 3.8500% | 2,137 |
| Noninterest income to average assets | 0.3235% | 4,424 |
| Noninterest expense to average assets | 2.5303% | 3,918 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8527% | 3,057 |
| Return on assets (ROA) | 0.8527% | 3,165 |
| Pretax return on assets | 1.4115% | 1,894 |
| Return on Equity (ROE) | 7.6944% | 3,119 |
| Retained earnings to average equity (ytd only) | 0.0837% | 5,278 |
| Net charge-offs to loans | -0.0332% | 5,284 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1917% | 3,909 |
| Assets per employee ($millions) | 6.8772% | 969 |
| Cash dividends to net income (ytd only)* | 98.9120% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0877% | 158 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2605% | 4,250 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 48.1812% | 4,885 |
| Net loans and leases to deposits | 54.9351% | 4,971 |
| Net loans and leases to core deposits | 58.9279% | 4,910 |
| Total domestic deposits to total assets | 87.7055% | 1,789 |
| Equity capital to assets | 10.6817% | 2,947 |
| Core capital (leverage) ratio | 10.5476% | 2,832 |
| Tier 1 risk-based capital ratio | 16.2503% | 2,450 |
| Total risk-based capital ratio | 17.5137% | 2,381 |
| Memoranda: | ||
| Average total assets | $237,122,200 | 2,606 |
| Average earning assets | $222,856,600 | 2,570 |
| Average equity | $26,278,800 | 2,615 |
| Average total loans | $132,467,400 | 2,884 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0534% | 3,023 |
| Cost of funding earning assets | 0.2247% | 4,840 |
| Net interest margin | 3.8287% | 2,235 |
| Noninterest income to average assets | 0.3234% | 4,461 |
| Noninterest expense to average assets | 2.5201% | 3,923 |
| Loan and lease loss provision to assets | 0.0282% | 3,675 |
| Net operating income to assets | 0.8303% | 3,232 |
| Return on assets (ROA) | 0.8303% | 3,362 |
| Pretax return on assets | 1.3715% | 2,155 |
| Return on Equity (ROE) | 7.4233% | 3,341 |
| Retained earnings to average equity (ytd only) | 7.4233% | 1,429 |
| Net charge-offs to loans | -0.0432% | 5,317 |
| Credit loss provision to net charge-offs | -113.6364% | 4,771 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2909% | 3,888 |
| Assets per employee ($millions) | 7.6521% | 684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8615% | 223 |
| 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 | 51.9186% | 4,664 |
| Net loans and leases to deposits | 59.4047% | 4,798 |
| Net loans and leases to core deposits | 63.9970% | 4,726 |
| Total domestic deposits to total assets | 87.3981% | 1,714 |
| Equity capital to assets | 11.0917% | 2,921 |
| Core capital (leverage) ratio | 11.2085% | 2,263 |
| Tier 1 risk-based capital ratio | 16.5439% | 2,397 |
| Total risk-based capital ratio | 17.8067% | 2,346 |
| Memoranda: | ||
| Average total assets | $236,227,250 | 2,617 |
| Average earning assets | $221,898,750 | 2,585 |
| Average equity | $26,420,750 | 2,622 |
| Average total loans | $135,667,250 | 2,844 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0780% | 2,959 |
| Cost of funding earning assets | 0.2274% | 4,871 |
| Net interest margin | 3.8506% | 2,135 |
| Noninterest income to average assets | 0.3403% | 4,343 |
| Noninterest expense to average assets | 2.5199% | 3,982 |
| Loan and lease loss provision to assets | 0.0429% | 3,291 |
| Net operating income to assets | 0.8417% | 3,125 |
| Return on assets (ROA) | 0.8417% | 3,258 |
| Pretax return on assets | 1.3911% | 2,062 |
| Return on Equity (ROE) | 7.5035% | 3,259 |
| Retained earnings to average equity (ytd only) | 7.5035% | 1,378 |
| Net charge-offs to loans | -0.0291% | 5,109 |
| Credit loss provision to net charge-offs | -250.0000% | 4,769 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7329% | 4,067 |
| Assets per employee ($millions) | 7.5492% | 686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7499% | 268 |
| Loan loss allowance to noncurrent loans | 9,302.5000% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.0171% | 5,534 |
| Noncurrent loans to loans | 0.0296% | 5,347 |
| Net loans and leases to total assets | 56.2306% | 4,281 |
| Net loans and leases to deposits | 64.5675% | 4,449 |
| Net loans and leases to core deposits | 69.8784% | 4,334 |
| Total domestic deposits to total assets | 87.0881% | 1,873 |
| Equity capital to assets | 11.3967% | 2,643 |
| Core capital (leverage) ratio | 11.2167% | 2,217 |
| Tier 1 risk-based capital ratio | 16.1621% | 2,565 |
| Total risk-based capital ratio | 17.4249% | 2,509 |
| Memoranda: | ||
| Average total assets | $233,347,000 | 2,651 |
| Average earning assets | $218,980,000 | 2,627 |
| Average equity | $26,174,330 | 2,651 |
| Average total loans | $137,264,000 | 2,829 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0456% | 3,049 |
| Cost of funding earning assets | 0.2213% | 4,985 |
| Net interest margin | 3.8243% | 2,208 |
| Noninterest income to average assets | 0.3090% | 4,518 |
| Noninterest expense to average assets | 2.4754% | 4,147 |
| Loan and lease loss provision to assets | 0.0858% | 2,250 |
| Net operating income to assets | 0.8137% | 3,172 |
| Return on assets (ROA) | 0.8137% | 3,299 |
| Pretax return on assets | 1.3373% | 2,148 |
| Return on Equity (ROE) | 7.3131% | 3,282 |
| Retained earnings to average equity (ytd only) | 7.3131% | 1,743 |
| Net charge-offs to loans | -0.0579% | 5,397 |
| Credit loss provision to net charge-offs | -250.0000% | 4,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4963% | 4,219 |
| Assets per employee ($millions) | 8.1979% | 521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6593% | 329 |
| Loan loss allowance to noncurrent loans | 187.0789% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 0.8366% | 2,594 |
| Noncurrent loans to loans | 1.4215% | 1,675 |
| Net loans and leases to total assets | 57.2908% | 4,117 |
| Net loans and leases to deposits | 65.5381% | 4,300 |
| Net loans and leases to core deposits | 70.4830% | 4,207 |
| Total domestic deposits to total assets | 87.4160% | 1,982 |
| Equity capital to assets | 11.0050% | 2,930 |
| Core capital (leverage) ratio | 11.0747% | 2,339 |
| Tier 1 risk-based capital ratio | 15.8096% | 2,778 |
| Total risk-based capital ratio | 17.0719% | 2,702 |
| Memoranda: | ||
| Average total assets | $233,008,500 | 2,665 |
| Average earning assets | $218,706,000 | 2,640 |
| Average equity | $25,926,000 | 2,667 |
| Average total loans | $138,239,000 | 2,818 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2529% | 2,380 |
| Cost of funding earning assets | 0.2354% | 4,946 |
| Net interest margin | 4.0175% | 1,659 |
| Noninterest income to average assets | 0.5803% | 2,831 |
| Noninterest expense to average assets | 2.6308% | 3,817 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0311% | 2,207 |
| Return on assets (ROA) | 1.0311% | 2,292 |
| Pretax return on assets | 1.7165% | 957 |
| Return on Equity (ROE) | 9.1677% | 2,383 |
| Retained earnings to average equity (ytd only) | 9.1677% | 621 |
| Net charge-offs to loans | 0.0227% | 3,808 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 131.6897% | 464 |
| Efficiency ratio | 60.5149% | 4,837 |
| Assets per employee ($millions) | 7.3638% | 760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6736% | 329 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 58.2200% | 4,050 |
| Net loans and leases to deposits | 66.8219% | 4,239 |
| Net loans and leases to core deposits | 73.5503% | 3,986 |
| Total domestic deposits to total assets | 87.1272% | 2,063 |
| Equity capital to assets | 11.2533% | 2,583 |
| Core capital (leverage) ratio | 10.9657% | 2,439 |
| Tier 1 risk-based capital ratio | 15.6528% | 2,855 |
| Total risk-based capital ratio | 16.9153% | 2,781 |
| Memoranda: | ||
| Average total assets | $222,481,600 | 2,728 |
| Average earning assets | $208,610,800 | 2,685 |
| Average equity | $25,022,600 | 2,694 |
| Average total loans | $127,986,600 | 2,920 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9882% | 3,387 |
| Cost of funding earning assets | 0.2364% | 5,025 |
| Net interest margin | 3.7518% | 2,555 |
| Noninterest income to average assets | 0.4066% | 4,045 |
| Noninterest expense to average assets | 2.4919% | 4,220 |
| Loan and lease loss provision to assets | 0.0151% | 3,966 |
| Net operating income to assets | 0.8560% | 3,145 |
| Return on assets (ROA) | 0.8560% | 3,235 |
| Pretax return on assets | 1.4127% | 1,966 |
| Return on Equity (ROE) | 7.6116% | 3,280 |
| Retained earnings to average equity (ytd only) | 7.6116% | 1,412 |
| Net charge-offs to loans | -0.0424% | 5,491 |
| Credit loss provision to net charge-offs | -62.5000% | 4,987 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5734% | 4,322 |
| Assets per employee ($millions) | 7.9346% | 559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9520% | 260 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2503% | 4,760 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 53.5050% | 4,616 |
| Net loans and leases to deposits | 60.9712% | 4,785 |
| Net loans and leases to core deposits | 66.4235% | 4,662 |
| Total domestic deposits to total assets | 87.7546% | 1,680 |
| Equity capital to assets | 10.7839% | 3,258 |
| Core capital (leverage) ratio | 10.9400% | 2,557 |
| Tier 1 risk-based capital ratio | 15.5873% | 3,006 |
| Total risk-based capital ratio | 16.8511% | 2,925 |
| Memoranda: | ||
| Average total assets | $221,032,250 | 2,762 |
| Average earning assets | $206,973,250 | 2,727 |
| Average equity | $24,856,000 | 2,726 |
| Average total loans | $125,844,500 | 2,979 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0532% | 3,059 |
| Cost of funding earning assets | 0.2285% | 5,162 |
| Net interest margin | 3.8247% | 2,222 |
| Noninterest income to average assets | 0.4192% | 3,932 |
| Noninterest expense to average assets | 2.5100% | 4,212 |
| Loan and lease loss provision to assets | 0.0229% | 3,675 |
| Net operating income to assets | 0.8853% | 2,964 |
| Return on assets (ROA) | 0.8853% | 3,076 |
| Pretax return on assets | 1.4642% | 1,750 |
| Return on Equity (ROE) | 7.7604% | 3,185 |
| Retained earnings to average equity (ytd only) | 7.7604% | 1,362 |
| Net charge-offs to loans | -0.0590% | 5,606 |
| Credit loss provision to net charge-offs | -67.5676% | 4,843 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7955% | 4,546 |
| Assets per employee ($millions) | 7.8038% | 581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8937% | 301 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2545% | 4,856 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 55.4869% | 4,388 |
| Net loans and leases to deposits | 63.4977% | 4,576 |
| Net loans and leases to core deposits | 69.1668% | 4,394 |
| Total domestic deposits to total assets | 87.3842% | 1,973 |
| Equity capital to assets | 11.2058% | 2,667 |
| Core capital (leverage) ratio | 12.2577% | 1,506 |
| Tier 1 risk-based capital ratio | 15.6576% | 3,016 |
| Total risk-based capital ratio | 16.9208% | 2,967 |
| Memoranda: | ||
| Average total assets | $218,009,000 | 2,804 |
| Average earning assets | $203,936,670 | 2,772 |
| Average equity | $24,870,000 | 2,731 |
| Average total loans | $125,505,670 | 2,989 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0139% | 3,183 |
| Cost of funding earning assets | 0.2307% | 5,208 |
| Net interest margin | 3.7833% | 2,286 |
| Noninterest income to average assets | 0.4882% | 3,363 |
| Noninterest expense to average assets | 2.6017% | 3,910 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8604% | 2,960 |
| Return on assets (ROA) | 0.8604% | 3,077 |
| Pretax return on assets | 1.4140% | 1,841 |
| Return on Equity (ROE) | 7.4721% | 3,235 |
| Retained earnings to average equity (ytd only) | 7.4721% | 1,779 |
| Net charge-offs to loans | -0.0809% | 5,752 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7881% | 4,346 |
| Assets per employee ($millions) | 6.5925% | 1,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9844% | 300 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2735% | 4,853 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 57.0911% | 4,079 |
| Net loans and leases to deposits | 65.8092% | 4,170 |
| Net loans and leases to core deposits | 72.4438% | 3,920 |
| Total domestic deposits to total assets | 86.7525% | 2,526 |
| Equity capital to assets | 11.7818% | 2,213 |
| Core capital (leverage) ratio | 11.6970% | 1,854 |
| Tier 1 risk-based capital ratio | 16.0297% | 2,907 |
| Total risk-based capital ratio | 17.2938% | 2,833 |
| Memoranda: | ||
| Average total assets | $213,858,000 | 2,864 |
| Average earning assets | $199,405,000 | 2,843 |
| Average equity | $24,625,000 | 2,777 |
| Average total loans | $123,601,000 | 3,027 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3931% | 383 |
| Cost of funding earning assets | 0.2314% | 5,507 |
| Net interest margin | 5.1617% | 223 |
| Noninterest income to average assets | 0.5280% | 3,304 |
| Noninterest expense to average assets | 2.8823% | 3,201 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.4446% | 992 |
| Return on assets (ROA) | 1.4446% | 1,023 |
| Pretax return on assets | 2.4180% | 222 |
| Return on Equity (ROE) | 12.8210% | 1,179 |
| Retained earnings to average equity (ytd only) | 12.8210% | 238 |
| Net charge-offs to loans | -0.3762% | 6,362 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3799% | 5,809 |
| Assets per employee ($millions) | 6.9921% | 847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9905% | 302 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5887% | 3,822 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 55.0746% | 4,443 |
| Net loans and leases to deposits | 63.2867% | 4,601 |
| Net loans and leases to core deposits | 69.8855% | 4,338 |
| Total domestic deposits to total assets | 87.0241% | 2,274 |
| Equity capital to assets | 11.2546% | 2,648 |
| Core capital (leverage) ratio | 11.2034% | 2,215 |
| Tier 1 risk-based capital ratio | 16.1298% | 2,906 |
| Total risk-based capital ratio | 17.3946% | 2,836 |
| Memoranda: | ||
| Average total assets | $200,952,800 | 2,981 |
| Average earning assets | $185,792,400 | 2,965 |
| Average equity | $22,642,600 | 2,889 |
| Average total loans | $117,480,000 | 3,089 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3166% | 2,554 |
| Cost of funding earning assets | 0.2291% | 5,596 |
| Net interest margin | 4.0876% | 1,617 |
| Noninterest income to average assets | 0.5753% | 3,027 |
| Noninterest expense to average assets | 2.8121% | 3,414 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9238% | 2,801 |
| Return on assets (ROA) | 0.9238% | 2,898 |
| Pretax return on assets | 1.5309% | 1,539 |
| Return on Equity (ROE) | 8.1963% | 3,097 |
| Retained earnings to average equity (ytd only) | 8.1963% | 1,268 |
| Net charge-offs to loans | -0.5077% | 6,461 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7499% | 4,424 |
| Assets per employee ($millions) | 6.3992% | 1,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1701% | 298 |
| Loan loss allowance to noncurrent loans | 128.6713% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 1.9586% | 1,475 |
| Noncurrent loans to loans | 2.4637% | 1,198 |
| Net loans and leases to total assets | 53.2279% | 4,668 |
| Net loans and leases to deposits | 60.6576% | 4,881 |
| Net loans and leases to core deposits | 65.2166% | 4,785 |
| Total domestic deposits to total assets | 87.7514% | 1,898 |
| Equity capital to assets | 10.8233% | 3,155 |
| Core capital (leverage) ratio | 10.9377% | 2,547 |
| Tier 1 risk-based capital ratio | 15.9643% | 3,075 |
| Total risk-based capital ratio | 17.2266% | 3,018 |
| Memoranda: | ||
| Average total assets | $197,002,250 | 3,050 |
| Average earning assets | $181,587,500 | 3,039 |
| Average equity | $22,204,500 | 2,932 |
| Average total loans | $116,085,750 | 3,129 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4425% | 2,020 |
| Cost of funding earning assets | 0.2301% | 5,661 |
| Net interest margin | 4.2124% | 1,209 |
| Noninterest income to average assets | 0.6647% | 2,463 |
| Noninterest expense to average assets | 2.8428% | 3,360 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0266% | 2,218 |
| Return on assets (ROA) | 1.0266% | 2,282 |
| Pretax return on assets | 1.6882% | 1,045 |
| Return on Equity (ROE) | 8.9779% | 2,611 |
| Retained earnings to average equity (ytd only) | 8.9779% | 991 |
| Net charge-offs to loans | -0.3894% | 6,479 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7410% | 4,902 |
| Assets per employee ($millions) | 6.2215% | 1,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0548% | 360 |
| Loan loss allowance to noncurrent loans | 117.3044% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 2.1242% | 1,457 |
| Noncurrent loans to loans | 2.6042% | 1,178 |
| Net loans and leases to total assets | 55.2173% | 4,382 |
| Net loans and leases to deposits | 63.2791% | 4,564 |
| Net loans and leases to core deposits | 68.2950% | 4,436 |
| Total domestic deposits to total assets | 87.2599% | 2,317 |
| Equity capital to assets | 11.2905% | 2,620 |
| Core capital (leverage) ratio | 11.5664% | 1,952 |
| Tier 1 risk-based capital ratio | 16.3480% | 2,906 |
| Total risk-based capital ratio | 17.6141% | 2,852 |
| Memoranda: | ||
| Average total assets | $192,278,000 | 3,119 |
| Average earning assets | $176,479,000 | 3,123 |
| Average equity | $21,987,330 | 2,948 |
| Average total loans | $116,086,330 | 3,136 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8376% | 974 |
| Cost of funding earning assets | 0.2295% | 5,758 |
| Net interest margin | 4.6082% | 546 |
| Noninterest income to average assets | 0.4680% | 3,649 |
| Noninterest expense to average assets | 2.9353% | 3,097 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0631% | 1,956 |
| Return on assets (ROA) | 1.0631% | 2,028 |
| Pretax return on assets | 1.7430% | 890 |
| Return on Equity (ROE) | 9.2356% | 2,357 |
| Retained earnings to average equity (ytd only) | 9.2356% | 1,181 |
| Net charge-offs to loans | -0.3508% | 6,509 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7433% | 5,030 |
| Assets per employee ($millions) | 5.8637% | 1,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8280% | 522 |
| Loan loss allowance to noncurrent loans | 85.5570% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 3.4700% | 753 |
| Noncurrent loans to loans | 3.3055% | 923 |
| Net loans and leases to total assets | 61.1800% | 3,367 |
| Net loans and leases to deposits | 70.5241% | 3,532 |
| Net loans and leases to core deposits | 76.6903% | 3,344 |
| Total domestic deposits to total assets | 86.7506% | 2,964 |
| Equity capital to assets | 11.7210% | 2,087 |
| Core capital (leverage) ratio | 11.5789% | 1,912 |
| Tier 1 risk-based capital ratio | 16.0064% | 3,169 |
| Total risk-based capital ratio | 17.2368% | 3,129 |
| Memoranda: | ||
| Average total assets | $188,873,000 | 3,180 |
| Average earning assets | $172,563,500 | 3,187 |
| Average equity | $21,742,000 | 2,966 |
| Average total loans | $117,432,000 | 3,128 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0709% | 3,842 |
| Cost of funding earning assets | 0.2536% | 5,942 |
| Net interest margin | 3.8173% | 2,588 |
| Noninterest income to average assets | 0.5468% | 3,426 |
| Noninterest expense to average assets | 2.7767% | 3,807 |
| Loan and lease loss provision to assets | 0.1053% | 3,035 |
| Net operating income to assets | 0.7110% | 3,749 |
| Return on assets (ROA) | 0.7110% | 3,829 |
| Pretax return on assets | 1.1663% | 2,703 |
| Return on Equity (ROE) | 6.4984% | 3,834 |
| Retained earnings to average equity (ytd only) | 6.4984% | 1,690 |
| Net charge-offs to loans | 0.0500% | 4,523 |
| Credit loss provision to net charge-offs | 357.1429% | 638 |
| Earnings coverage of net charge-offs (x) | 43.1429% | 887 |
| Efficiency ratio | 68.5907% | 4,081 |
| Assets per employee ($millions) | 5.9409% | 1,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7740% | 621 |
| Loan loss allowance to noncurrent loans | 52.9604% | 5,135 |
| Noncurrent assets plus other real estate owned to assets | 4.4943% | 558 |
| Noncurrent loans to loans | 5.2379% | 452 |
| Net loans and leases to total assets | 59.6966% | 3,772 |
| Net loans and leases to deposits | 68.5571% | 3,967 |
| Net loans and leases to core deposits | 74.4110% | 3,794 |
| Total domestic deposits to total assets | 87.0758% | 2,683 |
| Equity capital to assets | 11.3046% | 2,336 |
| Core capital (leverage) ratio | 10.9147% | 2,464 |
| Tier 1 risk-based capital ratio | 15.6065% | 3,303 |
| Total risk-based capital ratio | 16.8705% | 3,251 |
| Memoranda: | ||
| Average total assets | $190,007,000 | 3,157 |
| Average earning assets | $174,284,600 | 3,163 |
| Average equity | $20,789,600 | 3,071 |
| Average total loans | $111,987,800 | 3,211 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0518% | 3,930 |
| Cost of funding earning assets | 0.2476% | 6,107 |
| Net interest margin | 3.8041% | 2,627 |
| Noninterest income to average assets | 0.5699% | 3,335 |
| Noninterest expense to average assets | 2.8107% | 3,625 |
| Loan and lease loss provision to assets | 0.1404% | 2,537 |
| Net operating income to assets | 0.6688% | 4,019 |
| Return on assets (ROA) | 0.6688% | 4,161 |
| Pretax return on assets | 1.1011% | 3,103 |
| Return on Equity (ROE) | 6.1638% | 4,098 |
| Retained earnings to average equity (ytd only) | 6.1638% | 2,305 |
| Net charge-offs to loans | 0.0614% | 4,025 |
| Credit loss provision to net charge-offs | 392.1569% | 680 |
| Earnings coverage of net charge-offs (x) | 34.6854% | 1,105 |
| Efficiency ratio | 69.3627% | 3,856 |
| Assets per employee ($millions) | 6.0544% | 1,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8006% | 674 |
| Loan loss allowance to noncurrent loans | 46.4148% | 5,385 |
| Noncurrent assets plus other real estate owned to assets | 4.8611% | 586 |
| Noncurrent loans to loans | 6.0339% | 423 |
| Net loans and leases to total assets | 58.0946% | 3,995 |
| Net loans and leases to deposits | 66.3200% | 4,265 |
| Net loans and leases to core deposits | 72.6955% | 4,006 |
| Total domestic deposits to total assets | 87.5974% | 2,360 |
| Equity capital to assets | 10.8872% | 2,875 |
| Core capital (leverage) ratio | 10.9446% | 2,534 |
| Tier 1 risk-based capital ratio | 15.2075% | 3,623 |
| Total risk-based capital ratio | 16.4717% | 3,567 |
| Memoranda: | ||
| Average total assets | $189,981,750 | 3,181 |
| Average earning assets | $173,911,250 | 3,192 |
| Average equity | $20,614,250 | 3,122 |
| Average total loans | $110,803,250 | 3,249 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0936% | 3,757 |
| Cost of funding earning assets | 0.2488% | 6,177 |
| Net interest margin | 3.8447% | 2,397 |
| Noninterest income to average assets | 0.6337% | 2,999 |
| Noninterest expense to average assets | 2.7998% | 3,678 |
| Loan and lease loss provision to assets | 0.1590% | 2,333 |
| Net operating income to assets | 0.7227% | 3,706 |
| Return on assets (ROA) | 0.7227% | 3,872 |
| Pretax return on assets | 1.1954% | 2,692 |
| Return on Equity (ROE) | 6.6684% | 3,794 |
| Retained earnings to average equity (ytd only) | 6.6684% | 2,058 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3980% | 4,286 |
| Assets per employee ($millions) | 5.5094% | 1,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8669% | 660 |
| Loan loss allowance to noncurrent loans | 40.4086% | 5,606 |
| Noncurrent assets plus other real estate owned to assets | 5.5835% | 515 |
| Noncurrent loans to loans | 7.0949% | 331 |
| Net loans and leases to total assets | 58.6736% | 3,874 |
| Net loans and leases to deposits | 67.1678% | 4,119 |
| Net loans and leases to core deposits | 74.8998% | 3,682 |
| Total domestic deposits to total assets | 87.3538% | 2,616 |
| Equity capital to assets | 11.1157% | 2,643 |
| Core capital (leverage) ratio | 11.0987% | 2,267 |
| Tier 1 risk-based capital ratio | 15.6728% | 3,383 |
| Total risk-based capital ratio | 16.9381% | 3,320 |
| Memoranda: | ||
| Average total assets | $188,728,670 | 3,213 |
| Average earning assets | $172,808,000 | 3,213 |
| Average equity | $20,454,670 | 3,162 |
| Average total loans | $109,139,000 | 3,294 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0413% | 3,947 |
| Cost of funding earning assets | 0.2475% | 6,306 |
| Net interest margin | 3.7938% | 2,474 |
| Noninterest income to average assets | 0.4603% | 4,047 |
| Noninterest expense to average assets | 2.8570% | 3,515 |
| Loan and lease loss provision to assets | 0.1584% | 2,286 |
| Net operating income to assets | 0.5532% | 4,438 |
| Return on assets (ROA) | 0.5532% | 4,592 |
| Pretax return on assets | 0.9080% | 3,728 |
| Return on Equity (ROE) | 5.1699% | 4,477 |
| Retained earnings to average equity (ytd only) | 5.1699% | 3,130 |
| Net charge-offs to loans | -0.0635% | 6,236 |
| Credit loss provision to net charge-offs | -441.1765% | 5,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8202% | 3,467 |
| Assets per employee ($millions) | 5.5231% | 1,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8914% | 738 |
| Loan loss allowance to noncurrent loans | 41.3176% | 5,546 |
| Noncurrent assets plus other real estate owned to assets | 5.5622% | 613 |
| Noncurrent loans to loans | 6.9980% | 422 |
| Net loans and leases to total assets | 56.9817% | 3,928 |
| Net loans and leases to deposits | 65.0423% | 4,177 |
| Net loans and leases to core deposits | 71.6213% | 3,862 |
| Total domestic deposits to total assets | 87.6071% | 2,566 |
| Equity capital to assets | 10.8646% | 3,120 |
| Core capital (leverage) ratio | 10.9124% | 2,338 |
| Tier 1 risk-based capital ratio | 15.2141% | 3,700 |
| Total risk-based capital ratio | 16.4781% | 3,644 |
| Memoranda: | ||
| Average total assets | $189,432,500 | 3,232 |
| Average earning assets | $172,914,500 | 3,243 |
| Average equity | $20,271,000 | 3,220 |
| Average total loans | $107,132,500 | 3,354 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4947% | 3,408 |
| Cost of funding earning assets | 0.3719% | 6,098 |
| Net interest margin | 4.1228% | 1,909 |
| Noninterest income to average assets | 0.4841% | 4,009 |
| Noninterest expense to average assets | 3.0987% | 2,926 |
| Loan and lease loss provision to assets | 0.3435% | 1,951 |
| Net operating income to assets | 0.4788% | 4,765 |
| Return on assets (ROA) | 0.4788% | 5,015 |
| Pretax return on assets | 0.7854% | 4,344 |
| Return on Equity (ROE) | 4.6045% | 4,878 |
| Retained earnings to average equity (ytd only) | 4.6045% | 2,983 |
| Net charge-offs to loans | 0.1407% | 4,289 |
| Credit loss provision to net charge-offs | 422.0779% | 571 |
| Earnings coverage of net charge-offs (x) | 13.8701% | 1,783 |
| Efficiency ratio | 73.2967% | 3,190 |
| Assets per employee ($millions) | 5.4594% | 1,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9968% | 666 |
| Loan loss allowance to noncurrent loans | 35.2151% | 5,850 |
| Noncurrent assets plus other real estate owned to assets | 6.0488% | 570 |
| Noncurrent loans to loans | 8.5101% | 329 |
| Net loans and leases to total assets | 52.8349% | 4,783 |
| Net loans and leases to deposits | 59.9885% | 5,024 |
| Net loans and leases to core deposits | 66.2117% | 4,719 |
| Total domestic deposits to total assets | 88.0752% | 2,191 |
| Equity capital to assets | 10.5401% | 3,480 |
| Core capital (leverage) ratio | 10.0660% | 3,315 |
| Tier 1 risk-based capital ratio | 15.2592% | 3,575 |
| Total risk-based capital ratio | 16.5244% | 3,513 |
| Memoranda: | ||
| Average total assets | $189,207,400 | 3,189 |
| Average earning assets | $171,801,000 | 3,205 |
| Average equity | $19,676,400 | 3,233 |
| Average total loans | $109,488,200 | 3,307 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5382% | 3,475 |
| Cost of funding earning assets | 0.4005% | 6,116 |
| Net interest margin | 4.1378% | 1,942 |
| Noninterest income to average assets | 0.4980% | 3,943 |
| Noninterest expense to average assets | 3.1549% | 2,701 |
| Loan and lease loss provision to assets | 0.3885% | 1,659 |
| Net operating income to assets | 0.4352% | 5,100 |
| Return on assets (ROA) | 0.4352% | 5,334 |
| Pretax return on assets | 0.7064% | 4,838 |
| Return on Equity (ROE) | 4.1988% | 5,199 |
| Retained earnings to average equity (ytd only) | 4.1988% | 3,937 |
| Net charge-offs to loans | 0.1143% | 4,242 |
| Credit loss provision to net charge-offs | 578.9474% | 453 |
| Earnings coverage of net charge-offs (x) | 16.3163% | 1,700 |
| Efficiency ratio | 74.2354% | 2,946 |
| Assets per employee ($millions) | 5.7506% | 1,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8191% | 870 |
| Loan loss allowance to noncurrent loans | 36.5688% | 5,824 |
| Noncurrent assets plus other real estate owned to assets | 5.8587% | 699 |
| Noncurrent loans to loans | 7.7090% | 425 |
| Net loans and leases to total assets | 55.9132% | 4,468 |
| Net loans and leases to deposits | 63.4317% | 4,784 |
| Net loans and leases to core deposits | 69.7355% | 4,529 |
| Total domestic deposits to total assets | 88.1472% | 1,956 |
| Equity capital to assets | 10.4601% | 3,892 |
| Core capital (leverage) ratio | 10.2632% | 3,208 |
| Tier 1 risk-based capital ratio | 14.5287% | 4,168 |
| Total risk-based capital ratio | 15.7917% | 4,128 |
| Memoranda: | ||
| Average total assets | $188,739,250 | 3,221 |
| Average earning assets | $171,134,250 | 3,247 |
| Average equity | $19,560,500 | 3,286 |
| Average total loans | $110,841,250 | 3,311 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5600% | 3,528 |
| Cost of funding earning assets | 0.4187% | 6,172 |
| Net interest margin | 4.1413% | 1,938 |
| Noninterest income to average assets | 0.5499% | 3,585 |
| Noninterest expense to average assets | 3.1434% | 2,769 |
| Loan and lease loss provision to assets | 0.3716% | 1,763 |
| Net operating income to assets | 0.4851% | 4,885 |
| Return on assets (ROA) | 0.4851% | 5,136 |
| Pretax return on assets | 0.7941% | 4,494 |
| Return on Equity (ROE) | 4.6958% | 4,958 |
| Retained earnings to average equity (ytd only) | 4.6958% | 3,487 |
| Net charge-offs to loans | 0.2029% | 3,362 |
| Credit loss provision to net charge-offs | 309.7345% | 951 |
| Earnings coverage of net charge-offs (x) | 9.7168% | 2,138 |
| Efficiency ratio | 72.9490% | 3,247 |
| Assets per employee ($millions) | 5.5888% | 1,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5882% | 1,165 |
| Loan loss allowance to noncurrent loans | 33.3294% | 6,003 |
| Noncurrent assets plus other real estate owned to assets | 5.5958% | 788 |
| Noncurrent loans to loans | 7.7656% | 455 |
| Net loans and leases to total assets | 56.6473% | 4,373 |
| Net loans and leases to deposits | 64.1799% | 4,741 |
| Net loans and leases to core deposits | 70.9016% | 4,428 |
| Total domestic deposits to total assets | 88.2632% | 1,978 |
| Equity capital to assets | 10.3627% | 3,856 |
| Core capital (leverage) ratio | 10.0543% | 3,349 |
| Tier 1 risk-based capital ratio | 14.3422% | 4,216 |
| Total risk-based capital ratio | 15.6025% | 4,168 |
| Memoranda: | ||
| Average total assets | $188,396,000 | 3,236 |
| Average earning assets | $171,009,000 | 3,261 |
| Average equity | $19,464,000 | 3,289 |
| Average total loans | $111,393,670 | 3,302 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6167% | 3,428 |
| Cost of funding earning assets | 0.4308% | 6,250 |
| Net interest margin | 4.1859% | 1,794 |
| Noninterest income to average assets | 0.5352% | 3,664 |
| Noninterest expense to average assets | 2.8680% | 3,755 |
| Loan and lease loss provision to assets | 0.6397% | 866 |
| Net operating income to assets | 0.4968% | 4,844 |
| Return on assets (ROA) | 0.4968% | 5,049 |
| Pretax return on assets | 0.8188% | 4,347 |
| Return on Equity (ROE) | 4.8164% | 4,873 |
| Retained earnings to average equity (ytd only) | 4.8164% | 3,663 |
| Net charge-offs to loans | -0.3183% | 7,083 |
| Credit loss provision to net charge-offs | -337.0787% | 5,706 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2888% | 4,506 |
| Assets per employee ($millions) | 5.7429% | 1,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7661% | 1,038 |
| Loan loss allowance to noncurrent loans | 34.1768% | 5,956 |
| Noncurrent assets plus other real estate owned to assets | 6.0580% | 774 |
| Noncurrent loans to loans | 8.0936% | 476 |
| Net loans and leases to total assets | 55.8662% | 4,412 |
| Net loans and leases to deposits | 63.2511% | 4,734 |
| Net loans and leases to core deposits | 70.2179% | 4,380 |
| Total domestic deposits to total assets | 88.3245% | 2,115 |
| Equity capital to assets | 10.2719% | 3,763 |
| Core capital (leverage) ratio | 10.2761% | 3,024 |
| Tier 1 risk-based capital ratio | 14.5812% | 4,038 |
| Total risk-based capital ratio | 15.8410% | 3,989 |
| Memoranda: | ||
| Average total assets | $187,585,000 | 3,264 |
| Average earning assets | $169,904,000 | 3,289 |
| Average equity | $19,350,500 | 3,302 |
| Average total loans | $111,840,500 | 3,312 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0174% | 2,803 |
| Cost of funding earning assets | 0.5305% | 6,417 |
| Net interest margin | 4.4869% | 1,167 |
| Noninterest income to average assets | 0.3858% | 4,738 |
| Noninterest expense to average assets | 2.8346% | 4,220 |
| Loan and lease loss provision to assets | 0.8134% | 1,201 |
| Net operating income to assets | 0.4816% | 4,501 |
| Return on assets (ROA) | 0.4816% | 4,710 |
| Pretax return on assets | 0.7888% | 4,021 |
| Return on Equity (ROE) | 4.8026% | 4,478 |
| Retained earnings to average equity (ytd only) | 4.8026% | 2,784 |
| Net charge-offs to loans | 1.3579% | 1,216 |
| Credit loss provision to net charge-offs | 91.9540% | 3,924 |
| Earnings coverage of net charge-offs (x) | 1.8113% | 4,428 |
| Efficiency ratio | 63.8886% | 5,145 |
| Assets per employee ($millions) | 5.4604% | 1,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2850% | 1,642 |
| Loan loss allowance to noncurrent loans | 29.7359% | 6,216 |
| Noncurrent assets plus other real estate owned to assets | 6.1890% | 781 |
| Noncurrent loans to loans | 7.6843% | 534 |
| Net loans and leases to total assets | 60.4192% | 3,913 |
| Net loans and leases to deposits | 68.4464% | 4,375 |
| Net loans and leases to core deposits | 76.5796% | 3,894 |
| Total domestic deposits to total assets | 88.2722% | 1,981 |
| Equity capital to assets | 10.3602% | 3,699 |
| Core capital (leverage) ratio | 9.9289% | 3,423 |
| Tier 1 risk-based capital ratio | 13.9474% | 4,360 |
| Total risk-based capital ratio | 15.2056% | 4,313 |
| Memoranda: | ||
| Average total assets | $186,868,600 | 3,236 |
| Average earning assets | $168,712,800 | 3,267 |
| Average equity | $18,739,800 | 3,319 |
| Average total loans | $121,729,800 | 3,143 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8677% | 3,693 |
| Cost of funding earning assets | 0.5627% | 6,460 |
| Net interest margin | 4.3050% | 1,695 |
| Noninterest income to average assets | 0.3825% | 4,786 |
| Noninterest expense to average assets | 2.8152% | 4,284 |
| Loan and lease loss provision to assets | 0.8691% | 1,047 |
| Net operating income to assets | 0.3647% | 5,141 |
| Return on assets (ROA) | 0.3647% | 5,331 |
| Pretax return on assets | 0.5841% | 4,866 |
| Return on Equity (ROE) | 3.6670% | 5,142 |
| Retained earnings to average equity (ytd only) | 3.6670% | 4,144 |
| Net charge-offs to loans | 0.8510% | 1,871 |
| Credit loss provision to net charge-offs | 154.8223% | 2,006 |
| Earnings coverage of net charge-offs (x) | 2.5888% | 3,824 |
| Efficiency ratio | 65.9546% | 4,731 |
| Assets per employee ($millions) | 5.6724% | 1,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6225% | 1,239 |
| Loan loss allowance to noncurrent loans | 31.3759% | 6,179 |
| Noncurrent assets plus other real estate owned to assets | 6.6558% | 764 |
| Noncurrent loans to loans | 8.3585% | 510 |
| Net loans and leases to total assets | 62.7411% | 3,561 |
| Net loans and leases to deposits | 70.9166% | 4,152 |
| Net loans and leases to core deposits | 78.2523% | 3,862 |
| Total domestic deposits to total assets | 88.4716% | 1,774 |
| Equity capital to assets | 10.0678% | 4,254 |
| Core capital (leverage) ratio | 9.7510% | 3,770 |
| Tier 1 risk-based capital ratio | 13.0318% | 5,077 |
| Total risk-based capital ratio | 14.2938% | 5,035 |
| Memoranda: | ||
| Average total assets | $187,172,500 | 3,245 |
| Average earning assets | $168,945,000 | 3,274 |
| Average equity | $18,616,250 | 3,336 |
| Average total loans | $123,464,000 | 3,135 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9938% | 3,180 |
| Cost of funding earning assets | 0.5803% | 6,540 |
| Net interest margin | 4.4135% | 1,330 |
| Noninterest income to average assets | 0.3708% | 4,902 |
| Noninterest expense to average assets | 2.8349% | 4,289 |
| Loan and lease loss provision to assets | 0.9831% | 886 |
| Net operating income to assets | 0.3280% | 5,261 |
| Return on assets (ROA) | 0.3280% | 5,394 |
| Pretax return on assets | 0.5268% | 4,976 |
| Return on Equity (ROE) | 3.3118% | 5,253 |
| Retained earnings to average equity (ytd only) | 3.3118% | 4,151 |
| Net charge-offs to loans | 1.0835% | 1,455 |
| Credit loss provision to net charge-offs | 136.4985% | 2,235 |
| Earnings coverage of net charge-offs (x) | 2.0964% | 3,804 |
| Efficiency ratio | 65.2484% | 5,014 |
| Assets per employee ($millions) | 5.1733% | 1,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4646% | 1,505 |
| Loan loss allowance to noncurrent loans | 27.7421% | 6,392 |
| Noncurrent assets plus other real estate owned to assets | 7.1602% | 699 |
| Noncurrent loans to loans | 8.8839% | 472 |
| Net loans and leases to total assets | 63.2599% | 3,626 |
| Net loans and leases to deposits | 71.3644% | 4,223 |
| Net loans and leases to core deposits | 79.5998% | 3,847 |
| Total domestic deposits to total assets | 88.6436% | 1,754 |
| Equity capital to assets | 10.0092% | 4,140 |
| Core capital (leverage) ratio | 10.0710% | 3,173 |
| Tier 1 risk-based capital ratio | 13.2047% | 4,768 |
| Total risk-based capital ratio | 14.4654% | 4,733 |
| Memoranda: | ||
| Average total assets | $187,166,670 | 3,266 |
| Average earning assets | $168,528,330 | 3,301 |
| Average equity | $18,539,670 | 3,328 |
| Average total loans | $124,416,000 | 3,138 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1096% | 2,600 |
| Cost of funding earning assets | 0.5854% | 6,666 |
| Net interest margin | 4.5242% | 1,016 |
| Noninterest income to average assets | 0.3901% | 4,786 |
| Noninterest expense to average assets | 2.9846% | 3,707 |
| Loan and lease loss provision to assets | 0.7355% | 1,155 |
| Net operating income to assets | 0.4605% | 4,659 |
| Return on assets (ROA) | 0.4605% | 4,745 |
| Pretax return on assets | 0.7397% | 4,146 |
| Return on Equity (ROE) | 4.6730% | 4,570 |
| Retained earnings to average equity (ytd only) | 4.6730% | 3,394 |
| Net charge-offs to loans | 0.0158% | 4,860 |
| Credit loss provision to net charge-offs | 6,900.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 138.4000% | 228 |
| Efficiency ratio | 66.9216% | 4,868 |
| Assets per employee ($millions) | 5.2953% | 1,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4238% | 1,575 |
| Loan loss allowance to noncurrent loans | 37.9511% | 5,769 |
| Noncurrent assets plus other real estate owned to assets | 5.6917% | 1,045 |
| Noncurrent loans to loans | 6.3866% | 954 |
| Net loans and leases to total assets | 64.8539% | 3,274 |
| Net loans and leases to deposits | 72.9133% | 3,936 |
| Net loans and leases to core deposits | 82.7833% | 3,337 |
| Total domestic deposits to total assets | 88.9467% | 1,804 |
| Equity capital to assets | 9.7555% | 4,100 |
| Core capital (leverage) ratio | 9.9350% | 3,219 |
| Tier 1 risk-based capital ratio | 12.4748% | 5,290 |
| Total risk-based capital ratio | 13.7349% | 5,256 |
| Memoranda: | ||
| Average total assets | $187,631,000 | 3,271 |
| Average earning assets | $168,780,000 | 3,317 |
| Average equity | $18,489,000 | 3,328 |
| Average total loans | $126,228,500 | 3,131 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2388% | 3,416 |
| Cost of funding earning assets | 0.7393% | 6,765 |
| Net interest margin | 4.4995% | 1,225 |
| Noninterest income to average assets | 0.3856% | 5,017 |
| Noninterest expense to average assets | 3.0129% | 3,797 |
| Loan and lease loss provision to assets | 0.5299% | 3,033 |
| Net operating income to assets | 0.5468% | 3,898 |
| Return on assets (ROA) | 0.5468% | 4,054 |
| Pretax return on assets | 0.8899% | 3,332 |
| Return on Equity (ROE) | 5.5982% | 3,789 |
| Retained earnings to average equity (ytd only) | 5.5982% | 2,061 |
| Net charge-offs to loans | 0.8065% | 2,614 |
| Credit loss provision to net charge-offs | 99.1845% | 4,664 |
| Earnings coverage of net charge-offs (x) | 2.6575% | 3,769 |
| Efficiency ratio | 67.9690% | 4,571 |
| Assets per employee ($millions) | 5.4304% | 1,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1717% | 1,922 |
| Loan loss allowance to noncurrent loans | 31.8521% | 6,184 |
| Noncurrent assets plus other real estate owned to assets | 6.2362% | 926 |
| Noncurrent loans to loans | 6.8180% | 845 |
| Net loans and leases to total assets | 66.6320% | 3,322 |
| Net loans and leases to deposits | 75.0783% | 4,006 |
| Net loans and leases to core deposits | 86.1881% | 3,297 |
| Total domestic deposits to total assets | 88.7501% | 1,800 |
| Equity capital to assets | 9.9555% | 3,802 |
| Core capital (leverage) ratio | 9.5259% | 3,675 |
| Tier 1 risk-based capital ratio | 12.4605% | 5,059 |
| Total risk-based capital ratio | 13.7188% | 5,036 |
| Memoranda: | ||
| Average total assets | $183,613,000 | 3,318 |
| Average earning assets | $165,152,000 | 3,361 |
| Average equity | $17,934,400 | 3,435 |
| Average total loans | $121,640,600 | 3,285 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3546% | 3,096 |
| Cost of funding earning assets | 0.7651% | 6,866 |
| Net interest margin | 4.5895% | 1,067 |
| Noninterest income to average assets | 0.3825% | 5,091 |
| Noninterest expense to average assets | 3.0446% | 3,595 |
| Loan and lease loss provision to assets | 0.6690% | 2,287 |
| Net operating income to assets | 0.4923% | 4,349 |
| Return on assets (ROA) | 0.4923% | 4,550 |
| Pretax return on assets | 0.7955% | 3,926 |
| Return on Equity (ROE) | 5.0645% | 4,254 |
| Retained earnings to average equity (ytd only) | 5.0645% | 2,941 |
| Net charge-offs to loans | 0.8258% | 2,387 |
| Credit loss provision to net charge-offs | 123.1593% | 3,333 |
| Earnings coverage of net charge-offs (x) | 2.6961% | 3,797 |
| Efficiency ratio | 67.5214% | 4,558 |
| Assets per employee ($millions) | 5.2875% | 1,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3455% | 1,556 |
| Loan loss allowance to noncurrent loans | 54.9434% | 4,633 |
| Noncurrent assets plus other real estate owned to assets | 4.3288% | 1,568 |
| Noncurrent loans to loans | 4.2690% | 1,704 |
| Net loans and leases to total assets | 63.6923% | 4,182 |
| Net loans and leases to deposits | 71.3700% | 4,931 |
| Net loans and leases to core deposits | 82.2366% | 4,213 |
| Total domestic deposits to total assets | 89.2425% | 1,255 |
| Equity capital to assets | 9.4846% | 4,872 |
| Core capital (leverage) ratio | 9.4270% | 4,021 |
| Tier 1 risk-based capital ratio | 12.2900% | 5,191 |
| Total risk-based capital ratio | 13.5456% | 5,156 |
| Memoranda: | ||
| Average total assets | $183,358,250 | 3,373 |
| Average earning assets | $164,864,750 | 3,406 |
| Average equity | $17,822,750 | 3,503 |
| Average total loans | $120,612,000 | 3,357 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3095% | 3,426 |
| Cost of funding earning assets | 0.8028% | 6,910 |
| Net interest margin | 4.5067% | 1,194 |
| Noninterest income to average assets | 0.3834% | 5,057 |
| Noninterest expense to average assets | 3.0581% | 3,481 |
| Loan and lease loss provision to assets | 0.4972% | 2,810 |
| Net operating income to assets | 0.5436% | 4,125 |
| Return on assets (ROA) | 0.5436% | 4,274 |
| Pretax return on assets | 0.8783% | 3,587 |
| Return on Equity (ROE) | 5.5450% | 4,023 |
| Retained earnings to average equity (ytd only) | 5.5450% | 2,584 |
| Net charge-offs to loans | 0.8440% | 2,139 |
| Credit loss provision to net charge-offs | 89.2857% | 4,443 |
| Earnings coverage of net charge-offs (x) | 2.4702% | 3,759 |
| Efficiency ratio | 68.9758% | 4,384 |
| Assets per employee ($millions) | 4.8880% | 2,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2582% | 1,656 |
| Loan loss allowance to noncurrent loans | 36.9021% | 5,899 |
| Noncurrent assets plus other real estate owned to assets | 5.7999% | 1,035 |
| Noncurrent loans to loans | 6.1195% | 1,034 |
| Net loans and leases to total assets | 62.5666% | 4,567 |
| Net loans and leases to deposits | 70.2036% | 5,245 |
| Net loans and leases to core deposits | 81.7808% | 4,445 |
| Total domestic deposits to total assets | 89.1215% | 1,368 |
| Equity capital to assets | 9.6203% | 4,517 |
| Core capital (leverage) ratio | 9.8221% | 3,370 |
| Tier 1 risk-based capital ratio | 12.8166% | 4,592 |
| Total risk-based capital ratio | 14.0754% | 4,545 |
| Memoranda: | ||
| Average total assets | $181,027,330 | 3,430 |
| Average earning assets | $162,690,330 | 3,467 |
| Average equity | $17,745,670 | 3,502 |
| Average total loans | $119,432,330 | 3,414 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7401% | 1,638 |
| Cost of funding earning assets | 0.8463% | 6,955 |
| Net interest margin | 4.8938% | 525 |
| Noninterest income to average assets | 0.3918% | 4,986 |
| Noninterest expense to average assets | 2.8947% | 4,083 |
| Loan and lease loss provision to assets | 0.6716% | 1,889 |
| Net operating income to assets | 0.7657% | 3,131 |
| Return on assets (ROA) | 0.7657% | 3,246 |
| Pretax return on assets | 1.2268% | 2,276 |
| Return on Equity (ROE) | 7.7358% | 3,008 |
| Retained earnings to average equity (ytd only) | 7.7358% | 1,822 |
| Net charge-offs to loans | 1.0994% | 1,528 |
| Credit loss provision to net charge-offs | 91.1854% | 3,640 |
| Earnings coverage of net charge-offs (x) | 2.5775% | 3,249 |
| Efficiency ratio | 60.3923% | 6,098 |
| Assets per employee ($millions) | 4.9666% | 2,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1991% | 1,755 |
| Loan loss allowance to noncurrent loans | 65.6465% | 4,081 |
| Noncurrent assets plus other real estate owned to assets | 4.4251% | 1,534 |
| Noncurrent loans to loans | 3.3499% | 2,388 |
| Net loans and leases to total assets | 64.0246% | 4,322 |
| Net loans and leases to deposits | 72.1437% | 5,031 |
| Net loans and leases to core deposits | 82.5383% | 4,412 |
| Total domestic deposits to total assets | 88.7459% | 1,646 |
| Equity capital to assets | 9.9862% | 3,896 |
| Core capital (leverage) ratio | 9.9715% | 3,200 |
| Tier 1 risk-based capital ratio | 12.5354% | 4,715 |
| Total risk-based capital ratio | 13.7534% | 4,697 |
| Memoranda: | ||
| Average total assets | $178,669,500 | 3,514 |
| Average earning assets | $160,693,000 | 3,551 |
| Average equity | $17,684,000 | 3,541 |
| Average total loans | $119,699,500 | 3,465 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6519% | 3,344 |
| Cost of funding earning assets | 0.9498% | 7,307 |
| Net interest margin | 4.7021% | 830 |
| Noninterest income to average assets | 0.3969% | 5,224 |
| Noninterest expense to average assets | 2.9279% | 4,433 |
| Loan and lease loss provision to assets | 1.2914% | 1,793 |
| Net operating income to assets | 0.2803% | 4,607 |
| Return on assets (ROA) | 0.2803% | 4,699 |
| Pretax return on assets | 0.4194% | 4,439 |
| Return on Equity (ROE) | 3.0131% | 4,491 |
| Retained earnings to average equity (ytd only) | 3.0131% | 3,057 |
| Net charge-offs to loans | 1.1925% | 2,061 |
| Credit loss provision to net charge-offs | 158.9744% | 2,817 |
| Earnings coverage of net charge-offs (x) | 2.1060% | 4,153 |
| Efficiency ratio | 63.1189% | 5,946 |
| Assets per employee ($millions) | 4.8255% | 2,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1275% | 1,779 |
| Loan loss allowance to noncurrent loans | 46.9009% | 5,257 |
| Noncurrent assets plus other real estate owned to assets | 3.5487% | 1,886 |
| Noncurrent loans to loans | 4.5361% | 1,565 |
| Net loans and leases to total assets | 67.0699% | 3,908 |
| Net loans and leases to deposits | 75.5170% | 4,816 |
| Net loans and leases to core deposits | 99.2433% | 4,086 |
| Total domestic deposits to total assets | 88.8144% | 1,565 |
| Equity capital to assets | 9.8089% | 3,993 |
| Core capital (leverage) ratio | 9.6096% | 3,585 |
| Tier 1 risk-based capital ratio | 12.6020% | 4,441 |
| Total risk-based capital ratio | 13.8598% | 4,379 |
| Memoranda: | ||
| Average total assets | $177,636,400 | 3,476 |
| Average earning assets | $160,247,800 | 3,517 |
| Average equity | $16,528,000 | 3,773 |
| Average total loans | $121,007,200 | 3,464 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6620% | 3,515 |
| Cost of funding earning assets | 0.9804% | 7,428 |
| Net interest margin | 4.6817% | 865 |
| Noninterest income to average assets | 0.4186% | 5,145 |
| Noninterest expense to average assets | 2.8867% | 4,516 |
| Loan and lease loss provision to assets | 1.4234% | 1,347 |
| Net operating income to assets | 0.2022% | 5,149 |
| Return on assets (ROA) | 0.2022% | 5,236 |
| Pretax return on assets | 0.3254% | 4,993 |
| Return on Equity (ROE) | 2.2028% | 5,094 |
| Retained earnings to average equity (ytd only) | 2.2028% | 4,096 |
| Net charge-offs to loans | 1.1248% | 1,785 |
| Credit loss provision to net charge-offs | 186.0511% | 2,452 |
| Earnings coverage of net charge-offs (x) | 2.2859% | 4,111 |
| Efficiency ratio | 62.2730% | 6,062 |
| Assets per employee ($millions) | 4.9999% | 2,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1682% | 1,480 |
| Loan loss allowance to noncurrent loans | 61.1874% | 4,292 |
| Noncurrent assets plus other real estate owned to assets | 2.7428% | 2,534 |
| Noncurrent loans to loans | 3.5435% | 2,110 |
| Net loans and leases to total assets | 65.8798% | 4,458 |
| Net loans and leases to deposits | 74.0312% | 5,362 |
| Net loans and leases to core deposits | 95.1029% | 4,917 |
| Total domestic deposits to total assets | 88.9892% | 1,203 |
| Equity capital to assets | 9.6024% | 4,618 |
| Core capital (leverage) ratio | 9.6896% | 3,661 |
| Tier 1 risk-based capital ratio | 12.5262% | 4,521 |
| Total risk-based capital ratio | 13.7843% | 4,467 |
| Memoranda: | ||
| Average total assets | $177,410,000 | 3,504 |
| Average earning assets | $159,796,750 | 3,554 |
| Average equity | $16,281,750 | 3,856 |
| Average total loans | $120,671,250 | 3,494 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6791% | 3,668 |
| Cost of funding earning assets | 1.0216% | 7,507 |
| Net interest margin | 4.6575% | 862 |
| Noninterest income to average assets | 0.4124% | 5,181 |
| Noninterest expense to average assets | 2.9930% | 4,113 |
| Loan and lease loss provision to assets | 1.1781% | 1,459 |
| Net operating income to assets | 0.2877% | 4,951 |
| Return on assets (ROA) | 0.2877% | 5,054 |
| Pretax return on assets | 0.4090% | 4,905 |
| Return on Equity (ROE) | 3.1854% | 4,829 |
| Retained earnings to average equity (ytd only) | 3.1854% | 3,543 |
| Net charge-offs to loans | 1.5437% | 1,227 |
| Credit loss provision to net charge-offs | 111.8280% | 4,141 |
| Earnings coverage of net charge-offs (x) | 1.5065% | 4,406 |
| Efficiency ratio | 65.3475% | 5,651 |
| Assets per employee ($millions) | 5.0881% | 1,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5601% | 2,912 |
| Loan loss allowance to noncurrent loans | 65.1733% | 4,169 |
| Noncurrent assets plus other real estate owned to assets | 2.0214% | 3,172 |
| Noncurrent loans to loans | 2.3937% | 3,015 |
| Net loans and leases to total assets | 67.9160% | 4,163 |
| Net loans and leases to deposits | 76.0963% | 5,162 |
| Net loans and leases to core deposits | 101.4646% | 4,350 |
| Total domestic deposits to total assets | 89.2500% | 1,145 |
| Equity capital to assets | 9.2713% | 4,919 |
| Core capital (leverage) ratio | 9.1770% | 4,337 |
| Tier 1 risk-based capital ratio | 11.7851% | 5,116 |
| Total risk-based capital ratio | 13.0379% | 5,027 |
| Memoranda: | ||
| Average total assets | $176,548,000 | 3,533 |
| Average earning assets | $157,981,670 | 3,597 |
| Average equity | $15,947,670 | 3,934 |
| Average total loans | $120,492,000 | 3,523 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7865% | 3,370 |
| Cost of funding earning assets | 1.1000% | 7,524 |
| Net interest margin | 4.6865% | 788 |
| Noninterest income to average assets | 0.3858% | 5,331 |
| Noninterest expense to average assets | 2.9474% | 3,985 |
| Loan and lease loss provision to assets | 0.8412% | 1,543 |
| Net operating income to assets | 0.5249% | 4,320 |
| Return on assets (ROA) | 0.5249% | 4,507 |
| Pretax return on assets | 0.7447% | 4,274 |
| Return on Equity (ROE) | 5.8861% | 4,087 |
| Retained earnings to average equity (ytd only) | 5.8861% | 2,683 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0173% | 5,503 |
| Assets per employee ($millions) | 5.0375% | 2,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7687% | 1,931 |
| Loan loss allowance to noncurrent loans | 62.4120% | 4,454 |
| Noncurrent assets plus other real estate owned to assets | 1.9329% | 3,002 |
| Noncurrent loans to loans | 2.8338% | 2,310 |
| Net loans and leases to total assets | 67.0028% | 4,344 |
| Net loans and leases to deposits | 75.0114% | 5,342 |
| Net loans and leases to core deposits | 98.7222% | 4,677 |
| Total domestic deposits to total assets | 89.3235% | 1,089 |
| Equity capital to assets | 9.0856% | 5,245 |
| Core capital (leverage) ratio | 9.0177% | 4,678 |
| Tier 1 risk-based capital ratio | 11.5293% | 5,385 |
| Total risk-based capital ratio | 12.7211% | 5,338 |
| Memoranda: | ||
| Average total assets | $178,324,000 | 3,539 |
| Average earning assets | $157,814,500 | 3,616 |
| Average equity | $15,902,000 | 3,961 |
| Average total loans | $121,061,000 | 3,532 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5137% | 2,890 |
| Cost of funding earning assets | 1.6307% | 7,381 |
| Net interest margin | 4.8830% | 648 |
| Noninterest income to average assets | 0.4117% | 5,380 |
| Noninterest expense to average assets | 2.7591% | 5,009 |
| Loan and lease loss provision to assets | 1.0095% | 1,453 |
| Net operating income to assets | 0.6755% | 4,002 |
| Return on assets (ROA) | 0.6755% | 3,840 |
| Pretax return on assets | 1.0265% | 3,281 |
| Return on Equity (ROE) | 7.7830% | 3,160 |
| Retained earnings to average equity (ytd only) | -7.3541% | 6,817 |
| Net charge-offs to loans | 1.8925% | 582 |
| Credit loss provision to net charge-offs | 80.4187% | 5,893 |
| Earnings coverage of net charge-offs (x) | 1.6219% | 5,277 |
| Efficiency ratio | 57.5408% | 6,769 |
| Assets per employee ($millions) | 5.0093% | 1,934 |
| Cash dividends to net income (ytd only)* | 194.4895% | 328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4377% | 2,985 |
| Loan loss allowance to noncurrent loans | 34.8310% | 6,414 |
| Noncurrent assets plus other real estate owned to assets | 2.7892% | 1,683 |
| Noncurrent loans to loans | 4.1277% | 1,178 |
| Net loans and leases to total assets | 66.6029% | 4,730 |
| Net loans and leases to deposits | 74.2417% | 5,820 |
| Net loans and leases to core deposits | 98.2929% | 5,010 |
| Total domestic deposits to total assets | 89.7109% | 763 |
| Equity capital to assets | 8.7531% | 5,727 |
| Core capital (leverage) ratio | 8.5665% | 5,452 |
| Tier 1 risk-based capital ratio | 11.3691% | 5,365 |
| Total risk-based capital ratio | 12.6188% | 5,267 |
| Memoranda: | ||
| Average total assets | $182,666,600 | 3,383 |
| Average earning assets | $163,976,800 | 3,415 |
| Average equity | $15,855,000 | 3,962 |
| Average total loans | $121,164,800 | 3,440 |