Home > Texas Gulf Bank > Performance and Condition Ratios
Texas Gulf Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5945% | 2,903 |
| Cost of funding earning assets | 1.5210% | 1,891 |
| Net interest margin | 3.0735% | 3,149 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 2.8811% | 1,310 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.5500% | 3,565 |
| Return on assets (ROA) | 0.5500% | 3,554 |
| Pretax return on assets | 0.5500% | 3,721 |
| Return on Equity (ROE) | 5.4000% | 3,647 |
| Retained earnings to average equity (ytd only) | 3.5893% | 3,095 |
| Net charge-offs to loans | 0.0502% | 1,362 |
| Credit loss provision to net charge-offs | 138.7387% | 1,540 |
| Earnings coverage of net charge-offs (x) | 18.2207% | 1,946 |
| Efficiency ratio | 82.8761% | 733 |
| Assets per employee ($millions) | 6.4004% | 2,480 |
| Cash dividends to net income (ytd only)* | 33.5831% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0414% | 3,105 |
| Loan loss allowance to noncurrent loans | 235.4613% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 0.3103% | 1,707 |
| Noncurrent loans to loans | 0.4423% | 1,673 |
| Net loans and leases to total assets | 65.5100% | 2,311 |
| Net loans and leases to deposits | 77.4336% | 2,318 |
| Net loans and leases to core deposits | 83.6203% | 2,484 |
| Total domestic deposits to total assets | 84.6000% | 2,435 |
| Equity capital to assets | 10.8976% | 1,524 |
| Core capital (leverage) ratio | 11.9773% | 1,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $679,491,600 | 1,334 |
| Average earning assets | $653,395,200 | 1,300 |
| Average equity | $69,150,600 | 1,262 |
| Average total loans | $442,303,000 | 1,365 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5375% | 2,826 |
| Cost of funding earning assets | 1.4160% | 1,818 |
| Net interest margin | 3.1215% | 3,104 |
| Noninterest income to average assets | 0.5200% | 1,861 |
| Noninterest expense to average assets | 2.8919% | 1,242 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.5993% | 3,546 |
| Return on assets (ROA) | 0.5993% | 3,532 |
| Pretax return on assets | 0.5993% | 3,734 |
| Return on Equity (ROE) | 6.0000% | 3,640 |
| Retained earnings to average equity (ytd only) | 4.1663% | 3,213 |
| Net charge-offs to loans | 0.0030% | 2,420 |
| Credit loss provision to net charge-offs | 1,570.0000% | 298 |
| Earnings coverage of net charge-offs (x) | 320.5000% | 430 |
| Efficiency ratio | 82.1090% | 724 |
| Assets per employee ($millions) | 6.1355% | 2,625 |
| Cash dividends to net income (ytd only)* | 30.5118% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0772% | 2,982 |
| Loan loss allowance to noncurrent loans | 1,457.6220% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.0482% | 3,326 |
| Noncurrent loans to loans | 0.0739% | 3,233 |
| Net loans and leases to total assets | 64.4700% | 2,390 |
| Net loans and leases to deposits | 73.3352% | 2,622 |
| Net loans and leases to core deposits | 78.6150% | 2,705 |
| Total domestic deposits to total assets | 87.9100% | 1,609 |
| Equity capital to assets | 10.0269% | 1,821 |
| Core capital (leverage) ratio | 11.9494% | 1,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $678,152,750 | 1,335 |
| Average earning assets | $651,761,000 | 1,300 |
| Average equity | $67,780,250 | 1,269 |
| Average total loans | $439,542,500 | 1,363 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4484% | 2,778 |
| Cost of funding earning assets | 1.2712% | 1,784 |
| Net interest margin | 3.1772% | 3,043 |
| Noninterest income to average assets | 0.5100% | 1,835 |
| Noninterest expense to average assets | 2.8843% | 1,249 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6778% | 3,394 |
| Return on assets (ROA) | 0.6778% | 3,394 |
| Pretax return on assets | 0.6778% | 3,652 |
| Return on Equity (ROE) | 6.7900% | 3,525 |
| Retained earnings to average equity (ytd only) | 4.1857% | 3,164 |
| Net charge-offs to loans | 0.0018% | 2,316 |
| Credit loss provision to net charge-offs | 100.0000% | 1,438 |
| Earnings coverage of net charge-offs (x) | 574.7500% | 255 |
| Efficiency ratio | 80.9449% | 781 |
| Assets per employee ($millions) | 6.1104% | 2,616 |
| Cash dividends to net income (ytd only)* | 38.3442% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0352% | 3,265 |
| Loan loss allowance to noncurrent loans | 1,347.3837% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.0503% | 3,277 |
| Noncurrent loans to loans | 0.0768% | 3,135 |
| Net loans and leases to total assets | 64.7400% | 2,306 |
| Net loans and leases to deposits | 76.5970% | 2,249 |
| Net loans and leases to core deposits | 81.3927% | 2,380 |
| Total domestic deposits to total assets | 84.5300% | 2,681 |
| Equity capital to assets | 9.8372% | 1,953 |
| Core capital (leverage) ratio | 11.8910% | 1,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $677,191,667 | 1,333 |
| Average earning assets | $650,704,000 | 1,296 |
| Average equity | $67,611,333 | 1,269 |
| Average total loans | $438,112,333 | 1,352 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3640% | 2,645 |
| Cost of funding earning assets | 1.1228% | 1,687 |
| Net interest margin | 3.2412% | 3,015 |
| Noninterest income to average assets | 0.5100% | 1,809 |
| Noninterest expense to average assets | 2.8741% | 1,286 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7541% | 3,332 |
| Return on assets (ROA) | 0.7541% | 3,286 |
| Pretax return on assets | 0.7541% | 3,553 |
| Return on Equity (ROE) | 7.5000% | 3,407 |
| Retained earnings to average equity (ytd only) | 4.5457% | 3,122 |
| Net charge-offs to loans | 0.0037% | 1,865 |
| Credit loss provision to net charge-offs | 75.0000% | 1,227 |
| Earnings coverage of net charge-offs (x) | 318.2500% | 354 |
| Efficiency ratio | 79.1755% | 884 |
| Assets per employee ($millions) | 6.1719% | 2,612 |
| Cash dividends to net income (ytd only)* | 39.3701% | 1,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0680% | 3,213 |
| Loan loss allowance to noncurrent loans | 17,166.6667% | 112 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 3,866 |
| Noncurrent loans to loans | 0.0062% | 3,794 |
| Net loans and leases to total assets | 63.8200% | 2,267 |
| Net loans and leases to deposits | 71.6115% | 2,500 |
| Net loans and leases to core deposits | 76.2771% | 2,504 |
| Total domestic deposits to total assets | 89.1200% | 1,501 |
| Equity capital to assets | 10.3053% | 1,669 |
| Core capital (leverage) ratio | 11.8572% | 1,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $673,607,000 | 1,354 |
| Average earning assets | $647,661,500 | 1,316 |
| Average equity | $67,756,000 | 1,277 |
| Average total loans | $433,309,500 | 1,373 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6979% | 2,527 |
| Cost of funding earning assets | 0.3888% | 2,188 |
| Net interest margin | 3.3091% | 2,540 |
| Noninterest income to average assets | 0.7000% | 1,294 |
| Noninterest expense to average assets | 2.7615% | 1,412 |
| Loan and lease loss provision to assets | -0.0900% | 4,511 |
| Net operating income to assets | 1.2030% | 1,757 |
| Return on assets (ROA) | 1.2030% | 1,698 |
| Pretax return on assets | 1.2030% | 2,427 |
| Return on Equity (ROE) | 11.4900% | 2,308 |
| Retained earnings to average equity (ytd only) | 5.1191% | 2,992 |
| Net charge-offs to loans | 0.0033% | 2,362 |
| Credit loss provision to net charge-offs | -4,507.6923% | 4,706 |
| Earnings coverage of net charge-offs (x) | 578.7692% | 301 |
| Efficiency ratio | 71.2165% | 1,539 |
| Assets per employee ($millions) | 6.1878% | 2,605 |
| Cash dividends to net income (ytd only)* | 55.4501% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0714% | 3,033 |
| Loan loss allowance to noncurrent loans | 14,951.6129% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 3,877 |
| Noncurrent loans to loans | 0.0072% | 3,809 |
| Net loans and leases to total assets | 63.4600% | 2,290 |
| Net loans and leases to deposits | 72.6678% | 2,352 |
| Net loans and leases to core deposits | 76.7519% | 2,368 |
| Total domestic deposits to total assets | 87.3200% | 2,285 |
| Equity capital to assets | 9.8127% | 1,816 |
| Core capital (leverage) ratio | 11.8823% | 1,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $674,137,000 | 1,339 |
| Average earning assets | $646,645,400 | 1,307 |
| Average equity | $70,578,200 | 1,240 |
| Average total loans | $399,146,000 | 1,392 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5415% | 2,487 |
| Cost of funding earning assets | 0.2432% | 2,777 |
| Net interest margin | 3.2983% | 2,302 |
| Noninterest income to average assets | 0.7600% | 1,126 |
| Noninterest expense to average assets | 2.7540% | 1,338 |
| Loan and lease loss provision to assets | -0.0900% | 4,563 |
| Net operating income to assets | 1.2592% | 1,497 |
| Return on assets (ROA) | 1.2592% | 1,463 |
| Pretax return on assets | 1.2592% | 2,176 |
| Return on Equity (ROE) | 11.8400% | 2,086 |
| Retained earnings to average equity (ytd only) | 5.8948% | 2,786 |
| Net charge-offs to loans | 0.0034% | 2,100 |
| Credit loss provision to net charge-offs | -4,400.0000% | 4,753 |
| Earnings coverage of net charge-offs (x) | 592.6000% | 264 |
| Efficiency ratio | 70.1446% | 1,744 |
| Assets per employee ($millions) | 6.0131% | 2,751 |
| Cash dividends to net income (ytd only)* | 50.2199% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1728% | 2,681 |
| Loan loss allowance to noncurrent loans | 12,269.2308% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.0059% | 3,950 |
| Noncurrent loans to loans | 0.0096% | 3,880 |
| Net loans and leases to total assets | 60.9600% | 2,406 |
| Net loans and leases to deposits | 67.8779% | 2,540 |
| Net loans and leases to core deposits | 71.4621% | 2,531 |
| Total domestic deposits to total assets | 89.8100% | 1,738 |
| Equity capital to assets | 9.7558% | 1,751 |
| Core capital (leverage) ratio | 11.7277% | 1,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $674,052,500 | 1,349 |
| Average earning assets | $646,380,750 | 1,318 |
| Average equity | $71,676,750 | 1,242 |
| Average total loans | $390,775,500 | 1,409 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3616% | 2,542 |
| Cost of funding earning assets | 0.1731% | 3,279 |
| Net interest margin | 3.1885% | 2,227 |
| Noninterest income to average assets | 0.8481% | 946 |
| Noninterest expense to average assets | 2.7208% | 1,338 |
| Loan and lease loss provision to assets | -0.0867% | 4,577 |
| Net operating income to assets | 1.2674% | 1,228 |
| Return on assets (ROA) | 1.2674% | 1,210 |
| Pretax return on assets | 1.2674% | 1,846 |
| Return on Equity (ROE) | 11.6069% | 1,790 |
| Retained earnings to average equity (ytd only) | 7.3536% | 1,866 |
| Net charge-offs to loans | 0.0031% | 1,951 |
| Credit loss provision to net charge-offs | -4,900.0000% | 3,784 |
| Earnings coverage of net charge-offs (x) | 667.3333% | 205 |
| Efficiency ratio | 69.7377% | 1,997 |
| Assets per employee ($millions) | 6.3499% | 2,437 |
| Cash dividends to net income (ytd only)* | 36.6450% | 1,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2828% | 2,268 |
| Loan loss allowance to noncurrent loans | 6,493.4211% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.0113% | 3,919 |
| Noncurrent loans to loans | 0.0198% | 3,819 |
| Net loans and leases to total assets | 56.4215% | 2,705 |
| Net loans and leases to deposits | 62.9385% | 2,813 |
| Net loans and leases to core deposits | 65.6686% | 2,847 |
| Total domestic deposits to total assets | 89.6454% | 1,871 |
| Equity capital to assets | 9.9832% | 1,728 |
| Core capital (leverage) ratio | 11.6228% | 1,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $678,255,000 | 1,349 |
| Average earning assets | $649,521,000 | 1,329 |
| Average equity | $74,059,333 | 1,242 |
| Average total loans | $385,031,000 | 1,421 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2070% | 2,670 |
| Cost of funding earning assets | 0.1495% | 3,512 |
| Net interest margin | 3.0574% | 2,304 |
| Noninterest income to average assets | 0.7080% | 1,291 |
| Noninterest expense to average assets | 2.6603% | 1,450 |
| Loan and lease loss provision to assets | -0.0864% | 4,577 |
| Net operating income to assets | 1.0534% | 1,675 |
| Return on assets (ROA) | 1.0534% | 1,666 |
| Pretax return on assets | 1.0534% | 2,282 |
| Return on Equity (ROE) | 9.2553% | 2,227 |
| Retained earnings to average equity (ytd only) | 4.2224% | 2,863 |
| Net charge-offs to loans | 0.0436% | 848 |
| Credit loss provision to net charge-offs | -350.0000% | 3,067 |
| Earnings coverage of net charge-offs (x) | 39.1905% | 1,014 |
| Efficiency ratio | 73.3398% | 1,818 |
| Assets per employee ($millions) | 6.3458% | 2,506 |
| Cash dividends to net income (ytd only)* | 54.3781% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2947% | 2,387 |
| Loan loss allowance to noncurrent loans | 6,078.3133% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.0123% | 3,942 |
| Noncurrent loans to loans | 0.0213% | 3,843 |
| Net loans and leases to total assets | 57.1814% | 2,393 |
| Net loans and leases to deposits | 64.4666% | 2,485 |
| Net loans and leases to core deposits | 67.0813% | 2,528 |
| Total domestic deposits to total assets | 88.6992% | 2,209 |
| Equity capital to assets | 10.9806% | 1,335 |
| Core capital (leverage) ratio | 11.1478% | 1,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $680,837,000 | 1,354 |
| Average earning assets | $650,085,500 | 1,325 |
| Average equity | $77,491,000 | 1,224 |
| Average total loans | $385,195,000 | 1,415 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6619% | 2,214 |
| Cost of funding earning assets | 0.1784% | 3,681 |
| Net interest margin | 3.4835% | 1,789 |
| Noninterest income to average assets | 0.7990% | 1,447 |
| Noninterest expense to average assets | 2.6454% | 1,761 |
| Loan and lease loss provision to assets | 0.0157% | 2,765 |
| Net operating income to assets | 1.4858% | 1,047 |
| Return on assets (ROA) | 1.4858% | 1,099 |
| Pretax return on assets | 1.4858% | 1,771 |
| Return on Equity (ROE) | 12.6307% | 1,595 |
| Retained earnings to average equity (ytd only) | 5.5866% | 2,523 |
| Net charge-offs to loans | 0.0021% | 2,562 |
| Credit loss provision to net charge-offs | 1,188.8889% | 472 |
| Earnings coverage of net charge-offs (x) | 1,134.5556% | 126 |
| Efficiency ratio | 63.7921% | 2,592 |
| Assets per employee ($millions) | 6.5002% | 2,334 |
| Cash dividends to net income (ytd only)* | 55.7700% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3748% | 2,026 |
| Loan loss allowance to noncurrent loans | 5,751.6484% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.0132% | 4,010 |
| Noncurrent loans to loans | 0.0239% | 3,898 |
| Net loans and leases to total assets | 54.4945% | 2,790 |
| Net loans and leases to deposits | 62.0272% | 2,879 |
| Net loans and leases to core deposits | 64.5772% | 2,935 |
| Total domestic deposits to total assets | 87.8559% | 2,122 |
| Equity capital to assets | 11.7733% | 1,359 |
| Core capital (leverage) ratio | 11.1272% | 1,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $680,058,400 | 1,309 |
| Average earning assets | $653,565,400 | 1,285 |
| Average equity | $79,995,400 | 1,209 |
| Average total loans | $425,202,600 | 1,313 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7527% | 2,138 |
| Cost of funding earning assets | 0.1765% | 3,853 |
| Net interest margin | 3.5762% | 1,659 |
| Noninterest income to average assets | 0.6436% | 2,035 |
| Noninterest expense to average assets | 2.6183% | 1,788 |
| Loan and lease loss provision to assets | 0.0301% | 2,392 |
| Net operating income to assets | 1.4352% | 1,426 |
| Return on assets (ROA) | 1.4352% | 1,496 |
| Pretax return on assets | 1.4352% | 2,194 |
| Return on Equity (ROE) | 12.2033% | 1,976 |
| Retained earnings to average equity (ytd only) | 3.7817% | 3,647 |
| Net charge-offs to loans | 0.0015% | 2,358 |
| Credit loss provision to net charge-offs | 3,060.0000% | 232 |
| Earnings coverage of net charge-offs (x) | 1,489.8000% | 99 |
| Efficiency ratio | 64.1185% | 2,369 |
| Assets per employee ($millions) | 6.5050% | 2,238 |
| Cash dividends to net income (ytd only)* | 69.0104% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3061% | 2,456 |
| Loan loss allowance to noncurrent loans | 142.3377% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 0.5553% | 1,387 |
| Noncurrent loans to loans | 0.9176% | 1,257 |
| Net loans and leases to total assets | 57.3742% | 2,576 |
| Net loans and leases to deposits | 65.1910% | 2,714 |
| Net loans and leases to core deposits | 67.9864% | 2,775 |
| Total domestic deposits to total assets | 88.0093% | 1,834 |
| Equity capital to assets | 11.5775% | 1,621 |
| Core capital (leverage) ratio | 10.7070% | 1,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $677,819,000 | 1,328 |
| Average earning assets | $652,002,250 | 1,306 |
| Average equity | $79,714,250 | 1,232 |
| Average total loans | $436,325,750 | 1,318 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8957% | 1,826 |
| Cost of funding earning assets | 0.1841% | 3,912 |
| Net interest margin | 3.7116% | 1,320 |
| Noninterest income to average assets | 0.5978% | 2,227 |
| Noninterest expense to average assets | 2.6245% | 1,792 |
| Loan and lease loss provision to assets | 0.0441% | 2,136 |
| Net operating income to assets | 1.5125% | 1,260 |
| Return on assets (ROA) | 1.5125% | 1,323 |
| Pretax return on assets | 1.5125% | 1,977 |
| Return on Equity (ROE) | 12.7920% | 1,788 |
| Retained earnings to average equity (ytd only) | 4.3312% | 3,420 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7715% | 2,616 |
| Assets per employee ($millions) | 6.0044% | 2,603 |
| Cash dividends to net income (ytd only)* | 66.1417% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2324% | 2,761 |
| Loan loss allowance to noncurrent loans | 142.1463% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 0.5895% | 1,416 |
| Noncurrent loans to loans | 0.8670% | 1,417 |
| Net loans and leases to total assets | 63.5519% | 2,001 |
| Net loans and leases to deposits | 72.5726% | 2,157 |
| Net loans and leases to core deposits | 75.8029% | 2,258 |
| Total domestic deposits to total assets | 87.5700% | 2,057 |
| Equity capital to assets | 12.0255% | 1,350 |
| Core capital (leverage) ratio | 10.9468% | 1,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $671,746,000 | 1,333 |
| Average earning assets | $648,512,667 | 1,305 |
| Average equity | $79,424,333 | 1,229 |
| Average total loans | $446,890,667 | 1,297 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9607% | 1,675 |
| Cost of funding earning assets | 0.1940% | 3,962 |
| Net interest margin | 3.7667% | 1,209 |
| Noninterest income to average assets | 0.6863% | 1,909 |
| Noninterest expense to average assets | 2.6003% | 1,884 |
| Loan and lease loss provision to assets | 0.0884% | 1,495 |
| Net operating income to assets | 1.6359% | 1,047 |
| Return on assets (ROA) | 1.6359% | 1,098 |
| Pretax return on assets | 1.6359% | 1,633 |
| Return on Equity (ROE) | 13.9535% | 1,436 |
| Retained earnings to average equity (ytd only) | 4.1638% | 3,455 |
| Net charge-offs to loans | 0.0018% | 1,864 |
| Credit loss provision to net charge-offs | 7,450.0000% | 87 |
| Earnings coverage of net charge-offs (x) | 1,453.5000% | 60 |
| Efficiency ratio | 60.1289% | 3,017 |
| Assets per employee ($millions) | 6.4407% | 2,217 |
| Cash dividends to net income (ytd only)* | 70.1595% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1563% | 3,163 |
| Loan loss allowance to noncurrent loans | 141.8636% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 0.5764% | 1,648 |
| Noncurrent loans to loans | 0.8151% | 1,634 |
| Net loans and leases to total assets | 66.1459% | 1,784 |
| Net loans and leases to deposits | 75.0185% | 2,018 |
| Net loans and leases to core deposits | 78.2748% | 2,160 |
| Total domestic deposits to total assets | 88.1728% | 1,752 |
| Equity capital to assets | 11.5087% | 1,539 |
| Core capital (leverage) ratio | 10.8956% | 1,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $674,377,000 | 1,325 |
| Average earning assets | $651,392,000 | 1,289 |
| Average equity | $79,062,500 | 1,220 |
| Average total loans | $455,912,000 | 1,276 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1162% | 2,376 |
| Cost of funding earning assets | 0.3422% | 3,914 |
| Net interest margin | 3.7740% | 1,578 |
| Noninterest income to average assets | 0.5700% | 2,335 |
| Noninterest expense to average assets | 2.6680% | 2,332 |
| Loan and lease loss provision to assets | 0.0700% | 3,507 |
| Net operating income to assets | 1.4732% | 868 |
| Return on assets (ROA) | 1.4745% | 942 |
| Pretax return on assets | 1.4745% | 1,426 |
| Return on Equity (ROE) | 13.1488% | 1,005 |
| Retained earnings to average equity (ytd only) | 7.6741% | 1,152 |
| Net charge-offs to loans | 0.0408% | 2,240 |
| Credit loss provision to net charge-offs | 255.2486% | 1,913 |
| Earnings coverage of net charge-offs (x) | 56.2486% | 1,107 |
| Efficiency ratio | 63.3540% | 2,920 |
| Assets per employee ($millions) | 6.2834% | 2,095 |
| Cash dividends to net income (ytd only)* | 41.6367% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1291% | 3,309 |
| Loan loss allowance to noncurrent loans | 83.1903% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 0.9588% | 1,008 |
| Noncurrent loans to loans | 1.3573% | 999 |
| Net loans and leases to total assets | 67.5360% | 1,884 |
| Net loans and leases to deposits | 78.2202% | 2,044 |
| Net loans and leases to core deposits | 81.8512% | 2,207 |
| Total domestic deposits to total assets | 86.3408% | 2,215 |
| Equity capital to assets | 11.9443% | 1,600 |
| Core capital (leverage) ratio | 10.7189% | 1,995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $659,702,600 | 1,235 |
| Average earning assets | $636,506,600 | 1,201 |
| Average equity | $73,976,400 | 1,236 |
| Average total loans | $443,925,400 | 1,241 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1701% | 2,466 |
| Cost of funding earning assets | 0.3833% | 3,904 |
| Net interest margin | 3.7868% | 1,657 |
| Noninterest income to average assets | 0.5952% | 2,198 |
| Noninterest expense to average assets | 2.6669% | 2,349 |
| Loan and lease loss provision to assets | 0.0620% | 3,568 |
| Net operating income to assets | 1.5190% | 866 |
| Return on assets (ROA) | 1.5209% | 940 |
| Pretax return on assets | 1.5209% | 1,403 |
| Return on Equity (ROE) | 13.7900% | 915 |
| Retained earnings to average equity (ytd only) | 6.3504% | 1,946 |
| Net charge-offs to loans | 0.0538% | 1,839 |
| Credit loss provision to net charge-offs | 171.9101% | 2,222 |
| Earnings coverage of net charge-offs (x) | 43.8427% | 1,289 |
| Efficiency ratio | 62.7814% | 2,947 |
| Assets per employee ($millions) | 6.3989% | 1,915 |
| Cash dividends to net income (ytd only)* | 53.9496% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0559% | 3,428 |
| Loan loss allowance to noncurrent loans | 65.6913% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 1.1526% | 890 |
| Noncurrent loans to loans | 1.6074% | 875 |
| Net loans and leases to total assets | 68.8548% | 2,133 |
| Net loans and leases to deposits | 82.8438% | 2,033 |
| Net loans and leases to core deposits | 87.1753% | 2,220 |
| Total domestic deposits to total assets | 83.1140% | 3,116 |
| Equity capital to assets | 11.4073% | 2,075 |
| Core capital (leverage) ratio | 10.4032% | 2,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $658,117,750 | 1,223 |
| Average earning assets | $634,815,000 | 1,187 |
| Average equity | $72,582,000 | 1,239 |
| Average total loans | $441,168,000 | 1,243 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3351% | 2,381 |
| Cost of funding earning assets | 0.4502% | 3,789 |
| Net interest margin | 3.8849% | 1,608 |
| Noninterest income to average assets | 0.5284% | 2,449 |
| Noninterest expense to average assets | 2.7059% | 2,369 |
| Loan and lease loss provision to assets | 0.0470% | 3,712 |
| Net operating income to assets | 1.5195% | 893 |
| Return on assets (ROA) | 1.5223% | 962 |
| Pretax return on assets | 1.5223% | 1,405 |
| Return on Equity (ROE) | 13.9692% | 895 |
| Retained earnings to average equity (ytd only) | 7.6298% | 1,424 |
| Net charge-offs to loans | 0.0408% | 1,922 |
| Credit loss provision to net charge-offs | 173.8636% | 2,018 |
| Earnings coverage of net charge-offs (x) | 57.9773% | 994 |
| Efficiency ratio | 63.3345% | 2,910 |
| Assets per employee ($millions) | 6.3007% | 1,946 |
| Cash dividends to net income (ytd only)* | 45.3812% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0554% | 3,294 |
| Loan loss allowance to noncurrent loans | 70.3158% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 1.0632% | 1,090 |
| Noncurrent loans to loans | 1.5009% | 1,007 |
| Net loans and leases to total assets | 67.7865% | 2,393 |
| Net loans and leases to deposits | 77.9539% | 2,659 |
| Net loans and leases to core deposits | 82.3152% | 2,752 |
| Total domestic deposits to total assets | 86.9571% | 1,638 |
| Equity capital to assets | 11.2110% | 2,176 |
| Core capital (leverage) ratio | 10.0409% | 2,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $651,395,333 | 1,208 |
| Average earning assets | $627,762,667 | 1,175 |
| Average equity | $70,984,667 | 1,253 |
| Average total loans | $430,885,333 | 1,254 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2692% | 3,006 |
| Cost of funding earning assets | 0.5859% | 3,506 |
| Net interest margin | 3.6833% | 2,382 |
| Noninterest income to average assets | 0.6143% | 1,976 |
| Noninterest expense to average assets | 2.7699% | 2,517 |
| Loan and lease loss provision to assets | 0.0013% | 3,710 |
| Net operating income to assets | 1.3887% | 1,014 |
| Return on assets (ROA) | 1.3943% | 1,076 |
| Pretax return on assets | 1.3943% | 1,578 |
| Return on Equity (ROE) | 12.9952% | 882 |
| Retained earnings to average equity (ytd only) | 4.8000% | 2,367 |
| Net charge-offs to loans | 0.0891% | 1,163 |
| Credit loss provision to net charge-offs | 2.1739% | 2,249 |
| Earnings coverage of net charge-offs (x) | 24.0543% | 1,312 |
| Efficiency ratio | 66.5861% | 2,874 |
| Assets per employee ($millions) | 5.5512% | 2,063 |
| Cash dividends to net income (ytd only)* | 63.0631% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1634% | 2,866 |
| Loan loss allowance to noncurrent loans | 2,548.6631% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.0696% | 4,254 |
| Noncurrent loans to loans | 0.0456% | 4,369 |
| Net loans and leases to total assets | 66.3083% | 2,780 |
| Net loans and leases to deposits | 74.7090% | 3,196 |
| Net loans and leases to core deposits | 79.7194% | 3,220 |
| Total domestic deposits to total assets | 88.7555% | 779 |
| Equity capital to assets | 10.9423% | 2,909 |
| Core capital (leverage) ratio | 10.3696% | 3,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $636,857,000 | 1,202 |
| Average earning assets | $613,041,500 | 1,164 |
| Average equity | $68,333,000 | 1,288 |
| Average total loans | $413,234,000 | 1,264 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5876% | 2,664 |
| Cost of funding earning assets | 0.7202% | 3,069 |
| Net interest margin | 3.8674% | 2,281 |
| Noninterest income to average assets | 0.5870% | 2,285 |
| Noninterest expense to average assets | 2.7661% | 2,705 |
| Loan and lease loss provision to assets | 0.0891% | 2,238 |
| Net operating income to assets | 1.4449% | 1,203 |
| Return on assets (ROA) | 1.4462% | 1,265 |
| Pretax return on assets | 1.4462% | 1,992 |
| Return on Equity (ROE) | 13.5416% | 995 |
| Retained earnings to average equity (ytd only) | 0.9620% | 4,392 |
| Net charge-offs to loans | 0.0052% | 3,487 |
| Credit loss provision to net charge-offs | 2,685.7143% | 147 |
| Earnings coverage of net charge-offs (x) | 462.1905% | 204 |
| Efficiency ratio | 64.3254% | 3,032 |
| Assets per employee ($millions) | 6.1971% | 1,488 |
| Cash dividends to net income (ytd only)* | 92.8962% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1651% | 2,615 |
| Loan loss allowance to noncurrent loans | 1,734.2857% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.0781% | 4,249 |
| Noncurrent loans to loans | 0.0672% | 4,269 |
| Net loans and leases to total assets | 62.1260% | 3,387 |
| Net loans and leases to deposits | 69.7537% | 3,693 |
| Net loans and leases to core deposits | 74.8813% | 3,651 |
| Total domestic deposits to total assets | 89.0648% | 644 |
| Equity capital to assets | 10.5339% | 3,414 |
| Core capital (leverage) ratio | 10.0354% | 3,477 |
| Tier 1 risk-based capital ratio | 14.2497% | 3,143 |
| Total risk-based capital ratio | 15.2901% | 3,157 |
| Memoranda: | ||
| Average total assets | $632,694,000 | 1,177 |
| Average earning assets | $607,457,400 | 1,131 |
| Average equity | $67,569,600 | 1,252 |
| Average total loans | $404,051,600 | 1,256 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3873% | 3,403 |
| Cost of funding earning assets | 0.7408% | 3,010 |
| Net interest margin | 3.6465% | 3,106 |
| Noninterest income to average assets | 0.6154% | 2,131 |
| Noninterest expense to average assets | 2.8006% | 2,559 |
| Loan and lease loss provision to assets | 0.0981% | 1,954 |
| Net operating income to assets | 1.2160% | 2,139 |
| Return on assets (ROA) | 1.2173% | 2,210 |
| Pretax return on assets | 1.2173% | 2,928 |
| Return on Equity (ROE) | 11.3570% | 1,866 |
| Retained earnings to average equity (ytd only) | -5.5581% | 5,074 |
| Net charge-offs to loans | 0.0080% | 3,090 |
| Credit loss provision to net charge-offs | 1,916.6667% | 208 |
| Earnings coverage of net charge-offs (x) | 256.7019% | 361 |
| Efficiency ratio | 68.0628% | 2,412 |
| Assets per employee ($millions) | 6.3102% | 1,382 |
| Cash dividends to net income (ytd only)* | 148.9400% | 116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1295% | 2,879 |
| Loan loss allowance to noncurrent loans | 50.3500% | 4,173 |
| Noncurrent assets plus other real estate owned to assets | 1.3979% | 837 |
| Noncurrent loans to loans | 2.2433% | 553 |
| Net loans and leases to total assets | 59.8632% | 3,684 |
| Net loans and leases to deposits | 66.3909% | 4,038 |
| Net loans and leases to core deposits | 72.3652% | 3,924 |
| Total domestic deposits to total assets | 90.1677% | 245 |
| Equity capital to assets | 9.5058% | 4,444 |
| Core capital (leverage) ratio | 9.7215% | 3,943 |
| Tier 1 risk-based capital ratio | 13.3152% | 3,678 |
| Total risk-based capital ratio | 14.3179% | 3,718 |
| Memoranda: | ||
| Average total assets | $625,096,250 | 1,190 |
| Average earning assets | $599,874,250 | 1,146 |
| Average equity | $66,999,750 | 1,261 |
| Average total loans | $400,863,500 | 1,274 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4743% | 3,090 |
| Cost of funding earning assets | 0.7422% | 2,935 |
| Net interest margin | 3.7321% | 2,824 |
| Noninterest income to average assets | 0.6444% | 1,947 |
| Noninterest expense to average assets | 2.9112% | 2,255 |
| Loan and lease loss provision to assets | 0.1016% | 1,842 |
| Net operating income to assets | 1.2111% | 2,107 |
| Return on assets (ROA) | 1.2131% | 2,161 |
| Pretax return on assets | 1.2131% | 2,865 |
| Return on Equity (ROE) | 10.8466% | 2,042 |
| Retained earnings to average equity (ytd only) | 6.2430% | 2,172 |
| Net charge-offs to loans | 0.0228% | 2,391 |
| Credit loss provision to net charge-offs | 680.0000% | 477 |
| Earnings coverage of net charge-offs (x) | 87.8222% | 765 |
| Efficiency ratio | 68.9210% | 2,390 |
| Assets per employee ($millions) | 5.6467% | 1,827 |
| Cash dividends to net income (ytd only)* | 42.4425% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1380% | 2,853 |
| Loan loss allowance to noncurrent loans | 48.4736% | 4,228 |
| Noncurrent assets plus other real estate owned to assets | 1.5988% | 677 |
| Noncurrent loans to loans | 2.3477% | 544 |
| Net loans and leases to total assets | 65.1426% | 3,214 |
| Net loans and leases to deposits | 74.9452% | 3,430 |
| Net loans and leases to core deposits | 81.3412% | 3,307 |
| Total domestic deposits to total assets | 86.9203% | 1,635 |
| Equity capital to assets | 11.5634% | 2,565 |
| Core capital (leverage) ratio | 11.1743% | 2,439 |
| Tier 1 risk-based capital ratio | 14.6739% | 2,980 |
| Total risk-based capital ratio | 15.6615% | 3,030 |
| Memoranda: | ||
| Average total assets | $602,088,000 | 1,223 |
| Average earning assets | $577,472,670 | 1,192 |
| Average equity | $67,339,000 | 1,248 |
| Average total loans | $394,394,670 | 1,296 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4571% | 3,025 |
| Cost of funding earning assets | 0.6792% | 3,155 |
| Net interest margin | 3.7779% | 2,607 |
| Noninterest income to average assets | 0.7415% | 1,460 |
| Noninterest expense to average assets | 2.9515% | 2,129 |
| Loan and lease loss provision to assets | 0.1016% | 1,729 |
| Net operating income to assets | 1.3112% | 1,655 |
| Return on assets (ROA) | 1.3112% | 1,698 |
| Pretax return on assets | 1.3112% | 2,412 |
| Return on Equity (ROE) | 11.9302% | 1,559 |
| Retained earnings to average equity (ytd only) | 6.4549% | 2,259 |
| Net charge-offs to loans | 0.0031% | 2,630 |
| Credit loss provision to net charge-offs | 5,066.6667% | 76 |
| Earnings coverage of net charge-offs (x) | 704.3333% | 97 |
| Efficiency ratio | 67.6268% | 2,693 |
| Assets per employee ($millions) | 5.2452% | 2,234 |
| Cash dividends to net income (ytd only)* | 45.8950% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1438% | 2,893 |
| Loan loss allowance to noncurrent loans | 98.6071% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 0.8093% | 1,751 |
| Noncurrent loans to loans | 1.1599% | 1,436 |
| Net loans and leases to total assets | 64.4652% | 3,229 |
| Net loans and leases to deposits | 72.8275% | 3,543 |
| Net loans and leases to core deposits | 77.4814% | 3,560 |
| Total domestic deposits to total assets | 88.5177% | 1,085 |
| Equity capital to assets | 11.2082% | 2,643 |
| Core capital (leverage) ratio | 11.1409% | 2,437 |
| Tier 1 risk-based capital ratio | 14.9124% | 2,914 |
| Total risk-based capital ratio | 15.9068% | 2,954 |
| Memoranda: | ||
| Average total assets | $598,209,500 | 1,230 |
| Average earning assets | $573,650,000 | 1,199 |
| Average equity | $65,749,000 | 1,271 |
| Average total loans | $390,671,000 | 1,310 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1913% | 3,463 |
| Cost of funding earning assets | 0.5274% | 3,195 |
| Net interest margin | 3.6638% | 3,180 |
| Noninterest income to average assets | 0.6371% | 2,115 |
| Noninterest expense to average assets | 2.8074% | 2,663 |
| Loan and lease loss provision to assets | 0.0536% | 3,110 |
| Net operating income to assets | 1.2913% | 1,843 |
| Return on assets (ROA) | 1.2913% | 1,832 |
| Pretax return on assets | 1.2913% | 2,537 |
| Return on Equity (ROE) | 12.2771% | 1,618 |
| Retained earnings to average equity (ytd only) | 3.5814% | 3,614 |
| Net charge-offs to loans | 0.0853% | 1,928 |
| Credit loss provision to net charge-offs | 99.6894% | 2,568 |
| Earnings coverage of net charge-offs (x) | 25.0248% | 1,787 |
| Efficiency ratio | 67.6112% | 2,613 |
| Assets per employee ($millions) | 5.4905% | 1,965 |
| Cash dividends to net income (ytd only)* | 70.8285% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1017% | 3,087 |
| Loan loss allowance to noncurrent loans | 99.1492% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 0.7795% | 1,793 |
| Noncurrent loans to loans | 1.1111% | 1,458 |
| Net loans and leases to total assets | 64.6818% | 3,279 |
| Net loans and leases to deposits | 74.6440% | 3,450 |
| Net loans and leases to core deposits | 78.9702% | 3,505 |
| Total domestic deposits to total assets | 86.6537% | 1,940 |
| Equity capital to assets | 10.7739% | 2,906 |
| Core capital (leverage) ratio | 10.8913% | 2,637 |
| Tier 1 risk-based capital ratio | 14.7085% | 2,963 |
| Total risk-based capital ratio | 15.6709% | 3,020 |
| Memoranda: | ||
| Average total assets | $599,157,600 | 1,203 |
| Average earning assets | $574,862,000 | 1,170 |
| Average equity | $63,019,800 | 1,267 |
| Average total loans | $377,647,200 | 1,318 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1144% | 3,583 |
| Cost of funding earning assets | 0.4783% | 3,342 |
| Net interest margin | 3.6360% | 3,245 |
| Noninterest income to average assets | 0.6527% | 2,058 |
| Noninterest expense to average assets | 2.8242% | 2,557 |
| Loan and lease loss provision to assets | 0.0701% | 2,565 |
| Net operating income to assets | 1.2489% | 2,051 |
| Return on assets (ROA) | 1.2489% | 2,060 |
| Pretax return on assets | 1.2489% | 2,816 |
| Return on Equity (ROE) | 11.9466% | 1,804 |
| Retained earnings to average equity (ytd only) | 6.5202% | 2,372 |
| Net charge-offs to loans | 0.0410% | 2,265 |
| Credit loss provision to net charge-offs | 273.9130% | 1,101 |
| Earnings coverage of net charge-offs (x) | 51.5564% | 1,153 |
| Efficiency ratio | 68.1647% | 2,508 |
| Assets per employee ($millions) | 5.6028% | 1,824 |
| Cash dividends to net income (ytd only)* | 45.4222% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1680% | 2,803 |
| Loan loss allowance to noncurrent loans | 92.2150% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 0.8014% | 1,843 |
| Noncurrent loans to loans | 1.2667% | 1,331 |
| Net loans and leases to total assets | 62.5274% | 3,598 |
| Net loans and leases to deposits | 70.0466% | 3,914 |
| Net loans and leases to core deposits | 73.8134% | 3,960 |
| Total domestic deposits to total assets | 89.2654% | 743 |
| Equity capital to assets | 10.3745% | 3,257 |
| Core capital (leverage) ratio | 10.8355% | 2,758 |
| Tier 1 risk-based capital ratio | 14.9880% | 2,889 |
| Total risk-based capital ratio | 16.0025% | 2,914 |
| Memoranda: | ||
| Average total assets | $599,331,000 | 1,201 |
| Average earning assets | $575,336,250 | 1,171 |
| Average equity | $62,655,250 | 1,277 |
| Average total loans | $374,206,750 | 1,329 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0165% | 3,737 |
| Cost of funding earning assets | 0.4351% | 3,463 |
| Net interest margin | 3.5813% | 3,382 |
| Noninterest income to average assets | 0.6915% | 1,905 |
| Noninterest expense to average assets | 2.8371% | 2,552 |
| Loan and lease loss provision to assets | 0.1048% | 1,858 |
| Net operating income to assets | 1.1855% | 2,256 |
| Return on assets (ROA) | 1.1855% | 2,257 |
| Pretax return on assets | 1.1855% | 2,991 |
| Return on Equity (ROE) | 11.3103% | 1,988 |
| Retained earnings to average equity (ytd only) | 4.9823% | 3,086 |
| Net charge-offs to loans | 0.0638% | 1,711 |
| Credit loss provision to net charge-offs | 264.4068% | 1,103 |
| Earnings coverage of net charge-offs (x) | 32.5593% | 1,434 |
| Efficiency ratio | 68.7388% | 2,523 |
| Assets per employee ($millions) | 5.9847% | 1,475 |
| Cash dividends to net income (ytd only)* | 55.9490% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1612% | 2,926 |
| Loan loss allowance to noncurrent loans | 2,198.5366% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.0326% | 4,863 |
| Noncurrent loans to loans | 0.0528% | 4,675 |
| Net loans and leases to total assets | 61.0494% | 3,706 |
| Net loans and leases to deposits | 68.0548% | 4,013 |
| Net loans and leases to core deposits | 71.2314% | 4,066 |
| Total domestic deposits to total assets | 89.7063% | 664 |
| Equity capital to assets | 9.9676% | 3,657 |
| Core capital (leverage) ratio | 11.0330% | 2,490 |
| Tier 1 risk-based capital ratio | 14.4920% | 3,117 |
| Total risk-based capital ratio | 15.4943% | 3,160 |
| Memoranda: | ||
| Average total assets | $595,539,000 | 1,210 |
| Average earning assets | $571,350,000 | 1,179 |
| Average equity | $62,421,000 | 1,280 |
| Average total loans | $370,151,670 | 1,338 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0003% | 3,605 |
| Cost of funding earning assets | 0.4086% | 3,520 |
| Net interest margin | 3.5917% | 3,214 |
| Noninterest income to average assets | 0.5139% | 2,724 |
| Noninterest expense to average assets | 2.8927% | 2,391 |
| Loan and lease loss provision to assets | 0.1071% | 1,746 |
| Net operating income to assets | 0.9566% | 3,044 |
| Return on assets (ROA) | 0.9566% | 3,060 |
| Pretax return on assets | 0.9566% | 3,681 |
| Return on Equity (ROE) | 8.8905% | 2,959 |
| Retained earnings to average equity (ytd only) | -0.4172% | 4,850 |
| Net charge-offs to loans | 0.1595% | 883 |
| Credit loss provision to net charge-offs | 107.6389% | 1,469 |
| Earnings coverage of net charge-offs (x) | 10.6944% | 1,889 |
| Efficiency ratio | 73.1145% | 2,025 |
| Assets per employee ($millions) | 5.1680% | 2,283 |
| Cash dividends to net income (ytd only)* | 104.6931% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1810% | 2,928 |
| Loan loss allowance to noncurrent loans | 396.6972% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 0.1917% | 4,125 |
| Noncurrent loans to loans | 0.2977% | 3,696 |
| Net loans and leases to total assets | 63.6441% | 3,356 |
| Net loans and leases to deposits | 73.7163% | 3,441 |
| Net loans and leases to core deposits | 80.6147% | 3,276 |
| Total domestic deposits to total assets | 86.3366% | 2,388 |
| Equity capital to assets | 10.7389% | 2,829 |
| Core capital (leverage) ratio | 11.1384% | 2,296 |
| Tier 1 risk-based capital ratio | 14.9655% | 2,881 |
| Total risk-based capital ratio | 15.9818% | 2,933 |
| Memoranda: | ||
| Average total assets | $579,111,500 | 1,252 |
| Average earning assets | $555,054,000 | 1,218 |
| Average equity | $62,313,500 | 1,286 |
| Average total loans | $361,158,500 | 1,363 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0565% | 3,217 |
| Cost of funding earning assets | 0.3371% | 3,822 |
| Net interest margin | 3.7194% | 2,723 |
| Noninterest income to average assets | 0.5452% | 2,746 |
| Noninterest expense to average assets | 2.8813% | 2,520 |
| Loan and lease loss provision to assets | 0.1065% | 2,105 |
| Net operating income to assets | 1.1103% | 1,824 |
| Return on assets (ROA) | 1.1105% | 1,847 |
| Pretax return on assets | 1.1105% | 3,139 |
| Return on Equity (ROE) | 10.3594% | 1,748 |
| Retained earnings to average equity (ytd only) | 6.7027% | 1,192 |
| Net charge-offs to loans | 0.0886% | 2,208 |
| Credit loss provision to net charge-offs | 187.2727% | 1,454 |
| Earnings coverage of net charge-offs (x) | 21.4000% | 1,909 |
| Efficiency ratio | 70.3078% | 2,499 |
| Assets per employee ($millions) | 5.3613% | 2,096 |
| Cash dividends to net income (ytd only)* | 35.2987% | 3,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2109% | 2,708 |
| Loan loss allowance to noncurrent loans | 414.3132% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.1765% | 4,243 |
| Noncurrent loans to loans | 0.2923% | 3,733 |
| Net loans and leases to total assets | 59.6660% | 3,860 |
| Net loans and leases to deposits | 67.1463% | 4,094 |
| Net loans and leases to core deposits | 73.1484% | 3,957 |
| Total domestic deposits to total assets | 88.8597% | 1,064 |
| Equity capital to assets | 10.7807% | 2,861 |
| Core capital (leverage) ratio | 10.8220% | 2,512 |
| Tier 1 risk-based capital ratio | 15.1959% | 2,749 |
| Total risk-based capital ratio | 16.2239% | 2,793 |
| Memoranda: | ||
| Average total assets | $580,358,400 | 1,231 |
| Average earning assets | $554,388,600 | 1,199 |
| Average equity | $62,213,800 | 1,271 |
| Average total loans | $372,531,800 | 1,307 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0785% | 3,059 |
| Cost of funding earning assets | 0.3362% | 3,809 |
| Net interest margin | 3.7423% | 2,605 |
| Noninterest income to average assets | 0.5561% | 2,694 |
| Noninterest expense to average assets | 2.8949% | 2,426 |
| Loan and lease loss provision to assets | 0.1073% | 1,981 |
| Net operating income to assets | 1.1252% | 1,972 |
| Return on assets (ROA) | 1.1254% | 2,035 |
| Pretax return on assets | 1.1254% | 3,206 |
| Return on Equity (ROE) | 10.5138% | 1,898 |
| Retained earnings to average equity (ytd only) | 6.7427% | 1,826 |
| Net charge-offs to loans | 0.0248% | 2,953 |
| Credit loss provision to net charge-offs | 664.2857% | 498 |
| Earnings coverage of net charge-offs (x) | 76.3294% | 844 |
| Efficiency ratio | 70.1392% | 2,516 |
| Assets per employee ($millions) | 5.1333% | 2,295 |
| Cash dividends to net income (ytd only)* | 35.8681% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2095% | 2,875 |
| Loan loss allowance to noncurrent loans | 275.6234% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 0.2790% | 3,951 |
| Noncurrent loans to loans | 0.4388% | 3,392 |
| Net loans and leases to total assets | 62.8074% | 3,567 |
| Net loans and leases to deposits | 70.9756% | 3,877 |
| Net loans and leases to core deposits | 78.0495% | 3,628 |
| Total domestic deposits to total assets | 88.4916% | 1,127 |
| Equity capital to assets | 11.1653% | 2,704 |
| Core capital (leverage) ratio | 10.8441% | 2,602 |
| Tier 1 risk-based capital ratio | 14.8627% | 2,982 |
| Total risk-based capital ratio | 15.9104% | 3,014 |
| Memoranda: | ||
| Average total assets | $578,013,000 | 1,245 |
| Average earning assets | $551,590,750 | 1,210 |
| Average equity | $61,872,750 | 1,285 |
| Average total loans | $376,618,000 | 1,301 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0750% | 2,913 |
| Cost of funding earning assets | 0.3351% | 3,749 |
| Net interest margin | 3.7400% | 2,514 |
| Noninterest income to average assets | 0.5709% | 2,595 |
| Noninterest expense to average assets | 2.8944% | 2,442 |
| Loan and lease loss provision to assets | 0.1064% | 1,913 |
| Net operating income to assets | 1.1360% | 1,833 |
| Return on assets (ROA) | 1.1364% | 1,885 |
| Pretax return on assets | 1.1364% | 3,022 |
| Return on Equity (ROE) | 10.7693% | 1,726 |
| Retained earnings to average equity (ytd only) | 7.0049% | 1,588 |
| Net charge-offs to loans | 0.0294% | 2,618 |
| Credit loss provision to net charge-offs | 550.0000% | 610 |
| Earnings coverage of net charge-offs (x) | 64.2321% | 902 |
| Efficiency ratio | 69.9674% | 2,685 |
| Assets per employee ($millions) | 5.3899% | 1,975 |
| Cash dividends to net income (ytd only)* | 34.9544% | 2,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1532% | 3,299 |
| Loan loss allowance to noncurrent loans | 227.5000% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 0.3200% | 3,845 |
| Noncurrent loans to loans | 0.5069% | 3,241 |
| Net loans and leases to total assets | 62.4023% | 3,582 |
| Net loans and leases to deposits | 70.1883% | 3,899 |
| Net loans and leases to core deposits | 78.0105% | 3,601 |
| Total domestic deposits to total assets | 88.9070% | 1,004 |
| Equity capital to assets | 10.7853% | 3,045 |
| Core capital (leverage) ratio | 10.5658% | 2,848 |
| Tier 1 risk-based capital ratio | 14.4078% | 3,216 |
| Total risk-based capital ratio | 15.4061% | 3,256 |
| Memoranda: | ||
| Average total assets | $579,042,000 | 1,250 |
| Average earning assets | $552,092,670 | 1,209 |
| Average equity | $61,099,670 | 1,301 |
| Average total loans | $380,318,330 | 1,298 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0744% | 2,752 |
| Cost of funding earning assets | 0.3363% | 3,682 |
| Net interest margin | 3.7381% | 2,363 |
| Noninterest income to average assets | 0.6159% | 2,343 |
| Noninterest expense to average assets | 2.9429% | 2,322 |
| Loan and lease loss provision to assets | 0.1058% | 1,807 |
| Net operating income to assets | 1.1329% | 1,735 |
| Return on assets (ROA) | 1.1329% | 1,770 |
| Pretax return on assets | 1.1329% | 2,847 |
| Return on Equity (ROE) | 10.8592% | 1,618 |
| Retained earnings to average equity (ytd only) | 7.3573% | 1,711 |
| Net charge-offs to loans | 0.0436% | 1,961 |
| Credit loss provision to net charge-offs | 361.9048% | 698 |
| Earnings coverage of net charge-offs (x) | 42.3810% | 993 |
| Efficiency ratio | 70.3778% | 2,833 |
| Assets per employee ($millions) | 5.3003% | 2,076 |
| Cash dividends to net income (ytd only)* | 32.2482% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0818% | 3,815 |
| Loan loss allowance to noncurrent loans | 1,896.7890% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.0377% | 5,159 |
| Noncurrent loans to loans | 0.0570% | 4,969 |
| Net loans and leases to total assets | 65.4466% | 3,056 |
| Net loans and leases to deposits | 75.5255% | 3,254 |
| Net loans and leases to core deposits | 84.9212% | 2,819 |
| Total domestic deposits to total assets | 86.6550% | 2,371 |
| Equity capital to assets | 10.5053% | 3,181 |
| Core capital (leverage) ratio | 10.4216% | 2,991 |
| Tier 1 risk-based capital ratio | 13.9536% | 3,512 |
| Total risk-based capital ratio | 14.9046% | 3,589 |
| Memoranda: | ||
| Average total assets | $574,811,000 | 1,252 |
| Average earning assets | $548,302,000 | 1,215 |
| Average equity | $59,967,500 | 1,320 |
| Average total loans | $385,031,000 | 1,293 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0896% | 2,897 |
| Cost of funding earning assets | 0.3179% | 3,867 |
| Net interest margin | 3.7717% | 2,423 |
| Noninterest income to average assets | 0.6064% | 2,626 |
| Noninterest expense to average assets | 2.9634% | 2,455 |
| Loan and lease loss provision to assets | 0.1094% | 2,231 |
| Net operating income to assets | 1.1301% | 1,776 |
| Return on assets (ROA) | 1.1319% | 1,859 |
| Pretax return on assets | 1.1319% | 2,959 |
| Return on Equity (ROE) | 10.3495% | 1,830 |
| Retained earnings to average equity (ytd only) | 7.0206% | 1,220 |
| Net charge-offs to loans | 0.0077% | 4,001 |
| Credit loss provision to net charge-offs | 2,146.4286% | 201 |
| Earnings coverage of net charge-offs (x) | 243.1786% | 291 |
| Efficiency ratio | 70.5085% | 2,826 |
| Assets per employee ($millions) | 5.1521% | 2,231 |
| Cash dividends to net income (ytd only)* | 32.1647% | 3,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0379% | 4,089 |
| Loan loss allowance to noncurrent loans | 22,361.1111% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.0031% | 5,429 |
| Noncurrent loans to loans | 0.0046% | 5,296 |
| Net loans and leases to total assets | 67.1101% | 2,912 |
| Net loans and leases to deposits | 78.8531% | 3,006 |
| Net loans and leases to core deposits | 86.1063% | 2,838 |
| Total domestic deposits to total assets | 85.1078% | 3,001 |
| Equity capital to assets | 10.3591% | 3,318 |
| Core capital (leverage) ratio | 10.6707% | 2,694 |
| Tier 1 risk-based capital ratio | 13.5118% | 3,765 |
| Total risk-based capital ratio | 14.4240% | 3,886 |
| Memoranda: | ||
| Average total assets | $549,339,600 | 1,260 |
| Average earning assets | $523,822,000 | 1,226 |
| Average equity | $60,080,200 | 1,290 |
| Average total loans | $362,694,000 | 1,297 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0920% | 2,902 |
| Cost of funding earning assets | 0.3215% | 3,852 |
| Net interest margin | 3.7706% | 2,448 |
| Noninterest income to average assets | 0.6297% | 2,522 |
| Noninterest expense to average assets | 3.0038% | 2,312 |
| Loan and lease loss provision to assets | 0.1106% | 2,081 |
| Net operating income to assets | 1.1109% | 1,944 |
| Return on assets (ROA) | 1.1133% | 2,045 |
| Pretax return on assets | 1.1133% | 3,171 |
| Return on Equity (ROE) | 10.0401% | 2,037 |
| Retained earnings to average equity (ytd only) | 6.7229% | 1,774 |
| Net charge-offs to loans | 0.0206% | 3,289 |
| Credit loss provision to net charge-offs | 820.0000% | 491 |
| Earnings coverage of net charge-offs (x) | 90.5655% | 702 |
| Efficiency ratio | 71.0911% | 2,726 |
| Assets per employee ($millions) | 4.9452% | 2,426 |
| Cash dividends to net income (ytd only)* | 33.0397% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0576% | 4,086 |
| Loan loss allowance to noncurrent loans | 6,522.0339% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.0107% | 5,483 |
| Noncurrent loans to loans | 0.0162% | 5,327 |
| Net loans and leases to total assets | 64.9989% | 3,272 |
| Net loans and leases to deposits | 73.4424% | 3,646 |
| Net loans and leases to core deposits | 83.1479% | 3,204 |
| Total domestic deposits to total assets | 88.5032% | 1,157 |
| Equity capital to assets | 11.1575% | 2,843 |
| Core capital (leverage) ratio | 10.5929% | 2,886 |
| Tier 1 risk-based capital ratio | 14.0955% | 3,509 |
| Total risk-based capital ratio | 15.0236% | 3,611 |
| Memoranda: | ||
| Average total assets | $543,703,500 | 1,273 |
| Average earning assets | $518,457,250 | 1,235 |
| Average equity | $60,289,750 | 1,295 |
| Average total loans | $356,413,250 | 1,316 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1209% | 2,778 |
| Cost of funding earning assets | 0.3219% | 3,877 |
| Net interest margin | 3.7990% | 2,318 |
| Noninterest income to average assets | 0.6193% | 2,509 |
| Noninterest expense to average assets | 2.9964% | 2,360 |
| Loan and lease loss provision to assets | 0.1107% | 2,027 |
| Net operating income to assets | 1.1297% | 1,858 |
| Return on assets (ROA) | 1.1334% | 1,948 |
| Pretax return on assets | 1.1334% | 3,069 |
| Return on Equity (ROE) | 10.2430% | 1,950 |
| Retained earnings to average equity (ytd only) | 6.8978% | 1,660 |
| Net charge-offs to loans | 0.0266% | 2,949 |
| Credit loss provision to net charge-offs | 636.1702% | 538 |
| Earnings coverage of net charge-offs (x) | 71.2979% | 765 |
| Efficiency ratio | 70.7234% | 2,872 |
| Assets per employee ($millions) | 4.7803% | 2,588 |
| Cash dividends to net income (ytd only)* | 32.6584% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0312% | 4,340 |
| Loan loss allowance to noncurrent loans | 14,242.3077% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.0048% | 5,620 |
| Noncurrent loans to loans | 0.0072% | 5,478 |
| Net loans and leases to total assets | 65.2131% | 3,195 |
| Net loans and leases to deposits | 73.7442% | 3,623 |
| Net loans and leases to core deposits | 83.2047% | 3,147 |
| Total domestic deposits to total assets | 88.4316% | 1,210 |
| Equity capital to assets | 11.2616% | 2,788 |
| Core capital (leverage) ratio | 10.6379% | 2,806 |
| Tier 1 risk-based capital ratio | 14.2974% | 3,438 |
| Total risk-based capital ratio | 15.2186% | 3,546 |
| Memoranda: | ||
| Average total assets | $540,318,330 | 1,286 |
| Average earning assets | $514,501,000 | 1,250 |
| Average equity | $59,787,330 | 1,303 |
| Average total loans | $353,934,330 | 1,322 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1447% | 2,667 |
| Cost of funding earning assets | 0.3175% | 3,978 |
| Net interest margin | 3.8272% | 2,197 |
| Noninterest income to average assets | 0.5457% | 2,834 |
| Noninterest expense to average assets | 2.9836% | 2,442 |
| Loan and lease loss provision to assets | 0.1108% | 1,880 |
| Net operating income to assets | 1.0989% | 1,904 |
| Return on assets (ROA) | 1.1063% | 1,979 |
| Pretax return on assets | 1.1063% | 3,069 |
| Return on Equity (ROE) | 10.0888% | 1,949 |
| Retained earnings to average equity (ytd only) | 6.6988% | 2,030 |
| Net charge-offs to loans | 0.0091% | 2,823 |
| Credit loss provision to net charge-offs | 1,862.5000% | 229 |
| Earnings coverage of net charge-offs (x) | 203.3750% | 300 |
| Efficiency ratio | 71.1525% | 2,929 |
| Assets per employee ($millions) | 4.7173% | 2,716 |
| Cash dividends to net income (ytd only)* | 33.6022% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0118% | 4,537 |
| Loan loss allowance to noncurrent loans | 6,416.0714% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.0105% | 5,631 |
| Noncurrent loans to loans | 0.0158% | 5,454 |
| Net loans and leases to total assets | 65.9437% | 2,956 |
| Net loans and leases to deposits | 74.5012% | 3,376 |
| Net loans and leases to core deposits | 82.7038% | 3,064 |
| Total domestic deposits to total assets | 88.5136% | 1,349 |
| Equity capital to assets | 11.2523% | 2,674 |
| Core capital (leverage) ratio | 10.5366% | 2,918 |
| Tier 1 risk-based capital ratio | 14.3840% | 3,453 |
| Total risk-based capital ratio | 15.2999% | 3,588 |
| Memoranda: | ||
| Average total assets | $538,002,500 | 1,292 |
| Average earning assets | $512,746,500 | 1,260 |
| Average equity | $58,996,000 | 1,315 |
| Average total loans | $351,360,500 | 1,324 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0404% | 3,157 |
| Cost of funding earning assets | 0.3014% | 4,233 |
| Net interest margin | 3.7389% | 2,609 |
| Noninterest income to average assets | 0.5583% | 2,969 |
| Noninterest expense to average assets | 2.8559% | 3,007 |
| Loan and lease loss provision to assets | 0.0331% | 3,703 |
| Net operating income to assets | 1.2293% | 1,452 |
| Return on assets (ROA) | 1.2294% | 1,515 |
| Pretax return on assets | 1.2294% | 2,547 |
| Return on Equity (ROE) | 11.6282% | 1,402 |
| Retained earnings to average equity (ytd only) | 8.1414% | 867 |
| Net charge-offs to loans | 0.0917% | 2,519 |
| Credit loss provision to net charge-offs | 57.3770% | 3,291 |
| Earnings coverage of net charge-offs (x) | 21.8918% | 1,792 |
| Efficiency ratio | 69.3477% | 3,334 |
| Assets per employee ($millions) | 4.8478% | 2,531 |
| Cash dividends to net income (ytd only)* | 29.9862% | 3,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9931% | 4,654 |
| Loan loss allowance to noncurrent loans | 10,152.9412% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.0063% | 5,690 |
| Noncurrent loans to loans | 0.0098% | 5,496 |
| Net loans and leases to total assets | 63.3870% | 3,363 |
| Net loans and leases to deposits | 73.6803% | 3,533 |
| Net loans and leases to core deposits | 80.0288% | 3,343 |
| Total domestic deposits to total assets | 86.0298% | 2,628 |
| Equity capital to assets | 10.6844% | 3,151 |
| Core capital (leverage) ratio | 10.2894% | 3,165 |
| Tier 1 risk-based capital ratio | 14.2898% | 3,555 |
| Total risk-based capital ratio | 15.1793% | 3,683 |
| Memoranda: | ||
| Average total assets | $528,938,400 | 1,278 |
| Average earning assets | $503,618,600 | 1,240 |
| Average equity | $55,924,200 | 1,339 |
| Average total loans | $332,440,400 | 1,347 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0316% | 3,202 |
| Cost of funding earning assets | 0.3015% | 4,328 |
| Net interest margin | 3.7301% | 2,646 |
| Noninterest income to average assets | 0.5626% | 2,968 |
| Noninterest expense to average assets | 2.8527% | 2,997 |
| Loan and lease loss provision to assets | 0.0152% | 3,962 |
| Net operating income to assets | 1.2457% | 1,509 |
| Return on assets (ROA) | 1.2457% | 1,559 |
| Pretax return on assets | 1.2457% | 2,625 |
| Return on Equity (ROE) | 11.8139% | 1,426 |
| Retained earnings to average equity (ytd only) | 8.3243% | 1,121 |
| Net charge-offs to loans | 0.1181% | 1,940 |
| Credit loss provision to net charge-offs | 20.6186% | 3,360 |
| Earnings coverage of net charge-offs (x) | 17.0756% | 2,078 |
| Efficiency ratio | 69.3480% | 3,319 |
| Assets per employee ($millions) | 4.7914% | 2,572 |
| Cash dividends to net income (ytd only)* | 29.5377% | 2,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9716% | 4,886 |
| Loan loss allowance to noncurrent loans | 8,592.3077% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.0072% | 5,780 |
| Noncurrent loans to loans | 0.0113% | 5,594 |
| Net loans and leases to total assets | 63.0803% | 3,441 |
| Net loans and leases to deposits | 70.9516% | 3,882 |
| Net loans and leases to core deposits | 76.4906% | 3,742 |
| Total domestic deposits to total assets | 88.9061% | 1,075 |
| Equity capital to assets | 10.5531% | 3,546 |
| Core capital (leverage) ratio | 10.1325% | 3,459 |
| Tier 1 risk-based capital ratio | 14.4535% | 3,604 |
| Total risk-based capital ratio | 15.3446% | 3,737 |
| Memoranda: | ||
| Average total assets | $525,435,750 | 1,295 |
| Average earning assets | $500,200,500 | 1,252 |
| Average equity | $55,402,500 | 1,358 |
| Average total loans | $328,647,750 | 1,366 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0084% | 3,256 |
| Cost of funding earning assets | 0.2996% | 4,401 |
| Net interest margin | 3.7088% | 2,673 |
| Noninterest income to average assets | 0.5537% | 3,018 |
| Noninterest expense to average assets | 2.8406% | 3,103 |
| Loan and lease loss provision to assets | 0.0062% | 3,974 |
| Net operating income to assets | 1.2347% | 1,508 |
| Return on assets (ROA) | 1.2347% | 1,576 |
| Pretax return on assets | 1.2347% | 2,628 |
| Return on Equity (ROE) | 11.7138% | 1,467 |
| Retained earnings to average equity (ytd only) | 8.0658% | 1,241 |
| Net charge-offs to loans | 0.1380% | 1,673 |
| Credit loss provision to net charge-offs | 7.1749% | 3,117 |
| Earnings coverage of net charge-offs (x) | 14.4709% | 2,055 |
| Efficiency ratio | 69.5968% | 3,401 |
| Assets per employee ($millions) | 4.7304% | 2,632 |
| Cash dividends to net income (ytd only)* | 31.1429% | 2,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0282% | 4,720 |
| Loan loss allowance to noncurrent loans | 2,109.3750% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.0305% | 5,750 |
| Noncurrent loans to loans | 0.0487% | 5,552 |
| Net loans and leases to total assets | 61.8695% | 3,568 |
| Net loans and leases to deposits | 69.3861% | 3,995 |
| Net loans and leases to core deposits | 74.8010% | 3,879 |
| Total domestic deposits to total assets | 89.1670% | 1,062 |
| Equity capital to assets | 10.5553% | 3,381 |
| Core capital (leverage) ratio | 10.2531% | 3,281 |
| Tier 1 risk-based capital ratio | 14.7223% | 3,519 |
| Total risk-based capital ratio | 15.6579% | 3,610 |
| Memoranda: | ||
| Average total assets | $520,106,330 | 1,312 |
| Average earning assets | $494,709,000 | 1,278 |
| Average equity | $54,824,330 | 1,378 |
| Average total loans | $323,236,000 | 1,387 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9931% | 3,253 |
| Cost of funding earning assets | 0.2976% | 4,467 |
| Net interest margin | 3.6955% | 2,630 |
| Noninterest income to average assets | 0.5541% | 2,927 |
| Noninterest expense to average assets | 2.8175% | 3,186 |
| Loan and lease loss provision to assets | 0.0054% | 3,637 |
| Net operating income to assets | 1.2434% | 1,426 |
| Return on assets (ROA) | 1.2434% | 1,511 |
| Pretax return on assets | 1.2434% | 2,500 |
| Return on Equity (ROE) | 11.8038% | 1,399 |
| Retained earnings to average equity (ytd only) | 8.1357% | 1,517 |
| Net charge-offs to loans | 0.2681% | 892 |
| Credit loss provision to net charge-offs | 3.2558% | 2,473 |
| Earnings coverage of net charge-offs (x) | 7.5163% | 2,161 |
| Efficiency ratio | 69.2892% | 3,613 |
| Assets per employee ($millions) | 4.8101% | 2,610 |
| Cash dividends to net income (ytd only)* | 31.0752% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0439% | 4,795 |
| Loan loss allowance to noncurrent loans | 1,853.8462% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.0354% | 5,796 |
| Noncurrent loans to loans | 0.0563% | 5,548 |
| Net loans and leases to total assets | 62.1420% | 3,346 |
| Net loans and leases to deposits | 70.1598% | 3,734 |
| Net loans and leases to core deposits | 76.0174% | 3,597 |
| Total domestic deposits to total assets | 88.5721% | 1,511 |
| Equity capital to assets | 10.7912% | 3,203 |
| Core capital (leverage) ratio | 10.2169% | 3,322 |
| Tier 1 risk-based capital ratio | 14.9127% | 3,477 |
| Total risk-based capital ratio | 15.8803% | 3,564 |
| Memoranda: | ||
| Average total assets | $517,623,000 | 1,324 |
| Average earning assets | $491,944,500 | 1,288 |
| Average equity | $54,525,000 | 1,395 |
| Average total loans | $320,736,500 | 1,396 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1174% | 3,259 |
| Cost of funding earning assets | 0.2981% | 4,815 |
| Net interest margin | 3.8193% | 2,553 |
| Noninterest income to average assets | 0.7018% | 2,294 |
| Noninterest expense to average assets | 2.9379% | 3,032 |
| Loan and lease loss provision to assets | 0.0048% | 4,518 |
| Net operating income to assets | 1.3666% | 1,147 |
| Return on assets (ROA) | 1.3744% | 1,176 |
| Pretax return on assets | 1.3744% | 1,981 |
| Return on Equity (ROE) | 13.5434% | 1,030 |
| Retained earnings to average equity (ytd only) | 9.1277% | 682 |
| Net charge-offs to loans | 0.0132% | 4,624 |
| Credit loss provision to net charge-offs | 61.5385% | 3,257 |
| Earnings coverage of net charge-offs (x) | 176.5641% | 303 |
| Efficiency ratio | 68.1764% | 3,871 |
| Assets per employee ($millions) | 4.6479% | 2,800 |
| Cash dividends to net income (ytd only)* | 32.6040% | 3,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1255% | 4,416 |
| Loan loss allowance to noncurrent loans | 1,174.4262% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.0586% | 5,782 |
| Noncurrent loans to loans | 0.0958% | 5,509 |
| Net loans and leases to total assets | 60.4505% | 3,729 |
| Net loans and leases to deposits | 68.8535% | 4,043 |
| Net loans and leases to core deposits | 74.8563% | 3,834 |
| Total domestic deposits to total assets | 87.7958% | 1,874 |
| Equity capital to assets | 10.2792% | 3,753 |
| Core capital (leverage) ratio | 10.0688% | 3,474 |
| Tier 1 risk-based capital ratio | 14.3022% | 3,895 |
| Total risk-based capital ratio | 15.3081% | 3,975 |
| Memoranda: | ||
| Average total assets | $502,119,600 | 1,330 |
| Average earning assets | $474,279,000 | 1,291 |
| Average equity | $50,954,800 | 1,425 |
| Average total loans | $295,517,000 | 1,446 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1175% | 3,309 |
| Cost of funding earning assets | 0.3017% | 4,873 |
| Net interest margin | 3.8158% | 2,559 |
| Noninterest income to average assets | 0.7469% | 2,111 |
| Noninterest expense to average assets | 2.9737% | 2,891 |
| Loan and lease loss provision to assets | 0.0059% | 4,299 |
| Net operating income to assets | 1.3703% | 1,193 |
| Return on assets (ROA) | 1.3807% | 1,213 |
| Pretax return on assets | 1.3807% | 2,079 |
| Return on Equity (ROE) | 13.6520% | 1,061 |
| Retained earnings to average equity (ytd only) | 9.2798% | 904 |
| Net charge-offs to loans | 0.0147% | 4,261 |
| Credit loss provision to net charge-offs | 68.7500% | 2,792 |
| Earnings coverage of net charge-offs (x) | 160.4523% | 386 |
| Efficiency ratio | 68.3630% | 3,796 |
| Assets per employee ($millions) | 4.5124% | 2,949 |
| Cash dividends to net income (ytd only)* | 32.0265% | 2,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1911% | 4,278 |
| Loan loss allowance to noncurrent loans | 844.0000% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.0849% | 5,828 |
| Noncurrent loans to loans | 0.1411% | 5,497 |
| Net loans and leases to total assets | 59.4080% | 3,882 |
| Net loans and leases to deposits | 66.9700% | 4,235 |
| Net loans and leases to core deposits | 73.0277% | 4,048 |
| Total domestic deposits to total assets | 88.7084% | 1,396 |
| Equity capital to assets | 10.5405% | 3,507 |
| Core capital (leverage) ratio | 10.0138% | 3,661 |
| Tier 1 risk-based capital ratio | 14.5261% | 3,869 |
| Total risk-based capital ratio | 15.5728% | 3,935 |
| Memoranda: | ||
| Average total assets | $497,507,500 | 1,353 |
| Average earning assets | $469,757,250 | 1,314 |
| Average equity | $50,316,000 | 1,446 |
| Average total loans | $289,829,250 | 1,488 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0973% | 3,351 |
| Cost of funding earning assets | 0.3017% | 4,953 |
| Net interest margin | 3.7956% | 2,589 |
| Noninterest income to average assets | 0.7571% | 2,017 |
| Noninterest expense to average assets | 2.9852% | 2,888 |
| Loan and lease loss provision to assets | 0.0056% | 4,121 |
| Net operating income to assets | 1.3401% | 1,204 |
| Return on assets (ROA) | 1.3558% | 1,218 |
| Pretax return on assets | 1.3558% | 2,057 |
| Return on Equity (ROE) | 13.5988% | 1,033 |
| Retained earnings to average equity (ytd only) | 8.9514% | 1,000 |
| Net charge-offs to loans | 0.0154% | 3,923 |
| Credit loss provision to net charge-offs | 63.6364% | 2,586 |
| Earnings coverage of net charge-offs (x) | 151.8182% | 406 |
| Efficiency ratio | 68.9273% | 3,846 |
| Assets per employee ($millions) | 4.5605% | 2,824 |
| Cash dividends to net income (ytd only)* | 34.1753% | 2,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2287% | 4,281 |
| Loan loss allowance to noncurrent loans | 985.9890% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.0713% | 5,958 |
| Noncurrent loans to loans | 0.1246% | 5,648 |
| Net loans and leases to total assets | 56.4830% | 4,204 |
| Net loans and leases to deposits | 65.6908% | 4,299 |
| Net loans and leases to core deposits | 71.2897% | 4,122 |
| Total domestic deposits to total assets | 85.9832% | 3,045 |
| Equity capital to assets | 10.0510% | 4,036 |
| Core capital (leverage) ratio | 9.8847% | 3,767 |
| Tier 1 risk-based capital ratio | 14.2723% | 4,083 |
| Total risk-based capital ratio | 15.3286% | 4,138 |
| Memoranda: | ||
| Average total assets | $496,384,330 | 1,351 |
| Average earning assets | $467,380,000 | 1,313 |
| Average equity | $49,489,670 | 1,452 |
| Average total loans | $286,056,330 | 1,495 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0867% | 3,337 |
| Cost of funding earning assets | 0.3014% | 5,048 |
| Net interest margin | 3.7853% | 2,526 |
| Noninterest income to average assets | 0.7163% | 2,098 |
| Noninterest expense to average assets | 2.9853% | 2,915 |
| Loan and lease loss provision to assets | 0.0057% | 3,748 |
| Net operating income to assets | 1.3189% | 1,168 |
| Return on assets (ROA) | 1.3189% | 1,213 |
| Pretax return on assets | 1.3189% | 2,030 |
| Return on Equity (ROE) | 13.2852% | 1,089 |
| Retained earnings to average equity (ytd only) | 7.9316% | 1,620 |
| Net charge-offs to loans | 0.0141% | 3,314 |
| Credit loss provision to net charge-offs | 70.0000% | 2,003 |
| Earnings coverage of net charge-offs (x) | 162.0000% | 302 |
| Efficiency ratio | 69.2658% | 3,954 |
| Assets per employee ($millions) | 4.3052% | 3,329 |
| Cash dividends to net income (ytd only)* | 40.2976% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2650% | 4,309 |
| Loan loss allowance to noncurrent loans | 979.2916% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.0809% | 6,009 |
| Noncurrent loans to loans | 0.1292% | 5,720 |
| Net loans and leases to total assets | 57.1553% | 3,974 |
| Net loans and leases to deposits | 66.3053% | 4,058 |
| Net loans and leases to core deposits | 71.7769% | 3,894 |
| Total domestic deposits to total assets | 86.2002% | 3,253 |
| Equity capital to assets | 10.1017% | 3,724 |
| Core capital (leverage) ratio | 9.7156% | 3,976 |
| Tier 1 risk-based capital ratio | 14.1926% | 4,197 |
| Total risk-based capital ratio | 15.2723% | 4,259 |
| Memoranda: | ||
| Average total assets | $489,190,000 | 1,382 |
| Average earning assets | $464,428,500 | 1,328 |
| Average equity | $48,565,500 | 1,474 |
| Average total loans | $283,040,000 | 1,514 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1564% | 3,513 |
| Cost of funding earning assets | 0.3419% | 5,224 |
| Net interest margin | 3.8145% | 2,602 |
| Noninterest income to average assets | 0.5931% | 3,133 |
| Noninterest expense to average assets | 2.9345% | 3,259 |
| Loan and lease loss provision to assets | 0.0788% | 3,533 |
| Net operating income to assets | 1.2001% | 1,563 |
| Return on assets (ROA) | 1.2001% | 1,633 |
| Pretax return on assets | 1.2001% | 2,583 |
| Return on Equity (ROE) | 12.2449% | 1,340 |
| Retained earnings to average equity (ytd only) | 9.1116% | 751 |
| Net charge-offs to loans | 0.0311% | 4,815 |
| Credit loss provision to net charge-offs | 458.3333% | 501 |
| Earnings coverage of net charge-offs (x) | 74.3690% | 578 |
| Efficiency ratio | 69.6468% | 3,890 |
| Assets per employee ($millions) | 4.4326% | 3,025 |
| Cash dividends to net income (ytd only)* | 25.5885% | 3,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2756% | 4,268 |
| Loan loss allowance to noncurrent loans | 906.0453% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.0876% | 6,082 |
| Noncurrent loans to loans | 0.1408% | 5,778 |
| Net loans and leases to total assets | 57.0923% | 4,181 |
| Net loans and leases to deposits | 63.3939% | 4,574 |
| Net loans and leases to core deposits | 68.7986% | 4,423 |
| Total domestic deposits to total assets | 90.0597% | 1,044 |
| Equity capital to assets | 9.7526% | 4,099 |
| Core capital (leverage) ratio | 9.5145% | 4,239 |
| Tier 1 risk-based capital ratio | 14.1689% | 4,173 |
| Total risk-based capital ratio | 15.2702% | 4,218 |
| Memoranda: | ||
| Average total assets | $488,460,000 | 1,358 |
| Average earning assets | $463,595,600 | 1,312 |
| Average equity | $47,873,000 | 1,467 |
| Average total loans | $270,455,400 | 1,550 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0951% | 3,782 |
| Cost of funding earning assets | 0.3498% | 5,295 |
| Net interest margin | 3.7453% | 2,864 |
| Noninterest income to average assets | 0.5814% | 3,264 |
| Noninterest expense to average assets | 2.9169% | 3,245 |
| Loan and lease loss provision to assets | 0.1029% | 3,050 |
| Net operating income to assets | 1.1140% | 1,957 |
| Return on assets (ROA) | 1.1140% | 2,025 |
| Pretax return on assets | 1.1140% | 3,049 |
| Return on Equity (ROE) | 11.3525% | 1,693 |
| Retained earnings to average equity (ytd only) | 8.8501% | 1,100 |
| Net charge-offs to loans | 0.0374% | 4,400 |
| Credit loss provision to net charge-offs | 502.6667% | 543 |
| Earnings coverage of net charge-offs (x) | 59.4652% | 760 |
| Efficiency ratio | 70.5630% | 3,661 |
| Assets per employee ($millions) | 4.2431% | 3,345 |
| Cash dividends to net income (ytd only)* | 22.0426% | 3,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3056% | 4,358 |
| Loan loss allowance to noncurrent loans | 1,258.0420% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.0653% | 6,248 |
| Noncurrent loans to loans | 0.1038% | 6,020 |
| Net loans and leases to total assets | 56.2296% | 4,284 |
| Net loans and leases to deposits | 62.4606% | 4,696 |
| Net loans and leases to core deposits | 67.6700% | 4,555 |
| Total domestic deposits to total assets | 90.0241% | 984 |
| Equity capital to assets | 9.6354% | 4,376 |
| Core capital (leverage) ratio | 9.3495% | 4,617 |
| Tier 1 risk-based capital ratio | 14.1641% | 4,310 |
| Total risk-based capital ratio | 15.2940% | 4,345 |
| Memoranda: | ||
| Average total assets | $488,677,250 | 1,364 |
| Average earning assets | $463,500,750 | 1,319 |
| Average equity | $47,953,000 | 1,473 |
| Average total loans | $267,575,750 | 1,570 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9876% | 4,153 |
| Cost of funding earning assets | 0.3546% | 5,354 |
| Net interest margin | 3.6330% | 3,234 |
| Noninterest income to average assets | 0.5670% | 3,404 |
| Noninterest expense to average assets | 2.8703% | 3,438 |
| Loan and lease loss provision to assets | 0.1509% | 2,434 |
| Net operating income to assets | 0.9973% | 2,335 |
| Return on assets (ROA) | 0.9973% | 2,478 |
| Pretax return on assets | 0.9973% | 3,522 |
| Return on Equity (ROE) | 10.1030% | 2,159 |
| Retained earnings to average equity (ytd only) | 8.4502% | 1,314 |
| Net charge-offs to loans | 0.0347% | 4,198 |
| Credit loss provision to net charge-offs | 804.3478% | 380 |
| Earnings coverage of net charge-offs (x) | 61.1957% | 688 |
| Efficiency ratio | 71.4271% | 3,574 |
| Assets per employee ($millions) | 4.2533% | 3,246 |
| Cash dividends to net income (ytd only)* | 16.3599% | 3,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3125% | 4,443 |
| Loan loss allowance to noncurrent loans | 780.1724% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.1132% | 6,147 |
| Noncurrent loans to loans | 0.1682% | 5,901 |
| Net loans and leases to total assets | 56.1345% | 4,264 |
| Net loans and leases to deposits | 62.9965% | 4,626 |
| Net loans and leases to core deposits | 68.0791% | 4,488 |
| Total domestic deposits to total assets | 89.1074% | 1,565 |
| Equity capital to assets | 9.6306% | 4,412 |
| Core capital (leverage) ratio | 9.0416% | 4,919 |
| Tier 1 risk-based capital ratio | 13.7670% | 4,590 |
| Total risk-based capital ratio | 14.9006% | 4,638 |
| Memoranda: | ||
| Average total assets | $490,330,670 | 1,365 |
| Average earning assets | $465,842,670 | 1,311 |
| Average equity | $48,401,330 | 1,472 |
| Average total loans | $264,904,330 | 1,579 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9228% | 4,395 |
| Cost of funding earning assets | 0.3662% | 5,403 |
| Net interest margin | 3.5566% | 3,447 |
| Noninterest income to average assets | 0.5468% | 3,464 |
| Noninterest expense to average assets | 2.7737% | 3,791 |
| Loan and lease loss provision to assets | 0.1493% | 2,387 |
| Net operating income to assets | 1.0035% | 2,210 |
| Return on assets (ROA) | 1.0035% | 2,327 |
| Pretax return on assets | 1.0035% | 3,336 |
| Return on Equity (ROE) | 10.0460% | 2,044 |
| Retained earnings to average equity (ytd only) | 10.0460% | 1,094 |
| Net charge-offs to loans | 0.0601% | 3,216 |
| Credit loss provision to net charge-offs | 471.7949% | 561 |
| Earnings coverage of net charge-offs (x) | 36.4359% | 850 |
| Efficiency ratio | 70.6405% | 3,865 |
| Assets per employee ($millions) | 4.4922% | 2,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3345% | 4,538 |
| Loan loss allowance to noncurrent loans | 724.4211% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.1133% | 6,228 |
| Noncurrent loans to loans | 0.1842% | 5,944 |
| Net loans and leases to total assets | 51.4869% | 4,771 |
| Net loans and leases to deposits | 57.3417% | 5,102 |
| Net loans and leases to core deposits | 61.7586% | 4,973 |
| Total domestic deposits to total assets | 89.7897% | 1,172 |
| Equity capital to assets | 10.0116% | 4,137 |
| Core capital (leverage) ratio | 8.9372% | 4,989 |
| Tier 1 risk-based capital ratio | 14.5667% | 4,127 |
| Total risk-based capital ratio | 15.7282% | 4,154 |
| Memoranda: | ||
| Average total assets | $493,056,000 | 1,369 |
| Average earning assets | $468,538,000 | 1,316 |
| Average equity | $49,253,500 | 1,472 |
| Average total loans | $259,454,000 | 1,617 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3449% | 4,037 |
| Cost of funding earning assets | 0.4716% | 5,409 |
| Net interest margin | 3.8733% | 2,931 |
| Noninterest income to average assets | 0.5877% | 3,348 |
| Noninterest expense to average assets | 2.9329% | 3,528 |
| Loan and lease loss provision to assets | 0.1687% | 3,514 |
| Net operating income to assets | 1.1434% | 1,794 |
| Return on assets (ROA) | 1.1434% | 1,961 |
| Pretax return on assets | 1.1434% | 3,009 |
| Return on Equity (ROE) | 10.7210% | 1,899 |
| Retained earnings to average equity (ytd only) | 8.7145% | 906 |
| Net charge-offs to loans | 0.0937% | 4,735 |
| Credit loss provision to net charge-offs | 332.8889% | 732 |
| Earnings coverage of net charge-offs (x) | 25.8889% | 1,120 |
| Efficiency ratio | 69.0899% | 3,958 |
| Assets per employee ($millions) | 4.7305% | 2,600 |
| Cash dividends to net income (ytd only)* | 18.7155% | 3,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2626% | 4,811 |
| Loan loss allowance to noncurrent loans | 573.2174% | 726 |
| Noncurrent assets plus other real estate owned to assets | 0.1342% | 6,227 |
| Noncurrent loans to loans | 0.2203% | 5,924 |
| Net loans and leases to total assets | 52.3919% | 4,870 |
| Net loans and leases to deposits | 58.3100% | 5,206 |
| Net loans and leases to core deposits | 62.0562% | 5,150 |
| Total domestic deposits to total assets | 89.8507% | 1,039 |
| Equity capital to assets | 9.9672% | 4,215 |
| Core capital (leverage) ratio | 9.0805% | 4,765 |
| Tier 1 risk-based capital ratio | 14.0497% | 4,350 |
| Total risk-based capital ratio | 15.1541% | 4,411 |
| Memoranda: | ||
| Average total assets | $443,931,200 | 1,482 |
| Average earning assets | $419,179,600 | 1,435 |
| Average equity | $47,346,200 | 1,475 |
| Average total loans | $240,007,800 | 1,718 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3856% | 4,108 |
| Cost of funding earning assets | 0.4924% | 5,484 |
| Net interest margin | 3.8931% | 2,934 |
| Noninterest income to average assets | 0.5930% | 3,327 |
| Noninterest expense to average assets | 2.9749% | 3,324 |
| Loan and lease loss provision to assets | 0.1735% | 3,397 |
| Net operating income to assets | 1.1199% | 2,024 |
| Return on assets (ROA) | 1.1199% | 2,219 |
| Pretax return on assets | 1.1199% | 3,273 |
| Return on Equity (ROE) | 10.3087% | 2,210 |
| Retained earnings to average equity (ytd only) | 8.0355% | 1,606 |
| Net charge-offs to loans | 0.0562% | 4,866 |
| Credit loss provision to net charge-offs | 567.6768% | 461 |
| Earnings coverage of net charge-offs (x) | 42.3222% | 842 |
| Efficiency ratio | 69.6970% | 3,751 |
| Assets per employee ($millions) | 4.1963% | 3,480 |
| Cash dividends to net income (ytd only)* | 22.0507% | 2,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2854% | 4,879 |
| Loan loss allowance to noncurrent loans | 396.9325% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.1866% | 6,241 |
| Noncurrent loans to loans | 0.3238% | 5,830 |
| Net loans and leases to total assets | 55.8525% | 4,480 |
| Net loans and leases to deposits | 62.8896% | 4,860 |
| Net loans and leases to core deposits | 67.1314% | 4,823 |
| Total domestic deposits to total assets | 88.8103% | 1,531 |
| Equity capital to assets | 10.9112% | 3,369 |
| Core capital (leverage) ratio | 9.4822% | 4,297 |
| Tier 1 risk-based capital ratio | 14.3461% | 4,305 |
| Total risk-based capital ratio | 15.4886% | 4,327 |
| Memoranda: | ||
| Average total assets | $431,920,750 | 1,542 |
| Average earning assets | $407,750,250 | 1,498 |
| Average equity | $46,923,750 | 1,502 |
| Average total loans | $234,747,250 | 1,760 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3914% | 4,217 |
| Cost of funding earning assets | 0.5100% | 5,558 |
| Net interest margin | 3.8815% | 2,991 |
| Noninterest income to average assets | 0.5898% | 3,319 |
| Noninterest expense to average assets | 2.9638% | 3,393 |
| Loan and lease loss provision to assets | 0.1745% | 3,359 |
| Net operating income to assets | 1.1145% | 1,998 |
| Return on assets (ROA) | 1.1145% | 2,210 |
| Pretax return on assets | 1.1145% | 3,254 |
| Return on Equity (ROE) | 10.2744% | 2,252 |
| Retained earnings to average equity (ytd only) | 7.2563% | 1,979 |
| Net charge-offs to loans | -0.0070% | 6,222 |
| Credit loss provision to net charge-offs | -4,662.5000% | 6,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6910% | 3,814 |
| Assets per employee ($millions) | 4.0922% | 3,681 |
| Cash dividends to net income (ytd only)* | 29.3747% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3134% | 4,838 |
| Loan loss allowance to noncurrent loans | 734.9650% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.0980% | 6,557 |
| Noncurrent loans to loans | 0.1787% | 6,223 |
| Net loans and leases to total assets | 54.1061% | 4,783 |
| Net loans and leases to deposits | 63.4832% | 4,829 |
| Net loans and leases to core deposits | 68.0276% | 4,781 |
| Total domestic deposits to total assets | 85.2290% | 3,755 |
| Equity capital to assets | 10.7908% | 3,351 |
| Core capital (leverage) ratio | 9.3313% | 4,410 |
| Tier 1 risk-based capital ratio | 14.7657% | 3,922 |
| Total risk-based capital ratio | 15.9452% | 3,929 |
| Memoranda: | ||
| Average total assets | $427,624,000 | 1,561 |
| Average earning assets | $403,557,670 | 1,514 |
| Average equity | $46,387,000 | 1,502 |
| Average total loans | $229,105,330 | 1,788 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4469% | 4,131 |
| Cost of funding earning assets | 0.5333% | 5,594 |
| Net interest margin | 3.9135% | 2,868 |
| Noninterest income to average assets | 0.5927% | 3,283 |
| Noninterest expense to average assets | 2.9614% | 3,420 |
| Loan and lease loss provision to assets | 0.1742% | 3,224 |
| Net operating income to assets | 1.1531% | 1,873 |
| Return on assets (ROA) | 1.1531% | 2,052 |
| Pretax return on assets | 1.1531% | 3,097 |
| Return on Equity (ROE) | 10.6014% | 2,192 |
| Retained earnings to average equity (ytd only) | 7.1199% | 2,369 |
| Net charge-offs to loans | 0.0161% | 4,460 |
| Credit loss provision to net charge-offs | 2,044.4444% | 154 |
| Earnings coverage of net charge-offs (x) | 155.7778% | 238 |
| Efficiency ratio | 69.0508% | 3,974 |
| Assets per employee ($millions) | 4.2022% | 3,571 |
| Cash dividends to net income (ytd only)* | 32.8407% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2796% | 5,109 |
| Loan loss allowance to noncurrent loans | 1,009.2466% | 389 |
| Noncurrent assets plus other real estate owned to assets | 0.0681% | 6,718 |
| Noncurrent loans to loans | 0.1268% | 6,431 |
| Net loans and leases to total assets | 53.0430% | 4,877 |
| Net loans and leases to deposits | 61.3083% | 5,009 |
| Net loans and leases to core deposits | 65.6880% | 4,948 |
| Total domestic deposits to total assets | 86.5184% | 3,234 |
| Equity capital to assets | 10.7391% | 3,224 |
| Core capital (leverage) ratio | 9.2940% | 4,376 |
| Tier 1 risk-based capital ratio | 14.7377% | 3,936 |
| Total risk-based capital ratio | 15.8626% | 3,973 |
| Memoranda: | ||
| Average total assets | $422,504,000 | 1,577 |
| Average earning assets | $399,024,000 | 1,524 |
| Average equity | $45,956,000 | 1,514 |
| Average total loans | $223,626,000 | 1,829 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3963% | 5,441 |
| Cost of funding earning assets | 0.6241% | 5,965 |
| Net interest margin | 3.7721% | 3,967 |
| Noninterest income to average assets | 0.6415% | 2,938 |
| Noninterest expense to average assets | 3.1834% | 2,922 |
| Loan and lease loss provision to assets | 0.1409% | 4,856 |
| Net operating income to assets | 0.8678% | 2,745 |
| Return on assets (ROA) | 0.8686% | 2,882 |
| Pretax return on assets | 0.8686% | 3,715 |
| Return on Equity (ROE) | 7.7486% | 3,032 |
| Retained earnings to average equity (ytd only) | 6.2210% | 1,897 |
| Net charge-offs to loans | 0.0394% | 5,916 |
| Credit loss provision to net charge-offs | 743.0556% | 295 |
| Earnings coverage of net charge-offs (x) | 53.1806% | 526 |
| Efficiency ratio | 75.9379% | 2,898 |
| Assets per employee ($millions) | 4.0822% | 3,686 |
| Cash dividends to net income (ytd only)* | 19.7149% | 3,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2777% | 5,032 |
| Loan loss allowance to noncurrent loans | 776.4706% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.0857% | 6,739 |
| Noncurrent loans to loans | 0.1646% | 6,424 |
| Net loans and leases to total assets | 51.4376% | 5,398 |
| Net loans and leases to deposits | 57.9440% | 5,702 |
| Net loans and leases to core deposits | 61.9525% | 5,655 |
| Total domestic deposits to total assets | 88.7712% | 1,676 |
| Equity capital to assets | 11.0191% | 2,960 |
| Core capital (leverage) ratio | 9.5152% | 4,001 |
| Tier 1 risk-based capital ratio | 15.0838% | 3,591 |
| Total risk-based capital ratio | 16.1902% | 3,637 |
| Memoranda: | ||
| Average total assets | $379,588,600 | 1,705 |
| Average earning assets | $357,304,000 | 1,659 |
| Average equity | $42,549,600 | 1,576 |
| Average total loans | $182,775,800 | 2,201 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3876% | 5,652 |
| Cost of funding earning assets | 0.6413% | 6,083 |
| Net interest margin | 3.7463% | 4,127 |
| Noninterest income to average assets | 0.6483% | 2,891 |
| Noninterest expense to average assets | 3.2189% | 2,772 |
| Loan and lease loss provision to assets | 0.1577% | 4,495 |
| Net operating income to assets | 0.7959% | 3,185 |
| Return on assets (ROA) | 0.7959% | 3,349 |
| Pretax return on assets | 0.7959% | 4,146 |
| Return on Equity (ROE) | 7.0666% | 3,495 |
| Retained earnings to average equity (ytd only) | 5.9479% | 2,589 |
| Net charge-offs to loans | 0.0903% | 5,070 |
| Credit loss provision to net charge-offs | 371.1864% | 766 |
| Earnings coverage of net charge-offs (x) | 22.4491% | 1,150 |
| Efficiency ratio | 77.1461% | 2,659 |
| Assets per employee ($millions) | 3.7932% | 4,320 |
| Cash dividends to net income (ytd only)* | 15.8301% | 3,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3149% | 4,940 |
| Loan loss allowance to noncurrent loans | 708.6253% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.0932% | 6,824 |
| Noncurrent loans to loans | 0.1856% | 6,498 |
| Net loans and leases to total assets | 49.5389% | 5,767 |
| Net loans and leases to deposits | 58.2212% | 5,823 |
| Net loans and leases to core deposits | 61.9965% | 5,814 |
| Total domestic deposits to total assets | 85.0874% | 3,731 |
| Equity capital to assets | 11.4048% | 2,772 |
| Core capital (leverage) ratio | 9.6364% | 3,939 |
| Tier 1 risk-based capital ratio | 15.8011% | 3,218 |
| Total risk-based capital ratio | 16.9236% | 3,259 |
| Memoranda: | ||
| Average total assets | $370,389,250 | 1,761 |
| Average earning assets | $348,426,500 | 1,709 |
| Average equity | $41,716,500 | 1,617 |
| Average total loans | $174,232,000 | 2,334 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3376% | 5,882 |
| Cost of funding earning assets | 0.6631% | 6,155 |
| Net interest margin | 3.6746% | 4,384 |
| Noninterest income to average assets | 0.6547% | 2,801 |
| Noninterest expense to average assets | 3.2789% | 2,638 |
| Loan and lease loss provision to assets | 0.1872% | 4,041 |
| Net operating income to assets | 0.6447% | 3,824 |
| Return on assets (ROA) | 0.6447% | 3,950 |
| Pretax return on assets | 0.6447% | 4,591 |
| Return on Equity (ROE) | 5.7508% | 4,088 |
| Retained earnings to average equity (ytd only) | 5.2568% | 2,835 |
| Net charge-offs to loans | 0.0302% | 5,419 |
| Credit loss provision to net charge-offs | 1,352.0000% | 260 |
| Earnings coverage of net charge-offs (x) | 60.0800% | 543 |
| Efficiency ratio | 79.7629% | 2,426 |
| Assets per employee ($millions) | 3.6282% | 4,620 |
| Cash dividends to net income (ytd only)* | 8.5911% | 3,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4107% | 4,516 |
| Loan loss allowance to noncurrent loans | 819.3750% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.0832% | 6,891 |
| Noncurrent loans to loans | 0.1722% | 6,550 |
| Net loans and leases to total assets | 47.6481% | 6,090 |
| Net loans and leases to deposits | 56.7362% | 6,071 |
| Net loans and leases to core deposits | 60.3319% | 6,061 |
| Total domestic deposits to total assets | 83.9818% | 4,359 |
| Equity capital to assets | 11.0534% | 2,901 |
| Core capital (leverage) ratio | 9.9522% | 3,321 |
| Tier 1 risk-based capital ratio | 16.1817% | 2,892 |
| Total risk-based capital ratio | 17.3535% | 2,894 |
| Memoranda: | ||
| Average total assets | $361,092,000 | 1,817 |
| Average earning assets | $339,633,000 | 1,761 |
| Average equity | $40,481,000 | 1,656 |
| Average total loans | $165,665,000 | 2,458 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3352% | 5,898 |
| Cost of funding earning assets | 0.6886% | 6,203 |
| Net interest margin | 3.6467% | 4,343 |
| Noninterest income to average assets | 0.6618% | 2,773 |
| Noninterest expense to average assets | 3.3423% | 2,438 |
| Loan and lease loss provision to assets | 0.2107% | 3,539 |
| Net operating income to assets | 0.5290% | 4,356 |
| Return on assets (ROA) | 0.5290% | 4,440 |
| Pretax return on assets | 0.5290% | 4,928 |
| Return on Equity (ROE) | 4.6825% | 4,564 |
| Retained earnings to average equity (ytd only) | 3.6689% | 3,971 |
| Net charge-offs to loans | 0.0103% | 4,953 |
| Credit loss provision to net charge-offs | 4,600.0000% | 77 |
| Earnings coverage of net charge-offs (x) | 161.5000% | 195 |
| Efficiency ratio | 81.8794% | 2,246 |
| Assets per employee ($millions) | 3.4846% | 5,030 |
| Cash dividends to net income (ytd only)* | 21.6450% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5895% | 3,776 |
| Loan loss allowance to noncurrent loans | 1,975.3968% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.0354% | 7,075 |
| Noncurrent loans to loans | 0.0805% | 6,840 |
| Net loans and leases to total assets | 43.3547% | 6,518 |
| Net loans and leases to deposits | 48.9637% | 6,692 |
| Net loans and leases to core deposits | 51.0074% | 6,730 |
| Total domestic deposits to total assets | 88.5447% | 2,047 |
| Equity capital to assets | 11.2378% | 2,470 |
| Core capital (leverage) ratio | 10.3371% | 2,771 |
| Tier 1 risk-based capital ratio | 18.4582% | 1,974 |
| Total risk-based capital ratio | 19.7090% | 1,925 |
| Memoranda: | ||
| Average total assets | $349,344,000 | 1,888 |
| Average earning assets | $327,643,000 | 1,829 |
| Average equity | $39,466,500 | 1,684 |
| Average total loans | $155,562,000 | 2,622 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7514% | 5,614 |
| Cost of funding earning assets | 0.8291% | 6,448 |
| Net interest margin | 3.9223% | 3,388 |
| Noninterest income to average assets | 0.7520% | 2,532 |
| Noninterest expense to average assets | 3.2495% | 2,915 |
| Loan and lease loss provision to assets | 0.2343% | 4,938 |
| Net operating income to assets | 0.9393% | 2,242 |
| Return on assets (ROA) | 0.9393% | 2,370 |
| Pretax return on assets | 0.9393% | 3,136 |
| Return on Equity (ROE) | 7.6543% | 2,831 |
| Retained earnings to average equity (ytd only) | 5.9842% | 1,826 |
| Net charge-offs to loans | 0.0232% | 6,580 |
| Credit loss provision to net charge-offs | 2,122.8571% | 106 |
| Earnings coverage of net charge-offs (x) | 106.3429% | 233 |
| Efficiency ratio | 73.4674% | 3,493 |
| Assets per employee ($millions) | 3.4326% | 5,100 |
| Cash dividends to net income (ytd only)* | 21.8194% | 3,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4941% | 4,045 |
| Loan loss allowance to noncurrent loans | 1,208.9005% | 311 |
| Noncurrent assets plus other real estate owned to assets | 0.0556% | 7,091 |
| Noncurrent loans to loans | 0.1236% | 6,827 |
| Net loans and leases to total assets | 44.3487% | 6,686 |
| Net loans and leases to deposits | 50.2164% | 6,844 |
| Net loans and leases to core deposits | 52.0788% | 6,909 |
| Total domestic deposits to total assets | 88.3151% | 2,052 |
| Equity capital to assets | 11.3589% | 2,367 |
| Core capital (leverage) ratio | 10.5802% | 2,479 |
| Tier 1 risk-based capital ratio | 19.2192% | 1,668 |
| Total risk-based capital ratio | 20.4693% | 1,637 |
| Memoranda: | ||
| Average total assets | $317,159,000 | 2,052 |
| Average earning assets | $296,841,600 | 2,004 |
| Average equity | $38,919,200 | 1,694 |
| Average total loans | $150,620,000 | 2,764 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8001% | 5,657 |
| Cost of funding earning assets | 0.8582% | 6,551 |
| Net interest margin | 3.9418% | 3,354 |
| Noninterest income to average assets | 0.7739% | 2,363 |
| Noninterest expense to average assets | 3.2114% | 2,886 |
| Loan and lease loss provision to assets | 0.2369% | 4,707 |
| Net operating income to assets | 1.0121% | 2,191 |
| Return on assets (ROA) | 1.0121% | 2,312 |
| Pretax return on assets | 1.0121% | 3,139 |
| Return on Equity (ROE) | 8.0817% | 2,865 |
| Retained earnings to average equity (ytd only) | 6.3681% | 2,163 |
| Net charge-offs to loans | 0.0187% | 6,412 |
| Credit loss provision to net charge-offs | 2,628.5714% | 114 |
| Earnings coverage of net charge-offs (x) | 138.5679% | 231 |
| Efficiency ratio | 71.9977% | 3,697 |
| Assets per employee ($millions) | 3.6505% | 4,615 |
| Cash dividends to net income (ytd only)* | 21.2044% | 2,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3285% | 4,803 |
| Loan loss allowance to noncurrent loans | 603.9660% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.1051% | 7,094 |
| Noncurrent loans to loans | 0.2200% | 6,738 |
| Net loans and leases to total assets | 47.1491% | 6,596 |
| Net loans and leases to deposits | 53.9676% | 6,773 |
| Net loans and leases to core deposits | 55.8730% | 6,867 |
| Total domestic deposits to total assets | 87.3656% | 2,338 |
| Equity capital to assets | 12.3024% | 1,970 |
| Core capital (leverage) ratio | 10.6437% | 2,555 |
| Tier 1 risk-based capital ratio | 19.1108% | 1,727 |
| Total risk-based capital ratio | 20.2858% | 1,704 |
| Memoranda: | ||
| Average total assets | $310,635,000 | 2,126 |
| Average earning assets | $290,516,500 | 2,074 |
| Average equity | $38,901,500 | 1,716 |
| Average total loans | $149,640,500 | 2,817 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8379% | 5,656 |
| Cost of funding earning assets | 0.8794% | 6,656 |
| Net interest margin | 3.9585% | 3,213 |
| Noninterest income to average assets | 0.8212% | 2,012 |
| Noninterest expense to average assets | 3.2823% | 2,617 |
| Loan and lease loss provision to assets | 0.2382% | 4,531 |
| Net operating income to assets | 0.9946% | 2,218 |
| Return on assets (ROA) | 0.9946% | 2,295 |
| Pretax return on assets | 0.9946% | 3,138 |
| Return on Equity (ROE) | 7.8905% | 2,923 |
| Retained earnings to average equity (ytd only) | 6.5781% | 2,033 |
| Net charge-offs to loans | 0.0247% | 5,995 |
| Credit loss provision to net charge-offs | 2,000.0000% | 202 |
| Earnings coverage of net charge-offs (x) | 103.5000% | 317 |
| Efficiency ratio | 72.6953% | 3,710 |
| Assets per employee ($millions) | 3.5727% | 4,747 |
| Cash dividends to net income (ytd only)* | 16.6334% | 3,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2710% | 5,078 |
| Loan loss allowance to noncurrent loans | 475.0611% | 682 |
| Noncurrent assets plus other real estate owned to assets | 0.3598% | 6,536 |
| Noncurrent loans to loans | 0.2675% | 6,696 |
| Net loans and leases to total assets | 47.4677% | 6,661 |
| Net loans and leases to deposits | 54.3331% | 6,844 |
| Net loans and leases to core deposits | 56.0503% | 6,939 |
| Total domestic deposits to total assets | 87.3643% | 2,345 |
| Equity capital to assets | 12.2970% | 1,928 |
| Core capital (leverage) ratio | 11.0260% | 2,222 |
| Tier 1 risk-based capital ratio | 19.7591% | 1,550 |
| Total risk-based capital ratio | 20.8860% | 1,553 |
| Memoranda: | ||
| Average total assets | $302,231,670 | 2,188 |
| Average earning assets | $282,023,000 | 2,146 |
| Average equity | $38,096,330 | 1,745 |
| Average total loans | $146,027,330 | 2,900 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8139% | 5,844 |
| Cost of funding earning assets | 0.8697% | 6,871 |
| Net interest margin | 3.9442% | 3,131 |
| Noninterest income to average assets | 0.8982% | 1,630 |
| Noninterest expense to average assets | 3.3578% | 2,352 |
| Loan and lease loss provision to assets | 0.2161% | 4,347 |
| Net operating income to assets | 0.9974% | 2,196 |
| Return on assets (ROA) | 0.9974% | 2,266 |
| Pretax return on assets | 0.9974% | 3,104 |
| Return on Equity (ROE) | 7.8098% | 2,975 |
| Retained earnings to average equity (ytd only) | 5.1498% | 3,069 |
| Net charge-offs to loans | 0.0224% | 5,260 |
| Credit loss provision to net charge-offs | 1,987.5000% | 261 |
| Earnings coverage of net charge-offs (x) | 111.6250% | 294 |
| Efficiency ratio | 73.4542% | 3,677 |
| Assets per employee ($millions) | 3.3237% | 5,493 |
| Cash dividends to net income (ytd only)* | 34.0599% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2330% | 5,317 |
| Loan loss allowance to noncurrent loans | 503.4483% | 629 |
| Noncurrent assets plus other real estate owned to assets | 0.3581% | 6,581 |
| Noncurrent loans to loans | 0.2449% | 6,853 |
| Net loans and leases to total assets | 46.4003% | 6,803 |
| Net loans and leases to deposits | 53.6877% | 6,935 |
| Net loans and leases to core deposits | 55.1532% | 7,040 |
| Total domestic deposits to total assets | 86.4263% | 2,930 |
| Equity capital to assets | 12.6453% | 1,682 |
| Core capital (leverage) ratio | 11.4652% | 1,934 |
| Tier 1 risk-based capital ratio | 20.7266% | 1,387 |
| Total risk-based capital ratio | 21.8171% | 1,385 |
| Memoranda: | ||
| Average total assets | $294,361,500 | 2,277 |
| Average earning assets | $274,123,000 | 2,253 |
| Average equity | $37,594,000 | 1,789 |
| Average total loans | $142,602,500 | 3,029 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0382% | 6,312 |
| Cost of funding earning assets | 1.0388% | 7,127 |
| Net interest margin | 3.9994% | 2,870 |
| Noninterest income to average assets | 0.8987% | 1,946 |
| Noninterest expense to average assets | 3.4695% | 2,455 |
| Loan and lease loss provision to assets | 0.1408% | 6,230 |
| Net operating income to assets | 1.0109% | 1,797 |
| Return on assets (ROA) | 1.0109% | 1,855 |
| Pretax return on assets | 1.0109% | 2,554 |
| Return on Equity (ROE) | 7.5808% | 2,546 |
| Retained earnings to average equity (ytd only) | 3.6488% | 2,633 |
| Net charge-offs to loans | 0.1516% | 5,745 |
| Credit loss provision to net charge-offs | 182.8571% | 2,250 |
| Earnings coverage of net charge-offs (x) | 14.9571% | 1,338 |
| Efficiency ratio | 75.0774% | 3,693 |
| Assets per employee ($millions) | 3.1458% | 5,873 |
| Cash dividends to net income (ytd only)* | 51.8680% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1187% | 5,819 |
| Loan loss allowance to noncurrent loans | 3,202.0000% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.4125% | 6,430 |
| Noncurrent loans to loans | 0.0349% | 7,342 |
| Net loans and leases to total assets | 49.4334% | 6,690 |
| Net loans and leases to deposits | 57.0449% | 6,848 |
| Net loans and leases to core deposits | 64.0899% | 7,084 |
| Total domestic deposits to total assets | 86.6570% | 2,677 |
| Equity capital to assets | 12.9046% | 1,544 |
| Core capital (leverage) ratio | 11.6685% | 1,833 |
| Tier 1 risk-based capital ratio | 20.4558% | 1,377 |
| Total risk-based capital ratio | 21.4538% | 1,387 |
| Memoranda: | ||
| Average total assets | $272,718,800 | 2,400 |
| Average earning assets | $253,840,400 | 2,372 |
| Average equity | $36,368,400 | 1,852 |
| Average total loans | $138,480,200 | 3,114 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0462% | 6,458 |
| Cost of funding earning assets | 1.0755% | 7,231 |
| Net interest margin | 3.9707% | 2,940 |
| Noninterest income to average assets | 0.9079% | 1,952 |
| Noninterest expense to average assets | 3.3970% | 2,585 |
| Loan and lease loss provision to assets | 0.1406% | 5,951 |
| Net operating income to assets | 1.0678% | 1,841 |
| Return on assets (ROA) | 1.0678% | 1,888 |
| Pretax return on assets | 1.0678% | 2,681 |
| Return on Equity (ROE) | 7.9391% | 2,662 |
| Retained earnings to average equity (ytd only) | 3.8904% | 3,119 |
| Net charge-offs to loans | 0.1020% | 5,652 |
| Credit loss provision to net charge-offs | 270.4762% | 1,571 |
| Earnings coverage of net charge-offs (x) | 23.2471% | 1,128 |
| Efficiency ratio | 73.7612% | 3,902 |
| Assets per employee ($millions) | 3.0528% | 6,035 |
| Cash dividends to net income (ytd only)* | 50.9967% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1347% | 5,511 |
| Loan loss allowance to noncurrent loans | 2,294.2857% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.0249% | 7,528 |
| Noncurrent loans to loans | 0.0495% | 7,382 |
| Net loans and leases to total assets | 49.8222% | 6,793 |
| Net loans and leases to deposits | 57.8920% | 6,968 |
| Net loans and leases to core deposits | 64.4006% | 7,231 |
| Total domestic deposits to total assets | 86.0605% | 2,676 |
| Equity capital to assets | 13.4528% | 1,518 |
| Core capital (leverage) ratio | 11.8260% | 1,884 |
| Tier 1 risk-based capital ratio | 20.8172% | 1,393 |
| Total risk-based capital ratio | 21.8444% | 1,393 |
| Memoranda: | ||
| Average total assets | $269,331,000 | 2,436 |
| Average earning assets | $250,796,500 | 2,418 |
| Average equity | $36,225,000 | 1,877 |
| Average total loans | $137,321,750 | 3,170 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0492% | 6,621 |
| Cost of funding earning assets | 1.1167% | 7,334 |
| Net interest margin | 3.9325% | 2,967 |
| Noninterest income to average assets | 0.9289% | 1,851 |
| Noninterest expense to average assets | 3.4329% | 2,529 |
| Loan and lease loss provision to assets | 0.1394% | 5,681 |
| Net operating income to assets | 1.0095% | 2,071 |
| Return on assets (ROA) | 1.0095% | 2,166 |
| Pretax return on assets | 1.0095% | 2,973 |
| Return on Equity (ROE) | 7.5058% | 2,974 |
| Retained earnings to average equity (ytd only) | 2.1845% | 4,125 |
| Net charge-offs to loans | 0.0927% | 5,257 |
| Credit loss provision to net charge-offs | 293.6508% | 1,590 |
| Earnings coverage of net charge-offs (x) | 24.2063% | 1,158 |
| Efficiency ratio | 74.9260% | 3,892 |
| Assets per employee ($millions) | 2.9335% | 6,307 |
| Cash dividends to net income (ytd only)* | 70.8955% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1393% | 5,335 |
| Loan loss allowance to noncurrent loans | 559.2058% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.1026% | 7,322 |
| Noncurrent loans to loans | 0.2037% | 7,004 |
| Net loans and leases to total assets | 49.8062% | 6,887 |
| Net loans and leases to deposits | 58.2040% | 7,008 |
| Net loans and leases to core deposits | 65.2662% | 7,244 |
| Total domestic deposits to total assets | 85.5717% | 2,981 |
| Equity capital to assets | 12.9828% | 1,698 |
| Core capital (leverage) ratio | 11.8710% | 1,893 |
| Tier 1 risk-based capital ratio | 20.8188% | 1,427 |
| Total risk-based capital ratio | 21.8310% | 1,431 |
| Memoranda: | ||
| Average total assets | $265,489,000 | 2,482 |
| Average earning assets | $246,613,330 | 2,465 |
| Average equity | $35,705,670 | 1,908 |
| Average total loans | $135,917,330 | 3,231 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0329% | 6,851 |
| Cost of funding earning assets | 1.1320% | 7,458 |
| Net interest margin | 3.9009% | 3,032 |
| Noninterest income to average assets | 0.9693% | 1,568 |
| Noninterest expense to average assets | 3.2557% | 2,777 |
| Loan and lease loss provision to assets | 0.1307% | 5,285 |
| Net operating income to assets | 1.2108% | 1,628 |
| Return on assets (ROA) | 1.2108% | 1,740 |
| Pretax return on assets | 1.2108% | 2,591 |
| Return on Equity (ROE) | 8.8458% | 2,783 |
| Retained earnings to average equity (ytd only) | 2.1865% | 4,659 |
| Net charge-offs to loans | 0.0765% | 4,413 |
| Credit loss provision to net charge-offs | 330.7692% | 1,506 |
| Earnings coverage of net charge-offs (x) | 33.9615% | 970 |
| Efficiency ratio | 70.8196% | 4,409 |
| Assets per employee ($millions) | 3.0052% | 6,137 |
| Cash dividends to net income (ytd only)* | 75.2823% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0988% | 5,479 |
| Loan loss allowance to noncurrent loans | 481.2298% | 726 |
| Noncurrent assets plus other real estate owned to assets | 0.1142% | 7,247 |
| Noncurrent loans to loans | 0.2283% | 6,882 |
| Net loans and leases to total assets | 49.4837% | 6,902 |
| Net loans and leases to deposits | 57.3206% | 7,084 |
| Net loans and leases to core deposits | 63.7092% | 7,326 |
| Total domestic deposits to total assets | 86.3279% | 2,536 |
| Equity capital to assets | 13.2953% | 1,616 |
| Core capital (leverage) ratio | 12.1499% | 1,840 |
| Tier 1 risk-based capital ratio | 21.2469% | 1,410 |
| Total risk-based capital ratio | 22.2441% | 1,425 |
| Memoranda: | ||
| Average total assets | $263,293,500 | 2,522 |
| Average earning assets | $244,868,000 | 2,496 |
| Average equity | $36,039,500 | 1,902 |
| Average total loans | $135,893,000 | 3,251 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5704% | 7,152 |
| Cost of funding earning assets | 1.6471% | 7,359 |
| Net interest margin | 3.9233% | 3,468 |
| Noninterest income to average assets | 0.9907% | 1,607 |
| Noninterest expense to average assets | 3.2595% | 3,119 |
| Loan and lease loss provision to assets | 0.0381% | 6,935 |
| Net operating income to assets | 1.3171% | 1,437 |
| Return on assets (ROA) | 1.3510% | 1,302 |
| Pretax return on assets | 1.3510% | 2,126 |
| Return on Equity (ROE) | 11.4716% | 1,761 |
| Retained earnings to average equity (ytd only) | 11.4716% | 272 |
| Net charge-offs to loans | 0.0710% | 5,751 |
| Credit loss provision to net charge-offs | 105.6818% | 5,068 |
| Earnings coverage of net charge-offs (x) | 37.6023% | 981 |
| Efficiency ratio | 70.6337% | 4,219 |
| Assets per employee ($millions) | 2.9781% | 6,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0457% | 5,659 |
| Loan loss allowance to noncurrent loans | 1,640.2299% | 348 |
| Noncurrent assets plus other real estate owned to assets | 0.0340% | 7,456 |
| Noncurrent loans to loans | 0.0638% | 7,246 |
| Net loans and leases to total assets | 52.7234% | 6,773 |
| Net loans and leases to deposits | 61.6820% | 6,971 |
| Net loans and leases to core deposits | 68.5711% | 7,264 |
| Total domestic deposits to total assets | 85.4761% | 2,639 |
| Equity capital to assets | 14.1026% | 1,397 |
| Core capital (leverage) ratio | 12.6722% | 1,676 |
| Tier 1 risk-based capital ratio | 21.4847% | 1,395 |
| Total risk-based capital ratio | 22.4583% | 1,400 |
| Memoranda: | ||
| Average total assets | $244,180,600 | 2,610 |
| Average earning assets | $225,551,200 | 2,591 |
| Average equity | $28,758,000 | 2,354 |
| Average total loans | $123,938,800 | 3,382 |