Home > Trinity Bank, N.A. > Performance and Condition Ratios
Trinity Bank, N.A., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4053% | 1,302 |
| Cost of funding earning assets | 1.9345% | 1,018 |
| Net interest margin | 3.4707% | 2,254 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 1.5371% | 4,308 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.7577% | 653 |
| Return on assets (ROA) | 1.7500% | 632 |
| Pretax return on assets | 1.9968% | 679 |
| Return on Equity (ROE) | 17.7700% | 849 |
| Retained earnings to average equity (ytd only) | 13.7584% | 421 |
| Net charge-offs to loans | 0.0416% | 1,486 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 76.5417% | 1,052 |
| Efficiency ratio | 43.3898% | 4,271 |
| Assets per employee ($millions) | 17.9857% | 133 |
| Cash dividends to net income (ytd only)* | 22.5827% | 2,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7564% | 582 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 60.1700% | 2,828 |
| Net loans and leases to deposits | 67.6067% | 3,065 |
| Net loans and leases to core deposits | 79.9063% | 2,706 |
| Total domestic deposits to total assets | 89.0000% | 1,062 |
| Equity capital to assets | 10.4499% | 1,750 |
| Core capital (leverage) ratio | 11.0932% | 1,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0943% | 1,064 |
| Memoranda: | ||
| Average total assets | $457,992,000 | 1,828 |
| Average earning assets | $445,120,600 | 1,765 |
| Average equity | $45,099,600 | 1,729 |
| Average total loans | $288,181,400 | 1,835 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2447% | 1,366 |
| Cost of funding earning assets | 1.7870% | 1,033 |
| Net interest margin | 3.4577% | 2,318 |
| Noninterest income to average assets | 0.1600% | 4,013 |
| Noninterest expense to average assets | 1.5086% | 4,311 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.7387% | 746 |
| Return on assets (ROA) | 1.7377% | 733 |
| Pretax return on assets | 2.0105% | 744 |
| Return on Equity (ROE) | 17.9400% | 957 |
| Retained earnings to average equity (ytd only) | 12.4181% | 898 |
| Net charge-offs to loans | 0.0569% | 1,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 55.7869% | 1,249 |
| Efficiency ratio | 42.8547% | 4,279 |
| Assets per employee ($millions) | 17.0005% | 142 |
| Cash dividends to net income (ytd only)* | 30.7875% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7494% | 633 |
| Loan loss allowance to noncurrent loans | 4,540.8696% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.0251% | 3,561 |
| Noncurrent loans to loans | 0.0385% | 3,489 |
| Net loans and leases to total assets | 63.8900% | 2,462 |
| Net loans and leases to deposits | 70.7841% | 2,792 |
| Net loans and leases to core deposits | 83.1476% | 2,383 |
| Total domestic deposits to total assets | 90.2700% | 871 |
| Equity capital to assets | 9.0440% | 2,390 |
| Core capital (leverage) ratio | 11.2267% | 1,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6289% | 1,173 |
| Memoranda: | ||
| Average total assets | $451,086,500 | 1,847 |
| Average earning assets | $438,274,250 | 1,780 |
| Average equity | $43,688,000 | 1,757 |
| Average total loans | $285,871,000 | 1,847 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0413% | 1,487 |
| Cost of funding earning assets | 1.6085% | 1,043 |
| Net interest margin | 3.4328% | 2,439 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 1.4780% | 4,352 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.7458% | 719 |
| Return on assets (ROA) | 1.7443% | 725 |
| Pretax return on assets | 2.0163% | 723 |
| Return on Equity (ROE) | 17.6100% | 997 |
| Retained earnings to average equity (ytd only) | 13.6356% | 730 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 42.2758% | 4,328 |
| Assets per employee ($millions) | 16.6327% | 151 |
| Cash dividends to net income (ytd only)* | 22.5773% | 2,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8264% | 573 |
| Loan loss allowance to noncurrent loans | 3,737.0629% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.0318% | 3,466 |
| Noncurrent loans to loans | 0.0489% | 3,364 |
| Net loans and leases to total assets | 63.9600% | 2,390 |
| Net loans and leases to deposits | 71.6302% | 2,677 |
| Net loans and leases to core deposits | 83.1987% | 2,259 |
| Total domestic deposits to total assets | 89.3000% | 1,140 |
| Equity capital to assets | 10.0941% | 1,804 |
| Core capital (leverage) ratio | 11.4231% | 1,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4335% | 1,230 |
| Memoranda: | ||
| Average total assets | $448,444,000 | 1,859 |
| Average earning assets | $435,680,000 | 1,795 |
| Average equity | $44,413,000 | 1,739 |
| Average total loans | $281,659,333 | 1,855 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8332% | 1,542 |
| Cost of funding earning assets | 1.4434% | 951 |
| Net interest margin | 3.3899% | 2,656 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 1.4362% | 4,444 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7306% | 776 |
| Return on assets (ROA) | 1.7299% | 771 |
| Pretax return on assets | 2.0155% | 755 |
| Return on Equity (ROE) | 17.6400% | 1,077 |
| Retained earnings to average equity (ytd only) | 9.6009% | 1,792 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 41.5977% | 4,400 |
| Assets per employee ($millions) | 18.0387% | 120 |
| Cash dividends to net income (ytd only)* | 45.5624% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9750% | 459 |
| Loan loss allowance to noncurrent loans | 3,360.3774% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.0353% | 3,430 |
| Noncurrent loans to loans | 0.0588% | 3,313 |
| Net loans and leases to total assets | 58.8000% | 2,787 |
| Net loans and leases to deposits | 65.7748% | 2,954 |
| Net loans and leases to core deposits | 75.1510% | 2,591 |
| Total domestic deposits to total assets | 89.4000% | 1,382 |
| Equity capital to assets | 9.9468% | 1,842 |
| Core capital (leverage) ratio | 11.0385% | 1,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3195% | 1,106 |
| Memoranda: | ||
| Average total assets | $448,124,000 | 1,883 |
| Average earning assets | $435,652,500 | 1,818 |
| Average equity | $43,954,000 | 1,767 |
| Average total loans | $276,193,500 | 1,900 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9680% | 1,802 |
| Cost of funding earning assets | 0.4734% | 1,562 |
| Net interest margin | 3.4946% | 1,949 |
| Noninterest income to average assets | 0.1600% | 4,171 |
| Noninterest expense to average assets | 1.5873% | 4,321 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.6723% | 573 |
| Return on assets (ROA) | 1.6375% | 595 |
| Pretax return on assets | 1.9258% | 547 |
| Return on Equity (ROE) | 17.6600% | 757 |
| Retained earnings to average equity (ytd only) | 13.5926% | 441 |
| Net charge-offs to loans | -0.0069% | 3,698 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 44.6599% | 4,404 |
| Assets per employee ($millions) | 17.8112% | 123 |
| Cash dividends to net income (ytd only)* | 23.0293% | 2,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5338% | 1,111 |
| Loan loss allowance to noncurrent loans | 2,528.0702% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.0384% | 3,420 |
| Noncurrent loans to loans | 0.0607% | 3,316 |
| Net loans and leases to total assets | 62.3300% | 2,401 |
| Net loans and leases to deposits | 69.3054% | 2,639 |
| Net loans and leases to core deposits | 76.0111% | 2,421 |
| Total domestic deposits to total assets | 89.9300% | 1,390 |
| Equity capital to assets | 9.6683% | 1,904 |
| Core capital (leverage) ratio | 10.7248% | 2,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7398% | 1,174 |
| Memoranda: | ||
| Average total assets | $443,911,600 | 1,871 |
| Average earning assets | $431,551,200 | 1,814 |
| Average equity | $41,162,200 | 1,882 |
| Average total loans | $262,370,200 | 1,884 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6934% | 2,067 |
| Cost of funding earning assets | 0.3155% | 2,008 |
| Net interest margin | 3.3779% | 2,046 |
| Noninterest income to average assets | 0.1600% | 4,207 |
| Noninterest expense to average assets | 1.6229% | 4,279 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5547% | 733 |
| Return on assets (ROA) | 1.5498% | 727 |
| Pretax return on assets | 1.8143% | 709 |
| Return on Equity (ROE) | 16.8900% | 817 |
| Retained earnings to average equity (ytd only) | 11.4096% | 941 |
| Net charge-offs to loans | -0.0041% | 3,431 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 47.1364% | 4,324 |
| Assets per employee ($millions) | 18.7851% | 116 |
| Cash dividends to net income (ytd only)* | 32.4670% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6226% | 1,027 |
| Loan loss allowance to noncurrent loans | 2,211.7949% | 531 |
| Noncurrent assets plus other real estate owned to assets | 0.0415% | 3,491 |
| Noncurrent loans to loans | 0.0734% | 3,348 |
| Net loans and leases to total assets | 55.6800% | 2,935 |
| Net loans and leases to deposits | 60.8261% | 3,125 |
| Net loans and leases to core deposits | 66.9575% | 2,882 |
| Total domestic deposits to total assets | 91.5400% | 1,032 |
| Equity capital to assets | 7.8622% | 2,981 |
| Core capital (leverage) ratio | 9.9840% | 2,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0005% | 1,173 |
| Memoranda: | ||
| Average total assets | $443,569,250 | 1,883 |
| Average earning assets | $431,425,250 | 1,827 |
| Average equity | $40,690,000 | 1,923 |
| Average total loans | $257,498,500 | 1,906 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4781% | 2,199 |
| Cost of funding earning assets | 0.1956% | 2,974 |
| Net interest margin | 3.2825% | 1,960 |
| Noninterest income to average assets | 0.1628% | 4,194 |
| Noninterest expense to average assets | 1.5876% | 4,319 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.5131% | 687 |
| Return on assets (ROA) | 1.5131% | 663 |
| Pretax return on assets | 1.7706% | 640 |
| Return on Equity (ROE) | 15.6870% | 758 |
| Retained earnings to average equity (ytd only) | 11.7676% | 645 |
| Net charge-offs to loans | -0.0063% | 3,421 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2747% | 4,386 |
| Assets per employee ($millions) | 18.2749% | 119 |
| Cash dividends to net income (ytd only)* | 24.9848% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6148% | 1,111 |
| Loan loss allowance to noncurrent loans | 2,044.5498% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.0481% | 3,507 |
| Noncurrent loans to loans | 0.0790% | 3,387 |
| Net loans and leases to total assets | 59.9293% | 2,330 |
| Net loans and leases to deposits | 66.2416% | 2,522 |
| Net loans and leases to core deposits | 71.9219% | 2,341 |
| Total domestic deposits to total assets | 90.4708% | 1,485 |
| Equity capital to assets | 9.1932% | 2,237 |
| Core capital (leverage) ratio | 10.4817% | 1,959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6181% | 1,278 |
| Memoranda: | ||
| Average total assets | $434,883,000 | 1,919 |
| Average earning assets | $423,335,000 | 1,868 |
| Average equity | $41,945,667 | 1,930 |
| Average total loans | $254,727,667 | 1,925 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4086% | 2,063 |
| Cost of funding earning assets | 0.1563% | 3,415 |
| Net interest margin | 3.2523% | 1,713 |
| Noninterest income to average assets | 0.1524% | 4,239 |
| Noninterest expense to average assets | 1.5787% | 4,327 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4872% | 652 |
| Return on assets (ROA) | 1.4872% | 645 |
| Pretax return on assets | 1.7459% | 625 |
| Return on Equity (ROE) | 15.0615% | 641 |
| Retained earnings to average equity (ytd only) | 7.3811% | 1,771 |
| Net charge-offs to loans | -0.0129% | 3,691 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4854% | 4,430 |
| Assets per employee ($millions) | 18.0931% | 130 |
| Cash dividends to net income (ytd only)* | 50.9938% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7440% | 975 |
| Loan loss allowance to noncurrent loans | 1,805.0209% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.0550% | 3,497 |
| Noncurrent loans to loans | 0.0966% | 3,357 |
| Net loans and leases to total assets | 55.9706% | 2,529 |
| Net loans and leases to deposits | 62.1256% | 2,706 |
| Net loans and leases to core deposits | 66.6179% | 2,569 |
| Total domestic deposits to total assets | 90.0927% | 1,506 |
| Equity capital to assets | 9.4391% | 2,334 |
| Core capital (leverage) ratio | 10.4560% | 1,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5280% | 1,136 |
| Memoranda: | ||
| Average total assets | $433,026,000 | 1,936 |
| Average earning assets | $422,343,500 | 1,880 |
| Average equity | $42,758,000 | 1,955 |
| Average total loans | $248,510,500 | 1,945 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7916% | 1,889 |
| Cost of funding earning assets | 0.1506% | 3,972 |
| Net interest margin | 3.6410% | 1,361 |
| Noninterest income to average assets | 0.1619% | 4,342 |
| Noninterest expense to average assets | 1.6396% | 4,376 |
| Loan and lease loss provision to assets | 0.3494% | 212 |
| Net operating income to assets | 1.4634% | 1,098 |
| Return on assets (ROA) | 1.4634% | 1,162 |
| Pretax return on assets | 1.7210% | 1,093 |
| Return on Equity (ROE) | 13.6850% | 1,270 |
| Retained earnings to average equity (ytd only) | 10.0487% | 908 |
| Net charge-offs to loans | -0.0004% | 3,218 |
| Credit loss provision to net charge-offs | -139,000.0000% | 4,301 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1938% | 4,565 |
| Assets per employee ($millions) | 17.9924% | 134 |
| Cash dividends to net income (ytd only)* | 26.5716% | 2,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7247% | 996 |
| Loan loss allowance to noncurrent loans | 1,668.9922% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.0597% | 3,569 |
| Noncurrent loans to loans | 0.1033% | 3,409 |
| Net loans and leases to total assets | 56.8197% | 2,503 |
| Net loans and leases to deposits | 63.5462% | 2,730 |
| Net loans and leases to core deposits | 68.1888% | 2,633 |
| Total domestic deposits to total assets | 89.4147% | 1,289 |
| Equity capital to assets | 10.3118% | 2,358 |
| Core capital (leverage) ratio | 10.3447% | 2,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2307% | 1,208 |
| Memoranda: | ||
| Average total assets | $397,852,400 | 1,999 |
| Average earning assets | $387,695,200 | 1,943 |
| Average equity | $42,542,800 | 1,992 |
| Average total loans | $254,353,200 | 1,906 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9262% | 1,691 |
| Cost of funding earning assets | 0.1500% | 4,107 |
| Net interest margin | 3.7762% | 1,165 |
| Noninterest income to average assets | 0.1637% | 4,384 |
| Noninterest expense to average assets | 1.6659% | 4,381 |
| Loan and lease loss provision to assets | 0.4759% | 118 |
| Net operating income to assets | 1.4485% | 1,400 |
| Return on assets (ROA) | 1.4485% | 1,462 |
| Pretax return on assets | 1.6950% | 1,416 |
| Return on Equity (ROE) | 13.4134% | 1,572 |
| Retained earnings to average equity (ytd only) | 8.5300% | 1,868 |
| Net charge-offs to loans | -0.0005% | 3,083 |
| Credit loss provision to net charge-offs | -139,000.0000% | 4,278 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4181% | 4,603 |
| Assets per employee ($millions) | 18.5394% | 128 |
| Cash dividends to net income (ytd only)* | 36.4066% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7232% | 1,063 |
| Loan loss allowance to noncurrent loans | 1,543.3692% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.0684% | 3,646 |
| Noncurrent loans to loans | 0.1117% | 3,536 |
| Net loans and leases to total assets | 60.2112% | 2,224 |
| Net loans and leases to deposits | 67.7562% | 2,457 |
| Net loans and leases to core deposits | 74.9923% | 2,140 |
| Total domestic deposits to total assets | 88.8645% | 1,362 |
| Equity capital to assets | 10.5405% | 2,427 |
| Core capital (leverage) ratio | 10.4770% | 2,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6465% | 1,205 |
| Memoranda: | ||
| Average total assets | $389,361,250 | 2,047 |
| Average earning assets | $378,747,250 | 1,994 |
| Average equity | $42,046,500 | 2,040 |
| Average total loans | $255,525,750 | 1,928 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0077% | 1,548 |
| Cost of funding earning assets | 0.1477% | 4,221 |
| Net interest margin | 3.8600% | 1,043 |
| Noninterest income to average assets | 0.1618% | 4,390 |
| Noninterest expense to average assets | 1.6634% | 4,417 |
| Loan and lease loss provision to assets | 0.5741% | 80 |
| Net operating income to assets | 1.4379% | 1,457 |
| Return on assets (ROA) | 1.4379% | 1,524 |
| Pretax return on assets | 1.6754% | 1,543 |
| Return on Equity (ROE) | 13.2034% | 1,646 |
| Retained earnings to average equity (ytd only) | 9.6186% | 1,520 |
| Net charge-offs to loans | -0.0008% | 3,065 |
| Credit loss provision to net charge-offs | -110,000.0000% | 4,139 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.5103% | 4,678 |
| Assets per employee ($millions) | 16.9498% | 152 |
| Cash dividends to net income (ytd only)* | 27.1506% | 2,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6103% | 1,246 |
| Loan loss allowance to noncurrent loans | 1,352.1886% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.0762% | 3,698 |
| Noncurrent loans to loans | 0.1191% | 3,595 |
| Net loans and leases to total assets | 62.9414% | 2,069 |
| Net loans and leases to deposits | 71.0292% | 2,299 |
| Net loans and leases to core deposits | 79.0193% | 1,961 |
| Total domestic deposits to total assets | 88.6134% | 1,494 |
| Equity capital to assets | 11.0049% | 1,965 |
| Core capital (leverage) ratio | 10.4592% | 1,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5388% | 1,027 |
| Memoranda: | ||
| Average total assets | $383,193,000 | 2,067 |
| Average earning assets | $372,385,333 | 2,010 |
| Average equity | $41,731,667 | 2,044 |
| Average total loans | $257,405,333 | 1,927 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9501% | 1,707 |
| Cost of funding earning assets | 0.1415% | 4,371 |
| Net interest margin | 3.8085% | 1,117 |
| Noninterest income to average assets | 0.1548% | 4,428 |
| Noninterest expense to average assets | 1.6722% | 4,432 |
| Loan and lease loss provision to assets | 0.5792% | 101 |
| Net operating income to assets | 1.3984% | 1,579 |
| Return on assets (ROA) | 1.3984% | 1,652 |
| Pretax return on assets | 1.6153% | 1,680 |
| Return on Equity (ROE) | 12.9100% | 1,694 |
| Retained earnings to average equity (ytd only) | 5.6481% | 3,016 |
| Net charge-offs to loans | -0.0015% | 3,087 |
| Credit loss provision to net charge-offs | -55,000.0000% | 3,863 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2462% | 4,617 |
| Assets per employee ($millions) | 15.8990% | 169 |
| Cash dividends to net income (ytd only)* | 56.2500% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2808% | 2,521 |
| Loan loss allowance to noncurrent loans | 1,079.7508% | 622 |
| Noncurrent assets plus other real estate owned to assets | 0.0841% | 3,777 |
| Noncurrent loans to loans | 0.1186% | 3,721 |
| Net loans and leases to total assets | 70.0132% | 1,287 |
| Net loans and leases to deposits | 79.0101% | 1,612 |
| Net loans and leases to core deposits | 88.7746% | 1,307 |
| Total domestic deposits to total assets | 88.6130% | 1,550 |
| Equity capital to assets | 10.8154% | 1,996 |
| Core capital (leverage) ratio | 10.4856% | 2,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2852% | 1,028 |
| Memoranda: | ||
| Average total assets | $379,867,000 | 2,062 |
| Average earning assets | $370,220,000 | 2,000 |
| Average equity | $41,146,500 | 2,047 |
| Average total loans | $261,413,000 | 1,913 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7209% | 3,521 |
| Cost of funding earning assets | 0.2632% | 4,327 |
| Net interest margin | 3.4578% | 2,608 |
| Noninterest income to average assets | 0.1665% | 4,457 |
| Noninterest expense to average assets | 1.7225% | 4,592 |
| Loan and lease loss provision to assets | 0.1913% | 2,038 |
| Net operating income to assets | 1.4099% | 998 |
| Return on assets (ROA) | 1.4096% | 1,081 |
| Pretax return on assets | 1.6101% | 1,053 |
| Return on Equity (ROE) | 12.1021% | 1,296 |
| Retained earnings to average equity (ytd only) | 8.4530% | 920 |
| Net charge-offs to loans | -0.0063% | 4,182 |
| Credit loss provision to net charge-offs | -4,923.0769% | 4,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8763% | 4,589 |
| Assets per employee ($millions) | 16.4417% | 141 |
| Cash dividends to net income (ytd only)* | 30.1527% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1558% | 3,184 |
| Loan loss allowance to noncurrent loans | 1,170.6827% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.0658% | 4,013 |
| Noncurrent loans to loans | 0.0987% | 3,901 |
| Net loans and leases to total assets | 65.9225% | 2,103 |
| Net loans and leases to deposits | 74.2354% | 2,464 |
| Net loans and leases to core deposits | 80.6298% | 2,308 |
| Total domestic deposits to total assets | 88.8021% | 1,071 |
| Equity capital to assets | 10.8483% | 2,385 |
| Core capital (leverage) ratio | 10.6662% | 2,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5384% | 971 |
| Memoranda: | ||
| Average total assets | $334,566,000 | 2,116 |
| Average earning assets | $324,892,800 | 2,056 |
| Average equity | $38,968,400 | 2,057 |
| Average total loans | $207,850,000 | 2,177 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7866% | 3,603 |
| Cost of funding earning assets | 0.3089% | 4,275 |
| Net interest margin | 3.4778% | 2,666 |
| Noninterest income to average assets | 0.1677% | 4,461 |
| Noninterest expense to average assets | 1.7738% | 4,537 |
| Loan and lease loss provision to assets | 0.1338% | 2,680 |
| Net operating income to assets | 1.4294% | 1,036 |
| Return on assets (ROA) | 1.4294% | 1,125 |
| Pretax return on assets | 1.6321% | 1,098 |
| Return on Equity (ROE) | 12.0312% | 1,360 |
| Retained earnings to average equity (ytd only) | 7.1009% | 1,646 |
| Net charge-offs to loans | -0.0068% | 4,130 |
| Credit loss provision to net charge-offs | -3,250.0000% | 4,168 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1106% | 4,482 |
| Assets per employee ($millions) | 14.8721% | 169 |
| Cash dividends to net income (ytd only)* | 40.9798% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1371% | 2,996 |
| Loan loss allowance to noncurrent loans | 976.6917% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.0778% | 4,043 |
| Noncurrent loans to loans | 0.1164% | 3,909 |
| Net loans and leases to total assets | 66.0341% | 2,516 |
| Net loans and leases to deposits | 75.1964% | 2,828 |
| Net loans and leases to core deposits | 82.8747% | 2,592 |
| Total domestic deposits to total assets | 87.8155% | 1,298 |
| Equity capital to assets | 11.5913% | 1,940 |
| Core capital (leverage) ratio | 10.7646% | 2,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5592% | 718 |
| Memoranda: | ||
| Average total assets | $323,667,750 | 2,150 |
| Average earning assets | $313,832,250 | 2,084 |
| Average equity | $38,454,500 | 2,072 |
| Average total loans | $196,760,750 | 2,260 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8777% | 3,682 |
| Cost of funding earning assets | 0.3700% | 4,175 |
| Net interest margin | 3.5077% | 2,761 |
| Noninterest income to average assets | 0.1562% | 4,511 |
| Noninterest expense to average assets | 1.8480% | 4,487 |
| Loan and lease loss provision to assets | 0.0787% | 3,312 |
| Net operating income to assets | 1.4197% | 1,068 |
| Return on assets (ROA) | 1.4197% | 1,158 |
| Pretax return on assets | 1.6275% | 1,164 |
| Return on Equity (ROE) | 11.8456% | 1,371 |
| Retained earnings to average equity (ytd only) | 8.1879% | 1,250 |
| Net charge-offs to loans | -0.0097% | 4,203 |
| Credit loss provision to net charge-offs | -1,388.8889% | 3,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9936% | 4,354 |
| Assets per employee ($millions) | 15.2994% | 157 |
| Cash dividends to net income (ytd only)* | 30.8784% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1049% | 3,022 |
| Loan loss allowance to noncurrent loans | 617.5258% | 852 |
| Noncurrent assets plus other real estate owned to assets | 0.2012% | 3,535 |
| Noncurrent loans to loans | 0.1789% | 3,732 |
| Net loans and leases to total assets | 60.9436% | 3,224 |
| Net loans and leases to deposits | 68.9352% | 3,495 |
| Net loans and leases to core deposits | 76.5236% | 3,243 |
| Total domestic deposits to total assets | 88.4070% | 986 |
| Equity capital to assets | 11.1664% | 2,198 |
| Core capital (leverage) ratio | 10.8330% | 2,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5988% | 617 |
| Memoranda: | ||
| Average total assets | $317,537,667 | 2,158 |
| Average earning assets | $307,604,667 | 2,089 |
| Average equity | $38,056,333 | 2,079 |
| Average total loans | $186,190,000 | 2,343 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0342% | 3,697 |
| Cost of funding earning assets | 0.5260% | 3,820 |
| Net interest margin | 3.5081% | 2,950 |
| Noninterest income to average assets | 0.1705% | 4,512 |
| Noninterest expense to average assets | 1.8245% | 4,638 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.4969% | 790 |
| Return on assets (ROA) | 1.4969% | 867 |
| Pretax return on assets | 1.7299% | 816 |
| Return on Equity (ROE) | 12.0092% | 1,104 |
| Retained earnings to average equity (ytd only) | 4.5729% | 2,470 |
| Net charge-offs to loans | -0.0164% | 4,258 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3301% | 4,590 |
| Assets per employee ($millions) | 12.6811% | 201 |
| Cash dividends to net income (ytd only)* | 61.9217% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3030% | 2,139 |
| Loan loss allowance to noncurrent loans | 556.1275% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.2496% | 3,454 |
| Noncurrent loans to loans | 0.2343% | 3,649 |
| Net loans and leases to total assets | 58.9258% | 3,602 |
| Net loans and leases to deposits | 68.1178% | 3,724 |
| Net loans and leases to core deposits | 75.1738% | 3,556 |
| Total domestic deposits to total assets | 86.5058% | 1,776 |
| Equity capital to assets | 12.8843% | 1,503 |
| Core capital (leverage) ratio | 12.4464% | 1,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4440% | 812 |
| Memoranda: | ||
| Average total assets | $300,363,500 | 2,208 |
| Average earning assets | $289,725,500 | 2,138 |
| Average equity | $37,438,000 | 2,095 |
| Average total loans | $170,861,000 | 2,442 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4711% | 3,035 |
| Cost of funding earning assets | 0.7010% | 3,154 |
| Net interest margin | 3.7701% | 2,610 |
| Noninterest income to average assets | 0.1867% | 4,549 |
| Noninterest expense to average assets | 1.7621% | 4,814 |
| Loan and lease loss provision to assets | 0.3749% | 398 |
| Net operating income to assets | 1.4684% | 1,128 |
| Return on assets (ROA) | 1.4716% | 1,187 |
| Pretax return on assets | 1.6787% | 1,247 |
| Return on Equity (ROE) | 11.4962% | 1,695 |
| Retained earnings to average equity (ytd only) | 7.6803% | 1,086 |
| Net charge-offs to loans | 0.2759% | 755 |
| Credit loss provision to net charge-offs | 234.6241% | 1,143 |
| Earnings coverage of net charge-offs (x) | 12.8292% | 2,394 |
| Efficiency ratio | 46.2236% | 4,904 |
| Assets per employee ($millions) | 14.0483% | 144 |
| Cash dividends to net income (ytd only)* | 33.1932% | 2,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3497% | 1,711 |
| Loan loss allowance to noncurrent loans | 539.8568% | 928 |
| Noncurrent assets plus other real estate owned to assets | 0.2391% | 3,484 |
| Noncurrent loans to loans | 0.2500% | 3,552 |
| Net loans and leases to total assets | 53.4925% | 4,113 |
| Net loans and leases to deposits | 61.0691% | 4,238 |
| Net loans and leases to core deposits | 66.8620% | 4,142 |
| Total domestic deposits to total assets | 87.5934% | 1,320 |
| Equity capital to assets | 12.0678% | 2,096 |
| Core capital (leverage) ratio | 11.8897% | 1,848 |
| Tier 1 risk-based capital ratio | 19.8061% | 1,352 |
| Total risk-based capital ratio | 21.0555% | 1,320 |
| Memoranda: | ||
| Average total assets | $274,735,600 | 2,307 |
| Average earning assets | $264,182,600 | 2,251 |
| Average equity | $35,168,000 | 2,127 |
| Average total loans | $159,095,800 | 2,521 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5907% | 2,755 |
| Cost of funding earning assets | 0.7087% | 3,166 |
| Net interest margin | 3.8820% | 2,320 |
| Noninterest income to average assets | 0.1929% | 4,566 |
| Noninterest expense to average assets | 1.8225% | 4,788 |
| Loan and lease loss provision to assets | 0.5160% | 232 |
| Net operating income to assets | 1.4097% | 1,436 |
| Return on assets (ROA) | 1.4142% | 1,484 |
| Pretax return on assets | 1.5940% | 1,658 |
| Return on Equity (ROE) | 10.8671% | 2,071 |
| Retained earnings to average equity (ytd only) | 5.7127% | 2,503 |
| Net charge-offs to loans | 0.3754% | 447 |
| Credit loss provision to net charge-offs | 233.0317% | 1,157 |
| Earnings coverage of net charge-offs (x) | 9.5068% | 2,569 |
| Efficiency ratio | 46.4031% | 4,918 |
| Assets per employee ($millions) | 12.8259% | 176 |
| Cash dividends to net income (ytd only)* | 47.4318% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4345% | 1,441 |
| Loan loss allowance to noncurrent loans | 522.9167% | 944 |
| Noncurrent assets plus other real estate owned to assets | 0.2549% | 3,548 |
| Noncurrent loans to loans | 0.2743% | 3,558 |
| Net loans and leases to total assets | 52.6165% | 4,277 |
| Net loans and leases to deposits | 60.3411% | 4,367 |
| Net loans and leases to core deposits | 65.5697% | 4,302 |
| Total domestic deposits to total assets | 87.1984% | 1,426 |
| Equity capital to assets | 12.1812% | 2,130 |
| Core capital (leverage) ratio | 12.8267% | 1,422 |
| Tier 1 risk-based capital ratio | 20.5127% | 1,282 |
| Total risk-based capital ratio | 21.7639% | 1,250 |
| Memoranda: | ||
| Average total assets | $266,154,000 | 2,367 |
| Average earning assets | $256,045,250 | 2,308 |
| Average equity | $34,635,750 | 2,170 |
| Average total loans | $156,973,000 | 2,573 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6875% | 2,402 |
| Cost of funding earning assets | 0.7034% | 3,153 |
| Net interest margin | 3.9841% | 1,969 |
| Noninterest income to average assets | 0.1910% | 4,611 |
| Noninterest expense to average assets | 1.8757% | 4,784 |
| Loan and lease loss provision to assets | 0.8030% | 125 |
| Net operating income to assets | 1.2301% | 2,036 |
| Return on assets (ROA) | 1.2287% | 2,099 |
| Pretax return on assets | 1.3479% | 2,389 |
| Return on Equity (ROE) | 9.2156% | 2,772 |
| Retained earnings to average equity (ytd only) | 5.3387% | 2,603 |
| Net charge-offs to loans | 0.6084% | 249 |
| Credit loss provision to net charge-offs | 215.9329% | 1,142 |
| Earnings coverage of net charge-offs (x) | 5.7883% | 2,617 |
| Efficiency ratio | 46.5647% | 4,964 |
| Assets per employee ($millions) | 11.6332% | 230 |
| Cash dividends to net income (ytd only)* | 42.0685% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4238% | 1,516 |
| Loan loss allowance to noncurrent loans | 498.6547% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.2993% | 3,348 |
| Noncurrent loans to loans | 0.2855% | 3,509 |
| Net loans and leases to total assets | 60.1653% | 3,719 |
| Net loans and leases to deposits | 70.0302% | 3,838 |
| Net loans and leases to core deposits | 75.6325% | 3,763 |
| Total domestic deposits to total assets | 85.9133% | 2,082 |
| Equity capital to assets | 13.7745% | 1,208 |
| Core capital (leverage) ratio | 13.0546% | 1,271 |
| Tier 1 risk-based capital ratio | 20.2367% | 1,302 |
| Total risk-based capital ratio | 21.4870% | 1,274 |
| Memoranda: | ||
| Average total assets | $256,540,330 | 2,443 |
| Average earning assets | $247,081,000 | 2,374 |
| Average equity | $34,203,000 | 2,185 |
| Average total loans | $156,805,670 | 2,585 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5394% | 2,734 |
| Cost of funding earning assets | 0.6340% | 3,384 |
| Net interest margin | 3.9054% | 2,170 |
| Noninterest income to average assets | 0.1931% | 4,599 |
| Noninterest expense to average assets | 1.7614% | 4,958 |
| Loan and lease loss provision to assets | 0.0467% | 2,715 |
| Net operating income to assets | 1.8747% | 482 |
| Return on assets (ROA) | 1.8719% | 502 |
| Pretax return on assets | 2.1523% | 485 |
| Return on Equity (ROE) | 14.2764% | 906 |
| Retained earnings to average equity (ytd only) | 6.4493% | 2,262 |
| Net charge-offs to loans | -0.0051% | 4,033 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4401% | 5,089 |
| Assets per employee ($millions) | 12.2148% | 197 |
| Cash dividends to net income (ytd only)* | 54.8253% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0642% | 3,335 |
| Loan loss allowance to noncurrent loans | 178.8866% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 0.3711% | 3,106 |
| Noncurrent loans to loans | 0.5949% | 2,558 |
| Net loans and leases to total assets | 61.7227% | 3,530 |
| Net loans and leases to deposits | 71.6957% | 3,626 |
| Net loans and leases to core deposits | 76.3859% | 3,634 |
| Total domestic deposits to total assets | 86.0898% | 2,239 |
| Equity capital to assets | 13.4587% | 1,224 |
| Core capital (leverage) ratio | 13.7046% | 1,025 |
| Tier 1 risk-based capital ratio | 19.7906% | 1,379 |
| Total risk-based capital ratio | 20.7669% | 1,411 |
| Memoranda: | ||
| Average total assets | $256,845,500 | 2,469 |
| Average earning assets | $247,963,500 | 2,398 |
| Average equity | $33,678,000 | 2,206 |
| Average total loans | $157,106,000 | 2,605 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2697% | 3,216 |
| Cost of funding earning assets | 0.4534% | 3,660 |
| Net interest margin | 3.8164% | 2,608 |
| Noninterest income to average assets | 0.2140% | 4,628 |
| Noninterest expense to average assets | 1.7740% | 5,026 |
| Loan and lease loss provision to assets | 0.0352% | 3,495 |
| Net operating income to assets | 1.8248% | 522 |
| Return on assets (ROA) | 1.8296% | 514 |
| Pretax return on assets | 2.0886% | 450 |
| Return on Equity (ROE) | 14.7922% | 876 |
| Retained earnings to average equity (ytd only) | 10.9210% | 456 |
| Net charge-offs to loans | 0.0130% | 3,248 |
| Credit loss provision to net charge-offs | 473.6842% | 724 |
| Earnings coverage of net charge-offs (x) | 285.0000% | 340 |
| Efficiency ratio | 45.5779% | 5,131 |
| Assets per employee ($millions) | 12.8591% | 166 |
| Cash dividends to net income (ytd only)* | 26.1706% | 3,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0838% | 3,200 |
| Loan loss allowance to noncurrent loans | 2,785.0000% | 284 |
| Noncurrent assets plus other real estate owned to assets | 0.0233% | 4,757 |
| Noncurrent loans to loans | 0.0389% | 4,586 |
| Net loans and leases to total assets | 59.3018% | 3,839 |
| Net loans and leases to deposits | 68.1936% | 3,965 |
| Net loans and leases to core deposits | 71.5919% | 4,023 |
| Total domestic deposits to total assets | 86.9609% | 1,800 |
| Equity capital to assets | 12.7665% | 1,455 |
| Core capital (leverage) ratio | 13.3474% | 1,131 |
| Tier 1 risk-based capital ratio | 19.8750% | 1,327 |
| Total risk-based capital ratio | 20.8503% | 1,356 |
| Memoranda: | ||
| Average total assets | $255,630,400 | 2,435 |
| Average earning assets | $246,385,200 | 2,365 |
| Average equity | $31,618,000 | 2,243 |
| Average total loans | $146,325,000 | 2,686 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1906% | 3,353 |
| Cost of funding earning assets | 0.4112% | 3,782 |
| Net interest margin | 3.7794% | 2,716 |
| Noninterest income to average assets | 0.2168% | 4,670 |
| Noninterest expense to average assets | 1.7599% | 5,077 |
| Loan and lease loss provision to assets | 0.0313% | 3,389 |
| Net operating income to assets | 1.8112% | 589 |
| Return on assets (ROA) | 1.8163% | 586 |
| Pretax return on assets | 2.0754% | 516 |
| Return on Equity (ROE) | 14.8044% | 918 |
| Retained earnings to average equity (ytd only) | 9.5928% | 1,029 |
| Net charge-offs to loans | -0.0037% | 4,170 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,698 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5825% | 5,163 |
| Assets per employee ($millions) | 12.6521% | 168 |
| Cash dividends to net income (ytd only)* | 35.2028% | 2,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1568% | 2,866 |
| Loan loss allowance to noncurrent loans | 1,214.5985% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.0541% | 4,694 |
| Noncurrent loans to loans | 0.0952% | 4,460 |
| Net loans and leases to total assets | 56.1893% | 4,202 |
| Net loans and leases to deposits | 64.6923% | 4,297 |
| Net loans and leases to core deposits | 68.4921% | 4,278 |
| Total domestic deposits to total assets | 86.8563% | 1,793 |
| Equity capital to assets | 12.6252% | 1,509 |
| Core capital (leverage) ratio | 13.0135% | 1,276 |
| Tier 1 risk-based capital ratio | 20.4651% | 1,259 |
| Total risk-based capital ratio | 21.5042% | 1,266 |
| Memoranda: | ||
| Average total assets | $255,242,750 | 2,454 |
| Average earning assets | $246,097,500 | 2,375 |
| Average equity | $31,314,250 | 2,264 |
| Average total loans | $144,360,250 | 2,734 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1142% | 3,402 |
| Cost of funding earning assets | 0.3647% | 3,981 |
| Net interest margin | 3.7494% | 2,752 |
| Noninterest income to average assets | 0.2078% | 4,767 |
| Noninterest expense to average assets | 1.7736% | 5,126 |
| Loan and lease loss provision to assets | 0.0234% | 3,451 |
| Net operating income to assets | 1.7821% | 606 |
| Return on assets (ROA) | 1.7869% | 598 |
| Pretax return on assets | 2.0307% | 569 |
| Return on Equity (ROE) | 14.7058% | 916 |
| Retained earnings to average equity (ytd only) | 10.8670% | 697 |
| Net charge-offs to loans | -0.0055% | 4,131 |
| Credit loss provision to net charge-offs | -750.0000% | 4,441 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4023% | 5,194 |
| Assets per employee ($millions) | 12.2902% | 178 |
| Cash dividends to net income (ytd only)* | 26.1041% | 2,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0833% | 3,366 |
| Loan loss allowance to noncurrent loans | 912.8492% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.0728% | 4,646 |
| Noncurrent loans to loans | 0.1187% | 4,374 |
| Net loans and leases to total assets | 60.6984% | 3,743 |
| Net loans and leases to deposits | 69.8497% | 3,875 |
| Net loans and leases to core deposits | 73.9733% | 3,879 |
| Total domestic deposits to total assets | 86.8985% | 1,882 |
| Equity capital to assets | 12.8533% | 1,370 |
| Core capital (leverage) ratio | 12.8940% | 1,275 |
| Tier 1 risk-based capital ratio | 19.5671% | 1,413 |
| Total risk-based capital ratio | 20.5587% | 1,433 |
| Memoranda: | ||
| Average total assets | $255,976,670 | 2,459 |
| Average earning assets | $246,757,000 | 2,382 |
| Average equity | $31,103,330 | 2,282 |
| Average total loans | $144,531,670 | 2,736 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9370% | 3,826 |
| Cost of funding earning assets | 0.3310% | 4,129 |
| Net interest margin | 3.6060% | 3,155 |
| Noninterest income to average assets | 0.1977% | 4,838 |
| Noninterest expense to average assets | 1.7329% | 5,215 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.7299% | 646 |
| Return on assets (ROA) | 1.7299% | 653 |
| Pretax return on assets | 1.9536% | 639 |
| Return on Equity (ROE) | 14.6348% | 870 |
| Retained earnings to average equity (ytd only) | 6.8961% | 2,326 |
| Net charge-offs to loans | -0.0113% | 4,304 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0075% | 5,232 |
| Assets per employee ($millions) | 13.8324% | 131 |
| Cash dividends to net income (ytd only)* | 52.8787% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1221% | 3,250 |
| Loan loss allowance to noncurrent loans | 716.0714% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.0852% | 4,664 |
| Noncurrent loans to loans | 0.1567% | 4,279 |
| Net loans and leases to total assets | 53.7793% | 4,306 |
| Net loans and leases to deposits | 61.2307% | 4,384 |
| Net loans and leases to core deposits | 64.5642% | 4,386 |
| Total domestic deposits to total assets | 87.8306% | 1,710 |
| Equity capital to assets | 11.7345% | 1,964 |
| Core capital (leverage) ratio | 12.0957% | 1,593 |
| Tier 1 risk-based capital ratio | 19.6062% | 1,417 |
| Total risk-based capital ratio | 20.6047% | 1,431 |
| Memoranda: | ||
| Average total assets | $261,063,000 | 2,435 |
| Average earning assets | $252,577,500 | 2,349 |
| Average equity | $30,858,000 | 2,313 |
| Average total loans | $141,381,000 | 2,796 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7771% | 4,120 |
| Cost of funding earning assets | 0.2711% | 4,388 |
| Net interest margin | 3.5061% | 3,509 |
| Noninterest income to average assets | 0.2049% | 4,917 |
| Noninterest expense to average assets | 1.4524% | 5,501 |
| Loan and lease loss provision to assets | 0.6474% | 192 |
| Net operating income to assets | 1.2195% | 1,454 |
| Return on assets (ROA) | 1.2208% | 1,476 |
| Pretax return on assets | 1.4831% | 1,709 |
| Return on Equity (ROE) | 10.0928% | 1,840 |
| Retained earnings to average equity (ytd only) | 6.4511% | 1,301 |
| Net charge-offs to loans | 1.2603% | 131 |
| Credit loss provision to net charge-offs | 96.9029% | 2,662 |
| Earnings coverage of net charge-offs (x) | 3.1864% | 3,644 |
| Efficiency ratio | 40.5556% | 5,518 |
| Assets per employee ($millions) | 14.4062% | 106 |
| Cash dividends to net income (ytd only)* | 36.0821% | 3,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1443% | 3,093 |
| Loan loss allowance to noncurrent loans | 406.0914% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.1519% | 4,380 |
| Noncurrent loans to loans | 0.2818% | 3,773 |
| Net loans and leases to total assets | 53.3020% | 4,414 |
| Net loans and leases to deposits | 60.5999% | 4,527 |
| Net loans and leases to core deposits | 64.6410% | 4,493 |
| Total domestic deposits to total assets | 87.9573% | 1,527 |
| Equity capital to assets | 11.9069% | 1,904 |
| Core capital (leverage) ratio | 11.7101% | 1,790 |
| Tier 1 risk-based capital ratio | 19.5851% | 1,399 |
| Total risk-based capital ratio | 20.5962% | 1,419 |
| Memoranda: | ||
| Average total assets | $251,303,000 | 2,483 |
| Average earning assets | $242,008,400 | 2,411 |
| Average equity | $30,398,000 | 2,328 |
| Average total loans | $133,221,000 | 2,871 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7424% | 4,204 |
| Cost of funding earning assets | 0.2579% | 4,499 |
| Net interest margin | 3.4845% | 3,553 |
| Noninterest income to average assets | 0.2075% | 4,967 |
| Noninterest expense to average assets | 1.4296% | 5,567 |
| Loan and lease loss provision to assets | 0.5990% | 183 |
| Net operating income to assets | 1.2961% | 1,350 |
| Return on assets (ROA) | 1.2975% | 1,378 |
| Pretax return on assets | 1.5339% | 1,651 |
| Return on Equity (ROE) | 10.6828% | 1,832 |
| Retained earnings to average equity (ytd only) | 5.8081% | 2,374 |
| Net charge-offs to loans | 1.2961% | 128 |
| Credit loss provision to net charge-offs | 87.5684% | 2,487 |
| Earnings coverage of net charge-offs (x) | 3.1157% | 3,375 |
| Efficiency ratio | 40.1472% | 5,579 |
| Assets per employee ($millions) | 15.7762% | 77 |
| Cash dividends to net income (ytd only)* | 45.6305% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1506% | 3,200 |
| Loan loss allowance to noncurrent loans | 162.1064% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 0.3434% | 3,671 |
| Noncurrent loans to loans | 0.7098% | 2,580 |
| Net loans and leases to total assets | 47.8268% | 4,838 |
| Net loans and leases to deposits | 54.5463% | 4,936 |
| Net loans and leases to core deposits | 58.8873% | 4,877 |
| Total domestic deposits to total assets | 87.6810% | 1,522 |
| Equity capital to assets | 11.7418% | 2,159 |
| Core capital (leverage) ratio | 11.9194% | 1,745 |
| Tier 1 risk-based capital ratio | 20.0610% | 1,347 |
| Total risk-based capital ratio | 21.0492% | 1,370 |
| Memoranda: | ||
| Average total assets | $249,301,000 | 2,512 |
| Average earning assets | $239,913,250 | 2,440 |
| Average equity | $30,278,500 | 2,358 |
| Average total loans | $131,571,750 | 2,921 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7586% | 4,041 |
| Cost of funding earning assets | 0.2475% | 4,559 |
| Net interest margin | 3.5111% | 3,356 |
| Noninterest income to average assets | 0.2132% | 4,980 |
| Noninterest expense to average assets | 1.4543% | 5,599 |
| Loan and lease loss provision to assets | 0.8724% | 114 |
| Net operating income to assets | 1.1278% | 1,863 |
| Return on assets (ROA) | 1.1300% | 1,905 |
| Pretax return on assets | 1.2634% | 2,523 |
| Return on Equity (ROE) | 9.1918% | 2,415 |
| Retained earnings to average equity (ytd only) | 5.5566% | 2,379 |
| Net charge-offs to loans | -0.0287% | 4,938 |
| Credit loss provision to net charge-offs | -5,578.9474% | 5,079 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.5368% | 5,616 |
| Assets per employee ($millions) | 14.6075% | 93 |
| Cash dividends to net income (ytd only)* | 39.5484% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0556% | 544 |
| Loan loss allowance to noncurrent loans | 116.4109% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 0.9447% | 1,863 |
| Noncurrent loans to loans | 1.7658% | 1,021 |
| Net loans and leases to total assets | 52.3996% | 4,533 |
| Net loans and leases to deposits | 60.1186% | 4,614 |
| Net loans and leases to core deposits | 64.5903% | 4,560 |
| Total domestic deposits to total assets | 87.1605% | 1,873 |
| Equity capital to assets | 12.4883% | 1,629 |
| Core capital (leverage) ratio | 12.2407% | 1,504 |
| Tier 1 risk-based capital ratio | 19.4430% | 1,490 |
| Total risk-based capital ratio | 20.7005% | 1,441 |
| Memoranda: | ||
| Average total assets | $243,003,000 | 2,567 |
| Average earning assets | $233,543,000 | 2,494 |
| Average equity | $29,874,330 | 2,380 |
| Average total loans | $132,175,000 | 2,908 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7152% | 4,067 |
| Cost of funding earning assets | 0.2408% | 4,629 |
| Net interest margin | 3.4744% | 3,375 |
| Noninterest income to average assets | 0.2164% | 4,972 |
| Noninterest expense to average assets | 1.4663% | 5,654 |
| Loan and lease loss provision to assets | 1.6643% | 48 |
| Net operating income to assets | 0.5958% | 4,182 |
| Return on assets (ROA) | 0.5942% | 4,234 |
| Pretax return on assets | 0.4227% | 5,117 |
| Return on Equity (ROE) | 4.8728% | 4,446 |
| Retained earnings to average equity (ytd only) | -2.5388% | 5,224 |
| Net charge-offs to loans | -0.0303% | 4,933 |
| Credit loss provision to net charge-offs | -10,000.0000% | 4,769 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2453% | 5,664 |
| Assets per employee ($millions) | 14.5845% | 97 |
| Cash dividends to net income (ytd only)* | 152.1008% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0239% | 645 |
| Loan loss allowance to noncurrent loans | 105.3423% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 1.0192% | 1,785 |
| Noncurrent loans to loans | 1.9212% | 941 |
| Net loans and leases to total assets | 51.9767% | 4,518 |
| Net loans and leases to deposits | 59.1712% | 4,622 |
| Net loans and leases to core deposits | 63.5327% | 4,565 |
| Total domestic deposits to total assets | 87.8412% | 1,805 |
| Equity capital to assets | 11.7865% | 1,975 |
| Core capital (leverage) ratio | 12.3961% | 1,392 |
| Tier 1 risk-based capital ratio | 19.2038% | 1,559 |
| Total risk-based capital ratio | 20.4600% | 1,525 |
| Memoranda: | ||
| Average total assets | $240,340,500 | 2,611 |
| Average earning assets | $230,944,000 | 2,542 |
| Average equity | $29,305,500 | 2,425 |
| Average total loans | $131,835,500 | 2,933 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7421% | 4,085 |
| Cost of funding earning assets | 0.2461% | 4,601 |
| Net interest margin | 3.4960% | 3,445 |
| Noninterest income to average assets | 0.2626% | 4,853 |
| Noninterest expense to average assets | 1.4965% | 5,721 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.6832% | 567 |
| Return on assets (ROA) | 1.7755% | 485 |
| Pretax return on assets | 2.2428% | 299 |
| Return on Equity (ROE) | 13.7327% | 818 |
| Retained earnings to average equity (ytd only) | 10.2969% | 371 |
| Net charge-offs to loans | -0.0314% | 5,266 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3131% | 5,764 |
| Assets per employee ($millions) | 14.5466% | 92 |
| Cash dividends to net income (ytd only)* | 25.0187% | 3,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2502% | 2,820 |
| Loan loss allowance to noncurrent loans | 60.0073% | 4,450 |
| Noncurrent assets plus other real estate owned to assets | 1.1828% | 1,531 |
| Noncurrent loans to loans | 2.0834% | 849 |
| Net loans and leases to total assets | 56.0648% | 4,262 |
| Net loans and leases to deposits | 64.4312% | 4,372 |
| Net loans and leases to core deposits | 68.6425% | 4,351 |
| Total domestic deposits to total assets | 87.0150% | 2,139 |
| Equity capital to assets | 12.6267% | 1,444 |
| Core capital (leverage) ratio | 12.5363% | 1,318 |
| Tier 1 risk-based capital ratio | 19.3024% | 1,522 |
| Total risk-based capital ratio | 20.3944% | 1,523 |
| Memoranda: | ||
| Average total assets | $225,793,000 | 2,702 |
| Average earning assets | $216,991,000 | 2,629 |
| Average equity | $29,193,200 | 2,434 |
| Average total loans | $124,367,400 | 3,001 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7550% | 4,062 |
| Cost of funding earning assets | 0.2450% | 4,651 |
| Net interest margin | 3.5100% | 3,430 |
| Noninterest income to average assets | 0.2755% | 4,802 |
| Noninterest expense to average assets | 1.5264% | 5,738 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.6623% | 645 |
| Return on assets (ROA) | 1.7477% | 574 |
| Pretax return on assets | 2.2345% | 361 |
| Return on Equity (ROE) | 13.4362% | 936 |
| Retained earnings to average equity (ytd only) | 8.8522% | 865 |
| Net charge-offs to loans | -0.0338% | 5,211 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.8025% | 5,790 |
| Assets per employee ($millions) | 14.1751% | 97 |
| Cash dividends to net income (ytd only)* | 34.1166% | 2,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3259% | 2,543 |
| Loan loss allowance to noncurrent loans | 51.8122% | 4,689 |
| Noncurrent assets plus other real estate owned to assets | 1.3990% | 1,334 |
| Noncurrent loans to loans | 2.5590% | 671 |
| Net loans and leases to total assets | 53.9464% | 4,492 |
| Net loans and leases to deposits | 62.8005% | 4,574 |
| Net loans and leases to core deposits | 67.3713% | 4,517 |
| Total domestic deposits to total assets | 85.9013% | 2,409 |
| Equity capital to assets | 13.1490% | 1,417 |
| Core capital (leverage) ratio | 12.6991% | 1,310 |
| Tier 1 risk-based capital ratio | 19.9150% | 1,460 |
| Total risk-based capital ratio | 21.0799% | 1,442 |
| Memoranda: | ||
| Average total assets | $224,055,000 | 2,728 |
| Average earning assets | $215,495,750 | 2,653 |
| Average equity | $29,144,500 | 2,444 |
| Average total loans | $122,424,250 | 3,033 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7717% | 4,050 |
| Cost of funding earning assets | 0.2415% | 4,742 |
| Net interest margin | 3.5302% | 3,369 |
| Noninterest income to average assets | 0.2779% | 4,793 |
| Noninterest expense to average assets | 1.5685% | 5,786 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.6541% | 637 |
| Return on assets (ROA) | 1.7191% | 594 |
| Pretax return on assets | 2.1986% | 382 |
| Return on Equity (ROE) | 13.2648% | 965 |
| Retained earnings to average equity (ytd only) | 9.8552% | 631 |
| Net charge-offs to loans | -0.0328% | 5,167 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.5791% | 5,856 |
| Assets per employee ($millions) | 14.4002% | 87 |
| Cash dividends to net income (ytd only)* | 25.7039% | 3,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3884% | 2,349 |
| Loan loss allowance to noncurrent loans | 121.0526% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 0.6245% | 3,132 |
| Noncurrent loans to loans | 1.1469% | 2,004 |
| Net loans and leases to total assets | 53.6956% | 4,536 |
| Net loans and leases to deposits | 62.8326% | 4,584 |
| Net loans and leases to core deposits | 67.6662% | 4,501 |
| Total domestic deposits to total assets | 85.4581% | 2,661 |
| Equity capital to assets | 13.8035% | 1,093 |
| Core capital (leverage) ratio | 12.7779% | 1,242 |
| Tier 1 risk-based capital ratio | 21.0770% | 1,256 |
| Total risk-based capital ratio | 22.3020% | 1,244 |
| Memoranda: | ||
| Average total assets | $223,139,670 | 2,748 |
| Average earning assets | $215,288,000 | 2,662 |
| Average equity | $28,918,670 | 2,459 |
| Average total loans | $121,900,670 | 3,048 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7400% | 4,171 |
| Cost of funding earning assets | 0.2307% | 4,895 |
| Net interest margin | 3.5093% | 3,438 |
| Noninterest income to average assets | 0.2911% | 4,641 |
| Noninterest expense to average assets | 1.5615% | 5,858 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.6425% | 646 |
| Return on assets (ROA) | 1.6797% | 640 |
| Pretax return on assets | 2.1596% | 413 |
| Return on Equity (ROE) | 13.3755% | 949 |
| Retained earnings to average equity (ytd only) | 6.4489% | 2,166 |
| Net charge-offs to loans | -0.0355% | 5,141 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.5072% | 5,907 |
| Assets per employee ($millions) | 14.0651% | 97 |
| Cash dividends to net income (ytd only)* | 51.7857% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3509% | 2,650 |
| Loan loss allowance to noncurrent loans | 117.4259% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 0.6146% | 3,225 |
| Noncurrent loans to loans | 1.1504% | 2,108 |
| Net loans and leases to total assets | 52.6968% | 4,561 |
| Net loans and leases to deposits | 61.1355% | 4,640 |
| Net loans and leases to core deposits | 64.8681% | 4,634 |
| Total domestic deposits to total assets | 86.1968% | 2,590 |
| Equity capital to assets | 12.8269% | 1,494 |
| Core capital (leverage) ratio | 12.3398% | 1,413 |
| Tier 1 risk-based capital ratio | 19.8644% | 1,533 |
| Total risk-based capital ratio | 21.0512% | 1,511 |
| Memoranda: | ||
| Average total assets | $226,708,000 | 2,718 |
| Average earning assets | $218,504,500 | 2,643 |
| Average equity | $28,470,000 | 2,485 |
| Average total loans | $124,042,500 | 3,029 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8196% | 3,982 |
| Cost of funding earning assets | 0.1927% | 5,340 |
| Net interest margin | 3.6269% | 3,028 |
| Noninterest income to average assets | 0.2884% | 4,827 |
| Noninterest expense to average assets | 1.5431% | 5,955 |
| Loan and lease loss provision to assets | 0.0355% | 3,637 |
| Net operating income to assets | 1.7228% | 549 |
| Return on assets (ROA) | 1.7450% | 552 |
| Pretax return on assets | 2.2405% | 318 |
| Return on Equity (ROE) | 14.2874% | 804 |
| Retained earnings to average equity (ytd only) | 10.8543% | 359 |
| Net charge-offs to loans | -0.0521% | 5,565 |
| Credit loss provision to net charge-offs | -122.5806% | 5,185 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.7079% | 6,051 |
| Assets per employee ($millions) | 14.2734% | 92 |
| Cash dividends to net income (ytd only)* | 24.0289% | 3,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2614% | 3,101 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 55.2856% | 4,357 |
| Net loans and leases to deposits | 63.4941% | 4,506 |
| Net loans and leases to core deposits | 66.9080% | 4,513 |
| Total domestic deposits to total assets | 87.0721% | 2,091 |
| Equity capital to assets | 12.2930% | 1,747 |
| Core capital (leverage) ratio | 12.2751% | 1,467 |
| Tier 1 risk-based capital ratio | 18.8290% | 1,740 |
| Total risk-based capital ratio | 19.9641% | 1,726 |
| Memoranda: | ||
| Average total assets | $213,925,000 | 2,801 |
| Average earning assets | $206,566,800 | 2,705 |
| Average equity | $26,128,000 | 2,615 |
| Average total loans | $118,913,600 | 3,070 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8145% | 4,043 |
| Cost of funding earning assets | 0.1907% | 5,455 |
| Net interest margin | 3.6238% | 3,065 |
| Noninterest income to average assets | 0.2910% | 4,864 |
| Noninterest expense to average assets | 1.5583% | 6,003 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.7262% | 592 |
| Return on assets (ROA) | 1.7472% | 594 |
| Pretax return on assets | 2.2658% | 358 |
| Return on Equity (ROE) | 14.3306% | 835 |
| Retained earnings to average equity (ytd only) | 9.6664% | 700 |
| Net charge-offs to loans | -0.0606% | 5,603 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0419% | 6,108 |
| Assets per employee ($millions) | 14.1585% | 95 |
| Cash dividends to net income (ytd only)* | 32.5472% | 2,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2933% | 3,133 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 54.9106% | 4,471 |
| Net loans and leases to deposits | 63.6426% | 4,584 |
| Net loans and leases to core deposits | 67.3497% | 4,601 |
| Total domestic deposits to total assets | 86.2797% | 2,394 |
| Equity capital to assets | 12.7730% | 1,578 |
| Core capital (leverage) ratio | 12.4388% | 1,447 |
| Tier 1 risk-based capital ratio | 19.6173% | 1,646 |
| Total risk-based capital ratio | 20.7784% | 1,628 |
| Memoranda: | ||
| Average total assets | $210,312,750 | 2,861 |
| Average earning assets | $203,466,250 | 2,762 |
| Average equity | $25,641,500 | 2,663 |
| Average total loans | $116,674,250 | 3,124 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7605% | 4,205 |
| Cost of funding earning assets | 0.1913% | 5,517 |
| Net interest margin | 3.5692% | 3,216 |
| Noninterest income to average assets | 0.3263% | 4,614 |
| Noninterest expense to average assets | 1.5456% | 6,088 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.7240% | 604 |
| Return on assets (ROA) | 1.7240% | 626 |
| Pretax return on assets | 2.2345% | 391 |
| Return on Equity (ROE) | 14.3719% | 838 |
| Retained earnings to average equity (ytd only) | 10.9837% | 507 |
| Net charge-offs to loans | -0.0740% | 5,685 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.8884% | 6,185 |
| Assets per employee ($millions) | 12.7409% | 122 |
| Cash dividends to net income (ytd only)* | 23.5750% | 3,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2576% | 3,471 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 58.4670% | 4,044 |
| Net loans and leases to deposits | 67.3516% | 4,198 |
| Net loans and leases to core deposits | 71.4167% | 4,186 |
| Total domestic deposits to total assets | 86.8088% | 2,264 |
| Equity capital to assets | 12.6845% | 1,559 |
| Core capital (leverage) ratio | 12.3728% | 1,446 |
| Tier 1 risk-based capital ratio | 19.2914% | 1,720 |
| Total risk-based capital ratio | 20.4438% | 1,718 |
| Memoranda: | ||
| Average total assets | $209,624,330 | 2,892 |
| Average earning assets | $202,847,000 | 2,788 |
| Average equity | $25,146,330 | 2,711 |
| Average total loans | $116,183,670 | 3,149 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6240% | 4,614 |
| Cost of funding earning assets | 0.1907% | 5,593 |
| Net interest margin | 3.4332% | 3,698 |
| Noninterest income to average assets | 0.3765% | 4,189 |
| Noninterest expense to average assets | 1.5303% | 6,162 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.6677% | 638 |
| Return on assets (ROA) | 1.6677% | 669 |
| Pretax return on assets | 2.1665% | 416 |
| Return on Equity (ROE) | 14.2958% | 821 |
| Retained earnings to average equity (ytd only) | 7.4222% | 1,799 |
| Net charge-offs to loans | -0.0070% | 4,595 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3951% | 6,238 |
| Assets per employee ($millions) | 13.9696% | 95 |
| Cash dividends to net income (ytd only)* | 48.0813% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3107% | 3,339 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 53.0733% | 4,547 |
| Net loans and leases to deposits | 60.7646% | 4,687 |
| Net loans and leases to core deposits | 64.1128% | 4,688 |
| Total domestic deposits to total assets | 87.3425% | 2,192 |
| Equity capital to assets | 11.9512% | 2,064 |
| Core capital (leverage) ratio | 11.8004% | 1,778 |
| Tier 1 risk-based capital ratio | 19.4095% | 1,761 |
| Total risk-based capital ratio | 20.5802% | 1,740 |
| Memoranda: | ||
| Average total assets | $212,509,000 | 2,883 |
| Average earning assets | $205,521,000 | 2,777 |
| Average equity | $24,790,500 | 2,765 |
| Average total loans | $113,922,500 | 3,200 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7804% | 4,551 |
| Cost of funding earning assets | 0.2090% | 5,673 |
| Net interest margin | 3.5714% | 3,513 |
| Noninterest income to average assets | 0.2750% | 5,148 |
| Noninterest expense to average assets | 1.5435% | 6,275 |
| Loan and lease loss provision to assets | 0.1046% | 2,407 |
| Net operating income to assets | 1.5665% | 763 |
| Return on assets (ROA) | 1.6665% | 643 |
| Pretax return on assets | 2.1941% | 321 |
| Return on Equity (ROE) | 14.2077% | 903 |
| Retained earnings to average equity (ytd only) | 11.0277% | 379 |
| Net charge-offs to loans | 0.0465% | 3,895 |
| Credit loss provision to net charge-offs | 401.9608% | 645 |
| Earnings coverage of net charge-offs (x) | 83.2745% | 605 |
| Efficiency ratio | 41.5979% | 6,371 |
| Assets per employee ($millions) | 14.3649% | 84 |
| Cash dividends to net income (ytd only)* | 22.3821% | 3,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2809% | 3,538 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1392% | 5,476 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 52.7586% | 4,719 |
| Net loans and leases to deposits | 59.8816% | 4,913 |
| Net loans and leases to core deposits | 62.9658% | 4,923 |
| Total domestic deposits to total assets | 88.1048% | 1,718 |
| Equity capital to assets | 11.3879% | 2,522 |
| Core capital (leverage) ratio | 11.1762% | 2,239 |
| Tier 1 risk-based capital ratio | 18.6840% | 1,937 |
| Total risk-based capital ratio | 19.8311% | 1,933 |
| Memoranda: | ||
| Average total assets | $195,978,000 | 3,041 |
| Average earning assets | $188,525,400 | 2,929 |
| Average equity | $22,987,600 | 2,851 |
| Average total loans | $109,569,400 | 3,230 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8289% | 4,437 |
| Cost of funding earning assets | 0.2105% | 5,748 |
| Net interest margin | 3.6184% | 3,353 |
| Noninterest income to average assets | 0.2881% | 5,138 |
| Noninterest expense to average assets | 1.5670% | 6,314 |
| Loan and lease loss provision to assets | 0.1235% | 2,022 |
| Net operating income to assets | 1.5464% | 852 |
| Return on assets (ROA) | 1.6814% | 663 |
| Pretax return on assets | 2.2549% | 331 |
| Return on Equity (ROE) | 14.2179% | 946 |
| Retained earnings to average equity (ytd only) | 9.9054% | 741 |
| Net charge-offs to loans | 0.0629% | 3,310 |
| Credit loss provision to net charge-offs | 347.0588% | 808 |
| Earnings coverage of net charge-offs (x) | 61.7828% | 844 |
| Efficiency ratio | 41.6157% | 6,425 |
| Assets per employee ($millions) | 13.9330% | 93 |
| Cash dividends to net income (ytd only)* | 30.3319% | 2,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3062% | 3,610 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1435% | 5,612 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 52.3127% | 4,775 |
| Net loans and leases to deposits | 59.4151% | 4,991 |
| Net loans and leases to core deposits | 62.5725% | 4,998 |
| Total domestic deposits to total assets | 88.0461% | 1,737 |
| Equity capital to assets | 11.2840% | 2,674 |
| Core capital (leverage) ratio | 11.6883% | 1,917 |
| Tier 1 risk-based capital ratio | 18.8537% | 1,944 |
| Total risk-based capital ratio | 20.0316% | 1,928 |
| Memoranda: | ||
| Average total assets | $191,104,000 | 3,119 |
| Average earning assets | $183,649,000 | 3,016 |
| Average equity | $22,600,000 | 2,891 |
| Average total loans | $108,172,750 | 3,280 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9103% | 4,102 |
| Cost of funding earning assets | 0.2154% | 5,788 |
| Net interest margin | 3.6949% | 2,984 |
| Noninterest income to average assets | 0.2830% | 5,158 |
| Noninterest expense to average assets | 1.6334% | 6,332 |
| Loan and lease loss provision to assets | 0.1620% | 1,530 |
| Net operating income to assets | 1.4984% | 871 |
| Return on assets (ROA) | 1.7047% | 597 |
| Pretax return on assets | 2.3053% | 303 |
| Return on Equity (ROE) | 14.1700% | 922 |
| Retained earnings to average equity (ytd only) | 11.0361% | 534 |
| Net charge-offs to loans | 0.1864% | 1,912 |
| Credit loss provision to net charge-offs | 150.0000% | 1,450 |
| Earnings coverage of net charge-offs (x) | 20.2600% | 1,590 |
| Efficiency ratio | 42.7360% | 6,461 |
| Assets per employee ($millions) | 12.3051% | 125 |
| Cash dividends to net income (ytd only)* | 22.1166% | 3,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2619% | 4,073 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1625% | 5,665 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 58.1199% | 3,975 |
| Net loans and leases to deposits | 66.7642% | 4,194 |
| Net loans and leases to core deposits | 71.8108% | 4,069 |
| Total domestic deposits to total assets | 87.0526% | 2,428 |
| Equity capital to assets | 12.4967% | 1,644 |
| Core capital (leverage) ratio | 12.4292% | 1,431 |
| Tier 1 risk-based capital ratio | 19.7241% | 1,752 |
| Total risk-based capital ratio | 20.9083% | 1,736 |
| Memoranda: | ||
| Average total assets | $185,140,330 | 3,206 |
| Average earning assets | $177,325,000 | 3,111 |
| Average equity | $22,272,330 | 2,917 |
| Average total loans | $107,304,330 | 3,300 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8459% | 4,305 |
| Cost of funding earning assets | 0.2160% | 5,877 |
| Net interest margin | 3.6299% | 3,142 |
| Noninterest income to average assets | 0.3042% | 4,917 |
| Noninterest expense to average assets | 1.5683% | 6,454 |
| Loan and lease loss provision to assets | 0.1618% | 1,504 |
| Net operating income to assets | 1.4979% | 822 |
| Return on assets (ROA) | 1.6632% | 627 |
| Pretax return on assets | 2.2802% | 316 |
| Return on Equity (ROE) | 14.0980% | 930 |
| Retained earnings to average equity (ytd only) | 7.7164% | 1,719 |
| Net charge-offs to loans | -0.0038% | 4,771 |
| Credit loss provision to net charge-offs | -7,500.0000% | 5,625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.4481% | 6,562 |
| Assets per employee ($millions) | 13.4937% | 99 |
| Cash dividends to net income (ytd only)* | 45.2659% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3454% | 3,874 |
| Loan loss allowance to noncurrent loans | 347.2637% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 0.2128% | 5,577 |
| Noncurrent loans to loans | 0.3874% | 4,965 |
| Net loans and leases to total assets | 54.1866% | 4,388 |
| Net loans and leases to deposits | 61.7561% | 4,575 |
| Net loans and leases to core deposits | 66.2625% | 4,468 |
| Total domestic deposits to total assets | 87.7430% | 2,388 |
| Equity capital to assets | 11.7192% | 2,089 |
| Core capital (leverage) ratio | 12.2192% | 1,523 |
| Tier 1 risk-based capital ratio | 18.1060% | 2,248 |
| Total risk-based capital ratio | 19.2521% | 2,276 |
| Memoranda: | ||
| Average total assets | $185,422,000 | 3,228 |
| Average earning assets | $177,747,000 | 3,129 |
| Average equity | $21,875,500 | 2,957 |
| Average total loans | $106,633,000 | 3,327 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5915% | 5,427 |
| Cost of funding earning assets | 0.2263% | 6,134 |
| Net interest margin | 3.3652% | 4,421 |
| Noninterest income to average assets | 0.2750% | 5,387 |
| Noninterest expense to average assets | 1.4941% | 6,578 |
| Loan and lease loss provision to assets | 0.1303% | 2,685 |
| Net operating income to assets | 1.3793% | 1,071 |
| Return on assets (ROA) | 1.5404% | 797 |
| Pretax return on assets | 2.1050% | 377 |
| Return on Equity (ROE) | 13.7089% | 1,014 |
| Retained earnings to average equity (ytd only) | 10.8349% | 443 |
| Net charge-offs to loans | -0.0063% | 5,952 |
| Credit loss provision to net charge-offs | -4,033.3333% | 6,362 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.5832% | 6,646 |
| Assets per employee ($millions) | 12.9951% | 117 |
| Cash dividends to net income (ytd only)* | 20.9644% | 3,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2063% | 4,627 |
| Loan loss allowance to noncurrent loans | 328.6070% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 0.2210% | 5,623 |
| Noncurrent loans to loans | 0.3671% | 5,085 |
| Net loans and leases to total assets | 59.4640% | 3,802 |
| Net loans and leases to deposits | 67.7624% | 4,088 |
| Net loans and leases to core deposits | 73.0425% | 3,937 |
| Total domestic deposits to total assets | 87.7537% | 2,332 |
| Equity capital to assets | 11.8792% | 1,880 |
| Core capital (leverage) ratio | 12.0104% | 1,604 |
| Tier 1 risk-based capital ratio | 16.2755% | 2,977 |
| Total risk-based capital ratio | 17.2597% | 3,044 |
| Memoranda: | ||
| Average total assets | $185,794,200 | 3,215 |
| Average earning assets | $178,533,800 | 3,090 |
| Average equity | $20,877,000 | 3,063 |
| Average total loans | $95,836,200 | 3,558 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5131% | 5,655 |
| Cost of funding earning assets | 0.2255% | 6,257 |
| Net interest margin | 3.2875% | 4,687 |
| Noninterest income to average assets | 0.2741% | 5,483 |
| Noninterest expense to average assets | 1.4928% | 6,645 |
| Loan and lease loss provision to assets | 0.1371% | 2,572 |
| Net operating income to assets | 1.3157% | 1,309 |
| Return on assets (ROA) | 1.5028% | 935 |
| Pretax return on assets | 2.0639% | 508 |
| Return on Equity (ROE) | 13.5629% | 1,109 |
| Retained earnings to average equity (ytd only) | 9.6970% | 855 |
| Net charge-offs to loans | -0.0087% | 5,862 |
| Credit loss provision to net charge-offs | -3,200.0000% | 6,322 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4268% | 6,672 |
| Assets per employee ($millions) | 14.1106% | 94 |
| Cash dividends to net income (ytd only)* | 28.5035% | 2,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3531% | 4,116 |
| Loan loss allowance to noncurrent loans | 316.1692% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.2191% | 5,791 |
| Noncurrent loans to loans | 0.4280% | 5,132 |
| Net loans and leases to total assets | 50.5146% | 5,077 |
| Net loans and leases to deposits | 57.2669% | 5,256 |
| Net loans and leases to core deposits | 61.4016% | 5,174 |
| Total domestic deposits to total assets | 88.2091% | 1,995 |
| Equity capital to assets | 11.3455% | 2,436 |
| Core capital (leverage) ratio | 11.7313% | 1,866 |
| Tier 1 risk-based capital ratio | 17.2465% | 2,611 |
| Total risk-based capital ratio | 18.2878% | 2,655 |
| Memoranda: | ||
| Average total assets | $186,759,750 | 3,231 |
| Average earning assets | $179,705,750 | 3,104 |
| Average equity | $20,693,250 | 3,113 |
| Average total loans | $92,419,000 | 3,661 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4391% | 5,815 |
| Cost of funding earning assets | 0.2271% | 6,327 |
| Net interest margin | 3.2119% | 4,902 |
| Noninterest income to average assets | 0.2917% | 5,369 |
| Noninterest expense to average assets | 1.5468% | 6,640 |
| Loan and lease loss provision to assets | 0.1831% | 2,070 |
| Net operating income to assets | 1.2107% | 1,570 |
| Return on assets (ROA) | 1.4734% | 1,022 |
| Pretax return on assets | 2.0227% | 579 |
| Return on Equity (ROE) | 13.4020% | 1,141 |
| Retained earnings to average equity (ytd only) | 10.6615% | 711 |
| Net charge-offs to loans | -0.0087% | 5,742 |
| Credit loss provision to net charge-offs | -4,300.0000% | 6,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5915% | 6,654 |
| Assets per employee ($millions) | 12.4809% | 121 |
| Cash dividends to net income (ytd only)* | 20.4480% | 2,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3228% | 4,389 |
| Loan loss allowance to noncurrent loans | 291.1422% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.2455% | 5,750 |
| Noncurrent loans to loans | 0.4543% | 5,129 |
| Net loans and leases to total assets | 53.3242% | 4,693 |
| Net loans and leases to deposits | 60.6036% | 4,905 |
| Net loans and leases to core deposits | 65.1050% | 4,780 |
| Total domestic deposits to total assets | 87.9885% | 2,249 |
| Equity capital to assets | 11.7219% | 2,110 |
| Core capital (leverage) ratio | 11.5144% | 1,924 |
| Tier 1 risk-based capital ratio | 16.7407% | 2,821 |
| Total risk-based capital ratio | 17.7529% | 2,891 |
| Memoranda: | ||
| Average total assets | $187,867,000 | 3,232 |
| Average earning assets | $181,385,670 | 3,099 |
| Average equity | $20,653,670 | 3,133 |
| Average total loans | $91,914,000 | 3,675 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2707% | 6,208 |
| Cost of funding earning assets | 0.2256% | 6,437 |
| Net interest margin | 3.0451% | 5,449 |
| Noninterest income to average assets | 0.3292% | 5,070 |
| Noninterest expense to average assets | 1.4565% | 6,776 |
| Loan and lease loss provision to assets | 0.3538% | 921 |
| Net operating income to assets | 1.0678% | 1,968 |
| Return on assets (ROA) | 1.4072% | 1,096 |
| Pretax return on assets | 1.9276% | 694 |
| Return on Equity (ROE) | 13.1922% | 1,118 |
| Retained earnings to average equity (ytd only) | 7.7340% | 1,847 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5003% | 6,752 |
| Assets per employee ($millions) | 13.5082% | 110 |
| Cash dividends to net income (ytd only)* | 41.3743% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4173% | 4,151 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 45.7917% | 5,458 |
| Net loans and leases to deposits | 51.8501% | 5,634 |
| Net loans and leases to core deposits | 54.8605% | 5,613 |
| Total domestic deposits to total assets | 88.3156% | 2,118 |
| Equity capital to assets | 11.0536% | 2,902 |
| Core capital (leverage) ratio | 10.7978% | 2,458 |
| Tier 1 risk-based capital ratio | 16.8295% | 2,842 |
| Total risk-based capital ratio | 17.8774% | 2,904 |
| Memoranda: | ||
| Average total assets | $194,434,000 | 3,167 |
| Average earning assets | $187,974,000 | 3,043 |
| Average equity | $20,739,500 | 3,171 |
| Average total loans | $90,659,000 | 3,735 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6241% | 6,181 |
| Cost of funding earning assets | 0.3283% | 6,320 |
| Net interest margin | 3.2958% | 5,260 |
| Noninterest income to average assets | 0.2235% | 5,841 |
| Noninterest expense to average assets | 1.4773% | 6,882 |
| Loan and lease loss provision to assets | 0.1106% | 4,251 |
| Net operating income to assets | 1.3426% | 1,210 |
| Return on assets (ROA) | 1.4642% | 1,096 |
| Pretax return on assets | 1.9646% | 645 |
| Return on Equity (ROE) | 12.8993% | 1,256 |
| Retained earnings to average equity (ytd only) | 5.0578% | 2,666 |
| Net charge-offs to loans | 0.5767% | 1,998 |
| Credit loss provision to net charge-offs | 39.5538% | 4,942 |
| Earnings coverage of net charge-offs (x) | 6.8398% | 2,723 |
| Efficiency ratio | 43.5743% | 6,860 |
| Assets per employee ($millions) | 14.2681% | 104 |
| Cash dividends to net income (ytd only)* | 60.7904% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1479% | 5,353 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 46.2576% | 5,587 |
| Net loans and leases to deposits | 51.9416% | 5,814 |
| Net loans and leases to core deposits | 54.6700% | 5,828 |
| Total domestic deposits to total assets | 89.0570% | 1,521 |
| Equity capital to assets | 10.3002% | 3,760 |
| Core capital (leverage) ratio | 10.9899% | 2,260 |
| Tier 1 risk-based capital ratio | 15.9834% | 3,175 |
| Total risk-based capital ratio | 16.8609% | 3,328 |
| Memoranda: | ||
| Average total assets | $176,269,000 | 3,360 |
| Average earning assets | $169,366,600 | 3,239 |
| Average equity | $20,008,800 | 3,204 |
| Average total loans | $85,491,200 | 3,864 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7489% | 6,132 |
| Cost of funding earning assets | 0.3639% | 6,309 |
| Net interest margin | 3.3850% | 5,081 |
| Noninterest income to average assets | 0.2261% | 5,935 |
| Noninterest expense to average assets | 1.4757% | 6,950 |
| Loan and lease loss provision to assets | 0.1174% | 4,082 |
| Net operating income to assets | 1.4008% | 1,220 |
| Return on assets (ROA) | 1.4992% | 1,136 |
| Pretax return on assets | 2.0125% | 689 |
| Return on Equity (ROE) | 12.8583% | 1,378 |
| Retained earnings to average equity (ytd only) | 11.4088% | 629 |
| Net charge-offs to loans | 0.7904% | 1,397 |
| Credit loss provision to net charge-offs | 30.3030% | 4,798 |
| Earnings coverage of net charge-offs (x) | 5.1556% | 3,095 |
| Efficiency ratio | 42.4966% | 6,947 |
| Assets per employee ($millions) | 12.8088% | 130 |
| Cash dividends to net income (ytd only)* | 11.2734% | 3,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2141% | 5,222 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 46.5523% | 5,706 |
| Net loans and leases to deposits | 53.1290% | 5,881 |
| Net loans and leases to core deposits | 56.8658% | 5,819 |
| Total domestic deposits to total assets | 87.6212% | 2,281 |
| Equity capital to assets | 11.6438% | 2,601 |
| Core capital (leverage) ratio | 11.1820% | 2,224 |
| Tier 1 risk-based capital ratio | 17.7775% | 2,432 |
| Total risk-based capital ratio | 18.6999% | 2,526 |
| Memoranda: | ||
| Average total assets | $170,398,000 | 3,480 |
| Average earning assets | $163,421,500 | 3,357 |
| Average equity | $19,867,250 | 3,258 |
| Average total loans | $83,495,500 | 3,975 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8322% | 6,064 |
| Cost of funding earning assets | 0.3896% | 6,330 |
| Net interest margin | 3.4426% | 4,913 |
| Noninterest income to average assets | 0.2341% | 5,894 |
| Noninterest expense to average assets | 1.5279% | 6,987 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.4959% | 998 |
| Return on assets (ROA) | 1.5111% | 1,094 |
| Pretax return on assets | 2.0200% | 670 |
| Return on Equity (ROE) | 12.9546% | 1,375 |
| Retained earnings to average equity (ytd only) | 10.7426% | 798 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3119% | 6,978 |
| Assets per employee ($millions) | 12.0354% | 144 |
| Cash dividends to net income (ytd only)* | 17.0751% | 3,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6433% | 3,446 |
| Loan loss allowance to noncurrent loans | 259.6591% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.3134% | 5,982 |
| Noncurrent loans to loans | 0.6329% | 5,242 |
| Net loans and leases to total assets | 48.7009% | 5,535 |
| Net loans and leases to deposits | 55.7853% | 5,676 |
| Net loans and leases to core deposits | 60.1099% | 5,575 |
| Total domestic deposits to total assets | 87.3006% | 2,594 |
| Equity capital to assets | 12.0448% | 2,118 |
| Core capital (leverage) ratio | 11.6929% | 1,791 |
| Tier 1 risk-based capital ratio | 17.3271% | 2,536 |
| Total risk-based capital ratio | 18.5615% | 2,507 |
| Memoranda: | ||
| Average total assets | $167,423,000 | 3,544 |
| Average earning assets | $160,170,330 | 3,424 |
| Average equity | $19,529,670 | 3,280 |
| Average total loans | $83,159,000 | 4,008 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8010% | 6,241 |
| Cost of funding earning assets | 0.4042% | 6,387 |
| Net interest margin | 3.3968% | 5,139 |
| Noninterest income to average assets | 0.2301% | 5,977 |
| Noninterest expense to average assets | 1.5388% | 7,025 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4579% | 1,105 |
| Return on assets (ROA) | 1.4884% | 1,164 |
| Pretax return on assets | 1.9750% | 769 |
| Return on Equity (ROE) | 12.9733% | 1,410 |
| Retained earnings to average equity (ytd only) | 8.4609% | 1,793 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3064% | 6,975 |
| Assets per employee ($millions) | 11.9166% | 151 |
| Cash dividends to net income (ytd only)* | 34.7826% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6167% | 3,658 |
| Loan loss allowance to noncurrent loans | 620.3620% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.1325% | 6,561 |
| Noncurrent loans to loans | 0.2606% | 6,169 |
| Net loans and leases to total assets | 50.0084% | 5,308 |
| Net loans and leases to deposits | 56.9461% | 5,494 |
| Net loans and leases to core deposits | 61.3903% | 5,392 |
| Total domestic deposits to total assets | 87.8171% | 2,445 |
| Equity capital to assets | 11.5230% | 2,421 |
| Core capital (leverage) ratio | 11.2416% | 2,081 |
| Tier 1 risk-based capital ratio | 16.9695% | 2,695 |
| Total risk-based capital ratio | 18.2194% | 2,651 |
| Memoranda: | ||
| Average total assets | $166,886,500 | 3,569 |
| Average earning assets | $159,326,500 | 3,448 |
| Average equity | $19,147,000 | 3,331 |
| Average total loans | $83,023,500 | 4,043 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8825% | 6,635 |
| Cost of funding earning assets | 0.5580% | 6,296 |
| Net interest margin | 3.3244% | 5,741 |
| Noninterest income to average assets | 0.2694% | 5,597 |
| Noninterest expense to average assets | 1.6275% | 7,100 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.3881% | 1,045 |
| Return on assets (ROA) | 1.4429% | 1,017 |
| Pretax return on assets | 1.8969% | 668 |
| Return on Equity (ROE) | 12.6717% | 1,239 |
| Retained earnings to average equity (ytd only) | 12.6717% | 252 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1429% | 6,992 |
| Assets per employee ($millions) | 11.9244% | 151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6875% | 3,244 |
| Loan loss allowance to noncurrent loans | 209.9541% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 0.3912% | 5,995 |
| Noncurrent loans to loans | 0.8037% | 5,084 |
| Net loans and leases to total assets | 47.8462% | 5,838 |
| Net loans and leases to deposits | 54.5721% | 6,017 |
| Net loans and leases to core deposits | 58.6122% | 5,963 |
| Total domestic deposits to total assets | 87.6753% | 2,353 |
| Equity capital to assets | 11.4232% | 2,572 |
| Core capital (leverage) ratio | 10.8554% | 2,393 |
| Tier 1 risk-based capital ratio | 17.2373% | 2,495 |
| Total risk-based capital ratio | 18.4881% | 2,464 |
| Memoranda: | ||
| Average total assets | $158,154,800 | 3,653 |
| Average earning assets | $151,423,600 | 3,563 |
| Average equity | $18,008,600 | 3,422 |
| Average total loans | $75,145,600 | 4,308 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8971% | 6,732 |
| Cost of funding earning assets | 0.5760% | 6,399 |
| Net interest margin | 3.3211% | 5,802 |
| Noninterest income to average assets | 0.2847% | 5,571 |
| Noninterest expense to average assets | 1.6705% | 7,122 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.3707% | 1,217 |
| Return on assets (ROA) | 1.4337% | 1,162 |
| Pretax return on assets | 1.8817% | 815 |
| Return on Equity (ROE) | 12.6016% | 1,387 |
| Retained earnings to average equity (ytd only) | 12.6016% | 420 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1518% | 6,955 |
| Assets per employee ($millions) | 11.6798% | 160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8041% | 2,929 |
| Loan loss allowance to noncurrent loans | 186.5306% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 0.4495% | 5,964 |
| Noncurrent loans to loans | 0.9672% | 4,952 |
| Net loans and leases to total assets | 45.6356% | 6,177 |
| Net loans and leases to deposits | 52.0068% | 6,365 |
| Net loans and leases to core deposits | 56.2374% | 6,296 |
| Total domestic deposits to total assets | 87.7493% | 2,195 |
| Equity capital to assets | 11.4771% | 2,699 |
| Core capital (leverage) ratio | 11.4705% | 2,040 |
| Tier 1 risk-based capital ratio | 17.6208% | 2,390 |
| Total risk-based capital ratio | 18.8716% | 2,361 |
| Memoranda: | ||
| Average total assets | $155,958,250 | 3,727 |
| Average earning assets | $149,544,000 | 3,611 |
| Average equity | $17,743,250 | 3,465 |
| Average total loans | $73,620,500 | 4,397 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9444% | 6,747 |
| Cost of funding earning assets | 0.6025% | 6,452 |
| Net interest margin | 3.3418% | 5,734 |
| Noninterest income to average assets | 0.2685% | 5,725 |
| Noninterest expense to average assets | 1.6736% | 7,204 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.3734% | 1,137 |
| Return on assets (ROA) | 1.4299% | 1,084 |
| Pretax return on assets | 1.8718% | 753 |
| Return on Equity (ROE) | 12.6077% | 1,306 |
| Retained earnings to average equity (ytd only) | 12.6077% | 435 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2163% | 7,046 |
| Assets per employee ($millions) | 10.7208% | 201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8323% | 2,884 |
| Loan loss allowance to noncurrent loans | 161.2941% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 0.5663% | 5,790 |
| Noncurrent loans to loans | 1.1360% | 4,763 |
| Net loans and leases to total assets | 48.9376% | 5,956 |
| Net loans and leases to deposits | 56.0827% | 6,131 |
| Net loans and leases to core deposits | 61.1043% | 5,989 |
| Total domestic deposits to total assets | 87.2597% | 2,594 |
| Equity capital to assets | 12.0860% | 2,039 |
| Core capital (leverage) ratio | 11.3662% | 1,999 |
| Tier 1 risk-based capital ratio | 17.7849% | 2,242 |
| Total risk-based capital ratio | 19.0367% | 2,198 |
| Memoranda: | ||
| Average total assets | $153,438,670 | 3,791 |
| Average earning assets | $147,045,330 | 3,666 |
| Average equity | $17,402,000 | 3,509 |
| Average total loans | $72,829,670 | 4,472 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9627% | 6,751 |
| Cost of funding earning assets | 0.6080% | 6,584 |
| Net interest margin | 3.3547% | 5,595 |
| Noninterest income to average assets | 0.2605% | 5,805 |
| Noninterest expense to average assets | 1.7381% | 7,199 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3344% | 1,190 |
| Return on assets (ROA) | 1.3900% | 1,124 |
| Pretax return on assets | 1.8103% | 797 |
| Return on Equity (ROE) | 12.6578% | 1,286 |
| Retained earnings to average equity (ytd only) | 12.6578% | 646 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0000% | 6,980 |
| Assets per employee ($millions) | 11.1604% | 185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9237% | 2,613 |
| Loan loss allowance to noncurrent loans | 280.9426% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.3123% | 6,418 |
| Noncurrent loans to loans | 0.6847% | 5,654 |
| Net loans and leases to total assets | 44.7352% | 6,405 |
| Net loans and leases to deposits | 50.6838% | 6,573 |
| Net loans and leases to core deposits | 54.9673% | 6,488 |
| Total domestic deposits to total assets | 88.2634% | 2,216 |
| Equity capital to assets | 11.0371% | 2,649 |
| Core capital (leverage) ratio | 11.0627% | 2,140 |
| Tier 1 risk-based capital ratio | 16.9211% | 2,511 |
| Total risk-based capital ratio | 18.1733% | 2,484 |
| Memoranda: | ||
| Average total assets | $155,112,500 | 3,790 |
| Average earning assets | $148,685,000 | 3,666 |
| Average equity | $17,033,000 | 3,558 |
| Average total loans | $71,833,500 | 4,549 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1475% | 6,992 |
| Cost of funding earning assets | 0.8116% | 6,515 |
| Net interest margin | 3.3358% | 5,850 |
| Noninterest income to average assets | 0.2529% | 5,990 |
| Noninterest expense to average assets | 1.6481% | 7,375 |
| Loan and lease loss provision to assets | 0.1862% | 5,368 |
| Net operating income to assets | 1.2132% | 1,383 |
| Return on assets (ROA) | 1.3103% | 1,214 |
| Pretax return on assets | 1.7442% | 864 |
| Return on Equity (ROE) | 11.7005% | 1,390 |
| Retained earnings to average equity (ytd only) | 11.7005% | 300 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7833% | 7,275 |
| Assets per employee ($millions) | 10.9985% | 197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8937% | 2,584 |
| Loan loss allowance to noncurrent loans | 164.9819% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 0.5397% | 5,953 |
| Noncurrent loans to loans | 1.1478% | 4,814 |
| Net loans and leases to total assets | 46.1284% | 6,546 |
| Net loans and leases to deposits | 52.2480% | 6,727 |
| Net loans and leases to core deposits | 56.4400% | 6,672 |
| Total domestic deposits to total assets | 88.2874% | 2,075 |
| Equity capital to assets | 10.9242% | 2,751 |
| Core capital (leverage) ratio | 10.3975% | 2,672 |
| Tier 1 risk-based capital ratio | 15.9728% | 2,767 |
| Total risk-based capital ratio | 17.2239% | 2,717 |
| Memoranda: | ||
| Average total assets | $153,020,200 | 3,826 |
| Average earning assets | $146,620,000 | 3,693 |
| Average equity | $17,136,000 | 3,570 |
| Average total loans | $72,923,400 | 4,571 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1629% | 7,137 |
| Cost of funding earning assets | 0.8379% | 6,623 |
| Net interest margin | 3.3250% | 5,941 |
| Noninterest income to average assets | 0.2601% | 6,041 |
| Noninterest expense to average assets | 1.6380% | 7,479 |
| Loan and lease loss provision to assets | 0.1178% | 5,850 |
| Net operating income to assets | 1.2613% | 1,438 |
| Return on assets (ROA) | 1.2907% | 1,437 |
| Pretax return on assets | 1.7262% | 1,062 |
| Return on Equity (ROE) | 11.4550% | 1,658 |
| Retained earnings to average equity (ytd only) | 11.4550% | 532 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5792% | 7,295 |
| Assets per employee ($millions) | 11.3674% | 191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6736% | 3,239 |
| Loan loss allowance to noncurrent loans | 68.4034% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 1.1216% | 4,871 |
| Noncurrent loans to loans | 2.4467% | 3,180 |
| Net loans and leases to total assets | 45.0758% | 6,768 |
| Net loans and leases to deposits | 51.2440% | 6,930 |
| Net loans and leases to core deposits | 56.0649% | 6,852 |
| Total domestic deposits to total assets | 87.9630% | 1,983 |
| Equity capital to assets | 10.9367% | 3,017 |
| Core capital (leverage) ratio | 10.2767% | 2,946 |
| Tier 1 risk-based capital ratio | 15.1857% | 3,165 |
| Total risk-based capital ratio | 16.3387% | 3,199 |
| Memoranda: | ||
| Average total assets | $152,780,500 | 3,883 |
| Average earning assets | $146,240,000 | 3,745 |
| Average equity | $17,214,750 | 3,604 |
| Average total loans | $73,054,500 | 4,637 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1944% | 7,177 |
| Cost of funding earning assets | 0.8505% | 6,758 |
| Net interest margin | 3.3439% | 5,855 |
| Noninterest income to average assets | 0.2615% | 6,045 |
| Noninterest expense to average assets | 1.6554% | 7,532 |
| Loan and lease loss provision to assets | 0.1195% | 5,702 |
| Net operating income to assets | 1.2598% | 1,401 |
| Return on assets (ROA) | 1.2797% | 1,417 |
| Pretax return on assets | 1.7125% | 1,038 |
| Return on Equity (ROE) | 11.2411% | 1,674 |
| Retained earnings to average equity (ytd only) | 11.2411% | 608 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8328% | 7,358 |
| Assets per employee ($millions) | 10.8826% | 208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5893% | 3,496 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 47.7937% | 6,636 |
| Net loans and leases to deposits | 54.6153% | 6,820 |
| Net loans and leases to core deposits | 59.4255% | 6,749 |
| Total domestic deposits to total assets | 87.5096% | 2,248 |
| Equity capital to assets | 11.5229% | 2,424 |
| Core capital (leverage) ratio | 10.8746% | 2,345 |
| Tier 1 risk-based capital ratio | 15.1864% | 3,066 |
| Total risk-based capital ratio | 16.2810% | 3,112 |
| Memoranda: | ||
| Average total assets | $150,659,670 | 3,940 |
| Average earning assets | $144,143,000 | 3,815 |
| Average equity | $17,151,330 | 3,610 |
| Average total loans | $73,087,330 | 4,675 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1447% | 7,333 |
| Cost of funding earning assets | 0.8668% | 6,882 |
| Net interest margin | 3.2778% | 6,057 |
| Noninterest income to average assets | 0.2697% | 6,001 |
| Noninterest expense to average assets | 1.6581% | 7,611 |
| Loan and lease loss provision to assets | 0.1202% | 5,387 |
| Net operating income to assets | 1.2262% | 1,473 |
| Return on assets (ROA) | 1.2522% | 1,474 |
| Pretax return on assets | 1.6661% | 1,130 |
| Return on Equity (ROE) | 11.0685% | 1,769 |
| Retained earnings to average equity (ytd only) | 11.0685% | 905 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6296% | 7,398 |
| Assets per employee ($millions) | 10.5996% | 225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5418% | 3,692 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 48.6694% | 6,607 |
| Net loans and leases to deposits | 55.6430% | 6,801 |
| Net loans and leases to core deposits | 61.1608% | 6,662 |
| Total domestic deposits to total assets | 87.4672% | 2,375 |
| Equity capital to assets | 11.5462% | 2,326 |
| Core capital (leverage) ratio | 10.6915% | 2,456 |
| Tier 1 risk-based capital ratio | 14.8913% | 3,158 |
| Total risk-based capital ratio | 15.9549% | 3,223 |
| Memoranda: | ||
| Average total assets | $149,811,000 | 4,010 |
| Average earning assets | $143,510,000 | 3,876 |
| Average equity | $16,949,000 | 3,665 |
| Average total loans | $72,634,500 | 4,760 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2748% | 7,567 |
| Cost of funding earning assets | 1.1755% | 6,750 |
| Net interest margin | 3.0993% | 6,375 |
| Noninterest income to average assets | 0.2776% | 6,113 |
| Noninterest expense to average assets | 1.7670% | 7,641 |
| Loan and lease loss provision to assets | 0.1252% | 6,388 |
| Net operating income to assets | 1.0426% | 1,696 |
| Return on assets (ROA) | 1.1381% | 1,443 |
| Pretax return on assets | 1.4609% | 1,286 |
| Return on Equity (ROE) | 10.6336% | 1,512 |
| Retained earnings to average equity (ytd only) | 10.6336% | 310 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6942% | 7,158 |
| Assets per employee ($millions) | 10.8019% | 217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5101% | 3,666 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 46.8362% | 6,908 |
| Net loans and leases to deposits | 53.2021% | 7,102 |
| Net loans and leases to core deposits | 63.6608% | 7,108 |
| Total domestic deposits to total assets | 88.0345% | 1,960 |
| Equity capital to assets | 11.0853% | 2,640 |
| Core capital (leverage) ratio | 9.9431% | 3,146 |
| Tier 1 risk-based capital ratio | 14.4789% | 3,222 |
| Total risk-based capital ratio | 15.5030% | 3,298 |
| Memoranda: | ||
| Average total assets | $143,743,200 | 4,047 |
| Average earning assets | $136,966,000 | 3,957 |
| Average equity | $15,385,200 | 3,996 |
| Average total loans | $66,096,000 | 5,013 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3110% | 7,668 |
| Cost of funding earning assets | 1.2132% | 6,852 |
| Net interest margin | 3.0978% | 6,318 |
| Noninterest income to average assets | 0.3646% | 5,583 |
| Noninterest expense to average assets | 1.7668% | 7,694 |
| Loan and lease loss provision to assets | 0.1269% | 6,078 |
| Net operating income to assets | 1.1154% | 1,691 |
| Return on assets (ROA) | 1.1221% | 1,732 |
| Pretax return on assets | 1.4285% | 1,627 |
| Return on Equity (ROE) | 10.5845% | 1,737 |
| Retained earnings to average equity (ytd only) | 10.5845% | 535 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3182% | 7,306 |
| Assets per employee ($millions) | 10.8569% | 220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5397% | 3,229 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 43.7959% | 7,258 |
| Net loans and leases to deposits | 49.6036% | 7,425 |
| Net loans and leases to core deposits | 61.1282% | 7,361 |
| Total domestic deposits to total assets | 88.2918% | 1,521 |
| Equity capital to assets | 10.6825% | 3,309 |
| Core capital (leverage) ratio | 9.9218% | 3,374 |
| Tier 1 risk-based capital ratio | 14.5695% | 3,239 |
| Total risk-based capital ratio | 15.5900% | 3,302 |
| Memoranda: | ||
| Average total assets | $141,872,250 | 4,098 |
| Average earning assets | $135,061,500 | 4,022 |
| Average equity | $15,040,500 | 4,088 |
| Average total loans | $64,641,250 | 5,119 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3668% | 7,737 |
| Cost of funding earning assets | 1.2646% | 6,912 |
| Net interest margin | 3.1022% | 6,232 |
| Noninterest income to average assets | 0.3134% | 6,002 |
| Noninterest expense to average assets | 1.7285% | 7,803 |
| Loan and lease loss provision to assets | 0.1300% | 5,800 |
| Net operating income to assets | 1.1103% | 1,738 |
| Return on assets (ROA) | 1.1206% | 1,781 |
| Pretax return on assets | 1.4152% | 1,682 |
| Return on Equity (ROE) | 10.5999% | 1,824 |
| Retained earnings to average equity (ytd only) | 10.5999% | 627 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0115% | 7,433 |
| Assets per employee ($millions) | 10.2515% | 245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5500% | 2,952 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 44.0800% | 7,320 |
| Net loans and leases to deposits | 49.7907% | 7,493 |
| Net loans and leases to core deposits | 62.4688% | 7,363 |
| Total domestic deposits to total assets | 88.5306% | 1,514 |
| Equity capital to assets | 10.6577% | 3,243 |
| Core capital (leverage) ratio | 10.0326% | 3,260 |
| Tier 1 risk-based capital ratio | 14.7157% | 3,138 |
| Total risk-based capital ratio | 15.7305% | 3,202 |
| Memoranda: | ||
| Average total assets | $138,497,670 | 4,204 |
| Average earning assets | $131,583,000 | 4,109 |
| Average equity | $14,641,670 | 4,175 |
| Average total loans | $63,652,000 | 5,188 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4162% | 7,789 |
| Cost of funding earning assets | 1.2936% | 7,030 |
| Net interest margin | 3.1226% | 6,134 |
| Noninterest income to average assets | 0.2971% | 6,061 |
| Noninterest expense to average assets | 1.7149% | 7,807 |
| Loan and lease loss provision to assets | 0.1324% | 5,267 |
| Net operating income to assets | 1.1284% | 1,872 |
| Return on assets (ROA) | 1.1354% | 1,964 |
| Pretax return on assets | 1.4266% | 1,891 |
| Return on Equity (ROE) | 10.7863% | 2,032 |
| Retained earnings to average equity (ytd only) | 10.7863% | 1,011 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5225% | 7,361 |
| Assets per employee ($millions) | 9.5439% | 306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5846% | 2,580 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 44.2039% | 7,321 |
| Net loans and leases to deposits | 50.1409% | 7,486 |
| Net loans and leases to core deposits | 64.4926% | 7,298 |
| Total domestic deposits to total assets | 88.1593% | 1,677 |
| Equity capital to assets | 11.0025% | 2,956 |
| Core capital (leverage) ratio | 10.3443% | 3,073 |
| Tier 1 risk-based capital ratio | 16.0863% | 2,660 |
| Total risk-based capital ratio | 17.1757% | 2,656 |
| Memoranda: | ||
| Average total assets | $135,986,000 | 4,285 |
| Average earning assets | $129,252,000 | 4,169 |
| Average equity | $14,314,500 | 4,264 |
| Average total loans | $63,348,000 | 5,234 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9092% | 7,895 |
| Cost of funding earning assets | 1.8260% | 6,940 |
| Net interest margin | 3.0833% | 6,696 |
| Noninterest income to average assets | 0.2646% | 6,562 |
| Noninterest expense to average assets | 1.7002% | 7,867 |
| Loan and lease loss provision to assets | 0.1414% | 5,542 |
| Net operating income to assets | 1.0641% | 2,283 |
| Return on assets (ROA) | 1.0939% | 2,086 |
| Pretax return on assets | 1.3860% | 2,011 |
| Return on Equity (ROE) | 10.6924% | 2,017 |
| Retained earnings to average equity (ytd only) | 10.6924% | 364 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2989% | 7,350 |
| Assets per employee ($millions) | 9.8826% | 271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3587% | 3,430 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 47.5408% | 7,219 |
| Net loans and leases to deposits | 56.5976% | 7,282 |
| Net loans and leases to core deposits | 69.7748% | 7,203 |
| Total domestic deposits to total assets | 83.9979% | 3,321 |
| Equity capital to assets | 10.0667% | 3,955 |
| Core capital (leverage) ratio | 10.2558% | 3,212 |
| Tier 1 risk-based capital ratio | 16.0879% | 2,632 |
| Total risk-based capital ratio | 17.1551% | 2,642 |
| Memoranda: | ||
| Average total assets | $127,340,600 | 4,341 |
| Average earning assets | $120,813,800 | 4,235 |
| Average equity | $13,028,000 | 4,567 |
| Average total loans | $59,305,600 | 5,300 |