Home > Delta National Bank and Trust Company > Performance and Condition Ratios
Delta National Bank and Trust Company, Performance and Condition Ratios
| 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 | 3.9736% | 3,895 |
| Cost of funding earning assets | 1.0083% | 3,010 |
| Net interest margin | 2.9652% | 3,410 |
| Noninterest income to average assets | 2.2900% | 251 |
| Noninterest expense to average assets | 3.7145% | 441 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2069% | 1,781 |
| Return on assets (ROA) | 1.2069% | 1,767 |
| Pretax return on assets | 1.4076% | 1,762 |
| Return on Equity (ROE) | 8.4200% | 3,080 |
| Retained earnings to average equity (ytd only) | 8.4233% | 1,832 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.5184% | 1,513 |
| Assets per employee ($millions) | 7.0183% | 1,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0938% | 4,476 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 13.7100% | 4,463 |
| Net loans and leases to deposits | 31.9622% | 4,354 |
| Net loans and leases to core deposits | 46.3050% | 4,120 |
| Total domestic deposits to total assets | 42.9000% | 4,514 |
| Equity capital to assets | 15.1487% | 519 |
| Core capital (leverage) ratio | 18.7855% | 310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $373,947,500 | 2,110 |
| Average earning assets | $356,881,250 | 2,052 |
| Average equity | $53,580,250 | 1,516 |
| Average total loans | $59,162,000 | 3,728 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2233% | 3,249 |
| Cost of funding earning assets | 0.9668% | 2,716 |
| Net interest margin | 3.2565% | 2,852 |
| Noninterest income to average assets | 2.3100% | 213 |
| Noninterest expense to average assets | 3.8897% | 369 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1312% | 2,032 |
| Return on assets (ROA) | 1.1312% | 2,029 |
| Pretax return on assets | 1.5090% | 1,583 |
| Return on Equity (ROE) | 8.0400% | 3,222 |
| Retained earnings to average equity (ytd only) | 8.0435% | 1,947 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 72.0491% | 1,557 |
| Assets per employee ($millions) | 5.6899% | 2,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0855% | 4,512 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 18.5600% | 4,467 |
| Net loans and leases to deposits | 25.0617% | 4,445 |
| Net loans and leases to core deposits | 38.5552% | 4,283 |
| Total domestic deposits to total assets | 74.0700% | 4,189 |
| Equity capital to assets | 18.2693% | 333 |
| Core capital (leverage) ratio | 14.6477% | 639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $376,947,000 | 2,095 |
| Average earning assets | $357,869,333 | 2,057 |
| Average equity | $53,012,000 | 1,525 |
| Average total loans | $62,187,333 | 3,686 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7656% | 3,915 |
| Cost of funding earning assets | 0.8484% | 2,543 |
| Net interest margin | 2.9172% | 3,766 |
| Noninterest income to average assets | 2.0400% | 225 |
| Noninterest expense to average assets | 3.3668% | 636 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0798% | 2,287 |
| Return on assets (ROA) | 1.0798% | 2,257 |
| Pretax return on assets | 1.4401% | 1,790 |
| Return on Equity (ROE) | 8.5900% | 3,158 |
| Retained earnings to average equity (ytd only) | 8.5881% | 2,060 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.0419% | 1,747 |
| Assets per employee ($millions) | 8.4251% | 1,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0731% | 4,574 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 14.4000% | 4,555 |
| Net loans and leases to deposits | 17.5929% | 4,552 |
| Net loans and leases to core deposits | 22.7810% | 4,520 |
| Total domestic deposits to total assets | 81.8300% | 3,505 |
| Equity capital to assets | 11.8828% | 1,034 |
| Core capital (leverage) ratio | 13.2689% | 891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $417,484,000 | 1,982 |
| Average earning assets | $395,579,500 | 1,948 |
| Average equity | $52,491,000 | 1,548 |
| Average total loans | $65,796,000 | 3,667 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1280% | 4,589 |
| Cost of funding earning assets | 0.4291% | 1,864 |
| Net interest margin | 1.6989% | 4,608 |
| Noninterest income to average assets | 2.1300% | 229 |
| Noninterest expense to average assets | 3.6520% | 432 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.0688% | 4,533 |
| Return on assets (ROA) | 0.0604% | 4,522 |
| Pretax return on assets | 0.0933% | 4,505 |
| Return on Equity (ROE) | 0.4700% | 4,521 |
| Retained earnings to average equity (ytd only) | 0.4748% | 4,279 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 97.2019% | 179 |
| Assets per employee ($millions) | 7.3291% | 1,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0699% | 4,600 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 17.3000% | 4,564 |
| Net loans and leases to deposits | 21.6432% | 4,561 |
| Net loans and leases to core deposits | 29.6497% | 4,487 |
| Total domestic deposits to total assets | 79.9500% | 3,884 |
| Equity capital to assets | 13.3668% | 650 |
| Core capital (leverage) ratio | 14.4915% | 639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $404,274,600 | 2,015 |
| Average earning assets | $387,833,200 | 1,956 |
| Average equity | $51,394,000 | 1,582 |
| Average total loans | $90,451,000 | 3,284 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7142% | 4,646 |
| Cost of funding earning assets | 0.3193% | 1,962 |
| Net interest margin | 1.3948% | 4,652 |
| Noninterest income to average assets | 2.2200% | 236 |
| Noninterest expense to average assets | 3.7403% | 395 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | -0.1599% | 4,639 |
| Return on assets (ROA) | -0.1728% | 4,620 |
| Pretax return on assets | -0.1871% | 4,616 |
| Return on Equity (ROE) | -1.3800% | 4,600 |
| Retained earnings to average equity (ytd only) | -1.3759% | 4,450 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 104.8526% | 123 |
| Assets per employee ($millions) | 6.3115% | 2,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0605% | 4,644 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 23.2000% | 4,557 |
| Net loans and leases to deposits | 31.6756% | 4,472 |
| Net loans and leases to core deposits | 48.1612% | 4,022 |
| Total domestic deposits to total assets | 73.2400% | 4,473 |
| Equity capital to assets | 15.2904% | 427 |
| Core capital (leverage) ratio | 13.9057% | 702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $408,233,250 | 2,014 |
| Average earning assets | $393,726,000 | 1,949 |
| Average equity | $51,262,000 | 1,612 |
| Average total loans | $96,248,250 | 3,219 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3522% | 4,721 |
| Cost of funding earning assets | 0.2311% | 2,488 |
| Net interest margin | 1.1211% | 4,720 |
| Noninterest income to average assets | 2.0332% | 229 |
| Noninterest expense to average assets | 3.5813% | 401 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.3750% | 4,666 |
| Return on assets (ROA) | -0.3909% | 4,645 |
| Pretax return on assets | -0.4875% | 4,653 |
| Return on Equity (ROE) | -3.2982% | 4,649 |
| Retained earnings to average equity (ytd only) | -3.2982% | 4,471 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.0193% | 94 |
| Assets per employee ($millions) | 8.6501% | 1,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0453% | 4,716 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 21.0557% | 4,643 |
| Net loans and leases to deposits | 33.6965% | 4,453 |
| Net loans and leases to core deposits | 48.1973% | 4,016 |
| Total domestic deposits to total assets | 62.4861% | 4,676 |
| Equity capital to assets | 10.3153% | 1,530 |
| Core capital (leverage) ratio | 12.0265% | 1,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $432,807,333 | 1,926 |
| Average earning assets | $417,089,667 | 1,893 |
| Average equity | $51,300,000 | 1,648 |
| Average total loans | $102,447,000 | 3,152 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1844% | 4,752 |
| Cost of funding earning assets | 0.1768% | 3,126 |
| Net interest margin | 1.0076% | 4,752 |
| Noninterest income to average assets | 2.1704% | 209 |
| Noninterest expense to average assets | 3.7628% | 326 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.4748% | 4,700 |
| Return on assets (ROA) | -0.4748% | 4,690 |
| Pretax return on assets | -0.6188% | 4,693 |
| Return on Equity (ROE) | -3.7112% | 4,681 |
| Retained earnings to average equity (ytd only) | -3.7112% | 4,354 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.6840% | 88 |
| Assets per employee ($millions) | 7.8186% | 1,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0433% | 4,743 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 24.3519% | 4,609 |
| Net loans and leases to deposits | 32.5229% | 4,480 |
| Net loans and leases to core deposits | 45.3062% | 4,103 |
| Total domestic deposits to total assets | 74.8760% | 4,543 |
| Equity capital to assets | 11.5020% | 1,123 |
| Core capital (leverage) ratio | 12.8048% | 816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $402,683,500 | 2,042 |
| Average earning assets | $389,060,500 | 1,992 |
| Average equity | $51,520,000 | 1,696 |
| Average total loans | $101,739,000 | 3,160 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3838% | 4,757 |
| Cost of funding earning assets | 0.1335% | 4,126 |
| Net interest margin | 1.2503% | 4,754 |
| Noninterest income to average assets | 2.7613% | 202 |
| Noninterest expense to average assets | 4.4633% | 220 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | -0.4972% | 4,762 |
| Return on assets (ROA) | -0.4972% | 4,766 |
| Pretax return on assets | -0.4931% | 4,762 |
| Return on Equity (ROE) | -3.2385% | 4,755 |
| Retained earnings to average equity (ytd only) | -3.2385% | 4,664 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.4206% | 88 |
| Assets per employee ($millions) | 6.3106% | 2,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0495% | 4,778 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 26.3708% | 4,620 |
| Net loans and leases to deposits | 34.0288% | 4,528 |
| Net loans and leases to core deposits | 47.9185% | 4,096 |
| Total domestic deposits to total assets | 77.4954% | 4,435 |
| Equity capital to assets | 14.3951% | 600 |
| Core capital (leverage) ratio | 14.8018% | 492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $340,891,800 | 2,240 |
| Average earning assets | $329,604,800 | 2,191 |
| Average equity | $52,339,200 | 1,695 |
| Average total loans | $113,494,000 | 3,017 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4292% | 4,837 |
| Cost of funding earning assets | 0.1292% | 4,271 |
| Net interest margin | 1.2999% | 4,829 |
| Noninterest income to average assets | 2.8190% | 214 |
| Noninterest expense to average assets | 5.1327% | 170 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -0.7829% | 4,850 |
| Return on assets (ROA) | -0.7829% | 4,853 |
| Pretax return on assets | -1.0569% | 4,862 |
| Return on Equity (ROE) | -5.0152% | 4,844 |
| Retained earnings to average equity (ytd only) | -5.0152% | 4,781 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.9317% | 63 |
| Assets per employee ($millions) | 5.6756% | 3,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0417% | 4,858 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 33.6161% | 4,483 |
| Net loans and leases to deposits | 45.1142% | 4,273 |
| Net loans and leases to core deposits | 64.1695% | 3,122 |
| Total domestic deposits to total assets | 74.5135% | 4,616 |
| Equity capital to assets | 15.3821% | 482 |
| Core capital (leverage) ratio | 15.9233% | 394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $336,188,500 | 2,281 |
| Average earning assets | $325,032,500 | 2,232 |
| Average equity | $52,479,000 | 1,712 |
| Average total loans | $118,141,500 | 3,007 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4397% | 4,873 |
| Cost of funding earning assets | 0.1236% | 4,411 |
| Net interest margin | 1.3161% | 4,864 |
| Noninterest income to average assets | 2.7668% | 213 |
| Noninterest expense to average assets | 5.2740% | 162 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.9167% | 4,895 |
| Return on assets (ROA) | -0.9167% | 4,897 |
| Pretax return on assets | -1.2358% | 4,904 |
| Return on Equity (ROE) | -5.8444% | 4,885 |
| Retained earnings to average equity (ytd only) | -5.8444% | 4,802 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 130.6017% | 57 |
| Assets per employee ($millions) | 5.0854% | 3,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0400% | 4,896 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 38.4744% | 4,366 |
| Net loans and leases to deposits | 50.9427% | 4,051 |
| Net loans and leases to core deposits | 75.3740% | 2,297 |
| Total domestic deposits to total assets | 75.5248% | 4,588 |
| Equity capital to assets | 17.0235% | 324 |
| Core capital (leverage) ratio | 16.2562% | 354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $336,630,333 | 2,273 |
| Average earning assets | $325,207,667 | 2,220 |
| Average equity | $52,802,333 | 1,698 |
| Average total loans | $119,983,667 | 3,005 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4085% | 4,912 |
| Cost of funding earning assets | 0.1185% | 4,529 |
| Net interest margin | 1.2901% | 4,897 |
| Noninterest income to average assets | 2.5836% | 257 |
| Noninterest expense to average assets | 4.6359% | 197 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.5891% | 4,902 |
| Return on assets (ROA) | -0.5891% | 4,903 |
| Pretax return on assets | -0.8037% | 4,916 |
| Return on Equity (ROE) | -3.8999% | 4,892 |
| Retained earnings to average equity (ytd only) | -3.8999% | 4,646 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.9716% | 70 |
| Assets per employee ($millions) | 5.2412% | 3,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0397% | 4,925 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 36.4371% | 4,483 |
| Net loans and leases to deposits | 48.5529% | 4,239 |
| Net loans and leases to core deposits | 67.3763% | 3,123 |
| Total domestic deposits to total assets | 75.0462% | 4,623 |
| Equity capital to assets | 16.2993% | 361 |
| Core capital (leverage) ratio | 14.7611% | 520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $352,383,000 | 2,177 |
| Average earning assets | $341,065,000 | 2,120 |
| Average equity | $53,232,000 | 1,672 |
| Average total loans | $121,254,500 | 3,003 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8293% | 4,925 |
| Cost of funding earning assets | 0.2235% | 4,494 |
| Net interest margin | 1.6058% | 4,908 |
| Noninterest income to average assets | 2.5187% | 238 |
| Noninterest expense to average assets | 4.6825% | 227 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | -0.4609% | 4,875 |
| Return on assets (ROA) | -0.4609% | 4,884 |
| Pretax return on assets | -0.6076% | 4,891 |
| Return on Equity (ROE) | -3.0927% | 4,868 |
| Retained earnings to average equity (ytd only) | -3.0927% | 4,767 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.9100% | 98 |
| Assets per employee ($millions) | 6.1260% | 2,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0379% | 4,945 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 32.6507% | 4,690 |
| Net loans and leases to deposits | 46.2231% | 4,455 |
| Net loans and leases to core deposits | 63.2456% | 3,752 |
| Total domestic deposits to total assets | 70.6372% | 4,760 |
| Equity capital to assets | 14.0856% | 775 |
| Core capital (leverage) ratio | 15.1011% | 496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $365,550,800 | 1,981 |
| Average earning assets | $354,287,600 | 1,919 |
| Average equity | $54,482,600 | 1,571 |
| Average total loans | $133,037,200 | 2,828 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9398% | 4,970 |
| Cost of funding earning assets | 0.2564% | 4,489 |
| Net interest margin | 1.6834% | 4,946 |
| Noninterest income to average assets | 2.5739% | 228 |
| Noninterest expense to average assets | 5.0078% | 188 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -0.6011% | 4,911 |
| Return on assets (ROA) | -0.6011% | 4,914 |
| Pretax return on assets | -0.8015% | 4,924 |
| Return on Equity (ROE) | -3.9759% | 4,903 |
| Retained earnings to average equity (ytd only) | -3.9759% | 4,817 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.0543% | 80 |
| Assets per employee ($millions) | 5.3251% | 2,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0324% | 4,982 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 43.9275% | 4,421 |
| Net loans and leases to deposits | 56.0131% | 4,259 |
| Net loans and leases to core deposits | 78.0943% | 2,998 |
| Total domestic deposits to total assets | 78.4238% | 4,135 |
| Equity capital to assets | 16.2212% | 442 |
| Core capital (leverage) ratio | 15.3170% | 490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $361,985,000 | 1,970 |
| Average earning assets | $351,032,250 | 1,918 |
| Average equity | $54,728,500 | 1,559 |
| Average total loans | $135,281,750 | 2,811 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0284% | 5,015 |
| Cost of funding earning assets | 0.3063% | 4,456 |
| Net interest margin | 1.7221% | 4,995 |
| Noninterest income to average assets | 2.5491% | 220 |
| Noninterest expense to average assets | 4.4295% | 271 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -0.1583% | 4,852 |
| Return on assets (ROA) | -0.1583% | 4,852 |
| Pretax return on assets | -0.2083% | 4,853 |
| Return on Equity (ROE) | -1.0704% | 4,847 |
| Retained earnings to average equity (ytd only) | -1.0704% | 4,488 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.9339% | 138 |
| Assets per employee ($millions) | 5.3428% | 2,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0331% | 5,014 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 40.8323% | 4,575 |
| Net loans and leases to deposits | 61.2237% | 4,057 |
| Net loans and leases to core deposits | 87.7471% | 2,273 |
| Total domestic deposits to total assets | 66.6936% | 4,872 |
| Equity capital to assets | 15.8066% | 491 |
| Core capital (leverage) ratio | 14.4286% | 669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $372,595,000 | 1,914 |
| Average earning assets | $361,768,667 | 1,848 |
| Average equity | $55,119,667 | 1,524 |
| Average total loans | $132,017,000 | 2,839 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1883% | 5,072 |
| Cost of funding earning assets | 0.3982% | 4,366 |
| Net interest margin | 1.7901% | 5,051 |
| Noninterest income to average assets | 2.7047% | 174 |
| Noninterest expense to average assets | 4.2798% | 379 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.1225% | 4,630 |
| Return on assets (ROA) | 0.1225% | 4,636 |
| Pretax return on assets | 0.1661% | 4,603 |
| Return on Equity (ROE) | 0.8546% | 4,646 |
| Retained earnings to average equity (ytd only) | 0.8546% | 3,778 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2634% | 319 |
| Assets per employee ($millions) | 6.1509% | 1,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0351% | 5,060 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 34.5579% | 4,819 |
| Net loans and leases to deposits | 48.5387% | 4,642 |
| Net loans and leases to core deposits | 64.4887% | 4,146 |
| Total domestic deposits to total assets | 71.1966% | 4,807 |
| Equity capital to assets | 14.2705% | 975 |
| Core capital (leverage) ratio | 15.5212% | 599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $385,253,000 | 1,822 |
| Average earning assets | $374,721,500 | 1,765 |
| Average equity | $55,233,000 | 1,517 |
| Average total loans | $127,101,000 | 2,866 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5923% | 5,118 |
| Cost of funding earning assets | 0.6585% | 3,371 |
| Net interest margin | 1.9338% | 5,101 |
| Noninterest income to average assets | 2.8485% | 162 |
| Noninterest expense to average assets | 4.3149% | 371 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.3063% | 4,741 |
| Return on assets (ROA) | 0.3063% | 4,771 |
| Pretax return on assets | 0.4105% | 4,692 |
| Return on Equity (ROE) | 2.0778% | 4,788 |
| Retained earnings to average equity (ytd only) | 2.0778% | 3,961 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3123% | 304 |
| Assets per employee ($millions) | 6.1752% | 1,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0391% | 5,118 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 31.3936% | 4,949 |
| Net loans and leases to deposits | 42.8554% | 4,852 |
| Net loans and leases to core deposits | 53.6059% | 4,657 |
| Total domestic deposits to total assets | 73.2546% | 4,813 |
| Equity capital to assets | 14.3819% | 971 |
| Core capital (leverage) ratio | 15.6950% | 561 |
| Tier 1 risk-based capital ratio | 25.4921% | 717 |
| Total risk-based capital ratio | 25.5139% | 790 |
| Memoranda: | ||
| Average total assets | $369,279,000 | 1,849 |
| Average earning assets | $358,404,800 | 1,785 |
| Average equity | $54,432,800 | 1,484 |
| Average total loans | $116,791,800 | 2,980 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6561% | 5,200 |
| Cost of funding earning assets | 0.7117% | 3,152 |
| Net interest margin | 1.9444% | 5,187 |
| Noninterest income to average assets | 2.9167% | 161 |
| Noninterest expense to average assets | 4.4406% | 317 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.2682% | 4,883 |
| Return on assets (ROA) | 0.2682% | 4,896 |
| Pretax return on assets | 0.3626% | 4,845 |
| Return on Equity (ROE) | 1.8080% | 4,925 |
| Retained earnings to average equity (ytd only) | 1.8080% | 4,339 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4513% | 260 |
| Assets per employee ($millions) | 6.7056% | 1,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0391% | 5,194 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 29.3521% | 5,061 |
| Net loans and leases to deposits | 42.6039% | 4,946 |
| Net loans and leases to core deposits | 54.0056% | 4,742 |
| Total domestic deposits to total assets | 68.8953% | 5,033 |
| Equity capital to assets | 13.3656% | 1,428 |
| Core capital (leverage) ratio | 15.7824% | 587 |
| Tier 1 risk-based capital ratio | 28.2776% | 554 |
| Total risk-based capital ratio | 28.3019% | 623 |
| Memoranda: | ||
| Average total assets | $365,883,250 | 1,875 |
| Average earning assets | $354,993,750 | 1,809 |
| Average equity | $54,275,250 | 1,486 |
| Average total loans | $115,929,500 | 3,022 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7504% | 5,250 |
| Cost of funding earning assets | 0.7632% | 2,835 |
| Net interest margin | 1.9871% | 5,241 |
| Noninterest income to average assets | 2.9184% | 161 |
| Noninterest expense to average assets | 4.5144% | 298 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.2435% | 4,946 |
| Return on assets (ROA) | 0.2435% | 4,959 |
| Pretax return on assets | 0.3283% | 4,905 |
| Return on Equity (ROE) | 1.5810% | 4,997 |
| Retained earnings to average equity (ytd only) | 1.5810% | 4,261 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2205% | 251 |
| Assets per employee ($millions) | 6.9244% | 1,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0472% | 5,245 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 24.3807% | 5,172 |
| Net loans and leases to deposits | 36.0776% | 5,107 |
| Net loans and leases to core deposits | 45.7354% | 4,966 |
| Total domestic deposits to total assets | 67.5785% | 5,119 |
| Equity capital to assets | 13.3055% | 1,439 |
| Core capital (leverage) ratio | 17.2772% | 401 |
| Tier 1 risk-based capital ratio | 28.7725% | 527 |
| Total risk-based capital ratio | 28.7974% | 570 |
| Memoranda: | ||
| Average total assets | $351,496,330 | 1,931 |
| Average earning assets | $340,387,000 | 1,867 |
| Average equity | $54,143,330 | 1,483 |
| Average total loans | $114,536,000 | 3,062 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0326% | 5,262 |
| Cost of funding earning assets | 0.8287% | 2,377 |
| Net interest margin | 2.2039% | 5,275 |
| Noninterest income to average assets | 3.1160% | 135 |
| Noninterest expense to average assets | 4.8326% | 231 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3059% | 4,892 |
| Return on assets (ROA) | 0.3059% | 4,896 |
| Pretax return on assets | 0.4112% | 4,824 |
| Return on Equity (ROE) | 1.8284% | 4,985 |
| Retained earnings to average equity (ytd only) | 1.8284% | 4,111 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1587% | 320 |
| Assets per employee ($millions) | 5.6620% | 1,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0386% | 5,307 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 36.3991% | 5,007 |
| Net loans and leases to deposits | 47.5211% | 4,885 |
| Net loans and leases to core deposits | 64.9699% | 4,331 |
| Total domestic deposits to total assets | 76.5958% | 4,697 |
| Equity capital to assets | 16.2142% | 543 |
| Core capital (leverage) ratio | 16.7590% | 450 |
| Tier 1 risk-based capital ratio | 27.0980% | 612 |
| Total risk-based capital ratio | 27.1215% | 679 |
| Memoranda: | ||
| Average total assets | $322,976,000 | 2,045 |
| Average earning assets | $311,815,500 | 1,992 |
| Average equity | $54,036,000 | 1,472 |
| Average total loans | $121,978,500 | 2,994 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6664% | 5,323 |
| Cost of funding earning assets | 0.6101% | 2,645 |
| Net interest margin | 2.0563% | 5,329 |
| Noninterest income to average assets | 2.9540% | 155 |
| Noninterest expense to average assets | 4.4965% | 301 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.3271% | 4,976 |
| Return on assets (ROA) | 0.3271% | 4,970 |
| Pretax return on assets | 0.4421% | 4,885 |
| Return on Equity (ROE) | 2.1101% | 5,034 |
| Retained earnings to average equity (ytd only) | 2.1101% | 4,315 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0476% | 309 |
| Assets per employee ($millions) | 5.1130% | 2,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0384% | 5,352 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 39.2020% | 4,972 |
| Net loans and leases to deposits | 53.2255% | 4,774 |
| Net loans and leases to core deposits | 75.9443% | 3,724 |
| Total domestic deposits to total assets | 73.6527% | 4,967 |
| Equity capital to assets | 17.2839% | 396 |
| Core capital (leverage) ratio | 15.7942% | 552 |
| Tier 1 risk-based capital ratio | 24.4608% | 781 |
| Total risk-based capital ratio | 24.4822% | 865 |
| Memoranda: | ||
| Average total assets | $344,249,000 | 1,936 |
| Average earning assets | $332,243,200 | 1,879 |
| Average equity | $53,362,400 | 1,435 |
| Average total loans | $111,945,600 | 3,106 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5336% | 5,407 |
| Cost of funding earning assets | 0.5494% | 2,862 |
| Net interest margin | 1.9843% | 5,409 |
| Noninterest income to average assets | 2.9146% | 163 |
| Noninterest expense to average assets | 4.4063% | 319 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.3217% | 5,071 |
| Return on assets (ROA) | 0.3217% | 5,064 |
| Pretax return on assets | 0.4246% | 5,006 |
| Return on Equity (ROE) | 2.1292% | 5,116 |
| Retained earnings to average equity (ytd only) | 2.1292% | 4,529 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2110% | 295 |
| Assets per employee ($millions) | 5.5721% | 1,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0406% | 5,427 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 34.0282% | 5,202 |
| Net loans and leases to deposits | 44.8549% | 5,090 |
| Net loans and leases to core deposits | 59.6480% | 4,718 |
| Total domestic deposits to total assets | 75.8630% | 4,805 |
| Equity capital to assets | 15.7768% | 572 |
| Core capital (leverage) ratio | 15.3806% | 616 |
| Tier 1 risk-based capital ratio | 24.9307% | 763 |
| Total risk-based capital ratio | 24.9525% | 856 |
| Memoranda: | ||
| Average total assets | $352,338,250 | 1,923 |
| Average earning assets | $340,265,750 | 1,859 |
| Average equity | $53,226,250 | 1,447 |
| Average total loans | $109,353,250 | 3,169 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4051% | 5,482 |
| Cost of funding earning assets | 0.4952% | 3,033 |
| Net interest margin | 1.9099% | 5,479 |
| Noninterest income to average assets | 2.9617% | 163 |
| Noninterest expense to average assets | 4.3592% | 338 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.3422% | 5,057 |
| Return on assets (ROA) | 0.3422% | 5,057 |
| Pretax return on assets | 0.4460% | 4,994 |
| Return on Equity (ROE) | 2.2978% | 5,138 |
| Retained earnings to average equity (ytd only) | 2.2978% | 4,358 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7180% | 345 |
| Assets per employee ($millions) | 5.2651% | 2,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0421% | 5,487 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 34.7710% | 5,216 |
| Net loans and leases to deposits | 43.3171% | 5,163 |
| Net loans and leases to core deposits | 55.6924% | 4,879 |
| Total domestic deposits to total assets | 80.2708% | 4,181 |
| Equity capital to assets | 16.6244% | 436 |
| Core capital (leverage) ratio | 14.9163% | 689 |
| Tier 1 risk-based capital ratio | 24.7066% | 760 |
| Total risk-based capital ratio | 24.7284% | 863 |
| Memoranda: | ||
| Average total assets | $356,485,330 | 1,905 |
| Average earning assets | $344,099,670 | 1,844 |
| Average equity | $53,093,330 | 1,457 |
| Average total loans | $107,235,000 | 3,217 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2294% | 5,557 |
| Cost of funding earning assets | 0.4370% | 3,314 |
| Net interest margin | 1.7923% | 5,555 |
| Noninterest income to average assets | 2.9283% | 162 |
| Noninterest expense to average assets | 4.2551% | 375 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3133% | 5,071 |
| Return on assets (ROA) | 0.3133% | 5,078 |
| Pretax return on assets | 0.4052% | 5,030 |
| Return on Equity (ROE) | 2.2137% | 5,151 |
| Retained earnings to average equity (ytd only) | 2.2137% | 4,284 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3053% | 391 |
| Assets per employee ($millions) | 6.2551% | 1,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0435% | 5,549 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 28.7524% | 5,394 |
| Net loans and leases to deposits | 38.1428% | 5,316 |
| Net loans and leases to core deposits | 48.2644% | 5,095 |
| Total domestic deposits to total assets | 75.3810% | 5,030 |
| Equity capital to assets | 14.1437% | 851 |
| Core capital (leverage) ratio | 14.2096% | 829 |
| Tier 1 risk-based capital ratio | 25.2290% | 737 |
| Total risk-based capital ratio | 25.2513% | 818 |
| Memoranda: | ||
| Average total assets | $374,141,500 | 1,847 |
| Average earning assets | $361,540,000 | 1,782 |
| Average equity | $52,943,500 | 1,466 |
| Average total loans | $104,991,500 | 3,274 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8984% | 5,614 |
| Cost of funding earning assets | 0.3520% | 3,698 |
| Net interest margin | 1.5464% | 5,612 |
| Noninterest income to average assets | 2.5977% | 213 |
| Noninterest expense to average assets | 4.2053% | 415 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.0985% | 5,417 |
| Return on assets (ROA) | -0.0974% | 5,419 |
| Pretax return on assets | -0.1033% | 5,470 |
| Return on Equity (ROE) | -0.7421% | 5,414 |
| Retained earnings to average equity (ytd only) | -0.7421% | 5,149 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.5485% | 147 |
| Assets per employee ($millions) | 6.1144% | 1,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0461% | 5,613 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 27.3420% | 5,486 |
| Net loans and leases to deposits | 34.9457% | 5,447 |
| Net loans and leases to core deposits | 44.6996% | 5,276 |
| Total domestic deposits to total assets | 78.2414% | 4,679 |
| Equity capital to assets | 14.1576% | 861 |
| Core capital (leverage) ratio | 13.5074% | 963 |
| Tier 1 risk-based capital ratio | 25.0348% | 723 |
| Total risk-based capital ratio | 25.0571% | 817 |
| Memoranda: | ||
| Average total assets | $405,703,200 | 1,682 |
| Average earning assets | $394,324,600 | 1,616 |
| Average equity | $53,228,800 | 1,448 |
| Average total loans | $93,874,200 | 3,453 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8196% | 5,688 |
| Cost of funding earning assets | 0.3365% | 3,805 |
| Net interest margin | 1.4831% | 5,689 |
| Noninterest income to average assets | 2.5607% | 223 |
| Noninterest expense to average assets | 3.9301% | 568 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.0489% | 5,481 |
| Return on assets (ROA) | 0.0499% | 5,487 |
| Pretax return on assets | 0.0747% | 5,471 |
| Return on Equity (ROE) | 0.3875% | 5,493 |
| Retained earnings to average equity (ytd only) | 0.3875% | 5,134 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.1733% | 201 |
| Assets per employee ($millions) | 6.7843% | 1,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0473% | 5,678 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 24.0182% | 5,603 |
| Net loans and leases to deposits | 30.2097% | 5,582 |
| Net loans and leases to core deposits | 39.4722% | 5,473 |
| Total domestic deposits to total assets | 79.5051% | 4,438 |
| Equity capital to assets | 12.8971% | 1,442 |
| Core capital (leverage) ratio | 13.7723% | 951 |
| Tier 1 risk-based capital ratio | 25.3236% | 721 |
| Total risk-based capital ratio | 25.3459% | 824 |
| Memoranda: | ||
| Average total assets | $413,884,250 | 1,668 |
| Average earning assets | $402,559,750 | 1,602 |
| Average equity | $53,334,750 | 1,450 |
| Average total loans | $91,836,000 | 3,526 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7562% | 5,741 |
| Cost of funding earning assets | 0.3186% | 3,889 |
| Net interest margin | 1.4375% | 5,740 |
| Noninterest income to average assets | 2.6011% | 215 |
| Noninterest expense to average assets | 3.8894% | 598 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.0680% | 5,519 |
| Return on assets (ROA) | 0.0696% | 5,522 |
| Pretax return on assets | 0.1116% | 5,499 |
| Return on Equity (ROE) | 0.5401% | 5,520 |
| Retained earnings to average equity (ytd only) | 0.5401% | 4,967 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2689% | 225 |
| Assets per employee ($millions) | 7.0005% | 937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0509% | 5,725 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 21.2656% | 5,676 |
| Net loans and leases to deposits | 28.6914% | 5,648 |
| Net loans and leases to core deposits | 38.1097% | 5,542 |
| Total domestic deposits to total assets | 74.1184% | 5,282 |
| Equity capital to assets | 12.2973% | 1,735 |
| Core capital (leverage) ratio | 14.2985% | 781 |
| Tier 1 risk-based capital ratio | 25.1100% | 739 |
| Total risk-based capital ratio | 25.1322% | 843 |
| Memoranda: | ||
| Average total assets | $413,897,670 | 1,670 |
| Average earning assets | $402,351,670 | 1,607 |
| Average equity | $53,321,670 | 1,453 |
| Average total loans | $89,299,670 | 3,591 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7591% | 5,814 |
| Cost of funding earning assets | 0.3189% | 3,861 |
| Net interest margin | 1.4402% | 5,810 |
| Noninterest income to average assets | 2.6863% | 216 |
| Noninterest expense to average assets | 3.8769% | 615 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1226% | 5,487 |
| Return on assets (ROA) | 0.1258% | 5,492 |
| Pretax return on assets | 0.2100% | 5,424 |
| Return on Equity (ROE) | 0.9532% | 5,502 |
| Retained earnings to average equity (ytd only) | 0.9532% | 4,675 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9769% | 347 |
| Assets per employee ($millions) | 6.2894% | 1,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0527% | 5,799 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 23.2539% | 5,710 |
| Net loans and leases to deposits | 29.6044% | 5,683 |
| Net loans and leases to core deposits | 40.1954% | 5,517 |
| Total domestic deposits to total assets | 78.5488% | 4,902 |
| Equity capital to assets | 13.9087% | 930 |
| Core capital (leverage) ratio | 13.7843% | 897 |
| Tier 1 risk-based capital ratio | 25.7571% | 706 |
| Total risk-based capital ratio | 25.7798% | 797 |
| Memoranda: | ||
| Average total assets | $403,831,500 | 1,716 |
| Average earning assets | $391,331,500 | 1,652 |
| Average equity | $53,295,500 | 1,457 |
| Average total loans | $87,776,500 | 3,651 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4305% | 5,867 |
| Cost of funding earning assets | 0.2702% | 4,363 |
| Net interest margin | 1.1603% | 5,871 |
| Noninterest income to average assets | 2.4803% | 253 |
| Noninterest expense to average assets | 3.4260% | 1,301 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.1210% | 5,539 |
| Return on assets (ROA) | 0.1210% | 5,567 |
| Pretax return on assets | 0.1742% | 5,520 |
| Return on Equity (ROE) | 1.0346% | 5,561 |
| Retained earnings to average equity (ytd only) | 1.0346% | 4,906 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1607% | 341 |
| Assets per employee ($millions) | 6.6252% | 1,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0545% | 5,854 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 20.3403% | 5,797 |
| Net loans and leases to deposits | 26.1862% | 5,782 |
| Net loans and leases to core deposits | 34.4939% | 5,698 |
| Total domestic deposits to total assets | 77.6756% | 5,020 |
| Equity capital to assets | 12.5539% | 1,487 |
| Core capital (leverage) ratio | 13.3988% | 1,003 |
| Tier 1 risk-based capital ratio | 25.1502% | 758 |
| Total risk-based capital ratio | 25.1724% | 853 |
| Memoranda: | ||
| Average total assets | $452,855,600 | 1,504 |
| Average earning assets | $437,119,000 | 1,453 |
| Average equity | $52,965,600 | 1,452 |
| Average total loans | $72,944,400 | 3,969 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3843% | 5,938 |
| Cost of funding earning assets | 0.2650% | 4,445 |
| Net interest margin | 1.1193% | 5,943 |
| Noninterest income to average assets | 2.4370% | 265 |
| Noninterest expense to average assets | 3.3519% | 1,451 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.0962% | 5,628 |
| Return on assets (ROA) | 0.0962% | 5,678 |
| Pretax return on assets | 0.1646% | 5,601 |
| Return on Equity (ROE) | 0.8368% | 5,659 |
| Retained earnings to average equity (ytd only) | 0.8368% | 5,132 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3189% | 337 |
| Assets per employee ($millions) | 6.6490% | 1,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0721% | 5,919 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 15.0725% | 5,914 |
| Net loans and leases to deposits | 19.8131% | 5,901 |
| Net loans and leases to core deposits | 26.1072% | 5,858 |
| Total domestic deposits to total assets | 76.0734% | 5,231 |
| Equity capital to assets | 12.2763% | 1,920 |
| Core capital (leverage) ratio | 12.5139% | 1,394 |
| Tier 1 risk-based capital ratio | 26.7453% | 659 |
| Total risk-based capital ratio | 26.7690% | 743 |
| Memoranda: | ||
| Average total assets | $460,066,750 | 1,484 |
| Average earning assets | $443,724,000 | 1,438 |
| Average equity | $52,899,500 | 1,460 |
| Average total loans | $69,607,500 | 4,086 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3501% | 6,021 |
| Cost of funding earning assets | 0.2585% | 4,563 |
| Net interest margin | 1.0916% | 6,025 |
| Noninterest income to average assets | 2.4135% | 265 |
| Noninterest expense to average assets | 3.2670% | 1,655 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.1133% | 5,650 |
| Return on assets (ROA) | 0.1133% | 5,702 |
| Pretax return on assets | 0.1973% | 5,623 |
| Return on Equity (ROE) | 1.0067% | 5,686 |
| Retained earnings to average equity (ytd only) | 1.0067% | 4,985 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3050% | 403 |
| Assets per employee ($millions) | 7.5216% | 692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0649% | 5,998 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 15.2826% | 5,984 |
| Net loans and leases to deposits | 18.9327% | 5,981 |
| Net loans and leases to core deposits | 23.8759% | 5,955 |
| Total domestic deposits to total assets | 80.7208% | 4,354 |
| Equity capital to assets | 11.1789% | 2,869 |
| Core capital (leverage) ratio | 12.5847% | 1,311 |
| Tier 1 risk-based capital ratio | 25.9746% | 725 |
| Total risk-based capital ratio | 25.9977% | 823 |
| Memoranda: | ||
| Average total assets | $469,361,000 | 1,462 |
| Average earning assets | $451,827,000 | 1,424 |
| Average equity | $52,847,330 | 1,467 |
| Average total loans | $71,080,670 | 4,063 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3498% | 6,088 |
| Cost of funding earning assets | 0.2580% | 4,628 |
| Net interest margin | 1.0918% | 6,091 |
| Noninterest income to average assets | 2.4636% | 258 |
| Noninterest expense to average assets | 3.3260% | 1,540 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1045% | 5,676 |
| Return on assets (ROA) | 0.1045% | 5,721 |
| Pretax return on assets | 0.1850% | 5,656 |
| Return on Equity (ROE) | 0.9245% | 5,706 |
| Retained earnings to average equity (ytd only) | 0.9245% | 4,867 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7317% | 425 |
| Assets per employee ($millions) | 7.6992% | 639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0658% | 6,064 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 14.9531% | 6,040 |
| Net loans and leases to deposits | 20.5034% | 6,025 |
| Net loans and leases to core deposits | 25.9232% | 5,987 |
| Total domestic deposits to total assets | 72.9300% | 5,713 |
| Equity capital to assets | 11.0705% | 2,863 |
| Core capital (leverage) ratio | 12.4288% | 1,366 |
| Tier 1 risk-based capital ratio | 28.3111% | 588 |
| Total risk-based capital ratio | 28.3363% | 650 |
| Memoranda: | ||
| Average total assets | $467,112,000 | 1,467 |
| Average earning assets | $448,051,000 | 1,428 |
| Average equity | $52,785,000 | 1,455 |
| Average total loans | $70,388,500 | 4,106 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3042% | 6,136 |
| Cost of funding earning assets | 0.2394% | 4,903 |
| Net interest margin | 1.0648% | 6,138 |
| Noninterest income to average assets | 2.7917% | 229 |
| Noninterest expense to average assets | 3.6603% | 1,032 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.0815% | 5,776 |
| Return on assets (ROA) | 0.0815% | 5,820 |
| Pretax return on assets | 0.1595% | 5,743 |
| Return on Equity (ROE) | 0.7035% | 5,812 |
| Retained earnings to average equity (ytd only) | 0.7035% | 5,233 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8235% | 402 |
| Assets per employee ($millions) | 7.8771% | 594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0678% | 6,116 |
| 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 | 15.1692% | 6,105 |
| Net loans and leases to deposits | 20.7634% | 6,080 |
| Net loans and leases to core deposits | 26.5477% | 6,037 |
| Total domestic deposits to total assets | 73.0573% | 5,720 |
| Equity capital to assets | 11.5404% | 2,326 |
| Core capital (leverage) ratio | 13.1771% | 1,080 |
| Tier 1 risk-based capital ratio | 27.1103% | 659 |
| Total risk-based capital ratio | 27.1345% | 729 |
| Memoranda: | ||
| Average total assets | $455,067,800 | 1,473 |
| Average earning assets | $439,411,200 | 1,414 |
| Average equity | $52,735,200 | 1,410 |
| Average total loans | $74,371,000 | 3,985 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3055% | 6,231 |
| Cost of funding earning assets | 0.2420% | 4,972 |
| Net interest margin | 1.0636% | 6,233 |
| Noninterest income to average assets | 2.8762% | 223 |
| Noninterest expense to average assets | 3.5560% | 1,186 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.1959% | 5,690 |
| Return on assets (ROA) | 0.1959% | 5,747 |
| Pretax return on assets | 0.3464% | 5,561 |
| Return on Equity (ROE) | 1.6888% | 5,733 |
| Retained earnings to average equity (ytd only) | 1.6888% | 5,025 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1243% | 625 |
| Assets per employee ($millions) | 7.2781% | 766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0677% | 6,203 |
| 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 | 15.1337% | 6,192 |
| Net loans and leases to deposits | 21.1959% | 6,169 |
| Net loans and leases to core deposits | 27.2394% | 6,123 |
| Total domestic deposits to total assets | 71.3991% | 5,906 |
| Equity capital to assets | 11.5703% | 2,442 |
| Core capital (leverage) ratio | 13.2399% | 1,115 |
| Tier 1 risk-based capital ratio | 27.3376% | 660 |
| Total risk-based capital ratio | 27.3619% | 737 |
| Memoranda: | ||
| Average total assets | $454,616,500 | 1,483 |
| Average earning assets | $438,642,250 | 1,416 |
| Average equity | $52,737,750 | 1,421 |
| Average total loans | $75,626,000 | 3,988 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3216% | 6,304 |
| Cost of funding earning assets | 0.2415% | 5,038 |
| Net interest margin | 1.0801% | 6,307 |
| Noninterest income to average assets | 2.9423% | 222 |
| Noninterest expense to average assets | 3.6315% | 1,073 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1994% | 5,692 |
| Return on assets (ROA) | 0.1994% | 5,757 |
| Pretax return on assets | 0.3525% | 5,566 |
| Return on Equity (ROE) | 1.7176% | 5,753 |
| Retained earnings to average equity (ytd only) | 1.7176% | 4,842 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1517% | 675 |
| Assets per employee ($millions) | 6.3200% | 1,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0635% | 6,276 |
| 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 | 16.9740% | 6,245 |
| Net loans and leases to deposits | 22.0169% | 6,231 |
| Net loans and leases to core deposits | 28.6013% | 6,177 |
| Total domestic deposits to total assets | 77.0954% | 5,444 |
| Equity capital to assets | 12.1139% | 1,940 |
| Core capital (leverage) ratio | 12.1899% | 1,542 |
| Tier 1 risk-based capital ratio | 26.1452% | 768 |
| Total risk-based capital ratio | 26.1685% | 857 |
| Memoranda: | ||
| Average total assets | $453,315,330 | 1,501 |
| Average earning assets | $437,183,330 | 1,436 |
| Average equity | $52,633,000 | 1,436 |
| Average total loans | $77,688,670 | 3,961 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2820% | 6,380 |
| Cost of funding earning assets | 0.2381% | 5,143 |
| Net interest margin | 1.0439% | 6,381 |
| Noninterest income to average assets | 2.9658% | 220 |
| Noninterest expense to average assets | 3.5693% | 1,179 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2295% | 5,613 |
| Return on assets (ROA) | 0.2295% | 5,701 |
| Pretax return on assets | 0.4027% | 5,432 |
| Return on Equity (ROE) | 2.0176% | 5,687 |
| Retained earnings to average equity (ytd only) | 2.0176% | 4,665 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8627% | 857 |
| Assets per employee ($millions) | 6.7698% | 951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0592% | 6,348 |
| 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 | 16.9991% | 6,302 |
| Net loans and leases to deposits | 20.7190% | 6,300 |
| Net loans and leases to core deposits | 25.9545% | 6,260 |
| Total domestic deposits to total assets | 82.0459% | 4,497 |
| Equity capital to assets | 11.2765% | 2,675 |
| Core capital (leverage) ratio | 11.7460% | 1,813 |
| Tier 1 risk-based capital ratio | 25.8757% | 798 |
| Total risk-based capital ratio | 25.8988% | 904 |
| Memoranda: | ||
| Average total assets | $461,933,500 | 1,473 |
| Average earning assets | $445,241,500 | 1,415 |
| Average equity | $52,536,500 | 1,444 |
| Average total loans | $79,499,500 | 3,911 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2518% | 6,461 |
| Cost of funding earning assets | 0.2414% | 5,411 |
| Net interest margin | 1.0104% | 6,465 |
| Noninterest income to average assets | 2.8879% | 203 |
| Noninterest expense to average assets | 3.4620% | 1,570 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.2212% | 5,727 |
| Return on assets (ROA) | 0.2294% | 5,768 |
| Pretax return on assets | 0.4022% | 5,483 |
| Return on Equity (ROE) | 2.0462% | 5,752 |
| Retained earnings to average equity (ytd only) | 2.0462% | 4,756 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8890% | 846 |
| Assets per employee ($millions) | 6.5251% | 1,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0591% | 6,439 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 17.4054% | 6,397 |
| Net loans and leases to deposits | 20.6027% | 6,400 |
| Net loans and leases to core deposits | 25.7571% | 6,358 |
| Total domestic deposits to total assets | 84.4811% | 3,516 |
| Equity capital to assets | 11.4720% | 2,451 |
| Core capital (leverage) ratio | 11.8380% | 1,742 |
| Tier 1 risk-based capital ratio | 27.6848% | 631 |
| Total risk-based capital ratio | 27.7097% | 708 |
| Memoranda: | ||
| Average total assets | $463,000,400 | 1,446 |
| Average earning assets | $441,528,200 | 1,385 |
| Average equity | $51,900,800 | 1,404 |
| Average total loans | $75,358,800 | 4,006 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2352% | 6,549 |
| Cost of funding earning assets | 0.2414% | 5,495 |
| Net interest margin | 0.9938% | 6,552 |
| Noninterest income to average assets | 2.8537% | 203 |
| Noninterest expense to average assets | 3.4483% | 1,565 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2030% | 5,845 |
| Return on assets (ROA) | 0.2138% | 5,871 |
| Pretax return on assets | 0.3674% | 5,647 |
| Return on Equity (ROE) | 1.9185% | 5,862 |
| Retained earnings to average equity (ytd only) | 1.9185% | 5,095 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7752% | 790 |
| Assets per employee ($millions) | 6.7804% | 880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0547% | 6,523 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 18.8908% | 6,464 |
| Net loans and leases to deposits | 23.1223% | 6,461 |
| Net loans and leases to core deposits | 29.1886% | 6,396 |
| Total domestic deposits to total assets | 81.6998% | 4,587 |
| Equity capital to assets | 11.4720% | 2,508 |
| Core capital (leverage) ratio | 12.0440% | 1,676 |
| Tier 1 risk-based capital ratio | 25.3946% | 844 |
| Total risk-based capital ratio | 25.4176% | 948 |
| Memoranda: | ||
| Average total assets | $464,562,000 | 1,452 |
| Average earning assets | $441,807,750 | 1,399 |
| Average equity | $51,776,250 | 1,417 |
| Average total loans | $74,311,750 | 4,079 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2111% | 6,617 |
| Cost of funding earning assets | 0.2399% | 5,583 |
| Net interest margin | 0.9712% | 6,615 |
| Noninterest income to average assets | 2.7962% | 204 |
| Noninterest expense to average assets | 3.3851% | 1,710 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1933% | 5,857 |
| Return on assets (ROA) | 0.2094% | 5,862 |
| Pretax return on assets | 0.3586% | 5,660 |
| Return on Equity (ROE) | 1.8969% | 5,862 |
| Retained earnings to average equity (ytd only) | 1.8969% | 4,935 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0355% | 831 |
| Assets per employee ($millions) | 7.0535% | 780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0680% | 6,588 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 14.3942% | 6,570 |
| Net loans and leases to deposits | 17.2162% | 6,576 |
| Net loans and leases to core deposits | 21.3100% | 6,542 |
| Total domestic deposits to total assets | 83.6088% | 4,073 |
| Equity capital to assets | 10.8215% | 3,064 |
| Core capital (leverage) ratio | 10.9347% | 2,487 |
| Tier 1 risk-based capital ratio | 28.7678% | 598 |
| Total risk-based capital ratio | 28.7940% | 654 |
| Memoranda: | ||
| Average total assets | $467,986,330 | 1,436 |
| Average earning assets | $444,381,330 | 1,391 |
| Average equity | $51,663,000 | 1,406 |
| Average total loans | $70,460,330 | 4,220 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2131% | 6,694 |
| Cost of funding earning assets | 0.2424% | 5,661 |
| Net interest margin | 0.9707% | 6,693 |
| Noninterest income to average assets | 2.9029% | 195 |
| Noninterest expense to average assets | 3.4256% | 1,636 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2270% | 5,721 |
| Return on assets (ROA) | 0.2596% | 5,670 |
| Pretax return on assets | 0.4431% | 5,328 |
| Return on Equity (ROE) | 2.3282% | 5,697 |
| Retained earnings to average equity (ytd only) | 2.3282% | 4,668 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7302% | 1,060 |
| Assets per employee ($millions) | 7.0335% | 796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0702% | 6,659 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 13.9810% | 6,642 |
| Net loans and leases to deposits | 16.7966% | 6,643 |
| Net loans and leases to core deposits | 20.8223% | 6,610 |
| Total domestic deposits to total assets | 83.2375% | 4,522 |
| Equity capital to assets | 10.8065% | 2,930 |
| Core capital (leverage) ratio | 11.3969% | 2,053 |
| Tier 1 risk-based capital ratio | 28.7968% | 588 |
| Total risk-based capital ratio | 28.8230% | 660 |
| Memoranda: | ||
| Average total assets | $462,161,500 | 1,459 |
| Average earning assets | $435,579,500 | 1,418 |
| Average equity | $51,542,500 | 1,404 |
| Average total loans | $71,147,000 | 4,229 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2916% | 6,760 |
| Cost of funding earning assets | 0.2393% | 6,038 |
| Net interest margin | 1.0523% | 6,758 |
| Noninterest income to average assets | 2.7178% | 253 |
| Noninterest expense to average assets | 3.4220% | 1,834 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.1656% | 5,905 |
| Return on assets (ROA) | 0.1663% | 5,969 |
| Pretax return on assets | 0.2953% | 5,744 |
| Return on Equity (ROE) | 1.4466% | 5,997 |
| Retained earnings to average equity (ytd only) | 1.4466% | 5,170 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0845% | 875 |
| Assets per employee ($millions) | 6.6574% | 919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0624% | 6,737 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 16.8888% | 6,706 |
| Net loans and leases to deposits | 23.1482% | 6,677 |
| Net loans and leases to core deposits | 30.3177% | 6,596 |
| Total domestic deposits to total assets | 72.9594% | 6,360 |
| Equity capital to assets | 11.5234% | 2,145 |
| Core capital (leverage) ratio | 11.7007% | 1,825 |
| Tier 1 risk-based capital ratio | 28.8159% | 565 |
| Total risk-based capital ratio | 28.8424% | 622 |
| Memoranda: | ||
| Average total assets | $444,334,800 | 1,494 |
| Average earning assets | $421,568,400 | 1,446 |
| Average equity | $51,084,000 | 1,391 |
| Average total loans | $69,083,800 | 4,305 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2930% | 6,847 |
| Cost of funding earning assets | 0.2324% | 6,205 |
| Net interest margin | 1.0606% | 6,842 |
| Noninterest income to average assets | 2.6645% | 269 |
| Noninterest expense to average assets | 3.3934% | 1,842 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1595% | 6,019 |
| Return on assets (ROA) | 0.1595% | 6,085 |
| Pretax return on assets | 0.2742% | 5,927 |
| Return on Equity (ROE) | 1.3881% | 6,098 |
| Retained earnings to average equity (ytd only) | 1.3881% | 5,425 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5231% | 819 |
| Assets per employee ($millions) | 7.2082% | 671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0628% | 6,822 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 15.2705% | 6,800 |
| Net loans and leases to deposits | 21.3971% | 6,777 |
| Net loans and leases to core deposits | 27.3330% | 6,720 |
| Total domestic deposits to total assets | 71.3671% | 6,530 |
| Equity capital to assets | 10.4462% | 3,348 |
| Core capital (leverage) ratio | 12.0303% | 1,654 |
| Tier 1 risk-based capital ratio | 28.6503% | 584 |
| Total risk-based capital ratio | 28.6767% | 658 |
| Memoranda: | ||
| Average total assets | $443,906,750 | 1,498 |
| Average earning assets | $419,883,750 | 1,460 |
| Average equity | $51,005,000 | 1,400 |
| Average total loans | $67,510,000 | 4,389 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3476% | 6,888 |
| Cost of funding earning assets | 0.2292% | 6,313 |
| Net interest margin | 1.1184% | 6,889 |
| Noninterest income to average assets | 2.8136% | 276 |
| Noninterest expense to average assets | 3.5147% | 1,572 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2026% | 5,881 |
| Return on assets (ROA) | 0.2026% | 6,014 |
| Pretax return on assets | 0.3487% | 5,753 |
| Return on Equity (ROE) | 1.7040% | 6,040 |
| Retained earnings to average equity (ytd only) | 1.7040% | 5,162 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9750% | 985 |
| Assets per employee ($millions) | 6.4353% | 934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0640% | 6,870 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 17.0341% | 6,828 |
| Net loans and leases to deposits | 25.5902% | 6,770 |
| Net loans and leases to core deposits | 33.8456% | 6,652 |
| Total domestic deposits to total assets | 66.5649% | 6,746 |
| Equity capital to assets | 11.8500% | 2,007 |
| Core capital (leverage) ratio | 12.9350% | 1,192 |
| Tier 1 risk-based capital ratio | 29.0144% | 573 |
| Total risk-based capital ratio | 29.0412% | 632 |
| Memoranda: | ||
| Average total assets | $428,489,000 | 1,555 |
| Average earning assets | $402,195,000 | 1,510 |
| Average equity | $50,939,000 | 1,405 |
| Average total loans | $65,047,670 | 4,497 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3663% | 6,970 |
| Cost of funding earning assets | 0.2074% | 6,540 |
| Net interest margin | 1.1589% | 6,968 |
| Noninterest income to average assets | 2.8496% | 270 |
| Noninterest expense to average assets | 3.5444% | 1,538 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2210% | 5,820 |
| Return on assets (ROA) | 0.2210% | 5,943 |
| Pretax return on assets | 0.3830% | 5,618 |
| Return on Equity (ROE) | 1.8560% | 5,985 |
| Retained earnings to average equity (ytd only) | 1.8560% | 5,067 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2480% | 1,130 |
| Assets per employee ($millions) | 6.6629% | 913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0710% | 6,948 |
| 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 | 14.8089% | 6,920 |
| Net loans and leases to deposits | 23.5413% | 6,867 |
| Net loans and leases to core deposits | 30.6192% | 6,755 |
| Total domestic deposits to total assets | 62.9060% | 6,886 |
| Equity capital to assets | 11.4215% | 2,490 |
| Core capital (leverage) ratio | 12.7341% | 1,229 |
| Tier 1 risk-based capital ratio | 34.4442% | 367 |
| Total risk-based capital ratio | 34.4762% | 396 |
| Memoranda: | ||
| Average total assets | $427,151,500 | 1,576 |
| Average earning assets | $397,283,500 | 1,543 |
| Average equity | $50,862,000 | 1,428 |
| Average total loans | $60,825,500 | 4,679 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5303% | 7,023 |
| Cost of funding earning assets | 0.1754% | 6,879 |
| Net interest margin | 1.3549% | 7,009 |
| Noninterest income to average assets | 2.9370% | 265 |
| Noninterest expense to average assets | 3.7322% | 1,356 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.2553% | 5,618 |
| Return on assets (ROA) | 0.2553% | 5,823 |
| Pretax return on assets | 0.4387% | 5,459 |
| Return on Equity (ROE) | 2.0188% | 5,893 |
| Retained earnings to average equity (ytd only) | 2.0188% | 4,806 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4813% | 1,112 |
| Assets per employee ($millions) | 5.9984% | 1,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0847% | 6,991 |
| 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 | 13.5939% | 6,989 |
| Net loans and leases to deposits | 19.0500% | 6,982 |
| Net loans and leases to core deposits | 23.1970% | 6,946 |
| Total domestic deposits to total assets | 71.3589% | 6,723 |
| Equity capital to assets | 12.4389% | 1,756 |
| Core capital (leverage) ratio | 14.4062% | 693 |
| Tier 1 risk-based capital ratio | 34.0745% | 366 |
| Total risk-based capital ratio | 34.1062% | 395 |
| Memoranda: | ||
| Average total assets | $397,518,000 | 1,646 |
| Average earning assets | $362,018,600 | 1,652 |
| Average equity | $50,277,600 | 1,408 |
| Average total loans | $40,500,600 | 5,484 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5552% | 7,132 |
| Cost of funding earning assets | 0.1760% | 6,993 |
| Net interest margin | 1.3791% | 7,119 |
| Noninterest income to average assets | 2.9753% | 249 |
| Noninterest expense to average assets | 3.8703% | 1,106 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.2012% | 5,911 |
| Return on assets (ROA) | 0.2012% | 6,078 |
| Pretax return on assets | 0.3639% | 5,803 |
| Return on Equity (ROE) | 1.5841% | 6,134 |
| Retained earnings to average equity (ytd only) | 1.5841% | 5,546 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4049% | 928 |
| Assets per employee ($millions) | 5.9421% | 1,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1134% | 7,101 |
| 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 | 10.2428% | 7,115 |
| Net loans and leases to deposits | 16.7437% | 7,096 |
| Net loans and leases to core deposits | 19.9124% | 7,081 |
| Total domestic deposits to total assets | 61.1737% | 7,048 |
| Equity capital to assets | 12.4724% | 1,914 |
| Core capital (leverage) ratio | 13.3264% | 1,064 |
| Tier 1 risk-based capital ratio | 32.0460% | 444 |
| Total risk-based capital ratio | 32.0761% | 481 |
| Memoranda: | ||
| Average total assets | $394,925,250 | 1,680 |
| Average earning assets | $360,506,500 | 1,677 |
| Average equity | $50,162,750 | 1,427 |
| Average total loans | $36,752,000 | 5,718 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5596% | 7,201 |
| Cost of funding earning assets | 0.1758% | 7,070 |
| Net interest margin | 1.3838% | 7,187 |
| Noninterest income to average assets | 3.0902% | 235 |
| Noninterest expense to average assets | 3.9563% | 1,003 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2317% | 5,818 |
| Return on assets (ROA) | 0.2317% | 6,007 |
| Pretax return on assets | 0.4073% | 5,696 |
| Return on Equity (ROE) | 1.8129% | 6,097 |
| Retained earnings to average equity (ytd only) | 1.8129% | 5,286 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6667% | 1,022 |
| Assets per employee ($millions) | 6.3297% | 1,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1221% | 7,164 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 8.8015% | 7,187 |
| Net loans and leases to deposits | 16.9119% | 7,156 |
| Net loans and leases to core deposits | 20.4472% | 7,138 |
| Total domestic deposits to total assets | 52.0428% | 7,176 |
| Equity capital to assets | 11.5113% | 2,583 |
| Core capital (leverage) ratio | 12.5496% | 1,330 |
| Tier 1 risk-based capital ratio | 33.6245% | 384 |
| Total risk-based capital ratio | 33.6562% | 418 |
| Memoranda: | ||
| Average total assets | $391,880,000 | 1,689 |
| Average earning assets | $360,601,000 | 1,676 |
| Average equity | $50,085,000 | 1,416 |
| Average total loans | $35,191,330 | 5,825 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7029% | 7,254 |
| Cost of funding earning assets | 0.1869% | 7,125 |
| Net interest margin | 1.5160% | 7,236 |
| Noninterest income to average assets | 3.2968% | 209 |
| Noninterest expense to average assets | 4.0829% | 844 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3432% | 5,497 |
| Return on assets (ROA) | 0.3432% | 5,674 |
| Pretax return on assets | 0.5836% | 5,169 |
| Return on Equity (ROE) | 2.5365% | 5,890 |
| Retained earnings to average equity (ytd only) | 2.5365% | 4,989 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4942% | 1,340 |
| Assets per employee ($millions) | 6.0734% | 1,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1555% | 7,211 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 6.6265% | 7,253 |
| Net loans and leases to deposits | 13.1499% | 7,239 |
| Net loans and leases to core deposits | 15.6667% | 7,224 |
| Total domestic deposits to total assets | 50.3923% | 7,240 |
| Equity capital to assets | 11.0204% | 2,885 |
| Core capital (leverage) ratio | 12.8055% | 1,205 |
| Tier 1 risk-based capital ratio | 34.8795% | 341 |
| Total risk-based capital ratio | 34.9124% | 371 |
| Memoranda: | ||
| Average total assets | $369,447,000 | 1,791 |
| Average earning assets | $333,780,000 | 1,810 |
| Average equity | $49,990,000 | 1,411 |
| Average total loans | $33,543,500 | 5,934 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9420% | 7,292 |
| Cost of funding earning assets | 0.2253% | 7,208 |
| Net interest margin | 1.7167% | 7,271 |
| Noninterest income to average assets | 3.7463% | 169 |
| Noninterest expense to average assets | 4.8867% | 414 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.2543% | 5,416 |
| Return on assets (ROA) | 0.2565% | 5,554 |
| Pretax return on assets | 0.4466% | 5,139 |
| Return on Equity (ROE) | 1.6948% | 5,777 |
| Retained earnings to average equity (ytd only) | 1.6948% | 5,007 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6849% | 1,066 |
| Assets per employee ($millions) | 3.8296% | 4,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1275% | 7,275 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 12.9887% | 7,272 |
| Net loans and leases to deposits | 17.6095% | 7,271 |
| Net loans and leases to core deposits | 21.4473% | 7,238 |
| Total domestic deposits to total assets | 73.7597% | 6,740 |
| Equity capital to assets | 17.5665% | 378 |
| Core capital (leverage) ratio | 15.5274% | 518 |
| Tier 1 risk-based capital ratio | 33.2080% | 387 |
| Total risk-based capital ratio | 33.2396% | 415 |
| Memoranda: | ||
| Average total assets | $326,723,200 | 1,971 |
| Average earning assets | $301,386,400 | 1,949 |
| Average equity | $49,444,800 | 1,378 |
| Average total loans | $28,524,600 | 6,219 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8962% | 7,374 |
| Cost of funding earning assets | 0.2231% | 7,302 |
| Net interest margin | 1.6730% | 7,352 |
| Noninterest income to average assets | 3.6757% | 172 |
| Noninterest expense to average assets | 4.9203% | 405 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.1608% | 5,797 |
| Return on assets (ROA) | 0.1608% | 5,923 |
| Pretax return on assets | 0.3014% | 5,704 |
| Return on Equity (ROE) | 1.0994% | 6,050 |
| Retained earnings to average equity (ytd only) | 1.0994% | 5,582 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2284% | 906 |
| Assets per employee ($millions) | 4.2341% | 3,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1239% | 7,350 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 12.2605% | 7,353 |
| Net loans and leases to deposits | 16.7995% | 7,352 |
| Net loans and leases to core deposits | 20.0653% | 7,327 |
| Total domestic deposits to total assets | 72.9811% | 6,859 |
| Equity capital to assets | 15.9882% | 628 |
| Core capital (leverage) ratio | 15.5389% | 568 |
| Tier 1 risk-based capital ratio | 30.3242% | 521 |
| Total risk-based capital ratio | 30.3533% | 580 |
| Memoranda: | ||
| Average total assets | $337,556,000 | 1,924 |
| Average earning assets | $311,918,250 | 1,894 |
| Average equity | $49,360,500 | 1,383 |
| Average total loans | $26,441,750 | 6,388 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8419% | 7,454 |
| Cost of funding earning assets | 0.2199% | 7,398 |
| Net interest margin | 1.6220% | 7,434 |
| Noninterest income to average assets | 3.5644% | 187 |
| Noninterest expense to average assets | 4.7942% | 440 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.1481% | 5,889 |
| Return on assets (ROA) | 0.1481% | 5,981 |
| Pretax return on assets | 0.2789% | 5,716 |
| Return on Equity (ROE) | 1.0417% | 6,076 |
| Retained earnings to average equity (ytd only) | 1.0417% | 5,446 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5019% | 944 |
| Assets per employee ($millions) | 4.6789% | 2,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1869% | 7,394 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 7.3483% | 7,452 |
| Net loans and leases to deposits | 8.8197% | 7,458 |
| Net loans and leases to core deposits | 10.1420% | 7,447 |
| Total domestic deposits to total assets | 83.3169% | 4,627 |
| Equity capital to assets | 14.4894% | 941 |
| Core capital (leverage) ratio | 12.6450% | 1,307 |
| Tier 1 risk-based capital ratio | 32.9596% | 421 |
| Total risk-based capital ratio | 32.9913% | 455 |
| Memoranda: | ||
| Average total assets | $347,044,330 | 1,881 |
| Average earning assets | $322,820,000 | 1,846 |
| Average equity | $49,341,330 | 1,370 |
| Average total loans | $22,608,000 | 6,653 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7364% | 7,520 |
| Cost of funding earning assets | 0.2129% | 7,471 |
| Net interest margin | 1.5235% | 7,501 |
| Noninterest income to average assets | 3.4707% | 185 |
| Noninterest expense to average assets | 4.6051% | 534 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1532% | 5,931 |
| Return on assets (ROA) | 0.1532% | 5,990 |
| Pretax return on assets | 0.2893% | 5,687 |
| Return on Equity (ROE) | 1.0879% | 6,107 |
| Retained earnings to average equity (ytd only) | 1.0879% | 5,391 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0888% | 1,032 |
| Assets per employee ($millions) | 4.5074% | 2,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2200% | 7,436 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 6.4798% | 7,514 |
| Net loans and leases to deposits | 7.9228% | 7,520 |
| Net loans and leases to core deposits | 9.1720% | 7,505 |
| Total domestic deposits to total assets | 81.7865% | 5,394 |
| Equity capital to assets | 14.9965% | 770 |
| Core capital (leverage) ratio | 13.6327% | 928 |
| Tier 1 risk-based capital ratio | 33.5926% | 389 |
| Total risk-based capital ratio | 33.6250% | 413 |
| Memoranda: | ||
| Average total assets | $349,786,000 | 1,887 |
| Average earning assets | $326,885,000 | 1,832 |
| Average equity | $49,267,000 | 1,354 |
| Average total loans | $21,339,000 | 6,780 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5687% | 7,581 |
| Cost of funding earning assets | 0.1744% | 7,560 |
| Net interest margin | 1.3943% | 7,558 |
| Noninterest income to average assets | 3.1700% | 218 |
| Noninterest expense to average assets | 4.0764% | 1,054 |
| Loan and lease loss provision to assets | 0.0015% | 7,036 |
| Net operating income to assets | 0.1933% | 5,286 |
| Return on assets (ROA) | 0.2143% | 5,394 |
| Pretax return on assets | 0.4207% | 4,881 |
| Return on Equity (ROE) | 1.8100% | 5,466 |
| Retained earnings to average equity (ytd only) | 1.8100% | 4,599 |
| Net charge-offs to loans | 0.0248% | 6,564 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 267.0000% | 86 |
| Efficiency ratio | 91.2821% | 1,229 |
| Assets per employee ($millions) | 5.1463% | 1,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2206% | 7,517 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 5.7385% | 7,600 |
| Net loans and leases to deposits | 7.0116% | 7,606 |
| Net loans and leases to core deposits | 7.9870% | 7,588 |
| Total domestic deposits to total assets | 81.8427% | 5,233 |
| Equity capital to assets | 13.2754% | 1,268 |
| Core capital (leverage) ratio | 12.7741% | 1,210 |
| Tier 1 risk-based capital ratio | 35.3834% | 337 |
| Total risk-based capital ratio | 35.4176% | 360 |
| Memoranda: | ||
| Average total assets | $411,486,200 | 1,606 |
| Average earning assets | $382,416,800 | 1,577 |
| Average equity | $48,730,000 | 1,368 |
| Average total loans | $24,202,200 | 6,721 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5481% | 7,706 |
| Cost of funding earning assets | 0.1642% | 7,687 |
| Net interest margin | 1.3839% | 7,680 |
| Noninterest income to average assets | 3.1903% | 212 |
| Noninterest expense to average assets | 4.1227% | 913 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.1855% | 5,550 |
| Return on assets (ROA) | 0.1881% | 5,702 |
| Pretax return on assets | 0.3531% | 5,359 |
| Return on Equity (ROE) | 1.6318% | 5,724 |
| Retained earnings to average equity (ytd only) | 1.6318% | 5,137 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1946% | 1,116 |
| Assets per employee ($millions) | 5.1062% | 2,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1715% | 7,647 |
| Loan loss allowance to noncurrent loans | 522.2222% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 7,377 |
| Noncurrent loans to loans | 0.0328% | 7,166 |
| Net loans and leases to total assets | 7.4433% | 7,697 |
| Net loans and leases to deposits | 9.0806% | 7,706 |
| Net loans and leases to core deposits | 10.3484% | 7,688 |
| Total domestic deposits to total assets | 81.9696% | 5,009 |
| Equity capital to assets | 13.3585% | 1,415 |
| Core capital (leverage) ratio | 13.7333% | 987 |
| Tier 1 risk-based capital ratio | 32.3407% | 423 |
| Total risk-based capital ratio | 32.3721% | 461 |
| Memoranda: | ||
| Average total assets | $421,724,000 | 1,598 |
| Average earning assets | $390,494,000 | 1,569 |
| Average equity | $48,615,000 | 1,384 |
| Average total loans | $24,925,250 | 6,762 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4845% | 7,785 |
| Cost of funding earning assets | 0.1538% | 7,762 |
| Net interest margin | 1.3307% | 7,756 |
| Noninterest income to average assets | 3.2127% | 206 |
| Noninterest expense to average assets | 4.0814% | 943 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.1909% | 5,593 |
| Return on assets (ROA) | 0.1947% | 5,706 |
| Pretax return on assets | 0.3648% | 5,327 |
| Return on Equity (ROE) | 1.7668% | 5,704 |
| Retained earnings to average equity (ytd only) | 1.7668% | 4,981 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9185% | 1,192 |
| Assets per employee ($millions) | 6.8584% | 815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1729% | 7,717 |
| Loan loss allowance to noncurrent loans | 162.0690% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 7,409 |
| Noncurrent loans to loans | 0.1067% | 7,053 |
| Net loans and leases to total assets | 5.7340% | 7,768 |
| Net loans and leases to deposits | 10.5965% | 7,768 |
| Net loans and leases to core deposits | 12.3317% | 7,751 |
| Total domestic deposits to total assets | 54.1120% | 7,718 |
| Equity capital to assets | 10.3011% | 3,649 |
| Core capital (leverage) ratio | 12.6332% | 1,355 |
| Tier 1 risk-based capital ratio | 32.4148% | 410 |
| Total risk-based capital ratio | 32.4465% | 442 |
| Memoranda: | ||
| Average total assets | $439,750,330 | 1,553 |
| Average earning assets | $405,648,000 | 1,525 |
| Average equity | $48,449,330 | 1,385 |
| Average total loans | $24,096,330 | 6,857 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5306% | 7,890 |
| Cost of funding earning assets | 0.1632% | 7,862 |
| Net interest margin | 1.3675% | 7,851 |
| Noninterest income to average assets | 3.3588% | 191 |
| Noninterest expense to average assets | 4.2193% | 789 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.2024% | 5,679 |
| Return on assets (ROA) | 0.2024% | 5,795 |
| Pretax return on assets | 0.3915% | 5,324 |
| Return on Equity (ROE) | 1.7723% | 5,849 |
| Retained earnings to average equity (ytd only) | 1.7723% | 5,049 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5094% | 1,316 |
| Assets per employee ($millions) | 5.7146% | 1,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1737% | 7,820 |
| 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 | 6.3886% | 7,870 |
| Net loans and leases to deposits | 8.8283% | 7,873 |
| Net loans and leases to core deposits | 9.9864% | 7,857 |
| Total domestic deposits to total assets | 72.3647% | 7,230 |
| Equity capital to assets | 11.4529% | 2,401 |
| Core capital (leverage) ratio | 12.1019% | 1,597 |
| Tier 1 risk-based capital ratio | 31.4832% | 452 |
| Total risk-based capital ratio | 31.5140% | 500 |
| Memoranda: | ||
| Average total assets | $423,009,000 | 1,649 |
| Average earning assets | $387,286,500 | 1,639 |
| Average equity | $48,300,000 | 1,397 |
| Average total loans | $22,553,500 | 7,019 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7115% | 7,941 |
| Cost of funding earning assets | 0.2037% | 7,939 |
| Net interest margin | 1.5078% | 7,865 |
| Noninterest income to average assets | 3.6695% | 185 |
| Noninterest expense to average assets | 4.5322% | 773 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.3284% | 4,422 |
| Return on assets (ROA) | 0.3284% | 4,508 |
| Pretax return on assets | 0.5288% | 4,110 |
| Return on Equity (ROE) | 2.5550% | 4,686 |
| Retained earnings to average equity (ytd only) | -3.5721% | 5,805 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5523% | 1,744 |
| Assets per employee ($millions) | 5.7181% | 1,447 |
| Cash dividends to net income (ytd only)* | 239.8082% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2605% | 7,849 |
| Loan loss allowance to noncurrent loans | 167.8571% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 0.0066% | 7,519 |
| Noncurrent loans to loans | 0.1552% | 7,039 |
| Net loans and leases to total assets | 4.2532% | 7,951 |
| Net loans and leases to deposits | 6.0054% | 7,954 |
| Net loans and leases to core deposits | 6.8282% | 7,949 |
| Total domestic deposits to total assets | 70.8228% | 7,352 |
| Equity capital to assets | 11.3835% | 2,407 |
| Core capital (leverage) ratio | 11.4648% | 1,935 |
| Tier 1 risk-based capital ratio | 34.6438% | 351 |
| Total risk-based capital ratio | 34.6779% | 383 |
| Memoranda: | ||
| Average total assets | $380,895,400 | 1,795 |
| Average earning assets | $351,498,200 | 1,775 |
| Average equity | $48,962,200 | 1,373 |
| Average total loans | $19,114,000 | 7,249 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7668% | 8,039 |
| Cost of funding earning assets | 0.2089% | 8,027 |
| Net interest margin | 1.5579% | 7,941 |
| Noninterest income to average assets | 3.7446% | 175 |
| Noninterest expense to average assets | 4.7311% | 597 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.2513% | 4,984 |
| Return on assets (ROA) | 0.2513% | 5,066 |
| Pretax return on assets | 0.4583% | 4,647 |
| Return on Equity (ROE) | 1.8931% | 5,205 |
| Retained earnings to average equity (ytd only) | -6.2433% | 6,415 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1683% | 1,600 |
| Assets per employee ($millions) | 5.9486% | 1,247 |
| Cash dividends to net income (ytd only)* | 429.8010% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2324% | 7,954 |
| Loan loss allowance to noncurrent loans | 162.0690% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 0.0067% | 7,584 |
| Noncurrent loans to loans | 0.1434% | 7,120 |
| Net loans and leases to total assets | 4.6471% | 8,034 |
| Net loans and leases to deposits | 6.9518% | 8,038 |
| Net loans and leases to core deposits | 7.9461% | 8,029 |
| Total domestic deposits to total assets | 66.8477% | 7,643 |
| Equity capital to assets | 10.9732% | 3,037 |
| Core capital (leverage) ratio | 11.5450% | 2,051 |
| Tier 1 risk-based capital ratio | 38.3656% | 309 |
| Total risk-based capital ratio | 38.4038% | 324 |
| Memoranda: | ||
| Average total assets | $370,334,750 | 1,853 |
| Average earning assets | $343,441,000 | 1,835 |
| Average equity | $49,160,750 | 1,390 |
| Average total loans | $19,381,500 | 7,295 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8436% | 8,132 |
| Cost of funding earning assets | 0.2267% | 8,123 |
| Net interest margin | 1.6170% | 7,985 |
| Noninterest income to average assets | 3.9292% | 169 |
| Noninterest expense to average assets | 5.1360% | 469 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.1564% | 5,399 |
| Return on assets (ROA) | 0.1564% | 5,494 |
| Pretax return on assets | 0.2974% | 5,219 |
| Return on Equity (ROE) | 1.0994% | 5,611 |
| Retained earnings to average equity (ytd only) | 1.0994% | 4,721 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5265% | 1,465 |
| Assets per employee ($millions) | 4.5900% | 2,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2502% | 8,027 |
| Loan loss allowance to noncurrent loans | 174.0741% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 0.0078% | 7,629 |
| Noncurrent loans to loans | 0.1437% | 7,158 |
| Net loans and leases to total assets | 5.4434% | 8,125 |
| Net loans and leases to deposits | 7.4162% | 8,129 |
| Net loans and leases to core deposits | 8.6715% | 8,118 |
| Total domestic deposits to total assets | 73.3991% | 7,050 |
| Equity capital to assets | 14.5187% | 1,161 |
| Core capital (leverage) ratio | 13.2842% | 1,337 |
| Tier 1 risk-based capital ratio | 39.4322% | 322 |
| Total risk-based capital ratio | 39.4694% | 336 |
| Memoranda: | ||
| Average total assets | $349,029,670 | 1,982 |
| Average earning assets | $324,683,670 | 1,952 |
| Average equity | $49,664,000 | 1,390 |
| Average total loans | $19,099,670 | 7,389 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8301% | 8,190 |
| Cost of funding earning assets | 0.2481% | 8,168 |
| Net interest margin | 1.5820% | 8,039 |
| Noninterest income to average assets | 3.6515% | 175 |
| Noninterest expense to average assets | 5.1175% | 445 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.0102% | 6,271 |
| Return on assets (ROA) | -0.0102% | 6,412 |
| Pretax return on assets | 0.0216% | 6,337 |
| Return on Equity (ROE) | -0.0727% | 6,417 |
| Retained earnings to average equity (ytd only) | -0.0727% | 5,665 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5792% | 1,149 |
| Assets per employee ($millions) | 4.0451% | 3,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2485% | 8,072 |
| Loan loss allowance to noncurrent loans | 18.1467% | 7,255 |
| Noncurrent assets plus other real estate owned to assets | 0.0854% | 7,339 |
| Noncurrent loans to loans | 1.3694% | 4,263 |
| Net loans and leases to total assets | 6.2189% | 8,173 |
| Net loans and leases to deposits | 7.9938% | 8,181 |
| Net loans and leases to core deposits | 9.4799% | 8,167 |
| Total domestic deposits to total assets | 77.7972% | 6,080 |
| Equity capital to assets | 16.3221% | 821 |
| Core capital (leverage) ratio | 12.2506% | 1,789 |
| Tier 1 risk-based capital ratio | 45.1624% | 249 |
| Total risk-based capital ratio | 45.2053% | 262 |
| Memoranda: | ||
| Average total assets | $351,418,500 | 1,976 |
| Average earning assets | $330,467,000 | 1,917 |
| Average equity | $49,505,500 | 1,390 |
| Average total loans | $19,256,500 | 7,419 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0981% | 8,169 |
| Cost of funding earning assets | 0.6961% | 8,151 |
| Net interest margin | 2.4020% | 7,845 |
| Noninterest income to average assets | 5.7621% | 111 |
| Noninterest expense to average assets | 6.1225% | 389 |
| Loan and lease loss provision to assets | -0.0278% | 8,222 |
| Net operating income to assets | 1.0923% | 2,174 |
| Return on assets (ROA) | 1.0938% | 2,087 |
| Pretax return on assets | 1.8566% | 842 |
| Return on Equity (ROE) | 7.1409% | 3,455 |
| Retained earnings to average equity (ytd only) | 7.1409% | 1,107 |
| Net charge-offs to loans | 0.0147% | 6,688 |
| Credit loss provision to net charge-offs | -2,900.0000% | 7,498 |
| Earnings coverage of net charge-offs (x) | 1,902.0000% | 11 |
| Efficiency ratio | 77.0225% | 3,073 |
| Assets per employee ($millions) | 4.5915% | 2,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2398% | 8,132 |
| Loan loss allowance to noncurrent loans | 23.3831% | 7,077 |
| Noncurrent assets plus other real estate owned to assets | 0.0503% | 7,378 |
| Noncurrent loans to loans | 1.0256% | 4,535 |
| Net loans and leases to total assets | 4.8946% | 8,230 |
| Net loans and leases to deposits | 7.3671% | 8,236 |
| Net loans and leases to core deposits | 8.5922% | 8,228 |
| Total domestic deposits to total assets | 66.4392% | 7,625 |
| Equity capital to assets | 12.3901% | 2,070 |
| Core capital (leverage) ratio | 12.4358% | 1,779 |
| Tier 1 risk-based capital ratio | 46.5265% | 244 |
| Total risk-based capital ratio | 46.5707% | 255 |
| Memoranda: | ||
| Average total assets | $312,403,800 | 2,138 |
| Average earning assets | $284,435,000 | 2,145 |
| Average equity | $47,851,000 | 1,432 |
| Average total loans | $20,427,200 | 7,304 |