Home > Piscataqua Savings Bank > Performance and Condition Ratios
Piscataqua Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2720% | 4,459 |
| Cost of funding earning assets | 1.7148% | 1,418 |
| Net interest margin | 1.5571% | 4,500 |
| Noninterest income to average assets | 0.7500% | 1,059 |
| Noninterest expense to average assets | 2.1603% | 3,221 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0269% | 4,307 |
| Return on assets (ROA) | 0.0112% | 4,345 |
| Pretax return on assets | 0.0055% | 4,336 |
| Return on Equity (ROE) | 0.1100% | 4,335 |
| Retained earnings to average equity (ytd only) | 0.1063% | 4,022 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 98.9066% | 205 |
| Assets per employee ($millions) | 9.2411% | 903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8339% | 3,881 |
| Loan loss allowance to noncurrent loans | 988.4393% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.0493% | 3,270 |
| Noncurrent loans to loans | 0.0844% | 3,122 |
| Net loans and leases to total assets | 57.9100% | 3,044 |
| Net loans and leases to deposits | 65.6334% | 3,196 |
| Net loans and leases to core deposits | 81.6478% | 2,610 |
| Total domestic deposits to total assets | 88.2300% | 1,277 |
| Equity capital to assets | 11.4354% | 1,315 |
| Core capital (leverage) ratio | 14.6243% | 683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $364,805,200 | 2,134 |
| Average earning assets | $335,425,800 | 2,149 |
| Average equity | $38,568,000 | 1,927 |
| Average total loans | $208,028,200 | 2,237 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2035% | 4,481 |
| Cost of funding earning assets | 1.6130% | 1,350 |
| Net interest margin | 1.5905% | 4,513 |
| Noninterest income to average assets | 0.7600% | 1,028 |
| Noninterest expense to average assets | 2.1603% | 3,184 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.0887% | 4,329 |
| Return on assets (ROA) | 0.0681% | 4,360 |
| Pretax return on assets | 0.0170% | 4,376 |
| Return on Equity (ROE) | 0.6600% | 4,349 |
| Retained earnings to average equity (ytd only) | 0.6567% | 4,020 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 97.1643% | 214 |
| Assets per employee ($millions) | 9.4716% | 792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8559% | 3,858 |
| Loan loss allowance to noncurrent loans | 176.4414% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 0.2795% | 1,888 |
| Noncurrent loans to loans | 0.4851% | 1,612 |
| Net loans and leases to total assets | 57.1300% | 3,105 |
| Net loans and leases to deposits | 63.9094% | 3,275 |
| Net loans and leases to core deposits | 79.6699% | 2,627 |
| Total domestic deposits to total assets | 89.3900% | 1,120 |
| Equity capital to assets | 10.2490% | 1,669 |
| Core capital (leverage) ratio | 14.6059% | 692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $368,215,750 | 2,128 |
| Average earning assets | $338,664,750 | 2,138 |
| Average equity | $38,170,750 | 1,929 |
| Average total loans | $208,770,750 | 2,233 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1693% | 4,504 |
| Cost of funding earning assets | 1.5064% | 1,227 |
| Net interest margin | 1.6629% | 4,561 |
| Noninterest income to average assets | 0.7700% | 930 |
| Noninterest expense to average assets | 2.1661% | 3,179 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.1294% | 4,346 |
| Return on assets (ROA) | 0.0987% | 4,394 |
| Pretax return on assets | 0.0787% | 4,407 |
| Return on Equity (ROE) | 0.9500% | 4,377 |
| Retained earnings to average equity (ytd only) | 0.9482% | 3,924 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 94.0543% | 262 |
| Assets per employee ($millions) | 9.4889% | 782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8262% | 3,958 |
| Loan loss allowance to noncurrent loans | 1,611.0092% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.0302% | 3,485 |
| Noncurrent loans to loans | 0.0513% | 3,337 |
| Net loans and leases to total assets | 58.4500% | 2,923 |
| Net loans and leases to deposits | 65.6053% | 3,085 |
| Net loans and leases to core deposits | 81.5438% | 2,367 |
| Total domestic deposits to total assets | 89.1000% | 1,221 |
| Equity capital to assets | 10.5547% | 1,573 |
| Core capital (leverage) ratio | 14.4720% | 681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $370,981,333 | 2,119 |
| Average earning assets | $341,333,667 | 2,133 |
| Average equity | $38,598,333 | 1,919 |
| Average total loans | $209,231,667 | 2,227 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1672% | 4,505 |
| Cost of funding earning assets | 1.4260% | 982 |
| Net interest margin | 1.7412% | 4,613 |
| Noninterest income to average assets | 0.7000% | 1,089 |
| Noninterest expense to average assets | 2.1596% | 3,226 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.1255% | 4,415 |
| Return on assets (ROA) | 0.1031% | 4,404 |
| Pretax return on assets | 0.0883% | 4,411 |
| Return on Equity (ROE) | 1.0000% | 4,382 |
| Retained earnings to average equity (ytd only) | 0.9982% | 3,865 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 93.2657% | 276 |
| Assets per employee ($millions) | 9.7737% | 745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8297% | 4,035 |
| Loan loss allowance to noncurrent loans | 692.4000% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 0.0673% | 3,126 |
| Noncurrent loans to loans | 0.1198% | 2,915 |
| Net loans and leases to total assets | 55.7000% | 3,058 |
| Net loans and leases to deposits | 62.5206% | 3,194 |
| Net loans and leases to core deposits | 76.0706% | 2,526 |
| Total domestic deposits to total assets | 89.1000% | 1,509 |
| Equity capital to assets | 10.5621% | 1,539 |
| Core capital (leverage) ratio | 13.7911% | 772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $376,183,500 | 2,119 |
| Average earning assets | $346,422,000 | 2,137 |
| Average equity | $38,868,500 | 1,933 |
| Average total loans | $207,583,500 | 2,252 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6372% | 4,440 |
| Cost of funding earning assets | 0.5879% | 950 |
| Net interest margin | 2.0494% | 4,542 |
| Noninterest income to average assets | 0.7800% | 1,052 |
| Noninterest expense to average assets | 2.1108% | 3,259 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.4325% | 4,202 |
| Return on assets (ROA) | 0.4323% | 4,166 |
| Pretax return on assets | 0.5015% | 4,170 |
| Return on Equity (ROE) | 3.7500% | 4,195 |
| Retained earnings to average equity (ytd only) | 3.7473% | 3,481 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 79.1462% | 780 |
| Assets per employee ($millions) | 10.0254% | 668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8531% | 3,910 |
| Loan loss allowance to noncurrent loans | 616.0839% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 0.0751% | 3,040 |
| Noncurrent loans to loans | 0.1385% | 2,821 |
| Net loans and leases to total assets | 53.7500% | 3,221 |
| Net loans and leases to deposits | 60.0186% | 3,322 |
| Net loans and leases to core deposits | 73.9071% | 2,569 |
| Total domestic deposits to total assets | 89.5600% | 1,532 |
| Equity capital to assets | 10.1083% | 1,660 |
| Core capital (leverage) ratio | 14.1419% | 703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $358,344,600 | 2,185 |
| Average earning assets | $330,004,800 | 2,197 |
| Average equity | $41,336,400 | 1,876 |
| Average total loans | $194,313,400 | 2,278 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5382% | 4,432 |
| Cost of funding earning assets | 0.4346% | 1,076 |
| Net interest margin | 2.1036% | 4,515 |
| Noninterest income to average assets | 0.8100% | 1,010 |
| Noninterest expense to average assets | 2.0690% | 3,297 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.5360% | 3,998 |
| Return on assets (ROA) | 0.5485% | 3,915 |
| Pretax return on assets | 0.6336% | 3,927 |
| Return on Equity (ROE) | 4.6000% | 4,059 |
| Retained earnings to average equity (ytd only) | 4.6015% | 3,242 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 75.3234% | 1,135 |
| Assets per employee ($millions) | 9.1586% | 839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8532% | 3,979 |
| Loan loss allowance to noncurrent loans | 441.5385% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 0.1092% | 2,867 |
| Noncurrent loans to loans | 0.1932% | 2,633 |
| Net loans and leases to total assets | 56.0300% | 2,900 |
| Net loans and leases to deposits | 62.7946% | 2,962 |
| Net loans and leases to core deposits | 71.4893% | 2,529 |
| Total domestic deposits to total assets | 89.2200% | 1,992 |
| Equity capital to assets | 10.4473% | 1,398 |
| Core capital (leverage) ratio | 14.7859% | 566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $352,689,500 | 2,228 |
| Average earning assets | $324,895,000 | 2,232 |
| Average equity | $42,043,250 | 1,884 |
| Average total loans | $191,254,500 | 2,299 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4772% | 4,396 |
| Cost of funding earning assets | 0.3987% | 929 |
| Net interest margin | 2.0785% | 4,521 |
| Noninterest income to average assets | 0.8446% | 954 |
| Noninterest expense to average assets | 2.0502% | 3,294 |
| Loan and lease loss provision to assets | 0.0313% | 2,026 |
| Net operating income to assets | 0.5861% | 3,666 |
| Return on assets (ROA) | 0.6042% | 3,565 |
| Pretax return on assets | 0.7022% | 3,566 |
| Return on Equity (ROE) | 4.8649% | 3,841 |
| Retained earnings to average equity (ytd only) | 4.8649% | 2,753 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2115% | 1,486 |
| Assets per employee ($millions) | 9.0609% | 861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8515% | 4,083 |
| Loan loss allowance to noncurrent loans | 911.2360% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.0504% | 3,485 |
| Noncurrent loans to loans | 0.0934% | 3,304 |
| Net loans and leases to total assets | 53.4459% | 3,012 |
| Net loans and leases to deposits | 63.2019% | 2,789 |
| Net loans and leases to core deposits | 67.4373% | 2,703 |
| Total domestic deposits to total assets | 84.5638% | 3,574 |
| Equity capital to assets | 11.4317% | 1,051 |
| Core capital (leverage) ratio | 14.6308% | 525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $351,191,333 | 2,248 |
| Average earning assets | $324,075,000 | 2,256 |
| Average equity | $43,619,000 | 1,873 |
| Average total loans | $187,726,333 | 2,322 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4090% | 4,370 |
| Cost of funding earning assets | 0.3968% | 891 |
| Net interest margin | 2.0122% | 4,507 |
| Noninterest income to average assets | 0.7918% | 1,066 |
| Noninterest expense to average assets | 1.8760% | 3,733 |
| Loan and lease loss provision to assets | 0.0628% | 1,286 |
| Net operating income to assets | 0.5837% | 3,452 |
| Return on assets (ROA) | 0.6193% | 3,316 |
| Pretax return on assets | 0.7564% | 3,238 |
| Return on Equity (ROE) | 4.7933% | 3,672 |
| Retained earnings to average equity (ytd only) | 4.7933% | 2,668 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7454% | 2,128 |
| Assets per employee ($millions) | 8.8064% | 983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8584% | 4,132 |
| Loan loss allowance to noncurrent loans | 192.6366% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 0.2390% | 2,205 |
| Noncurrent loans to loans | 0.4456% | 1,913 |
| Net loans and leases to total assets | 53.1802% | 2,858 |
| Net loans and leases to deposits | 62.0021% | 2,720 |
| Net loans and leases to core deposits | 66.3865% | 2,600 |
| Total domestic deposits to total assets | 85.7717% | 3,326 |
| Equity capital to assets | 12.1565% | 901 |
| Core capital (leverage) ratio | 14.5738% | 499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $350,099,000 | 2,254 |
| Average earning assets | $323,623,000 | 2,272 |
| Average equity | $45,230,000 | 1,882 |
| Average total loans | $186,346,000 | 2,323 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4022% | 4,539 |
| Cost of funding earning assets | 0.5107% | 882 |
| Net interest margin | 1.8915% | 4,639 |
| Noninterest income to average assets | 0.8988% | 1,199 |
| Noninterest expense to average assets | 2.1891% | 3,118 |
| Loan and lease loss provision to assets | -0.0160% | 4,202 |
| Net operating income to assets | 0.4017% | 4,274 |
| Return on assets (ROA) | 0.4027% | 4,305 |
| Pretax return on assets | 0.4811% | 4,281 |
| Return on Equity (ROE) | 2.8710% | 4,384 |
| Retained earnings to average equity (ytd only) | 2.8710% | 3,693 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5142% | 646 |
| Assets per employee ($millions) | 8.9216% | 947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8528% | 4,169 |
| Loan loss allowance to noncurrent loans | 167.0576% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 0.2696% | 2,201 |
| Noncurrent loans to loans | 0.5105% | 1,844 |
| Net loans and leases to total assets | 52.3571% | 3,018 |
| Net loans and leases to deposits | 61.1331% | 2,978 |
| Net loans and leases to core deposits | 65.6103% | 2,853 |
| Total domestic deposits to total assets | 85.6445% | 3,039 |
| Equity capital to assets | 13.6913% | 724 |
| Core capital (leverage) ratio | 14.4359% | 553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $338,216,000 | 2,255 |
| Average earning assets | $313,668,800 | 2,263 |
| Average equity | $47,440,200 | 1,846 |
| Average total loans | $182,913,000 | 2,360 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4135% | 4,621 |
| Cost of funding earning assets | 0.5367% | 886 |
| Net interest margin | 1.8768% | 4,723 |
| Noninterest income to average assets | 0.8803% | 1,291 |
| Noninterest expense to average assets | 2.1446% | 3,235 |
| Loan and lease loss provision to assets | -0.0295% | 4,392 |
| Net operating income to assets | 0.4226% | 4,337 |
| Return on assets (ROA) | 0.4292% | 4,361 |
| Pretax return on assets | 0.5142% | 4,353 |
| Return on Equity (ROE) | 3.0413% | 4,460 |
| Retained earnings to average equity (ytd only) | 3.0413% | 3,895 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6113% | 604 |
| Assets per employee ($millions) | 8.4650% | 1,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8489% | 4,279 |
| Loan loss allowance to noncurrent loans | 176.3968% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 0.2590% | 2,475 |
| Noncurrent loans to loans | 0.4813% | 2,114 |
| Net loans and leases to total assets | 53.3621% | 3,038 |
| Net loans and leases to deposits | 62.6567% | 2,982 |
| Net loans and leases to core deposits | 66.8206% | 2,880 |
| Total domestic deposits to total assets | 85.1659% | 3,061 |
| Equity capital to assets | 14.0908% | 717 |
| Core capital (leverage) ratio | 14.5812% | 543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $335,784,250 | 2,283 |
| Average earning assets | $311,513,750 | 2,296 |
| Average equity | $47,390,750 | 1,864 |
| Average total loans | $182,706,250 | 2,404 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4356% | 4,657 |
| Cost of funding earning assets | 0.5647% | 891 |
| Net interest margin | 1.8709% | 4,766 |
| Noninterest income to average assets | 0.9061% | 1,259 |
| Noninterest expense to average assets | 2.1849% | 3,139 |
| Loan and lease loss provision to assets | -0.0550% | 4,536 |
| Net operating income to assets | 0.4191% | 4,347 |
| Return on assets (ROA) | 0.4289% | 4,374 |
| Pretax return on assets | 0.5256% | 4,341 |
| Return on Equity (ROE) | 3.0370% | 4,471 |
| Retained earnings to average equity (ytd only) | 3.0370% | 3,826 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0036% | 547 |
| Assets per employee ($millions) | 8.1722% | 1,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8388% | 4,302 |
| Loan loss allowance to noncurrent loans | 154.2047% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 0.2946% | 2,448 |
| Noncurrent loans to loans | 0.5439% | 2,041 |
| Net loans and leases to total assets | 53.7005% | 3,164 |
| Net loans and leases to deposits | 63.2104% | 3,081 |
| Net loans and leases to core deposits | 67.2403% | 3,016 |
| Total domestic deposits to total assets | 84.9552% | 3,117 |
| Equity capital to assets | 14.2768% | 663 |
| Core capital (leverage) ratio | 14.4485% | 548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $334,846,333 | 2,280 |
| Average earning assets | $310,969,667 | 2,282 |
| Average equity | $47,284,000 | 1,859 |
| Average total loans | $182,865,000 | 2,418 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4311% | 4,697 |
| Cost of funding earning assets | 0.5889% | 921 |
| Net interest margin | 1.8423% | 4,796 |
| Noninterest income to average assets | 0.8544% | 1,451 |
| Noninterest expense to average assets | 2.0075% | 3,692 |
| Loan and lease loss provision to assets | -0.0872% | 4,706 |
| Net operating income to assets | 0.5191% | 4,137 |
| Return on assets (ROA) | 0.5258% | 4,163 |
| Pretax return on assets | 0.6584% | 4,099 |
| Return on Equity (ROE) | 3.7440% | 4,334 |
| Retained earnings to average equity (ytd only) | 3.7440% | 3,578 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7304% | 838 |
| Assets per employee ($millions) | 8.4810% | 994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8674% | 4,254 |
| Loan loss allowance to noncurrent loans | 128.5238% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 0.3534% | 2,389 |
| Noncurrent loans to loans | 0.6749% | 1,899 |
| Net loans and leases to total assets | 51.9135% | 3,454 |
| Net loans and leases to deposits | 60.6520% | 3,437 |
| Net loans and leases to core deposits | 64.8389% | 3,329 |
| Total domestic deposits to total assets | 85.5925% | 2,895 |
| Equity capital to assets | 13.7626% | 726 |
| Core capital (leverage) ratio | 14.5812% | 550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $334,739,500 | 2,262 |
| Average earning assets | $311,789,500 | 2,260 |
| Average equity | $47,008,000 | 1,859 |
| Average total loans | $183,572,000 | 2,415 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8839% | 4,709 |
| Cost of funding earning assets | 0.8085% | 1,172 |
| Net interest margin | 2.0754% | 4,808 |
| Noninterest income to average assets | 0.8398% | 1,417 |
| Noninterest expense to average assets | 2.3739% | 3,194 |
| Loan and lease loss provision to assets | -0.0048% | 4,902 |
| Net operating income to assets | 0.4213% | 4,206 |
| Return on assets (ROA) | 0.4832% | 4,147 |
| Pretax return on assets | 0.4765% | 4,309 |
| Return on Equity (ROE) | 3.2451% | 4,318 |
| Retained earnings to average equity (ytd only) | 3.2451% | 3,208 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4007% | 600 |
| Assets per employee ($millions) | 8.6905% | 834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8554% | 4,311 |
| Loan loss allowance to noncurrent loans | 123.8350% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 0.3964% | 2,400 |
| Noncurrent loans to loans | 0.6908% | 1,962 |
| Net loans and leases to total assets | 56.8892% | 3,214 |
| Net loans and leases to deposits | 66.9827% | 3,185 |
| Net loans and leases to core deposits | 71.9302% | 3,078 |
| Total domestic deposits to total assets | 84.9313% | 2,791 |
| Equity capital to assets | 14.3314% | 723 |
| Core capital (leverage) ratio | 14.7385% | 552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $310,210,600 | 2,240 |
| Average earning assets | $290,547,600 | 2,224 |
| Average equity | $46,193,000 | 1,806 |
| Average total loans | $191,263,000 | 2,316 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9706% | 4,753 |
| Cost of funding earning assets | 0.8637% | 1,195 |
| Net interest margin | 2.1069% | 4,849 |
| Noninterest income to average assets | 0.8178% | 1,430 |
| Noninterest expense to average assets | 2.3324% | 3,332 |
| Loan and lease loss provision to assets | 0.0131% | 4,147 |
| Net operating income to assets | 0.4770% | 4,095 |
| Return on assets (ROA) | 0.5260% | 4,061 |
| Pretax return on assets | 0.4928% | 4,293 |
| Return on Equity (ROE) | 3.4967% | 4,289 |
| Retained earnings to average equity (ytd only) | 3.4967% | 3,304 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5059% | 706 |
| Assets per employee ($millions) | 8.0172% | 988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8517% | 4,221 |
| Loan loss allowance to noncurrent loans | 268.2770% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 0.1936% | 3,465 |
| Noncurrent loans to loans | 0.3175% | 3,147 |
| Net loans and leases to total assets | 60.4797% | 3,171 |
| Net loans and leases to deposits | 71.5399% | 3,179 |
| Net loans and leases to core deposits | 76.9210% | 3,100 |
| Total domestic deposits to total assets | 84.5398% | 2,612 |
| Equity capital to assets | 14.7168% | 695 |
| Core capital (leverage) ratio | 15.3471% | 484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $305,203,250 | 2,246 |
| Average earning assets | $285,587,500 | 2,237 |
| Average equity | $45,909,250 | 1,808 |
| Average total loans | $191,705,750 | 2,311 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0655% | 4,804 |
| Cost of funding earning assets | 0.9327% | 1,227 |
| Net interest margin | 2.1328% | 4,909 |
| Noninterest income to average assets | 0.8299% | 1,345 |
| Noninterest expense to average assets | 2.4637% | 3,062 |
| Loan and lease loss provision to assets | -0.0133% | 5,004 |
| Net operating income to assets | 0.4553% | 4,121 |
| Return on assets (ROA) | 0.4946% | 4,107 |
| Pretax return on assets | 0.4126% | 4,394 |
| Return on Equity (ROE) | 3.2629% | 4,294 |
| Retained earnings to average equity (ytd only) | 3.2629% | 3,284 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1039% | 579 |
| Assets per employee ($millions) | 7.4954% | 1,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8542% | 4,178 |
| Loan loss allowance to noncurrent loans | 202.7604% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 0.2593% | 3,273 |
| Noncurrent loans to loans | 0.4213% | 2,897 |
| Net loans and leases to total assets | 61.0380% | 3,209 |
| Net loans and leases to deposits | 72.6144% | 3,201 |
| Net loans and leases to core deposits | 78.2310% | 3,086 |
| Total domestic deposits to total assets | 84.0578% | 2,734 |
| Equity capital to assets | 15.2094% | 587 |
| Core capital (leverage) ratio | 15.7930% | 466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $300,041,667 | 2,256 |
| Average earning assets | $280,472,333 | 2,247 |
| Average equity | $45,480,667 | 1,809 |
| Average total loans | $190,402,000 | 2,301 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1990% | 4,868 |
| Cost of funding earning assets | 1.0090% | 1,382 |
| Net interest margin | 2.1900% | 4,965 |
| Noninterest income to average assets | 0.7908% | 1,339 |
| Noninterest expense to average assets | 2.3792% | 3,581 |
| Loan and lease loss provision to assets | -0.0135% | 5,050 |
| Net operating income to assets | 0.3712% | 4,193 |
| Return on assets (ROA) | 0.3360% | 4,303 |
| Pretax return on assets | 0.4251% | 4,252 |
| Return on Equity (ROE) | 2.2207% | 4,401 |
| Retained earnings to average equity (ytd only) | 2.2207% | 3,361 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7720% | 1,259 |
| Assets per employee ($millions) | 7.4270% | 925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8567% | 4,258 |
| Loan loss allowance to noncurrent loans | 282.2917% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 0.1939% | 3,714 |
| Noncurrent loans to loans | 0.3035% | 3,412 |
| Net loans and leases to total assets | 63.3442% | 3,143 |
| Net loans and leases to deposits | 75.1317% | 3,159 |
| Net loans and leases to core deposits | 80.9149% | 3,119 |
| Total domestic deposits to total assets | 84.3110% | 2,667 |
| Equity capital to assets | 15.2942% | 712 |
| Core capital (leverage) ratio | 15.9895% | 522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $296,407,500 | 2,231 |
| Average earning assets | $276,713,000 | 2,216 |
| Average equity | $44,851,000 | 1,820 |
| Average total loans | $191,007,000 | 2,256 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3730% | 4,930 |
| Cost of funding earning assets | 1.0587% | 1,483 |
| Net interest margin | 2.3144% | 5,031 |
| Noninterest income to average assets | 0.8769% | 1,227 |
| Noninterest expense to average assets | 2.6081% | 3,154 |
| Loan and lease loss provision to assets | -0.0035% | 4,913 |
| Net operating income to assets | 0.3527% | 4,672 |
| Return on assets (ROA) | 0.3630% | 4,690 |
| Pretax return on assets | 0.4462% | 4,647 |
| Return on Equity (ROE) | 2.3702% | 4,759 |
| Retained earnings to average equity (ytd only) | 2.3702% | 3,836 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6381% | 563 |
| Assets per employee ($millions) | 7.3934% | 901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8512% | 4,150 |
| Loan loss allowance to noncurrent loans | 387.6777% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 0.1427% | 3,923 |
| Noncurrent loans to loans | 0.2196% | 3,665 |
| Net loans and leases to total assets | 64.4391% | 3,141 |
| Net loans and leases to deposits | 76.1877% | 3,160 |
| Net loans and leases to core deposits | 81.8356% | 3,141 |
| Total domestic deposits to total assets | 84.5794% | 2,651 |
| Equity capital to assets | 14.9681% | 801 |
| Core capital (leverage) ratio | 15.8925% | 539 |
| Tier 1 risk-based capital ratio | 25.7039% | 700 |
| Total risk-based capital ratio | 26.6383% | 707 |
| Memoranda: | ||
| Average total assets | $283,728,000 | 2,260 |
| Average earning assets | $264,953,400 | 2,246 |
| Average equity | $43,455,400 | 1,806 |
| Average total loans | $193,295,400 | 2,213 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4199% | 5,012 |
| Cost of funding earning assets | 1.0423% | 1,575 |
| Net interest margin | 2.3776% | 5,109 |
| Noninterest income to average assets | 0.8540% | 1,257 |
| Noninterest expense to average assets | 2.5334% | 3,338 |
| Loan and lease loss provision to assets | 0.0052% | 3,772 |
| Net operating income to assets | 0.4359% | 4,649 |
| Return on assets (ROA) | 0.4436% | 4,670 |
| Pretax return on assets | 0.5448% | 4,630 |
| Return on Equity (ROE) | 2.8791% | 4,782 |
| Retained earnings to average equity (ytd only) | 2.8791% | 3,941 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2002% | 745 |
| Assets per employee ($millions) | 7.2929% | 913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8500% | 4,226 |
| Loan loss allowance to noncurrent loans | 385.3488% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 0.1474% | 4,009 |
| Noncurrent loans to loans | 0.2206% | 3,753 |
| Net loans and leases to total assets | 66.2558% | 3,022 |
| Net loans and leases to deposits | 78.5010% | 3,052 |
| Net loans and leases to core deposits | 83.3745% | 3,144 |
| Total domestic deposits to total assets | 84.4012% | 2,674 |
| Equity capital to assets | 15.1381% | 811 |
| Core capital (leverage) ratio | 16.4095% | 510 |
| Tier 1 risk-based capital ratio | 26.2878% | 689 |
| Total risk-based capital ratio | 27.2573% | 692 |
| Memoranda: | ||
| Average total assets | $280,726,250 | 2,289 |
| Average earning assets | $262,110,000 | 2,274 |
| Average equity | $43,252,750 | 1,820 |
| Average total loans | $193,568,000 | 2,229 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4416% | 5,054 |
| Cost of funding earning assets | 1.0106% | 1,646 |
| Net interest margin | 2.4310% | 5,157 |
| Noninterest income to average assets | 0.8691% | 1,157 |
| Noninterest expense to average assets | 2.6203% | 3,147 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4196% | 4,700 |
| Return on assets (ROA) | 0.4295% | 4,700 |
| Pretax return on assets | 0.5306% | 4,653 |
| Return on Equity (ROE) | 2.7706% | 4,832 |
| Retained earnings to average equity (ytd only) | 2.7706% | 3,825 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3257% | 706 |
| Assets per employee ($millions) | 6.8361% | 1,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8586% | 4,240 |
| Loan loss allowance to noncurrent loans | 373.2426% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 0.1573% | 3,974 |
| Noncurrent loans to loans | 0.2300% | 3,718 |
| Net loans and leases to total assets | 67.8141% | 2,841 |
| Net loans and leases to deposits | 80.7410% | 2,879 |
| Net loans and leases to core deposits | 85.5528% | 2,992 |
| Total domestic deposits to total assets | 83.9896% | 2,872 |
| Equity capital to assets | 15.5801% | 691 |
| Core capital (leverage) ratio | 16.8238% | 451 |
| Tier 1 risk-based capital ratio | 26.9517% | 625 |
| Total risk-based capital ratio | 27.9489% | 635 |
| Memoranda: | ||
| Average total assets | $277,063,330 | 2,312 |
| Average earning assets | $258,656,670 | 2,305 |
| Average equity | $42,950,330 | 1,832 |
| Average total loans | $193,112,330 | 2,240 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4800% | 5,063 |
| Cost of funding earning assets | 0.9174% | 1,928 |
| Net interest margin | 2.5626% | 5,163 |
| Noninterest income to average assets | 0.8292% | 1,220 |
| Noninterest expense to average assets | 2.4207% | 3,715 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6354% | 4,137 |
| Return on assets (ROA) | 0.6549% | 4,112 |
| Pretax return on assets | 0.8263% | 3,978 |
| Return on Equity (ROE) | 4.2356% | 4,523 |
| Retained earnings to average equity (ytd only) | 4.2356% | 3,224 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0338% | 1,607 |
| Assets per employee ($millions) | 6.6943% | 1,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8513% | 4,341 |
| Loan loss allowance to noncurrent loans | 345.7983% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 0.1734% | 3,954 |
| Noncurrent loans to loans | 0.2462% | 3,682 |
| Net loans and leases to total assets | 69.8453% | 2,508 |
| Net loans and leases to deposits | 83.3082% | 2,467 |
| Net loans and leases to core deposits | 87.7801% | 2,711 |
| Total domestic deposits to total assets | 83.8396% | 3,103 |
| Equity capital to assets | 15.7122% | 620 |
| Core capital (leverage) ratio | 16.7074% | 455 |
| Tier 1 risk-based capital ratio | 26.7536% | 634 |
| Total risk-based capital ratio | 27.7454% | 645 |
| Memoranda: | ||
| Average total assets | $275,454,500 | 2,337 |
| Average earning assets | $257,242,500 | 2,335 |
| Average equity | $42,591,500 | 1,832 |
| Average total loans | $193,810,500 | 2,258 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4237% | 4,986 |
| Cost of funding earning assets | 0.7845% | 1,611 |
| Net interest margin | 2.6391% | 5,131 |
| Noninterest income to average assets | 0.8771% | 1,242 |
| Noninterest expense to average assets | 2.5826% | 3,389 |
| Loan and lease loss provision to assets | 0.0756% | 2,614 |
| Net operating income to assets | 0.5492% | 4,552 |
| Return on assets (ROA) | 0.5471% | 4,551 |
| Pretax return on assets | 0.6968% | 4,425 |
| Return on Equity (ROE) | 3.5862% | 4,800 |
| Retained earnings to average equity (ytd only) | 3.5862% | 3,609 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7432% | 1,259 |
| Assets per employee ($millions) | 6.7425% | 1,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8473% | 4,365 |
| Loan loss allowance to noncurrent loans | 322.1135% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 0.1848% | 3,883 |
| Noncurrent loans to loans | 0.2630% | 3,632 |
| Net loans and leases to total assets | 69.6807% | 2,616 |
| Net loans and leases to deposits | 84.6339% | 2,447 |
| Net loans and leases to core deposits | 89.1073% | 2,640 |
| Total domestic deposits to total assets | 82.3319% | 3,545 |
| Equity capital to assets | 15.2141% | 664 |
| Core capital (leverage) ratio | 16.6358% | 444 |
| Tier 1 risk-based capital ratio | 26.1654% | 656 |
| Total risk-based capital ratio | 27.1440% | 661 |
| Memoranda: | ||
| Average total assets | $271,241,800 | 2,321 |
| Average earning assets | $254,932,200 | 2,302 |
| Average equity | $41,381,400 | 1,803 |
| Average total loans | $182,852,400 | 2,310 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4173% | 5,016 |
| Cost of funding earning assets | 0.7454% | 1,604 |
| Net interest margin | 2.6719% | 5,185 |
| Noninterest income to average assets | 0.8930% | 1,222 |
| Noninterest expense to average assets | 2.4829% | 3,644 |
| Loan and lease loss provision to assets | 0.0815% | 2,322 |
| Net operating income to assets | 0.6582% | 4,343 |
| Return on assets (ROA) | 0.6554% | 4,367 |
| Pretax return on assets | 0.8411% | 4,191 |
| Return on Equity (ROE) | 4.2931% | 4,751 |
| Retained earnings to average equity (ytd only) | 4.2931% | 3,615 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6601% | 1,785 |
| Assets per employee ($millions) | 6.9062% | 971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8505% | 4,458 |
| Loan loss allowance to noncurrent loans | 575.6272% | 954 |
| Noncurrent assets plus other real estate owned to assets | 0.1010% | 4,469 |
| Noncurrent loans to loans | 0.1477% | 4,227 |
| Net loans and leases to total assets | 67.7775% | 2,978 |
| Net loans and leases to deposits | 82.1919% | 2,795 |
| Net loans and leases to core deposits | 86.3148% | 2,971 |
| Total domestic deposits to total assets | 82.4625% | 3,473 |
| Equity capital to assets | 15.0589% | 703 |
| Core capital (leverage) ratio | 16.6526% | 446 |
| Tier 1 risk-based capital ratio | 26.4316% | 654 |
| Total risk-based capital ratio | 27.4017% | 661 |
| Memoranda: | ||
| Average total assets | $269,942,000 | 2,342 |
| Average earning assets | $254,191,250 | 2,322 |
| Average equity | $41,212,250 | 1,816 |
| Average total loans | $179,997,500 | 2,342 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4487% | 4,977 |
| Cost of funding earning assets | 0.6817% | 1,728 |
| Net interest margin | 2.7670% | 5,161 |
| Noninterest income to average assets | 0.9050% | 1,168 |
| Noninterest expense to average assets | 2.5881% | 3,366 |
| Loan and lease loss provision to assets | 0.0814% | 2,280 |
| Net operating income to assets | 0.6366% | 4,391 |
| Return on assets (ROA) | 0.6325% | 4,410 |
| Pretax return on assets | 0.8401% | 4,135 |
| Return on Equity (ROE) | 4.1234% | 4,785 |
| Retained earnings to average equity (ytd only) | 4.1234% | 3,548 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5075% | 1,782 |
| Assets per employee ($millions) | 6.6360% | 1,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8462% | 4,564 |
| Loan loss allowance to noncurrent loans | 366.4303% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 0.1555% | 4,216 |
| Noncurrent loans to loans | 0.2309% | 3,885 |
| Net loans and leases to total assets | 66.7573% | 3,046 |
| Net loans and leases to deposits | 81.9683% | 2,773 |
| Net loans and leases to core deposits | 86.2127% | 2,903 |
| Total domestic deposits to total assets | 81.4428% | 3,879 |
| Equity capital to assets | 15.1460% | 663 |
| Core capital (leverage) ratio | 16.7906% | 419 |
| Tier 1 risk-based capital ratio | 26.6343% | 629 |
| Total risk-based capital ratio | 27.5883% | 635 |
| Memoranda: | ||
| Average total assets | $267,840,000 | 2,366 |
| Average earning assets | $252,616,330 | 2,338 |
| Average equity | $41,083,000 | 1,822 |
| Average total loans | $176,904,000 | 2,382 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6675% | 4,547 |
| Cost of funding earning assets | 0.6264% | 1,869 |
| Net interest margin | 3.0412% | 4,816 |
| Noninterest income to average assets | 0.8761% | 1,216 |
| Noninterest expense to average assets | 2.4943% | 3,667 |
| Loan and lease loss provision to assets | 0.0316% | 3,092 |
| Net operating income to assets | 0.9408% | 3,105 |
| Return on assets (ROA) | 0.9408% | 3,120 |
| Pretax return on assets | 1.2299% | 2,638 |
| Return on Equity (ROE) | 6.0946% | 4,127 |
| Retained earnings to average equity (ytd only) | 6.0946% | 2,665 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3327% | 3,102 |
| Assets per employee ($millions) | 6.6849% | 1,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8342% | 4,692 |
| Loan loss allowance to noncurrent loans | 339.2111% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 0.1612% | 4,277 |
| Noncurrent loans to loans | 0.2459% | 3,883 |
| Net loans and leases to total assets | 65.0000% | 3,178 |
| Net loans and leases to deposits | 77.4012% | 3,074 |
| Net loans and leases to core deposits | 80.9673% | 3,244 |
| Total domestic deposits to total assets | 83.9780% | 3,337 |
| Equity capital to assets | 15.3616% | 593 |
| Core capital (leverage) ratio | 16.9918% | 382 |
| Tier 1 risk-based capital ratio | 26.8880% | 621 |
| Total risk-based capital ratio | 27.7709% | 636 |
| Memoranda: | ||
| Average total assets | $265,721,000 | 2,395 |
| Average earning assets | $251,613,500 | 2,365 |
| Average equity | $41,020,000 | 1,830 |
| Average total loans | $173,765,000 | 2,427 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0053% | 5,351 |
| Cost of funding earning assets | 0.5720% | 1,812 |
| Net interest margin | 2.4333% | 5,443 |
| Noninterest income to average assets | 0.8785% | 1,332 |
| Noninterest expense to average assets | 2.7411% | 2,993 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.1988% | 5,113 |
| Return on assets (ROA) | 0.1992% | 5,128 |
| Pretax return on assets | 0.4671% | 4,979 |
| Return on Equity (ROE) | 1.2810% | 5,192 |
| Retained earnings to average equity (ytd only) | 1.2810% | 4,511 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0814% | 695 |
| Assets per employee ($millions) | 6.6012% | 1,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8365% | 4,712 |
| Loan loss allowance to noncurrent loans | 250.1736% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 0.2181% | 4,041 |
| Noncurrent loans to loans | 0.3344% | 3,568 |
| Net loans and leases to total assets | 64.6932% | 3,271 |
| Net loans and leases to deposits | 77.1020% | 3,217 |
| Net loans and leases to core deposits | 80.9578% | 3,341 |
| Total domestic deposits to total assets | 83.9060% | 3,243 |
| Equity capital to assets | 15.5138% | 585 |
| Core capital (leverage) ratio | 16.5911% | 405 |
| Tier 1 risk-based capital ratio | 27.9276% | 545 |
| Total risk-based capital ratio | 28.8443% | 553 |
| Memoranda: | ||
| Average total assets | $262,484,600 | 2,391 |
| Average earning assets | $251,222,800 | 2,340 |
| Average equity | $40,827,600 | 1,817 |
| Average total loans | $163,454,800 | 2,498 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9550% | 5,442 |
| Cost of funding earning assets | 0.5555% | 1,851 |
| Net interest margin | 2.3994% | 5,527 |
| Noninterest income to average assets | 0.8831% | 1,324 |
| Noninterest expense to average assets | 2.6702% | 3,162 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3741% | 5,059 |
| Return on assets (ROA) | 0.3759% | 5,079 |
| Pretax return on assets | 0.5158% | 4,994 |
| Return on Equity (ROE) | 2.4154% | 5,244 |
| Retained earnings to average equity (ytd only) | 2.4154% | 4,443 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5251% | 792 |
| Assets per employee ($millions) | 6.7046% | 1,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8578% | 4,728 |
| Loan loss allowance to noncurrent loans | 187.8748% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 0.2860% | 3,922 |
| Noncurrent loans to loans | 0.4566% | 3,338 |
| Net loans and leases to total assets | 62.0986% | 3,642 |
| Net loans and leases to deposits | 74.2159% | 3,539 |
| Net loans and leases to core deposits | 78.0880% | 3,625 |
| Total domestic deposits to total assets | 83.6728% | 3,237 |
| Equity capital to assets | 15.3939% | 652 |
| Core capital (leverage) ratio | 16.5491% | 422 |
| Tier 1 risk-based capital ratio | 28.0234% | 568 |
| Total risk-based capital ratio | 28.9488% | 574 |
| Memoranda: | ||
| Average total assets | $262,093,750 | 2,412 |
| Average earning assets | $251,277,250 | 2,360 |
| Average equity | $40,793,500 | 1,837 |
| Average total loans | $161,253,000 | 2,546 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9119% | 5,501 |
| Cost of funding earning assets | 0.5325% | 1,893 |
| Net interest margin | 2.3794% | 5,579 |
| Noninterest income to average assets | 0.8644% | 1,378 |
| Noninterest expense to average assets | 2.7893% | 2,803 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2499% | 5,322 |
| Return on assets (ROA) | 0.2515% | 5,336 |
| Pretax return on assets | 0.3661% | 5,243 |
| Return on Equity (ROE) | 1.6096% | 5,394 |
| Retained earnings to average equity (ytd only) | 1.6096% | 4,612 |
| Net charge-offs to loans | 0.1384% | 1,329 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 4.3000% | 2,950 |
| Efficiency ratio | 88.1220% | 539 |
| Assets per employee ($millions) | 6.4576% | 1,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8084% | 4,926 |
| Loan loss allowance to noncurrent loans | 233.0998% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 0.2157% | 4,296 |
| Noncurrent loans to loans | 0.3468% | 3,792 |
| Net loans and leases to total assets | 61.6819% | 3,668 |
| Net loans and leases to deposits | 73.6824% | 3,580 |
| Net loans and leases to core deposits | 77.3588% | 3,647 |
| Total domestic deposits to total assets | 83.7132% | 3,318 |
| Equity capital to assets | 15.4204% | 629 |
| Core capital (leverage) ratio | 16.6656% | 401 |
| Tier 1 risk-based capital ratio | 28.0183% | 547 |
| Total risk-based capital ratio | 28.8804% | 559 |
| Memoranda: | ||
| Average total assets | $260,063,330 | 2,439 |
| Average earning assets | $250,142,330 | 2,377 |
| Average equity | $40,630,000 | 1,844 |
| Average total loans | $159,010,670 | 2,578 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8755% | 5,558 |
| Cost of funding earning assets | 0.5062% | 2,037 |
| Net interest margin | 2.3693% | 5,630 |
| Noninterest income to average assets | 0.7776% | 1,630 |
| Noninterest expense to average assets | 2.6231% | 3,403 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3083% | 5,172 |
| Return on assets (ROA) | 0.3104% | 5,190 |
| Pretax return on assets | 0.4532% | 5,053 |
| Return on Equity (ROE) | 1.9738% | 5,340 |
| Retained earnings to average equity (ytd only) | 1.9738% | 4,343 |
| Net charge-offs to loans | 0.2817% | 641 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 2.6364% | 2,566 |
| Efficiency ratio | 85.2020% | 871 |
| Assets per employee ($millions) | 6.3092% | 1,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8230% | 5,000 |
| Loan loss allowance to noncurrent loans | 228.6942% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 0.2250% | 4,321 |
| Noncurrent loans to loans | 0.3599% | 3,803 |
| Net loans and leases to total assets | 62.0016% | 3,533 |
| Net loans and leases to deposits | 74.3125% | 3,369 |
| Net loans and leases to core deposits | 77.4515% | 3,521 |
| Total domestic deposits to total assets | 83.4335% | 3,681 |
| Equity capital to assets | 15.6831% | 545 |
| Core capital (leverage) ratio | 16.8617% | 372 |
| Tier 1 risk-based capital ratio | 28.2751% | 542 |
| Total risk-based capital ratio | 29.1471% | 551 |
| Memoranda: | ||
| Average total assets | $257,715,000 | 2,478 |
| Average earning assets | $249,694,500 | 2,397 |
| Average equity | $40,531,500 | 1,849 |
| Average total loans | $156,196,000 | 2,628 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8589% | 5,609 |
| Cost of funding earning assets | 0.4736% | 2,321 |
| Net interest margin | 2.3853% | 5,657 |
| Noninterest income to average assets | 0.8863% | 1,456 |
| Noninterest expense to average assets | 2.6579% | 3,493 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3756% | 5,016 |
| Return on assets (ROA) | 0.3765% | 5,096 |
| Pretax return on assets | 0.5405% | 4,947 |
| Return on Equity (ROE) | 2.2824% | 5,331 |
| Retained earnings to average equity (ytd only) | 2.2824% | 4,225 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6785% | 1,125 |
| Assets per employee ($millions) | 6.2622% | 1,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9564% | 4,546 |
| Loan loss allowance to noncurrent loans | 235.8429% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 0.2380% | 4,355 |
| Noncurrent loans to loans | 0.4055% | 3,695 |
| Net loans and leases to total assets | 58.1244% | 4,056 |
| Net loans and leases to deposits | 69.6995% | 3,939 |
| Net loans and leases to core deposits | 72.9139% | 4,017 |
| Total domestic deposits to total assets | 83.3929% | 3,631 |
| Equity capital to assets | 15.7717% | 526 |
| Core capital (leverage) ratio | 17.0241% | 356 |
| Tier 1 risk-based capital ratio | 29.0750% | 512 |
| Total risk-based capital ratio | 30.0502% | 520 |
| Memoranda: | ||
| Average total assets | $247,559,600 | 2,530 |
| Average earning assets | $239,844,600 | 2,435 |
| Average equity | $40,834,400 | 1,819 |
| Average total loans | $150,679,000 | 2,631 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8761% | 5,669 |
| Cost of funding earning assets | 0.4651% | 2,420 |
| Net interest margin | 2.4109% | 5,715 |
| Noninterest income to average assets | 0.8943% | 1,427 |
| Noninterest expense to average assets | 2.5974% | 3,671 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4278% | 4,938 |
| Return on assets (ROA) | 0.4289% | 5,018 |
| Pretax return on assets | 0.6344% | 4,784 |
| Return on Equity (ROE) | 2.5708% | 5,338 |
| Retained earnings to average equity (ytd only) | 2.5708% | 4,368 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9058% | 1,440 |
| Assets per employee ($millions) | 6.0668% | 1,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9790% | 4,518 |
| Loan loss allowance to noncurrent loans | 355.8025% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 0.1628% | 4,778 |
| Noncurrent loans to loans | 0.2751% | 4,275 |
| Net loans and leases to total assets | 58.5980% | 4,037 |
| Net loans and leases to deposits | 71.0463% | 3,882 |
| Net loans and leases to core deposits | 73.9546% | 4,007 |
| Total domestic deposits to total assets | 82.4787% | 3,787 |
| Equity capital to assets | 16.6139% | 472 |
| Core capital (leverage) ratio | 17.3015% | 346 |
| Tier 1 risk-based capital ratio | 29.8264% | 487 |
| Total risk-based capital ratio | 30.8302% | 489 |
| Memoranda: | ||
| Average total assets | $245,261,750 | 2,553 |
| Average earning assets | $237,632,500 | 2,458 |
| Average equity | $40,919,500 | 1,822 |
| Average total loans | $150,679,750 | 2,631 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8868% | 5,744 |
| Cost of funding earning assets | 0.4562% | 2,505 |
| Net interest margin | 2.4306% | 5,786 |
| Noninterest income to average assets | 0.9078% | 1,355 |
| Noninterest expense to average assets | 2.4973% | 4,037 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5140% | 4,618 |
| Return on assets (ROA) | 0.5162% | 4,732 |
| Pretax return on assets | 0.7710% | 4,385 |
| Return on Equity (ROE) | 3.0894% | 5,223 |
| Retained earnings to average equity (ytd only) | 3.0894% | 3,936 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2610% | 2,041 |
| Assets per employee ($millions) | 5.7449% | 1,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9559% | 4,735 |
| Loan loss allowance to noncurrent loans | 255.9503% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 0.2279% | 4,583 |
| Noncurrent loans to loans | 0.3735% | 4,023 |
| Net loans and leases to total assets | 60.4439% | 3,823 |
| Net loans and leases to deposits | 73.4148% | 3,664 |
| Net loans and leases to core deposits | 76.5250% | 3,781 |
| Total domestic deposits to total assets | 82.3320% | 3,899 |
| Equity capital to assets | 16.7535% | 459 |
| Core capital (leverage) ratio | 17.2975% | 342 |
| Tier 1 risk-based capital ratio | 30.6233% | 469 |
| Total risk-based capital ratio | 31.6578% | 473 |
| Memoranda: | ||
| Average total assets | $244,103,330 | 2,576 |
| Average earning assets | $236,731,000 | 2,481 |
| Average equity | $40,784,330 | 1,822 |
| Average total loans | $151,841,000 | 2,624 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8873% | 5,799 |
| Cost of funding earning assets | 0.4537% | 2,543 |
| Net interest margin | 2.4336% | 5,862 |
| Noninterest income to average assets | 0.8358% | 1,492 |
| Noninterest expense to average assets | 2.4184% | 4,314 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5149% | 4,566 |
| Return on assets (ROA) | 0.5193% | 4,654 |
| Pretax return on assets | 0.7847% | 4,252 |
| Return on Equity (ROE) | 3.1124% | 5,195 |
| Retained earnings to average equity (ytd only) | 3.1124% | 3,963 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5028% | 2,253 |
| Assets per employee ($millions) | 6.1211% | 1,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9495% | 4,848 |
| Loan loss allowance to noncurrent loans | 205.5635% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 0.2863% | 4,417 |
| Noncurrent loans to loans | 0.4619% | 3,791 |
| Net loans and leases to total assets | 61.3956% | 3,608 |
| Net loans and leases to deposits | 74.5115% | 3,375 |
| Net loans and leases to core deposits | 77.9119% | 3,497 |
| Total domestic deposits to total assets | 82.3974% | 4,091 |
| Equity capital to assets | 16.6852% | 450 |
| Core capital (leverage) ratio | 17.5607% | 329 |
| Tier 1 risk-based capital ratio | 30.2888% | 497 |
| Total risk-based capital ratio | 31.3195% | 500 |
| Memoranda: | ||
| Average total assets | $242,640,500 | 2,600 |
| Average earning assets | $235,372,000 | 2,501 |
| Average equity | $40,483,500 | 1,825 |
| Average total loans | $152,384,000 | 2,613 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9086% | 5,803 |
| Cost of funding earning assets | 0.4360% | 2,772 |
| Net interest margin | 2.4726% | 5,844 |
| Noninterest income to average assets | 0.8810% | 1,498 |
| Noninterest expense to average assets | 2.6353% | 3,798 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4398% | 4,914 |
| Return on assets (ROA) | 0.4415% | 4,996 |
| Pretax return on assets | 0.6421% | 4,697 |
| Return on Equity (ROE) | 2.6273% | 5,416 |
| Retained earnings to average equity (ytd only) | 2.6273% | 4,197 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3293% | 1,629 |
| Assets per employee ($millions) | 6.0109% | 1,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9418% | 4,909 |
| Loan loss allowance to noncurrent loans | 209.1437% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 0.2866% | 4,440 |
| Noncurrent loans to loans | 0.4503% | 3,859 |
| Net loans and leases to total assets | 63.0363% | 3,405 |
| Net loans and leases to deposits | 76.4681% | 3,198 |
| Net loans and leases to core deposits | 80.0141% | 3,344 |
| Total domestic deposits to total assets | 82.4348% | 4,040 |
| Equity capital to assets | 16.6839% | 442 |
| Core capital (leverage) ratio | 17.4232% | 322 |
| Tier 1 risk-based capital ratio | 30.6478% | 478 |
| Total risk-based capital ratio | 31.6987% | 477 |
| Memoranda: | ||
| Average total assets | $237,354,000 | 2,602 |
| Average earning assets | $229,801,800 | 2,513 |
| Average equity | $39,889,000 | 1,805 |
| Average total loans | $153,863,000 | 2,545 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9044% | 5,891 |
| Cost of funding earning assets | 0.4290% | 2,918 |
| Net interest margin | 2.4753% | 5,925 |
| Noninterest income to average assets | 0.9040% | 1,440 |
| Noninterest expense to average assets | 2.5648% | 4,002 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5033% | 4,775 |
| Return on assets (ROA) | 0.5010% | 4,871 |
| Pretax return on assets | 0.7321% | 4,562 |
| Return on Equity (ROE) | 2.9757% | 5,401 |
| Retained earnings to average equity (ytd only) | 2.9757% | 4,331 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5786% | 2,008 |
| Assets per employee ($millions) | 6.3231% | 1,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9427% | 5,009 |
| Loan loss allowance to noncurrent loans | 240.9699% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 0.2489% | 4,764 |
| Noncurrent loans to loans | 0.3912% | 4,215 |
| Net loans and leases to total assets | 63.0209% | 3,452 |
| Net loans and leases to deposits | 76.4891% | 3,246 |
| Net loans and leases to core deposits | 80.0326% | 3,422 |
| Total domestic deposits to total assets | 82.3919% | 4,027 |
| Equity capital to assets | 16.7104% | 467 |
| Core capital (leverage) ratio | 17.6098% | 321 |
| Tier 1 risk-based capital ratio | 30.7339% | 485 |
| Total risk-based capital ratio | 31.7916% | 487 |
| Memoranda: | ||
| Average total assets | $236,583,500 | 2,621 |
| Average earning assets | $229,028,500 | 2,537 |
| Average equity | $39,832,750 | 1,824 |
| Average total loans | $154,078,000 | 2,555 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9168% | 5,930 |
| Cost of funding earning assets | 0.4232% | 3,007 |
| Net interest margin | 2.4936% | 5,968 |
| Noninterest income to average assets | 0.9220% | 1,379 |
| Noninterest expense to average assets | 2.5264% | 4,150 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5571% | 4,530 |
| Return on assets (ROA) | 0.5524% | 4,659 |
| Pretax return on assets | 0.8022% | 4,304 |
| Return on Equity (ROE) | 3.2724% | 5,318 |
| Retained earnings to average equity (ytd only) | 3.2724% | 3,968 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5924% | 2,436 |
| Assets per employee ($millions) | 6.0613% | 1,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9413% | 5,136 |
| Loan loss allowance to noncurrent loans | 256.4057% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 0.2377% | 4,929 |
| Noncurrent loans to loans | 0.3671% | 4,392 |
| Net loans and leases to total assets | 64.1489% | 3,246 |
| Net loans and leases to deposits | 77.9641% | 3,033 |
| Net loans and leases to core deposits | 81.2653% | 3,254 |
| Total domestic deposits to total assets | 82.2801% | 4,199 |
| Equity capital to assets | 16.7893% | 438 |
| Core capital (leverage) ratio | 17.5351% | 326 |
| Tier 1 risk-based capital ratio | 30.3826% | 520 |
| Total risk-based capital ratio | 31.4343% | 527 |
| Memoranda: | ||
| Average total assets | $235,352,670 | 2,652 |
| Average earning assets | $227,782,330 | 2,563 |
| Average equity | $39,726,670 | 1,836 |
| Average total loans | $154,482,330 | 2,559 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9090% | 5,985 |
| Cost of funding earning assets | 0.4120% | 3,171 |
| Net interest margin | 2.4969% | 6,019 |
| Noninterest income to average assets | 0.8789% | 1,455 |
| Noninterest expense to average assets | 2.5584% | 4,069 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5134% | 4,611 |
| Return on assets (ROA) | 0.5110% | 4,746 |
| Pretax return on assets | 0.7324% | 4,490 |
| Return on Equity (ROE) | 3.0192% | 5,372 |
| Retained earnings to average equity (ytd only) | 3.0192% | 4,169 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5595% | 2,256 |
| Assets per employee ($millions) | 6.1073% | 1,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9306% | 5,330 |
| Loan loss allowance to noncurrent loans | 271.3748% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 0.2229% | 5,045 |
| Noncurrent loans to loans | 0.3429% | 4,559 |
| Net loans and leases to total assets | 64.4083% | 3,040 |
| Net loans and leases to deposits | 78.1059% | 2,785 |
| Net loans and leases to core deposits | 81.4422% | 3,015 |
| Total domestic deposits to total assets | 82.4628% | 4,363 |
| Equity capital to assets | 16.6001% | 478 |
| Core capital (leverage) ratio | 17.6627% | 309 |
| Tier 1 risk-based capital ratio | 29.0466% | 594 |
| Total risk-based capital ratio | 30.0605% | 592 |
| Memoranda: | ||
| Average total assets | $234,834,500 | 2,676 |
| Average earning assets | $227,158,000 | 2,582 |
| Average equity | $39,746,000 | 1,843 |
| Average total loans | $155,182,500 | 2,551 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8910% | 6,145 |
| Cost of funding earning assets | 0.4160% | 3,525 |
| Net interest margin | 2.4750% | 6,179 |
| Noninterest income to average assets | 0.8557% | 1,660 |
| Noninterest expense to average assets | 2.5769% | 4,305 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4560% | 4,989 |
| Return on assets (ROA) | 0.4571% | 5,076 |
| Pretax return on assets | 0.6721% | 4,718 |
| Return on Equity (ROE) | 2.7063% | 5,571 |
| Retained earnings to average equity (ytd only) | 2.7063% | 4,322 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2358% | 2,032 |
| Assets per employee ($millions) | 5.9355% | 1,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9266% | 5,377 |
| Loan loss allowance to noncurrent loans | 299.5842% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 0.2078% | 5,194 |
| Noncurrent loans to loans | 0.3093% | 4,730 |
| Net loans and leases to total assets | 66.5584% | 2,801 |
| Net loans and leases to deposits | 81.2201% | 2,574 |
| Net loans and leases to core deposits | 84.3408% | 2,859 |
| Total domestic deposits to total assets | 81.9482% | 4,438 |
| Equity capital to assets | 17.2595% | 394 |
| Core capital (leverage) ratio | 17.5500% | 320 |
| Tier 1 risk-based capital ratio | 26.5639% | 715 |
| Total risk-based capital ratio | 27.4985% | 725 |
| Memoranda: | ||
| Average total assets | $232,097,200 | 2,676 |
| Average earning assets | $224,281,000 | 2,583 |
| Average equity | $39,204,400 | 1,806 |
| Average total loans | $150,958,800 | 2,556 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8628% | 6,237 |
| Cost of funding earning assets | 0.4193% | 3,586 |
| Net interest margin | 2.4435% | 6,272 |
| Noninterest income to average assets | 0.8634% | 1,646 |
| Noninterest expense to average assets | 2.5724% | 4,284 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4399% | 5,111 |
| Return on assets (ROA) | 0.4461% | 5,166 |
| Pretax return on assets | 0.6619% | 4,833 |
| Return on Equity (ROE) | 2.6552% | 5,671 |
| Retained earnings to average equity (ytd only) | 2.6552% | 4,704 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6369% | 1,971 |
| Assets per employee ($millions) | 5.8860% | 1,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9286% | 5,505 |
| Loan loss allowance to noncurrent loans | 295.2869% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 0.2073% | 5,396 |
| Noncurrent loans to loans | 0.3145% | 4,967 |
| Net loans and leases to total assets | 65.2986% | 2,980 |
| Net loans and leases to deposits | 79.2812% | 2,809 |
| Net loans and leases to core deposits | 82.2521% | 3,081 |
| Total domestic deposits to total assets | 82.3632% | 4,353 |
| Equity capital to assets | 16.8132% | 451 |
| Core capital (leverage) ratio | 17.3715% | 334 |
| Tier 1 risk-based capital ratio | 26.5249% | 748 |
| Total risk-based capital ratio | 27.4643% | 747 |
| Memoranda: | ||
| Average total assets | $232,250,500 | 2,694 |
| Average earning assets | $224,481,500 | 2,592 |
| Average equity | $39,017,250 | 1,818 |
| Average total loans | $149,820,250 | 2,577 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8445% | 6,300 |
| Cost of funding earning assets | 0.4225% | 3,629 |
| Net interest margin | 2.4220% | 6,339 |
| Noninterest income to average assets | 0.8513% | 1,654 |
| Noninterest expense to average assets | 2.5719% | 4,343 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4264% | 5,108 |
| Return on assets (ROA) | 0.4377% | 5,146 |
| Pretax return on assets | 0.6367% | 4,828 |
| Return on Equity (ROE) | 2.6064% | 5,657 |
| Retained earnings to average equity (ytd only) | 2.6064% | 4,539 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4065% | 1,961 |
| Assets per employee ($millions) | 5.6684% | 1,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9516% | 5,558 |
| Loan loss allowance to noncurrent loans | 288.7776% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 0.2147% | 5,478 |
| Noncurrent loans to loans | 0.3295% | 5,026 |
| Net loans and leases to total assets | 64.5349% | 2,993 |
| Net loans and leases to deposits | 78.4588% | 2,738 |
| Net loans and leases to core deposits | 80.9973% | 3,098 |
| Total domestic deposits to total assets | 82.2532% | 4,568 |
| Equity capital to assets | 16.9503% | 421 |
| Core capital (leverage) ratio | 17.3368% | 344 |
| Tier 1 risk-based capital ratio | 26.6627% | 724 |
| Total risk-based capital ratio | 27.6159% | 724 |
| Memoranda: | ||
| Average total assets | $231,187,330 | 2,715 |
| Average earning assets | $223,452,670 | 2,607 |
| Average equity | $38,828,000 | 1,820 |
| Average total loans | $148,033,670 | 2,609 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8096% | 6,390 |
| Cost of funding earning assets | 0.4234% | 3,723 |
| Net interest margin | 2.3862% | 6,429 |
| Noninterest income to average assets | 0.7529% | 1,951 |
| Noninterest expense to average assets | 2.5484% | 4,458 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3561% | 5,293 |
| Return on assets (ROA) | 0.3695% | 5,300 |
| Pretax return on assets | 0.5308% | 5,076 |
| Return on Equity (ROE) | 2.2104% | 5,731 |
| Retained earnings to average equity (ytd only) | 2.2104% | 4,719 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1066% | 1,781 |
| Assets per employee ($millions) | 6.1098% | 1,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9736% | 5,621 |
| Loan loss allowance to noncurrent loans | 224.4548% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 0.2765% | 5,334 |
| Noncurrent loans to loans | 0.4337% | 4,846 |
| Net loans and leases to total assets | 63.1304% | 3,052 |
| Net loans and leases to deposits | 76.5708% | 2,749 |
| Net loans and leases to core deposits | 79.1621% | 3,068 |
| Total domestic deposits to total assets | 82.4471% | 4,802 |
| Equity capital to assets | 16.7677% | 422 |
| Core capital (leverage) ratio | 17.4056% | 332 |
| Tier 1 risk-based capital ratio | 26.7407% | 726 |
| Total risk-based capital ratio | 27.7011% | 741 |
| Memoranda: | ||
| Average total assets | $230,579,500 | 2,741 |
| Average earning assets | $222,950,500 | 2,628 |
| Average equity | $38,545,500 | 1,828 |
| Average total loans | $146,339,500 | 2,639 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8667% | 6,454 |
| Cost of funding earning assets | 0.4672% | 3,939 |
| Net interest margin | 2.3996% | 6,444 |
| Noninterest income to average assets | 0.8633% | 1,813 |
| Noninterest expense to average assets | 2.6257% | 4,373 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4582% | 4,917 |
| Return on assets (ROA) | 0.4585% | 5,045 |
| Pretax return on assets | 0.5573% | 5,022 |
| Return on Equity (ROE) | 2.7672% | 5,593 |
| Retained earnings to average equity (ytd only) | 2.7672% | 4,271 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3376% | 1,831 |
| Assets per employee ($millions) | 6.0260% | 1,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9961% | 5,591 |
| Loan loss allowance to noncurrent loans | 246.7466% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 0.2550% | 5,496 |
| Noncurrent loans to loans | 0.4037% | 4,997 |
| Net loans and leases to total assets | 62.5477% | 3,288 |
| Net loans and leases to deposits | 75.9848% | 2,968 |
| Net loans and leases to core deposits | 79.1063% | 3,230 |
| Total domestic deposits to total assets | 82.3160% | 4,763 |
| Equity capital to assets | 16.6651% | 430 |
| Core capital (leverage) ratio | 17.3275% | 343 |
| Tier 1 risk-based capital ratio | 26.9889% | 683 |
| Total risk-based capital ratio | 27.9634% | 693 |
| Memoranda: | ||
| Average total assets | $228,780,600 | 2,730 |
| Average earning assets | $221,123,400 | 2,604 |
| Average equity | $37,908,800 | 1,833 |
| Average total loans | $145,321,800 | 2,624 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8957% | 6,497 |
| Cost of funding earning assets | 0.4734% | 4,036 |
| Net interest margin | 2.4223% | 6,496 |
| Noninterest income to average assets | 0.8767% | 1,838 |
| Noninterest expense to average assets | 2.5433% | 4,578 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5236% | 4,698 |
| Return on assets (ROA) | 0.5240% | 4,848 |
| Pretax return on assets | 0.6756% | 4,768 |
| Return on Equity (ROE) | 3.1672% | 5,543 |
| Retained earnings to average equity (ytd only) | 3.1672% | 4,420 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8625% | 2,280 |
| Assets per employee ($millions) | 5.9398% | 1,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9905% | 5,766 |
| Loan loss allowance to noncurrent loans | 215.7186% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 0.2960% | 5,542 |
| Noncurrent loans to loans | 0.4592% | 5,043 |
| Net loans and leases to total assets | 63.8132% | 3,026 |
| Net loans and leases to deposits | 77.7579% | 2,706 |
| Net loans and leases to core deposits | 81.0040% | 3,002 |
| Total domestic deposits to total assets | 82.0665% | 4,907 |
| Equity capital to assets | 16.8582% | 433 |
| Core capital (leverage) ratio | 17.3556% | 352 |
| Tier 1 risk-based capital ratio | 27.1040% | 696 |
| Total risk-based capital ratio | 28.0864% | 705 |
| Memoranda: | ||
| Average total assets | $228,729,000 | 2,754 |
| Average earning assets | $221,103,000 | 2,617 |
| Average equity | $37,845,750 | 1,847 |
| Average total loans | $145,485,500 | 2,643 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8992% | 6,535 |
| Cost of funding earning assets | 0.4805% | 4,091 |
| Net interest margin | 2.4187% | 6,538 |
| Noninterest income to average assets | 0.9132% | 1,772 |
| Noninterest expense to average assets | 2.4916% | 4,767 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5310% | 4,661 |
| Return on assets (ROA) | 0.5310% | 4,826 |
| Pretax return on assets | 0.7617% | 4,458 |
| Return on Equity (ROE) | 3.2295% | 5,533 |
| Retained earnings to average equity (ytd only) | 3.2295% | 4,253 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3714% | 2,729 |
| Assets per employee ($millions) | 5.9756% | 1,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0023% | 5,813 |
| Loan loss allowance to noncurrent loans | 336.6822% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.1885% | 5,928 |
| Noncurrent loans to loans | 0.2977% | 5,559 |
| Net loans and leases to total assets | 62.6813% | 3,159 |
| Net loans and leases to deposits | 76.0968% | 2,861 |
| Net loans and leases to core deposits | 79.1249% | 3,150 |
| Total domestic deposits to total assets | 82.3705% | 4,922 |
| Equity capital to assets | 16.5981% | 458 |
| Core capital (leverage) ratio | 17.1182% | 362 |
| Tier 1 risk-based capital ratio | 26.9835% | 693 |
| Total risk-based capital ratio | 27.9688% | 705 |
| Memoranda: | ||
| Average total assets | $229,734,670 | 2,744 |
| Average earning assets | $222,266,000 | 2,615 |
| Average equity | $37,777,330 | 1,861 |
| Average total loans | $145,489,000 | 2,638 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8904% | 6,619 |
| Cost of funding earning assets | 0.4850% | 4,239 |
| Net interest margin | 2.4054% | 6,592 |
| Noninterest income to average assets | 0.8344% | 1,986 |
| Noninterest expense to average assets | 2.4565% | 4,929 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4916% | 4,708 |
| Return on assets (ROA) | 0.4916% | 4,864 |
| Pretax return on assets | 0.7046% | 4,557 |
| Return on Equity (ROE) | 3.0036% | 5,588 |
| Retained earnings to average equity (ytd only) | 3.0036% | 4,483 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4918% | 2,694 |
| Assets per employee ($millions) | 6.2529% | 1,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9829% | 6,044 |
| Loan loss allowance to noncurrent loans | 235.8429% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.2641% | 5,773 |
| Noncurrent loans to loans | 0.4168% | 5,375 |
| Net loans and leases to total assets | 62.7452% | 2,932 |
| Net loans and leases to deposits | 76.0063% | 2,636 |
| Net loans and leases to core deposits | 78.9413% | 2,941 |
| Total domestic deposits to total assets | 82.5526% | 5,009 |
| Equity capital to assets | 16.3863% | 504 |
| Core capital (leverage) ratio | 17.0147% | 353 |
| Tier 1 risk-based capital ratio | 27.0812% | 698 |
| Total risk-based capital ratio | 28.0857% | 713 |
| Memoranda: | ||
| Average total assets | $231,065,000 | 2,765 |
| Average earning assets | $223,499,500 | 2,632 |
| Average equity | $37,821,000 | 1,874 |
| Average total loans | $146,346,500 | 2,638 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1119% | 6,719 |
| Cost of funding earning assets | 0.5903% | 4,437 |
| Net interest margin | 2.5216% | 6,700 |
| Noninterest income to average assets | 0.9173% | 1,806 |
| Noninterest expense to average assets | 2.6181% | 4,679 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.5371% | 4,527 |
| Return on assets (ROA) | 0.5371% | 4,788 |
| Pretax return on assets | 0.7407% | 4,515 |
| Return on Equity (ROE) | 3.2976% | 5,431 |
| Retained earnings to average equity (ytd only) | 3.2976% | 3,909 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5566% | 2,514 |
| Assets per employee ($millions) | 6.2371% | 1,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9864% | 6,007 |
| Loan loss allowance to noncurrent loans | 262.4772% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 0.2379% | 5,957 |
| Noncurrent loans to loans | 0.3758% | 5,557 |
| Net loans and leases to total assets | 62.6787% | 3,126 |
| Net loans and leases to deposits | 75.7855% | 2,832 |
| Net loans and leases to core deposits | 78.7064% | 3,167 |
| Total domestic deposits to total assets | 82.7054% | 4,846 |
| Equity capital to assets | 16.3499% | 495 |
| Core capital (leverage) ratio | 16.8801% | 364 |
| Tier 1 risk-based capital ratio | 27.2124% | 674 |
| Total risk-based capital ratio | 28.2305% | 684 |
| Memoranda: | ||
| Average total assets | $228,826,000 | 2,740 |
| Average earning assets | $221,565,800 | 2,598 |
| Average equity | $37,269,200 | 1,863 |
| Average total loans | $151,190,600 | 2,558 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1458% | 6,830 |
| Cost of funding earning assets | 0.6076% | 4,570 |
| Net interest margin | 2.5382% | 6,799 |
| Noninterest income to average assets | 0.9436% | 1,691 |
| Noninterest expense to average assets | 2.6685% | 4,505 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5413% | 4,655 |
| Return on assets (ROA) | 0.5413% | 4,920 |
| Pretax return on assets | 0.7340% | 4,731 |
| Return on Equity (ROE) | 3.3266% | 5,563 |
| Retained earnings to average equity (ytd only) | 3.3266% | 4,530 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0848% | 2,390 |
| Assets per employee ($millions) | 6.1601% | 1,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9472% | 6,257 |
| Loan loss allowance to noncurrent loans | 251.9231% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.2510% | 6,071 |
| Noncurrent loans to loans | 0.3760% | 5,720 |
| Net loans and leases to total assets | 66.1153% | 2,630 |
| Net loans and leases to deposits | 80.1084% | 2,375 |
| Net loans and leases to core deposits | 83.3155% | 2,775 |
| Total domestic deposits to total assets | 82.5323% | 4,821 |
| Equity capital to assets | 16.4639% | 535 |
| Core capital (leverage) ratio | 16.1542% | 462 |
| Tier 1 risk-based capital ratio | 25.9525% | 830 |
| Total risk-based capital ratio | 26.9733% | 834 |
| Memoranda: | ||
| Average total assets | $228,339,500 | 2,767 |
| Average earning assets | $221,201,000 | 2,624 |
| Average equity | $37,153,750 | 1,890 |
| Average total loans | $152,466,750 | 2,568 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1757% | 6,891 |
| Cost of funding earning assets | 0.6245% | 4,682 |
| Net interest margin | 2.5512% | 6,849 |
| Noninterest income to average assets | 0.9253% | 1,686 |
| Noninterest expense to average assets | 2.6812% | 4,492 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5305% | 4,670 |
| Return on assets (ROA) | 0.5305% | 4,952 |
| Pretax return on assets | 0.7152% | 4,781 |
| Return on Equity (ROE) | 3.2730% | 5,578 |
| Retained earnings to average equity (ytd only) | 3.2730% | 4,435 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6856% | 2,371 |
| Assets per employee ($millions) | 5.9871% | 1,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9450% | 6,339 |
| Loan loss allowance to noncurrent loans | 207.6369% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 0.3050% | 6,004 |
| Noncurrent loans to loans | 0.4551% | 5,623 |
| Net loans and leases to total assets | 66.3937% | 2,595 |
| Net loans and leases to deposits | 80.2494% | 2,349 |
| Net loans and leases to core deposits | 83.7381% | 2,726 |
| Total domestic deposits to total assets | 82.7342% | 4,860 |
| Equity capital to assets | 16.2931% | 534 |
| Core capital (leverage) ratio | 15.9679% | 464 |
| Tier 1 risk-based capital ratio | 26.2075% | 788 |
| Total risk-based capital ratio | 27.2395% | 792 |
| Memoranda: | ||
| Average total assets | $228,478,330 | 2,775 |
| Average earning assets | $221,304,330 | 2,630 |
| Average equity | $37,030,000 | 1,880 |
| Average total loans | $152,578,000 | 2,572 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1818% | 6,959 |
| Cost of funding earning assets | 0.6432% | 4,794 |
| Net interest margin | 2.5386% | 6,925 |
| Noninterest income to average assets | 0.7879% | 2,222 |
| Noninterest expense to average assets | 2.6450% | 4,645 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4420% | 5,070 |
| Return on assets (ROA) | 0.4420% | 5,260 |
| Pretax return on assets | 0.6045% | 5,104 |
| Return on Equity (ROE) | 2.7343% | 5,814 |
| Retained earnings to average equity (ytd only) | 2.7343% | 4,889 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1290% | 2,060 |
| Assets per employee ($millions) | 6.3722% | 1,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9483% | 6,422 |
| Loan loss allowance to noncurrent loans | 206.7432% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 0.3038% | 6,134 |
| Noncurrent loans to loans | 0.4587% | 5,762 |
| Net loans and leases to total assets | 65.6094% | 2,543 |
| Net loans and leases to deposits | 79.0533% | 2,336 |
| Net loans and leases to core deposits | 82.4403% | 2,765 |
| Total domestic deposits to total assets | 82.9939% | 4,928 |
| Equity capital to assets | 16.0135% | 574 |
| Core capital (leverage) ratio | 15.9161% | 474 |
| Tier 1 risk-based capital ratio | 27.2329% | 709 |
| Total risk-based capital ratio | 28.3148% | 708 |
| Memoranda: | ||
| Average total assets | $228,963,500 | 2,779 |
| Average earning assets | $222,015,500 | 2,635 |
| Average equity | $37,011,000 | 1,882 |
| Average total loans | $152,621,000 | 2,590 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4881% | 7,002 |
| Cost of funding earning assets | 0.7950% | 4,910 |
| Net interest margin | 2.6931% | 6,929 |
| Noninterest income to average assets | 0.7737% | 2,214 |
| Noninterest expense to average assets | 2.5234% | 5,391 |
| Loan and lease loss provision to assets | 0.0224% | 6,298 |
| Net operating income to assets | 0.5693% | 4,152 |
| Return on assets (ROA) | 0.5705% | 4,330 |
| Pretax return on assets | 0.8399% | 3,821 |
| Return on Equity (ROE) | 3.4877% | 5,079 |
| Retained earnings to average equity (ytd only) | 3.4877% | 3,737 |
| Net charge-offs to loans | 0.0059% | 6,351 |
| Credit loss provision to net charge-offs | 555.5556% | 410 |
| Earnings coverage of net charge-offs (x) | 213.6667% | 163 |
| Efficiency ratio | 74.3454% | 3,167 |
| Assets per employee ($millions) | 6.3480% | 1,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9400% | 6,430 |
| Loan loss allowance to noncurrent loans | 236.6174% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 0.2665% | 6,299 |
| Noncurrent loans to loans | 0.3973% | 5,917 |
| Net loans and leases to total assets | 66.4482% | 2,698 |
| Net loans and leases to deposits | 79.7802% | 2,562 |
| Net loans and leases to core deposits | 83.3921% | 2,972 |
| Total domestic deposits to total assets | 83.2891% | 4,628 |
| Equity capital to assets | 16.3162% | 542 |
| Core capital (leverage) ratio | 16.1008% | 453 |
| Tier 1 risk-based capital ratio | 30.1843% | 511 |
| Total risk-based capital ratio | 31.3657% | 504 |
| Memoranda: | ||
| Average total assets | $223,470,800 | 2,804 |
| Average earning assets | $216,591,800 | 2,651 |
| Average equity | $36,556,800 | 1,849 |
| Average total loans | $153,317,000 | 2,593 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5431% | 7,063 |
| Cost of funding earning assets | 0.8206% | 5,003 |
| Net interest margin | 2.7225% | 6,972 |
| Noninterest income to average assets | 0.7458% | 2,338 |
| Noninterest expense to average assets | 2.4973% | 5,472 |
| Loan and lease loss provision to assets | 0.0270% | 6,103 |
| Net operating income to assets | 0.5856% | 4,152 |
| Return on assets (ROA) | 0.5856% | 4,336 |
| Pretax return on assets | 0.8592% | 3,916 |
| Return on Equity (ROE) | 3.5775% | 5,183 |
| Retained earnings to average equity (ytd only) | 3.5775% | 4,195 |
| Net charge-offs to loans | 0.0296% | 5,733 |
| Credit loss provision to net charge-offs | 132.3529% | 2,406 |
| Earnings coverage of net charge-offs (x) | 43.4432% | 732 |
| Efficiency ratio | 73.6833% | 3,241 |
| Assets per employee ($millions) | 6.2201% | 1,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9052% | 6,583 |
| Loan loss allowance to noncurrent loans | 165.4162% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 0.3809% | 6,126 |
| Noncurrent loans to loans | 0.5472% | 5,773 |
| Net loans and leases to total assets | 68.9837% | 2,279 |
| Net loans and leases to deposits | 83.0070% | 2,173 |
| Net loans and leases to core deposits | 86.1297% | 2,755 |
| Total domestic deposits to total assets | 83.1059% | 4,634 |
| Equity capital to assets | 16.5078% | 540 |
| Core capital (leverage) ratio | 16.4128% | 456 |
| Tier 1 risk-based capital ratio | 30.6769% | 507 |
| Total risk-based capital ratio | 31.8622% | 496 |
| Memoranda: | ||
| Average total assets | $222,206,750 | 2,821 |
| Average earning assets | $215,286,500 | 2,679 |
| Average equity | $36,374,250 | 1,854 |
| Average total loans | $153,323,000 | 2,618 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5639% | 7,122 |
| Cost of funding earning assets | 0.8328% | 5,177 |
| Net interest margin | 2.7311% | 6,994 |
| Noninterest income to average assets | 0.7634% | 2,188 |
| Noninterest expense to average assets | 2.4798% | 5,616 |
| Loan and lease loss provision to assets | 0.0271% | 5,966 |
| Net operating income to assets | 0.6091% | 4,018 |
| Return on assets (ROA) | 0.6091% | 4,147 |
| Pretax return on assets | 0.9024% | 3,607 |
| Return on Equity (ROE) | 3.7316% | 5,050 |
| Retained earnings to average equity (ytd only) | 3.7316% | 3,840 |
| Net charge-offs to loans | 0.0446% | 5,232 |
| Credit loss provision to net charge-offs | 88.2353% | 3,508 |
| Earnings coverage of net charge-offs (x) | 30.2941% | 913 |
| Efficiency ratio | 72.6840% | 3,602 |
| Assets per employee ($millions) | 5.9455% | 1,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9156% | 6,612 |
| Loan loss allowance to noncurrent loans | 152.9605% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 0.4146% | 6,112 |
| Noncurrent loans to loans | 0.5986% | 5,724 |
| Net loans and leases to total assets | 68.6253% | 2,488 |
| Net loans and leases to deposits | 82.6806% | 2,341 |
| Net loans and leases to core deposits | 85.8736% | 2,927 |
| Total domestic deposits to total assets | 83.0005% | 4,755 |
| Equity capital to assets | 16.6386% | 522 |
| Core capital (leverage) ratio | 16.3622% | 466 |
| Tier 1 risk-based capital ratio | 31.0796% | 485 |
| Total risk-based capital ratio | 32.2767% | 482 |
| Memoranda: | ||
| Average total assets | $221,634,330 | 2,842 |
| Average earning assets | $214,710,000 | 2,705 |
| Average equity | $36,177,330 | 1,850 |
| Average total loans | $152,470,000 | 2,652 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5980% | 7,140 |
| Cost of funding earning assets | 0.8503% | 5,270 |
| Net interest margin | 2.7477% | 6,971 |
| Noninterest income to average assets | 0.6887% | 2,635 |
| Noninterest expense to average assets | 2.3447% | 6,065 |
| Loan and lease loss provision to assets | 0.0270% | 5,628 |
| Net operating income to assets | 0.6599% | 3,705 |
| Return on assets (ROA) | 0.6599% | 3,779 |
| Pretax return on assets | 0.9782% | 3,208 |
| Return on Equity (ROE) | 4.0817% | 4,855 |
| Retained earnings to average equity (ytd only) | 4.0817% | 3,712 |
| Net charge-offs to loans | 0.0892% | 4,055 |
| Credit loss provision to net charge-offs | 44.1176% | 3,865 |
| Earnings coverage of net charge-offs (x) | 16.4412% | 1,267 |
| Efficiency ratio | 69.8873% | 4,301 |
| Assets per employee ($millions) | 6.3610% | 997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9147% | 6,658 |
| Loan loss allowance to noncurrent loans | 142.8128% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 0.4343% | 6,124 |
| Noncurrent loans to loans | 0.6405% | 5,754 |
| Net loans and leases to total assets | 67.1920% | 2,711 |
| Net loans and leases to deposits | 80.6305% | 2,589 |
| Net loans and leases to core deposits | 84.0108% | 3,158 |
| Total domestic deposits to total assets | 83.3333% | 4,776 |
| Equity capital to assets | 16.2090% | 540 |
| Core capital (leverage) ratio | 16.1224% | 478 |
| Tier 1 risk-based capital ratio | 31.1681% | 468 |
| Total risk-based capital ratio | 32.3667% | 461 |
| Memoranda: | ||
| Average total assets | $222,460,000 | 2,857 |
| Average earning assets | $215,454,500 | 2,718 |
| Average equity | $35,965,000 | 1,840 |
| Average total loans | $152,525,500 | 2,675 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9371% | 7,169 |
| Cost of funding earning assets | 1.0789% | 5,266 |
| Net interest margin | 2.8581% | 6,962 |
| Noninterest income to average assets | 0.7794% | 2,380 |
| Noninterest expense to average assets | 2.5731% | 5,532 |
| Loan and lease loss provision to assets | 0.0276% | 6,850 |
| Net operating income to assets | 0.6272% | 3,550 |
| Return on assets (ROA) | 0.6281% | 3,708 |
| Pretax return on assets | 0.9389% | 3,139 |
| Return on Equity (ROE) | 3.8909% | 4,579 |
| Retained earnings to average equity (ytd only) | 3.8909% | 3,145 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6316% | 3,673 |
| Assets per employee ($millions) | 6.3510% | 1,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9086% | 6,704 |
| Loan loss allowance to noncurrent loans | 143.0031% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 0.4404% | 6,171 |
| Noncurrent loans to loans | 0.6354% | 5,777 |
| Net loans and leases to total assets | 68.6852% | 2,816 |
| Net loans and leases to deposits | 82.2356% | 2,756 |
| Net loans and leases to core deposits | 86.1477% | 3,303 |
| Total domestic deposits to total assets | 83.5225% | 4,593 |
| Equity capital to assets | 16.1248% | 563 |
| Core capital (leverage) ratio | 15.8059% | 531 |
| Tier 1 risk-based capital ratio | 30.2261% | 498 |
| Total risk-based capital ratio | 31.4167% | 496 |
| Memoranda: | ||
| Average total assets | $217,480,400 | 2,901 |
| Average earning assets | $209,928,400 | 2,758 |
| Average equity | $35,107,400 | 1,888 |
| Average total loans | $151,193,400 | 2,752 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0062% | 7,277 |
| Cost of funding earning assets | 1.1161% | 5,341 |
| Net interest margin | 2.8901% | 7,019 |
| Noninterest income to average assets | 0.7749% | 2,356 |
| Noninterest expense to average assets | 2.4986% | 5,722 |
| Loan and lease loss provision to assets | 0.0277% | 6,793 |
| Net operating income to assets | 0.6387% | 3,708 |
| Return on assets (ROA) | 0.6399% | 3,868 |
| Pretax return on assets | 1.0375% | 3,039 |
| Return on Equity (ROE) | 3.9629% | 4,802 |
| Retained earnings to average equity (ytd only) | 3.9629% | 3,693 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0762% | 4,048 |
| Assets per employee ($millions) | 6.0736% | 1,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9395% | 6,614 |
| Loan loss allowance to noncurrent loans | 143.0785% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 0.4308% | 6,348 |
| Noncurrent loans to loans | 0.6566% | 5,893 |
| Net loans and leases to total assets | 64.9838% | 3,908 |
| Net loans and leases to deposits | 78.0437% | 3,818 |
| Net loans and leases to core deposits | 81.2984% | 4,343 |
| Total domestic deposits to total assets | 83.2660% | 4,477 |
| Equity capital to assets | 15.8761% | 703 |
| Core capital (leverage) ratio | 15.8547% | 582 |
| Tier 1 risk-based capital ratio | 29.0329% | 568 |
| Total risk-based capital ratio | 30.1185% | 562 |
| Memoranda: | ||
| Average total assets | $216,279,250 | 2,960 |
| Average earning assets | $208,572,250 | 2,807 |
| Average equity | $34,923,500 | 1,919 |
| Average total loans | $150,472,500 | 2,805 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0834% | 7,296 |
| Cost of funding earning assets | 1.1557% | 5,366 |
| Net interest margin | 2.9277% | 6,974 |
| Noninterest income to average assets | 0.7449% | 2,433 |
| Noninterest expense to average assets | 2.5569% | 5,497 |
| Loan and lease loss provision to assets | 0.0281% | 6,666 |
| Net operating income to assets | 0.6381% | 3,690 |
| Return on assets (ROA) | 0.6399% | 3,824 |
| Pretax return on assets | 0.9847% | 3,178 |
| Return on Equity (ROE) | 3.9397% | 4,804 |
| Retained earnings to average equity (ytd only) | 3.9397% | 3,572 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5524% | 3,889 |
| Assets per employee ($millions) | 5.8711% | 1,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9128% | 6,714 |
| Loan loss allowance to noncurrent loans | 243.3393% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.2592% | 6,752 |
| Noncurrent loans to loans | 0.3751% | 6,490 |
| Net loans and leases to total assets | 68.4625% | 3,257 |
| Net loans and leases to deposits | 82.4885% | 3,185 |
| Net loans and leases to core deposits | 85.7770% | 3,865 |
| Total domestic deposits to total assets | 82.9964% | 4,577 |
| Equity capital to assets | 16.2459% | 635 |
| Core capital (leverage) ratio | 16.1767% | 546 |
| Tier 1 risk-based capital ratio | 27.3239% | 677 |
| Total risk-based capital ratio | 28.4016% | 674 |
| Memoranda: | ||
| Average total assets | $213,465,000 | 3,014 |
| Average earning assets | $205,761,000 | 2,862 |
| Average equity | $34,672,330 | 1,928 |
| Average total loans | $151,490,670 | 2,807 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1568% | 7,311 |
| Cost of funding earning assets | 1.1879% | 5,469 |
| Net interest margin | 2.9689% | 6,898 |
| Noninterest income to average assets | 0.6806% | 2,734 |
| Noninterest expense to average assets | 2.4293% | 5,984 |
| Loan and lease loss provision to assets | 0.0284% | 6,392 |
| Net operating income to assets | 0.7034% | 3,430 |
| Return on assets (ROA) | 0.7071% | 3,519 |
| Pretax return on assets | 1.0870% | 2,779 |
| Return on Equity (ROE) | 4.3535% | 4,732 |
| Retained earnings to average equity (ytd only) | 4.3535% | 3,539 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4829% | 4,632 |
| Assets per employee ($millions) | 6.1283% | 1,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8970% | 6,846 |
| Loan loss allowance to noncurrent loans | 273.1855% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.2312% | 6,879 |
| Noncurrent loans to loans | 0.3283% | 6,641 |
| Net loans and leases to total assets | 69.7977% | 2,988 |
| Net loans and leases to deposits | 84.3042% | 2,887 |
| Net loans and leases to core deposits | 87.7529% | 3,649 |
| Total domestic deposits to total assets | 82.7927% | 4,722 |
| Equity capital to assets | 16.1103% | 653 |
| Core capital (leverage) ratio | 16.2062% | 551 |
| Tier 1 risk-based capital ratio | 31.1414% | 468 |
| Total risk-based capital ratio | 32.2971% | 465 |
| Memoranda: | ||
| Average total assets | $211,582,500 | 3,087 |
| Average earning assets | $203,712,500 | 2,945 |
| Average equity | $34,363,000 | 1,969 |
| Average total loans | $152,190,500 | 2,854 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5242% | 7,362 |
| Cost of funding earning assets | 1.5007% | 5,511 |
| Net interest margin | 3.0234% | 6,585 |
| Noninterest income to average assets | 0.6888% | 3,043 |
| Noninterest expense to average assets | 2.7059% | 5,363 |
| Loan and lease loss provision to assets | 0.1196% | 6,446 |
| Net operating income to assets | 0.5147% | 3,674 |
| Return on assets (ROA) | 0.5150% | 3,768 |
| Pretax return on assets | 0.7730% | 3,330 |
| Return on Equity (ROE) | 3.0663% | 4,469 |
| Retained earnings to average equity (ytd only) | 3.0663% | 3,012 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3569% | 3,823 |
| Assets per employee ($millions) | 5.9621% | 1,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8740% | 6,906 |
| Loan loss allowance to noncurrent loans | 268.5371% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.2391% | 6,868 |
| Noncurrent loans to loans | 0.3255% | 6,626 |
| Net loans and leases to total assets | 72.8295% | 2,549 |
| Net loans and leases to deposits | 88.1317% | 2,539 |
| Net loans and leases to core deposits | 116.1167% | 2,303 |
| Total domestic deposits to total assets | 82.6371% | 4,689 |
| Equity capital to assets | 16.3752% | 646 |
| Core capital (leverage) ratio | 16.5485% | 547 |
| Tier 1 risk-based capital ratio | 29.4529% | 557 |
| Total risk-based capital ratio | 30.6251% | 546 |
| Memoranda: | ||
| Average total assets | $203,114,200 | 3,145 |
| Average earning assets | $195,439,600 | 3,028 |
| Average equity | $34,112,600 | 1,966 |
| Average total loans | $144,116,200 | 3,018 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5804% | 7,434 |
| Cost of funding earning assets | 1.5682% | 5,552 |
| Net interest margin | 3.0122% | 6,572 |
| Noninterest income to average assets | 0.6854% | 3,118 |
| Noninterest expense to average assets | 2.6584% | 5,496 |
| Loan and lease loss provision to assets | 0.0615% | 6,751 |
| Net operating income to assets | 0.5675% | 3,734 |
| Return on assets (ROA) | 0.5684% | 3,800 |
| Pretax return on assets | 0.8665% | 3,333 |
| Return on Equity (ROE) | 3.3628% | 4,637 |
| Retained earnings to average equity (ytd only) | 3.3628% | 3,421 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2854% | 3,997 |
| Assets per employee ($millions) | 5.7147% | 1,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7891% | 7,156 |
| Loan loss allowance to noncurrent loans | 229.7297% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 0.2518% | 6,882 |
| Noncurrent loans to loans | 0.3435% | 6,669 |
| Net loans and leases to total assets | 72.7217% | 2,854 |
| Net loans and leases to deposits | 88.2451% | 2,912 |
| Net loans and leases to core deposits | 117.2301% | 2,503 |
| Total domestic deposits to total assets | 82.4088% | 4,495 |
| Equity capital to assets | 16.5933% | 695 |
| Core capital (leverage) ratio | 16.5557% | 609 |
| Tier 1 risk-based capital ratio | 29.9866% | 564 |
| Total risk-based capital ratio | 31.0523% | 560 |
| Memoranda: | ||
| Average total assets | $201,724,000 | 3,182 |
| Average earning assets | $194,185,000 | 3,067 |
| Average equity | $34,098,000 | 1,995 |
| Average total loans | $141,816,000 | 3,081 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6125% | 7,515 |
| Cost of funding earning assets | 1.6225% | 5,653 |
| Net interest margin | 2.9900% | 6,580 |
| Noninterest income to average assets | 0.6946% | 3,022 |
| Noninterest expense to average assets | 2.6948% | 5,400 |
| Loan and lease loss provision to assets | 0.0299% | 6,945 |
| Net operating income to assets | 0.5626% | 3,837 |
| Return on assets (ROA) | 0.5639% | 3,943 |
| Pretax return on assets | 0.8503% | 3,510 |
| Return on Equity (ROE) | 3.3152% | 4,782 |
| Retained earnings to average equity (ytd only) | 3.3152% | 3,481 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1620% | 4,011 |
| Assets per employee ($millions) | 5.7081% | 1,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7829% | 7,210 |
| Loan loss allowance to noncurrent loans | 230.0000% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.2385% | 6,898 |
| Noncurrent loans to loans | 0.3404% | 6,663 |
| Net loans and leases to total assets | 69.5046% | 3,816 |
| Net loans and leases to deposits | 84.2473% | 3,834 |
| Net loans and leases to core deposits | 111.8773% | 3,147 |
| Total domestic deposits to total assets | 82.5006% | 4,477 |
| Equity capital to assets | 16.5972% | 734 |
| Core capital (leverage) ratio | 16.6105% | 664 |
| Tier 1 risk-based capital ratio | 31.5095% | 521 |
| Total risk-based capital ratio | 32.5793% | 514 |
| Memoranda: | ||
| Average total assets | $200,389,330 | 3,222 |
| Average earning assets | $192,910,330 | 3,111 |
| Average equity | $34,085,000 | 1,987 |
| Average total loans | $138,821,670 | 3,163 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7249% | 7,468 |
| Cost of funding earning assets | 1.6710% | 5,736 |
| Net interest margin | 3.0540% | 6,326 |
| Noninterest income to average assets | 0.6187% | 3,421 |
| Noninterest expense to average assets | 2.5678% | 5,580 |
| Loan and lease loss provision to assets | 0.0303% | 6,551 |
| Net operating income to assets | 0.6362% | 3,858 |
| Return on assets (ROA) | 0.6389% | 4,024 |
| Pretax return on assets | 0.9624% | 3,491 |
| Return on Equity (ROE) | 3.7095% | 5,080 |
| Retained earnings to average equity (ytd only) | 3.7095% | 3,838 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2672% | 4,515 |
| Assets per employee ($millions) | 5.7601% | 1,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7973% | 7,164 |
| Loan loss allowance to noncurrent loans | 226.0163% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 0.2440% | 6,781 |
| Noncurrent loans to loans | 0.3527% | 6,548 |
| Net loans and leases to total assets | 68.6312% | 3,995 |
| Net loans and leases to deposits | 83.4811% | 4,063 |
| Net loans and leases to core deposits | 113.0092% | 3,102 |
| Total domestic deposits to total assets | 82.2118% | 4,466 |
| Equity capital to assets | 16.7823% | 748 |
| Core capital (leverage) ratio | 16.7426% | 685 |
| Tier 1 risk-based capital ratio | 30.7004% | 593 |
| Total risk-based capital ratio | 31.7367% | 590 |
| Memoranda: | ||
| Average total assets | $197,837,500 | 3,266 |
| Average earning assets | $190,310,500 | 3,148 |
| Average equity | $34,074,500 | 2,001 |
| Average total loans | $136,255,500 | 3,242 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1447% | 7,735 |
| Cost of funding earning assets | 2.3208% | 5,057 |
| Net interest margin | 2.8239% | 7,288 |
| Noninterest income to average assets | 0.7402% | 2,841 |
| Noninterest expense to average assets | 2.6305% | 5,533 |
| Loan and lease loss provision to assets | 0.0859% | 6,313 |
| Net operating income to assets | 0.4749% | 4,847 |
| Return on assets (ROA) | 0.4777% | 4,659 |
| Pretax return on assets | 0.7300% | 4,304 |
| Return on Equity (ROE) | 2.6465% | 5,365 |
| Retained earnings to average equity (ytd only) | 2.6465% | 3,536 |
| Net charge-offs to loans | 0.0008% | 7,032 |
| Credit loss provision to net charge-offs | 16,000.0000% | 41 |
| Earnings coverage of net charge-offs (x) | 1,512.0000% | 26 |
| Efficiency ratio | 76.2514% | 3,193 |
| Assets per employee ($millions) | 5.5449% | 1,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8246% | 7,008 |
| Loan loss allowance to noncurrent loans | 300.5479% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.1881% | 6,806 |
| Noncurrent loans to loans | 0.2744% | 6,550 |
| Net loans and leases to total assets | 67.9847% | 4,469 |
| Net loans and leases to deposits | 82.8850% | 4,591 |
| Net loans and leases to core deposits | 111.4209% | 3,622 |
| Total domestic deposits to total assets | 82.0230% | 4,192 |
| Equity capital to assets | 17.6818% | 694 |
| Core capital (leverage) ratio | 17.8588% | 621 |
| Tier 1 risk-based capital ratio | 33.1179% | 506 |
| Total risk-based capital ratio | 34.2020% | 500 |
| Memoranda: | ||
| Average total assets | $186,313,400 | 3,320 |
| Average earning assets | $178,261,200 | 3,206 |
| Average equity | $33,629,800 | 2,014 |
| Average total loans | $125,089,200 | 3,348 |