Home > Equitable Savings and Loan Association > Performance and Condition Ratios
Equitable Savings and Loan Association, 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 | 3.9877% | 3,987 |
| Cost of funding earning assets | 0.5168% | 4,180 |
| Net interest margin | 3.4709% | 2,253 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 3.4931% | 580 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.2543% | 4,090 |
| Return on assets (ROA) | 0.2543% | 4,097 |
| Pretax return on assets | 0.3360% | 4,051 |
| Return on Equity (ROE) | 1.5200% | 4,209 |
| Retained earnings to average equity (ytd only) | -1.3171% | 4,217 |
| 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 | 91.2260% | 380 |
| Assets per employee ($millions) | 3.1291% | 4,364 |
| Cash dividends to net income (ytd only)* | 186.5672% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2473% | 4,438 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0537% | 3,231 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 91.0100% | 27 |
| Net loans and leases to deposits | 109.7611% | 205 |
| Net loans and leases to core deposits | 116.3153% | 734 |
| Total domestic deposits to total assets | 82.9200% | 2,912 |
| Equity capital to assets | 16.7979% | 398 |
| Core capital (leverage) ratio | 16.4108% | 439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.4477% | 283 |
| Memoranda: | ||
| Average total assets | $158,055,600 | 3,294 |
| Average earning assets | $151,114,600 | 3,241 |
| Average equity | $26,421,000 | 2,440 |
| Average total loans | $141,297,000 | 2,753 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9127% | 3,982 |
| Cost of funding earning assets | 0.4209% | 4,232 |
| Net interest margin | 3.4919% | 2,230 |
| Noninterest income to average assets | 0.5300% | 1,815 |
| Noninterest expense to average assets | 3.4423% | 593 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.3189% | 4,093 |
| Return on assets (ROA) | 0.3189% | 4,098 |
| Pretax return on assets | 0.4207% | 4,030 |
| Return on Equity (ROE) | 1.9100% | 4,204 |
| Retained earnings to average equity (ytd only) | -0.9273% | 4,245 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 89.1091% | 405 |
| Assets per employee ($millions) | 3.1077% | 4,380 |
| Cash dividends to net income (ytd only)* | 148.5488% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2493% | 4,458 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0530% | 3,276 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 89.1100% | 55 |
| Net loans and leases to deposits | 107.3437% | 262 |
| Net loans and leases to core deposits | 114.6402% | 707 |
| Total domestic deposits to total assets | 83.0100% | 3,016 |
| Equity capital to assets | 16.5854% | 417 |
| Core capital (leverage) ratio | 16.3096% | 458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.3925% | 264 |
| Memoranda: | ||
| Average total assets | $158,456,000 | 3,305 |
| Average earning assets | $151,434,500 | 3,251 |
| Average equity | $26,456,000 | 2,423 |
| Average total loans | $140,935,000 | 2,768 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8689% | 3,926 |
| Cost of funding earning assets | 0.3040% | 4,309 |
| Net interest margin | 3.5649% | 2,115 |
| Noninterest income to average assets | 0.4600% | 2,088 |
| Noninterest expense to average assets | 3.4271% | 585 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.3282% | 4,114 |
| Return on assets (ROA) | 0.3282% | 4,143 |
| Pretax return on assets | 0.4330% | 4,068 |
| Return on Equity (ROE) | 1.9600% | 4,279 |
| Retained earnings to average equity (ytd only) | -0.8675% | 4,199 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 88.7835% | 394 |
| Assets per employee ($millions) | 3.0165% | 4,430 |
| Cash dividends to net income (ytd only)* | 144.2308% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2512% | 4,490 |
| Loan loss allowance to noncurrent loans | 470.6667% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 0.1255% | 2,666 |
| Noncurrent loans to loans | 0.0534% | 3,319 |
| Net loans and leases to total assets | 91.1100% | 25 |
| Net loans and leases to deposits | 110.5317% | 195 |
| Net loans and leases to core deposits | 116.1338% | 624 |
| Total domestic deposits to total assets | 82.4300% | 3,149 |
| Equity capital to assets | 17.1893% | 378 |
| Core capital (leverage) ratio | 17.3577% | 380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.0750% | 218 |
| Memoranda: | ||
| Average total assets | $158,443,000 | 3,310 |
| Average earning assets | $151,307,333 | 3,259 |
| Average equity | $26,512,333 | 2,433 |
| Average total loans | $140,718,667 | 2,763 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8143% | 3,833 |
| Cost of funding earning assets | 0.2702% | 4,255 |
| Net interest margin | 3.5440% | 2,252 |
| Noninterest income to average assets | 0.4800% | 1,921 |
| Noninterest expense to average assets | 3.3768% | 622 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3758% | 4,126 |
| Return on assets (ROA) | 0.3758% | 4,076 |
| Pretax return on assets | 0.4927% | 4,000 |
| Return on Equity (ROE) | 2.2800% | 4,267 |
| Retained earnings to average equity (ytd only) | -0.5575% | 4,093 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 87.2669% | 454 |
| Assets per employee ($millions) | 3.3062% | 4,451 |
| Cash dividends to net income (ytd only)* | 124.5033% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2487% | 4,551 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0744% | 3,054 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 89.2000% | 45 |
| Net loans and leases to deposits | 107.5995% | 219 |
| Net loans and leases to core deposits | 113.2001% | 605 |
| Total domestic deposits to total assets | 82.9000% | 3,322 |
| Equity capital to assets | 16.7326% | 361 |
| Core capital (leverage) ratio | 17.0011% | 398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.0372% | 228 |
| Memoranda: | ||
| Average total assets | $160,744,500 | 3,329 |
| Average earning assets | $153,949,000 | 3,278 |
| Average equity | $26,546,500 | 2,457 |
| Average total loans | $140,820,000 | 2,789 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3972% | 3,351 |
| Cost of funding earning assets | 0.2760% | 3,083 |
| Net interest margin | 3.1212% | 3,111 |
| Noninterest income to average assets | 0.5700% | 1,784 |
| Noninterest expense to average assets | 3.0921% | 845 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.3547% | 4,303 |
| Return on assets (ROA) | 0.3547% | 4,268 |
| Pretax return on assets | 0.4683% | 4,211 |
| Return on Equity (ROE) | 2.2200% | 4,367 |
| Retained earnings to average equity (ytd only) | -0.5747% | 4,406 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 86.8461% | 393 |
| Assets per employee ($millions) | 3.4637% | 4,445 |
| Cash dividends to net income (ytd only)* | 125.8389% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2526% | 4,568 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0725% | 3,064 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 85.6100% | 177 |
| Net loans and leases to deposits | 102.6613% | 348 |
| Net loans and leases to core deposits | 108.0703% | 670 |
| Total domestic deposits to total assets | 83.4000% | 3,336 |
| Equity capital to assets | 16.3023% | 370 |
| Core capital (leverage) ratio | 16.2366% | 434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.1787% | 220 |
| Memoranda: | ||
| Average total assets | $168,043,000 | 3,283 |
| Average earning assets | $161,251,000 | 3,230 |
| Average equity | $26,795,200 | 2,492 |
| Average total loans | $136,920,200 | 2,764 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3245% | 3,118 |
| Cost of funding earning assets | 0.2846% | 2,336 |
| Net interest margin | 3.0399% | 3,115 |
| Noninterest income to average assets | 0.6300% | 1,585 |
| Noninterest expense to average assets | 3.0712% | 826 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3629% | 4,299 |
| Return on assets (ROA) | 0.3629% | 4,247 |
| Pretax return on assets | 0.4795% | 4,177 |
| Return on Equity (ROE) | 2.2900% | 4,377 |
| Retained earnings to average equity (ytd only) | -0.5014% | 4,388 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 86.4967% | 444 |
| Assets per employee ($millions) | 3.3322% | 4,518 |
| Cash dividends to net income (ytd only)* | 121.9089% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2547% | 4,609 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 82.9800% | 320 |
| Net loans and leases to deposits | 99.1352% | 403 |
| Net loans and leases to core deposits | 104.7730% | 620 |
| Total domestic deposits to total assets | 83.7000% | 3,559 |
| Equity capital to assets | 15.9842% | 373 |
| Core capital (leverage) ratio | 16.3549% | 411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.4761% | 231 |
| Memoranda: | ||
| Average total assets | $169,355,500 | 3,301 |
| Average earning assets | $162,587,000 | 3,249 |
| Average equity | $26,859,250 | 2,522 |
| Average total loans | $136,218,250 | 2,773 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2242% | 2,975 |
| Cost of funding earning assets | 0.2879% | 1,821 |
| Net interest margin | 2.9363% | 3,069 |
| Noninterest income to average assets | 0.5474% | 1,958 |
| Noninterest expense to average assets | 3.0880% | 743 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2091% | 4,406 |
| Return on assets (ROA) | 0.2091% | 4,366 |
| Pretax return on assets | 0.2749% | 4,328 |
| Return on Equity (ROE) | 1.3217% | 4,424 |
| Retained earnings to average equity (ytd only) | -1.4628% | 4,338 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8268% | 348 |
| Assets per employee ($millions) | 3.1355% | 4,612 |
| Cash dividends to net income (ytd only)* | 210.6742% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2562% | 4,679 |
| Loan loss allowance to noncurrent loans | 383.6957% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 0.1087% | 2,948 |
| Noncurrent loans to loans | 0.0668% | 3,464 |
| Net loans and leases to total assets | 81.1600% | 333 |
| Net loans and leases to deposits | 96.6718% | 400 |
| Net loans and leases to core deposits | 104.3188% | 499 |
| Total domestic deposits to total assets | 83.9542% | 3,695 |
| Equity capital to assets | 15.8155% | 347 |
| Core capital (leverage) ratio | 15.8873% | 384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.7521% | 214 |
| Memoranda: | ||
| Average total assets | $170,271,333 | 3,334 |
| Average earning assets | $163,266,000 | 3,289 |
| Average equity | $26,935,333 | 2,586 |
| Average total loans | $135,423,667 | 2,793 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1131% | 2,940 |
| Cost of funding earning assets | 0.2832% | 1,788 |
| Net interest margin | 2.8299% | 3,045 |
| Noninterest income to average assets | 0.5224% | 2,027 |
| Noninterest expense to average assets | 3.1250% | 667 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0867% | 4,484 |
| Return on assets (ROA) | 0.0867% | 4,458 |
| Pretax return on assets | 0.1124% | 4,431 |
| Return on Equity (ROE) | 0.5479% | 4,478 |
| Retained earnings to average equity (ytd only) | -2.2211% | 4,264 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5268% | 315 |
| Assets per employee ($millions) | 3.3853% | 4,586 |
| Cash dividends to net income (ytd only)* | 505.4054% | 37 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2620% | 4,705 |
| Loan loss allowance to noncurrent loans | 383.6957% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 0.1087% | 3,049 |
| Noncurrent loans to loans | 0.0683% | 3,508 |
| Net loans and leases to total assets | 79.3790% | 268 |
| Net loans and leases to deposits | 94.4647% | 339 |
| Net loans and leases to core deposits | 101.2838% | 466 |
| Total domestic deposits to total assets | 84.0303% | 3,760 |
| Equity capital to assets | 15.8463% | 328 |
| Core capital (leverage) ratio | 15.8785% | 356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.5161% | 216 |
| Memoranda: | ||
| Average total assets | $170,749,500 | 3,341 |
| Average earning assets | $163,824,000 | 3,288 |
| Average equity | $27,014,000 | 2,651 |
| Average total loans | $134,251,000 | 2,804 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3648% | 3,018 |
| Cost of funding earning assets | 0.3788% | 1,692 |
| Net interest margin | 2.9860% | 3,235 |
| Noninterest income to average assets | 0.8620% | 1,300 |
| Noninterest expense to average assets | 3.1365% | 802 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4430% | 4,199 |
| Return on assets (ROA) | 0.4430% | 4,238 |
| Pretax return on assets | 0.5835% | 4,132 |
| Return on Equity (ROE) | 2.7638% | 4,401 |
| Retained earnings to average equity (ytd only) | 0.0147% | 4,482 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3153% | 555 |
| Assets per employee ($millions) | 3.4447% | 4,603 |
| Cash dividends to net income (ytd only)* | 99.4695% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2638% | 4,745 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 77.4732% | 411 |
| Net loans and leases to deposits | 92.1252% | 462 |
| Net loans and leases to core deposits | 99.4426% | 561 |
| Total domestic deposits to total assets | 84.0956% | 3,533 |
| Equity capital to assets | 15.7959% | 403 |
| Core capital (leverage) ratio | 15.9599% | 367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.0808% | 237 |
| Memoranda: | ||
| Average total assets | $170,192,200 | 3,300 |
| Average earning assets | $162,890,800 | 3,243 |
| Average equity | $27,281,000 | 2,701 |
| Average total loans | $136,242,600 | 2,769 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4227% | 3,035 |
| Cost of funding earning assets | 0.3917% | 1,764 |
| Net interest margin | 3.0310% | 3,228 |
| Noninterest income to average assets | 0.8989% | 1,259 |
| Noninterest expense to average assets | 3.1494% | 767 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4927% | 4,223 |
| Return on assets (ROA) | 0.4927% | 4,265 |
| Pretax return on assets | 0.6498% | 4,159 |
| Return on Equity (ROE) | 3.0622% | 4,457 |
| Retained earnings to average equity (ytd only) | 0.3126% | 4,520 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8956% | 586 |
| Assets per employee ($millions) | 3.3515% | 4,684 |
| Cash dividends to net income (ytd only)* | 89.7927% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2620% | 4,830 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 80.1951% | 277 |
| Net loans and leases to deposits | 96.0079% | 352 |
| Net loans and leases to core deposits | 103.9045% | 458 |
| Total domestic deposits to total assets | 83.5298% | 3,577 |
| Equity capital to assets | 16.3037% | 388 |
| Core capital (leverage) ratio | 16.1987% | 379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.6782% | 220 |
| Memoranda: | ||
| Average total assets | $169,681,500 | 3,338 |
| Average earning assets | $162,361,000 | 3,281 |
| Average equity | $27,299,750 | 2,722 |
| Average total loans | $136,856,000 | 2,796 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4729% | 2,967 |
| Cost of funding earning assets | 0.4003% | 1,884 |
| Net interest margin | 3.0726% | 3,110 |
| Noninterest income to average assets | 0.9848% | 1,099 |
| Noninterest expense to average assets | 3.1588% | 771 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5775% | 4,028 |
| Return on assets (ROA) | 0.5775% | 4,083 |
| Pretax return on assets | 0.7630% | 3,939 |
| Return on Equity (ROE) | 3.6054% | 4,395 |
| Retained earnings to average equity (ytd only) | 0.8574% | 4,374 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5447% | 751 |
| Assets per employee ($millions) | 3.3238% | 4,717 |
| Cash dividends to net income (ytd only)* | 76.2195% | 551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2595% | 4,861 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 80.0467% | 316 |
| Net loans and leases to deposits | 95.7047% | 390 |
| Net loans and leases to core deposits | 103.7837% | 539 |
| Total domestic deposits to total assets | 83.6393% | 3,537 |
| Equity capital to assets | 16.1283% | 401 |
| Core capital (leverage) ratio | 15.9552% | 378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.3158% | 245 |
| Memoranda: | ||
| Average total assets | $170,383,667 | 3,334 |
| Average earning assets | $162,859,333 | 3,283 |
| Average equity | $27,292,667 | 2,720 |
| Average total loans | $137,561,333 | 2,810 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5076% | 2,900 |
| Cost of funding earning assets | 0.4170% | 1,955 |
| Net interest margin | 3.0906% | 3,021 |
| Noninterest income to average assets | 1.1966% | 861 |
| Noninterest expense to average assets | 3.1847% | 730 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7283% | 3,639 |
| Return on assets (ROA) | 0.7283% | 3,706 |
| Pretax return on assets | 0.9624% | 3,473 |
| Return on Equity (ROE) | 4.5620% | 4,175 |
| Retained earnings to average equity (ytd only) | 1.8042% | 4,053 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7928% | 1,057 |
| Assets per employee ($millions) | 3.3370% | 4,748 |
| Cash dividends to net income (ytd only)* | 60.4502% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2584% | 4,894 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 78.5247% | 434 |
| Net loans and leases to deposits | 93.5344% | 518 |
| Net loans and leases to core deposits | 102.6758% | 614 |
| Total domestic deposits to total assets | 83.9527% | 3,454 |
| Equity capital to assets | 15.7315% | 415 |
| Core capital (leverage) ratio | 15.9589% | 387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.9945% | 205 |
| Memoranda: | ||
| Average total assets | $170,817,500 | 3,324 |
| Average earning assets | $163,073,500 | 3,283 |
| Average equity | $27,269,000 | 2,713 |
| Average total loans | $138,319,500 | 2,807 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7924% | 3,324 |
| Cost of funding earning assets | 0.5734% | 2,488 |
| Net interest margin | 3.2189% | 3,309 |
| Noninterest income to average assets | 0.9681% | 1,110 |
| Noninterest expense to average assets | 3.0111% | 1,405 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.7951% | 3,112 |
| Return on assets (ROA) | 0.7951% | 3,228 |
| Pretax return on assets | 1.0506% | 2,876 |
| Return on Equity (ROE) | 4.8636% | 3,941 |
| Retained earnings to average equity (ytd only) | 2.0791% | 3,795 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1333% | 1,423 |
| Assets per employee ($millions) | 3.2329% | 4,745 |
| Cash dividends to net income (ytd only)* | 57.2519% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2521% | 4,917 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 83.0843% | 226 |
| Net loans and leases to deposits | 99.6206% | 387 |
| Net loans and leases to core deposits | 108.4729% | 559 |
| Total domestic deposits to total assets | 83.4007% | 3,293 |
| Equity capital to assets | 16.2037% | 408 |
| Core capital (leverage) ratio | 16.4046% | 355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.1952% | 214 |
| Memoranda: | ||
| Average total assets | $164,758,800 | 3,242 |
| Average earning assets | $158,344,600 | 3,181 |
| Average equity | $26,934,600 | 2,682 |
| Average total loans | $138,202,800 | 2,769 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8293% | 3,478 |
| Cost of funding earning assets | 0.6060% | 2,575 |
| Net interest margin | 3.2233% | 3,416 |
| Noninterest income to average assets | 0.9728% | 1,076 |
| Noninterest expense to average assets | 2.9794% | 1,487 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.8288% | 2,983 |
| Return on assets (ROA) | 0.8288% | 3,110 |
| Pretax return on assets | 1.0956% | 2,765 |
| Return on Equity (ROE) | 5.0585% | 3,877 |
| Retained earnings to average equity (ytd only) | 2.2637% | 3,840 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1138% | 1,506 |
| Assets per employee ($millions) | 3.0485% | 4,828 |
| Cash dividends to net income (ytd only)* | 55.2502% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2553% | 4,949 |
| Loan loss allowance to noncurrent loans | 5,042.8571% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 4,507 |
| Noncurrent loans to loans | 0.0051% | 4,438 |
| Net loans and leases to total assets | 85.3421% | 188 |
| Net loans and leases to deposits | 102.9030% | 420 |
| Net loans and leases to core deposits | 111.8966% | 633 |
| Total domestic deposits to total assets | 82.9345% | 3,157 |
| Equity capital to assets | 16.7987% | 395 |
| Core capital (leverage) ratio | 16.7890% | 354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.1145% | 215 |
| Memoranda: | ||
| Average total assets | $163,921,000 | 3,228 |
| Average earning assets | $157,764,000 | 3,174 |
| Average equity | $26,858,250 | 2,679 |
| Average total loans | $137,747,000 | 2,777 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8209% | 3,806 |
| Cost of funding earning assets | 0.6368% | 2,774 |
| Net interest margin | 3.1841% | 3,713 |
| Noninterest income to average assets | 0.7954% | 1,451 |
| Noninterest expense to average assets | 2.8767% | 1,890 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7492% | 3,213 |
| Return on assets (ROA) | 0.7492% | 3,329 |
| Pretax return on assets | 0.9909% | 3,060 |
| Return on Equity (ROE) | 4.6107% | 3,944 |
| Retained earnings to average equity (ytd only) | 1.8084% | 3,828 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3799% | 1,429 |
| Assets per employee ($millions) | 3.2165% | 4,782 |
| Cash dividends to net income (ytd only)* | 60.7780% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2524% | 4,977 |
| Loan loss allowance to noncurrent loans | 5,883.3333% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 4,579 |
| Noncurrent loans to loans | 0.0043% | 4,504 |
| Net loans and leases to total assets | 85.0460% | 185 |
| Net loans and leases to deposits | 105.2484% | 337 |
| Net loans and leases to core deposits | 114.7567% | 572 |
| Total domestic deposits to total assets | 80.8050% | 3,655 |
| Equity capital to assets | 16.4183% | 420 |
| Core capital (leverage) ratio | 16.3323% | 402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.4272% | 225 |
| Memoranda: | ||
| Average total assets | $164,704,000 | 3,204 |
| Average earning assets | $158,915,333 | 3,146 |
| Average equity | $26,763,667 | 2,666 |
| Average total loans | $137,582,000 | 2,775 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7171% | 4,360 |
| Cost of funding earning assets | 0.6601% | 3,114 |
| Net interest margin | 3.0570% | 4,183 |
| Noninterest income to average assets | 0.6277% | 1,913 |
| Noninterest expense to average assets | 2.8552% | 2,255 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5502% | 3,738 |
| Return on assets (ROA) | 0.5502% | 3,800 |
| Pretax return on assets | 0.7247% | 3,614 |
| Return on Equity (ROE) | 3.4034% | 4,115 |
| Retained earnings to average equity (ytd only) | 0.5997% | 3,844 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7563% | 1,162 |
| Assets per employee ($millions) | 3.2555% | 4,661 |
| Cash dividends to net income (ytd only)* | 82.3789% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2624% | 5,013 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 81.0363% | 557 |
| Net loans and leases to deposits | 103.7139% | 377 |
| Net loans and leases to core deposits | 111.1646% | 793 |
| Total domestic deposits to total assets | 78.1345% | 4,195 |
| Equity capital to assets | 16.0884% | 568 |
| Core capital (leverage) ratio | 16.1309% | 498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.4085% | 243 |
| Memoranda: | ||
| Average total assets | $165,034,500 | 3,176 |
| Average earning assets | $159,370,000 | 3,114 |
| Average equity | $26,679,000 | 2,659 |
| Average total loans | $136,440,500 | 2,762 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9271% | 4,380 |
| Cost of funding earning assets | 0.6912% | 3,198 |
| Net interest margin | 3.2359% | 4,119 |
| Noninterest income to average assets | 0.6774% | 1,890 |
| Noninterest expense to average assets | 2.9677% | 2,105 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6323% | 4,065 |
| Return on assets (ROA) | 0.6323% | 4,133 |
| Pretax return on assets | 0.8354% | 3,906 |
| Return on Equity (ROE) | 3.9200% | 4,479 |
| Retained earnings to average equity (ytd only) | 1.0849% | 4,359 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0343% | 1,148 |
| Assets per employee ($millions) | 3.2164% | 4,690 |
| Cash dividends to net income (ytd only)* | 72.3240% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2566% | 5,069 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 83.8999% | 329 |
| Net loans and leases to deposits | 107.6397% | 234 |
| Net loans and leases to core deposits | 114.8712% | 638 |
| Total domestic deposits to total assets | 77.9451% | 4,367 |
| Equity capital to assets | 16.2440% | 564 |
| Core capital (leverage) ratio | 16.2856% | 486 |
| Tier 1 risk-based capital ratio | 31.5638% | 431 |
| Total risk-based capital ratio | 31.9825% | 443 |
| Memoranda: | ||
| Average total assets | $164,001,800 | 3,167 |
| Average earning assets | $158,411,800 | 3,099 |
| Average equity | $26,453,800 | 2,597 |
| Average total loans | $141,087,600 | 2,709 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9319% | 4,488 |
| Cost of funding earning assets | 0.6906% | 3,258 |
| Net interest margin | 3.2414% | 4,205 |
| Noninterest income to average assets | 0.6561% | 1,963 |
| Noninterest expense to average assets | 2.9635% | 2,075 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6220% | 4,235 |
| Return on assets (ROA) | 0.6220% | 4,289 |
| Pretax return on assets | 0.8220% | 4,068 |
| Return on Equity (ROE) | 3.8627% | 4,617 |
| Retained earnings to average equity (ytd only) | 1.0200% | 4,561 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2861% | 1,071 |
| Assets per employee ($millions) | 3.2214% | 4,733 |
| Cash dividends to net income (ytd only)* | 73.5953% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2519% | 5,146 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 85.3266% | 233 |
| Net loans and leases to deposits | 109.7941% | 227 |
| Net loans and leases to core deposits | 117.8869% | 599 |
| Total domestic deposits to total assets | 77.7152% | 4,405 |
| Equity capital to assets | 16.1634% | 606 |
| Core capital (leverage) ratio | 16.3076% | 521 |
| Tier 1 risk-based capital ratio | 31.1680% | 449 |
| Total risk-based capital ratio | 31.5828% | 463 |
| Memoranda: | ||
| Average total assets | $163,993,250 | 3,196 |
| Average earning assets | $158,324,000 | 3,129 |
| Average equity | $26,405,750 | 2,611 |
| Average total loans | $141,864,500 | 2,730 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8877% | 4,574 |
| Cost of funding earning assets | 0.6694% | 3,317 |
| Net interest margin | 3.2183% | 4,323 |
| Noninterest income to average assets | 0.6407% | 1,971 |
| Noninterest expense to average assets | 2.9519% | 2,130 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6040% | 4,295 |
| Return on assets (ROA) | 0.6040% | 4,338 |
| Pretax return on assets | 0.7981% | 4,099 |
| Return on Equity (ROE) | 3.7563% | 4,638 |
| Retained earnings to average equity (ytd only) | 0.9106% | 4,462 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7179% | 1,075 |
| Assets per employee ($millions) | 3.1643% | 4,796 |
| Cash dividends to net income (ytd only)* | 75.7576% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2542% | 5,199 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 86.0873% | 208 |
| Net loans and leases to deposits | 110.9828% | 203 |
| Net loans and leases to core deposits | 117.5994% | 622 |
| Total domestic deposits to total assets | 77.5682% | 4,468 |
| Equity capital to assets | 16.3988% | 549 |
| Core capital (leverage) ratio | 16.2615% | 518 |
| Tier 1 risk-based capital ratio | 33.3812% | 379 |
| Total risk-based capital ratio | 33.8268% | 396 |
| Memoranda: | ||
| Average total assets | $163,894,000 | 3,208 |
| Average earning assets | $158,344,670 | 3,147 |
| Average equity | $26,356,000 | 2,609 |
| Average total loans | $142,306,670 | 2,741 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8135% | 4,693 |
| Cost of funding earning assets | 0.6540% | 3,303 |
| Net interest margin | 3.1595% | 4,481 |
| Noninterest income to average assets | 0.5740% | 2,159 |
| Noninterest expense to average assets | 2.8895% | 2,303 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5595% | 4,362 |
| Return on assets (ROA) | 0.5595% | 4,391 |
| Pretax return on assets | 0.7387% | 4,198 |
| Return on Equity (ROE) | 3.5130% | 4,676 |
| Retained earnings to average equity (ytd only) | 0.6539% | 4,396 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6395% | 1,094 |
| Assets per employee ($millions) | 3.2383% | 4,797 |
| Cash dividends to net income (ytd only)* | 81.3853% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2485% | 5,267 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1035% | 4,296 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 86.0451% | 184 |
| Net loans and leases to deposits | 109.9883% | 215 |
| Net loans and leases to core deposits | 117.1458% | 608 |
| Total domestic deposits to total assets | 78.2311% | 4,478 |
| Equity capital to assets | 15.9555% | 580 |
| Core capital (leverage) ratio | 15.9920% | 533 |
| Tier 1 risk-based capital ratio | 30.5668% | 457 |
| Total risk-based capital ratio | 30.9761% | 478 |
| Memoranda: | ||
| Average total assets | $165,152,000 | 3,237 |
| Average earning assets | $159,644,000 | 3,173 |
| Average equity | $26,302,000 | 2,617 |
| Average total loans | $143,820,000 | 2,755 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7682% | 4,558 |
| Cost of funding earning assets | 0.5225% | 3,213 |
| Net interest margin | 3.2457% | 4,397 |
| Noninterest income to average assets | 0.5079% | 2,788 |
| Noninterest expense to average assets | 2.9316% | 2,237 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5400% | 4,570 |
| Return on assets (ROA) | 0.5400% | 4,565 |
| Pretax return on assets | 0.7129% | 4,382 |
| Return on Equity (ROE) | 3.4104% | 4,840 |
| Retained earnings to average equity (ytd only) | 0.5461% | 4,838 |
| Net charge-offs to loans | 0.0174% | 3,105 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 45.3462% | 1,201 |
| Efficiency ratio | 80.4380% | 920 |
| Assets per employee ($millions) | 3.0584% | 4,959 |
| Cash dividends to net income (ytd only)* | 83.9866% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2438% | 5,314 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1035% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 87.6931% | 129 |
| Net loans and leases to deposits | 112.0996% | 205 |
| Net loans and leases to core deposits | 119.5891% | 559 |
| Total domestic deposits to total assets | 78.2278% | 4,456 |
| Equity capital to assets | 15.8964% | 548 |
| Core capital (leverage) ratio | 15.8769% | 532 |
| Tier 1 risk-based capital ratio | 29.8863% | 475 |
| Total risk-based capital ratio | 30.2915% | 501 |
| Memoranda: | ||
| Average total assets | $165,373,200 | 3,214 |
| Average earning assets | $159,812,800 | 3,141 |
| Average equity | $26,184,600 | 2,558 |
| Average total loans | $149,063,400 | 2,654 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7577% | 4,537 |
| Cost of funding earning assets | 0.4962% | 3,218 |
| Net interest margin | 3.2616% | 4,377 |
| Noninterest income to average assets | 0.4997% | 2,869 |
| Noninterest expense to average assets | 2.9313% | 2,226 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5456% | 4,653 |
| Return on assets (ROA) | 0.5456% | 4,660 |
| Pretax return on assets | 0.7205% | 4,490 |
| Return on Equity (ROE) | 3.4495% | 4,936 |
| Retained earnings to average equity (ytd only) | 0.5809% | 4,936 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2693% | 920 |
| Assets per employee ($millions) | 2.9997% | 5,037 |
| Cash dividends to net income (ytd only)* | 83.1616% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2544% | 5,380 |
| Loan loss allowance to noncurrent loans | 171.9457% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 0.1364% | 4,268 |
| Noncurrent loans to loans | 0.1480% | 4,226 |
| Net loans and leases to total assets | 91.9757% | 27 |
| Net loans and leases to deposits | 120.6688% | 97 |
| Net loans and leases to core deposits | 126.6481% | 400 |
| Total domestic deposits to total assets | 76.2216% | 4,763 |
| Equity capital to assets | 16.1721% | 508 |
| Core capital (leverage) ratio | 16.3736% | 467 |
| Tier 1 risk-based capital ratio | 30.1319% | 471 |
| Total risk-based capital ratio | 30.5661% | 500 |
| Memoranda: | ||
| Average total assets | $165,428,750 | 3,238 |
| Average earning assets | $159,879,000 | 3,170 |
| Average equity | $26,167,500 | 2,572 |
| Average total loans | $150,034,250 | 2,656 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7050% | 4,571 |
| Cost of funding earning assets | 0.4899% | 3,091 |
| Net interest margin | 3.2151% | 4,467 |
| Noninterest income to average assets | 0.4574% | 3,109 |
| Noninterest expense to average assets | 2.8960% | 2,366 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5043% | 4,742 |
| Return on assets (ROA) | 0.5043% | 4,745 |
| Pretax return on assets | 0.6664% | 4,595 |
| Return on Equity (ROE) | 3.2113% | 4,982 |
| Retained earnings to average equity (ytd only) | 0.3441% | 4,903 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2942% | 891 |
| Assets per employee ($millions) | 3.0473% | 5,068 |
| Cash dividends to net income (ytd only)* | 89.2857% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2520% | 5,441 |
| Loan loss allowance to noncurrent loans | 171.9457% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 0.1343% | 4,328 |
| Noncurrent loans to loans | 0.1465% | 4,243 |
| Net loans and leases to total assets | 91.4143% | 42 |
| Net loans and leases to deposits | 119.3292% | 114 |
| Net loans and leases to core deposits | 126.8159% | 392 |
| Total domestic deposits to total assets | 76.6068% | 4,786 |
| Equity capital to assets | 15.8898% | 517 |
| Core capital (leverage) ratio | 15.9827% | 497 |
| Tier 1 risk-based capital ratio | 33.1644% | 367 |
| Total risk-based capital ratio | 33.6435% | 394 |
| Memoranda: | ||
| Average total assets | $166,577,330 | 3,245 |
| Average earning assets | $160,864,000 | 3,177 |
| Average equity | $26,158,000 | 2,578 |
| Average total loans | $150,257,330 | 2,661 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6674% | 4,549 |
| Cost of funding earning assets | 0.4847% | 2,909 |
| Net interest margin | 3.1827% | 4,524 |
| Noninterest income to average assets | 0.4416% | 3,171 |
| Noninterest expense to average assets | 2.8379% | 2,580 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5132% | 4,658 |
| Return on assets (ROA) | 0.5132% | 4,659 |
| Pretax return on assets | 0.6755% | 4,505 |
| Return on Equity (ROE) | 3.2870% | 4,956 |
| Retained earnings to average equity (ytd only) | 0.4281% | 4,735 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7745% | 1,063 |
| Assets per employee ($millions) | 3.1581% | 5,037 |
| Cash dividends to net income (ytd only)* | 86.9767% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2562% | 5,504 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 88.3753% | 111 |
| Net loans and leases to deposits | 115.0108% | 167 |
| Net loans and leases to core deposits | 121.8130% | 529 |
| Total domestic deposits to total assets | 76.8409% | 4,877 |
| Equity capital to assets | 15.6210% | 551 |
| Core capital (leverage) ratio | 15.7094% | 535 |
| Tier 1 risk-based capital ratio | 30.4133% | 456 |
| Total risk-based capital ratio | 30.8531% | 480 |
| Memoranda: | ||
| Average total assets | $167,590,000 | 3,274 |
| Average earning assets | $161,748,000 | 3,192 |
| Average equity | $26,163,500 | 2,600 |
| Average total loans | $149,984,000 | 2,687 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7021% | 4,329 |
| Cost of funding earning assets | 0.4542% | 2,729 |
| Net interest margin | 3.2479% | 4,314 |
| Noninterest income to average assets | 0.5875% | 2,508 |
| Noninterest expense to average assets | 2.8224% | 2,701 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6163% | 3,943 |
| Return on assets (ROA) | 0.6163% | 3,984 |
| Pretax return on assets | 0.9039% | 3,913 |
| Return on Equity (ROE) | 4.0215% | 4,497 |
| Retained earnings to average equity (ytd only) | 1.1380% | 4,571 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7432% | 1,662 |
| Assets per employee ($millions) | 3.1661% | 5,062 |
| Cash dividends to net income (ytd only)* | 71.7017% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2505% | 5,569 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 90.1581% | 73 |
| Net loans and leases to deposits | 117.1885% | 139 |
| Net loans and leases to core deposits | 124.0788% | 477 |
| Total domestic deposits to total assets | 76.9343% | 4,855 |
| Equity capital to assets | 15.6022% | 567 |
| Core capital (leverage) ratio | 15.7923% | 497 |
| Tier 1 risk-based capital ratio | 30.3957% | 448 |
| Total risk-based capital ratio | 30.8357% | 469 |
| Memoranda: | ||
| Average total assets | $169,713,000 | 3,248 |
| Average earning assets | $164,016,000 | 3,151 |
| Average equity | $26,010,000 | 2,606 |
| Average total loans | $153,053,000 | 2,623 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7088% | 4,299 |
| Cost of funding earning assets | 0.4456% | 2,757 |
| Net interest margin | 3.2632% | 4,284 |
| Noninterest income to average assets | 0.5821% | 2,573 |
| Noninterest expense to average assets | 2.8673% | 2,515 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5531% | 4,563 |
| Return on assets (ROA) | 0.5531% | 4,602 |
| Pretax return on assets | 0.8704% | 4,139 |
| Return on Equity (ROE) | 3.6250% | 4,956 |
| Retained earnings to average equity (ytd only) | 0.7342% | 5,052 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7135% | 1,496 |
| Assets per employee ($millions) | 3.1301% | 5,150 |
| Cash dividends to net income (ytd only)* | 79.7452% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2477% | 5,638 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 92.2583% | 32 |
| Net loans and leases to deposits | 121.1709% | 85 |
| Net loans and leases to core deposits | 128.1770% | 370 |
| Total domestic deposits to total assets | 76.1390% | 5,002 |
| Equity capital to assets | 15.7197% | 597 |
| Core capital (leverage) ratio | 15.7207% | 532 |
| Tier 1 risk-based capital ratio | 30.6725% | 450 |
| Total risk-based capital ratio | 31.1190% | 477 |
| Memoranda: | ||
| Average total assets | $170,190,500 | 3,272 |
| Average earning assets | $164,578,750 | 3,175 |
| Average equity | $25,967,250 | 2,632 |
| Average total loans | $153,399,250 | 2,632 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6619% | 4,338 |
| Cost of funding earning assets | 0.4324% | 2,779 |
| Net interest margin | 3.2295% | 4,327 |
| Noninterest income to average assets | 0.5267% | 2,849 |
| Noninterest expense to average assets | 2.9169% | 2,372 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4673% | 4,803 |
| Return on assets (ROA) | 0.4673% | 4,830 |
| Pretax return on assets | 0.7342% | 4,468 |
| Return on Equity (ROE) | 3.0929% | 5,089 |
| Retained earnings to average equity (ytd only) | 0.2005% | 5,027 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8915% | 1,219 |
| Assets per employee ($millions) | 3.2166% | 5,070 |
| Cash dividends to net income (ytd only)* | 93.5162% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2453% | 5,692 |
| Loan loss allowance to noncurrent loans | 603.1746% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.0377% | 5,103 |
| Noncurrent loans to loans | 0.0407% | 4,992 |
| Net loans and leases to total assets | 92.4065% | 30 |
| Net loans and leases to deposits | 122.6821% | 71 |
| Net loans and leases to core deposits | 129.6174% | 314 |
| Total domestic deposits to total assets | 75.3219% | 5,166 |
| Equity capital to assets | 15.5182% | 610 |
| Core capital (leverage) ratio | 15.4794% | 550 |
| Tier 1 risk-based capital ratio | 20.4887% | 1,272 |
| Total risk-based capital ratio | 20.7884% | 1,427 |
| Memoranda: | ||
| Average total assets | $171,622,670 | 3,261 |
| Average earning assets | $166,032,670 | 3,164 |
| Average equity | $25,930,330 | 2,635 |
| Average total loans | $153,388,670 | 2,645 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6318% | 4,327 |
| Cost of funding earning assets | 0.4284% | 2,734 |
| Net interest margin | 3.2034% | 4,335 |
| Noninterest income to average assets | 0.4235% | 3,500 |
| Noninterest expense to average assets | 2.8170% | 2,731 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4488% | 4,784 |
| Return on assets (ROA) | 0.4488% | 4,805 |
| Pretax return on assets | 0.7042% | 4,440 |
| Return on Equity (ROE) | 3.0095% | 5,097 |
| Retained earnings to average equity (ytd only) | 0.1080% | 4,887 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0000% | 1,383 |
| Assets per employee ($millions) | 3.3967% | 4,931 |
| Cash dividends to net income (ytd only)* | 96.4103% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2456% | 5,764 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 89.1112% | 80 |
| Net loans and leases to deposits | 115.0615% | 136 |
| Net loans and leases to core deposits | 121.6201% | 421 |
| Total domestic deposits to total assets | 77.4466% | 5,049 |
| Equity capital to assets | 14.9671% | 662 |
| Core capital (leverage) ratio | 14.9330% | 619 |
| Tier 1 risk-based capital ratio | 28.8492% | 518 |
| Total risk-based capital ratio | 29.2729% | 545 |
| Memoranda: | ||
| Average total assets | $173,803,000 | 3,273 |
| Average earning assets | $168,072,500 | 3,158 |
| Average equity | $25,917,500 | 2,645 |
| Average total loans | $152,612,500 | 2,667 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6617% | 4,335 |
| Cost of funding earning assets | 0.4780% | 2,273 |
| Net interest margin | 3.1837% | 4,488 |
| Noninterest income to average assets | 0.5149% | 3,130 |
| Noninterest expense to average assets | 2.6679% | 3,457 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5930% | 4,241 |
| Return on assets (ROA) | 0.5930% | 4,347 |
| Pretax return on assets | 0.9272% | 3,746 |
| Return on Equity (ROE) | 4.1138% | 4,791 |
| Retained earnings to average equity (ytd only) | 1.2113% | 4,802 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2086% | 2,260 |
| Assets per employee ($millions) | 3.4191% | 4,871 |
| Cash dividends to net income (ytd only)* | 70.5550% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2525% | 5,818 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 86.0770% | 227 |
| Net loans and leases to deposits | 110.7843% | 208 |
| Net loans and leases to core deposits | 117.5308% | 560 |
| Total domestic deposits to total assets | 77.6978% | 5,017 |
| Equity capital to assets | 14.8572% | 666 |
| Core capital (leverage) ratio | 14.7681% | 640 |
| Tier 1 risk-based capital ratio | 29.9118% | 480 |
| Total risk-based capital ratio | 30.3515% | 504 |
| Memoranda: | ||
| Average total assets | $179,243,400 | 3,172 |
| Average earning assets | $173,417,000 | 3,076 |
| Average equity | $25,839,600 | 2,647 |
| Average total loans | $152,795,600 | 2,605 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6446% | 4,426 |
| Cost of funding earning assets | 0.4877% | 2,195 |
| Net interest margin | 3.1569% | 4,617 |
| Noninterest income to average assets | 0.5091% | 3,184 |
| Noninterest expense to average assets | 2.6421% | 3,529 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5903% | 4,330 |
| Return on assets (ROA) | 0.5903% | 4,438 |
| Pretax return on assets | 0.9228% | 3,897 |
| Return on Equity (ROE) | 4.1255% | 4,858 |
| Retained earnings to average equity (ytd only) | 1.2185% | 5,024 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1140% | 2,260 |
| Assets per employee ($millions) | 3.2610% | 5,092 |
| Cash dividends to net income (ytd only)* | 70.4631% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2512% | 5,877 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0483% | 5,272 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 85.6817% | 272 |
| Net loans and leases to deposits | 110.4893% | 249 |
| Net loans and leases to core deposits | 119.3488% | 525 |
| Total domestic deposits to total assets | 77.5475% | 4,993 |
| Equity capital to assets | 14.7420% | 803 |
| Core capital (leverage) ratio | 14.4532% | 729 |
| Tier 1 risk-based capital ratio | 28.9881% | 525 |
| Total risk-based capital ratio | 29.4137% | 564 |
| Memoranda: | ||
| Average total assets | $180,461,000 | 3,174 |
| Average earning assets | $174,683,000 | 3,078 |
| Average equity | $25,822,750 | 2,674 |
| Average total loans | $153,375,750 | 2,601 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6380% | 4,481 |
| Cost of funding earning assets | 0.4917% | 2,173 |
| Net interest margin | 3.1464% | 4,702 |
| Noninterest income to average assets | 0.5134% | 3,101 |
| Noninterest expense to average assets | 2.6353% | 3,591 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5915% | 4,315 |
| Return on assets (ROA) | 0.5915% | 4,435 |
| Pretax return on assets | 0.9246% | 3,860 |
| Return on Equity (ROE) | 4.1743% | 4,847 |
| Retained earnings to average equity (ytd only) | 1.2647% | 4,880 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0272% | 2,354 |
| Assets per employee ($millions) | 3.4308% | 4,868 |
| Cash dividends to net income (ytd only)* | 69.7026% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2506% | 5,957 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0660% | 5,291 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 83.1848% | 493 |
| Net loans and leases to deposits | 109.9298% | 255 |
| Net loans and leases to core deposits | 120.3716% | 505 |
| Total domestic deposits to total assets | 75.6708% | 5,326 |
| Equity capital to assets | 14.2492% | 945 |
| Core capital (leverage) ratio | 14.1156% | 791 |
| Tier 1 risk-based capital ratio | 28.5242% | 565 |
| Total risk-based capital ratio | 28.9442% | 599 |
| Memoranda: | ||
| Average total assets | $181,916,000 | 3,173 |
| Average earning assets | $176,140,330 | 3,081 |
| Average equity | $25,777,000 | 2,686 |
| Average total loans | $154,080,330 | 2,599 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6540% | 4,464 |
| Cost of funding earning assets | 0.4820% | 2,254 |
| Net interest margin | 3.1719% | 4,667 |
| Noninterest income to average assets | 0.4419% | 3,539 |
| Noninterest expense to average assets | 2.6754% | 3,512 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5342% | 4,487 |
| Return on assets (ROA) | 0.5342% | 4,597 |
| Pretax return on assets | 0.8332% | 4,090 |
| Return on Equity (ROE) | 3.7806% | 4,967 |
| Retained earnings to average equity (ytd only) | 0.8557% | 4,882 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2531% | 2,142 |
| Assets per employee ($millions) | 3.5028% | 4,801 |
| Cash dividends to net income (ytd only)* | 77.3663% | 1,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2461% | 6,026 |
| Loan loss allowance to noncurrent loans | 333.3333% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 0.0626% | 5,354 |
| Noncurrent loans to loans | 0.0738% | 5,183 |
| Net loans and leases to total assets | 84.5574% | 321 |
| Net loans and leases to deposits | 111.6704% | 195 |
| Net loans and leases to core deposits | 121.9917% | 415 |
| Total domestic deposits to total assets | 75.7204% | 5,442 |
| Equity capital to assets | 14.1481% | 930 |
| Core capital (leverage) ratio | 14.1247% | 784 |
| Tier 1 risk-based capital ratio | 28.2655% | 591 |
| Total risk-based capital ratio | 28.6834% | 632 |
| Memoranda: | ||
| Average total assets | $181,956,500 | 3,181 |
| Average earning assets | $175,918,500 | 3,095 |
| Average equity | $25,710,500 | 2,685 |
| Average total loans | $155,301,000 | 2,580 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8094% | 4,014 |
| Cost of funding earning assets | 0.4185% | 2,959 |
| Net interest margin | 3.3909% | 3,948 |
| Noninterest income to average assets | 0.5945% | 2,748 |
| Noninterest expense to average assets | 2.6502% | 3,755 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7876% | 3,390 |
| Return on assets (ROA) | 0.7840% | 3,481 |
| Pretax return on assets | 1.2293% | 2,548 |
| Return on Equity (ROE) | 5.4535% | 4,309 |
| Retained earnings to average equity (ytd only) | 2.7425% | 4,119 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2143% | 3,525 |
| Assets per employee ($millions) | 3.3049% | 5,145 |
| Cash dividends to net income (ytd only)* | 49.7106% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2433% | 6,079 |
| Loan loss allowance to noncurrent loans | 348.6239% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 0.0600% | 5,416 |
| Noncurrent loans to loans | 0.0698% | 5,236 |
| Net loans and leases to total assets | 85.7274% | 249 |
| Net loans and leases to deposits | 113.0764% | 180 |
| Net loans and leases to core deposits | 123.2383% | 401 |
| Total domestic deposits to total assets | 75.8137% | 5,465 |
| Equity capital to assets | 14.1119% | 893 |
| Core capital (leverage) ratio | 14.1322% | 787 |
| Tier 1 risk-based capital ratio | 28.0474% | 597 |
| Total risk-based capital ratio | 28.4630% | 633 |
| Memoranda: | ||
| Average total assets | $176,286,000 | 3,215 |
| Average earning assets | $171,077,000 | 3,113 |
| Average equity | $25,341,400 | 2,665 |
| Average total loans | $153,622,800 | 2,548 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8055% | 4,072 |
| Cost of funding earning assets | 0.3995% | 3,229 |
| Net interest margin | 3.4060% | 3,926 |
| Noninterest income to average assets | 0.6052% | 2,708 |
| Noninterest expense to average assets | 2.6854% | 3,613 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7831% | 3,507 |
| Return on assets (ROA) | 0.7783% | 3,621 |
| Pretax return on assets | 1.2204% | 2,731 |
| Return on Equity (ROE) | 5.3883% | 4,451 |
| Retained earnings to average equity (ytd only) | 2.7496% | 4,467 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6210% | 3,431 |
| Assets per employee ($millions) | 3.2934% | 5,135 |
| Cash dividends to net income (ytd only)* | 48.9716% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2372% | 6,166 |
| Loan loss allowance to noncurrent loans | 348.6239% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.0602% | 5,531 |
| Noncurrent loans to loans | 0.0680% | 5,343 |
| Net loans and leases to total assets | 88.2179% | 125 |
| Net loans and leases to deposits | 116.5840% | 143 |
| Net loans and leases to core deposits | 125.7106% | 343 |
| Total domestic deposits to total assets | 75.6690% | 5,541 |
| Equity capital to assets | 14.0930% | 991 |
| Core capital (leverage) ratio | 14.3875% | 758 |
| Tier 1 risk-based capital ratio | 27.5303% | 649 |
| Total risk-based capital ratio | 27.9410% | 694 |
| Memoranda: | ||
| Average total assets | $174,915,500 | 3,260 |
| Average earning assets | $169,889,750 | 3,152 |
| Average equity | $25,264,000 | 2,695 |
| Average total loans | $152,977,250 | 2,566 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8113% | 4,021 |
| Cost of funding earning assets | 0.3855% | 3,421 |
| Net interest margin | 3.4257% | 3,808 |
| Noninterest income to average assets | 0.6017% | 2,731 |
| Noninterest expense to average assets | 2.7447% | 3,431 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7579% | 3,605 |
| Return on assets (ROA) | 0.7579% | 3,706 |
| Pretax return on assets | 1.1884% | 2,823 |
| Return on Equity (ROE) | 5.2034% | 4,524 |
| Retained earnings to average equity (ytd only) | 2.7169% | 4,333 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7852% | 3,363 |
| Assets per employee ($millions) | 3.1355% | 5,421 |
| Cash dividends to net income (ytd only)* | 47.7863% | 2,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2459% | 6,235 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 89.4068% | 87 |
| Net loans and leases to deposits | 115.7627% | 150 |
| Net loans and leases to core deposits | 123.2106% | 387 |
| Total domestic deposits to total assets | 77.2328% | 5,421 |
| Equity capital to assets | 14.6796% | 773 |
| Core capital (leverage) ratio | 14.5977% | 688 |
| Tier 1 risk-based capital ratio | 28.7996% | 599 |
| Total risk-based capital ratio | 29.2323% | 636 |
| Memoranda: | ||
| Average total assets | $172,841,000 | 3,305 |
| Average earning assets | $168,081,330 | 3,192 |
| Average equity | $25,176,000 | 2,709 |
| Average total loans | $150,577,330 | 2,609 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7440% | 4,218 |
| Cost of funding earning assets | 0.3706% | 3,641 |
| Net interest margin | 3.3734% | 3,940 |
| Noninterest income to average assets | 0.4670% | 3,520 |
| Noninterest expense to average assets | 2.7740% | 3,331 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6311% | 4,141 |
| Return on assets (ROA) | 0.6311% | 4,257 |
| Pretax return on assets | 0.9755% | 3,580 |
| Return on Equity (ROE) | 4.3495% | 4,823 |
| Retained earnings to average equity (ytd only) | 2.3580% | 4,511 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9827% | 2,822 |
| Assets per employee ($millions) | 3.1321% | 5,506 |
| Cash dividends to net income (ytd only)* | 45.7875% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2563% | 6,309 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 85.8399% | 204 |
| Net loans and leases to deposits | 106.3406% | 306 |
| Net loans and leases to core deposits | 113.1289% | 604 |
| Total domestic deposits to total assets | 80.7217% | 4,878 |
| Equity capital to assets | 14.6291% | 796 |
| Core capital (leverage) ratio | 14.4586% | 701 |
| Tier 1 risk-based capital ratio | 32.7590% | 433 |
| Total risk-based capital ratio | 33.2550% | 454 |
| Memoranda: | ||
| Average total assets | $173,036,500 | 3,318 |
| Average earning assets | $168,374,000 | 3,205 |
| Average equity | $25,106,500 | 2,739 |
| Average total loans | $148,585,000 | 2,639 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8530% | 4,306 |
| Cost of funding earning assets | 0.4280% | 3,404 |
| Net interest margin | 3.4249% | 4,087 |
| Noninterest income to average assets | 0.4706% | 3,708 |
| Noninterest expense to average assets | 2.7809% | 3,555 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6509% | 4,135 |
| Return on assets (ROA) | 0.6509% | 4,243 |
| Pretax return on assets | 1.0149% | 3,435 |
| Return on Equity (ROE) | 4.5548% | 4,864 |
| Retained earnings to average equity (ytd only) | 2.5268% | 4,439 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2631% | 2,972 |
| Assets per employee ($millions) | 3.1601% | 5,493 |
| Cash dividends to net income (ytd only)* | 44.5236% | 2,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2552% | 6,399 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0293% | 5,926 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 85.4609% | 245 |
| Net loans and leases to deposits | 105.3222% | 384 |
| Net loans and leases to core deposits | 112.2610% | 683 |
| Total domestic deposits to total assets | 81.1423% | 4,698 |
| Equity capital to assets | 14.3907% | 844 |
| Core capital (leverage) ratio | 14.3556% | 741 |
| Tier 1 risk-based capital ratio | 29.4557% | 533 |
| Total risk-based capital ratio | 29.9043% | 569 |
| Memoranda: | ||
| Average total assets | $172,535,600 | 3,299 |
| Average earning assets | $167,506,400 | 3,187 |
| Average equity | $24,655,400 | 2,701 |
| Average total loans | $151,558,400 | 2,551 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9025% | 4,163 |
| Cost of funding earning assets | 0.4423% | 3,343 |
| Net interest margin | 3.4602% | 3,976 |
| Noninterest income to average assets | 0.4877% | 3,632 |
| Noninterest expense to average assets | 2.8049% | 3,443 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6674% | 4,115 |
| Return on assets (ROA) | 0.6674% | 4,215 |
| Pretax return on assets | 1.0382% | 3,434 |
| Return on Equity (ROE) | 4.6784% | 4,865 |
| Retained earnings to average equity (ytd only) | 2.6431% | 4,712 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9855% | 3,001 |
| Assets per employee ($millions) | 3.0019% | 5,718 |
| Cash dividends to net income (ytd only)* | 43.5039% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2503% | 6,479 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0298% | 6,050 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 88.4869% | 95 |
| Net loans and leases to deposits | 109.8750% | 223 |
| Net loans and leases to core deposits | 116.9252% | 469 |
| Total domestic deposits to total assets | 80.5342% | 4,954 |
| Equity capital to assets | 14.5555% | 839 |
| Core capital (leverage) ratio | 14.5030% | 724 |
| Tier 1 risk-based capital ratio | 28.6380% | 602 |
| Total risk-based capital ratio | 29.0766% | 637 |
| Memoranda: | ||
| Average total assets | $172,217,750 | 3,335 |
| Average earning assets | $167,000,000 | 3,222 |
| Average equity | $24,566,250 | 2,711 |
| Average total loans | $152,218,750 | 2,542 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8924% | 4,163 |
| Cost of funding earning assets | 0.4555% | 3,259 |
| Net interest margin | 3.4370% | 4,028 |
| Noninterest income to average assets | 0.4716% | 3,699 |
| Noninterest expense to average assets | 2.8194% | 3,430 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6536% | 4,077 |
| Return on assets (ROA) | 0.6536% | 4,174 |
| Pretax return on assets | 0.9839% | 3,540 |
| Return on Equity (ROE) | 4.6129% | 4,858 |
| Retained earnings to average equity (ytd only) | 2.5682% | 4,569 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1316% | 2,955 |
| Assets per employee ($millions) | 3.1560% | 5,496 |
| Cash dividends to net income (ytd only)* | 44.3262% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2521% | 6,553 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 88.2129% | 92 |
| Net loans and leases to deposits | 109.4260% | 215 |
| Net loans and leases to core deposits | 117.4922% | 442 |
| Total domestic deposits to total assets | 80.6142% | 5,094 |
| Equity capital to assets | 14.4985% | 820 |
| Core capital (leverage) ratio | 14.4598% | 713 |
| Tier 1 risk-based capital ratio | 29.6578% | 540 |
| Total risk-based capital ratio | 30.1152% | 575 |
| Memoranda: | ||
| Average total assets | $172,587,000 | 3,344 |
| Average earning assets | $167,299,000 | 3,230 |
| Average equity | $24,453,000 | 2,716 |
| Average total loans | $152,361,670 | 2,541 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9008% | 4,085 |
| Cost of funding earning assets | 0.4721% | 3,210 |
| Net interest margin | 3.4287% | 3,991 |
| Noninterest income to average assets | 0.3916% | 4,261 |
| Noninterest expense to average assets | 2.8215% | 3,486 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5735% | 4,334 |
| Return on assets (ROA) | 0.5735% | 4,410 |
| Pretax return on assets | 0.8821% | 3,767 |
| Return on Equity (ROE) | 4.0946% | 4,989 |
| Retained earnings to average equity (ytd only) | 2.0391% | 4,795 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1816% | 2,771 |
| Assets per employee ($millions) | 3.1964% | 5,528 |
| Cash dividends to net income (ytd only)* | 50.2008% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2491% | 6,623 |
| Loan loss allowance to noncurrent loans | 4,222.2222% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 6,323 |
| Noncurrent loans to loans | 0.0059% | 6,173 |
| Net loans and leases to total assets | 88.1520% | 79 |
| Net loans and leases to deposits | 108.7693% | 174 |
| Net loans and leases to core deposits | 116.6263% | 394 |
| Total domestic deposits to total assets | 81.0449% | 5,224 |
| Equity capital to assets | 14.1510% | 873 |
| Core capital (leverage) ratio | 14.1666% | 771 |
| Tier 1 risk-based capital ratio | 29.2387% | 563 |
| Total risk-based capital ratio | 29.6930% | 598 |
| Memoranda: | ||
| Average total assets | $173,668,500 | 3,352 |
| Average earning assets | $167,758,500 | 3,246 |
| Average equity | $24,325,000 | 2,717 |
| Average total loans | $153,184,500 | 2,544 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1499% | 3,538 |
| Cost of funding earning assets | 0.5814% | 2,823 |
| Net interest margin | 3.5685% | 3,607 |
| Noninterest income to average assets | 0.4979% | 3,778 |
| Noninterest expense to average assets | 2.7131% | 4,047 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7760% | 3,414 |
| Return on assets (ROA) | 0.7760% | 3,514 |
| Pretax return on assets | 1.2336% | 2,444 |
| Return on Equity (ROE) | 5.6118% | 4,319 |
| Retained earnings to average equity (ytd only) | 3.5303% | 3,712 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7427% | 4,058 |
| Assets per employee ($millions) | 3.1770% | 5,538 |
| Cash dividends to net income (ytd only)* | 37.0920% | 2,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2470% | 6,700 |
| Loan loss allowance to noncurrent loans | 4,222.2222% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 6,421 |
| Noncurrent loans to loans | 0.0059% | 6,286 |
| Net loans and leases to total assets | 87.8226% | 94 |
| Net loans and leases to deposits | 107.9255% | 206 |
| Net loans and leases to core deposits | 115.9550% | 421 |
| Total domestic deposits to total assets | 81.3734% | 5,079 |
| Equity capital to assets | 13.8639% | 943 |
| Core capital (leverage) ratio | 13.7912% | 880 |
| Tier 1 risk-based capital ratio | 28.4369% | 584 |
| Total risk-based capital ratio | 28.8860% | 619 |
| Memoranda: | ||
| Average total assets | $173,713,600 | 3,353 |
| Average earning assets | $167,884,200 | 3,242 |
| Average equity | $24,020,600 | 2,728 |
| Average total loans | $153,661,800 | 2,509 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2086% | 3,357 |
| Cost of funding earning assets | 0.5982% | 2,822 |
| Net interest margin | 3.6104% | 3,398 |
| Noninterest income to average assets | 0.5235% | 3,644 |
| Noninterest expense to average assets | 2.7333% | 3,889 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8048% | 3,322 |
| Return on assets (ROA) | 0.8048% | 3,456 |
| Pretax return on assets | 1.2790% | 2,413 |
| Return on Equity (ROE) | 5.8239% | 4,274 |
| Retained earnings to average equity (ytd only) | 3.7380% | 4,032 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1226% | 4,075 |
| Assets per employee ($millions) | 3.0424% | 5,780 |
| Cash dividends to net income (ytd only)* | 35.8167% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2464% | 6,777 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 90.2925% | 39 |
| Net loans and leases to deposits | 109.7027% | 159 |
| Net loans and leases to core deposits | 117.1728% | 371 |
| Total domestic deposits to total assets | 82.3066% | 4,826 |
| Equity capital to assets | 14.1952% | 906 |
| Core capital (leverage) ratio | 14.0366% | 861 |
| Tier 1 risk-based capital ratio | 28.2744% | 611 |
| Total risk-based capital ratio | 28.7244% | 654 |
| Memoranda: | ||
| Average total assets | $173,458,500 | 3,382 |
| Average earning assets | $167,622,750 | 3,280 |
| Average equity | $23,969,500 | 2,760 |
| Average total loans | $153,618,250 | 2,518 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2245% | 3,263 |
| Cost of funding earning assets | 0.6162% | 2,796 |
| Net interest margin | 3.6083% | 3,324 |
| Noninterest income to average assets | 0.5341% | 3,611 |
| Noninterest expense to average assets | 2.7567% | 3,831 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7943% | 3,324 |
| Return on assets (ROA) | 0.7943% | 3,484 |
| Pretax return on assets | 1.2608% | 2,442 |
| Return on Equity (ROE) | 5.7997% | 4,291 |
| Retained earnings to average equity (ytd only) | 3.7075% | 3,948 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6163% | 4,079 |
| Assets per employee ($millions) | 3.0790% | 5,720 |
| Cash dividends to net income (ytd only)* | 36.0750% | 2,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2492% | 6,819 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 88.2163% | 84 |
| Net loans and leases to deposits | 106.6999% | 205 |
| Net loans and leases to core deposits | 113.0933% | 457 |
| Total domestic deposits to total assets | 82.6770% | 4,820 |
| Equity capital to assets | 13.9012% | 996 |
| Core capital (leverage) ratio | 13.7330% | 905 |
| Tier 1 risk-based capital ratio | 28.1818% | 616 |
| Total risk-based capital ratio | 28.6348% | 654 |
| Memoranda: | ||
| Average total assets | $174,486,670 | 3,380 |
| Average earning assets | $168,444,000 | 3,277 |
| Average equity | $23,897,670 | 2,783 |
| Average total loans | $153,419,330 | 2,527 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2792% | 2,981 |
| Cost of funding earning assets | 0.6278% | 2,858 |
| Net interest margin | 3.6513% | 3,069 |
| Noninterest income to average assets | 0.5583% | 3,377 |
| Noninterest expense to average assets | 2.8100% | 3,658 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8090% | 3,108 |
| Return on assets (ROA) | 0.8090% | 3,241 |
| Pretax return on assets | 1.2739% | 2,318 |
| Return on Equity (ROE) | 5.9509% | 4,076 |
| Retained earnings to average equity (ytd only) | 3.8555% | 3,924 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8058% | 4,174 |
| Assets per employee ($millions) | 3.2576% | 5,528 |
| Cash dividends to net income (ytd only)* | 35.2113% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2474% | 6,903 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 87.1160% | 92 |
| Net loans and leases to deposits | 105.0581% | 211 |
| Net loans and leases to core deposits | 111.0343% | 466 |
| Total domestic deposits to total assets | 82.9218% | 4,877 |
| Equity capital to assets | 13.6389% | 1,164 |
| Core capital (leverage) ratio | 13.3344% | 1,006 |
| Tier 1 risk-based capital ratio | 27.6379% | 663 |
| Total risk-based capital ratio | 28.0863% | 711 |
| Memoranda: | ||
| Average total assets | $175,518,000 | 3,402 |
| Average earning assets | $169,472,500 | 3,285 |
| Average equity | $23,862,000 | 2,816 |
| Average total loans | $153,886,000 | 2,526 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5722% | 3,113 |
| Cost of funding earning assets | 0.8947% | 1,968 |
| Net interest margin | 3.6775% | 3,753 |
| Noninterest income to average assets | 0.5068% | 3,851 |
| Noninterest expense to average assets | 2.6050% | 4,726 |
| Loan and lease loss provision to assets | 0.1813% | 3,363 |
| Net operating income to assets | 0.7822% | 3,360 |
| Return on assets (ROA) | 0.7822% | 3,609 |
| Pretax return on assets | 1.2434% | 2,625 |
| Return on Equity (ROE) | 5.9404% | 4,204 |
| Retained earnings to average equity (ytd only) | 3.8020% | 3,534 |
| Net charge-offs to loans | 0.0205% | 5,618 |
| Credit loss provision to net charge-offs | 1,006.2500% | 251 |
| Earnings coverage of net charge-offs (x) | 79.0625% | 480 |
| Efficiency ratio | 64.6451% | 4,768 |
| Assets per employee ($millions) | 3.2431% | 5,531 |
| Cash dividends to net income (ytd only)* | 35.9971% | 3,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2465% | 6,958 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1074% | 6,318 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 87.8032% | 87 |
| Net loans and leases to deposits | 105.8833% | 227 |
| Net loans and leases to core deposits | 112.0113% | 470 |
| Total domestic deposits to total assets | 82.9245% | 4,752 |
| Equity capital to assets | 13.5512% | 1,210 |
| Core capital (leverage) ratio | 13.2524% | 1,031 |
| Tier 1 risk-based capital ratio | 27.5407% | 658 |
| Total risk-based capital ratio | 27.9925% | 702 |
| Memoranda: | ||
| Average total assets | $177,580,600 | 3,340 |
| Average earning assets | $170,114,000 | 3,226 |
| Average equity | $23,382,400 | 2,812 |
| Average total loans | $155,750,400 | 2,491 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6368% | 3,071 |
| Cost of funding earning assets | 0.9664% | 1,753 |
| Net interest margin | 3.6704% | 3,918 |
| Noninterest income to average assets | 0.4849% | 4,027 |
| Noninterest expense to average assets | 2.5994% | 4,740 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8814% | 3,072 |
| Return on assets (ROA) | 0.8814% | 3,315 |
| Pretax return on assets | 1.4007% | 2,235 |
| Return on Equity (ROE) | 6.7423% | 3,937 |
| Retained earnings to average equity (ytd only) | 4.5960% | 3,667 |
| Net charge-offs to loans | 0.0273% | 5,279 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 58.4940% | 664 |
| Efficiency ratio | 64.9832% | 4,630 |
| Assets per employee ($millions) | 3.2449% | 5,543 |
| Cash dividends to net income (ytd only)* | 31.8337% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0370% | 7,111 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4495% | 5,536 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 91.1589% | 30 |
| Net loans and leases to deposits | 110.4547% | 150 |
| Net loans and leases to core deposits | 117.1510% | 363 |
| Total domestic deposits to total assets | 82.5305% | 4,822 |
| Equity capital to assets | 13.7807% | 1,241 |
| Core capital (leverage) ratio | 13.4357% | 1,034 |
| Tier 1 risk-based capital ratio | 27.0903% | 740 |
| Total risk-based capital ratio | 27.1585% | 822 |
| Memoranda: | ||
| Average total assets | $178,193,750 | 3,378 |
| Average earning assets | $170,659,000 | 3,253 |
| Average equity | $23,295,000 | 2,849 |
| Average total loans | $156,151,000 | 2,517 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6040% | 3,340 |
| Cost of funding earning assets | 1.0496% | 1,473 |
| Net interest margin | 3.5544% | 4,448 |
| Noninterest income to average assets | 0.4549% | 4,255 |
| Noninterest expense to average assets | 2.5673% | 4,893 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8121% | 3,348 |
| Return on assets (ROA) | 0.8121% | 3,603 |
| Pretax return on assets | 1.2914% | 2,589 |
| Return on Equity (ROE) | 6.3212% | 4,145 |
| Retained earnings to average equity (ytd only) | 4.1623% | 3,837 |
| Net charge-offs to loans | 0.0410% | 4,802 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 36.3750% | 945 |
| Efficiency ratio | 66.5325% | 4,423 |
| Assets per employee ($millions) | 3.3319% | 5,379 |
| Cash dividends to net income (ytd only)* | 34.1530% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0373% | 7,179 |
| Loan loss allowance to noncurrent loans | 31.1828% | 6,097 |
| Noncurrent assets plus other real estate owned to assets | 0.4581% | 5,635 |
| Noncurrent loans to loans | 0.1197% | 6,365 |
| Net loans and leases to total assets | 87.9358% | 81 |
| Net loans and leases to deposits | 110.2219% | 144 |
| Net loans and leases to core deposits | 116.9517% | 372 |
| Total domestic deposits to total assets | 79.7807% | 5,801 |
| Equity capital to assets | 13.2454% | 1,414 |
| Core capital (leverage) ratio | 13.0899% | 1,125 |
| Tier 1 risk-based capital ratio | 27.2269% | 706 |
| Total risk-based capital ratio | 27.2954% | 786 |
| Memoranda: | ||
| Average total assets | $180,265,000 | 3,352 |
| Average earning assets | $172,631,330 | 3,236 |
| Average equity | $23,160,000 | 2,837 |
| Average total loans | $155,923,670 | 2,522 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5435% | 3,746 |
| Cost of funding earning assets | 1.0918% | 1,443 |
| Net interest margin | 3.4517% | 4,909 |
| Noninterest income to average assets | 0.4393% | 4,380 |
| Noninterest expense to average assets | 2.5832% | 4,882 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7358% | 3,708 |
| Return on assets (ROA) | 0.7358% | 3,942 |
| Pretax return on assets | 1.1686% | 3,033 |
| Return on Equity (ROE) | 5.8147% | 4,395 |
| Retained earnings to average equity (ytd only) | 3.6450% | 4,390 |
| Net charge-offs to loans | 0.0358% | 4,191 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 38.0000% | 773 |
| Efficiency ratio | 68.8525% | 4,006 |
| Assets per employee ($millions) | 3.3313% | 5,494 |
| Cash dividends to net income (ytd only)* | 37.3134% | 1,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0491% | 7,232 |
| Loan loss allowance to noncurrent loans | 40.6417% | 5,580 |
| Noncurrent assets plus other real estate owned to assets | 0.3247% | 6,076 |
| Noncurrent loans to loans | 0.1208% | 6,446 |
| Net loans and leases to total assets | 84.4700% | 174 |
| Net loans and leases to deposits | 107.7773% | 171 |
| Net loans and leases to core deposits | 114.4296% | 414 |
| Total domestic deposits to total assets | 78.3746% | 6,214 |
| Equity capital to assets | 12.6302% | 1,642 |
| Core capital (leverage) ratio | 12.4510% | 1,361 |
| Tier 1 risk-based capital ratio | 25.6889% | 836 |
| Total risk-based capital ratio | 25.7746% | 936 |
| Memoranda: | ||
| Average total assets | $182,103,000 | 3,346 |
| Average earning assets | $174,757,000 | 3,226 |
| Average equity | $23,045,000 | 2,849 |
| Average total loans | $156,214,000 | 2,535 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0009% | 2,876 |
| Cost of funding earning assets | 1.2514% | 1,729 |
| Net interest margin | 3.7495% | 4,081 |
| Noninterest income to average assets | 0.3474% | 5,030 |
| Noninterest expense to average assets | 2.5021% | 5,458 |
| Loan and lease loss provision to assets | 0.1010% | 5,323 |
| Net operating income to assets | 0.8436% | 2,861 |
| Return on assets (ROA) | 0.8436% | 3,012 |
| Pretax return on assets | 1.3414% | 1,977 |
| Return on Equity (ROE) | 6.6777% | 3,549 |
| Retained earnings to average equity (ytd only) | 4.4562% | 2,999 |
| Net charge-offs to loans | 0.1134% | 5,241 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 14.2778% | 1,468 |
| Efficiency ratio | 63.4320% | 5,227 |
| Assets per employee ($millions) | 3.3516% | 5,369 |
| Cash dividends to net income (ytd only)* | 33.2668% | 2,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0571% | 7,284 |
| Loan loss allowance to noncurrent loans | 11.5090% | 6,803 |
| Noncurrent assets plus other real estate owned to assets | 0.6581% | 5,339 |
| Noncurrent loans to loans | 0.4962% | 5,717 |
| Net loans and leases to total assets | 87.0211% | 108 |
| Net loans and leases to deposits | 111.0566% | 159 |
| Net loans and leases to core deposits | 118.2607% | 391 |
| Total domestic deposits to total assets | 78.3574% | 6,124 |
| Equity capital to assets | 12.6800% | 1,673 |
| Core capital (leverage) ratio | 12.5220% | 1,342 |
| Tier 1 risk-based capital ratio | 26.0022% | 777 |
| Total risk-based capital ratio | 26.1058% | 873 |
| Memoranda: | ||
| Average total assets | $178,173,800 | 3,361 |
| Average earning assets | $170,927,600 | 3,230 |
| Average equity | $22,507,800 | 2,834 |
| Average total loans | $158,694,000 | 2,518 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0615% | 2,795 |
| Cost of funding earning assets | 1.2777% | 1,830 |
| Net interest margin | 3.7838% | 3,951 |
| Noninterest income to average assets | 0.3246% | 5,271 |
| Noninterest expense to average assets | 2.5250% | 5,377 |
| Loan and lease loss provision to assets | 0.0706% | 5,569 |
| Net operating income to assets | 0.8535% | 2,926 |
| Return on assets (ROA) | 0.8535% | 3,082 |
| Pretax return on assets | 1.3576% | 2,094 |
| Return on Equity (ROE) | 6.7625% | 3,633 |
| Retained earnings to average equity (ytd only) | 4.5301% | 3,494 |
| Net charge-offs to loans | 0.1468% | 4,601 |
| Credit loss provision to net charge-offs | 53.7143% | 4,954 |
| Earnings coverage of net charge-offs (x) | 10.8627% | 1,870 |
| Efficiency ratio | 63.8731% | 5,096 |
| Assets per employee ($millions) | 3.2984% | 5,484 |
| Cash dividends to net income (ytd only)* | 33.0107% | 2,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0063% | 7,370 |
| Loan loss allowance to noncurrent loans | 1.2903% | 6,954 |
| Noncurrent assets plus other real estate owned to assets | 0.6586% | 5,493 |
| Noncurrent loans to loans | 0.4876% | 5,872 |
| Net loans and leases to total assets | 89.2332% | 49 |
| Net loans and leases to deposits | 114.3319% | 127 |
| Net loans and leases to core deposits | 121.5248% | 349 |
| Total domestic deposits to total assets | 78.0475% | 6,183 |
| Equity capital to assets | 12.7762% | 1,737 |
| Core capital (leverage) ratio | 12.5939% | 1,392 |
| Tier 1 risk-based capital ratio | 25.6346% | 865 |
| Total risk-based capital ratio | 25.6460% | 955 |
| Memoranda: | ||
| Average total assets | $177,470,750 | 3,390 |
| Average earning assets | $170,195,500 | 3,248 |
| Average equity | $22,397,500 | 2,844 |
| Average total loans | $158,971,000 | 2,529 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0995% | 2,689 |
| Cost of funding earning assets | 1.2928% | 1,988 |
| Net interest margin | 3.8067% | 3,750 |
| Noninterest income to average assets | 0.3080% | 5,430 |
| Noninterest expense to average assets | 2.5353% | 5,420 |
| Loan and lease loss provision to assets | 0.0169% | 6,072 |
| Net operating income to assets | 0.8846% | 2,716 |
| Return on assets (ROA) | 0.8846% | 2,818 |
| Pretax return on assets | 1.4070% | 1,780 |
| Return on Equity (ROE) | 7.0383% | 3,432 |
| Retained earnings to average equity (ytd only) | 4.7940% | 3,130 |
| Net charge-offs to loans | 0.1208% | 4,507 |
| Credit loss provision to net charge-offs | 15.6250% | 5,190 |
| Earnings coverage of net charge-offs (x) | 13.1458% | 1,574 |
| Efficiency ratio | 64.0353% | 5,233 |
| Assets per employee ($millions) | 3.0142% | 6,056 |
| Cash dividends to net income (ytd only)* | 31.8878% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0056% | 7,445 |
| Loan loss allowance to noncurrent loans | 0.9564% | 7,007 |
| Noncurrent assets plus other real estate owned to assets | 0.6557% | 5,590 |
| Noncurrent loans to loans | 0.5850% | 5,759 |
| Net loans and leases to total assets | 90.4423% | 37 |
| Net loans and leases to deposits | 115.3357% | 116 |
| Net loans and leases to core deposits | 123.5049% | 351 |
| Total domestic deposits to total assets | 78.4165% | 6,211 |
| Equity capital to assets | 12.6662% | 1,699 |
| Core capital (leverage) ratio | 12.4850% | 1,364 |
| Tier 1 risk-based capital ratio | 25.3972% | 867 |
| Total risk-based capital ratio | 25.4075% | 966 |
| Memoranda: | ||
| Average total assets | $177,257,000 | 3,411 |
| Average earning assets | $170,018,000 | 3,275 |
| Average equity | $22,278,000 | 2,845 |
| Average total loans | $158,979,670 | 2,551 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0490% | 2,862 |
| Cost of funding earning assets | 1.3188% | 2,074 |
| Net interest margin | 3.7303% | 3,943 |
| Noninterest income to average assets | 0.3006% | 5,516 |
| Noninterest expense to average assets | 2.6016% | 5,220 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8047% | 3,004 |
| Return on assets (ROA) | 0.8047% | 3,069 |
| Pretax return on assets | 1.2793% | 2,103 |
| Return on Equity (ROE) | 6.4276% | 3,662 |
| Retained earnings to average equity (ytd only) | 4.1707% | 3,666 |
| Net charge-offs to loans | 0.0177% | 4,831 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 80.8571% | 381 |
| Efficiency ratio | 67.0355% | 4,846 |
| Assets per employee ($millions) | 3.3162% | 5,438 |
| Cash dividends to net income (ytd only)* | 35.1124% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0524% | 7,489 |
| Loan loss allowance to noncurrent loans | 20.2439% | 6,766 |
| Noncurrent assets plus other real estate owned to assets | 0.2868% | 6,474 |
| Noncurrent loans to loans | 0.2591% | 6,470 |
| Net loans and leases to total assets | 89.9915% | 43 |
| Net loans and leases to deposits | 112.6695% | 149 |
| Net loans and leases to core deposits | 120.1671% | 413 |
| Total domestic deposits to total assets | 79.8721% | 5,975 |
| Equity capital to assets | 12.6086% | 1,567 |
| Core capital (leverage) ratio | 12.4525% | 1,345 |
| Tier 1 risk-based capital ratio | 25.5564% | 829 |
| Total risk-based capital ratio | 26.0542% | 879 |
| Memoranda: | ||
| Average total assets | $176,968,000 | 3,433 |
| Average earning assets | $169,854,000 | 3,306 |
| Average equity | $22,154,500 | 2,850 |
| Average total loans | $158,046,000 | 2,594 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1317% | 3,950 |
| Cost of funding earning assets | 1.8368% | 1,039 |
| Net interest margin | 3.2949% | 5,995 |
| Noninterest income to average assets | 0.3351% | 5,390 |
| Noninterest expense to average assets | 2.3841% | 6,128 |
| Loan and lease loss provision to assets | 0.0182% | 6,931 |
| Net operating income to assets | 0.6939% | 3,254 |
| Return on assets (ROA) | 0.6939% | 3,385 |
| Pretax return on assets | 1.1036% | 2,569 |
| Return on Equity (ROE) | 5.7845% | 3,705 |
| Retained earnings to average equity (ytd only) | 3.4799% | 3,434 |
| Net charge-offs to loans | 0.0193% | 6,619 |
| Credit loss provision to net charge-offs | 110.0000% | 4,007 |
| Earnings coverage of net charge-offs (x) | 67.6333% | 357 |
| Efficiency ratio | 68.0019% | 4,564 |
| Assets per employee ($millions) | 3.3618% | 5,270 |
| Cash dividends to net income (ytd only)* | 39.8406% | 2,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0570% | 7,563 |
| Loan loss allowance to noncurrent loans | 36.7347% | 5,861 |
| Noncurrent assets plus other real estate owned to assets | 0.2969% | 6,499 |
| Noncurrent loans to loans | 0.1552% | 6,756 |
| Net loans and leases to total assets | 88.5360% | 87 |
| Net loans and leases to deposits | 111.8169% | 205 |
| Net loans and leases to core deposits | 118.4791% | 575 |
| Total domestic deposits to total assets | 79.1795% | 6,039 |
| Equity capital to assets | 12.4305% | 1,682 |
| Core capital (leverage) ratio | 12.1769% | 1,444 |
| Tier 1 risk-based capital ratio | 25.1102% | 832 |
| Total risk-based capital ratio | 25.8663% | 865 |
| Memoranda: | ||
| Average total assets | $180,862,600 | 3,363 |
| Average earning assets | $174,054,600 | 3,205 |
| Average equity | $21,696,000 | 2,915 |
| Average total loans | $155,381,000 | 2,677 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1064% | 4,283 |
| Cost of funding earning assets | 1.8889% | 1,065 |
| Net interest margin | 3.2175% | 6,281 |
| Noninterest income to average assets | 0.3312% | 5,512 |
| Noninterest expense to average assets | 2.3539% | 6,167 |
| Loan and lease loss provision to assets | 0.0242% | 6,822 |
| Net operating income to assets | 0.6595% | 3,601 |
| Return on assets (ROA) | 0.6595% | 3,764 |
| Pretax return on assets | 1.0495% | 2,999 |
| Return on Equity (ROE) | 5.5474% | 4,022 |
| Retained earnings to average equity (ytd only) | 3.2309% | 4,164 |
| Net charge-offs to loans | 0.0258% | 6,310 |
| Credit loss provision to net charge-offs | 110.0000% | 3,858 |
| Earnings coverage of net charge-offs (x) | 48.7320% | 576 |
| Efficiency ratio | 68.6737% | 4,339 |
| Assets per employee ($millions) | 3.4780% | 5,030 |
| Cash dividends to net income (ytd only)* | 41.7598% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0579% | 7,676 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1541% | 6,973 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 84.3426% | 312 |
| Net loans and leases to deposits | 110.6538% | 245 |
| Net loans and leases to core deposits | 117.6204% | 694 |
| Total domestic deposits to total assets | 76.2221% | 6,610 |
| Equity capital to assets | 11.9429% | 2,191 |
| Core capital (leverage) ratio | 11.6516% | 1,842 |
| Tier 1 risk-based capital ratio | 24.6153% | 885 |
| Total risk-based capital ratio | 24.7190% | 982 |
| Memoranda: | ||
| Average total assets | $181,534,500 | 3,403 |
| Average earning assets | $174,704,500 | 3,238 |
| Average equity | $21,583,000 | 2,972 |
| Average total loans | $154,766,500 | 2,731 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0943% | 4,492 |
| Cost of funding earning assets | 1.9151% | 1,184 |
| Net interest margin | 3.1792% | 6,382 |
| Noninterest income to average assets | 0.3289% | 5,527 |
| Noninterest expense to average assets | 2.3721% | 6,142 |
| Loan and lease loss provision to assets | 0.0078% | 6,816 |
| Net operating income to assets | 0.6345% | 3,711 |
| Return on assets (ROA) | 0.6345% | 3,848 |
| Pretax return on assets | 1.0100% | 3,078 |
| Return on Equity (ROE) | 5.3454% | 4,114 |
| Retained earnings to average equity (ytd only) | 3.0132% | 4,198 |
| Net charge-offs to loans | 0.0414% | 5,794 |
| Credit loss provision to net charge-offs | 21.8750% | 5,832 |
| Earnings coverage of net charge-offs (x) | 28.7188% | 946 |
| Efficiency ratio | 69.9771% | 4,193 |
| Assets per employee ($millions) | 3.3780% | 5,244 |
| Cash dividends to net income (ytd only)* | 43.6300% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0408% | 7,751 |
| Loan loss allowance to noncurrent loans | 16.2791% | 7,103 |
| Noncurrent assets plus other real estate owned to assets | 0.4440% | 6,337 |
| Noncurrent loans to loans | 0.2505% | 6,729 |
| Net loans and leases to total assets | 86.2569% | 213 |
| Net loans and leases to deposits | 113.9764% | 205 |
| Net loans and leases to core deposits | 121.5228% | 646 |
| Total domestic deposits to total assets | 75.6796% | 6,752 |
| Equity capital to assets | 12.1362% | 2,022 |
| Core capital (leverage) ratio | 11.8770% | 1,713 |
| Tier 1 risk-based capital ratio | 24.7844% | 862 |
| Total risk-based capital ratio | 24.8582% | 968 |
| Memoranda: | ||
| Average total assets | $180,601,000 | 3,436 |
| Average earning assets | $173,881,670 | 3,273 |
| Average equity | $21,439,000 | 2,985 |
| Average total loans | $154,501,000 | 2,770 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1292% | 4,399 |
| Cost of funding earning assets | 1.9295% | 1,323 |
| Net interest margin | 3.1998% | 6,295 |
| Noninterest income to average assets | 0.2558% | 6,101 |
| Noninterest expense to average assets | 2.4059% | 6,058 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5866% | 3,953 |
| Return on assets (ROA) | 0.5866% | 4,099 |
| Pretax return on assets | 0.9328% | 3,334 |
| Return on Equity (ROE) | 4.9966% | 4,364 |
| Retained earnings to average equity (ytd only) | 2.6486% | 4,558 |
| Net charge-offs to loans | 0.0233% | 5,249 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 47.0000% | 601 |
| Efficiency ratio | 72.0608% | 3,919 |
| Assets per employee ($millions) | 3.4453% | 5,162 |
| Cash dividends to net income (ytd only)* | 46.9925% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0510% | 7,850 |
| Loan loss allowance to noncurrent loans | 26.2626% | 6,650 |
| Noncurrent assets plus other real estate owned to assets | 0.2350% | 6,869 |
| Noncurrent loans to loans | 0.1941% | 6,953 |
| Net loans and leases to total assets | 85.3590% | 263 |
| Net loans and leases to deposits | 112.4407% | 247 |
| Net loans and leases to core deposits | 119.2909% | 810 |
| Total domestic deposits to total assets | 75.9147% | 6,772 |
| Equity capital to assets | 11.9411% | 2,072 |
| Core capital (leverage) ratio | 11.7504% | 1,776 |
| Tier 1 risk-based capital ratio | 24.6240% | 905 |
| Total risk-based capital ratio | 24.7156% | 991 |
| Memoranda: | ||
| Average total assets | $181,384,000 | 3,477 |
| Average earning assets | $174,762,500 | 3,324 |
| Average equity | $21,294,500 | 3,034 |
| Average total loans | $154,505,000 | 2,834 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4247% | 4,565 |
| Cost of funding earning assets | 2.1735% | 2,144 |
| Net interest margin | 3.2512% | 5,928 |
| Noninterest income to average assets | 0.3347% | 5,699 |
| Noninterest expense to average assets | 2.3588% | 6,574 |
| Loan and lease loss provision to assets | 0.0252% | 7,259 |
| Net operating income to assets | 0.6864% | 2,990 |
| Return on assets (ROA) | 0.7215% | 2,920 |
| Pretax return on assets | 1.1473% | 2,105 |
| Return on Equity (ROE) | 6.3579% | 3,052 |
| Retained earnings to average equity (ytd only) | 5.7536% | 1,445 |
| Net charge-offs to loans | 0.0301% | 6,827 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 44.2826% | 565 |
| Efficiency ratio | 67.8504% | 5,030 |
| Assets per employee ($millions) | 3.4002% | 5,257 |
| Cash dividends to net income (ytd only)* | 9.5057% | 3,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0558% | 7,926 |
| Loan loss allowance to noncurrent loans | 27.4448% | 6,642 |
| Noncurrent assets plus other real estate owned to assets | 0.1726% | 7,047 |
| Noncurrent loans to loans | 0.2032% | 6,916 |
| Net loans and leases to total assets | 84.9177% | 360 |
| Net loans and leases to deposits | 110.9182% | 354 |
| Net loans and leases to core deposits | 143.4539% | 693 |
| Total domestic deposits to total assets | 76.5588% | 6,575 |
| Equity capital to assets | 11.5438% | 2,289 |
| Core capital (leverage) ratio | 11.3814% | 1,982 |
| Tier 1 risk-based capital ratio | 23.9261% | 955 |
| Total risk-based capital ratio | 24.0260% | 1,040 |
| Memoranda: | ||
| Average total assets | $182,256,200 | 3,404 |
| Average earning assets | $176,120,600 | 3,266 |
| Average equity | $20,682,800 | 3,109 |
| Average total loans | $152,931,000 | 2,875 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4312% | 4,786 |
| Cost of funding earning assets | 2.2187% | 2,314 |
| Net interest margin | 3.2125% | 5,968 |
| Noninterest income to average assets | 0.3547% | 5,657 |
| Noninterest expense to average assets | 2.3109% | 6,670 |
| Loan and lease loss provision to assets | 0.0337% | 7,022 |
| Net operating income to assets | 0.7014% | 3,201 |
| Return on assets (ROA) | 0.7483% | 3,088 |
| Pretax return on assets | 1.1895% | 2,300 |
| Return on Equity (ROE) | 6.6229% | 3,254 |
| Retained earnings to average equity (ytd only) | 6.6229% | 1,659 |
| Net charge-offs to loans | 0.0403% | 6,340 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | 34.1097% | 845 |
| Efficiency ratio | 66.7726% | 5,231 |
| Assets per employee ($millions) | 3.3799% | 5,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0562% | 8,015 |
| Loan loss allowance to noncurrent loans | 27.3585% | 6,638 |
| Noncurrent assets plus other real estate owned to assets | 0.1742% | 7,095 |
| Noncurrent loans to loans | 0.2056% | 6,985 |
| Net loans and leases to total assets | 84.7172% | 461 |
| Net loans and leases to deposits | 110.9390% | 428 |
| Net loans and leases to core deposits | 141.9317% | 837 |
| Total domestic deposits to total assets | 76.3637% | 6,509 |
| Equity capital to assets | 11.5927% | 2,512 |
| Core capital (leverage) ratio | 11.3704% | 2,141 |
| Tier 1 risk-based capital ratio | 23.4780% | 1,054 |
| Total risk-based capital ratio | 23.5769% | 1,166 |
| Memoranda: | ||
| Average total assets | $181,917,000 | 3,435 |
| Average earning assets | $175,893,750 | 3,298 |
| Average equity | $20,554,500 | 3,165 |
| Average total loans | $152,162,000 | 2,913 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4908% | 4,684 |
| Cost of funding earning assets | 2.2753% | 2,462 |
| Net interest margin | 3.2155% | 5,860 |
| Noninterest income to average assets | 0.3027% | 6,100 |
| Noninterest expense to average assets | 2.2837% | 6,803 |
| Loan and lease loss provision to assets | 0.0506% | 6,723 |
| Net operating income to assets | 0.6769% | 3,358 |
| Return on assets (ROA) | 0.7473% | 3,163 |
| Pretax return on assets | 1.1875% | 2,337 |
| Return on Equity (ROE) | 6.6721% | 3,350 |
| Retained earnings to average equity (ytd only) | 6.6721% | 1,711 |
| Net charge-offs to loans | 0.0608% | 5,650 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | 22.2826% | 1,231 |
| Efficiency ratio | 66.9355% | 5,377 |
| Assets per employee ($millions) | 3.2898% | 5,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0533% | 8,107 |
| Loan loss allowance to noncurrent loans | 26.1006% | 6,766 |
| Noncurrent assets plus other real estate owned to assets | 0.1757% | 7,107 |
| Noncurrent loans to loans | 0.2041% | 7,000 |
| Net loans and leases to total assets | 86.0616% | 372 |
| Net loans and leases to deposits | 113.6071% | 416 |
| Net loans and leases to core deposits | 138.4353% | 1,081 |
| Total domestic deposits to total assets | 75.7537% | 6,604 |
| Equity capital to assets | 11.4099% | 2,594 |
| Core capital (leverage) ratio | 11.2629% | 2,219 |
| Tier 1 risk-based capital ratio | 22.9269% | 1,144 |
| Total risk-based capital ratio | 23.0205% | 1,259 |
| Memoranda: | ||
| Average total assets | $181,718,670 | 3,458 |
| Average earning assets | $175,710,670 | 3,321 |
| Average equity | $20,353,330 | 3,192 |
| Average total loans | $151,314,000 | 2,955 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4534% | 5,164 |
| Cost of funding earning assets | 2.3576% | 2,479 |
| Net interest margin | 3.0958% | 6,211 |
| Noninterest income to average assets | 0.1999% | 6,859 |
| Noninterest expense to average assets | 2.2075% | 6,849 |
| Loan and lease loss provision to assets | 0.1010% | 5,673 |
| Net operating income to assets | 0.5557% | 4,199 |
| Return on assets (ROA) | 0.6963% | 3,763 |
| Pretax return on assets | 1.1048% | 2,971 |
| Return on Equity (ROE) | 6.2749% | 3,917 |
| Retained earnings to average equity (ytd only) | 6.2749% | 2,507 |
| Net charge-offs to loans | 0.1234% | 3,990 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 9.7609% | 2,025 |
| Efficiency ratio | 69.1197% | 4,753 |
| Assets per employee ($millions) | 3.4052% | 5,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0557% | 8,159 |
| Loan loss allowance to noncurrent loans | 41.5000% | 5,779 |
| Noncurrent assets plus other real estate owned to assets | 0.1108% | 7,259 |
| Noncurrent loans to loans | 0.1342% | 7,138 |
| Net loans and leases to total assets | 82.5232% | 927 |
| Net loans and leases to deposits | 107.8045% | 739 |
| Net loans and leases to core deposits | 130.1953% | 1,645 |
| Total domestic deposits to total assets | 76.5490% | 6,389 |
| Equity capital to assets | 11.2875% | 2,733 |
| Core capital (leverage) ratio | 11.0996% | 2,432 |
| Tier 1 risk-based capital ratio | 22.9710% | 1,198 |
| Total risk-based capital ratio | 23.0665% | 1,292 |
| Memoranda: | ||
| Average total assets | $182,108,500 | 3,475 |
| Average earning assets | $176,110,500 | 3,339 |
| Average equity | $20,207,500 | 3,232 |
| Average total loans | $149,070,000 | 3,020 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4759% | 7,350 |
| Cost of funding earning assets | 2.9576% | 2,032 |
| Net interest margin | 2.5183% | 7,735 |
| Noninterest income to average assets | 0.2096% | 6,940 |
| Noninterest expense to average assets | 2.2031% | 6,955 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.2777% | 5,624 |
| Return on assets (ROA) | 0.3550% | 5,135 |
| Pretax return on assets | 0.5619% | 4,807 |
| Return on Equity (ROE) | 3.3791% | 5,091 |
| Retained earnings to average equity (ytd only) | 3.3791% | 3,050 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3196% | 2,137 |
| Assets per employee ($millions) | 3.5335% | 4,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0570% | 8,218 |
| Loan loss allowance to noncurrent loans | 35.2697% | 6,391 |
| Noncurrent assets plus other real estate owned to assets | 0.1393% | 7,025 |
| Noncurrent loans to loans | 0.1616% | 6,921 |
| Net loans and leases to total assets | 81.1127% | 1,411 |
| Net loans and leases to deposits | 104.8065% | 1,262 |
| Net loans and leases to core deposits | 128.2961% | 1,982 |
| Total domestic deposits to total assets | 77.3929% | 5,898 |
| Equity capital to assets | 10.9087% | 3,112 |
| Core capital (leverage) ratio | 10.7273% | 2,794 |
| Tier 1 risk-based capital ratio | 22.4298% | 1,258 |
| Total risk-based capital ratio | 22.5269% | 1,386 |
| Memoranda: | ||
| Average total assets | $183,648,800 | 3,364 |
| Average earning assets | $177,541,800 | 3,215 |
| Average equity | $19,294,800 | 3,347 |
| Average total loans | $151,554,200 | 2,897 |