Home > First Federal Savings and Loan Association of San Rafael > Performance and Condition Ratios
First Federal Savings and Loan Association of San Rafael, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3745% | 3,323 |
| Cost of funding earning assets | 1.5735% | 1,766 |
| Net interest margin | 2.8010% | 3,659 |
| Noninterest income to average assets | 0.0900% | 4,319 |
| Noninterest expense to average assets | 2.7346% | 1,653 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | -0.0195% | 4,398 |
| Return on assets (ROA) | -0.0195% | 4,382 |
| Pretax return on assets | -0.0239% | 4,369 |
| Return on Equity (ROE) | -0.1000% | 4,351 |
| Retained earnings to average equity (ytd only) | -0.1020% | 4,094 |
| 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 | 100.4550% | 184 |
| Assets per employee ($millions) | 7.8818% | 1,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6194% | 4,220 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 91.2600% | 25 |
| Net loans and leases to deposits | 119.1139% | 89 |
| Net loans and leases to core deposits | 165.7154% | 132 |
| Total domestic deposits to total assets | 76.6100% | 3,881 |
| Equity capital to assets | 18.7560% | 319 |
| Core capital (leverage) ratio | 18.8980% | 298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9643% | 427 |
| Memoranda: | ||
| Average total assets | $226,062,600 | 2,810 |
| Average earning assets | $212,779,000 | 2,785 |
| Average equity | $43,129,400 | 1,782 |
| Average total loans | $204,880,600 | 2,253 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2986% | 3,295 |
| Cost of funding earning assets | 1.4004% | 1,867 |
| Net interest margin | 2.8982% | 3,548 |
| Noninterest income to average assets | 0.0900% | 4,338 |
| Noninterest expense to average assets | 2.8034% | 1,431 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.0030% | 4,371 |
| Return on assets (ROA) | 0.0030% | 4,393 |
| Pretax return on assets | -0.0030% | 4,404 |
| Return on Equity (ROE) | 0.0200% | 4,380 |
| Retained earnings to average equity (ytd only) | 0.0154% | 4,107 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 99.5589% | 186 |
| Assets per employee ($millions) | 7.3290% | 1,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6223% | 4,239 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 91.3700% | 21 |
| Net loans and leases to deposits | 119.4253% | 80 |
| Net loans and leases to core deposits | 160.9603% | 104 |
| Total domestic deposits to total assets | 76.5100% | 3,972 |
| Equity capital to assets | 18.8908% | 315 |
| Core capital (leverage) ratio | 18.8423% | 306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1723% | 424 |
| Memoranda: | ||
| Average total assets | $225,435,250 | 2,825 |
| Average earning assets | $212,311,000 | 2,799 |
| Average equity | $43,194,000 | 1,772 |
| Average total loans | $203,628,000 | 2,264 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1865% | 3,321 |
| Cost of funding earning assets | 1.1615% | 2,104 |
| Net interest margin | 3.0250% | 3,367 |
| Noninterest income to average assets | 0.0900% | 4,358 |
| Noninterest expense to average assets | 2.8873% | 1,238 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.0374% | 4,398 |
| Return on assets (ROA) | 0.0374% | 4,430 |
| Pretax return on assets | 0.0285% | 4,430 |
| Return on Equity (ROE) | 0.1900% | 4,421 |
| Retained earnings to average equity (ytd only) | 0.1941% | 4,037 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 98.2446% | 194 |
| Assets per employee ($millions) | 7.1018% | 1,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4631% | 4,408 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 91.3600% | 23 |
| Net loans and leases to deposits | 123.8419% | 71 |
| Net loans and leases to core deposits | 153.5414% | 128 |
| Total domestic deposits to total assets | 73.7700% | 4,211 |
| Equity capital to assets | 19.0569% | 305 |
| Core capital (leverage) ratio | 19.5118% | 284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8757% | 491 |
| Memoranda: | ||
| Average total assets | $224,847,000 | 2,836 |
| Average earning assets | $211,965,000 | 2,814 |
| Average equity | $43,285,333 | 1,774 |
| Average total loans | $201,871,667 | 2,277 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1578% | 3,122 |
| Cost of funding earning assets | 1.0115% | 2,007 |
| Net interest margin | 3.1463% | 3,245 |
| Noninterest income to average assets | 0.0900% | 4,407 |
| Noninterest expense to average assets | 3.0316% | 1,010 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.0286% | 4,463 |
| Return on assets (ROA) | 0.0286% | 4,449 |
| Pretax return on assets | 0.0286% | 4,439 |
| Return on Equity (ROE) | 0.1500% | 4,441 |
| Retained earnings to average equity (ytd only) | 0.1479% | 3,998 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 99.0649% | 186 |
| Assets per employee ($millions) | 6.7034% | 2,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4746% | 4,455 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 89.1000% | 49 |
| Net loans and leases to deposits | 111.6311% | 161 |
| Net loans and leases to core deposits | 135.6853% | 223 |
| Total domestic deposits to total assets | 79.8200% | 3,785 |
| Equity capital to assets | 19.5658% | 249 |
| Core capital (leverage) ratio | 19.3399% | 293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3136% | 417 |
| Memoranda: | ||
| Average total assets | $223,642,500 | 2,885 |
| Average earning assets | $211,168,500 | 2,851 |
| Average equity | $43,274,000 | 1,788 |
| Average total loans | $198,519,000 | 2,318 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8440% | 2,157 |
| Cost of funding earning assets | 0.4783% | 1,538 |
| Net interest margin | 3.3657% | 2,362 |
| Noninterest income to average assets | 0.0800% | 4,504 |
| Noninterest expense to average assets | 2.9062% | 1,115 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.2806% | 4,384 |
| Return on assets (ROA) | 0.2806% | 4,358 |
| Pretax return on assets | 0.3711% | 4,311 |
| Return on Equity (ROE) | 1.5400% | 4,427 |
| Retained earnings to average equity (ytd only) | 1.5366% | 4,092 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 88.6756% | 334 |
| Assets per employee ($millions) | 6.6492% | 2,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4724% | 4,460 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 87.6100% | 85 |
| Net loans and leases to deposits | 109.1641% | 173 |
| Net loans and leases to core deposits | 129.3823% | 231 |
| Total domestic deposits to total assets | 80.2500% | 3,838 |
| Equity capital to assets | 19.1381% | 248 |
| Core capital (leverage) ratio | 18.8053% | 298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2399% | 406 |
| Memoranda: | ||
| Average total assets | $235,220,600 | 2,817 |
| Average earning assets | $223,492,000 | 2,784 |
| Average equity | $42,951,000 | 1,822 |
| Average total loans | $198,534,200 | 2,238 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7563% | 1,872 |
| Cost of funding earning assets | 0.3795% | 1,447 |
| Net interest margin | 3.3769% | 2,049 |
| Noninterest income to average assets | 0.0800% | 4,530 |
| Noninterest expense to average assets | 2.8574% | 1,130 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3256% | 4,348 |
| Return on assets (ROA) | 0.3256% | 4,303 |
| Pretax return on assets | 0.4339% | 4,231 |
| Return on Equity (ROE) | 1.8000% | 4,419 |
| Retained earnings to average equity (ytd only) | 1.8038% | 4,069 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 86.8156% | 426 |
| Assets per employee ($millions) | 6.6344% | 2,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4773% | 4,495 |
| 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 | 84.4000% | 217 |
| Net loans and leases to deposits | 104.3906% | 229 |
| Net loans and leases to core deposits | 117.3514% | 307 |
| Total domestic deposits to total assets | 80.8500% | 4,008 |
| Equity capital to assets | 18.5982% | 254 |
| Core capital (leverage) ratio | 18.4207% | 301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6780% | 398 |
| Memoranda: | ||
| Average total assets | $237,507,500 | 2,817 |
| Average earning assets | $225,924,500 | 2,786 |
| Average equity | $42,872,250 | 1,851 |
| Average total loans | $198,419,750 | 2,240 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6056% | 1,831 |
| Cost of funding earning assets | 0.3346% | 1,400 |
| Net interest margin | 3.2710% | 1,989 |
| Noninterest income to average assets | 0.0777% | 4,564 |
| Noninterest expense to average assets | 2.7884% | 1,197 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3026% | 4,283 |
| Return on assets (ROA) | 0.3026% | 4,231 |
| Pretax return on assets | 0.4020% | 4,155 |
| Return on Equity (ROE) | 1.6929% | 4,383 |
| Retained earnings to average equity (ytd only) | 1.6929% | 3,828 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3985% | 518 |
| Assets per employee ($millions) | 7.3101% | 1,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4582% | 4,585 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 87.2919% | 60 |
| Net loans and leases to deposits | 107.6251% | 109 |
| Net loans and leases to core deposits | 114.0499% | 280 |
| Total domestic deposits to total assets | 81.1074% | 4,115 |
| Equity capital to assets | 18.3685% | 211 |
| Core capital (leverage) ratio | 18.0052% | 275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5267% | 506 |
| Memoranda: | ||
| Average total assets | $239,275,000 | 2,835 |
| Average earning assets | $227,701,000 | 2,811 |
| Average equity | $42,767,667 | 1,906 |
| Average total loans | $198,918,000 | 2,244 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4835% | 1,857 |
| Cost of funding earning assets | 0.3351% | 1,323 |
| Net interest margin | 3.1483% | 2,027 |
| Noninterest income to average assets | 0.0760% | 4,587 |
| Noninterest expense to average assets | 2.8121% | 1,138 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2033% | 4,329 |
| Return on assets (ROA) | 0.2033% | 4,296 |
| Pretax return on assets | 0.2612% | 4,253 |
| Return on Equity (ROE) | 1.1531% | 4,398 |
| Retained earnings to average equity (ytd only) | 1.1531% | 3,789 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5008% | 484 |
| Assets per employee ($millions) | 8.0835% | 1,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4738% | 4,608 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 81.4189% | 184 |
| Net loans and leases to deposits | 99.4099% | 189 |
| Net loans and leases to core deposits | 105.1616% | 366 |
| Total domestic deposits to total assets | 81.9022% | 4,086 |
| Equity capital to assets | 17.6199% | 242 |
| Core capital (leverage) ratio | 17.5401% | 265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4522% | 462 |
| Memoranda: | ||
| Average total assets | $241,951,500 | 2,832 |
| Average earning assets | $230,345,000 | 2,801 |
| Average equity | $42,667,500 | 1,959 |
| Average total loans | $195,809,500 | 2,257 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7834% | 1,916 |
| Cost of funding earning assets | 0.4162% | 1,429 |
| Net interest margin | 3.3673% | 2,122 |
| Noninterest income to average assets | 0.0531% | 4,719 |
| Noninterest expense to average assets | 2.8443% | 1,260 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.3241% | 4,392 |
| Return on assets (ROA) | 0.3241% | 4,414 |
| Pretax return on assets | 0.4437% | 4,339 |
| Return on Equity (ROE) | 1.7643% | 4,527 |
| Retained earnings to average equity (ytd only) | 1.7643% | 4,053 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5044% | 444 |
| Assets per employee ($millions) | 7.5437% | 1,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4865% | 4,636 |
| 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 | 79.6586% | 282 |
| Net loans and leases to deposits | 97.2892% | 271 |
| Net loans and leases to core deposits | 103.5447% | 419 |
| Total domestic deposits to total assets | 81.8781% | 3,987 |
| Equity capital to assets | 17.6496% | 269 |
| Core capital (leverage) ratio | 17.5388% | 265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1253% | 437 |
| Memoranda: | ||
| Average total assets | $229,859,800 | 2,846 |
| Average earning assets | $220,830,200 | 2,808 |
| Average equity | $42,226,600 | 2,008 |
| Average total loans | $192,475,000 | 2,289 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8337% | 1,945 |
| Cost of funding earning assets | 0.4349% | 1,455 |
| Net interest margin | 3.3988% | 2,158 |
| Noninterest income to average assets | 0.0505% | 4,803 |
| Noninterest expense to average assets | 2.8931% | 1,137 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3149% | 4,498 |
| Return on assets (ROA) | 0.3149% | 4,522 |
| Pretax return on assets | 0.4306% | 4,453 |
| Return on Equity (ROE) | 1.6962% | 4,628 |
| Retained earnings to average equity (ytd only) | 1.6962% | 4,270 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0449% | 397 |
| Assets per employee ($millions) | 7.0856% | 1,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4900% | 4,715 |
| 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 | 79.2371% | 335 |
| Net loans and leases to deposits | 96.6674% | 326 |
| Net loans and leases to core deposits | 103.6336% | 468 |
| Total domestic deposits to total assets | 81.9688% | 3,937 |
| Equity capital to assets | 17.5987% | 292 |
| Core capital (leverage) ratio | 18.0092% | 259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6749% | 443 |
| Memoranda: | ||
| Average total assets | $226,975,000 | 2,892 |
| Average earning assets | $218,583,500 | 2,845 |
| Average equity | $42,131,750 | 2,037 |
| Average total loans | $192,285,000 | 2,325 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9243% | 1,757 |
| Cost of funding earning assets | 0.4559% | 1,479 |
| Net interest margin | 3.4684% | 1,949 |
| Noninterest income to average assets | 0.0513% | 4,840 |
| Noninterest expense to average assets | 2.9650% | 1,039 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3121% | 4,512 |
| Return on assets (ROA) | 0.3121% | 4,536 |
| Pretax return on assets | 0.4264% | 4,479 |
| Return on Equity (ROE) | 1.6507% | 4,629 |
| Retained earnings to average equity (ytd only) | 1.6507% | 4,202 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4271% | 421 |
| Assets per employee ($millions) | 6.4531% | 2,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4822% | 4,751 |
| 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 | 85.8982% | 86 |
| Net loans and leases to deposits | 106.2603% | 157 |
| Net loans and leases to core deposits | 115.4892% | 272 |
| Total domestic deposits to total assets | 80.8375% | 4,109 |
| Equity capital to assets | 18.6878% | 245 |
| Core capital (leverage) ratio | 18.8940% | 220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7581% | 498 |
| Memoranda: | ||
| Average total assets | $222,330,000 | 2,920 |
| Average earning assets | $214,104,000 | 2,876 |
| Average equity | $42,043,333 | 2,029 |
| Average total loans | $192,436,667 | 2,330 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9438% | 1,720 |
| Cost of funding earning assets | 0.4852% | 1,485 |
| Net interest margin | 3.4586% | 1,940 |
| Noninterest income to average assets | 0.0508% | 4,850 |
| Noninterest expense to average assets | 2.8889% | 1,177 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3627% | 4,428 |
| Return on assets (ROA) | 0.3627% | 4,458 |
| Pretax return on assets | 0.4969% | 4,355 |
| Return on Equity (ROE) | 1.9065% | 4,612 |
| Retained earnings to average equity (ytd only) | 1.9065% | 4,028 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3240% | 537 |
| Assets per employee ($millions) | 6.2459% | 2,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4823% | 4,785 |
| 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 | 88.7269% | 34 |
| Net loans and leases to deposits | 113.6985% | 108 |
| Net loans and leases to core deposits | 124.6219% | 200 |
| Total domestic deposits to total assets | 78.0369% | 4,431 |
| Equity capital to assets | 19.2404% | 214 |
| Core capital (leverage) ratio | 18.9971% | 222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3377% | 438 |
| Memoranda: | ||
| Average total assets | $220,566,000 | 2,921 |
| Average earning assets | $212,686,000 | 2,871 |
| Average equity | $41,961,000 | 2,022 |
| Average total loans | $191,181,000 | 2,345 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1410% | 2,309 |
| Cost of funding earning assets | 0.7289% | 1,568 |
| Net interest margin | 3.4121% | 2,740 |
| Noninterest income to average assets | 0.0562% | 4,851 |
| Noninterest expense to average assets | 2.8149% | 1,902 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.3850% | 4,276 |
| Return on assets (ROA) | 0.3850% | 4,357 |
| Pretax return on assets | 0.5321% | 4,214 |
| Return on Equity (ROE) | 1.9846% | 4,566 |
| Retained earnings to average equity (ytd only) | 1.9846% | 3,829 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1030% | 625 |
| Assets per employee ($millions) | 6.5448% | 1,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5014% | 4,791 |
| 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 | 83.8193% | 187 |
| Net loans and leases to deposits | 112.5297% | 133 |
| Net loans and leases to core deposits | 124.1004% | 266 |
| Total domestic deposits to total assets | 74.4863% | 4,612 |
| Equity capital to assets | 18.8119% | 236 |
| Core capital (leverage) ratio | 18.6539% | 234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6977% | 363 |
| Memoranda: | ||
| Average total assets | $213,507,000 | 2,839 |
| Average earning assets | $205,914,800 | 2,781 |
| Average equity | $41,419,000 | 1,976 |
| Average total loans | $188,740,800 | 2,339 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1813% | 2,443 |
| Cost of funding earning assets | 0.7781% | 1,597 |
| Net interest margin | 3.4031% | 2,916 |
| Noninterest income to average assets | 0.0543% | 4,879 |
| Noninterest expense to average assets | 2.8464% | 1,830 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.3547% | 4,349 |
| Return on assets (ROA) | 0.3547% | 4,405 |
| Pretax return on assets | 0.4898% | 4,299 |
| Return on Equity (ROE) | 1.8139% | 4,582 |
| Retained earnings to average equity (ytd only) | 1.8139% | 3,998 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3197% | 542 |
| Assets per employee ($millions) | 6.5406% | 1,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5070% | 4,807 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 82.9568% | 368 |
| Net loans and leases to deposits | 114.5980% | 166 |
| Net loans and leases to core deposits | 127.5150% | 279 |
| Total domestic deposits to total assets | 72.3894% | 4,675 |
| Equity capital to assets | 18.7070% | 257 |
| Core capital (leverage) ratio | 18.7223% | 244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.5948% | 346 |
| Memoranda: | ||
| Average total assets | $211,252,750 | 2,838 |
| Average earning assets | $203,729,500 | 2,775 |
| Average equity | $41,308,500 | 1,959 |
| Average total loans | $189,061,500 | 2,331 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3175% | 2,430 |
| Cost of funding earning assets | 0.8527% | 1,587 |
| Net interest margin | 3.4648% | 2,903 |
| Noninterest income to average assets | 0.0530% | 4,905 |
| Noninterest expense to average assets | 2.8900% | 1,854 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.3633% | 4,308 |
| Return on assets (ROA) | 0.3633% | 4,364 |
| Pretax return on assets | 0.5030% | 4,243 |
| Return on Equity (ROE) | 1.8296% | 4,556 |
| Retained earnings to average equity (ytd only) | 1.8296% | 3,814 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1747% | 576 |
| Assets per employee ($millions) | 6.0091% | 2,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4999% | 4,834 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 86.4960% | 116 |
| Net loans and leases to deposits | 120.6492% | 91 |
| Net loans and leases to core deposits | 135.3716% | 202 |
| Total domestic deposits to total assets | 71.6922% | 4,726 |
| Equity capital to assets | 19.1449% | 235 |
| Core capital (leverage) ratio | 19.7496% | 217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8596% | 372 |
| Memoranda: | ||
| Average total assets | $207,543,000 | 2,845 |
| Average earning assets | $200,070,667 | 2,781 |
| Average equity | $41,211,000 | 1,952 |
| Average total loans | $190,275,000 | 2,303 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3227% | 2,849 |
| Cost of funding earning assets | 0.9831% | 1,497 |
| Net interest margin | 3.3396% | 3,485 |
| Noninterest income to average assets | 0.0571% | 4,955 |
| Noninterest expense to average assets | 2.9003% | 2,121 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.2737% | 4,405 |
| Return on assets (ROA) | 0.2737% | 4,426 |
| Pretax return on assets | 0.3741% | 4,344 |
| Return on Equity (ROE) | 1.3525% | 4,577 |
| Retained earnings to average equity (ytd only) | 1.3525% | 3,649 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5749% | 558 |
| Assets per employee ($millions) | 5.6897% | 1,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4903% | 4,884 |
| 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 | 93.1342% | 9 |
| Net loans and leases to deposits | 126.3905% | 52 |
| Net loans and leases to core deposits | 143.1740% | 146 |
| Total domestic deposits to total assets | 73.6877% | 4,680 |
| Equity capital to assets | 20.1037% | 240 |
| Core capital (leverage) ratio | 20.3126% | 228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8785% | 394 |
| Memoranda: | ||
| Average total assets | $203,150,000 | 2,841 |
| Average earning assets | $195,711,500 | 2,775 |
| Average equity | $41,108,500 | 1,947 |
| Average total loans | $191,384,500 | 2,246 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3803% | 3,300 |
| Cost of funding earning assets | 0.9426% | 1,998 |
| Net interest margin | 3.4378% | 3,630 |
| Noninterest income to average assets | 0.0335% | 5,067 |
| Noninterest expense to average assets | 2.9017% | 2,288 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.3408% | 4,696 |
| Return on assets (ROA) | 0.3408% | 4,723 |
| Pretax return on assets | 0.4794% | 4,609 |
| Return on Equity (ROE) | 1.6733% | 4,838 |
| Retained earnings to average equity (ytd only) | 1.6733% | 4,135 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8200% | 549 |
| Assets per employee ($millions) | 5.5964% | 1,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4920% | 4,896 |
| 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 | 94.3675% | 9 |
| Net loans and leases to deposits | 127.0110% | 52 |
| Net loans and leases to core deposits | 146.4464% | 140 |
| Total domestic deposits to total assets | 74.2987% | 4,756 |
| Equity capital to assets | 20.3696% | 239 |
| Core capital (leverage) ratio | 20.3492% | 227 |
| Tier 1 risk-based capital ratio | 25.5731% | 709 |
| Total risk-based capital ratio | 26.1589% | 743 |
| Memoranda: | ||
| Average total assets | $199,812,800 | 2,842 |
| Average earning assets | $194,574,400 | 2,754 |
| Average equity | $40,697,800 | 1,904 |
| Average total loans | $189,537,600 | 2,240 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3730% | 3,440 |
| Cost of funding earning assets | 0.9142% | 2,161 |
| Net interest margin | 3.4588% | 3,704 |
| Noninterest income to average assets | 0.0234% | 5,164 |
| Noninterest expense to average assets | 2.9047% | 2,254 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.3490% | 4,789 |
| Return on assets (ROA) | 0.3490% | 4,812 |
| Pretax return on assets | 0.4961% | 4,702 |
| Return on Equity (ROE) | 1.7137% | 4,934 |
| Retained earnings to average equity (ytd only) | 1.7137% | 4,359 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4109% | 530 |
| Assets per employee ($millions) | 5.7204% | 1,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4841% | 4,989 |
| 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 | 93.8267% | 9 |
| Net loans and leases to deposits | 127.6722% | 57 |
| Net loans and leases to core deposits | 150.6988% | 124 |
| Total domestic deposits to total assets | 73.4903% | 4,835 |
| Equity capital to assets | 19.8508% | 267 |
| Core capital (leverage) ratio | 20.4852% | 232 |
| Tier 1 risk-based capital ratio | 25.3696% | 751 |
| Total risk-based capital ratio | 25.9529% | 772 |
| Memoranda: | ||
| Average total assets | $199,398,000 | 2,868 |
| Average earning assets | $194,704,000 | 2,770 |
| Average equity | $40,612,500 | 1,911 |
| Average total loans | $189,156,000 | 2,264 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3691% | 3,420 |
| Cost of funding earning assets | 0.8736% | 2,281 |
| Net interest margin | 3.4955% | 3,610 |
| Noninterest income to average assets | 0.0162% | 5,224 |
| Noninterest expense to average assets | 2.9744% | 2,074 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.3296% | 4,836 |
| Return on assets (ROA) | 0.3296% | 4,852 |
| Pretax return on assets | 0.4705% | 4,738 |
| Return on Equity (ROE) | 1.6040% | 4,993 |
| Retained earnings to average equity (ytd only) | 1.6040% | 4,246 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3409% | 529 |
| Assets per employee ($millions) | 5.8663% | 1,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4992% | 5,018 |
| 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 | 93.9445% | 7 |
| Net loans and leases to deposits | 124.0258% | 63 |
| Net loans and leases to core deposits | 143.6522% | 172 |
| Total domestic deposits to total assets | 75.7459% | 4,702 |
| Equity capital to assets | 20.3971% | 235 |
| Core capital (leverage) ratio | 20.5618% | 217 |
| Tier 1 risk-based capital ratio | 25.2021% | 739 |
| Total risk-based capital ratio | 25.7844% | 778 |
| Memoranda: | ||
| Average total assets | $197,218,670 | 2,895 |
| Average earning assets | $193,449,330 | 2,792 |
| Average equity | $40,523,330 | 1,910 |
| Average total loans | $187,487,000 | 2,281 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3653% | 3,354 |
| Cost of funding earning assets | 0.8028% | 2,523 |
| Net interest margin | 3.5625% | 3,389 |
| Noninterest income to average assets | 0.0163% | 5,286 |
| Noninterest expense to average assets | 3.0107% | 1,966 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3488% | 4,836 |
| Return on assets (ROA) | 0.3488% | 4,841 |
| Pretax return on assets | 0.4997% | 4,683 |
| Return on Equity (ROE) | 1.6912% | 5,002 |
| Retained earnings to average equity (ytd only) | 1.6912% | 4,143 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7641% | 598 |
| Assets per employee ($millions) | 5.8380% | 1,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4954% | 5,085 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 95.1293% | 3 |
| Net loans and leases to deposits | 120.0605% | 86 |
| Net loans and leases to core deposits | 140.3176% | 184 |
| Total domestic deposits to total assets | 79.2344% | 4,311 |
| Equity capital to assets | 20.4185% | 227 |
| Core capital (leverage) ratio | 20.8399% | 207 |
| Tier 1 risk-based capital ratio | 25.0552% | 759 |
| Total risk-based capital ratio | 25.6363% | 791 |
| Memoranda: | ||
| Average total assets | $196,100,500 | 2,942 |
| Average earning assets | $192,335,000 | 2,828 |
| Average equity | $40,443,500 | 1,916 |
| Average total loans | $187,072,000 | 2,304 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3223% | 3,033 |
| Cost of funding earning assets | 0.6510% | 2,386 |
| Net interest margin | 3.6714% | 3,155 |
| Noninterest income to average assets | 0.0189% | 5,324 |
| Noninterest expense to average assets | 2.9697% | 2,138 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.4377% | 4,791 |
| Return on assets (ROA) | 0.4377% | 4,785 |
| Pretax return on assets | 0.6502% | 4,533 |
| Return on Equity (ROE) | 2.1470% | 5,026 |
| Retained earnings to average equity (ytd only) | 2.1470% | 4,297 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0375% | 803 |
| Assets per employee ($millions) | 5.2354% | 2,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5098% | 5,109 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 94.6987% | 4 |
| Net loans and leases to deposits | 122.1785% | 83 |
| Net loans and leases to core deposits | 140.7234% | 194 |
| Total domestic deposits to total assets | 77.5085% | 4,559 |
| Equity capital to assets | 20.8343% | 197 |
| Core capital (leverage) ratio | 20.9639% | 198 |
| Tier 1 risk-based capital ratio | 26.1664% | 655 |
| Total risk-based capital ratio | 26.7758% | 687 |
| Memoranda: | ||
| Average total assets | $195,775,600 | 2,908 |
| Average earning assets | $192,026,600 | 2,803 |
| Average equity | $39,916,200 | 1,868 |
| Average total loans | $185,103,000 | 2,295 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2888% | 3,003 |
| Cost of funding earning assets | 0.6273% | 2,289 |
| Net interest margin | 3.6615% | 3,160 |
| Noninterest income to average assets | 0.0170% | 5,399 |
| Noninterest expense to average assets | 2.9690% | 2,117 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4238% | 4,907 |
| Return on assets (ROA) | 0.4238% | 4,916 |
| Pretax return on assets | 0.6398% | 4,659 |
| Return on Equity (ROE) | 2.0901% | 5,122 |
| Retained earnings to average equity (ytd only) | 2.0901% | 4,552 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2699% | 760 |
| Assets per employee ($millions) | 5.4605% | 1,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5046% | 5,184 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 94.2954% | 9 |
| Net loans and leases to deposits | 121.7594% | 89 |
| Net loans and leases to core deposits | 141.1899% | 201 |
| Total domestic deposits to total assets | 77.4441% | 4,575 |
| Equity capital to assets | 20.4117% | 220 |
| Core capital (leverage) ratio | 20.6141% | 209 |
| Tier 1 risk-based capital ratio | 25.9407% | 685 |
| Total risk-based capital ratio | 26.5484% | 711 |
| Memoranda: | ||
| Average total assets | $196,292,250 | 2,930 |
| Average earning assets | $192,558,750 | 2,814 |
| Average equity | $39,805,750 | 1,867 |
| Average total loans | $185,283,750 | 2,303 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2849% | 2,815 |
| Cost of funding earning assets | 0.5983% | 2,234 |
| Net interest margin | 3.6866% | 2,984 |
| Noninterest income to average assets | 0.0173% | 5,461 |
| Noninterest expense to average assets | 2.9695% | 2,138 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4281% | 4,907 |
| Return on assets (ROA) | 0.4281% | 4,913 |
| Pretax return on assets | 0.6657% | 4,598 |
| Return on Equity (ROE) | 2.1159% | 5,163 |
| Retained earnings to average equity (ytd only) | 2.1159% | 4,423 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6882% | 857 |
| Assets per employee ($millions) | 5.8251% | 1,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5054% | 5,252 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 93.4330% | 13 |
| Net loans and leases to deposits | 120.5849% | 98 |
| Net loans and leases to core deposits | 138.7765% | 208 |
| Total domestic deposits to total assets | 77.4832% | 4,665 |
| Equity capital to assets | 20.1568% | 220 |
| Core capital (leverage) ratio | 20.3355% | 212 |
| Tier 1 risk-based capital ratio | 25.9175% | 680 |
| Total risk-based capital ratio | 26.5278% | 698 |
| Memoranda: | ||
| Average total assets | $196,197,000 | 2,940 |
| Average earning assets | $192,535,000 | 2,828 |
| Average equity | $39,699,330 | 1,873 |
| Average total loans | $184,943,670 | 2,308 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2301% | 2,784 |
| Cost of funding earning assets | 0.5593% | 2,326 |
| Net interest margin | 3.6708% | 2,916 |
| Noninterest income to average assets | 0.0184% | 5,535 |
| Noninterest expense to average assets | 3.0645% | 1,912 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3585% | 4,999 |
| Return on assets (ROA) | 0.3585% | 5,006 |
| Pretax return on assets | 0.5572% | 4,776 |
| Return on Equity (ROE) | 1.7682% | 5,212 |
| Retained earnings to average equity (ytd only) | 1.7682% | 4,425 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6154% | 754 |
| Assets per employee ($millions) | 5.6232% | 1,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5050% | 5,327 |
| 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 | 94.0985% | 5 |
| Net loans and leases to deposits | 124.7377% | 70 |
| Net loans and leases to core deposits | 142.7389% | 189 |
| Total domestic deposits to total assets | 75.4371% | 5,024 |
| Equity capital to assets | 20.1592% | 209 |
| Core capital (leverage) ratio | 20.6970% | 190 |
| Tier 1 risk-based capital ratio | 26.0089% | 686 |
| Total risk-based capital ratio | 26.6251% | 716 |
| Memoranda: | ||
| Average total assets | $195,269,500 | 2,976 |
| Average earning assets | $191,672,500 | 2,865 |
| Average equity | $39,588,500 | 1,887 |
| Average total loans | $184,422,500 | 2,329 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2999% | 2,331 |
| Cost of funding earning assets | 0.5708% | 1,825 |
| Net interest margin | 3.7291% | 2,674 |
| Noninterest income to average assets | 0.0147% | 5,591 |
| Noninterest expense to average assets | 3.0484% | 2,016 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3526% | 4,823 |
| Return on assets (ROA) | 0.3526% | 4,846 |
| Pretax return on assets | 0.6245% | 4,685 |
| Return on Equity (ROE) | 1.7159% | 5,109 |
| Retained earnings to average equity (ytd only) | 1.7159% | 4,280 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9976% | 853 |
| Assets per employee ($millions) | 5.3813% | 2,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5145% | 5,368 |
| 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 | 93.8268% | 11 |
| Net loans and leases to deposits | 125.7668% | 65 |
| Net loans and leases to core deposits | 143.2240% | 184 |
| Total domestic deposits to total assets | 74.6038% | 5,124 |
| Equity capital to assets | 20.3901% | 194 |
| Core capital (leverage) ratio | 20.7822% | 177 |
| Tier 1 risk-based capital ratio | 26.6538% | 615 |
| Total risk-based capital ratio | 27.2881% | 651 |
| Memoranda: | ||
| Average total assets | $190,561,600 | 3,011 |
| Average earning assets | $186,932,800 | 2,898 |
| Average equity | $39,164,200 | 1,893 |
| Average total loans | $178,597,800 | 2,345 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3145% | 2,226 |
| Cost of funding earning assets | 0.5731% | 1,721 |
| Net interest margin | 3.7414% | 2,611 |
| Noninterest income to average assets | 0.0112% | 5,665 |
| Noninterest expense to average assets | 3.0661% | 1,901 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3597% | 5,084 |
| Return on assets (ROA) | 0.3597% | 5,104 |
| Pretax return on assets | 0.6148% | 4,814 |
| Return on Equity (ROE) | 1.7468% | 5,339 |
| Retained earnings to average equity (ytd only) | 1.7468% | 4,726 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2983% | 814 |
| Assets per employee ($millions) | 5.1420% | 2,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5227% | 5,437 |
| 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 | 94.0380% | 7 |
| Net loans and leases to deposits | 121.5212% | 82 |
| Net loans and leases to core deposits | 138.2948% | 223 |
| Total domestic deposits to total assets | 77.3840% | 4,818 |
| Equity capital to assets | 20.6780% | 201 |
| Core capital (leverage) ratio | 20.5097% | 194 |
| Tier 1 risk-based capital ratio | 27.3190% | 603 |
| Total risk-based capital ratio | 27.9718% | 620 |
| Memoranda: | ||
| Average total assets | $189,770,500 | 3,048 |
| Average earning assets | $186,126,750 | 2,929 |
| Average equity | $39,080,000 | 1,910 |
| Average total loans | $177,570,500 | 2,364 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3016% | 2,117 |
| Cost of funding earning assets | 0.5743% | 1,615 |
| Net interest margin | 3.7274% | 2,556 |
| Noninterest income to average assets | 0.0105% | 5,714 |
| Noninterest expense to average assets | 3.1096% | 1,818 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3249% | 5,161 |
| Return on assets (ROA) | 0.3249% | 5,182 |
| Pretax return on assets | 0.5569% | 4,889 |
| Return on Equity (ROE) | 1.5798% | 5,400 |
| Retained earnings to average equity (ytd only) | 1.5798% | 4,621 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8101% | 782 |
| Assets per employee ($millions) | 5.3406% | 2,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5227% | 5,489 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 93.0490% | 19 |
| Net loans and leases to deposits | 117.4351% | 128 |
| Net loans and leases to core deposits | 133.4238% | 261 |
| Total domestic deposits to total assets | 79.2344% | 4,581 |
| Equity capital to assets | 20.3563% | 212 |
| Core capital (leverage) ratio | 20.3038% | 196 |
| Tier 1 risk-based capital ratio | 25.0002% | 747 |
| Total risk-based capital ratio | 25.6006% | 794 |
| Memoranda: | ||
| Average total assets | $189,609,000 | 3,062 |
| Average earning assets | $185,975,670 | 2,949 |
| Average equity | $38,993,000 | 1,914 |
| Average total loans | $176,810,000 | 2,370 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3463% | 1,824 |
| Cost of funding earning assets | 0.5739% | 1,549 |
| Net interest margin | 3.7724% | 2,211 |
| Noninterest income to average assets | 0.0106% | 5,791 |
| Noninterest expense to average assets | 3.0422% | 2,041 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3909% | 4,965 |
| Return on assets (ROA) | 0.3909% | 4,994 |
| Pretax return on assets | 0.6692% | 4,532 |
| Return on Equity (ROE) | 1.8910% | 5,352 |
| Retained earnings to average equity (ytd only) | 1.8910% | 4,369 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9691% | 1,159 |
| Assets per employee ($millions) | 5.1709% | 2,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5323% | 5,568 |
| 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 | 91.8028% | 23 |
| Net loans and leases to deposits | 115.8118% | 124 |
| Net loans and leases to core deposits | 132.1896% | 230 |
| Total domestic deposits to total assets | 79.2690% | 4,775 |
| Equity capital to assets | 20.3913% | 203 |
| Core capital (leverage) ratio | 20.6230% | 184 |
| Tier 1 risk-based capital ratio | 25.6369% | 715 |
| Total risk-based capital ratio | 26.2546% | 753 |
| Memoranda: | ||
| Average total assets | $188,283,500 | 3,101 |
| Average earning assets | $184,709,000 | 2,995 |
| Average equity | $38,921,000 | 1,924 |
| Average total loans | $175,297,000 | 2,403 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3269% | 2,055 |
| Cost of funding earning assets | 0.6216% | 1,196 |
| Net interest margin | 3.7053% | 2,669 |
| Noninterest income to average assets | 0.0075% | 5,841 |
| Noninterest expense to average assets | 3.0165% | 2,300 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3657% | 5,041 |
| Return on assets (ROA) | 0.3657% | 5,124 |
| Pretax return on assets | 0.6259% | 4,718 |
| Return on Equity (ROE) | 1.7654% | 5,444 |
| Retained earnings to average equity (ytd only) | 1.7654% | 4,521 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8157% | 1,112 |
| Assets per employee ($millions) | 5.0066% | 2,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5402% | 5,614 |
| 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 | 93.4303% | 14 |
| Net loans and leases to deposits | 118.7291% | 103 |
| Net loans and leases to core deposits | 134.7621% | 226 |
| Total domestic deposits to total assets | 78.6920% | 4,867 |
| Equity capital to assets | 20.9609% | 176 |
| Core capital (leverage) ratio | 20.8741% | 170 |
| Tier 1 risk-based capital ratio | 26.1912% | 688 |
| Total risk-based capital ratio | 26.8253% | 710 |
| Memoranda: | ||
| Average total assets | $185,646,400 | 3,102 |
| Average earning assets | $182,116,200 | 2,992 |
| Average equity | $38,461,800 | 1,912 |
| Average total loans | $170,863,400 | 2,406 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2709% | 2,257 |
| Cost of funding earning assets | 0.6271% | 1,156 |
| Net interest margin | 3.6438% | 2,916 |
| Noninterest income to average assets | 0.0072% | 5,909 |
| Noninterest expense to average assets | 3.0456% | 2,180 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3122% | 5,259 |
| Return on assets (ROA) | 0.3122% | 5,343 |
| Pretax return on assets | 0.5362% | 5,047 |
| Return on Equity (ROE) | 1.5116% | 5,557 |
| Retained earnings to average equity (ytd only) | 1.5116% | 4,908 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0301% | 899 |
| Assets per employee ($millions) | 5.0281% | 2,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5487% | 5,669 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 91.5872% | 34 |
| Net loans and leases to deposits | 116.0935% | 156 |
| Net loans and leases to core deposits | 131.4106% | 279 |
| Total domestic deposits to total assets | 78.8909% | 4,746 |
| Equity capital to assets | 20.7404% | 209 |
| Core capital (leverage) ratio | 20.6652% | 180 |
| Tier 1 risk-based capital ratio | 27.1852% | 628 |
| Total risk-based capital ratio | 27.8475% | 656 |
| Memoranda: | ||
| Average total assets | $185,746,750 | 3,109 |
| Average earning assets | $182,221,250 | 3,008 |
| Average equity | $38,370,000 | 1,918 |
| Average total loans | $170,075,500 | 2,416 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2767% | 2,231 |
| Cost of funding earning assets | 0.6293% | 1,145 |
| Net interest margin | 3.6474% | 2,904 |
| Noninterest income to average assets | 0.0065% | 5,990 |
| Noninterest expense to average assets | 3.0498% | 2,209 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3113% | 5,291 |
| Return on assets (ROA) | 0.3113% | 5,380 |
| Pretax return on assets | 0.5343% | 5,062 |
| Return on Equity (ROE) | 1.5092% | 5,607 |
| Retained earnings to average equity (ytd only) | 1.5092% | 4,776 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0917% | 960 |
| Assets per employee ($millions) | 5.0647% | 2,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5525% | 5,747 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 90.2826% | 62 |
| Net loans and leases to deposits | 114.1029% | 175 |
| Net loans and leases to core deposits | 128.9510% | 316 |
| Total domestic deposits to total assets | 79.1238% | 4,754 |
| Equity capital to assets | 20.5123% | 206 |
| Core capital (leverage) ratio | 20.5385% | 177 |
| Tier 1 risk-based capital ratio | 26.3147% | 706 |
| Total risk-based capital ratio | 26.9583% | 726 |
| Memoranda: | ||
| Average total assets | $185,649,670 | 3,126 |
| Average earning assets | $182,104,000 | 3,018 |
| Average equity | $38,298,330 | 1,921 |
| Average total loans | $169,658,330 | 2,422 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3100% | 2,096 |
| Cost of funding earning assets | 0.6290% | 1,158 |
| Net interest margin | 3.6811% | 2,752 |
| Noninterest income to average assets | 0.0260% | 6,025 |
| Noninterest expense to average assets | 3.0567% | 2,220 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3377% | 5,191 |
| Return on assets (ROA) | 0.3377% | 5,278 |
| Pretax return on assets | 0.5802% | 4,878 |
| Return on Equity (ROE) | 1.6323% | 5,592 |
| Retained earnings to average equity (ytd only) | 1.6323% | 4,620 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0476% | 1,151 |
| Assets per employee ($millions) | 4.8829% | 2,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5548% | 5,814 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 90.8128% | 48 |
| Net loans and leases to deposits | 114.9522% | 135 |
| Net loans and leases to core deposits | 129.4718% | 279 |
| Total domestic deposits to total assets | 79.0005% | 4,967 |
| Equity capital to assets | 20.6443% | 191 |
| Core capital (leverage) ratio | 20.6028% | 176 |
| Tier 1 risk-based capital ratio | 26.4605% | 703 |
| Total risk-based capital ratio | 27.1098% | 733 |
| Memoranda: | ||
| Average total assets | $184,777,000 | 3,145 |
| Average earning assets | $181,251,500 | 3,035 |
| Average equity | $38,228,000 | 1,921 |
| Average total loans | $169,425,000 | 2,409 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4185% | 1,843 |
| Cost of funding earning assets | 0.6175% | 1,256 |
| Net interest margin | 3.8010% | 2,372 |
| Noninterest income to average assets | 0.0261% | 6,058 |
| Noninterest expense to average assets | 3.1108% | 2,204 |
| Loan and lease loss provision to assets | 0.0333% | 3,699 |
| Net operating income to assets | 0.3548% | 5,198 |
| Return on assets (ROA) | 0.3548% | 5,284 |
| Pretax return on assets | 0.6081% | 4,812 |
| Return on Equity (ROE) | 1.6942% | 5,648 |
| Retained earnings to average equity (ytd only) | 1.6942% | 4,762 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9074% | 1,281 |
| Assets per employee ($millions) | 4.8422% | 2,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5549% | 5,866 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 91.5561% | 28 |
| Net loans and leases to deposits | 115.9924% | 143 |
| Net loans and leases to core deposits | 129.2157% | 279 |
| Total domestic deposits to total assets | 78.9328% | 4,992 |
| Equity capital to assets | 20.7335% | 189 |
| Core capital (leverage) ratio | 20.7603% | 167 |
| Tier 1 risk-based capital ratio | 26.3152% | 725 |
| Total risk-based capital ratio | 26.9636% | 742 |
| Memoranda: | ||
| Average total assets | $180,406,600 | 3,167 |
| Average earning assets | $176,847,600 | 3,031 |
| Average equity | $37,776,800 | 1,896 |
| Average total loans | $160,776,000 | 2,456 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3993% | 1,918 |
| Cost of funding earning assets | 0.6131% | 1,323 |
| Net interest margin | 3.7862% | 2,437 |
| Noninterest income to average assets | 0.0260% | 6,147 |
| Noninterest expense to average assets | 3.1441% | 2,101 |
| Loan and lease loss provision to assets | 0.0446% | 3,321 |
| Net operating income to assets | 0.3194% | 5,400 |
| Return on assets (ROA) | 0.3194% | 5,480 |
| Pretax return on assets | 0.5482% | 5,103 |
| Return on Equity (ROE) | 1.5214% | 5,775 |
| Retained earnings to average equity (ytd only) | 1.5214% | 5,108 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1383% | 1,156 |
| Assets per employee ($millions) | 5.0582% | 2,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5725% | 5,935 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 87.2293% | 172 |
| Net loans and leases to deposits | 109.9776% | 257 |
| Net loans and leases to core deposits | 122.3124% | 415 |
| Total domestic deposits to total assets | 79.3155% | 4,908 |
| Equity capital to assets | 20.2720% | 220 |
| Core capital (leverage) ratio | 20.6990% | 177 |
| Tier 1 risk-based capital ratio | 27.5805% | 646 |
| Total risk-based capital ratio | 28.2638% | 662 |
| Memoranda: | ||
| Average total assets | $179,507,750 | 3,196 |
| Average earning assets | $175,932,750 | 3,068 |
| Average equity | $37,683,500 | 1,915 |
| Average total loans | $158,618,750 | 2,496 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4137% | 1,812 |
| Cost of funding earning assets | 0.6136% | 1,321 |
| Net interest margin | 3.8002% | 2,305 |
| Noninterest income to average assets | 0.0260% | 6,219 |
| Noninterest expense to average assets | 3.2878% | 1,741 |
| Loan and lease loss provision to assets | 0.0678% | 2,764 |
| Net operating income to assets | 0.2272% | 5,631 |
| Return on assets (ROA) | 0.2272% | 5,704 |
| Pretax return on assets | 0.3944% | 5,477 |
| Return on Equity (ROE) | 1.0692% | 5,893 |
| Retained earnings to average equity (ytd only) | 1.0692% | 5,145 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6733% | 929 |
| Assets per employee ($millions) | 5.0246% | 2,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5697% | 6,021 |
| 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 | 90.7051% | 50 |
| Net loans and leases to deposits | 115.1553% | 158 |
| Net loans and leases to core deposits | 128.4695% | 299 |
| Total domestic deposits to total assets | 78.7676% | 5,146 |
| Equity capital to assets | 20.8482% | 188 |
| Core capital (leverage) ratio | 21.1562% | 162 |
| Tier 1 risk-based capital ratio | 24.6334% | 895 |
| Total risk-based capital ratio | 25.2474% | 942 |
| Memoranda: | ||
| Average total assets | $176,958,670 | 3,257 |
| Average earning assets | $173,413,670 | 3,116 |
| Average equity | $37,598,000 | 1,925 |
| Average total loans | $156,760,330 | 2,529 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3435% | 1,961 |
| Cost of funding earning assets | 0.6138% | 1,342 |
| Net interest margin | 3.7297% | 2,514 |
| Noninterest income to average assets | 0.0251% | 6,281 |
| Noninterest expense to average assets | 3.4172% | 1,460 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1463% | 5,798 |
| Return on assets (ROA) | 0.1463% | 5,869 |
| Pretax return on assets | 0.2606% | 5,733 |
| Return on Equity (ROE) | 0.6819% | 5,964 |
| Retained earnings to average equity (ytd only) | 0.6819% | 5,175 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9149% | 653 |
| Assets per employee ($millions) | 4.6415% | 2,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5714% | 6,090 |
| 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 | 86.8215% | 152 |
| Net loans and leases to deposits | 110.8678% | 209 |
| Net loans and leases to core deposits | 121.4212% | 377 |
| Total domestic deposits to total assets | 78.3108% | 5,392 |
| Equity capital to assets | 21.3031% | 175 |
| Core capital (leverage) ratio | 21.4417% | 153 |
| Tier 1 risk-based capital ratio | 26.5310% | 752 |
| Total risk-based capital ratio | 27.1524% | 779 |
| Memoranda: | ||
| Average total assets | $174,996,000 | 3,301 |
| Average earning assets | $171,382,500 | 3,163 |
| Average equity | $37,541,500 | 1,940 |
| Average total loans | $152,635,000 | 2,587 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3744% | 2,303 |
| Cost of funding earning assets | 0.6623% | 1,321 |
| Net interest margin | 3.7121% | 2,963 |
| Noninterest income to average assets | 0.0248% | 6,350 |
| Noninterest expense to average assets | 3.2303% | 2,128 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.2579% | 5,636 |
| Return on assets (ROA) | 0.2579% | 5,698 |
| Pretax return on assets | 0.4341% | 5,416 |
| Return on Equity (ROE) | 1.2011% | 5,946 |
| Retained earnings to average equity (ytd only) | 1.2011% | 5,243 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1540% | 982 |
| Assets per employee ($millions) | 4.8226% | 2,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5818% | 6,165 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 86.6151% | 171 |
| Net loans and leases to deposits | 111.0220% | 214 |
| Net loans and leases to core deposits | 121.0572% | 388 |
| Total domestic deposits to total assets | 78.0162% | 5,435 |
| Equity capital to assets | 21.6048% | 168 |
| Core capital (leverage) ratio | 21.6048% | 151 |
| Tier 1 risk-based capital ratio | 27.3103% | 655 |
| Total risk-based capital ratio | 27.9510% | 688 |
| Memoranda: | ||
| Average total assets | $173,696,800 | 3,284 |
| Average earning assets | $170,309,800 | 3,150 |
| Average equity | $37,299,400 | 1,884 |
| Average total loans | $145,949,200 | 2,627 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3775% | 2,306 |
| Cost of funding earning assets | 0.6706% | 1,313 |
| Net interest margin | 3.7068% | 2,999 |
| Noninterest income to average assets | 0.0246% | 6,432 |
| Noninterest expense to average assets | 3.2036% | 2,166 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2732% | 5,669 |
| Return on assets (ROA) | 0.2732% | 5,737 |
| Pretax return on assets | 0.4567% | 5,450 |
| Return on Equity (ROE) | 1.2743% | 5,993 |
| Retained earnings to average equity (ytd only) | 1.2743% | 5,388 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5236% | 1,044 |
| Assets per employee ($millions) | 4.6766% | 2,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6008% | 6,222 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 84.1413% | 330 |
| Net loans and leases to deposits | 107.8451% | 272 |
| Net loans and leases to core deposits | 116.8099% | 473 |
| Total domestic deposits to total assets | 78.0205% | 5,528 |
| Equity capital to assets | 21.6241% | 167 |
| Core capital (leverage) ratio | 21.6241% | 152 |
| Tier 1 risk-based capital ratio | 28.2781% | 628 |
| Total risk-based capital ratio | 28.9432% | 646 |
| Memoranda: | ||
| Average total assets | $173,717,500 | 3,314 |
| Average earning assets | $170,384,000 | 3,181 |
| Average equity | $37,247,000 | 1,893 |
| Average total loans | $144,622,500 | 2,657 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4193% | 2,115 |
| Cost of funding earning assets | 0.6717% | 1,364 |
| Net interest margin | 3.7476% | 2,771 |
| Noninterest income to average assets | 0.0241% | 6,503 |
| Noninterest expense to average assets | 3.2527% | 2,042 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2713% | 5,663 |
| Return on assets (ROA) | 0.2713% | 5,736 |
| Pretax return on assets | 0.4473% | 5,431 |
| Return on Equity (ROE) | 1.2691% | 5,999 |
| Retained earnings to average equity (ytd only) | 1.2691% | 5,241 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9117% | 1,092 |
| Assets per employee ($millions) | 4.6970% | 2,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6117% | 6,299 |
| 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 | 82.2675% | 447 |
| Net loans and leases to deposits | 105.3046% | 323 |
| Net loans and leases to core deposits | 113.7878% | 545 |
| Total domestic deposits to total assets | 78.1233% | 5,613 |
| Equity capital to assets | 21.4612% | 159 |
| Core capital (leverage) ratio | 21.4612% | 145 |
| Tier 1 risk-based capital ratio | 27.9762% | 646 |
| Total risk-based capital ratio | 28.6363% | 664 |
| Memoranda: | ||
| Average total assets | $173,945,330 | 3,320 |
| Average earning assets | $170,614,330 | 3,195 |
| Average equity | $37,190,330 | 1,891 |
| Average total loans | $144,005,670 | 2,670 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5160% | 1,758 |
| Cost of funding earning assets | 0.6703% | 1,440 |
| Net interest margin | 3.8458% | 2,287 |
| Noninterest income to average assets | 0.0230% | 6,559 |
| Noninterest expense to average assets | 3.1950% | 2,255 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3494% | 5,315 |
| Return on assets (ROA) | 0.3494% | 5,374 |
| Pretax return on assets | 0.5999% | 4,829 |
| Return on Equity (ROE) | 1.6372% | 5,889 |
| Retained earnings to average equity (ytd only) | 1.6372% | 4,958 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1914% | 1,648 |
| Assets per employee ($millions) | 4.7240% | 2,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6132% | 6,393 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 81.5976% | 390 |
| Net loans and leases to deposits | 104.1188% | 286 |
| Net loans and leases to core deposits | 112.6245% | 503 |
| Total domestic deposits to total assets | 78.3697% | 5,773 |
| Equity capital to assets | 21.2905% | 162 |
| Core capital (leverage) ratio | 21.2905% | 154 |
| Tier 1 risk-based capital ratio | 28.1616% | 634 |
| Total risk-based capital ratio | 28.8275% | 659 |
| Memoranda: | ||
| Average total assets | $174,024,000 | 3,347 |
| Average earning assets | $170,680,500 | 3,212 |
| Average equity | $37,137,000 | 1,890 |
| Average total loans | $144,083,000 | 2,677 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6467% | 1,728 |
| Cost of funding earning assets | 0.7184% | 1,688 |
| Net interest margin | 3.9283% | 2,190 |
| Noninterest income to average assets | 0.0233% | 6,608 |
| Noninterest expense to average assets | 3.0788% | 2,807 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4705% | 4,867 |
| Return on assets (ROA) | 0.4705% | 5,001 |
| Pretax return on assets | 0.7956% | 4,162 |
| Return on Equity (ROE) | 2.2065% | 5,765 |
| Retained earnings to average equity (ytd only) | 2.2065% | 4,678 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4656% | 2,243 |
| Assets per employee ($millions) | 4.8128% | 2,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6083% | 6,462 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 82.9869% | 329 |
| Net loans and leases to deposits | 106.0159% | 260 |
| Net loans and leases to core deposits | 114.7729% | 447 |
| Total domestic deposits to total assets | 78.2779% | 5,783 |
| Equity capital to assets | 21.3903% | 158 |
| Core capital (leverage) ratio | 21.3903% | 148 |
| Tier 1 risk-based capital ratio | 27.9947% | 611 |
| Total risk-based capital ratio | 28.6594% | 634 |
| Memoranda: | ||
| Average total assets | $171,950,400 | 3,382 |
| Average earning assets | $168,569,600 | 3,234 |
| Average equity | $36,664,600 | 1,886 |
| Average total loans | $144,463,000 | 2,631 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6759% | 1,661 |
| Cost of funding earning assets | 0.7299% | 1,740 |
| Net interest margin | 3.9460% | 2,129 |
| Noninterest income to average assets | 0.0233% | 6,691 |
| Noninterest expense to average assets | 3.0873% | 2,701 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4770% | 4,901 |
| Return on assets (ROA) | 0.4770% | 5,056 |
| Pretax return on assets | 0.8041% | 4,276 |
| Return on Equity (ROE) | 2.2389% | 5,863 |
| Retained earnings to average equity (ytd only) | 2.2389% | 4,974 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3372% | 2,215 |
| Assets per employee ($millions) | 5.1038% | 2,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5983% | 6,562 |
| 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 | 84.2492% | 231 |
| Net loans and leases to deposits | 107.4189% | 206 |
| Net loans and leases to core deposits | 115.4112% | 414 |
| Total domestic deposits to total assets | 78.4306% | 5,839 |
| Equity capital to assets | 21.2450% | 166 |
| Core capital (leverage) ratio | 21.2450% | 152 |
| Tier 1 risk-based capital ratio | 27.4970% | 667 |
| Total risk-based capital ratio | 28.1533% | 701 |
| Memoranda: | ||
| Average total assets | $171,622,750 | 3,416 |
| Average earning assets | $168,234,000 | 3,267 |
| Average equity | $36,565,500 | 1,908 |
| Average total loans | $144,412,750 | 2,655 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7323% | 1,480 |
| Cost of funding earning assets | 0.7376% | 1,789 |
| Net interest margin | 3.9947% | 1,875 |
| Noninterest income to average assets | 0.0234% | 6,744 |
| Noninterest expense to average assets | 3.1675% | 2,451 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4609% | 4,970 |
| Return on assets (ROA) | 0.4609% | 5,139 |
| Pretax return on assets | 0.7708% | 4,426 |
| Return on Equity (ROE) | 2.1610% | 5,902 |
| Retained earnings to average equity (ytd only) | 2.1610% | 4,901 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4277% | 2,097 |
| Assets per employee ($millions) | 4.7966% | 2,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6077% | 6,608 |
| 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 | 83.3503% | 276 |
| Net loans and leases to deposits | 106.3338% | 217 |
| Net loans and leases to core deposits | 113.7503% | 439 |
| Total domestic deposits to total assets | 78.3855% | 5,897 |
| Equity capital to assets | 21.2224% | 156 |
| Core capital (leverage) ratio | 21.2224% | 139 |
| Tier 1 risk-based capital ratio | 28.8781% | 579 |
| Total risk-based capital ratio | 29.5715% | 602 |
| Memoranda: | ||
| Average total assets | $170,987,670 | 3,446 |
| Average earning assets | $167,571,670 | 3,293 |
| Average equity | $36,465,330 | 1,914 |
| Average total loans | $143,525,000 | 2,665 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7418% | 1,429 |
| Cost of funding earning assets | 0.7271% | 2,013 |
| Net interest margin | 4.0147% | 1,729 |
| Noninterest income to average assets | 0.0235% | 6,802 |
| Noninterest expense to average assets | 2.9904% | 3,022 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5783% | 4,321 |
| Return on assets (ROA) | 0.5783% | 4,472 |
| Pretax return on assets | 0.9662% | 3,505 |
| Return on Equity (ROE) | 2.7052% | 5,706 |
| Retained earnings to average equity (ytd only) | 2.7052% | 4,663 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5793% | 2,998 |
| Assets per employee ($millions) | 5.0274% | 2,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6084% | 6,697 |
| 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 | 84.1025% | 186 |
| Net loans and leases to deposits | 107.4312% | 169 |
| Net loans and leases to core deposits | 114.9990% | 370 |
| Total domestic deposits to total assets | 78.2849% | 6,075 |
| Equity capital to assets | 21.3524% | 166 |
| Core capital (leverage) ratio | 21.3524% | 150 |
| Tier 1 risk-based capital ratio | 29.1331% | 574 |
| Total risk-based capital ratio | 29.8356% | 598 |
| Memoranda: | ||
| Average total assets | $170,143,500 | 3,488 |
| Average earning assets | $166,687,500 | 3,330 |
| Average equity | $36,375,000 | 1,942 |
| Average total loans | $142,884,500 | 2,681 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0132% | 1,526 |
| Cost of funding earning assets | 0.8079% | 2,607 |
| Net interest margin | 4.2053% | 1,643 |
| Noninterest income to average assets | 0.0249% | 6,766 |
| Noninterest expense to average assets | 3.2417% | 2,485 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.5436% | 4,508 |
| Return on assets (ROA) | 0.5436% | 4,759 |
| Pretax return on assets | 0.9013% | 3,914 |
| Return on Equity (ROE) | 2.5669% | 5,729 |
| Retained earnings to average equity (ytd only) | 2.5669% | 4,420 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2447% | 2,406 |
| Assets per employee ($millions) | 4.8387% | 2,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6235% | 6,728 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 82.8148% | 281 |
| Net loans and leases to deposits | 105.8506% | 228 |
| Net loans and leases to core deposits | 111.9670% | 473 |
| Total domestic deposits to total assets | 78.2374% | 6,040 |
| Equity capital to assets | 21.4059% | 172 |
| Core capital (leverage) ratio | 21.4059% | 150 |
| Tier 1 risk-based capital ratio | 30.4087% | 500 |
| Total risk-based capital ratio | 31.1468% | 512 |
| Memoranda: | ||
| Average total assets | $168,860,600 | 3,477 |
| Average earning assets | $165,362,800 | 3,298 |
| Average equity | $35,763,000 | 1,935 |
| Average total loans | $142,453,400 | 2,686 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0919% | 1,448 |
| Cost of funding earning assets | 0.8281% | 2,722 |
| Net interest margin | 4.2638% | 1,567 |
| Noninterest income to average assets | 0.0261% | 6,878 |
| Noninterest expense to average assets | 3.3369% | 2,168 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5215% | 4,751 |
| Return on assets (ROA) | 0.5215% | 5,017 |
| Pretax return on assets | 0.8637% | 4,247 |
| Return on Equity (ROE) | 2.4690% | 5,891 |
| Retained earnings to average equity (ytd only) | 2.4690% | 5,096 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4394% | 2,182 |
| Assets per employee ($millions) | 4.8728% | 2,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6267% | 6,829 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 81.8111% | 355 |
| Net loans and leases to deposits | 104.8665% | 263 |
| Net loans and leases to core deposits | 111.5225% | 518 |
| Total domestic deposits to total assets | 78.0145% | 6,072 |
| Equity capital to assets | 21.1048% | 200 |
| Core capital (leverage) ratio | 21.1048% | 169 |
| Tier 1 risk-based capital ratio | 30.7226% | 495 |
| Total risk-based capital ratio | 31.4737% | 506 |
| Memoranda: | ||
| Average total assets | $168,737,000 | 3,512 |
| Average earning assets | $165,199,250 | 3,334 |
| Average equity | $35,640,750 | 1,956 |
| Average total loans | $142,784,000 | 2,720 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1878% | 1,291 |
| Cost of funding earning assets | 0.8373% | 2,891 |
| Net interest margin | 4.3505% | 1,338 |
| Noninterest income to average assets | 0.0238% | 6,937 |
| Noninterest expense to average assets | 3.5234% | 1,736 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4603% | 4,997 |
| Return on assets (ROA) | 0.4603% | 5,235 |
| Pretax return on assets | 0.7589% | 4,613 |
| Return on Equity (ROE) | 2.1789% | 5,989 |
| Retained earnings to average equity (ytd only) | 2.1789% | 5,102 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2778% | 1,848 |
| Assets per employee ($millions) | 4.9395% | 2,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6077% | 6,925 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 85.7077% | 151 |
| Net loans and leases to deposits | 110.2211% | 145 |
| Net loans and leases to core deposits | 116.3490% | 382 |
| Total domestic deposits to total assets | 77.7597% | 6,206 |
| Equity capital to assets | 21.2697% | 191 |
| Core capital (leverage) ratio | 21.2697% | 151 |
| Tier 1 risk-based capital ratio | 29.5677% | 539 |
| Total risk-based capital ratio | 30.2961% | 552 |
| Memoranda: | ||
| Average total assets | $168,133,000 | 3,529 |
| Average earning assets | $164,577,000 | 3,351 |
| Average equity | $35,523,000 | 1,949 |
| Average total loans | $143,576,000 | 2,712 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1702% | 1,383 |
| Cost of funding earning assets | 0.8625% | 2,969 |
| Net interest margin | 4.3077% | 1,447 |
| Noninterest income to average assets | 0.0214% | 7,042 |
| Noninterest expense to average assets | 3.5333% | 1,690 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4280% | 5,132 |
| Return on assets (ROA) | 0.4280% | 5,320 |
| Pretax return on assets | 0.7038% | 4,780 |
| Return on Equity (ROE) | 2.0325% | 6,066 |
| Retained earnings to average equity (ytd only) | 2.0325% | 5,253 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3895% | 1,748 |
| Assets per employee ($millions) | 4.7983% | 2,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6056% | 6,979 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0560% | 6,751 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 85.9985% | 119 |
| Net loans and leases to deposits | 110.3525% | 136 |
| Net loans and leases to core deposits | 115.1972% | 399 |
| Total domestic deposits to total assets | 77.9307% | 6,270 |
| Equity capital to assets | 21.1470% | 173 |
| Core capital (leverage) ratio | 21.1470% | 157 |
| Tier 1 risk-based capital ratio | 29.6779% | 539 |
| Total risk-based capital ratio | 30.3347% | 559 |
| Memoranda: | ||
| Average total assets | $168,228,000 | 3,548 |
| Average earning assets | $164,635,000 | 3,366 |
| Average equity | $35,424,000 | 1,956 |
| Average total loans | $142,954,000 | 2,737 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3175% | 1,652 |
| Cost of funding earning assets | 1.0800% | 2,807 |
| Net interest margin | 4.2374% | 1,935 |
| Noninterest income to average assets | 0.0221% | 6,931 |
| Noninterest expense to average assets | 3.0946% | 3,214 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.6409% | 3,780 |
| Return on assets (ROA) | 0.6409% | 3,974 |
| Pretax return on assets | 1.0736% | 2,941 |
| Return on Equity (ROE) | 3.1668% | 5,218 |
| Retained earnings to average equity (ytd only) | 3.1668% | 3,963 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2431% | 3,186 |
| Assets per employee ($millions) | 4.9564% | 2,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6259% | 6,990 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 82.9133% | 279 |
| Net loans and leases to deposits | 106.0428% | 249 |
| Net loans and leases to core deposits | 112.1354% | 560 |
| Total domestic deposits to total assets | 78.1886% | 6,157 |
| Equity capital to assets | 20.9676% | 188 |
| Core capital (leverage) ratio | 20.9676% | 165 |
| Tier 1 risk-based capital ratio | 30.7911% | 477 |
| Total risk-based capital ratio | 31.4760% | 495 |
| Memoranda: | ||
| Average total assets | $171,944,000 | 3,456 |
| Average earning assets | $168,238,200 | 3,274 |
| Average equity | $34,798,200 | 1,931 |
| Average total loans | $145,972,200 | 2,698 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3949% | 1,525 |
| Cost of funding earning assets | 1.1175% | 2,860 |
| Net interest margin | 4.2774% | 1,800 |
| Noninterest income to average assets | 0.0224% | 7,037 |
| Noninterest expense to average assets | 3.1072% | 3,134 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.6551% | 3,846 |
| Return on assets (ROA) | 0.6551% | 4,013 |
| Pretax return on assets | 1.1003% | 3,013 |
| Return on Equity (ROE) | 3.2655% | 5,322 |
| Retained earnings to average equity (ytd only) | 3.2655% | 4,391 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8493% | 3,210 |
| Assets per employee ($millions) | 4.9991% | 2,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6230% | 7,056 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 82.5905% | 315 |
| Net loans and leases to deposits | 105.1906% | 276 |
| Net loans and leases to core deposits | 110.9067% | 636 |
| Total domestic deposits to total assets | 78.5150% | 6,093 |
| Equity capital to assets | 20.6395% | 221 |
| Core capital (leverage) ratio | 20.6395% | 193 |
| Tier 1 risk-based capital ratio | 31.0765% | 491 |
| Total risk-based capital ratio | 31.7728% | 502 |
| Memoranda: | ||
| Average total assets | $172,800,750 | 3,471 |
| Average earning assets | $169,068,500 | 3,271 |
| Average equity | $34,664,250 | 1,940 |
| Average total loans | $147,314,500 | 2,699 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4880% | 1,323 |
| Cost of funding earning assets | 1.1393% | 2,974 |
| Net interest margin | 4.3488% | 1,514 |
| Noninterest income to average assets | 0.0219% | 7,142 |
| Noninterest expense to average assets | 3.2024% | 2,887 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6366% | 3,879 |
| Return on assets (ROA) | 0.6366% | 4,004 |
| Pretax return on assets | 1.0728% | 2,957 |
| Return on Equity (ROE) | 3.2034% | 5,305 |
| Retained earnings to average equity (ytd only) | 3.2034% | 4,228 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9058% | 3,201 |
| Assets per employee ($millions) | 4.9130% | 2,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6044% | 7,132 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 84.1646% | 236 |
| Net loans and leases to deposits | 106.7537% | 243 |
| Net loans and leases to core deposits | 113.7542% | 584 |
| Total domestic deposits to total assets | 78.8399% | 6,126 |
| Equity capital to assets | 20.2290% | 247 |
| Core capital (leverage) ratio | 20.2290% | 210 |
| Tier 1 risk-based capital ratio | 28.4500% | 625 |
| Total risk-based capital ratio | 29.0929% | 655 |
| Memoranda: | ||
| Average total assets | $173,744,330 | 3,472 |
| Average earning assets | $169,933,670 | 3,279 |
| Average equity | $34,525,330 | 1,930 |
| Average total loans | $149,333,000 | 2,694 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5183% | 1,248 |
| Cost of funding earning assets | 1.1542% | 3,133 |
| Net interest margin | 4.3640% | 1,380 |
| Noninterest income to average assets | 0.0206% | 7,243 |
| Noninterest expense to average assets | 3.0371% | 3,499 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7490% | 3,280 |
| Return on assets (ROA) | 0.7490% | 3,347 |
| Pretax return on assets | 1.2529% | 2,189 |
| Return on Equity (ROE) | 3.8028% | 5,000 |
| Retained earnings to average equity (ytd only) | 3.8028% | 3,889 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7955% | 4,102 |
| Assets per employee ($millions) | 5.1028% | 2,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5881% | 7,215 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 85.7350% | 140 |
| Net loans and leases to deposits | 108.1726% | 211 |
| Net loans and leases to core deposits | 115.9713% | 535 |
| Total domestic deposits to total assets | 79.2576% | 6,130 |
| Equity capital to assets | 19.9193% | 263 |
| Core capital (leverage) ratio | 19.9193% | 235 |
| Tier 1 risk-based capital ratio | 27.7788% | 650 |
| Total risk-based capital ratio | 28.4106% | 679 |
| Memoranda: | ||
| Average total assets | $174,638,500 | 3,472 |
| Average earning assets | $170,850,500 | 3,293 |
| Average equity | $34,395,500 | 1,925 |
| Average total loans | $151,196,500 | 2,697 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8397% | 1,178 |
| Cost of funding earning assets | 1.3904% | 3,337 |
| Net interest margin | 4.4494% | 1,351 |
| Noninterest income to average assets | 0.0221% | 7,212 |
| Noninterest expense to average assets | 3.0249% | 3,755 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.8033% | 2,787 |
| Return on assets (ROA) | 0.8033% | 2,920 |
| Pretax return on assets | 1.3475% | 1,808 |
| Return on Equity (ROE) | 4.2298% | 4,417 |
| Retained earnings to average equity (ytd only) | 4.2298% | 2,880 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1819% | 4,346 |
| Assets per employee ($millions) | 4.8828% | 2,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5760% | 7,289 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 86.4065% | 167 |
| Net loans and leases to deposits | 108.3560% | 265 |
| Net loans and leases to core deposits | 115.9726% | 640 |
| Total domestic deposits to total assets | 79.7431% | 5,902 |
| Equity capital to assets | 19.4741% | 288 |
| Core capital (leverage) ratio | 19.4741% | 263 |
| Tier 1 risk-based capital ratio | 27.5525% | 644 |
| Total risk-based capital ratio | 28.1851% | 669 |
| Memoranda: | ||
| Average total assets | $176,400,400 | 3,429 |
| Average earning assets | $172,473,600 | 3,236 |
| Average equity | $33,500,200 | 1,974 |
| Average total loans | $159,964,000 | 2,619 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8640% | 1,219 |
| Cost of funding earning assets | 1.4278% | 3,404 |
| Net interest margin | 4.4363% | 1,410 |
| Noninterest income to average assets | 0.0219% | 7,389 |
| Noninterest expense to average assets | 3.0675% | 3,498 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.7688% | 3,141 |
| Return on assets (ROA) | 0.7688% | 3,294 |
| Pretax return on assets | 1.2906% | 2,200 |
| Return on Equity (ROE) | 4.0739% | 4,744 |
| Retained earnings to average equity (ytd only) | 4.0739% | 3,607 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3864% | 3,988 |
| Assets per employee ($millions) | 4.7783% | 2,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5532% | 7,407 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 89.4805% | 68 |
| Net loans and leases to deposits | 111.8220% | 223 |
| Net loans and leases to core deposits | 119.6521% | 624 |
| Total domestic deposits to total assets | 80.0205% | 5,707 |
| Equity capital to assets | 19.1367% | 342 |
| Core capital (leverage) ratio | 19.1367% | 291 |
| Tier 1 risk-based capital ratio | 26.2145% | 756 |
| Total risk-based capital ratio | 26.8235% | 793 |
| Memoranda: | ||
| Average total assets | $176,555,000 | 3,472 |
| Average earning assets | $172,573,000 | 3,276 |
| Average equity | $33,317,250 | 2,000 |
| Average total loans | $161,763,250 | 2,634 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8893% | 1,210 |
| Cost of funding earning assets | 1.4648% | 3,462 |
| Net interest margin | 4.4245% | 1,379 |
| Noninterest income to average assets | 0.0227% | 7,456 |
| Noninterest expense to average assets | 3.1438% | 3,125 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.7151% | 3,330 |
| Return on assets (ROA) | 0.7151% | 3,485 |
| Pretax return on assets | 1.2024% | 2,407 |
| Return on Equity (ROE) | 3.8075% | 4,877 |
| Retained earnings to average equity (ytd only) | 3.8075% | 3,670 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3338% | 3,765 |
| Assets per employee ($millions) | 4.7440% | 2,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5435% | 7,473 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 91.7450% | 34 |
| Net loans and leases to deposits | 114.6152% | 196 |
| Net loans and leases to core deposits | 121.9217% | 634 |
| Total domestic deposits to total assets | 80.0460% | 5,709 |
| Equity capital to assets | 19.0544% | 339 |
| Core capital (leverage) ratio | 19.0544% | 289 |
| Tier 1 risk-based capital ratio | 25.3873% | 817 |
| Total risk-based capital ratio | 25.9839% | 852 |
| Memoranda: | ||
| Average total assets | $176,474,670 | 3,495 |
| Average earning assets | $172,447,330 | 3,300 |
| Average equity | $33,145,330 | 2,009 |
| Average total loans | $162,658,330 | 2,656 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8873% | 1,226 |
| Cost of funding earning assets | 1.5083% | 3,501 |
| Net interest margin | 4.3790% | 1,448 |
| Noninterest income to average assets | 0.0226% | 7,590 |
| Noninterest expense to average assets | 2.9410% | 3,908 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8138% | 2,905 |
| Return on assets (ROA) | 0.8138% | 3,003 |
| Pretax return on assets | 1.3609% | 1,877 |
| Return on Equity (ROE) | 4.3643% | 4,728 |
| Retained earnings to average equity (ytd only) | 4.3643% | 3,534 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3657% | 4,650 |
| Assets per employee ($millions) | 4.9412% | 2,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5410% | 7,559 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 90.9446% | 55 |
| Net loans and leases to deposits | 112.8886% | 231 |
| Net loans and leases to core deposits | 120.0485% | 786 |
| Total domestic deposits to total assets | 80.5614% | 5,601 |
| Equity capital to assets | 18.6499% | 366 |
| Core capital (leverage) ratio | 18.6499% | 331 |
| Tier 1 risk-based capital ratio | 25.1065% | 853 |
| Total risk-based capital ratio | 25.7014% | 898 |
| Memoranda: | ||
| Average total assets | $176,947,500 | 3,544 |
| Average earning assets | $172,915,000 | 3,355 |
| Average equity | $32,995,000 | 2,035 |
| Average total loans | $163,028,000 | 2,718 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0188% | 1,791 |
| Cost of funding earning assets | 1.9852% | 3,030 |
| Net interest margin | 4.0335% | 2,729 |
| Noninterest income to average assets | 0.0192% | 7,628 |
| Noninterest expense to average assets | 2.9139% | 4,493 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.6305% | 3,215 |
| Return on assets (ROA) | 0.6305% | 3,276 |
| Pretax return on assets | 1.0484% | 2,421 |
| Return on Equity (ROE) | 3.4631% | 4,304 |
| Retained earnings to average equity (ytd only) | 3.4631% | 2,744 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5407% | 3,986 |
| Assets per employee ($millions) | 5.0289% | 2,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5386% | 7,634 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 92.3352% | 31 |
| Net loans and leases to deposits | 114.5870% | 255 |
| Net loans and leases to core deposits | 192.2848% | 122 |
| Total domestic deposits to total assets | 80.5809% | 5,481 |
| Equity capital to assets | 18.6436% | 395 |
| Core capital (leverage) ratio | 18.6436% | 356 |
| Tier 1 risk-based capital ratio | 24.6843% | 883 |
| Total risk-based capital ratio | 25.2755% | 924 |
| Memoranda: | ||
| Average total assets | $176,840,600 | 3,491 |
| Average earning assets | $172,875,200 | 3,307 |
| Average equity | $32,196,200 | 2,075 |
| Average total loans | $162,618,800 | 2,720 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0335% | 1,908 |
| Cost of funding earning assets | 2.0782% | 2,992 |
| Net interest margin | 3.9553% | 3,010 |
| Noninterest income to average assets | 0.0188% | 7,776 |
| Noninterest expense to average assets | 2.9536% | 4,232 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.5633% | 3,747 |
| Return on assets (ROA) | 0.5633% | 3,825 |
| Pretax return on assets | 0.9323% | 3,125 |
| Return on Equity (ROE) | 3.1126% | 4,741 |
| Retained earnings to average equity (ytd only) | 3.1126% | 3,580 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0078% | 3,515 |
| Assets per employee ($millions) | 5.2040% | 1,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5322% | 7,673 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 92.9630% | 37 |
| Net loans and leases to deposits | 115.0421% | 290 |
| Net loans and leases to core deposits | 190.7947% | 133 |
| Total domestic deposits to total assets | 80.8079% | 5,152 |
| Equity capital to assets | 18.3387% | 482 |
| Core capital (leverage) ratio | 18.3387% | 432 |
| Tier 1 risk-based capital ratio | 24.2261% | 976 |
| Total risk-based capital ratio | 24.8130% | 1,022 |
| Memoranda: | ||
| Average total assets | $177,047,750 | 3,508 |
| Average earning assets | $173,094,750 | 3,334 |
| Average equity | $32,041,500 | 2,103 |
| Average total loans | $162,423,250 | 2,751 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0348% | 2,035 |
| Cost of funding earning assets | 2.1802% | 2,882 |
| Net interest margin | 3.8546% | 3,323 |
| Noninterest income to average assets | 0.0203% | 7,865 |
| Noninterest expense to average assets | 3.0155% | 4,022 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.4698% | 4,217 |
| Return on assets (ROA) | 0.4698% | 4,331 |
| Pretax return on assets | 0.7748% | 3,763 |
| Return on Equity (ROE) | 2.6077% | 5,055 |
| Retained earnings to average equity (ytd only) | 2.6077% | 3,876 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5590% | 3,120 |
| Assets per employee ($millions) | 5.0044% | 2,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5416% | 7,738 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 92.2611% | 49 |
| Net loans and leases to deposits | 114.2252% | 389 |
| Net loans and leases to core deposits | 184.9065% | 185 |
| Total domestic deposits to total assets | 80.7712% | 5,165 |
| Equity capital to assets | 18.3359% | 522 |
| Core capital (leverage) ratio | 18.3359% | 472 |
| Tier 1 risk-based capital ratio | 22.9047% | 1,147 |
| Total risk-based capital ratio | 23.4652% | 1,195 |
| Memoranda: | ||
| Average total assets | $177,084,670 | 3,524 |
| Average earning assets | $173,195,330 | 3,357 |
| Average equity | $31,906,000 | 2,119 |
| Average total loans | $161,442,330 | 2,789 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0459% | 2,174 |
| Cost of funding earning assets | 2.3160% | 2,631 |
| Net interest margin | 3.7299% | 3,763 |
| Noninterest income to average assets | 0.0202% | 7,976 |
| Noninterest expense to average assets | 2.9228% | 4,079 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4538% | 4,637 |
| Return on assets (ROA) | 0.4538% | 4,809 |
| Pretax return on assets | 0.7481% | 4,262 |
| Return on Equity (ROE) | 2.5408% | 5,557 |
| Retained earnings to average equity (ytd only) | 2.5408% | 4,465 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6206% | 2,881 |
| Assets per employee ($millions) | 4.9329% | 2,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5476% | 7,756 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 89.9953% | 136 |
| Net loans and leases to deposits | 110.7593% | 582 |
| Net loans and leases to core deposits | 180.2016% | 235 |
| Total domestic deposits to total assets | 81.2530% | 4,863 |
| Equity capital to assets | 17.9643% | 605 |
| Core capital (leverage) ratio | 17.9643% | 557 |
| Tier 1 risk-based capital ratio | 23.0256% | 1,195 |
| Total risk-based capital ratio | 23.5929% | 1,229 |
| Memoranda: | ||
| Average total assets | $178,050,000 | 3,544 |
| Average earning assets | $174,268,000 | 3,363 |
| Average equity | $31,801,000 | 2,130 |
| Average total loans | $160,924,000 | 2,827 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6302% | 2,339 |
| Cost of funding earning assets | 2.8513% | 2,476 |
| Net interest margin | 3.7789% | 4,106 |
| Noninterest income to average assets | 0.0439% | 7,921 |
| Noninterest expense to average assets | 2.6417% | 5,480 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.5306% | 4,614 |
| Return on assets (ROA) | 0.5306% | 4,466 |
| Pretax return on assets | 1.0934% | 3,049 |
| Return on Equity (ROE) | 3.0609% | 5,213 |
| Retained earnings to average equity (ytd only) | 3.0609% | 3,257 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7274% | 4,190 |
| Assets per employee ($millions) | 5.1004% | 1,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5461% | 7,772 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 89.7795% | 212 |
| Net loans and leases to deposits | 110.7335% | 788 |
| Net loans and leases to core deposits | 182.8115% | 260 |
| Total domestic deposits to total assets | 81.0771% | 4,604 |
| Equity capital to assets | 17.7577% | 681 |
| Core capital (leverage) ratio | 17.7577% | 630 |
| Tier 1 risk-based capital ratio | 22.6177% | 1,235 |
| Total risk-based capital ratio | 23.1785% | 1,290 |
| Memoranda: | ||
| Average total assets | $179,996,400 | 3,405 |
| Average earning assets | $175,816,600 | 3,246 |
| Average equity | $31,199,600 | 2,159 |
| Average total loans | $162,075,200 | 2,745 |