Home > First Federal Savings of Middletown > Performance and Condition Ratios
First Federal Savings of Middletown, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9597% | 671 |
| Cost of funding earning assets | 0.9127% | 3,490 |
| Net interest margin | 5.0470% | 298 |
| Noninterest income to average assets | 0.0800% | 4,348 |
| Noninterest expense to average assets | 2.5831% | 2,063 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.7262% | 696 |
| Return on assets (ROA) | 1.7262% | 670 |
| Pretax return on assets | 2.2604% | 456 |
| Return on Equity (ROE) | 4.8800% | 3,744 |
| Retained earnings to average equity (ytd only) | 4.8827% | 2,641 |
| 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 | 52.7229% | 3,774 |
| Assets per employee ($millions) | 14.0542% | 257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0394% | 3,113 |
| 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 | 73.7300% | 1,392 |
| Net loans and leases to deposits | 122.6564% | 71 |
| Net loans and leases to core deposits | 140.3823% | 276 |
| Total domestic deposits to total assets | 60.1100% | 4,438 |
| Equity capital to assets | 36.0747% | 145 |
| Core capital (leverage) ratio | 36.4825% | 101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $168,287,600 | 3,201 |
| Average earning assets | $160,629,600 | 3,166 |
| Average equity | $59,495,400 | 1,403 |
| Average total loans | $122,280,400 | 2,930 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9252% | 583 |
| Cost of funding earning assets | 0.8519% | 3,395 |
| Net interest margin | 5.0732% | 287 |
| Noninterest income to average assets | 0.0800% | 4,369 |
| Noninterest expense to average assets | 2.1538% | 3,204 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 2.0586% | 465 |
| Return on assets (ROA) | 2.0586% | 457 |
| Pretax return on assets | 2.6817% | 321 |
| Return on Equity (ROE) | 5.8500% | 3,669 |
| Retained earnings to average equity (ytd only) | 5.8530% | 2,673 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 43.7238% | 4,244 |
| Assets per employee ($millions) | 13.9304% | 247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0691% | 3,023 |
| 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 | 73.4000% | 1,418 |
| Net loans and leases to deposits | 122.3557% | 66 |
| Net loans and leases to core deposits | 138.7655% | 233 |
| Total domestic deposits to total assets | 59.9900% | 4,459 |
| Equity capital to assets | 36.2109% | 149 |
| Core capital (leverage) ratio | 36.2968% | 103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $168,197,000 | 3,211 |
| Average earning assets | $160,577,000 | 3,177 |
| Average equity | $59,159,250 | 1,398 |
| Average total loans | $121,439,500 | 2,936 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7357% | 604 |
| Cost of funding earning assets | 0.7814% | 3,263 |
| Net interest margin | 4.9543% | 331 |
| Noninterest income to average assets | 0.0600% | 4,461 |
| Noninterest expense to average assets | 2.0731% | 3,418 |
| Loan and lease loss provision to assets | 0.1800% | 602 |
| Net operating income to assets | 1.9426% | 512 |
| Return on assets (ROA) | 1.9426% | 509 |
| Pretax return on assets | 2.5383% | 338 |
| Return on Equity (ROE) | 5.5800% | 3,782 |
| Retained earnings to average equity (ytd only) | 5.5774% | 2,757 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 43.2319% | 4,291 |
| Assets per employee ($millions) | 15.0483% | 196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0746% | 3,069 |
| 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 | 76.0200% | 1,045 |
| Net loans and leases to deposits | 126.1220% | 66 |
| Net loans and leases to core deposits | 142.5245% | 193 |
| Total domestic deposits to total assets | 60.2800% | 4,485 |
| Equity capital to assets | 35.9884% | 143 |
| Core capital (leverage) ratio | 35.6641% | 101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $168,541,000 | 3,219 |
| Average earning assets | $160,992,000 | 3,184 |
| Average equity | $58,701,667 | 1,413 |
| Average total loans | $120,576,667 | 2,941 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4922% | 629 |
| Cost of funding earning assets | 0.6819% | 3,113 |
| Net interest margin | 4.8103% | 366 |
| Noninterest income to average assets | 0.0600% | 4,506 |
| Noninterest expense to average assets | 2.4417% | 2,392 |
| Loan and lease loss provision to assets | 0.1600% | 685 |
| Net operating income to assets | 1.5596% | 1,058 |
| Return on assets (ROA) | 1.5596% | 1,052 |
| Pretax return on assets | 2.0559% | 705 |
| Return on Equity (ROE) | 4.5500% | 3,946 |
| Retained earnings to average equity (ytd only) | 4.5515% | 3,118 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 52.4507% | 3,742 |
| Assets per employee ($millions) | 12.0874% | 385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0838% | 3,138 |
| 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 | 68.9800% | 1,731 |
| Net loans and leases to deposits | 111.9447% | 155 |
| Net loans and leases to core deposits | 123.7131% | 370 |
| Total domestic deposits to total assets | 61.6200% | 4,531 |
| Equity capital to assets | 34.6277% | 107 |
| Core capital (leverage) ratio | 34.5912% | 110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $170,046,000 | 3,261 |
| Average earning assets | $162,486,000 | 3,214 |
| Average equity | $58,266,500 | 1,429 |
| Average total loans | $117,260,500 | 3,010 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9417% | 1,883 |
| Cost of funding earning assets | 0.3783% | 2,274 |
| Net interest margin | 3.5634% | 1,748 |
| Noninterest income to average assets | 0.0600% | 4,553 |
| Noninterest expense to average assets | 2.1436% | 3,182 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.9547% | 2,746 |
| Return on assets (ROA) | 0.9547% | 2,697 |
| Pretax return on assets | 1.2584% | 2,245 |
| Return on Equity (ROE) | 2.9200% | 4,301 |
| Retained earnings to average equity (ytd only) | 2.9152% | 3,742 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 61.9032% | 2,777 |
| Assets per employee ($millions) | 14.2391% | 233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0402% | 3,156 |
| 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 | 67.4800% | 1,887 |
| Net loans and leases to deposits | 108.0334% | 195 |
| Net loans and leases to core deposits | 119.3143% | 381 |
| Total domestic deposits to total assets | 62.4600% | 4,562 |
| Equity capital to assets | 33.9061% | 111 |
| Core capital (leverage) ratio | 33.3318% | 114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $174,195,600 | 3,241 |
| Average earning assets | $166,525,400 | 3,192 |
| Average equity | $57,045,400 | 1,460 |
| Average total loans | $102,182,000 | 3,119 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6068% | 2,324 |
| Cost of funding earning assets | 0.3490% | 1,715 |
| Net interest margin | 3.2578% | 2,433 |
| Noninterest income to average assets | 0.0500% | 4,607 |
| Noninterest expense to average assets | 1.9623% | 3,583 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.8875% | 2,929 |
| Return on assets (ROA) | 0.8875% | 2,897 |
| Pretax return on assets | 1.1739% | 2,473 |
| Return on Equity (ROE) | 2.7300% | 4,333 |
| Retained earnings to average equity (ytd only) | 2.7336% | 3,853 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.9529% | 2,832 |
| Assets per employee ($millions) | 13.6115% | 261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0432% | 3,287 |
| 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 | 61.4900% | 2,349 |
| Net loans and leases to deposits | 96.3258% | 543 |
| Net loans and leases to core deposits | 104.7060% | 623 |
| Total domestic deposits to total assets | 63.8300% | 4,601 |
| Equity capital to assets | 32.4602% | 108 |
| Core capital (leverage) ratio | 31.5787% | 114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $175,027,250 | 3,258 |
| Average earning assets | $167,345,500 | 3,200 |
| Average equity | $56,823,000 | 1,479 |
| Average total loans | $98,598,750 | 3,175 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3606% | 2,546 |
| Cost of funding earning assets | 0.3515% | 1,242 |
| Net interest margin | 3.0091% | 2,846 |
| Noninterest income to average assets | 0.0516% | 4,625 |
| Noninterest expense to average assets | 1.8969% | 3,709 |
| Loan and lease loss provision to assets | -0.0895% | 4,578 |
| Net operating income to assets | 0.8498% | 2,779 |
| Return on assets (ROA) | 0.8498% | 2,756 |
| Pretax return on assets | 1.1205% | 2,334 |
| Return on Equity (ROE) | 2.6175% | 4,272 |
| Retained earnings to average equity (ytd only) | 2.6175% | 3,574 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7865% | 2,667 |
| Assets per employee ($millions) | 14.0482% | 230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0487% | 3,384 |
| 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 | 53.1146% | 3,052 |
| Net loans and leases to deposits | 81.3017% | 1,292 |
| Net loans and leases to core deposits | 88.0435% | 1,221 |
| Total domestic deposits to total assets | 65.3302% | 4,662 |
| Equity capital to assets | 31.2195% | 62 |
| Core capital (leverage) ratio | 32.3629% | 65 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $174,386,667 | 3,293 |
| Average earning assets | $166,695,333 | 3,252 |
| Average equity | $56,618,000 | 1,511 |
| Average total loans | $94,816,333 | 3,257 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4179% | 2,036 |
| Cost of funding earning assets | 0.3962% | 892 |
| Net interest margin | 3.0218% | 2,434 |
| Noninterest income to average assets | 0.0540% | 4,651 |
| Noninterest expense to average assets | 2.0885% | 3,183 |
| Loan and lease loss provision to assets | 0.0164% | 2,056 |
| Net operating income to assets | 0.6343% | 3,279 |
| Return on assets (ROA) | 0.6343% | 3,260 |
| Pretax return on assets | 0.8340% | 3,001 |
| Return on Equity (ROE) | 1.9142% | 4,270 |
| Retained earnings to average equity (ytd only) | 1.9142% | 3,567 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0631% | 2,096 |
| Assets per employee ($millions) | 14.1135% | 241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1910% | 2,904 |
| 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 | 54.5229% | 2,688 |
| Net loans and leases to deposits | 86.6710% | 698 |
| Net loans and leases to core deposits | 94.5158% | 710 |
| Total domestic deposits to total assets | 62.9079% | 4,715 |
| Equity capital to assets | 33.3924% | 54 |
| Core capital (leverage) ratio | 33.1463% | 54 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $170,267,000 | 3,344 |
| Average earning assets | $162,554,000 | 3,301 |
| Average equity | $56,419,500 | 1,559 |
| Average total loans | $93,210,000 | 3,282 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0899% | 3,704 |
| Cost of funding earning assets | 0.4142% | 1,442 |
| Net interest margin | 2.6757% | 3,920 |
| Noninterest income to average assets | 0.0211% | 4,769 |
| Noninterest expense to average assets | 1.8861% | 3,956 |
| Loan and lease loss provision to assets | 0.1377% | 881 |
| Net operating income to assets | 0.4167% | 4,250 |
| Return on assets (ROA) | 0.4167% | 4,287 |
| Pretax return on assets | 0.5867% | 4,128 |
| Return on Equity (ROE) | 1.2717% | 4,581 |
| Retained earnings to average equity (ytd only) | 1.2717% | 4,183 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2497% | 1,486 |
| Assets per employee ($millions) | 15.5611% | 189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1897% | 2,930 |
| 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 | 53.6653% | 2,890 |
| Net loans and leases to deposits | 86.3752% | 759 |
| Net loans and leases to core deposits | 95.1286% | 726 |
| Total domestic deposits to total assets | 62.1305% | 4,761 |
| Equity capital to assets | 32.8821% | 51 |
| Core capital (leverage) ratio | 32.9209% | 54 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $170,616,600 | 3,295 |
| Average earning assets | $165,117,800 | 3,229 |
| Average equity | $55,909,200 | 1,611 |
| Average total loans | $81,651,000 | 3,446 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0396% | 3,930 |
| Cost of funding earning assets | 0.4140% | 1,594 |
| Net interest margin | 2.6256% | 4,094 |
| Noninterest income to average assets | 0.0133% | 4,854 |
| Noninterest expense to average assets | 1.9052% | 3,934 |
| Loan and lease loss provision to assets | 0.1032% | 1,169 |
| Net operating income to assets | 0.3910% | 4,384 |
| Return on assets (ROA) | 0.3910% | 4,418 |
| Pretax return on assets | 0.5545% | 4,293 |
| Return on Equity (ROE) | 1.1944% | 4,678 |
| Retained earnings to average equity (ytd only) | 1.1944% | 4,374 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3363% | 1,188 |
| Assets per employee ($millions) | 14.2458% | 232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1980% | 2,998 |
| 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 | 48.3902% | 3,587 |
| Net loans and leases to deposits | 78.4454% | 1,440 |
| Net loans and leases to core deposits | 86.9085% | 1,225 |
| Total domestic deposits to total assets | 61.6865% | 4,829 |
| Equity capital to assets | 32.8002% | 53 |
| Core capital (leverage) ratio | 32.9128% | 57 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $170,477,750 | 3,333 |
| Average earning assets | $165,545,250 | 3,258 |
| Average equity | $55,815,250 | 1,629 |
| Average total loans | $78,822,250 | 3,545 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0236% | 3,998 |
| Cost of funding earning assets | 0.4124% | 1,783 |
| Net interest margin | 2.6113% | 4,145 |
| Noninterest income to average assets | 0.0141% | 4,891 |
| Noninterest expense to average assets | 1.8788% | 4,017 |
| Loan and lease loss provision to assets | 0.1703% | 682 |
| Net operating income to assets | 0.3605% | 4,452 |
| Return on assets (ROA) | 0.3605% | 4,487 |
| Pretax return on assets | 0.5155% | 4,366 |
| Return on Equity (ROE) | 1.1017% | 4,693 |
| Retained earnings to average equity (ytd only) | 1.1017% | 4,323 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2601% | 1,311 |
| Assets per employee ($millions) | 15.3551% | 191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2068% | 2,896 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 49.1936% | 3,635 |
| Net loans and leases to deposits | 80.0947% | 1,416 |
| Net loans and leases to core deposits | 88.7981% | 1,220 |
| Total domestic deposits to total assets | 61.4194% | 4,861 |
| Equity capital to assets | 33.0870% | 53 |
| Core capital (leverage) ratio | 33.2429% | 54 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $170,320,333 | 3,335 |
| Average earning assets | $166,356,667 | 3,258 |
| Average equity | $55,729,667 | 1,622 |
| Average total loans | $77,187,667 | 3,597 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1054% | 3,871 |
| Cost of funding earning assets | 0.4217% | 1,924 |
| Net interest margin | 2.6837% | 3,995 |
| Noninterest income to average assets | 0.0164% | 4,909 |
| Noninterest expense to average assets | 2.1002% | 3,425 |
| Loan and lease loss provision to assets | 0.1403% | 952 |
| Net operating income to assets | 0.3087% | 4,505 |
| Return on assets (ROA) | 0.3087% | 4,539 |
| Pretax return on assets | 0.3953% | 4,492 |
| Return on Equity (ROE) | 0.9488% | 4,716 |
| Retained earnings to average equity (ytd only) | 0.9488% | 4,227 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6806% | 841 |
| Assets per employee ($millions) | 16.1858% | 159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2163% | 2,846 |
| 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 | 42.4232% | 4,206 |
| Net loans and leases to deposits | 74.6445% | 2,054 |
| Net loans and leases to core deposits | 82.9093% | 1,761 |
| Total domestic deposits to total assets | 56.8337% | 4,903 |
| Equity capital to assets | 31.2934% | 60 |
| Core capital (leverage) ratio | 33.9513% | 52 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $171,027,500 | 3,322 |
| Average earning assets | $166,934,500 | 3,238 |
| Average equity | $55,651,500 | 1,617 |
| Average total loans | $73,728,500 | 3,674 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4364% | 4,147 |
| Cost of funding earning assets | 0.5658% | 2,530 |
| Net interest margin | 2.8705% | 4,166 |
| Noninterest income to average assets | 0.0185% | 4,922 |
| Noninterest expense to average assets | 2.0190% | 4,102 |
| Loan and lease loss provision to assets | 0.1890% | 2,059 |
| Net operating income to assets | 0.4846% | 4,057 |
| Return on assets (ROA) | 0.4846% | 4,145 |
| Pretax return on assets | 0.6092% | 4,060 |
| Return on Equity (ROE) | 1.3741% | 4,636 |
| Retained earnings to average equity (ytd only) | 1.3741% | 4,076 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6682% | 1,726 |
| Assets per employee ($millions) | 14.9101% | 183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2268% | 2,807 |
| 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 | 42.7557% | 4,313 |
| Net loans and leases to deposits | 70.5544% | 2,819 |
| Net loans and leases to core deposits | 78.4525% | 2,520 |
| Total domestic deposits to total assets | 60.5996% | 4,910 |
| Equity capital to assets | 33.8922% | 50 |
| Core capital (leverage) ratio | 34.0931% | 50 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $156,609,000 | 3,320 |
| Average earning assets | $152,691,000 | 3,237 |
| Average equity | $55,238,000 | 1,554 |
| Average total loans | $66,078,200 | 3,809 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5747% | 4,076 |
| Cost of funding earning assets | 0.5799% | 2,742 |
| Net interest margin | 2.9948% | 3,991 |
| Noninterest income to average assets | 0.0146% | 4,963 |
| Noninterest expense to average assets | 2.0711% | 4,005 |
| Loan and lease loss provision to assets | 0.2346% | 1,738 |
| Net operating income to assets | 0.5721% | 3,854 |
| Return on assets (ROA) | 0.5721% | 3,947 |
| Pretax return on assets | 0.6281% | 4,054 |
| Return on Equity (ROE) | 1.6053% | 4,609 |
| Retained earnings to average equity (ytd only) | 1.6053% | 4,055 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6021% | 1,803 |
| Assets per employee ($millions) | 13.5718% | 225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2190% | 2,561 |
| 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 | 42.1458% | 4,491 |
| Net loans and leases to deposits | 70.2988% | 3,286 |
| Net loans and leases to core deposits | 78.1908% | 2,991 |
| Total domestic deposits to total assets | 59.9524% | 4,932 |
| Equity capital to assets | 34.0763% | 48 |
| Core capital (leverage) ratio | 35.1398% | 51 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,758,500 | 3,319 |
| Average earning assets | $150,834,500 | 3,235 |
| Average equity | $55,150,750 | 1,546 |
| Average total loans | $64,849,000 | 3,850 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6948% | 4,101 |
| Cost of funding earning assets | 0.5834% | 3,056 |
| Net interest margin | 3.1114% | 3,876 |
| Noninterest income to average assets | 0.0132% | 4,989 |
| Noninterest expense to average assets | 2.0979% | 4,034 |
| Loan and lease loss provision to assets | 0.2762% | 1,547 |
| Net operating income to assets | 0.6550% | 3,564 |
| Return on assets (ROA) | 0.6550% | 3,657 |
| Pretax return on assets | 0.6695% | 3,930 |
| Return on Equity (ROE) | 1.8097% | 4,563 |
| Retained earnings to average equity (ytd only) | 1.8097% | 3,827 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9283% | 2,097 |
| Assets per employee ($millions) | 11.9063% | 322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2498% | 2,252 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 40.0731% | 4,601 |
| Net loans and leases to deposits | 69.1344% | 3,488 |
| Net loans and leases to core deposits | 77.5800% | 3,146 |
| Total domestic deposits to total assets | 57.9641% | 4,976 |
| Equity capital to assets | 35.7503% | 46 |
| Core capital (leverage) ratio | 35.9685% | 50 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $152,057,667 | 3,335 |
| Average earning assets | $148,102,000 | 3,241 |
| Average equity | $55,035,333 | 1,527 |
| Average total loans | $63,303,333 | 3,891 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6620% | 4,452 |
| Cost of funding earning assets | 0.5999% | 3,439 |
| Net interest margin | 3.0621% | 4,175 |
| Noninterest income to average assets | 0.0159% | 5,029 |
| Noninterest expense to average assets | 2.2615% | 3,855 |
| Loan and lease loss provision to assets | 0.2601% | 1,198 |
| Net operating income to assets | 0.3769% | 4,183 |
| Return on assets (ROA) | 0.3769% | 4,218 |
| Pretax return on assets | 0.4751% | 4,159 |
| Return on Equity (ROE) | 1.0349% | 4,624 |
| Retained earnings to average equity (ytd only) | 1.0349% | 3,733 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4650% | 1,626 |
| Assets per employee ($millions) | 11.6895% | 252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0376% | 3,501 |
| 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 | 42.2386% | 4,582 |
| Net loans and leases to deposits | 73.4598% | 3,327 |
| Net loans and leases to core deposits | 82.8808% | 2,946 |
| Total domestic deposits to total assets | 57.4989% | 5,038 |
| Equity capital to assets | 36.1568% | 54 |
| Core capital (leverage) ratio | 36.4487% | 51 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 60.9494% | 59 |
| Memoranda: | ||
| Average total assets | $150,695,500 | 3,315 |
| Average earning assets | $146,694,500 | 3,224 |
| Average equity | $54,885,500 | 1,522 |
| Average total loans | $63,549,500 | 3,895 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5162% | 4,847 |
| Cost of funding earning assets | 0.5608% | 3,821 |
| Net interest margin | 2.9554% | 4,565 |
| Noninterest income to average assets | 0.0154% | 5,102 |
| Noninterest expense to average assets | 2.1119% | 4,340 |
| Loan and lease loss provision to assets | 0.2254% | 855 |
| Net operating income to assets | 0.4546% | 4,498 |
| Return on assets (ROA) | 0.4562% | 4,529 |
| Pretax return on assets | 0.5673% | 4,468 |
| Return on Equity (ROE) | 1.2522% | 4,887 |
| Retained earnings to average equity (ytd only) | 1.2522% | 4,290 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7587% | 1,763 |
| Assets per employee ($millions) | 11.4945% | 257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9239% | 3,863 |
| Loan loss allowance to noncurrent loans | 422.7941% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.0910% | 4,178 |
| Noncurrent loans to loans | 0.2185% | 3,669 |
| Net loans and leases to total assets | 41.2667% | 4,693 |
| Net loans and leases to deposits | 70.2972% | 3,646 |
| Net loans and leases to core deposits | 78.7334% | 3,393 |
| Total domestic deposits to total assets | 58.7032% | 5,094 |
| Equity capital to assets | 36.6906% | 56 |
| Core capital (leverage) ratio | 36.9184% | 57 |
| Tier 1 risk-based capital ratio | 64.2871% | 82 |
| Total risk-based capital ratio | 64.9616% | 83 |
| Memoranda: | ||
| Average total assets | $149,487,200 | 3,305 |
| Average earning assets | $146,036,800 | 3,210 |
| Average equity | $54,463,000 | 1,481 |
| Average total loans | $44,666,600 | 4,288 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5005% | 4,961 |
| Cost of funding earning assets | 0.5576% | 3,886 |
| Net interest margin | 2.9429% | 4,704 |
| Noninterest income to average assets | 0.0161% | 5,179 |
| Noninterest expense to average assets | 2.0450% | 4,462 |
| Loan and lease loss provision to assets | 0.1677% | 1,109 |
| Net operating income to assets | 0.5503% | 4,402 |
| Return on assets (ROA) | 0.5503% | 4,459 |
| Pretax return on assets | 0.6796% | 4,387 |
| Return on Equity (ROE) | 1.5130% | 4,966 |
| Retained earnings to average equity (ytd only) | 1.5130% | 4,431 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7061% | 2,018 |
| Assets per employee ($millions) | 12.3474% | 198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8960% | 4,060 |
| Loan loss allowance to noncurrent loans | 313.9706% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.0918% | 4,255 |
| Noncurrent loans to loans | 0.2854% | 3,516 |
| Net loans and leases to total assets | 31.8764% | 5,022 |
| Net loans and leases to deposits | 54.9159% | 4,597 |
| Net loans and leases to core deposits | 61.6070% | 4,471 |
| Total domestic deposits to total assets | 58.0459% | 5,174 |
| Equity capital to assets | 36.9483% | 54 |
| Core capital (leverage) ratio | 36.9739% | 56 |
| Tier 1 risk-based capital ratio | 75.1513% | 61 |
| Total risk-based capital ratio | 75.7375% | 63 |
| Memoranda: | ||
| Average total assets | $149,502,000 | 3,337 |
| Average earning assets | $146,109,500 | 3,244 |
| Average equity | $54,372,250 | 1,484 |
| Average total loans | $40,273,500 | 4,455 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3984% | 5,082 |
| Cost of funding earning assets | 0.5691% | 3,797 |
| Net interest margin | 2.8292% | 4,896 |
| Noninterest income to average assets | 0.0160% | 5,225 |
| Noninterest expense to average assets | 2.0020% | 4,599 |
| Loan and lease loss provision to assets | 0.2081% | 814 |
| Net operating income to assets | 0.4751% | 4,582 |
| Return on assets (ROA) | 0.4895% | 4,581 |
| Pretax return on assets | 0.5882% | 4,567 |
| Return on Equity (ROE) | 1.3531% | 5,016 |
| Retained earnings to average equity (ytd only) | 1.3531% | 4,333 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9904% | 1,922 |
| Assets per employee ($millions) | 12.4174% | 183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8869% | 4,145 |
| Loan loss allowance to noncurrent loans | 289.7059% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 0.0913% | 4,312 |
| Noncurrent loans to loans | 0.3061% | 3,451 |
| Net loans and leases to total assets | 29.5486% | 5,106 |
| Net loans and leases to deposits | 50.4480% | 4,787 |
| Net loans and leases to core deposits | 56.5626% | 4,698 |
| Total domestic deposits to total assets | 58.5723% | 5,221 |
| Equity capital to assets | 36.5803% | 55 |
| Core capital (leverage) ratio | 36.6090% | 54 |
| Tier 1 risk-based capital ratio | 73.6565% | 58 |
| Total risk-based capital ratio | 74.1890% | 61 |
| Memoranda: | ||
| Average total assets | $149,946,330 | 3,351 |
| Average earning assets | $146,541,670 | 3,258 |
| Average equity | $54,247,670 | 1,480 |
| Average total loans | $37,812,000 | 4,549 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3008% | 5,170 |
| Cost of funding earning assets | 0.5524% | 3,812 |
| Net interest margin | 2.7484% | 5,026 |
| Noninterest income to average assets | 0.0160% | 5,287 |
| Noninterest expense to average assets | 2.0503% | 4,556 |
| Loan and lease loss provision to assets | 0.2766% | 490 |
| Net operating income to assets | 0.3510% | 4,829 |
| Return on assets (ROA) | 0.3510% | 4,835 |
| Pretax return on assets | 0.3750% | 4,873 |
| Return on Equity (ROE) | 0.9757% | 5,073 |
| Retained earnings to average equity (ytd only) | 0.9757% | 4,314 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8858% | 1,510 |
| Assets per employee ($millions) | 13.4646% | 152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8719% | 4,266 |
| Loan loss allowance to noncurrent loans | 251.4706% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0918% | 4,353 |
| Noncurrent loans to loans | 0.3467% | 3,334 |
| Net loans and leases to total assets | 26.2533% | 5,204 |
| Net loans and leases to deposits | 44.7988% | 4,966 |
| Net loans and leases to core deposits | 50.1871% | 4,881 |
| Total domestic deposits to total assets | 58.6027% | 5,288 |
| Equity capital to assets | 36.6246% | 54 |
| Core capital (leverage) ratio | 36.1421% | 54 |
| Tier 1 risk-based capital ratio | 80.1025% | 54 |
| Total risk-based capital ratio | 80.6073% | 54 |
| Memoranda: | ||
| Average total assets | $150,415,000 | 3,379 |
| Average earning assets | $146,994,000 | 3,295 |
| Average equity | $54,117,500 | 1,467 |
| Average total loans | $34,506,000 | 4,690 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8331% | 5,282 |
| Cost of funding earning assets | 0.4702% | 3,550 |
| Net interest margin | 2.3629% | 5,263 |
| Noninterest income to average assets | 0.0158% | 5,328 |
| Noninterest expense to average assets | 1.9471% | 4,829 |
| Loan and lease loss provision to assets | 0.0400% | 3,387 |
| Net operating income to assets | 0.2920% | 5,018 |
| Return on assets (ROA) | 0.2920% | 5,014 |
| Pretax return on assets | 0.3373% | 5,013 |
| Return on Equity (ROE) | 0.8255% | 5,180 |
| Retained earnings to average equity (ytd only) | 0.8255% | 4,768 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7662% | 666 |
| Assets per employee ($millions) | 15.2719% | 98 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7990% | 4,539 |
| 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 | 19.3480% | 5,310 |
| Net loans and leases to deposits | 32.1485% | 5,243 |
| Net loans and leases to core deposits | 35.4786% | 5,226 |
| Total domestic deposits to total assets | 60.1831% | 5,314 |
| Equity capital to assets | 35.3525% | 58 |
| Core capital (leverage) ratio | 35.5045% | 56 |
| Tier 1 risk-based capital ratio | 94.5301% | 43 |
| Total risk-based capital ratio | 94.9458% | 43 |
| Memoranda: | ||
| Average total assets | $152,380,800 | 3,357 |
| Average earning assets | $148,883,800 | 3,258 |
| Average equity | $53,909,800 | 1,428 |
| Average total loans | $25,460,200 | 4,924 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7704% | 5,363 |
| Cost of funding earning assets | 0.4632% | 3,437 |
| Net interest margin | 2.3072% | 5,348 |
| Noninterest income to average assets | 0.0158% | 5,401 |
| Noninterest expense to average assets | 1.9724% | 4,787 |
| Loan and lease loss provision to assets | 0.0088% | 3,807 |
| Net operating income to assets | 0.2775% | 5,124 |
| Return on assets (ROA) | 0.2775% | 5,117 |
| Pretax return on assets | 0.2889% | 5,146 |
| Return on Equity (ROE) | 0.7843% | 5,252 |
| Retained earnings to average equity (ytd only) | 0.7843% | 4,903 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8878% | 466 |
| Assets per employee ($millions) | 15.3052% | 95 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7530% | 4,749 |
| Loan loss allowance to noncurrent loans | 271.0145% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 0.0451% | 4,748 |
| Noncurrent loans to loans | 0.2778% | 3,690 |
| Net loans and leases to total assets | 16.1037% | 5,402 |
| Net loans and leases to deposits | 26.9046% | 5,368 |
| Net loans and leases to core deposits | 29.6948% | 5,348 |
| Total domestic deposits to total assets | 59.8548% | 5,396 |
| Equity capital to assets | 35.3017% | 54 |
| Core capital (leverage) ratio | 35.1087% | 56 |
| Tier 1 risk-based capital ratio | 103.6230% | 39 |
| Total risk-based capital ratio | 103.9819% | 39 |
| Memoranda: | ||
| Average total assets | $152,296,250 | 3,392 |
| Average earning assets | $148,807,000 | 3,285 |
| Average equity | $53,889,750 | 1,440 |
| Average total loans | $24,378,750 | 5,015 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7129% | 5,432 |
| Cost of funding earning assets | 0.4472% | 3,379 |
| Net interest margin | 2.2657% | 5,429 |
| Noninterest income to average assets | 0.0171% | 5,462 |
| Noninterest expense to average assets | 2.0323% | 4,744 |
| Loan and lease loss provision to assets | 0.0171% | 3,551 |
| Net operating income to assets | 0.2210% | 5,212 |
| Return on assets (ROA) | 0.2210% | 5,206 |
| Pretax return on assets | 0.1802% | 5,253 |
| Return on Equity (ROE) | 0.6240% | 5,299 |
| Retained earnings to average equity (ytd only) | 0.6240% | 4,838 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1504% | 329 |
| Assets per employee ($millions) | 15.3966% | 90 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7692% | 4,786 |
| Loan loss allowance to noncurrent loans | 131.0345% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 0.0942% | 4,543 |
| Noncurrent loans to loans | 0.5870% | 2,658 |
| Net loans and leases to total assets | 15.9197% | 5,467 |
| Net loans and leases to deposits | 26.4147% | 5,428 |
| Net loans and leases to core deposits | 28.9403% | 5,411 |
| Total domestic deposits to total assets | 60.2685% | 5,450 |
| Equity capital to assets | 35.0142% | 58 |
| Core capital (leverage) ratio | 35.3927% | 59 |
| Tier 1 risk-based capital ratio | 104.1526% | 41 |
| Total risk-based capital ratio | 104.5201% | 41 |
| Memoranda: | ||
| Average total assets | $152,044,330 | 3,405 |
| Average earning assets | $148,478,000 | 3,310 |
| Average equity | $53,843,000 | 1,444 |
| Average total loans | $24,227,000 | 5,081 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5819% | 5,517 |
| Cost of funding earning assets | 0.4529% | 3,186 |
| Net interest margin | 2.1290% | 5,521 |
| Noninterest income to average assets | 0.0212% | 5,532 |
| Noninterest expense to average assets | 1.8956% | 5,025 |
| Loan and lease loss provision to assets | 0.0106% | 3,387 |
| Net operating income to assets | 0.1324% | 5,306 |
| Return on assets (ROA) | 0.1324% | 5,301 |
| Pretax return on assets | 0.1933% | 5,268 |
| Return on Equity (ROE) | 0.3717% | 5,360 |
| Retained earnings to average equity (ytd only) | 0.3717% | 4,750 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2900% | 430 |
| Assets per employee ($millions) | 15.1521% | 96 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7402% | 4,942 |
| Loan loss allowance to noncurrent loans | 123.1293% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 0.0970% | 4,602 |
| Noncurrent loans to loans | 0.6011% | 2,742 |
| Net loans and leases to total assets | 16.0196% | 5,526 |
| Net loans and leases to deposits | 26.8023% | 5,482 |
| Net loans and leases to core deposits | 29.3969% | 5,467 |
| Total domestic deposits to total assets | 59.7693% | 5,520 |
| Equity capital to assets | 35.5152% | 56 |
| Core capital (leverage) ratio | 35.7170% | 55 |
| Tier 1 risk-based capital ratio | 103.6922% | 39 |
| Total risk-based capital ratio | 104.0414% | 39 |
| Memoranda: | ||
| Average total assets | $151,083,500 | 3,457 |
| Average earning assets | $147,487,000 | 3,368 |
| Average equity | $53,809,500 | 1,450 |
| Average total loans | $23,990,000 | 5,144 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2841% | 5,591 |
| Cost of funding earning assets | 0.4034% | 3,220 |
| Net interest margin | 1.8807% | 5,592 |
| Noninterest income to average assets | 0.0157% | 5,589 |
| Noninterest expense to average assets | 1.7780% | 5,257 |
| Loan and lease loss provision to assets | 0.0634% | 2,960 |
| Net operating income to assets | -0.5375% | 5,541 |
| Return on assets (ROA) | -0.5375% | 5,540 |
| Pretax return on assets | 0.0007% | 5,436 |
| Return on Equity (ROE) | -1.4994% | 5,442 |
| Retained earnings to average equity (ytd only) | -1.4994% | 5,226 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5211% | 243 |
| Assets per employee ($millions) | 12.5777% | 158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7524% | 4,946 |
| Loan loss allowance to noncurrent loans | 58.0328% | 4,330 |
| Noncurrent assets plus other real estate owned to assets | 0.2021% | 4,127 |
| Noncurrent loans to loans | 1.2964% | 1,350 |
| Net loans and leases to total assets | 15.4699% | 5,599 |
| Net loans and leases to deposits | 25.9858% | 5,553 |
| Net loans and leases to core deposits | 28.2669% | 5,546 |
| Total domestic deposits to total assets | 59.5321% | 5,588 |
| Equity capital to assets | 35.8387% | 53 |
| Core capital (leverage) ratio | 35.4724% | 52 |
| Tier 1 risk-based capital ratio | 105.2993% | 39 |
| Total risk-based capital ratio | 105.6445% | 39 |
| Memoranda: | ||
| Average total assets | $152,922,400 | 3,431 |
| Average earning assets | $148,505,600 | 3,342 |
| Average equity | $54,823,600 | 1,408 |
| Average total loans | $16,919,200 | 5,392 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2271% | 5,662 |
| Cost of funding earning assets | 0.4030% | 3,161 |
| Net interest margin | 1.8241% | 5,667 |
| Noninterest income to average assets | 0.0156% | 5,659 |
| Noninterest expense to average assets | 1.7372% | 5,332 |
| Loan and lease loss provision to assets | 0.0235% | 3,677 |
| Net operating income to assets | 0.0217% | 5,501 |
| Return on assets (ROA) | 0.0217% | 5,508 |
| Pretax return on assets | 0.0252% | 5,500 |
| Return on Equity (ROE) | 0.0606% | 5,514 |
| Retained earnings to average equity (ytd only) | 0.0606% | 5,194 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2749% | 219 |
| Assets per employee ($millions) | 12.8049% | 151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6404% | 5,252 |
| Loan loss allowance to noncurrent loans | 34.8387% | 4,862 |
| Noncurrent assets plus other real estate owned to assets | 0.2017% | 4,286 |
| Noncurrent loans to loans | 1.8382% | 961 |
| Net loans and leases to total assets | 10.9047% | 5,683 |
| Net loans and leases to deposits | 18.3328% | 5,668 |
| Net loans and leases to core deposits | 19.7255% | 5,660 |
| Total domestic deposits to total assets | 59.4817% | 5,656 |
| Equity capital to assets | 35.7851% | 53 |
| Core capital (leverage) ratio | 35.9077% | 51 |
| Tier 1 risk-based capital ratio | 124.1566% | 34 |
| Total risk-based capital ratio | 124.4011% | 34 |
| Memoranda: | ||
| Average total assets | $153,420,000 | 3,457 |
| Average earning assets | $148,890,500 | 3,368 |
| Average equity | $55,006,500 | 1,421 |
| Average total loans | $15,267,500 | 5,493 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1958% | 5,715 |
| Cost of funding earning assets | 0.4007% | 3,068 |
| Net interest margin | 1.7951% | 5,720 |
| Noninterest income to average assets | 0.0157% | 5,705 |
| Noninterest expense to average assets | 1.7451% | 5,373 |
| Loan and lease loss provision to assets | 0.0130% | 3,695 |
| Net operating income to assets | 0.0104% | 5,547 |
| Return on assets (ROA) | 0.0104% | 5,549 |
| Pretax return on assets | -0.0013% | 5,550 |
| Return on Equity (ROE) | 0.0291% | 5,554 |
| Retained earnings to average equity (ytd only) | 0.0291% | 5,065 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3318% | 196 |
| Assets per employee ($millions) | 13.8950% | 111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5821% | 5,409 |
| Loan loss allowance to noncurrent loans | 28.2132% | 4,996 |
| Noncurrent assets plus other real estate owned to assets | 0.2087% | 4,338 |
| Noncurrent loans to loans | 2.0633% | 809 |
| Net loans and leases to total assets | 10.0566% | 5,737 |
| Net loans and leases to deposits | 16.9626% | 5,724 |
| Net loans and leases to core deposits | 18.2436% | 5,718 |
| Total domestic deposits to total assets | 59.2869% | 5,704 |
| Equity capital to assets | 35.9855% | 50 |
| Core capital (leverage) ratio | 35.9111% | 50 |
| Tier 1 risk-based capital ratio | 117.6074% | 35 |
| Total risk-based capital ratio | 117.8005% | 35 |
| Memoranda: | ||
| Average total assets | $153,340,330 | 3,473 |
| Average earning assets | $148,735,670 | 3,389 |
| Average equity | $55,013,000 | 1,428 |
| Average total loans | $14,735,330 | 5,550 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1743% | 5,780 |
| Cost of funding earning assets | 0.4080% | 2,918 |
| Net interest margin | 1.7663% | 5,790 |
| Noninterest income to average assets | 0.0182% | 5,781 |
| Noninterest expense to average assets | 1.7449% | 5,433 |
| Loan and lease loss provision to assets | -0.0052% | 5,647 |
| Net operating income to assets | 0.0182% | 5,595 |
| Return on assets (ROA) | 0.0182% | 5,602 |
| Pretax return on assets | -0.0078% | 5,605 |
| Return on Equity (ROE) | 0.0509% | 5,606 |
| Retained earnings to average equity (ytd only) | 0.0509% | 4,901 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.7519% | 210 |
| Assets per employee ($millions) | 15.3320% | 81 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5398% | 5,559 |
| Loan loss allowance to noncurrent loans | 24.1486% | 5,137 |
| Noncurrent assets plus other real estate owned to assets | 0.2107% | 4,383 |
| Noncurrent loans to loans | 2.2354% | 747 |
| Net loans and leases to total assets | 9.3732% | 5,808 |
| Net loans and leases to deposits | 15.7788% | 5,792 |
| Net loans and leases to core deposits | 17.1000% | 5,787 |
| Total domestic deposits to total assets | 59.4039% | 5,773 |
| Equity capital to assets | 35.8864% | 54 |
| Core capital (leverage) ratio | 35.6320% | 57 |
| Tier 1 risk-based capital ratio | 117.8936% | 34 |
| Total risk-based capital ratio | 118.0614% | 34 |
| Memoranda: | ||
| Average total assets | $153,588,000 | 3,508 |
| Average earning assets | $149,015,500 | 3,412 |
| Average equity | $55,018,500 | 1,429 |
| Average total loans | $14,372,500 | 5,625 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0025% | 5,842 |
| Cost of funding earning assets | 0.4285% | 2,723 |
| Net interest margin | 1.5740% | 5,849 |
| Noninterest income to average assets | 0.0228% | 5,819 |
| Noninterest expense to average assets | 1.5742% | 5,669 |
| Loan and lease loss provision to assets | 0.0085% | 4,198 |
| Net operating income to assets | -0.0104% | 5,652 |
| Return on assets (ROA) | 0.0833% | 5,607 |
| Pretax return on assets | 0.0631% | 5,623 |
| Return on Equity (ROE) | 0.2326% | 5,643 |
| Retained earnings to average equity (ytd only) | 0.2326% | 5,222 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.4250% | 205 |
| Assets per employee ($millions) | 15.3856% | 80 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5596% | 5,593 |
| Loan loss allowance to noncurrent loans | 21.7391% | 5,217 |
| Noncurrent assets plus other real estate owned to assets | 0.2392% | 4,349 |
| Noncurrent loans to loans | 2.5741% | 598 |
| Net loans and leases to total assets | 9.2398% | 5,865 |
| Net loans and leases to deposits | 15.5105% | 5,856 |
| Net loans and leases to core deposits | 16.7418% | 5,851 |
| Total domestic deposits to total assets | 59.5713% | 5,828 |
| Equity capital to assets | 35.7581% | 56 |
| Core capital (leverage) ratio | 35.6708% | 53 |
| Tier 1 risk-based capital ratio | 121.5003% | 36 |
| Total risk-based capital ratio | 121.6776% | 36 |
| Memoranda: | ||
| Average total assets | $153,728,000 | 3,461 |
| Average earning assets | $149,365,400 | 3,377 |
| Average equity | $55,038,000 | 1,396 |
| Average total loans | $14,389,800 | 5,674 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9908% | 5,909 |
| Cost of funding earning assets | 0.4265% | 2,768 |
| Net interest margin | 1.5642% | 5,919 |
| Noninterest income to average assets | 0.0252% | 5,890 |
| Noninterest expense to average assets | 1.5415% | 5,730 |
| Loan and lease loss provision to assets | 0.0147% | 3,953 |
| Net operating income to assets | 0.0069% | 5,712 |
| Return on assets (ROA) | 0.1319% | 5,639 |
| Pretax return on assets | 0.1145% | 5,661 |
| Return on Equity (ROE) | 0.3682% | 5,714 |
| Retained earnings to average equity (ytd only) | 0.3682% | 5,259 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.7194% | 229 |
| Assets per employee ($millions) | 17.2512% | 59 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5692% | 5,642 |
| Loan loss allowance to noncurrent loans | 22.7882% | 5,285 |
| Noncurrent assets plus other real estate owned to assets | 0.2402% | 4,479 |
| Noncurrent loans to loans | 2.4977% | 704 |
| Net loans and leases to total assets | 9.5639% | 5,933 |
| Net loans and leases to deposits | 16.0492% | 5,920 |
| Net loans and leases to core deposits | 17.2904% | 5,915 |
| Total domestic deposits to total assets | 59.5913% | 5,893 |
| Equity capital to assets | 35.4803% | 54 |
| Core capital (leverage) ratio | 35.4093% | 54 |
| Tier 1 risk-based capital ratio | 120.2504% | 36 |
| Total risk-based capital ratio | 120.4369% | 37 |
| Memoranda: | ||
| Average total assets | $153,696,000 | 3,480 |
| Average earning assets | $149,419,750 | 3,394 |
| Average equity | $55,043,500 | 1,402 |
| Average total loans | $14,413,250 | 5,731 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9837% | 5,993 |
| Cost of funding earning assets | 0.4231% | 2,803 |
| Net interest margin | 1.5606% | 5,998 |
| Noninterest income to average assets | 0.0274% | 5,958 |
| Noninterest expense to average assets | 1.5081% | 5,829 |
| Loan and lease loss provision to assets | 0.0065% | 3,935 |
| Net operating income to assets | 0.0203% | 5,750 |
| Return on assets (ROA) | 0.1462% | 5,664 |
| Pretax return on assets | 0.2181% | 5,600 |
| Return on Equity (ROE) | 0.4071% | 5,758 |
| Retained earnings to average equity (ytd only) | 0.4071% | 5,179 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.6331% | 293 |
| Assets per employee ($millions) | 17.0479% | 61 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5109% | 5,789 |
| Loan loss allowance to noncurrent loans | 19.0476% | 5,421 |
| Noncurrent assets plus other real estate owned to assets | 0.2464% | 4,505 |
| Noncurrent loans to loans | 2.6822% | 610 |
| Net loans and leases to total assets | 9.1383% | 6,010 |
| Net loans and leases to deposits | 15.4452% | 6,000 |
| Net loans and leases to core deposits | 16.6449% | 5,993 |
| Total domestic deposits to total assets | 59.1660% | 5,976 |
| Equity capital to assets | 35.8754% | 53 |
| Core capital (leverage) ratio | 35.8262% | 52 |
| Tier 1 risk-based capital ratio | 121.3653% | 37 |
| Total risk-based capital ratio | 121.5248% | 37 |
| Memoranda: | ||
| Average total assets | $153,174,330 | 3,506 |
| Average earning assets | $148,914,330 | 3,417 |
| Average equity | $55,029,000 | 1,407 |
| Average total loans | $14,239,670 | 5,806 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0073% | 6,057 |
| Cost of funding earning assets | 0.4272% | 2,793 |
| Net interest margin | 1.5800% | 6,060 |
| Noninterest income to average assets | 0.0209% | 6,036 |
| Noninterest expense to average assets | 1.4924% | 5,917 |
| Loan and lease loss provision to assets | -0.0026% | 5,866 |
| Net operating income to assets | 0.0497% | 5,741 |
| Return on assets (ROA) | 0.3319% | 5,292 |
| Pretax return on assets | 0.4443% | 5,218 |
| Return on Equity (ROE) | 0.9233% | 5,707 |
| Retained earnings to average equity (ytd only) | 0.9233% | 4,869 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8054% | 400 |
| Assets per employee ($millions) | 16.9337% | 65 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4682% | 5,894 |
| Loan loss allowance to noncurrent loans | 17.3228% | 5,465 |
| Noncurrent assets plus other real estate owned to assets | 0.2500% | 4,557 |
| Noncurrent loans to loans | 2.7029% | 657 |
| Net loans and leases to total assets | 9.2059% | 6,073 |
| Net loans and leases to deposits | 15.6379% | 6,054 |
| Net loans and leases to core deposits | 16.8488% | 6,049 |
| Total domestic deposits to total assets | 58.8689% | 6,042 |
| Equity capital to assets | 36.1240% | 51 |
| Core capital (leverage) ratio | 35.8514% | 50 |
| Tier 1 risk-based capital ratio | 121.0896% | 37 |
| Total risk-based capital ratio | 121.2354% | 37 |
| Memoranda: | ||
| Average total assets | $153,046,000 | 3,538 |
| Average earning assets | $148,860,000 | 3,435 |
| Average equity | $55,021,500 | 1,404 |
| Average total loans | $14,313,000 | 5,863 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9170% | 6,103 |
| Cost of funding earning assets | 0.4137% | 3,013 |
| Net interest margin | 1.5033% | 6,110 |
| Noninterest income to average assets | 0.0175% | 6,071 |
| Noninterest expense to average assets | 1.5581% | 5,946 |
| Loan and lease loss provision to assets | -0.0039% | 5,605 |
| Net operating income to assets | -0.4372% | 6,029 |
| Return on assets (ROA) | -0.3659% | 6,016 |
| Pretax return on assets | 0.0337% | 5,867 |
| Return on Equity (ROE) | -1.0159% | 5,940 |
| Retained earnings to average equity (ytd only) | -1.0159% | 5,660 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.5263% | 190 |
| Assets per employee ($millions) | 17.0766% | 58 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4611% | 5,949 |
| Loan loss allowance to noncurrent loans | 17.4935% | 5,500 |
| Noncurrent assets plus other real estate owned to assets | 0.2492% | 4,594 |
| Noncurrent loans to loans | 2.6359% | 674 |
| Net loans and leases to total assets | 9.4106% | 6,134 |
| Net loans and leases to deposits | 15.8864% | 6,116 |
| Net loans and leases to core deposits | 17.2185% | 6,109 |
| Total domestic deposits to total assets | 59.2365% | 6,098 |
| Equity capital to assets | 35.7794% | 52 |
| Core capital (leverage) ratio | 35.4734% | 52 |
| Tier 1 risk-based capital ratio | 113.2833% | 39 |
| Total risk-based capital ratio | 113.4221% | 39 |
| Memoranda: | ||
| Average total assets | $154,419,600 | 3,503 |
| Average earning assets | $149,866,000 | 3,409 |
| Average equity | $55,615,200 | 1,345 |
| Average total loans | $15,627,000 | 5,876 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9233% | 6,195 |
| Cost of funding earning assets | 0.4099% | 3,124 |
| Net interest margin | 1.5134% | 6,205 |
| Noninterest income to average assets | 0.0164% | 6,159 |
| Noninterest expense to average assets | 1.4946% | 6,046 |
| Loan and lease loss provision to assets | -0.0060% | 5,804 |
| Net operating income to assets | -0.0026% | 5,940 |
| Return on assets (ROA) | 0.0983% | 5,886 |
| Pretax return on assets | 0.1440% | 5,850 |
| Return on Equity (ROE) | 0.2725% | 5,945 |
| Retained earnings to average equity (ytd only) | 0.2725% | 5,526 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.6973% | 285 |
| Assets per employee ($millions) | 17.1246% | 65 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4339% | 6,064 |
| Loan loss allowance to noncurrent loans | 32.6733% | 5,384 |
| Noncurrent assets plus other real estate owned to assets | 0.1311% | 5,226 |
| Noncurrent loans to loans | 1.3281% | 1,925 |
| Net loans and leases to total assets | 9.8260% | 6,216 |
| Net loans and leases to deposits | 16.7520% | 6,204 |
| Net loans and leases to core deposits | 18.0393% | 6,195 |
| Total domestic deposits to total assets | 58.6559% | 6,188 |
| Equity capital to assets | 36.1956% | 53 |
| Core capital (leverage) ratio | 35.6940% | 52 |
| Tier 1 risk-based capital ratio | 113.0624% | 40 |
| Total risk-based capital ratio | 113.1972% | 40 |
| Memoranda: | ||
| Average total assets | $154,602,250 | 3,532 |
| Average earning assets | $149,947,250 | 3,435 |
| Average equity | $55,771,750 | 1,350 |
| Average total loans | $15,901,250 | 5,944 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9058% | 6,271 |
| Cost of funding earning assets | 0.4052% | 3,221 |
| Net interest margin | 1.5007% | 6,281 |
| Noninterest income to average assets | 0.0155% | 6,237 |
| Noninterest expense to average assets | 1.5378% | 6,093 |
| Loan and lease loss provision to assets | 0.0103% | 3,901 |
| Net operating income to assets | -0.0505% | 6,025 |
| Return on assets (ROA) | 0.0918% | 5,929 |
| Pretax return on assets | 0.1447% | 5,887 |
| Return on Equity (ROE) | 0.2546% | 5,996 |
| Retained earnings to average equity (ytd only) | 0.2546% | 5,427 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.5694% | 242 |
| Assets per employee ($millions) | 17.1967% | 65 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5200% | 6,069 |
| Loan loss allowance to noncurrent loans | 39.5122% | 5,270 |
| Noncurrent assets plus other real estate owned to assets | 0.1325% | 5,324 |
| Noncurrent loans to loans | 1.3160% | 2,043 |
| Net loans and leases to total assets | 10.0123% | 6,291 |
| Net loans and leases to deposits | 17.0078% | 6,276 |
| Net loans and leases to core deposits | 18.2842% | 6,266 |
| Total domestic deposits to total assets | 58.8686% | 6,258 |
| Equity capital to assets | 36.0044% | 56 |
| Core capital (leverage) ratio | 35.5463% | 54 |
| Tier 1 risk-based capital ratio | 118.8389% | 39 |
| Total risk-based capital ratio | 119.0129% | 39 |
| Memoranda: | ||
| Average total assets | $154,762,670 | 3,555 |
| Average earning assets | $150,064,330 | 3,456 |
| Average equity | $55,767,330 | 1,357 |
| Average total loans | $16,131,670 | 6,001 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8715% | 6,347 |
| Cost of funding earning assets | 0.3999% | 3,308 |
| Net interest margin | 1.4716% | 6,350 |
| Noninterest income to average assets | 0.0155% | 6,300 |
| Noninterest expense to average assets | 1.5586% | 6,140 |
| Loan and lease loss provision to assets | 0.0181% | 3,485 |
| Net operating income to assets | -0.0892% | 6,094 |
| Return on assets (ROA) | 0.2042% | 5,765 |
| Pretax return on assets | 0.3102% | 5,626 |
| Return on Equity (ROE) | 0.5664% | 5,978 |
| Retained earnings to average equity (ytd only) | 0.5664% | 5,202 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.0645% | 213 |
| Assets per employee ($millions) | 17.2713% | 64 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4927% | 6,172 |
| Loan loss allowance to noncurrent loans | 1,142.8571% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 5,949 |
| Noncurrent loans to loans | 0.0431% | 5,611 |
| Net loans and leases to total assets | 10.3936% | 6,363 |
| Net loans and leases to deposits | 17.6154% | 6,330 |
| Net loans and leases to core deposits | 18.9087% | 6,316 |
| Total domestic deposits to total assets | 59.0027% | 6,330 |
| Equity capital to assets | 35.9021% | 58 |
| Core capital (leverage) ratio | 35.7254% | 56 |
| Tier 1 risk-based capital ratio | 119.2712% | 47 |
| Total risk-based capital ratio | 119.4437% | 48 |
| Memoranda: | ||
| Average total assets | $154,759,000 | 3,578 |
| Average earning assets | $150,043,000 | 3,468 |
| Average equity | $55,789,000 | 1,366 |
| Average total loans | $16,409,000 | 6,038 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9140% | 6,429 |
| Cost of funding earning assets | 0.3923% | 3,764 |
| Net interest margin | 1.5217% | 6,431 |
| Noninterest income to average assets | 0.0207% | 6,357 |
| Noninterest expense to average assets | 1.4290% | 6,339 |
| Loan and lease loss provision to assets | -0.0032% | 5,888 |
| Net operating income to assets | 0.0823% | 5,977 |
| Return on assets (ROA) | 0.0823% | 6,004 |
| Pretax return on assets | 0.0687% | 6,023 |
| Return on Equity (ROE) | 0.2281% | 6,084 |
| Retained earnings to average equity (ytd only) | 0.2281% | 5,675 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6182% | 516 |
| Assets per employee ($millions) | 17.1196% | 65 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4402% | 6,308 |
| 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 | 10.7148% | 6,451 |
| Net loans and leases to deposits | 18.2505% | 6,420 |
| Net loans and leases to core deposits | 19.6538% | 6,408 |
| Total domestic deposits to total assets | 58.7100% | 6,419 |
| Equity capital to assets | 36.1971% | 56 |
| Core capital (leverage) ratio | 35.9756% | 55 |
| Tier 1 risk-based capital ratio | 120.2997% | 39 |
| Total risk-based capital ratio | 120.4587% | 39 |
| Memoranda: | ||
| Average total assets | $154,238,200 | 3,569 |
| Average earning assets | $149,376,800 | 3,454 |
| Average equity | $55,683,000 | 1,310 |
| Average total loans | $18,102,200 | 6,040 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9201% | 6,507 |
| Cost of funding earning assets | 0.3890% | 3,912 |
| Net interest margin | 1.5311% | 6,510 |
| Noninterest income to average assets | 0.0207% | 6,438 |
| Noninterest expense to average assets | 1.4700% | 6,368 |
| Loan and lease loss provision to assets | -0.0026% | 6,062 |
| Net operating income to assets | 0.0588% | 6,073 |
| Return on assets (ROA) | 0.0588% | 6,103 |
| Pretax return on assets | 0.0363% | 6,121 |
| Return on Equity (ROE) | 0.1629% | 6,142 |
| Retained earnings to average equity (ytd only) | 0.1629% | 5,756 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7586% | 444 |
| Assets per employee ($millions) | 17.1936% | 58 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4251% | 6,390 |
| 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 | 11.3518% | 6,527 |
| Net loans and leases to deposits | 19.3416% | 6,493 |
| Net loans and leases to core deposits | 20.7732% | 6,482 |
| Total domestic deposits to total assets | 58.6912% | 6,499 |
| Equity capital to assets | 36.0006% | 54 |
| Core capital (leverage) ratio | 35.7814% | 56 |
| Tier 1 risk-based capital ratio | 119.9957% | 42 |
| Total risk-based capital ratio | 120.1587% | 42 |
| Memoranda: | ||
| Average total assets | $154,278,750 | 3,603 |
| Average earning assets | $149,433,500 | 3,479 |
| Average equity | $55,661,000 | 1,314 |
| Average total loans | $18,482,250 | 6,087 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9505% | 6,578 |
| Cost of funding earning assets | 0.3834% | 4,061 |
| Net interest margin | 1.5671% | 6,577 |
| Noninterest income to average assets | 0.0208% | 6,507 |
| Noninterest expense to average assets | 1.4949% | 6,426 |
| Loan and lease loss provision to assets | 0.0026% | 4,163 |
| Net operating income to assets | 0.0779% | 6,087 |
| Return on assets (ROA) | 0.0779% | 6,110 |
| Pretax return on assets | 0.0402% | 6,159 |
| Return on Equity (ROE) | 0.2157% | 6,185 |
| Retained earnings to average equity (ytd only) | 0.2157% | 5,627 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2152% | 500 |
| Assets per employee ($millions) | 17.0839% | 61 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4394% | 6,463 |
| 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 | 11.7902% | 6,590 |
| Net loans and leases to deposits | 20.1959% | 6,552 |
| Net loans and leases to core deposits | 21.6928% | 6,539 |
| Total domestic deposits to total assets | 58.3792% | 6,570 |
| Equity capital to assets | 36.2661% | 53 |
| Core capital (leverage) ratio | 36.0210% | 51 |
| Tier 1 risk-based capital ratio | 121.8436% | 40 |
| Total risk-based capital ratio | 122.0203% | 40 |
| Memoranda: | ||
| Average total assets | $154,124,330 | 3,619 |
| Average earning assets | $149,191,330 | 3,498 |
| Average equity | $55,645,330 | 1,305 |
| Average total loans | $18,762,670 | 6,129 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9604% | 6,651 |
| Cost of funding earning assets | 0.3803% | 4,194 |
| Net interest margin | 1.5801% | 6,650 |
| Noninterest income to average assets | 0.0207% | 6,565 |
| Noninterest expense to average assets | 1.5294% | 6,471 |
| Loan and lease loss provision to assets | -0.0026% | 6,369 |
| Net operating income to assets | 0.1011% | 6,029 |
| Return on assets (ROA) | 0.1011% | 6,059 |
| Pretax return on assets | 0.0233% | 6,188 |
| Return on Equity (ROE) | 0.2806% | 6,187 |
| Retained earnings to average equity (ytd only) | 0.2806% | 5,464 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6622% | 517 |
| Assets per employee ($millions) | 17.0934% | 61 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4066% | 6,560 |
| 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 | 12.2588% | 6,659 |
| Net loans and leases to deposits | 20.9614% | 6,611 |
| Net loans and leases to core deposits | 22.4978% | 6,597 |
| Total domestic deposits to total assets | 58.4825% | 6,644 |
| Equity capital to assets | 36.1568% | 55 |
| Core capital (leverage) ratio | 35.9595% | 56 |
| Tier 1 risk-based capital ratio | 113.5124% | 45 |
| Total risk-based capital ratio | 113.6709% | 45 |
| Memoranda: | ||
| Average total assets | $154,309,000 | 3,643 |
| Average earning assets | $149,357,500 | 3,520 |
| Average equity | $55,587,500 | 1,300 |
| Average total loans | $19,040,000 | 6,179 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8340% | 6,724 |
| Cost of funding earning assets | 0.3837% | 4,810 |
| Net interest margin | 1.4503% | 6,725 |
| Noninterest income to average assets | 0.0194% | 6,615 |
| Noninterest expense to average assets | 1.4112% | 6,624 |
| Loan and lease loss provision to assets | -0.0025% | 6,248 |
| Net operating income to assets | 0.0307% | 6,163 |
| Return on assets (ROA) | 0.0307% | 6,207 |
| Pretax return on assets | 0.0175% | 6,207 |
| Return on Equity (ROE) | 0.0877% | 6,239 |
| Retained earnings to average equity (ytd only) | 0.0877% | 5,813 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.9455% | 514 |
| Assets per employee ($millions) | 19.3471% | 49 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4074% | 6,631 |
| 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 | 12.3184% | 6,740 |
| Net loans and leases to deposits | 20.9493% | 6,697 |
| Net loans and leases to core deposits | 22.4485% | 6,687 |
| Total domestic deposits to total assets | 58.8007% | 6,717 |
| Equity capital to assets | 35.8910% | 55 |
| Core capital (leverage) ratio | 35.7082% | 53 |
| Tier 1 risk-based capital ratio | 110.0701% | 45 |
| Total risk-based capital ratio | 110.2259% | 45 |
| Memoranda: | ||
| Average total assets | $159,578,400 | 3,566 |
| Average earning assets | $154,796,600 | 3,419 |
| Average equity | $55,855,200 | 1,280 |
| Average total loans | $19,750,200 | 6,214 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8025% | 6,811 |
| Cost of funding earning assets | 0.3801% | 4,995 |
| Net interest margin | 1.4223% | 6,811 |
| Noninterest income to average assets | 0.0199% | 6,697 |
| Noninterest expense to average assets | 1.4396% | 6,669 |
| Loan and lease loss provision to assets | -0.0017% | 6,444 |
| Net operating income to assets | -0.0075% | 6,306 |
| Return on assets (ROA) | -0.0075% | 6,353 |
| Pretax return on assets | -0.0373% | 6,351 |
| Return on Equity (ROE) | -0.0215% | 6,350 |
| Retained earnings to average equity (ytd only) | -0.0215% | 5,944 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.7827% | 383 |
| Assets per employee ($millions) | 19.4879% | 55 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4081% | 6,715 |
| 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 | 12.5232% | 6,819 |
| Net loans and leases to deposits | 21.2789% | 6,778 |
| Net loans and leases to core deposits | 22.7685% | 6,769 |
| Total domestic deposits to total assets | 58.8526% | 6,793 |
| Equity capital to assets | 35.6369% | 51 |
| Core capital (leverage) ratio | 35.4277% | 48 |
| Tier 1 risk-based capital ratio | 108.9639% | 45 |
| Total risk-based capital ratio | 109.1222% | 45 |
| Memoranda: | ||
| Average total assets | $160,778,750 | 3,586 |
| Average earning assets | $156,078,500 | 3,438 |
| Average equity | $55,931,250 | 1,287 |
| Average total loans | $19,901,750 | 6,273 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7657% | 6,861 |
| Cost of funding earning assets | 0.3793% | 5,147 |
| Net interest margin | 1.3864% | 6,866 |
| Noninterest income to average assets | 0.0172% | 6,750 |
| Noninterest expense to average assets | 1.4938% | 6,678 |
| Loan and lease loss provision to assets | 0.0012% | 4,772 |
| Net operating income to assets | -0.0603% | 6,366 |
| Return on assets (ROA) | -0.0603% | 6,415 |
| Pretax return on assets | -0.1318% | 6,453 |
| Return on Equity (ROE) | -0.1748% | 6,378 |
| Retained earnings to average equity (ytd only) | -0.1748% | 5,885 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.5754% | 284 |
| Assets per employee ($millions) | 20.3130% | 51 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4215% | 6,757 |
| Loan loss allowance to noncurrent loans | 345.8333% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 0.0148% | 6,505 |
| Noncurrent loans to loans | 0.1219% | 6,022 |
| Net loans and leases to total assets | 12.0662% | 6,868 |
| Net loans and leases to deposits | 19.9585% | 6,837 |
| Net loans and leases to core deposits | 21.3015% | 6,831 |
| Total domestic deposits to total assets | 60.4564% | 6,834 |
| Equity capital to assets | 34.1807% | 54 |
| Core capital (leverage) ratio | 33.9645% | 52 |
| Tier 1 risk-based capital ratio | 109.6270% | 43 |
| Total risk-based capital ratio | 109.7924% | 43 |
| Memoranda: | ||
| Average total assets | $162,404,000 | 3,574 |
| Average earning assets | $157,671,000 | 3,436 |
| Average equity | $56,055,330 | 1,286 |
| Average total loans | $20,001,000 | 6,304 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7528% | 6,943 |
| Cost of funding earning assets | 0.3881% | 5,213 |
| Net interest margin | 1.3647% | 6,947 |
| Noninterest income to average assets | 0.0148% | 6,820 |
| Noninterest expense to average assets | 1.6014% | 6,667 |
| Loan and lease loss provision to assets | -0.0049% | 6,726 |
| Net operating income to assets | -0.1404% | 6,479 |
| Return on assets (ROA) | -0.1404% | 6,523 |
| Pretax return on assets | -0.2562% | 6,575 |
| Return on Equity (ROE) | -0.4049% | 6,457 |
| Retained earnings to average equity (ytd only) | -0.4049% | 5,860 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.4853% | 222 |
| Assets per employee ($millions) | 18.0536% | 64 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4024% | 6,851 |
| 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 | 12.1866% | 6,944 |
| Net loans and leases to deposits | 20.3241% | 6,902 |
| Net loans and leases to core deposits | 21.6874% | 6,891 |
| Total domestic deposits to total assets | 59.9611% | 6,914 |
| Equity capital to assets | 34.6291% | 54 |
| Core capital (leverage) ratio | 34.1178% | 52 |
| Tier 1 risk-based capital ratio | 122.9299% | 40 |
| Total risk-based capital ratio | 123.1087% | 40 |
| Memoranda: | ||
| Average total assets | $162,354,000 | 3,610 |
| Average earning assets | $157,691,500 | 3,476 |
| Average equity | $56,310,500 | 1,298 |
| Average total loans | $20,156,000 | 6,349 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0256% | 6,986 |
| Cost of funding earning assets | 0.4359% | 5,676 |
| Net interest margin | 1.5896% | 6,986 |
| Noninterest income to average assets | 0.0178% | 6,781 |
| Noninterest expense to average assets | 1.5146% | 6,863 |
| Loan and lease loss provision to assets | 0.0135% | 5,743 |
| Net operating income to assets | 0.0271% | 6,125 |
| Return on assets (ROA) | 0.2467% | 5,845 |
| Pretax return on assets | 0.3117% | 5,799 |
| Return on Equity (ROE) | 0.7153% | 6,183 |
| Retained earnings to average equity (ytd only) | 0.7153% | 5,512 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9745% | 664 |
| Assets per employee ($millions) | 16.2226% | 79 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4014% | 6,896 |
| 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 | 12.5436% | 7,000 |
| Net loans and leases to deposits | 20.9320% | 6,963 |
| Net loans and leases to core deposits | 22.3145% | 6,958 |
| Total domestic deposits to total assets | 59.9257% | 6,971 |
| Equity capital to assets | 34.7386% | 53 |
| Core capital (leverage) ratio | 33.9415% | 51 |
| Tier 1 risk-based capital ratio | 133.9610% | 40 |
| Total risk-based capital ratio | 134.1605% | 39 |
| Memoranda: | ||
| Average total assets | $162,951,800 | 3,570 |
| Average earning assets | $158,275,400 | 3,399 |
| Average equity | $56,200,600 | 1,264 |
| Average total loans | $20,557,800 | 6,398 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0833% | 7,096 |
| Cost of funding earning assets | 0.4527% | 5,772 |
| Net interest margin | 1.6306% | 7,097 |
| Noninterest income to average assets | 0.0188% | 6,888 |
| Noninterest expense to average assets | 1.5545% | 6,910 |
| Loan and lease loss provision to assets | -0.0025% | 6,940 |
| Net operating income to assets | 0.0414% | 6,217 |
| Return on assets (ROA) | 0.3302% | 5,713 |
| Pretax return on assets | 0.4209% | 5,670 |
| Return on Equity (ROE) | 0.9591% | 6,256 |
| Retained earnings to average equity (ytd only) | 0.9591% | 5,785 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9913% | 637 |
| Assets per employee ($millions) | 16.2378% | 73 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2712% | 7,063 |
| Loan loss allowance to noncurrent loans | 150.0000% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 0.0234% | 6,711 |
| Noncurrent loans to loans | 0.1808% | 6,158 |
| Net loans and leases to total assets | 12.9069% | 7,099 |
| Net loans and leases to deposits | 21.6347% | 7,060 |
| Net loans and leases to core deposits | 23.0503% | 7,055 |
| Total domestic deposits to total assets | 59.6583% | 7,068 |
| Equity capital to assets | 34.7276% | 53 |
| Core capital (leverage) ratio | 33.9116% | 53 |
| Tier 1 risk-based capital ratio | 136.1647% | 42 |
| Total risk-based capital ratio | 136.3056% | 43 |
| Memoranda: | ||
| Average total assets | $163,133,250 | 3,599 |
| Average earning assets | $158,465,500 | 3,440 |
| Average equity | $56,162,000 | 1,276 |
| Average total loans | $20,589,500 | 6,485 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2035% | 7,162 |
| Cost of funding earning assets | 0.4778% | 5,775 |
| Net interest margin | 1.7257% | 7,159 |
| Noninterest income to average assets | 0.0196% | 6,946 |
| Noninterest expense to average assets | 1.5705% | 6,957 |
| Loan and lease loss provision to assets | -0.0037% | 7,019 |
| Net operating income to assets | 0.0995% | 6,160 |
| Return on assets (ROA) | 0.5153% | 5,009 |
| Pretax return on assets | 0.6830% | 4,877 |
| Return on Equity (ROE) | 1.5013% | 6,192 |
| Retained earnings to average equity (ytd only) | 1.5013% | 5,451 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6354% | 885 |
| Assets per employee ($millions) | 16.3461% | 69 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2880% | 7,124 |
| Loan loss allowance to noncurrent loans | 148.7179% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 0.0239% | 6,772 |
| Noncurrent loans to loans | 0.1937% | 6,199 |
| Net loans and leases to total assets | 12.2849% | 7,167 |
| Net loans and leases to deposits | 20.4464% | 7,130 |
| Net loans and leases to core deposits | 21.8118% | 7,127 |
| Total domestic deposits to total assets | 60.0834% | 7,133 |
| Equity capital to assets | 34.3874% | 52 |
| Core capital (leverage) ratio | 33.6973% | 53 |
| Tier 1 risk-based capital ratio | 155.5242% | 34 |
| Total risk-based capital ratio | 155.6879% | 34 |
| Memoranda: | ||
| Average total assets | $163,385,000 | 3,607 |
| Average earning assets | $158,657,330 | 3,452 |
| Average equity | $56,086,000 | 1,267 |
| Average total loans | $20,447,670 | 6,545 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3663% | 7,200 |
| Cost of funding earning assets | 0.5247% | 5,645 |
| Net interest margin | 1.8416% | 7,196 |
| Noninterest income to average assets | 0.0171% | 7,055 |
| Noninterest expense to average assets | 1.5795% | 6,996 |
| Loan and lease loss provision to assets | 0.0024% | 5,236 |
| Net operating income to assets | 0.1673% | 6,071 |
| Return on assets (ROA) | 0.9771% | 2,773 |
| Pretax return on assets | 1.3321% | 2,417 |
| Return on Equity (ROE) | 2.8488% | 5,770 |
| Retained earnings to average equity (ytd only) | 2.8488% | 4,822 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5170% | 1,335 |
| Assets per employee ($millions) | 16.3278% | 74 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2995% | 7,178 |
| Loan loss allowance to noncurrent loans | 124.4898% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 0.0300% | 6,831 |
| Noncurrent loans to loans | 0.2406% | 6,211 |
| Net loans and leases to total assets | 12.4365% | 7,222 |
| Net loans and leases to deposits | 20.6913% | 7,184 |
| Net loans and leases to core deposits | 22.1916% | 7,177 |
| Total domestic deposits to total assets | 60.1049% | 7,196 |
| Equity capital to assets | 34.3782% | 48 |
| Core capital (leverage) ratio | 33.9441% | 46 |
| Tier 1 risk-based capital ratio | 131.3556% | 38 |
| Total risk-based capital ratio | 131.5011% | 38 |
| Memoranda: | ||
| Average total assets | $163,347,000 | 3,633 |
| Average earning assets | $158,557,000 | 3,460 |
| Average equity | $56,024,000 | 1,270 |
| Average total loans | $20,602,000 | 6,588 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7928% | 7,228 |
| Cost of funding earning assets | 0.6027% | 6,079 |
| Net interest margin | 2.1900% | 7,181 |
| Noninterest income to average assets | 1.0831% | 1,135 |
| Noninterest expense to average assets | 2.0642% | 6,556 |
| Loan and lease loss provision to assets | -0.0063% | 7,213 |
| Net operating income to assets | 0.7327% | 3,326 |
| Return on assets (ROA) | 0.7327% | 3,502 |
| Pretax return on assets | 1.1492% | 2,653 |
| Return on Equity (ROE) | 2.3206% | 5,538 |
| Retained earnings to average equity (ytd only) | 2.3206% | 4,563 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3631% | 5,062 |
| Assets per employee ($millions) | 14.8560% | 90 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2879% | 7,227 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 12.7142% | 7,274 |
| Net loans and leases to deposits | 21.0833% | 7,243 |
| Net loans and leases to core deposits | 22.6006% | 7,229 |
| Total domestic deposits to total assets | 60.3044% | 7,221 |
| Equity capital to assets | 34.2170% | 51 |
| Core capital (leverage) ratio | 33.7074% | 54 |
| Tier 1 risk-based capital ratio | 88.2852% | 54 |
| Total risk-based capital ratio | 88.3821% | 54 |
| Memoranda: | ||
| Average total assets | $175,519,400 | 3,401 |
| Average earning assets | $170,225,000 | 3,244 |
| Average equity | $55,417,400 | 1,225 |
| Average total loans | $22,284,000 | 6,539 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8354% | 7,299 |
| Cost of funding earning assets | 0.6199% | 6,185 |
| Net interest margin | 2.2155% | 7,254 |
| Noninterest income to average assets | 1.4136% | 658 |
| Noninterest expense to average assets | 1.8258% | 6,955 |
| Loan and lease loss provision to assets | -0.0052% | 7,292 |
| Net operating income to assets | 1.1657% | 1,761 |
| Return on assets (ROA) | 1.1657% | 1,874 |
| Pretax return on assets | 1.7414% | 1,058 |
| Return on Equity (ROE) | 3.7641% | 5,100 |
| Retained earnings to average equity (ytd only) | 3.7641% | 4,067 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2579% | 6,748 |
| Assets per employee ($millions) | 16.3975% | 76 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2939% | 7,290 |
| Loan loss allowance to noncurrent loans | 237.0370% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 0.0165% | 7,025 |
| Noncurrent loans to loans | 0.1240% | 6,627 |
| Net loans and leases to total assets | 13.2404% | 7,347 |
| Net loans and leases to deposits | 22.0452% | 7,307 |
| Net loans and leases to core deposits | 23.6529% | 7,297 |
| Total domestic deposits to total assets | 60.0604% | 7,299 |
| Equity capital to assets | 34.3455% | 59 |
| Core capital (leverage) ratio | 33.7870% | 61 |
| Tier 1 risk-based capital ratio | 102.3284% | 55 |
| Total risk-based capital ratio | 102.4476% | 55 |
| Memoranda: | ||
| Average total assets | $178,545,250 | 3,370 |
| Average earning assets | $173,142,750 | 3,195 |
| Average equity | $55,292,750 | 1,224 |
| Average total loans | $22,645,750 | 6,593 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8358% | 7,382 |
| Cost of funding earning assets | 0.6198% | 6,366 |
| Net interest margin | 2.2160% | 7,310 |
| Noninterest income to average assets | 0.0338% | 7,104 |
| Noninterest expense to average assets | 1.7492% | 7,136 |
| Loan and lease loss provision to assets | -0.0055% | 7,361 |
| Net operating income to assets | 0.3141% | 5,310 |
| Return on assets (ROA) | 0.3141% | 5,453 |
| Pretax return on assets | 0.4384% | 5,270 |
| Return on Equity (ROE) | 1.0482% | 6,072 |
| Retained earnings to average equity (ytd only) | 1.0482% | 5,443 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1599% | 2,368 |
| Assets per employee ($millions) | 12.1260% | 144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2973% | 7,350 |
| 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 | 12.1705% | 7,430 |
| Net loans and leases to deposits | 18.8005% | 7,414 |
| Net loans and leases to core deposits | 20.0453% | 7,405 |
| Total domestic deposits to total assets | 64.7353% | 7,296 |
| Equity capital to assets | 30.2491% | 81 |
| Core capital (leverage) ratio | 29.7244% | 84 |
| Tier 1 risk-based capital ratio | 101.3734% | 53 |
| Total risk-based capital ratio | 101.4981% | 54 |
| Memoranda: | ||
| Average total assets | $183,402,000 | 3,321 |
| Average earning assets | $177,800,330 | 3,165 |
| Average equity | $54,951,000 | 1,224 |
| Average total loans | $22,936,000 | 6,640 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8445% | 7,434 |
| Cost of funding earning assets | 0.6276% | 6,482 |
| Net interest margin | 2.2169% | 7,349 |
| Noninterest income to average assets | 0.0348% | 7,202 |
| Noninterest expense to average assets | 1.7485% | 7,191 |
| Loan and lease loss provision to assets | -0.0065% | 7,442 |
| Net operating income to assets | 0.3280% | 5,277 |
| Return on assets (ROA) | 0.3280% | 5,353 |
| Pretax return on assets | 0.4409% | 5,217 |
| Return on Equity (ROE) | 1.0999% | 6,104 |
| Retained earnings to average equity (ytd only) | 1.0999% | 5,388 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0995% | 2,511 |
| Assets per employee ($millions) | 12.2908% | 144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2969% | 7,406 |
| 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 | 12.3881% | 7,487 |
| Net loans and leases to deposits | 18.9600% | 7,474 |
| Net loans and leases to core deposits | 20.1785% | 7,461 |
| Total domestic deposits to total assets | 65.3383% | 7,345 |
| Equity capital to assets | 29.7388% | 79 |
| Core capital (leverage) ratio | 29.2390% | 81 |
| Tier 1 risk-based capital ratio | 90.5668% | 59 |
| Total risk-based capital ratio | 90.6819% | 59 |
| Memoranda: | ||
| Average total assets | $184,158,000 | 3,336 |
| Average earning assets | $178,449,500 | 3,178 |
| Average equity | $54,916,500 | 1,213 |
| Average total loans | $23,302,500 | 6,680 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3083% | 7,442 |
| Cost of funding earning assets | 0.7997% | 6,573 |
| Net interest margin | 2.5086% | 7,264 |
| Noninterest income to average assets | 0.0323% | 7,188 |
| Noninterest expense to average assets | 1.8853% | 7,176 |
| Loan and lease loss provision to assets | -0.0033% | 7,565 |
| Net operating income to assets | 0.3957% | 4,560 |
| Return on assets (ROA) | 0.6055% | 3,811 |
| Pretax return on assets | 0.8915% | 3,322 |
| Return on Equity (ROE) | 2.0234% | 5,368 |
| Retained earnings to average equity (ytd only) | 2.0234% | 4,455 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4810% | 2,969 |
| Assets per employee ($millions) | 12.2636% | 145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2996% | 7,485 |
| 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 | 12.8440% | 7,576 |
| Net loans and leases to deposits | 19.7002% | 7,559 |
| Net loans and leases to core deposits | 20.9600% | 7,545 |
| Total domestic deposits to total assets | 65.1973% | 7,414 |
| Equity capital to assets | 29.9020% | 81 |
| Core capital (leverage) ratio | 28.8508% | 90 |
| Tier 1 risk-based capital ratio | 81.8291% | 61 |
| Total risk-based capital ratio | 83.8542% | 61 |
| Memoranda: | ||
| Average total assets | $182,836,800 | 3,332 |
| Average earning assets | $177,312,200 | 3,156 |
| Average equity | $54,710,600 | 1,222 |
| Average total loans | $24,336,400 | 6,711 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4197% | 7,554 |
| Cost of funding earning assets | 0.8355% | 6,635 |
| Net interest margin | 2.5842% | 7,325 |
| Noninterest income to average assets | 0.0358% | 7,343 |
| Noninterest expense to average assets | 1.9201% | 7,173 |
| Loan and lease loss provision to assets | -0.0007% | 7,669 |
| Net operating income to assets | 0.4215% | 4,654 |
| Return on assets (ROA) | 0.7011% | 3,564 |
| Pretax return on assets | 1.0349% | 3,053 |
| Return on Equity (ROE) | 2.3427% | 5,479 |
| Retained earnings to average equity (ytd only) | 2.3427% | 4,764 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5026% | 3,041 |
| Assets per employee ($millions) | 12.3342% | 158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3120% | 7,587 |
| Loan loss allowance to noncurrent loans | 271.4286% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.0151% | 7,329 |
| Noncurrent loans to loans | 0.1149% | 6,954 |
| Net loans and leases to total assets | 13.1256% | 7,674 |
| Net loans and leases to deposits | 20.1792% | 7,664 |
| Net loans and leases to core deposits | 21.5023% | 7,650 |
| Total domestic deposits to total assets | 65.0452% | 7,492 |
| Equity capital to assets | 29.9503% | 87 |
| Core capital (leverage) ratio | 28.5453% | 92 |
| Tier 1 risk-based capital ratio | 92.3612% | 61 |
| Total risk-based capital ratio | 95.4171% | 61 |
| Memoranda: | ||
| Average total assets | $182,557,500 | 3,388 |
| Average earning assets | $177,124,250 | 3,202 |
| Average equity | $54,636,750 | 1,224 |
| Average total loans | $24,496,000 | 6,792 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5449% | 7,598 |
| Cost of funding earning assets | 0.8672% | 6,703 |
| Net interest margin | 2.6777% | 7,278 |
| Noninterest income to average assets | 0.0429% | 7,365 |
| Noninterest expense to average assets | 1.9666% | 7,160 |
| Loan and lease loss provision to assets | -0.0033% | 7,736 |
| Net operating income to assets | 0.5014% | 4,323 |
| Return on assets (ROA) | 0.5128% | 4,421 |
| Pretax return on assets | 0.6911% | 4,271 |
| Return on Equity (ROE) | 1.7139% | 5,726 |
| Retained earnings to average equity (ytd only) | 1.7139% | 5,016 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5204% | 3,364 |
| Assets per employee ($millions) | 12.2875% | 152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3054% | 7,663 |
| Loan loss allowance to noncurrent loans | 1,480.0000% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 7,423 |
| Noncurrent loans to loans | 0.0206% | 7,273 |
| Net loans and leases to total assets | 13.1065% | 7,741 |
| Net loans and leases to deposits | 20.0755% | 7,730 |
| Net loans and leases to core deposits | 21.3247% | 7,720 |
| Total domestic deposits to total assets | 65.2862% | 7,555 |
| Equity capital to assets | 29.7678% | 87 |
| Core capital (leverage) ratio | 28.3882% | 93 |
| Tier 1 risk-based capital ratio | 88.8756% | 60 |
| Total risk-based capital ratio | 91.7715% | 59 |
| Memoranda: | ||
| Average total assets | $181,739,000 | 3,419 |
| Average earning assets | $176,199,000 | 3,239 |
| Average equity | $54,378,330 | 1,221 |
| Average total loans | $24,541,330 | 6,832 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6665% | 7,648 |
| Cost of funding earning assets | 0.8817% | 6,837 |
| Net interest margin | 2.7848% | 7,199 |
| Noninterest income to average assets | 0.0621% | 7,408 |
| Noninterest expense to average assets | 1.9551% | 7,243 |
| Loan and lease loss provision to assets | -0.0022% | 7,827 |
| Net operating income to assets | 0.6140% | 3,840 |
| Return on assets (ROA) | 0.6140% | 3,983 |
| Pretax return on assets | 0.8046% | 3,847 |
| Return on Equity (ROE) | 2.0468% | 5,743 |
| Retained earnings to average equity (ytd only) | 2.0468% | 4,900 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9003% | 4,134 |
| Assets per employee ($millions) | 12.0225% | 172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3105% | 7,748 |
| Loan loss allowance to noncurrent loans | 82.6087% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 0.0510% | 7,359 |
| Noncurrent loans to loans | 0.3759% | 6,537 |
| Net loans and leases to total assets | 13.5296% | 7,842 |
| Net loans and leases to deposits | 20.8713% | 7,827 |
| Net loans and leases to core deposits | 22.1876% | 7,816 |
| Total domestic deposits to total assets | 64.8238% | 7,651 |
| Equity capital to assets | 30.1190% | 82 |
| Core capital (leverage) ratio | 28.9569% | 91 |
| Tier 1 risk-based capital ratio | 81.6643% | 65 |
| Total risk-based capital ratio | 83.8948% | 63 |
| Memoranda: | ||
| Average total assets | $180,452,000 | 3,494 |
| Average earning assets | $174,663,500 | 3,326 |
| Average equity | $54,134,500 | 1,230 |
| Average total loans | $24,696,500 | 6,900 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3039% | 7,558 |
| Cost of funding earning assets | 1.0694% | 7,058 |
| Net interest margin | 3.2345% | 5,973 |
| Noninterest income to average assets | 0.0252% | 7,608 |
| Noninterest expense to average assets | 2.3445% | 6,617 |
| Loan and lease loss provision to assets | -0.0034% | 7,952 |
| Net operating income to assets | 0.5828% | 3,391 |
| Return on assets (ROA) | 0.5828% | 3,466 |
| Pretax return on assets | 0.7981% | 3,246 |
| Return on Equity (ROE) | 1.9627% | 4,924 |
| Retained earnings to average equity (ytd only) | 1.9627% | 3,729 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6838% | 3,763 |
| Assets per employee ($millions) | 11.2854% | 200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3090% | 7,824 |
| Loan loss allowance to noncurrent loans | 116.6667% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 0.0366% | 7,426 |
| Noncurrent loans to loans | 0.2649% | 6,765 |
| Net loans and leases to total assets | 13.7573% | 7,915 |
| Net loans and leases to deposits | 21.1141% | 7,903 |
| Net loans and leases to core deposits | 24.8831% | 7,896 |
| Total domestic deposits to total assets | 65.1568% | 7,671 |
| Equity capital to assets | 29.8799% | 104 |
| Core capital (leverage) ratio | 28.7723% | 111 |
| Tier 1 risk-based capital ratio | 74.4935% | 80 |
| Total risk-based capital ratio | 76.4467% | 78 |
| Memoranda: | ||
| Average total assets | $178,803,600 | 3,459 |
| Average earning assets | $172,146,400 | 3,320 |
| Average equity | $53,089,000 | 1,246 |
| Average total loans | $25,951,200 | 6,855 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4264% | 7,585 |
| Cost of funding earning assets | 1.0946% | 7,185 |
| Net interest margin | 3.3319% | 5,521 |
| Noninterest income to average assets | 0.0254% | 7,749 |
| Noninterest expense to average assets | 1.9092% | 7,533 |
| Loan and lease loss provision to assets | -0.0015% | 8,035 |
| Net operating income to assets | 0.9052% | 2,406 |
| Return on assets (ROA) | 0.9052% | 2,475 |
| Pretax return on assets | 1.3216% | 1,904 |
| Return on Equity (ROE) | 3.0538% | 4,769 |
| Retained earnings to average equity (ytd only) | 3.0538% | 3,619 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1204% | 6,544 |
| Assets per employee ($millions) | 11.3163% | 204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3175% | 7,896 |
| Loan loss allowance to noncurrent loans | 324.0000% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.0138% | 7,558 |
| Noncurrent loans to loans | 0.0980% | 7,237 |
| Net loans and leases to total assets | 14.0445% | 7,999 |
| Net loans and leases to deposits | 21.6792% | 7,985 |
| Net loans and leases to core deposits | 25.5465% | 7,969 |
| Total domestic deposits to total assets | 64.7835% | 7,737 |
| Equity capital to assets | 30.1403% | 116 |
| Core capital (leverage) ratio | 28.7408% | 132 |
| Tier 1 risk-based capital ratio | 69.8868% | 91 |
| Total risk-based capital ratio | 72.1896% | 87 |
| Memoranda: | ||
| Average total assets | $178,363,000 | 3,491 |
| Average earning assets | $171,510,500 | 3,354 |
| Average equity | $52,873,000 | 1,267 |
| Average total loans | $26,209,500 | 6,905 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5970% | 7,538 |
| Cost of funding earning assets | 1.1095% | 7,358 |
| Net interest margin | 3.4874% | 4,855 |
| Noninterest income to average assets | 0.0270% | 7,847 |
| Noninterest expense to average assets | 1.9373% | 7,575 |
| Loan and lease loss provision to assets | -0.0023% | 8,135 |
| Net operating income to assets | 0.9861% | 2,159 |
| Return on assets (ROA) | 0.9861% | 2,256 |
| Pretax return on assets | 1.4324% | 1,641 |
| Return on Equity (ROE) | 3.3457% | 4,771 |
| Retained earnings to average equity (ytd only) | 3.3457% | 3,467 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5301% | 6,938 |
| Assets per employee ($millions) | 11.2784% | 196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3118% | 7,980 |
| 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 | 14.3527% | 8,083 |
| Net loans and leases to deposits | 22.0043% | 8,068 |
| Net loans and leases to core deposits | 25.9592% | 8,055 |
| Total domestic deposits to total assets | 65.2266% | 7,776 |
| Equity capital to assets | 29.5798% | 141 |
| Core capital (leverage) ratio | 28.7395% | 151 |
| Tier 1 risk-based capital ratio | 65.2417% | 114 |
| Total risk-based capital ratio | 66.5644% | 112 |
| Memoranda: | ||
| Average total assets | $177,464,000 | 3,518 |
| Average earning assets | $169,981,000 | 3,392 |
| Average equity | $52,306,670 | 1,299 |
| Average total loans | $26,442,670 | 6,943 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8490% | 7,290 |
| Cost of funding earning assets | 1.1144% | 7,496 |
| Net interest margin | 3.7346% | 3,738 |
| Noninterest income to average assets | 0.0273% | 7,944 |
| Noninterest expense to average assets | 1.8412% | 7,645 |
| Loan and lease loss provision to assets | -0.0023% | 8,165 |
| Net operating income to assets | 1.1775% | 1,721 |
| Return on assets (ROA) | 1.1775% | 1,830 |
| Pretax return on assets | 1.7458% | 1,086 |
| Return on Equity (ROE) | 4.0022% | 4,936 |
| Retained earnings to average equity (ytd only) | 4.0022% | 3,675 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3633% | 7,477 |
| Assets per employee ($millions) | 11.1286% | 201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3103% | 8,022 |
| 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 | 14.7941% | 8,131 |
| Net loans and leases to deposits | 22.4813% | 8,120 |
| Net loans and leases to core deposits | 26.4832% | 8,109 |
| Total domestic deposits to total assets | 65.8065% | 7,744 |
| Equity capital to assets | 29.1491% | 154 |
| Core capital (leverage) ratio | 29.1028% | 162 |
| Tier 1 risk-based capital ratio | 64.8076% | 124 |
| Total risk-based capital ratio | 64.9103% | 128 |
| Memoranda: | ||
| Average total assets | $175,969,000 | 3,563 |
| Average earning assets | $167,620,500 | 3,458 |
| Average equity | $51,771,000 | 1,321 |
| Average total loans | $26,673,500 | 6,963 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2710% | 7,630 |
| Cost of funding earning assets | 1.4969% | 7,619 |
| Net interest margin | 3.7741% | 4,123 |
| Noninterest income to average assets | 0.0509% | 7,886 |
| Noninterest expense to average assets | 2.0161% | 7,410 |
| Loan and lease loss provision to assets | -0.0062% | 8,198 |
| Net operating income to assets | 1.1647% | 1,893 |
| Return on assets (ROA) | -0.9482% | 7,140 |
| Pretax return on assets | -1.6320% | 7,311 |
| Return on Equity (ROE) | -3.1887% | 6,646 |
| Retained earnings to average equity (ytd only) | -3.1887% | 6,151 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7941% | 7,174 |
| Assets per employee ($millions) | 10.2283% | 241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3083% | 8,078 |
| 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 | 15.4358% | 8,184 |
| Net loans and leases to deposits | 23.6728% | 8,174 |
| Net loans and leases to core deposits | 27.4645% | 8,168 |
| Total domestic deposits to total assets | 65.2049% | 7,708 |
| Equity capital to assets | 29.6985% | 178 |
| Core capital (leverage) ratio | 29.5775% | 188 |
| Tier 1 risk-based capital ratio | 65.8529% | 130 |
| Total risk-based capital ratio | 66.3594% | 133 |
| Memoranda: | ||
| Average total assets | $178,859,000 | 3,421 |
| Average earning assets | $171,960,800 | 3,305 |
| Average equity | $53,187,800 | 1,269 |
| Average total loans | $28,184,000 | 6,828 |