Home > Foxboro Federal Savings > Performance and Condition Ratios
Foxboro Federal Savings, Performance and Condition Ratios
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5416% | 4,429 |
| Cost of funding earning assets | 0.0869% | 4,375 |
| Net interest margin | 2.4547% | 4,257 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 1.9109% | 3,728 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6065% | 3,819 |
| Return on assets (ROA) | 0.6043% | 3,784 |
| Pretax return on assets | 0.7142% | 3,773 |
| Return on Equity (ROE) | 4.6800% | 4,039 |
| Retained earnings to average equity (ytd only) | 4.6802% | 3,206 |
| 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 | 72.7227% | 1,420 |
| Assets per employee ($millions) | 9.0655% | 874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8577% | 3,966 |
| 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 | 56.1600% | 2,889 |
| Net loans and leases to deposits | 63.7362% | 2,888 |
| Net loans and leases to core deposits | 66.8300% | 2,892 |
| Total domestic deposits to total assets | 88.1100% | 2,393 |
| Equity capital to assets | 11.1693% | 1,115 |
| Core capital (leverage) ratio | 15.5121% | 492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.2477% | 178 |
| Memoranda: | ||
| Average total assets | $203,873,000 | 3,042 |
| Average earning assets | $194,883,500 | 2,985 |
| Average equity | $26,323,250 | 2,551 |
| Average total loans | $111,924,250 | 3,021 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4752% | 4,398 |
| Cost of funding earning assets | 0.0864% | 4,322 |
| Net interest margin | 2.3888% | 4,243 |
| Noninterest income to average assets | 0.2844% | 3,471 |
| Noninterest expense to average assets | 1.8583% | 3,814 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6032% | 3,617 |
| Return on assets (ROA) | 0.5999% | 3,570 |
| Pretax return on assets | 0.7100% | 3,548 |
| Return on Equity (ROE) | 4.4521% | 3,924 |
| Retained earnings to average equity (ytd only) | 4.4521% | 2,907 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2454% | 1,710 |
| Assets per employee ($millions) | 8.9166% | 911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8579% | 4,071 |
| 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 | 54.6021% | 2,901 |
| Net loans and leases to deposits | 62.8605% | 2,821 |
| Net loans and leases to core deposits | 65.5880% | 2,854 |
| Total domestic deposits to total assets | 86.8623% | 2,987 |
| Equity capital to assets | 12.4287% | 779 |
| Core capital (leverage) ratio | 15.1945% | 455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.4130% | 146 |
| Memoranda: | ||
| Average total assets | $205,350,667 | 3,064 |
| Average earning assets | $196,671,000 | 3,016 |
| Average equity | $27,672,333 | 2,538 |
| Average total loans | $111,575,667 | 3,045 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4486% | 4,329 |
| Cost of funding earning assets | 0.0873% | 4,279 |
| Net interest margin | 2.3613% | 4,136 |
| Noninterest income to average assets | 0.2959% | 3,347 |
| Noninterest expense to average assets | 1.8532% | 3,802 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5957% | 3,409 |
| Return on assets (ROA) | 0.5957% | 3,392 |
| Pretax return on assets | 0.7066% | 3,376 |
| Return on Equity (ROE) | 4.2553% | 3,809 |
| Retained earnings to average equity (ytd only) | 4.2553% | 2,849 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3954% | 1,925 |
| Assets per employee ($millions) | 8.8905% | 957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8574% | 4,133 |
| 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 | 54.7946% | 2,657 |
| Net loans and leases to deposits | 63.6652% | 2,560 |
| Net loans and leases to core deposits | 66.3664% | 2,605 |
| Total domestic deposits to total assets | 86.0667% | 3,236 |
| Equity capital to assets | 13.2422% | 645 |
| Core capital (leverage) ratio | 14.8520% | 454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.2977% | 171 |
| Memoranda: | ||
| Average total assets | $205,485,000 | 3,074 |
| Average earning assets | $197,010,000 | 3,026 |
| Average equity | $28,764,000 | 2,547 |
| Average total loans | $110,889,500 | 3,051 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4457% | 4,520 |
| Cost of funding earning assets | 0.1415% | 4,051 |
| Net interest margin | 2.3042% | 4,407 |
| Noninterest income to average assets | 0.3750% | 3,189 |
| Noninterest expense to average assets | 1.9973% | 3,684 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5266% | 4,023 |
| Return on assets (ROA) | 0.5190% | 4,089 |
| Pretax return on assets | 0.5829% | 4,133 |
| Return on Equity (ROE) | 3.4079% | 4,307 |
| Retained earnings to average equity (ytd only) | 3.4079% | 3,454 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1534% | 1,014 |
| Assets per employee ($millions) | 8.9777% | 922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8909% | 4,083 |
| 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 | 52.2045% | 3,036 |
| Net loans and leases to deposits | 61.7413% | 2,904 |
| Net loans and leases to core deposits | 64.3574% | 2,947 |
| Total domestic deposits to total assets | 84.5536% | 3,409 |
| Equity capital to assets | 14.7466% | 533 |
| Core capital (leverage) ratio | 14.7688% | 496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.0280% | 177 |
| Memoranda: | ||
| Average total assets | $198,669,400 | 3,076 |
| Average earning assets | $190,866,200 | 3,022 |
| Average equity | $30,253,200 | 2,517 |
| Average total loans | $108,342,800 | 3,098 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4570% | 4,601 |
| Cost of funding earning assets | 0.1559% | 4,057 |
| Net interest margin | 2.3011% | 4,491 |
| Noninterest income to average assets | 0.3836% | 3,185 |
| Noninterest expense to average assets | 1.9818% | 3,737 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5450% | 4,111 |
| Return on assets (ROA) | 0.5348% | 4,176 |
| Pretax return on assets | 0.6005% | 4,233 |
| Return on Equity (ROE) | 3.4829% | 4,388 |
| Retained earnings to average equity (ytd only) | 3.4829% | 3,746 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4045% | 1,012 |
| Assets per employee ($millions) | 9.1821% | 839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8868% | 4,184 |
| 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 | 53.6135% | 3,016 |
| Net loans and leases to deposits | 63.6571% | 2,885 |
| Net loans and leases to core deposits | 66.5481% | 2,909 |
| Total domestic deposits to total assets | 84.2223% | 3,397 |
| Equity capital to assets | 15.0232% | 540 |
| Core capital (leverage) ratio | 14.8661% | 510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.6319% | 160 |
| Memoranda: | ||
| Average total assets | $196,714,750 | 3,126 |
| Average earning assets | $188,950,250 | 3,077 |
| Average equity | $30,204,000 | 2,549 |
| Average total loans | $108,237,250 | 3,141 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4970% | 4,618 |
| Cost of funding earning assets | 0.1710% | 4,036 |
| Net interest margin | 2.3260% | 4,492 |
| Noninterest income to average assets | 0.3888% | 3,163 |
| Noninterest expense to average assets | 2.0097% | 3,667 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5491% | 4,116 |
| Return on assets (ROA) | 0.5417% | 4,176 |
| Pretax return on assets | 0.6043% | 4,230 |
| Return on Equity (ROE) | 3.5018% | 4,410 |
| Retained earnings to average equity (ytd only) | 3.5018% | 3,689 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6432% | 1,019 |
| Assets per employee ($millions) | 8.7037% | 951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8860% | 4,194 |
| 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 | 54.1516% | 3,113 |
| Net loans and leases to deposits | 64.3917% | 2,958 |
| Net loans and leases to core deposits | 66.9607% | 3,038 |
| Total domestic deposits to total assets | 84.0973% | 3,401 |
| Equity capital to assets | 15.1924% | 497 |
| Core capital (leverage) ratio | 14.9563% | 477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.8247% | 167 |
| Memoranda: | ||
| Average total assets | $194,950,667 | 3,138 |
| Average earning assets | $187,188,000 | 3,088 |
| Average equity | $30,156,000 | 2,539 |
| Average total loans | $107,892,333 | 3,155 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5332% | 4,627 |
| Cost of funding earning assets | 0.1885% | 4,020 |
| Net interest margin | 2.3447% | 4,473 |
| Noninterest income to average assets | 0.4014% | 3,081 |
| Noninterest expense to average assets | 2.0402% | 3,588 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5507% | 4,071 |
| Return on assets (ROA) | 0.5470% | 4,125 |
| Pretax return on assets | 0.6073% | 4,183 |
| Return on Equity (ROE) | 3.5035% | 4,370 |
| Retained earnings to average equity (ytd only) | 3.5035% | 3,630 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9412% | 1,042 |
| Assets per employee ($millions) | 8.9601% | 850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9180% | 4,105 |
| 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 | 53.0572% | 3,341 |
| Net loans and leases to deposits | 63.0648% | 3,216 |
| Net loans and leases to core deposits | 65.7290% | 3,267 |
| Total domestic deposits to total assets | 84.1312% | 3,392 |
| Equity capital to assets | 15.1865% | 471 |
| Core capital (leverage) ratio | 15.4121% | 427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.1108% | 149 |
| Memoranda: | ||
| Average total assets | $192,333,000 | 3,146 |
| Average earning assets | $184,589,500 | 3,097 |
| Average equity | $30,027,500 | 2,541 |
| Average total loans | $107,152,000 | 3,163 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0162% | 4,617 |
| Cost of funding earning assets | 0.3258% | 3,999 |
| Net interest margin | 2.6904% | 4,391 |
| Noninterest income to average assets | 0.3181% | 3,561 |
| Noninterest expense to average assets | 2.2038% | 3,654 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.6035% | 3,745 |
| Return on assets (ROA) | 0.6040% | 3,860 |
| Pretax return on assets | 0.6906% | 3,900 |
| Return on Equity (ROE) | 3.6347% | 4,241 |
| Retained earnings to average equity (ytd only) | 3.6347% | 3,021 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1541% | 1,206 |
| Assets per employee ($millions) | 8.5247% | 882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8911% | 4,207 |
| 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 | 57.4684% | 3,148 |
| Net loans and leases to deposits | 69.0668% | 2,975 |
| Net loans and leases to core deposits | 72.1512% | 3,062 |
| Total domestic deposits to total assets | 83.2071% | 3,352 |
| Equity capital to assets | 16.0598% | 421 |
| Core capital (leverage) ratio | 15.6597% | 427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.3262% | 159 |
| Memoranda: | ||
| Average total assets | $176,649,600 | 3,131 |
| Average earning assets | $169,120,400 | 3,078 |
| Average equity | $29,355,600 | 2,515 |
| Average total loans | $114,650,800 | 3,038 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1132% | 4,658 |
| Cost of funding earning assets | 0.3517% | 4,047 |
| Net interest margin | 2.7615% | 4,387 |
| Noninterest income to average assets | 0.3327% | 3,488 |
| Noninterest expense to average assets | 2.2507% | 3,551 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.6283% | 3,699 |
| Return on assets (ROA) | 0.6263% | 3,799 |
| Pretax return on assets | 0.7221% | 3,852 |
| Return on Equity (ROE) | 3.7350% | 4,232 |
| Retained earnings to average equity (ytd only) | 3.7350% | 3,178 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6506% | 1,236 |
| Assets per employee ($millions) | 7.9761% | 1,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8502% | 4,224 |
| 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 | 61.5977% | 3,058 |
| Net loans and leases to deposits | 74.2046% | 2,936 |
| Net loans and leases to core deposits | 77.7253% | 3,034 |
| Total domestic deposits to total assets | 83.0106% | 3,145 |
| Equity capital to assets | 16.2186% | 443 |
| Core capital (leverage) ratio | 15.8730% | 431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.3409% | 184 |
| Memoranda: | ||
| Average total assets | $173,926,250 | 3,144 |
| Average earning assets | $166,428,250 | 3,090 |
| Average equity | $29,164,750 | 2,518 |
| Average total loans | $116,126,750 | 3,027 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2198% | 4,703 |
| Cost of funding earning assets | 0.3798% | 4,127 |
| Net interest margin | 2.8400% | 4,398 |
| Noninterest income to average assets | 0.3526% | 3,367 |
| Noninterest expense to average assets | 2.2957% | 3,527 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.6637% | 3,532 |
| Return on assets (ROA) | 0.6758% | 3,585 |
| Pretax return on assets | 0.7859% | 3,630 |
| Return on Equity (ROE) | 3.9835% | 4,111 |
| Retained earnings to average equity (ytd only) | 3.9835% | 2,918 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8377% | 1,384 |
| Assets per employee ($millions) | 7.5168% | 1,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8420% | 4,217 |
| 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 | 63.2584% | 2,967 |
| Net loans and leases to deposits | 76.2630% | 2,835 |
| Net loans and leases to core deposits | 79.9440% | 2,949 |
| Total domestic deposits to total assets | 82.9476% | 3,102 |
| Equity capital to assets | 16.3229% | 431 |
| Core capital (leverage) ratio | 16.3848% | 399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.2663% | 172 |
| Memoranda: | ||
| Average total assets | $170,752,667 | 3,155 |
| Average earning assets | $163,238,333 | 3,107 |
| Average equity | $28,969,667 | 2,522 |
| Average total loans | $116,845,667 | 3,017 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3963% | 4,736 |
| Cost of funding earning assets | 0.4043% | 4,347 |
| Net interest margin | 2.9920% | 4,290 |
| Noninterest income to average assets | 0.4050% | 3,057 |
| Noninterest expense to average assets | 2.4517% | 3,417 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6798% | 3,336 |
| Return on assets (ROA) | 0.6798% | 3,403 |
| Pretax return on assets | 0.8076% | 3,392 |
| Return on Equity (ROE) | 3.9261% | 3,972 |
| Retained earnings to average equity (ytd only) | 3.9261% | 2,710 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2219% | 1,657 |
| Assets per employee ($millions) | 6.9633% | 1,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8120% | 4,384 |
| 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 | 70.8286% | 2,114 |
| Net loans and leases to deposits | 86.3678% | 1,953 |
| Net loans and leases to core deposits | 90.9390% | 2,257 |
| Total domestic deposits to total assets | 82.0080% | 3,420 |
| Equity capital to assets | 17.2554% | 412 |
| Core capital (leverage) ratio | 17.0493% | 410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.0257% | 196 |
| Memoranda: | ||
| Average total assets | $165,927,500 | 3,170 |
| Average earning assets | $158,290,000 | 3,125 |
| Average equity | $28,731,000 | 2,530 |
| Average total loans | $117,724,000 | 2,981 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4644% | 4,879 |
| Cost of funding earning assets | 0.3735% | 4,529 |
| Net interest margin | 3.0909% | 4,382 |
| Noninterest income to average assets | 0.5328% | 2,566 |
| Noninterest expense to average assets | 2.5329% | 3,360 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.7817% | 3,610 |
| Return on assets (ROA) | 0.7847% | 3,678 |
| Pretax return on assets | 0.9532% | 3,594 |
| Return on Equity (ROE) | 4.6648% | 4,304 |
| Retained earnings to average equity (ytd only) | 4.6648% | 2,610 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7320% | 1,768 |
| Assets per employee ($millions) | 7.4880% | 867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8345% | 4,201 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 69.8949% | 2,412 |
| Net loans and leases to deposits | 85.3745% | 2,167 |
| Net loans and leases to core deposits | 90.2855% | 2,399 |
| Total domestic deposits to total assets | 81.8686% | 3,541 |
| Equity capital to assets | 17.3763% | 422 |
| Core capital (leverage) ratio | 17.0350% | 410 |
| Tier 1 risk-based capital ratio | 34.2179% | 348 |
| Total risk-based capital ratio | 35.4079% | 343 |
| Memoranda: | ||
| Average total assets | $165,542,400 | 3,150 |
| Average earning assets | $157,977,800 | 3,103 |
| Average equity | $27,846,800 | 2,506 |
| Average total loans | $116,433,200 | 2,988 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4411% | 4,997 |
| Cost of funding earning assets | 0.3524% | 4,648 |
| Net interest margin | 3.0887% | 4,494 |
| Noninterest income to average assets | 0.4851% | 2,827 |
| Noninterest expense to average assets | 2.3683% | 3,771 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8697% | 3,454 |
| Return on assets (ROA) | 0.8736% | 3,519 |
| Pretax return on assets | 1.0691% | 3,379 |
| Return on Equity (ROE) | 5.2363% | 4,266 |
| Retained earnings to average equity (ytd only) | 5.2363% | 2,769 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9946% | 2,262 |
| Assets per employee ($millions) | 7.2057% | 950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8316% | 4,305 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 69.7204% | 2,513 |
| Net loans and leases to deposits | 84.9513% | 2,327 |
| Net loans and leases to core deposits | 90.3051% | 2,524 |
| Total domestic deposits to total assets | 82.0711% | 3,458 |
| Equity capital to assets | 17.1331% | 471 |
| Core capital (leverage) ratio | 16.9543% | 450 |
| Tier 1 risk-based capital ratio | 34.4390% | 360 |
| Total risk-based capital ratio | 35.6470% | 353 |
| Memoranda: | ||
| Average total assets | $165,744,000 | 3,182 |
| Average earning assets | $158,163,500 | 3,131 |
| Average equity | $27,652,250 | 2,529 |
| Average total loans | $116,513,750 | 3,010 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4238% | 5,066 |
| Cost of funding earning assets | 0.3416% | 4,704 |
| Net interest margin | 3.0822% | 4,566 |
| Noninterest income to average assets | 0.4332% | 3,048 |
| Noninterest expense to average assets | 2.3831% | 3,783 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8169% | 3,595 |
| Return on assets (ROA) | 0.8169% | 3,651 |
| Pretax return on assets | 0.9895% | 3,583 |
| Return on Equity (ROE) | 4.9408% | 4,358 |
| Retained earnings to average equity (ytd only) | 4.9408% | 2,794 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6619% | 2,127 |
| Assets per employee ($millions) | 6.9718% | 1,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8243% | 4,348 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 69.6726% | 2,573 |
| Net loans and leases to deposits | 84.3650% | 2,451 |
| Net loans and leases to core deposits | 88.8600% | 2,718 |
| Total domestic deposits to total assets | 82.5847% | 3,343 |
| Equity capital to assets | 16.7089% | 504 |
| Core capital (leverage) ratio | 16.7892% | 455 |
| Tier 1 risk-based capital ratio | 33.9531% | 364 |
| Total risk-based capital ratio | 35.1582% | 359 |
| Memoranda: | ||
| Average total assets | $165,748,000 | 3,191 |
| Average earning assets | $158,068,330 | 3,151 |
| Average equity | $27,404,670 | 2,539 |
| Average total loans | $116,512,330 | 3,018 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4173% | 5,096 |
| Cost of funding earning assets | 0.3107% | 4,815 |
| Net interest margin | 3.1066% | 4,589 |
| Noninterest income to average assets | 0.4292% | 2,984 |
| Noninterest expense to average assets | 2.4273% | 3,693 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7953% | 3,639 |
| Return on assets (ROA) | 0.7953% | 3,689 |
| Pretax return on assets | 0.9602% | 3,583 |
| Return on Equity (ROE) | 4.8363% | 4,372 |
| Retained earnings to average equity (ytd only) | 4.8363% | 2,978 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6535% | 2,085 |
| Assets per employee ($millions) | 7.1441% | 942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8292% | 4,421 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 70.5273% | 2,400 |
| Net loans and leases to deposits | 85.3937% | 2,199 |
| Net loans and leases to core deposits | 89.4680% | 2,561 |
| Total domestic deposits to total assets | 82.5908% | 3,544 |
| Equity capital to assets | 16.6929% | 480 |
| Core capital (leverage) ratio | 16.4270% | 477 |
| Tier 1 risk-based capital ratio | 33.6019% | 364 |
| Total risk-based capital ratio | 34.8097% | 356 |
| Memoranda: | ||
| Average total assets | $164,960,000 | 3,238 |
| Average earning assets | $157,084,500 | 3,193 |
| Average equity | $27,128,000 | 2,561 |
| Average total loans | $115,994,500 | 3,063 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1550% | 5,171 |
| Cost of funding earning assets | 0.2540% | 4,789 |
| Net interest margin | 2.9011% | 4,919 |
| Noninterest income to average assets | 0.4331% | 3,220 |
| Noninterest expense to average assets | 2.3339% | 4,033 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7274% | 4,046 |
| Return on assets (ROA) | 0.7239% | 4,067 |
| Pretax return on assets | 0.8626% | 3,996 |
| Return on Equity (ROE) | 4.5570% | 4,575 |
| Retained earnings to average equity (ytd only) | 4.5570% | 3,016 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9182% | 1,780 |
| Assets per employee ($millions) | 6.9002% | 1,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8416% | 4,385 |
| 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 | 68.9375% | 2,739 |
| Net loans and leases to deposits | 84.3884% | 2,470 |
| Net loans and leases to core deposits | 88.4471% | 2,717 |
| Total domestic deposits to total assets | 81.6908% | 3,722 |
| Equity capital to assets | 16.1994% | 506 |
| Core capital (leverage) ratio | 16.0831% | 503 |
| Tier 1 risk-based capital ratio | 33.3068% | 357 |
| Total risk-based capital ratio | 34.5113% | 349 |
| Memoranda: | ||
| Average total assets | $165,085,400 | 3,215 |
| Average earning assets | $157,494,600 | 3,163 |
| Average equity | $26,223,600 | 2,557 |
| Average total loans | $107,053,000 | 3,188 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1048% | 5,244 |
| Cost of funding earning assets | 0.2446% | 4,819 |
| Net interest margin | 2.8601% | 5,026 |
| Noninterest income to average assets | 0.4357% | 3,250 |
| Noninterest expense to average assets | 2.2737% | 4,163 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7459% | 4,091 |
| Return on assets (ROA) | 0.7412% | 4,113 |
| Pretax return on assets | 0.8875% | 4,064 |
| Return on Equity (ROE) | 4.6893% | 4,652 |
| Retained earnings to average equity (ytd only) | 4.6893% | 3,401 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7968% | 1,918 |
| Assets per employee ($millions) | 7.9793% | 656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8623% | 4,407 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 66.4882% | 3,127 |
| Net loans and leases to deposits | 79.5656% | 3,083 |
| Net loans and leases to core deposits | 83.5923% | 3,186 |
| Total domestic deposits to total assets | 83.5640% | 3,099 |
| Equity capital to assets | 15.7205% | 581 |
| Core capital (leverage) ratio | 16.0277% | 511 |
| Tier 1 risk-based capital ratio | 34.1630% | 340 |
| Total risk-based capital ratio | 35.4127% | 334 |
| Memoranda: | ||
| Average total assets | $164,955,500 | 3,245 |
| Average earning assets | $157,517,250 | 3,193 |
| Average equity | $26,072,750 | 2,578 |
| Average total loans | $105,033,000 | 3,241 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0458% | 5,316 |
| Cost of funding earning assets | 0.2413% | 4,793 |
| Net interest margin | 2.8045% | 5,113 |
| Noninterest income to average assets | 0.4461% | 3,179 |
| Noninterest expense to average assets | 2.2525% | 4,255 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7289% | 4,111 |
| Return on assets (ROA) | 0.7289% | 4,111 |
| Pretax return on assets | 0.8715% | 4,052 |
| Return on Equity (ROE) | 4.6030% | 4,659 |
| Retained earnings to average equity (ytd only) | 4.6030% | 3,287 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1030% | 1,989 |
| Assets per employee ($millions) | 7.8731% | 653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8883% | 4,392 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 65.3887% | 3,228 |
| Net loans and leases to deposits | 78.3300% | 3,123 |
| Net loans and leases to core deposits | 82.0994% | 3,232 |
| Total domestic deposits to total assets | 83.4785% | 3,257 |
| Equity capital to assets | 15.8260% | 528 |
| Core capital (leverage) ratio | 15.9753% | 500 |
| Tier 1 risk-based capital ratio | 34.0712% | 345 |
| Total risk-based capital ratio | 35.3249% | 341 |
| Memoranda: | ||
| Average total assets | $164,085,670 | 3,276 |
| Average earning assets | $156,675,670 | 3,215 |
| Average equity | $25,983,000 | 2,589 |
| Average total loans | $102,584,000 | 3,296 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9791% | 5,386 |
| Cost of funding earning assets | 0.2359% | 4,794 |
| Net interest margin | 2.7433% | 5,217 |
| Noninterest income to average assets | 0.4723% | 2,987 |
| Noninterest expense to average assets | 2.2905% | 4,207 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6778% | 4,180 |
| Return on assets (ROA) | 0.6778% | 4,183 |
| Pretax return on assets | 0.8002% | 4,152 |
| Return on Equity (ROE) | 4.2794% | 4,688 |
| Retained earnings to average equity (ytd only) | 4.2794% | 3,471 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1093% | 1,887 |
| Assets per employee ($millions) | 7.8762% | 647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9670% | 4,132 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 60.0002% | 3,751 |
| Net loans and leases to deposits | 71.6811% | 3,645 |
| Net loans and leases to core deposits | 74.5859% | 3,775 |
| Total domestic deposits to total assets | 83.7045% | 3,431 |
| Equity capital to assets | 15.6498% | 549 |
| Core capital (leverage) ratio | 15.9718% | 491 |
| Tier 1 risk-based capital ratio | 35.5967% | 316 |
| Total risk-based capital ratio | 36.8464% | 315 |
| Memoranda: | ||
| Average total assets | $163,460,500 | 3,322 |
| Average earning assets | $156,019,000 | 3,254 |
| Average equity | $25,891,500 | 2,626 |
| Average total loans | $99,336,000 | 3,370 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8395% | 5,443 |
| Cost of funding earning assets | 0.2352% | 4,686 |
| Net interest margin | 2.6043% | 5,347 |
| Noninterest income to average assets | 0.4563% | 3,268 |
| Noninterest expense to average assets | 2.3029% | 4,320 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4287% | 4,594 |
| Return on assets (ROA) | 0.4287% | 4,618 |
| Pretax return on assets | 0.6390% | 4,649 |
| Return on Equity (ROE) | 2.7332% | 4,904 |
| Retained earnings to average equity (ytd only) | 2.7332% | 3,677 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2781% | 1,314 |
| Assets per employee ($millions) | 7.3418% | 830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9841% | 4,031 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 60.3597% | 3,796 |
| Net loans and leases to deposits | 72.4489% | 3,656 |
| Net loans and leases to core deposits | 75.4111% | 3,785 |
| Total domestic deposits to total assets | 83.3135% | 3,462 |
| Equity capital to assets | 16.0339% | 514 |
| Core capital (leverage) ratio | 15.8277% | 491 |
| Tier 1 risk-based capital ratio | 35.6520% | 304 |
| Total risk-based capital ratio | 36.9074% | 300 |
| Memoranda: | ||
| Average total assets | $163,056,600 | 3,312 |
| Average earning assets | $155,626,600 | 3,247 |
| Average equity | $25,574,400 | 2,636 |
| Average total loans | $99,842,400 | 3,352 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8049% | 5,517 |
| Cost of funding earning assets | 0.2325% | 4,725 |
| Net interest margin | 2.5724% | 5,426 |
| Noninterest income to average assets | 0.4625% | 3,260 |
| Noninterest expense to average assets | 2.2899% | 4,326 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5262% | 4,659 |
| Return on assets (ROA) | 0.5262% | 4,691 |
| Pretax return on assets | 0.6281% | 4,782 |
| Return on Equity (ROE) | 3.3733% | 5,021 |
| Retained earnings to average equity (ytd only) | 3.3733% | 3,920 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4736% | 1,266 |
| Assets per employee ($millions) | 7.4226% | 785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9853% | 4,148 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 59.6312% | 3,907 |
| Net loans and leases to deposits | 71.4817% | 3,826 |
| Net loans and leases to core deposits | 74.1862% | 3,962 |
| Total domestic deposits to total assets | 83.4216% | 3,317 |
| Equity capital to assets | 15.8790% | 564 |
| Core capital (leverage) ratio | 15.7173% | 534 |
| Tier 1 risk-based capital ratio | 36.0237% | 303 |
| Total risk-based capital ratio | 37.2822% | 295 |
| Memoranda: | ||
| Average total assets | $163,440,750 | 3,336 |
| Average earning assets | $156,008,750 | 3,276 |
| Average equity | $25,493,500 | 2,662 |
| Average total loans | $100,187,500 | 3,378 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7689% | 5,567 |
| Cost of funding earning assets | 0.2346% | 4,686 |
| Net interest margin | 2.5343% | 5,481 |
| Noninterest income to average assets | 0.4661% | 3,243 |
| Noninterest expense to average assets | 2.2925% | 4,366 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5040% | 4,694 |
| Return on assets (ROA) | 0.5040% | 4,730 |
| Pretax return on assets | 0.5921% | 4,825 |
| Return on Equity (ROE) | 3.2507% | 5,054 |
| Retained earnings to average equity (ytd only) | 3.2507% | 3,782 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4741% | 1,275 |
| Assets per employee ($millions) | 7.5095% | 735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9827% | 4,255 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 59.0991% | 3,910 |
| Net loans and leases to deposits | 70.5546% | 3,868 |
| Net loans and leases to core deposits | 73.1802% | 4,004 |
| Total domestic deposits to total assets | 83.7636% | 3,301 |
| Equity capital to assets | 15.5567% | 604 |
| Core capital (leverage) ratio | 15.5734% | 536 |
| Tier 1 risk-based capital ratio | 35.8716% | 289 |
| Total risk-based capital ratio | 37.1278% | 282 |
| Memoranda: | ||
| Average total assets | $163,488,670 | 3,359 |
| Average earning assets | $156,020,000 | 3,292 |
| Average equity | $25,348,000 | 2,676 |
| Average total loans | $100,801,670 | 3,386 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7840% | 5,605 |
| Cost of funding earning assets | 0.2322% | 4,693 |
| Net interest margin | 2.5517% | 5,504 |
| Noninterest income to average assets | 0.4944% | 3,018 |
| Noninterest expense to average assets | 2.3096% | 4,381 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5214% | 4,513 |
| Return on assets (ROA) | 0.5214% | 4,545 |
| Pretax return on assets | 0.6174% | 4,691 |
| Return on Equity (ROE) | 3.3689% | 5,000 |
| Retained earnings to average equity (ytd only) | 3.3689% | 3,752 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9076% | 1,502 |
| Assets per employee ($millions) | 7.4012% | 790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9680% | 4,456 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 60.8852% | 3,684 |
| Net loans and leases to deposits | 72.6699% | 3,547 |
| Net loans and leases to core deposits | 75.4089% | 3,704 |
| Total domestic deposits to total assets | 83.7833% | 3,556 |
| Equity capital to assets | 15.5583% | 562 |
| Core capital (leverage) ratio | 15.6002% | 513 |
| Tier 1 risk-based capital ratio | 34.8335% | 326 |
| Total risk-based capital ratio | 36.0908% | 322 |
| Memoranda: | ||
| Average total assets | $162,628,500 | 3,397 |
| Average earning assets | $155,031,500 | 3,334 |
| Average equity | $25,171,500 | 2,702 |
| Average total loans | $101,899,500 | 3,385 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8212% | 5,631 |
| Cost of funding earning assets | 0.2423% | 4,633 |
| Net interest margin | 2.5789% | 5,537 |
| Noninterest income to average assets | 0.5048% | 3,206 |
| Noninterest expense to average assets | 2.2920% | 4,580 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5498% | 4,438 |
| Return on assets (ROA) | 0.5308% | 4,600 |
| Pretax return on assets | 0.6514% | 4,654 |
| Return on Equity (ROE) | 3.4290% | 5,036 |
| Retained earnings to average equity (ytd only) | 3.4290% | 3,488 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2519% | 1,804 |
| Assets per employee ($millions) | 7.3832% | 765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9345% | 4,635 |
| Loan loss allowance to noncurrent loans | 10,766.6667% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.0055% | 5,407 |
| Noncurrent loans to loans | 0.0087% | 5,264 |
| Net loans and leases to total assets | 63.2416% | 3,443 |
| Net loans and leases to deposits | 75.3622% | 3,383 |
| Net loans and leases to core deposits | 78.2111% | 3,557 |
| Total domestic deposits to total assets | 83.9169% | 3,448 |
| Equity capital to assets | 15.3973% | 583 |
| Core capital (leverage) ratio | 15.3429% | 555 |
| Tier 1 risk-based capital ratio | 33.6332% | 358 |
| Total risk-based capital ratio | 34.8964% | 349 |
| Memoranda: | ||
| Average total assets | $161,649,000 | 3,379 |
| Average earning assets | $154,329,600 | 3,318 |
| Average equity | $25,021,800 | 2,719 |
| Average total loans | $99,254,800 | 3,398 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8094% | 5,710 |
| Cost of funding earning assets | 0.2420% | 4,680 |
| Net interest margin | 2.5673% | 5,612 |
| Noninterest income to average assets | 0.4963% | 3,274 |
| Noninterest expense to average assets | 2.2677% | 4,606 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5506% | 4,496 |
| Return on assets (ROA) | 0.5252% | 4,696 |
| Pretax return on assets | 0.6499% | 4,742 |
| Return on Equity (ROE) | 3.3886% | 5,117 |
| Retained earnings to average equity (ytd only) | 3.3886% | 3,870 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8972% | 1,849 |
| Assets per employee ($millions) | 7.0810% | 861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9366% | 4,723 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 62.9308% | 3,533 |
| Net loans and leases to deposits | 75.1880% | 3,479 |
| Net loans and leases to core deposits | 78.6149% | 3,600 |
| Total domestic deposits to total assets | 83.6980% | 3,320 |
| Equity capital to assets | 15.6131% | 614 |
| Core capital (leverage) ratio | 15.2487% | 585 |
| Tier 1 risk-based capital ratio | 33.8795% | 358 |
| Total risk-based capital ratio | 35.1320% | 356 |
| Memoranda: | ||
| Average total assets | $161,453,500 | 3,401 |
| Average earning assets | $154,241,250 | 3,334 |
| Average equity | $25,024,750 | 2,731 |
| Average total loans | $98,145,250 | 3,425 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7560% | 5,822 |
| Cost of funding earning assets | 0.2394% | 4,761 |
| Net interest margin | 2.5165% | 5,731 |
| Noninterest income to average assets | 0.4957% | 3,225 |
| Noninterest expense to average assets | 2.3356% | 4,513 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4604% | 4,835 |
| Return on assets (ROA) | 0.4808% | 4,857 |
| Pretax return on assets | 0.5876% | 4,915 |
| Return on Equity (ROE) | 3.1096% | 5,218 |
| Retained earnings to average equity (ytd only) | 3.1096% | 3,926 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5829% | 1,433 |
| Assets per employee ($millions) | 7.4497% | 717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9743% | 4,649 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 60.0904% | 3,874 |
| Net loans and leases to deposits | 71.6268% | 3,819 |
| Net loans and leases to core deposits | 74.2911% | 3,958 |
| Total domestic deposits to total assets | 83.8938% | 3,311 |
| Equity capital to assets | 15.4412% | 640 |
| Core capital (leverage) ratio | 15.2193% | 569 |
| Tier 1 risk-based capital ratio | 34.0518% | 360 |
| Total risk-based capital ratio | 35.3053% | 352 |
| Memoranda: | ||
| Average total assets | $160,983,670 | 3,423 |
| Average earning assets | $153,703,000 | 3,353 |
| Average equity | $24,890,330 | 2,751 |
| Average total loans | $96,373,670 | 3,473 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7875% | 5,863 |
| Cost of funding earning assets | 0.2419% | 4,788 |
| Net interest margin | 2.5456% | 5,771 |
| Noninterest income to average assets | 0.5040% | 3,091 |
| Noninterest expense to average assets | 2.3971% | 4,381 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4409% | 4,855 |
| Return on assets (ROA) | 0.4513% | 4,910 |
| Pretax return on assets | 0.5466% | 4,959 |
| Return on Equity (ROE) | 2.9171% | 5,270 |
| Retained earnings to average equity (ytd only) | 2.9171% | 4,059 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7793% | 1,388 |
| Assets per employee ($millions) | 7.2759% | 784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0053% | 4,573 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 59.6112% | 3,831 |
| Net loans and leases to deposits | 71.1005% | 3,739 |
| Net loans and leases to core deposits | 73.8126% | 3,918 |
| Total domestic deposits to total assets | 83.8407% | 3,580 |
| Equity capital to assets | 15.5202% | 596 |
| Core capital (leverage) ratio | 15.3448% | 553 |
| Tier 1 risk-based capital ratio | 34.2665% | 360 |
| Total risk-based capital ratio | 35.5166% | 355 |
| Memoranda: | ||
| Average total assets | $159,529,000 | 3,456 |
| Average earning assets | $152,108,000 | 3,390 |
| Average equity | $24,682,000 | 2,772 |
| Average total loans | $94,834,000 | 3,515 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7067% | 5,928 |
| Cost of funding earning assets | 0.2549% | 4,729 |
| Net interest margin | 2.4519% | 5,859 |
| Noninterest income to average assets | 0.5076% | 3,270 |
| Noninterest expense to average assets | 2.3996% | 4,516 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4187% | 4,993 |
| Return on assets (ROA) | 0.4235% | 5,058 |
| Pretax return on assets | 0.4513% | 5,223 |
| Return on Equity (ROE) | 2.7911% | 5,374 |
| Retained earnings to average equity (ytd only) | 2.7911% | 4,084 |
| Net charge-offs to loans | 0.0351% | 3,509 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 22.7419% | 1,760 |
| Efficiency ratio | 84.3194% | 1,150 |
| Assets per employee ($millions) | 6.9126% | 918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0388% | 4,391 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 58.0612% | 4,082 |
| Net loans and leases to deposits | 69.1577% | 4,010 |
| Net loans and leases to core deposits | 71.9516% | 4,136 |
| Total domestic deposits to total assets | 83.9549% | 3,499 |
| Equity capital to assets | 15.4231% | 612 |
| Core capital (leverage) ratio | 15.2157% | 579 |
| Tier 1 risk-based capital ratio | 34.0498% | 362 |
| Total risk-based capital ratio | 35.3013% | 354 |
| Memoranda: | ||
| Average total assets | $157,984,000 | 3,458 |
| Average earning assets | $150,661,400 | 3,395 |
| Average equity | $23,969,000 | 2,787 |
| Average total loans | $88,325,400 | 3,624 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6910% | 6,024 |
| Cost of funding earning assets | 0.2561% | 4,807 |
| Net interest margin | 2.4349% | 5,952 |
| Noninterest income to average assets | 0.5114% | 3,287 |
| Noninterest expense to average assets | 2.4023% | 4,506 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4070% | 5,141 |
| Return on assets (ROA) | 0.4133% | 5,201 |
| Pretax return on assets | 0.4387% | 5,376 |
| Return on Equity (ROE) | 2.7358% | 5,472 |
| Retained earnings to average equity (ytd only) | 2.7358% | 4,472 |
| Net charge-offs to loans | 0.0046% | 4,013 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 170.3300% | 419 |
| Efficiency ratio | 84.7599% | 1,101 |
| Assets per employee ($millions) | 6.4015% | 1,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1024% | 4,214 |
| Loan loss allowance to noncurrent loans | 3,692.5926% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.0169% | 5,730 |
| Noncurrent loans to loans | 0.0299% | 5,505 |
| Net loans and leases to total assets | 55.8877% | 4,366 |
| Net loans and leases to deposits | 66.3662% | 4,351 |
| Net loans and leases to core deposits | 69.0216% | 4,455 |
| Total domestic deposits to total assets | 84.2112% | 3,337 |
| Equity capital to assets | 15.1540% | 704 |
| Core capital (leverage) ratio | 14.9209% | 650 |
| Tier 1 risk-based capital ratio | 34.5573% | 358 |
| Total risk-based capital ratio | 35.8087% | 357 |
| Memoranda: | ||
| Average total assets | $157,732,750 | 3,497 |
| Average earning assets | $150,475,500 | 3,425 |
| Average equity | $23,831,000 | 2,821 |
| Average total loans | $87,086,750 | 3,697 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6596% | 6,092 |
| Cost of funding earning assets | 0.2577% | 4,864 |
| Net interest margin | 2.4019% | 6,042 |
| Noninterest income to average assets | 0.5097% | 3,310 |
| Noninterest expense to average assets | 2.3980% | 4,555 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3840% | 5,191 |
| Return on assets (ROA) | 0.3937% | 5,262 |
| Pretax return on assets | 0.4141% | 5,439 |
| Return on Equity (ROE) | 2.6086% | 5,529 |
| Retained earnings to average equity (ytd only) | 2.6086% | 4,400 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5844% | 1,095 |
| Assets per employee ($millions) | 6.6723% | 973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1319% | 4,173 |
| Loan loss allowance to noncurrent loans | 3,333.3333% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.0187% | 5,822 |
| Noncurrent loans to loans | 0.0340% | 5,612 |
| Net loans and leases to total assets | 54.5440% | 4,496 |
| Net loans and leases to deposits | 64.4135% | 4,495 |
| Net loans and leases to core deposits | 66.9528% | 4,577 |
| Total domestic deposits to total assets | 84.6779% | 3,259 |
| Equity capital to assets | 14.7569% | 757 |
| Core capital (leverage) ratio | 14.8660% | 644 |
| Tier 1 risk-based capital ratio | 34.4264% | 380 |
| Total risk-based capital ratio | 35.6781% | 377 |
| Memoranda: | ||
| Average total assets | $156,964,670 | 3,530 |
| Average earning assets | $149,797,000 | 3,457 |
| Average equity | $23,690,670 | 2,839 |
| Average total loans | $85,969,670 | 3,734 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6702% | 6,140 |
| Cost of funding earning assets | 0.2592% | 4,919 |
| Net interest margin | 2.4110% | 6,091 |
| Noninterest income to average assets | 0.5329% | 3,069 |
| Noninterest expense to average assets | 2.4147% | 4,554 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3865% | 5,124 |
| Return on assets (ROA) | 0.3913% | 5,216 |
| Pretax return on assets | 0.4222% | 5,384 |
| Return on Equity (ROE) | 2.5632% | 5,517 |
| Retained earnings to average equity (ytd only) | 2.5632% | 4,401 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2727% | 1,248 |
| Assets per employee ($millions) | 6.8813% | 903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1761% | 4,115 |
| Loan loss allowance to noncurrent loans | 1,923.0769% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.0329% | 5,811 |
| Noncurrent loans to loans | 0.0612% | 5,530 |
| Net loans and leases to total assets | 53.0912% | 4,546 |
| Net loans and leases to deposits | 62.9282% | 4,486 |
| Net loans and leases to core deposits | 65.3533% | 4,583 |
| Total domestic deposits to total assets | 84.3680% | 3,666 |
| Equity capital to assets | 15.0855% | 701 |
| Core capital (leverage) ratio | 15.2642% | 569 |
| Tier 1 risk-based capital ratio | 35.1411% | 356 |
| Total risk-based capital ratio | 36.3926% | 353 |
| Memoranda: | ||
| Average total assets | $155,379,500 | 3,567 |
| Average earning assets | $148,154,000 | 3,493 |
| Average equity | $23,720,500 | 2,860 |
| Average total loans | $84,782,500 | 3,780 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7739% | 6,221 |
| Cost of funding earning assets | 0.2815% | 4,990 |
| Net interest margin | 2.4924% | 6,164 |
| Noninterest income to average assets | 0.5497% | 3,179 |
| Noninterest expense to average assets | 2.3474% | 4,980 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4607% | 4,963 |
| Return on assets (ROA) | 0.4728% | 5,010 |
| Pretax return on assets | 0.5955% | 4,958 |
| Return on Equity (ROE) | 3.1696% | 5,417 |
| Retained earnings to average equity (ytd only) | 3.1696% | 3,981 |
| Net charge-offs to loans | 0.0095% | 4,719 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 109.3750% | 482 |
| Efficiency ratio | 80.1812% | 1,904 |
| Assets per employee ($millions) | 7.2613% | 731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1829% | 4,113 |
| Loan loss allowance to noncurrent loans | 2,000.0000% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.0328% | 5,913 |
| Noncurrent loans to loans | 0.0591% | 5,644 |
| Net loans and leases to total assets | 54.7827% | 4,477 |
| Net loans and leases to deposits | 65.5182% | 4,376 |
| Net loans and leases to core deposits | 68.6479% | 4,435 |
| Total domestic deposits to total assets | 83.6144% | 3,874 |
| Equity capital to assets | 15.4537% | 618 |
| Core capital (leverage) ratio | 15.3784% | 551 |
| Tier 1 risk-based capital ratio | 34.0270% | 369 |
| Total risk-based capital ratio | 35.2802% | 364 |
| Memoranda: | ||
| Average total assets | $150,807,000 | 3,622 |
| Average earning assets | $143,876,600 | 3,538 |
| Average equity | $22,495,000 | 2,903 |
| Average total loans | $84,062,200 | 3,765 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7720% | 6,299 |
| Cost of funding earning assets | 0.2833% | 5,057 |
| Net interest margin | 2.4887% | 6,236 |
| Noninterest income to average assets | 0.5444% | 3,238 |
| Noninterest expense to average assets | 2.3228% | 5,048 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4770% | 4,962 |
| Return on assets (ROA) | 0.4876% | 4,983 |
| Pretax return on assets | 0.6100% | 5,000 |
| Return on Equity (ROE) | 3.2992% | 5,432 |
| Retained earnings to average equity (ytd only) | 3.2992% | 4,274 |
| Net charge-offs to loans | 0.0127% | 4,300 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 84.0965% | 678 |
| Efficiency ratio | 79.5627% | 1,979 |
| Assets per employee ($millions) | 6.5672% | 989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1935% | 4,269 |
| Loan loss allowance to noncurrent loans | 1,960.7843% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.0338% | 6,033 |
| Noncurrent loans to loans | 0.0609% | 5,770 |
| Net loans and leases to total assets | 54.8105% | 4,482 |
| Net loans and leases to deposits | 65.3818% | 4,397 |
| Net loans and leases to core deposits | 68.5271% | 4,457 |
| Total domestic deposits to total assets | 83.8314% | 3,825 |
| Equity capital to assets | 15.2867% | 675 |
| Core capital (leverage) ratio | 15.3796% | 565 |
| Tier 1 risk-based capital ratio | 34.2104% | 382 |
| Total risk-based capital ratio | 35.4635% | 376 |
| Memoranda: | ||
| Average total assets | $150,386,750 | 3,655 |
| Average earning assets | $143,524,500 | 3,583 |
| Average equity | $22,227,500 | 2,930 |
| Average total loans | $83,943,500 | 3,798 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7153% | 6,387 |
| Cost of funding earning assets | 0.2834% | 5,149 |
| Net interest margin | 2.4319% | 6,332 |
| Noninterest income to average assets | 0.5980% | 2,820 |
| Noninterest expense to average assets | 2.3627% | 4,990 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4513% | 5,010 |
| Return on assets (ROA) | 0.4675% | 5,019 |
| Pretax return on assets | 0.5754% | 5,038 |
| Return on Equity (ROE) | 3.1996% | 5,457 |
| Retained earnings to average equity (ytd only) | 3.1996% | 4,165 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9676% | 1,884 |
| Assets per employee ($millions) | 5.8116% | 1,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2027% | 4,410 |
| Loan loss allowance to noncurrent loans | 1,380.8219% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.0483% | 6,047 |
| Noncurrent loans to loans | 0.0871% | 5,758 |
| Net loans and leases to total assets | 54.8011% | 4,433 |
| Net loans and leases to deposits | 65.4233% | 4,332 |
| Net loans and leases to core deposits | 68.3181% | 4,433 |
| Total domestic deposits to total assets | 83.7638% | 4,012 |
| Equity capital to assets | 15.0912% | 682 |
| Core capital (leverage) ratio | 15.2482% | 563 |
| Tier 1 risk-based capital ratio | 33.7678% | 382 |
| Total risk-based capital ratio | 35.0215% | 373 |
| Memoranda: | ||
| Average total assets | $150,167,000 | 3,676 |
| Average earning assets | $143,259,670 | 3,605 |
| Average equity | $21,940,000 | 2,951 |
| Average total loans | $83,995,000 | 3,815 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7455% | 6,431 |
| Cost of funding earning assets | 0.2861% | 5,209 |
| Net interest margin | 2.4595% | 6,364 |
| Noninterest income to average assets | 0.5878% | 2,805 |
| Noninterest expense to average assets | 2.3914% | 4,952 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4403% | 4,972 |
| Return on assets (ROA) | 0.4623% | 4,958 |
| Pretax return on assets | 0.5665% | 4,952 |
| Return on Equity (ROE) | 3.2173% | 5,382 |
| Retained earnings to average equity (ytd only) | 3.2173% | 4,191 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5861% | 1,980 |
| Assets per employee ($millions) | 6.5573% | 994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1956% | 4,649 |
| Loan loss allowance to noncurrent loans | 1,400.0000% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.0477% | 6,135 |
| Noncurrent loans to loans | 0.0854% | 5,877 |
| Net loans and leases to total assets | 55.2325% | 4,248 |
| Net loans and leases to deposits | 65.4242% | 4,156 |
| Net loans and leases to core deposits | 67.9778% | 4,313 |
| Total domestic deposits to total assets | 84.4222% | 4,115 |
| Equity capital to assets | 14.5680% | 766 |
| Core capital (leverage) ratio | 15.0917% | 591 |
| Tier 1 risk-based capital ratio | 33.0978% | 411 |
| Total risk-based capital ratio | 34.3507% | 405 |
| Memoranda: | ||
| Average total assets | $149,700,000 | 3,706 |
| Average earning assets | $142,631,500 | 3,639 |
| Average equity | $21,508,500 | 2,995 |
| Average total loans | $84,086,000 | 3,842 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7176% | 6,536 |
| Cost of funding earning assets | 0.3251% | 5,377 |
| Net interest margin | 2.3925% | 6,453 |
| Noninterest income to average assets | 0.7945% | 2,105 |
| Noninterest expense to average assets | 2.4579% | 4,898 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4812% | 4,812 |
| Return on assets (ROA) | 0.4827% | 4,947 |
| Pretax return on assets | 0.6229% | 4,797 |
| Return on Equity (ROE) | 3.2997% | 5,402 |
| Retained earnings to average equity (ytd only) | 3.2997% | 3,885 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8345% | 2,173 |
| Assets per employee ($millions) | 6.1910% | 1,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2019% | 4,648 |
| Loan loss allowance to noncurrent loans | 1,652.4590% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.0411% | 6,248 |
| Noncurrent loans to loans | 0.0727% | 6,000 |
| Net loans and leases to total assets | 55.7641% | 4,349 |
| Net loans and leases to deposits | 65.6374% | 4,338 |
| Net loans and leases to core deposits | 68.8590% | 4,410 |
| Total domestic deposits to total assets | 84.9579% | 3,772 |
| Equity capital to assets | 14.1645% | 860 |
| Core capital (leverage) ratio | 15.1188% | 589 |
| Tier 1 risk-based capital ratio | 31.9024% | 432 |
| Total risk-based capital ratio | 33.1508% | 428 |
| Memoranda: | ||
| Average total assets | $149,151,200 | 3,719 |
| Average earning assets | $142,404,200 | 3,627 |
| Average equity | $21,820,400 | 2,942 |
| Average total loans | $84,375,400 | 3,813 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6818% | 6,629 |
| Cost of funding earning assets | 0.3318% | 5,453 |
| Net interest margin | 2.3500% | 6,556 |
| Noninterest income to average assets | 0.8645% | 1,879 |
| Noninterest expense to average assets | 2.4917% | 4,750 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4778% | 4,899 |
| Return on assets (ROA) | 0.4778% | 5,055 |
| Pretax return on assets | 0.6180% | 4,957 |
| Return on Equity (ROE) | 3.2403% | 5,516 |
| Retained earnings to average equity (ytd only) | 3.2403% | 4,371 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1264% | 2,074 |
| Assets per employee ($millions) | 6.2016% | 1,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1928% | 4,896 |
| Loan loss allowance to noncurrent loans | 1,680.0000% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.0403% | 6,352 |
| Noncurrent loans to loans | 0.0710% | 6,125 |
| Net loans and leases to total assets | 56.0989% | 4,310 |
| Net loans and leases to deposits | 66.1934% | 4,278 |
| Net loans and leases to core deposits | 69.2956% | 4,397 |
| Total domestic deposits to total assets | 84.7500% | 3,860 |
| Equity capital to assets | 14.4398% | 840 |
| Core capital (leverage) ratio | 15.0278% | 638 |
| Tier 1 risk-based capital ratio | 33.0235% | 397 |
| Total risk-based capital ratio | 34.2902% | 390 |
| Memoranda: | ||
| Average total assets | $149,293,250 | 3,758 |
| Average earning assets | $142,637,750 | 3,661 |
| Average equity | $22,014,000 | 2,962 |
| Average total loans | $84,503,250 | 3,848 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6717% | 6,672 |
| Cost of funding earning assets | 0.3320% | 5,549 |
| Net interest margin | 2.3396% | 6,593 |
| Noninterest income to average assets | 0.9676% | 1,610 |
| Noninterest expense to average assets | 2.5789% | 4,460 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4764% | 4,894 |
| Return on assets (ROA) | 0.4764% | 5,077 |
| Pretax return on assets | 0.6236% | 4,934 |
| Return on Equity (ROE) | 3.2089% | 5,541 |
| Retained earnings to average equity (ytd only) | 3.2089% | 4,268 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5265% | 2,085 |
| Assets per employee ($millions) | 6.0268% | 1,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2172% | 4,896 |
| Loan loss allowance to noncurrent loans | 1,866.6667% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.0358% | 6,410 |
| Noncurrent loans to loans | 0.0652% | 6,197 |
| Net loans and leases to total assets | 54.2938% | 4,546 |
| Net loans and leases to deposits | 63.8630% | 4,526 |
| Net loans and leases to core deposits | 66.8071% | 4,614 |
| Total domestic deposits to total assets | 85.0162% | 3,884 |
| Equity capital to assets | 14.2956% | 876 |
| Core capital (leverage) ratio | 14.7472% | 659 |
| Tier 1 risk-based capital ratio | 31.6944% | 452 |
| Total risk-based capital ratio | 32.9598% | 441 |
| Memoranda: | ||
| Average total assets | $149,444,670 | 3,785 |
| Average earning assets | $142,756,670 | 3,681 |
| Average equity | $22,188,000 | 2,962 |
| Average total loans | $84,502,670 | 3,863 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6877% | 6,738 |
| Cost of funding earning assets | 0.3434% | 5,612 |
| Net interest margin | 2.3444% | 6,648 |
| Noninterest income to average assets | 1.1127% | 1,200 |
| Noninterest expense to average assets | 2.6311% | 4,306 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5268% | 4,542 |
| Return on assets (ROA) | 0.5268% | 4,689 |
| Pretax return on assets | 0.7203% | 4,487 |
| Return on Equity (ROE) | 3.4825% | 5,352 |
| Retained earnings to average equity (ytd only) | 3.4825% | 4,162 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5084% | 2,534 |
| Assets per employee ($millions) | 6.2338% | 1,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1813% | 5,262 |
| 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 | 56.3599% | 4,029 |
| Net loans and leases to deposits | 66.9339% | 3,922 |
| Net loans and leases to core deposits | 69.6227% | 4,128 |
| Total domestic deposits to total assets | 84.2023% | 4,395 |
| Equity capital to assets | 15.0825% | 739 |
| Core capital (leverage) ratio | 14.8692% | 609 |
| Tier 1 risk-based capital ratio | 30.7123% | 503 |
| Total risk-based capital ratio | 31.9688% | 494 |
| Memoranda: | ||
| Average total assets | $148,832,500 | 3,836 |
| Average earning assets | $142,127,500 | 3,728 |
| Average equity | $22,512,500 | 2,980 |
| Average total loans | $85,348,000 | 3,860 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9432% | 6,802 |
| Cost of funding earning assets | 0.4161% | 5,812 |
| Net interest margin | 2.5271% | 6,696 |
| Noninterest income to average assets | 1.1688% | 1,149 |
| Noninterest expense to average assets | 2.6074% | 4,714 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6737% | 3,863 |
| Return on assets (ROA) | 0.6832% | 4,084 |
| Pretax return on assets | 0.9850% | 3,599 |
| Return on Equity (ROE) | 4.4971% | 4,935 |
| Retained earnings to average equity (ytd only) | 4.4971% | 3,068 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8630% | 3,264 |
| Assets per employee ($millions) | 5.9222% | 1,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1808% | 5,209 |
| 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 | 56.9788% | 4,120 |
| Net loans and leases to deposits | 67.7525% | 4,019 |
| Net loans and leases to core deposits | 70.9904% | 4,169 |
| Total domestic deposits to total assets | 84.0985% | 4,272 |
| Equity capital to assets | 15.1700% | 702 |
| Core capital (leverage) ratio | 14.9015% | 589 |
| Tier 1 risk-based capital ratio | 30.0664% | 513 |
| Total risk-based capital ratio | 31.3308% | 505 |
| Memoranda: | ||
| Average total assets | $144,167,600 | 3,878 |
| Average earning assets | $137,469,200 | 3,766 |
| Average equity | $21,902,800 | 2,988 |
| Average total loans | $78,959,200 | 4,071 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9619% | 6,915 |
| Cost of funding earning assets | 0.4269% | 5,951 |
| Net interest margin | 2.5350% | 6,804 |
| Noninterest income to average assets | 1.0326% | 1,420 |
| Noninterest expense to average assets | 2.4777% | 5,156 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6684% | 4,051 |
| Return on assets (ROA) | 0.6806% | 4,267 |
| Pretax return on assets | 0.9888% | 3,758 |
| Return on Equity (ROE) | 4.4783% | 5,050 |
| Retained earnings to average equity (ytd only) | 4.4783% | 3,747 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8413% | 3,356 |
| Assets per employee ($millions) | 6.1051% | 1,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2853% | 4,882 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 52.8378% | 4,939 |
| Net loans and leases to deposits | 62.8677% | 4,864 |
| Net loans and leases to core deposits | 66.0854% | 4,943 |
| Total domestic deposits to total assets | 84.0461% | 4,198 |
| Equity capital to assets | 15.1916% | 776 |
| Core capital (leverage) ratio | 14.8971% | 629 |
| Tier 1 risk-based capital ratio | 30.3307% | 516 |
| Total risk-based capital ratio | 31.5829% | 500 |
| Memoranda: | ||
| Average total assets | $143,195,750 | 3,935 |
| Average earning assets | $136,487,250 | 3,819 |
| Average equity | $21,763,500 | 3,027 |
| Average total loans | $77,357,000 | 4,152 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0185% | 6,967 |
| Cost of funding earning assets | 0.4403% | 6,029 |
| Net interest margin | 2.5782% | 6,841 |
| Noninterest income to average assets | 1.0247% | 1,392 |
| Noninterest expense to average assets | 2.4900% | 5,177 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6743% | 4,001 |
| Return on assets (ROA) | 0.6925% | 4,169 |
| Pretax return on assets | 1.0177% | 3,644 |
| Return on Equity (ROE) | 4.5559% | 5,011 |
| Retained earnings to average equity (ytd only) | 4.5559% | 3,573 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5326% | 3,514 |
| Assets per employee ($millions) | 5.9830% | 1,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3304% | 4,743 |
| Loan loss allowance to noncurrent loans | 1,028.5714% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.0682% | 6,645 |
| Noncurrent loans to loans | 0.1293% | 6,339 |
| Net loans and leases to total assets | 52.0649% | 5,089 |
| Net loans and leases to deposits | 61.8616% | 5,016 |
| Net loans and leases to core deposits | 65.1898% | 5,090 |
| Total domestic deposits to total assets | 84.1635% | 4,249 |
| Equity capital to assets | 15.2188% | 732 |
| Core capital (leverage) ratio | 15.0134% | 597 |
| Tier 1 risk-based capital ratio | 30.5097% | 499 |
| Total risk-based capital ratio | 31.7752% | 490 |
| Memoranda: | ||
| Average total assets | $142,087,000 | 3,970 |
| Average earning assets | $135,365,670 | 3,860 |
| Average equity | $21,598,330 | 3,033 |
| Average total loans | $77,000,330 | 4,186 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1047% | 6,999 |
| Cost of funding earning assets | 0.4610% | 6,078 |
| Net interest margin | 2.6438% | 6,840 |
| Noninterest income to average assets | 1.0217% | 1,371 |
| Noninterest expense to average assets | 2.6292% | 4,710 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6226% | 4,247 |
| Return on assets (ROA) | 0.6226% | 4,458 |
| Pretax return on assets | 0.9085% | 4,002 |
| Return on Equity (ROE) | 4.0986% | 5,249 |
| Retained earnings to average equity (ytd only) | 4.0986% | 4,134 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3200% | 3,045 |
| Assets per employee ($millions) | 5.9227% | 1,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3056% | 4,994 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 53.6041% | 4,788 |
| Net loans and leases to deposits | 63.6438% | 4,684 |
| Net loans and leases to core deposits | 66.5778% | 4,846 |
| Total domestic deposits to total assets | 84.2252% | 4,388 |
| Equity capital to assets | 15.1389% | 725 |
| Core capital (leverage) ratio | 14.9391% | 607 |
| Tier 1 risk-based capital ratio | 31.0862% | 488 |
| Total risk-based capital ratio | 32.3393% | 478 |
| Memoranda: | ||
| Average total assets | $141,334,500 | 4,010 |
| Average earning assets | $134,504,000 | 3,908 |
| Average equity | $21,471,000 | 3,046 |
| Average total loans | $77,616,000 | 4,193 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4174% | 7,040 |
| Cost of funding earning assets | 0.5433% | 6,371 |
| Net interest margin | 2.8741% | 6,729 |
| Noninterest income to average assets | 0.8148% | 1,983 |
| Noninterest expense to average assets | 2.7049% | 4,724 |
| Loan and lease loss provision to assets | -0.3491% | 7,323 |
| Net operating income to assets | 0.8362% | 2,891 |
| Return on assets (ROA) | 0.5924% | 4,217 |
| Pretax return on assets | 0.8443% | 3,805 |
| Return on Equity (ROE) | 3.9403% | 4,877 |
| Retained earnings to average equity (ytd only) | 3.9403% | 3,392 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2272% | 2,854 |
| Assets per employee ($millions) | 6.3875% | 1,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2918% | 4,947 |
| 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 | 54.8095% | 4,909 |
| Net loans and leases to deposits | 65.0263% | 4,868 |
| Net loans and leases to core deposits | 68.0007% | 5,027 |
| Total domestic deposits to total assets | 84.2882% | 4,196 |
| Equity capital to assets | 15.2450% | 730 |
| Core capital (leverage) ratio | 15.0186% | 602 |
| Tier 1 risk-based capital ratio | 29.1923% | 557 |
| Total risk-based capital ratio | 30.4435% | 546 |
| Memoranda: | ||
| Average total assets | $138,932,200 | 3,993 |
| Average earning assets | $132,146,000 | 3,886 |
| Average equity | $20,886,800 | 3,019 |
| Average total loans | $78,370,400 | 4,200 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4545% | 7,106 |
| Cost of funding earning assets | 0.5584% | 6,486 |
| Net interest margin | 2.8961% | 6,754 |
| Noninterest income to average assets | 0.7295% | 2,420 |
| Noninterest expense to average assets | 2.5678% | 5,209 |
| Loan and lease loss provision to assets | -0.4668% | 7,407 |
| Net operating income to assets | 0.9794% | 2,396 |
| Return on assets (ROA) | 0.6487% | 4,047 |
| Pretax return on assets | 0.9182% | 3,693 |
| Return on Equity (ROE) | 4.3302% | 4,851 |
| Retained earnings to average equity (ytd only) | 4.3302% | 3,648 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6813% | 3,242 |
| Assets per employee ($millions) | 6.3697% | 1,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3025% | 5,001 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 54.5075% | 5,089 |
| Net loans and leases to deposits | 64.5672% | 5,101 |
| Net loans and leases to core deposits | 67.3375% | 5,261 |
| Total domestic deposits to total assets | 84.4198% | 4,042 |
| Equity capital to assets | 15.0949% | 833 |
| Core capital (leverage) ratio | 14.9278% | 682 |
| Tier 1 risk-based capital ratio | 29.7087% | 557 |
| Total risk-based capital ratio | 30.9610% | 544 |
| Memoranda: | ||
| Average total assets | $138,534,000 | 4,030 |
| Average earning assets | $131,806,000 | 3,920 |
| Average equity | $20,752,750 | 3,045 |
| Average total loans | $78,455,750 | 4,226 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4678% | 7,178 |
| Cost of funding earning assets | 0.5790% | 6,546 |
| Net interest margin | 2.8888% | 6,808 |
| Noninterest income to average assets | 0.7000% | 2,553 |
| Noninterest expense to average assets | 2.5319% | 5,429 |
| Loan and lease loss provision to assets | -0.7029% | 7,488 |
| Net operating income to assets | 1.0712% | 1,968 |
| Return on assets (ROA) | 0.6072% | 4,158 |
| Pretax return on assets | 0.9159% | 3,563 |
| Return on Equity (ROE) | 4.0641% | 4,914 |
| Retained earnings to average equity (ytd only) | 4.0641% | 3,616 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4342% | 3,476 |
| Assets per employee ($millions) | 6.2807% | 1,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2794% | 5,153 |
| 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 | 56.2905% | 4,942 |
| Net loans and leases to deposits | 66.7147% | 4,894 |
| Net loans and leases to core deposits | 68.5637% | 5,232 |
| Total domestic deposits to total assets | 84.3750% | 4,180 |
| Equity capital to assets | 15.1184% | 792 |
| Core capital (leverage) ratio | 14.9595% | 671 |
| Tier 1 risk-based capital ratio | 28.5519% | 621 |
| Total risk-based capital ratio | 29.8030% | 608 |
| Memoranda: | ||
| Average total assets | $138,001,000 | 4,062 |
| Average earning assets | $131,263,670 | 3,953 |
| Average equity | $20,619,330 | 3,050 |
| Average total loans | $78,810,670 | 4,264 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4276% | 7,250 |
| Cost of funding earning assets | 0.6038% | 6,600 |
| Net interest margin | 2.8238% | 6,873 |
| Noninterest income to average assets | 0.7860% | 2,088 |
| Noninterest expense to average assets | 2.6132% | 5,169 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5685% | 4,185 |
| Return on assets (ROA) | 0.5685% | 4,259 |
| Pretax return on assets | 0.8585% | 3,669 |
| Return on Equity (ROE) | 3.8274% | 4,990 |
| Retained earnings to average equity (ytd only) | 3.8274% | 3,875 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2715% | 3,290 |
| Assets per employee ($millions) | 6.6020% | 882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2761% | 5,263 |
| 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 | 56.2489% | 4,957 |
| Net loans and leases to deposits | 66.4299% | 4,904 |
| Net loans and leases to core deposits | 68.6098% | 5,215 |
| Total domestic deposits to total assets | 84.6741% | 4,196 |
| Equity capital to assets | 14.8333% | 801 |
| Core capital (leverage) ratio | 14.7383% | 705 |
| Tier 1 risk-based capital ratio | 29.2223% | 559 |
| Total risk-based capital ratio | 30.4751% | 547 |
| Memoranda: | ||
| Average total assets | $137,913,500 | 4,098 |
| Average earning assets | $131,171,500 | 3,997 |
| Average equity | $20,484,000 | 3,054 |
| Average total loans | $78,822,000 | 4,299 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0132% | 7,123 |
| Cost of funding earning assets | 0.7887% | 6,616 |
| Net interest margin | 3.2245% | 6,206 |
| Noninterest income to average assets | 1.1683% | 1,083 |
| Noninterest expense to average assets | 2.6613% | 5,169 |
| Loan and lease loss provision to assets | 0.1142% | 6,021 |
| Net operating income to assets | 0.8950% | 2,416 |
| Return on assets (ROA) | 0.8378% | 2,780 |
| Pretax return on assets | 1.3660% | 1,746 |
| Return on Equity (ROE) | 5.5979% | 3,790 |
| Retained earnings to average equity (ytd only) | 5.5979% | 2,062 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9018% | 5,539 |
| Assets per employee ($millions) | 6.2357% | 1,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2816% | 5,098 |
| 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 | 56.5976% | 5,243 |
| Net loans and leases to deposits | 66.8826% | 5,278 |
| Net loans and leases to core deposits | 70.1581% | 5,430 |
| Total domestic deposits to total assets | 84.6223% | 4,047 |
| Equity capital to assets | 14.8725% | 821 |
| Core capital (leverage) ratio | 14.7546% | 702 |
| Tier 1 risk-based capital ratio | 28.6038% | 564 |
| Total risk-based capital ratio | 29.8562% | 553 |
| Memoranda: | ||
| Average total assets | $133,093,800 | 4,198 |
| Average earning assets | $126,407,400 | 4,095 |
| Average equity | $19,918,200 | 3,157 |
| Average total loans | $85,126,400 | 4,180 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1361% | 7,165 |
| Cost of funding earning assets | 0.8240% | 6,672 |
| Net interest margin | 3.3121% | 5,974 |
| Noninterest income to average assets | 0.9702% | 1,550 |
| Noninterest expense to average assets | 2.5642% | 5,451 |
| Loan and lease loss provision to assets | 0.1151% | 5,878 |
| Net operating income to assets | 0.8736% | 2,717 |
| Return on assets (ROA) | 0.7935% | 3,192 |
| Pretax return on assets | 1.3104% | 2,140 |
| Return on Equity (ROE) | 5.2936% | 4,146 |
| Retained earnings to average equity (ytd only) | 5.2936% | 2,780 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3160% | 5,560 |
| Assets per employee ($millions) | 6.4267% | 1,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1566% | 5,682 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 61.4249% | 4,644 |
| Net loans and leases to deposits | 72.7089% | 4,736 |
| Net loans and leases to core deposits | 75.9740% | 5,063 |
| Total domestic deposits to total assets | 84.4806% | 3,877 |
| Equity capital to assets | 15.0252% | 885 |
| Core capital (leverage) ratio | 14.7669% | 764 |
| Tier 1 risk-based capital ratio | 27.4653% | 663 |
| Total risk-based capital ratio | 28.7164% | 655 |
| Memoranda: | ||
| Average total assets | $132,070,750 | 4,275 |
| Average earning assets | $125,397,500 | 4,172 |
| Average equity | $19,797,000 | 3,213 |
| Average total loans | $86,745,000 | 4,206 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2268% | 7,141 |
| Cost of funding earning assets | 0.8470% | 6,770 |
| Net interest margin | 3.3798% | 5,716 |
| Noninterest income to average assets | 0.8512% | 1,878 |
| Noninterest expense to average assets | 2.5521% | 5,516 |
| Loan and lease loss provision to assets | 0.1159% | 5,741 |
| Net operating income to assets | 0.8185% | 2,886 |
| Return on assets (ROA) | 0.6926% | 3,588 |
| Pretax return on assets | 1.1944% | 2,437 |
| Return on Equity (ROE) | 4.6240% | 4,476 |
| Retained earnings to average equity (ytd only) | 4.6240% | 3,126 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8711% | 5,543 |
| Assets per employee ($millions) | 6.3609% | 1,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1033% | 5,924 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 62.6094% | 4,555 |
| Net loans and leases to deposits | 73.9827% | 4,678 |
| Net loans and leases to core deposits | 76.4896% | 5,141 |
| Total domestic deposits to total assets | 84.6271% | 3,807 |
| Equity capital to assets | 14.9372% | 897 |
| Core capital (leverage) ratio | 14.6770% | 787 |
| Tier 1 risk-based capital ratio | 27.1309% | 688 |
| Total risk-based capital ratio | 28.4011% | 675 |
| Memoranda: | ||
| Average total assets | $131,107,670 | 4,321 |
| Average earning assets | $124,445,330 | 4,219 |
| Average equity | $19,636,670 | 3,225 |
| Average total loans | $87,703,670 | 4,204 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3227% | 7,098 |
| Cost of funding earning assets | 0.8568% | 6,914 |
| Net interest margin | 3.4660% | 5,306 |
| Noninterest income to average assets | 0.9394% | 1,487 |
| Noninterest expense to average assets | 2.6180% | 5,276 |
| Loan and lease loss provision to assets | 0.1170% | 5,434 |
| Net operating income to assets | 0.9497% | 2,360 |
| Return on assets (ROA) | 0.9517% | 2,422 |
| Pretax return on assets | 1.4969% | 1,530 |
| Return on Equity (ROE) | 6.3455% | 3,706 |
| Retained earnings to average equity (ytd only) | 6.3455% | 2,449 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9082% | 5,850 |
| Assets per employee ($millions) | 6.2559% | 1,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0033% | 6,447 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 67.2223% | 3,571 |
| Net loans and leases to deposits | 79.4194% | 3,760 |
| Net loans and leases to core deposits | 82.6010% | 4,406 |
| Total domestic deposits to total assets | 84.6422% | 3,834 |
| Equity capital to assets | 14.9536% | 892 |
| Core capital (leverage) ratio | 14.8866% | 771 |
| Tier 1 risk-based capital ratio | 27.7546% | 653 |
| Total risk-based capital ratio | 29.0257% | 643 |
| Memoranda: | ||
| Average total assets | $129,872,000 | 4,415 |
| Average earning assets | $123,255,000 | 4,297 |
| Average equity | $19,478,500 | 3,269 |
| Average total loans | $89,272,500 | 4,220 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6259% | 7,250 |
| Cost of funding earning assets | 1.2853% | 6,360 |
| Net interest margin | 3.3407% | 5,582 |
| Noninterest income to average assets | 0.9385% | 1,794 |
| Noninterest expense to average assets | 2.6980% | 5,405 |
| Loan and lease loss provision to assets | 0.1190% | 6,455 |
| Net operating income to assets | 0.7522% | 2,711 |
| Return on assets (ROA) | 0.7754% | 2,714 |
| Pretax return on assets | 1.3261% | 1,623 |
| Return on Equity (ROE) | 5.3123% | 3,526 |
| Retained earnings to average equity (ytd only) | 5.3123% | 1,670 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6946% | 5,455 |
| Assets per employee ($millions) | 6.4186% | 1,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9604% | 6,578 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 68.9252% | 3,507 |
| Net loans and leases to deposits | 81.5446% | 3,687 |
| Net loans and leases to core deposits | 95.9643% | 4,472 |
| Total domestic deposits to total assets | 84.5245% | 3,788 |
| Equity capital to assets | 15.0439% | 900 |
| Core capital (leverage) ratio | 14.9837% | 792 |
| Tier 1 risk-based capital ratio | 27.0919% | 697 |
| Total risk-based capital ratio | 28.3012% | 684 |
| Memoranda: | ||
| Average total assets | $126,909,000 | 4,401 |
| Average earning assets | $120,365,200 | 4,305 |
| Average equity | $18,523,000 | 3,419 |
| Average total loans | $89,082,400 | 4,236 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6773% | 7,319 |
| Cost of funding earning assets | 1.3729% | 6,323 |
| Net interest margin | 3.3044% | 5,624 |
| Noninterest income to average assets | 0.9714% | 1,704 |
| Noninterest expense to average assets | 2.7879% | 4,939 |
| Loan and lease loss provision to assets | 0.1191% | 6,176 |
| Net operating income to assets | 0.6651% | 3,334 |
| Return on assets (ROA) | 0.6954% | 3,280 |
| Pretax return on assets | 1.2464% | 2,117 |
| Return on Equity (ROE) | 4.8019% | 4,045 |
| Retained earnings to average equity (ytd only) | 4.8019% | 2,605 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8984% | 5,002 |
| Assets per employee ($millions) | 6.1353% | 1,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9091% | 6,724 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 69.3739% | 3,637 |
| Net loans and leases to deposits | 81.8959% | 4,045 |
| Net loans and leases to core deposits | 98.5697% | 4,543 |
| Total domestic deposits to total assets | 84.7098% | 3,369 |
| Equity capital to assets | 14.7841% | 1,070 |
| Core capital (leverage) ratio | 14.6746% | 921 |
| Tier 1 risk-based capital ratio | 28.5714% | 643 |
| Total risk-based capital ratio | 29.8122% | 629 |
| Memoranda: | ||
| Average total assets | $126,543,500 | 4,434 |
| Average earning assets | $120,037,750 | 4,346 |
| Average equity | $18,325,750 | 3,478 |
| Average total loans | $89,018,500 | 4,279 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7395% | 7,335 |
| Cost of funding earning assets | 1.4729% | 6,246 |
| Net interest margin | 3.2666% | 5,680 |
| Noninterest income to average assets | 1.1178% | 1,270 |
| Noninterest expense to average assets | 2.8002% | 4,959 |
| Loan and lease loss provision to assets | 0.1193% | 5,935 |
| Net operating income to assets | 0.6655% | 3,410 |
| Return on assets (ROA) | 0.6726% | 3,487 |
| Pretax return on assets | 1.3023% | 2,019 |
| Return on Equity (ROE) | 4.6779% | 4,221 |
| Retained earnings to average equity (ytd only) | 4.6779% | 2,695 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5030% | 5,459 |
| Assets per employee ($millions) | 6.4232% | 995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8707% | 6,903 |
| 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 | 69.3891% | 3,851 |
| Net loans and leases to deposits | 82.3130% | 4,173 |
| Net loans and leases to core deposits | 96.6612% | 4,829 |
| Total domestic deposits to total assets | 84.2991% | 3,595 |
| Equity capital to assets | 14.4468% | 1,177 |
| Core capital (leverage) ratio | 14.3110% | 1,064 |
| Tier 1 risk-based capital ratio | 28.0501% | 711 |
| Total risk-based capital ratio | 29.2467% | 700 |
| Memoranda: | ||
| Average total assets | $125,777,670 | 4,485 |
| Average earning assets | $119,083,330 | 4,394 |
| Average equity | $18,085,000 | 3,536 |
| Average total loans | $88,624,000 | 4,312 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8797% | 7,219 |
| Cost of funding earning assets | 1.5833% | 6,096 |
| Net interest margin | 3.2963% | 5,510 |
| Noninterest income to average assets | 0.9258% | 1,751 |
| Noninterest expense to average assets | 2.6134% | 5,397 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6720% | 3,698 |
| Return on assets (ROA) | 0.6493% | 3,986 |
| Pretax return on assets | 1.3823% | 2,016 |
| Return on Equity (ROE) | 4.5271% | 4,695 |
| Retained earnings to average equity (ytd only) | 4.5271% | 3,411 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8325% | 5,535 |
| Assets per employee ($millions) | 5.7771% | 1,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7917% | 7,187 |
| 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 | 69.8073% | 3,720 |
| Net loans and leases to deposits | 82.6283% | 4,192 |
| Net loans and leases to core deposits | 99.9403% | 4,546 |
| Total domestic deposits to total assets | 84.4835% | 3,467 |
| Equity capital to assets | 14.2655% | 1,290 |
| Core capital (leverage) ratio | 14.2918% | 1,134 |
| Tier 1 risk-based capital ratio | 25.5524% | 926 |
| Total risk-based capital ratio | 26.5477% | 924 |
| Memoranda: | ||
| Average total assets | $124,434,500 | 4,528 |
| Average earning assets | $117,221,500 | 4,451 |
| Average equity | $17,848,000 | 3,585 |
| Average total loans | $87,974,500 | 4,360 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1121% | 7,760 |
| Cost of funding earning assets | 2.0224% | 6,338 |
| Net interest margin | 3.0896% | 6,680 |
| Noninterest income to average assets | 0.6239% | 3,684 |
| Noninterest expense to average assets | 2.3493% | 6,570 |
| Loan and lease loss provision to assets | 0.3945% | 3,330 |
| Net operating income to assets | 0.3138% | 5,499 |
| Return on assets (ROA) | 0.1863% | 5,714 |
| Pretax return on assets | 0.5987% | 4,698 |
| Return on Equity (ROE) | 1.2709% | 5,838 |
| Retained earnings to average equity (ytd only) | 1.2709% | 4,456 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3298% | 5,056 |
| Assets per employee ($millions) | 6.4091% | 923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8183% | 7,030 |
| 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 | 70.4678% | 3,909 |
| Net loans and leases to deposits | 83.5695% | 4,488 |
| Net loans and leases to core deposits | 101.2137% | 4,699 |
| Total domestic deposits to total assets | 84.3223% | 3,167 |
| Equity capital to assets | 14.4245% | 1,319 |
| Core capital (leverage) ratio | 14.5382% | 1,132 |
| Tier 1 risk-based capital ratio | 25.8479% | 917 |
| Total risk-based capital ratio | 26.8802% | 908 |
| Memoranda: | ||
| Average total assets | $122,932,400 | 4,447 |
| Average earning assets | $116,097,400 | 4,362 |
| Average equity | $18,018,600 | 3,553 |
| Average total loans | $85,604,600 | 4,341 |