Home > Freehold Bank > Performance and Condition Ratios
Freehold Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9435% | 4,039 |
| Cost of funding earning assets | 1.7077% | 1,435 |
| Net interest margin | 2.2358% | 4,296 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 1.8467% | 3,925 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.2513% | 4,095 |
| Return on assets (ROA) | 0.2513% | 4,103 |
| Pretax return on assets | 0.2726% | 4,116 |
| Return on Equity (ROE) | 1.7600% | 4,176 |
| Retained earnings to average equity (ytd only) | 1.7641% | 3,637 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 86.0619% | 558 |
| Assets per employee ($millions) | 13.0553% | 322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7537% | 4,048 |
| Loan loss allowance to noncurrent loans | 1,035.6061% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.0440% | 3,309 |
| Noncurrent loans to loans | 0.0728% | 3,197 |
| Net loans and leases to total assets | 59.9500% | 2,844 |
| Net loans and leases to deposits | 92.0717% | 1,085 |
| Net loans and leases to core deposits | 103.4581% | 1,246 |
| Total domestic deposits to total assets | 65.1100% | 4,390 |
| Equity capital to assets | 14.4486% | 610 |
| Core capital (leverage) ratio | 15.2677% | 580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4874% | 511 |
| Memoranda: | ||
| Average total assets | $294,906,400 | 2,445 |
| Average earning assets | $266,438,000 | 2,480 |
| Average equity | $42,005,000 | 1,813 |
| Average total loans | $177,360,600 | 2,471 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 36,760.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 39,960.0000% | 20 |
| Cost of funding earning assets | -77.0000% | 4,638 |
| Net interest margin | 35.0000% | 4 |
| Noninterest income to average assets | 0.0196% | 4,530 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0000% | 4,375 |
| Return on assets (ROA) | 0.2484% | 4,188 |
| Pretax return on assets | 0.3220% | 4,144 |
| Return on Equity (ROE) | 1.7500% | 4,232 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 3.0000% | 2,048 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 15.9521% | 4,562 |
| Assets per employee ($millions) | 0.2264% | 4,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 199.0000% | 4 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 0.0000% | 4,500 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 90.0000% | 937 |
| Equity capital to assets | 35,281.0000% | 12 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $5,209,000 | 4,607 |
| Average earning assets | $11,225 | 4,584 |
| Average equity | $0 | 4,568 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7780% | 4,051 |
| Cost of funding earning assets | 1.3877% | 1,481 |
| Net interest margin | 2.3904% | 4,307 |
| Noninterest income to average assets | 0.1300% | 4,181 |
| Noninterest expense to average assets | 1.9325% | 3,749 |
| Loan and lease loss provision to assets | -0.0400% | 4,482 |
| Net operating income to assets | 0.2993% | 4,158 |
| Return on assets (ROA) | 0.2993% | 4,187 |
| Pretax return on assets | 0.3943% | 4,126 |
| Return on Equity (ROE) | 2.1000% | 4,262 |
| Retained earnings to average equity (ytd only) | 2.1026% | 3,704 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 84.4431% | 572 |
| Assets per employee ($millions) | 12.1618% | 361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7569% | 4,091 |
| Loan loss allowance to noncurrent loans | 999.2537% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.0459% | 3,311 |
| Noncurrent loans to loans | 0.0757% | 3,145 |
| Net loans and leases to total assets | 60.1500% | 2,756 |
| Net loans and leases to deposits | 83.4694% | 1,723 |
| Net loans and leases to core deposits | 93.7998% | 1,578 |
| Total domestic deposits to total assets | 72.0600% | 4,290 |
| Equity capital to assets | 14.3448% | 596 |
| Core capital (leverage) ratio | 15.3270% | 549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5982% | 515 |
| Memoranda: | ||
| Average total assets | $292,670,333 | 2,466 |
| Average earning assets | $264,475,333 | 2,501 |
| Average equity | $41,662,333 | 1,823 |
| Average total loans | $174,108,667 | 2,492 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6975% | 4,023 |
| Cost of funding earning assets | 1.2254% | 1,389 |
| Net interest margin | 2.4720% | 4,331 |
| Noninterest income to average assets | 0.1200% | 4,272 |
| Noninterest expense to average assets | 1.9286% | 3,796 |
| Loan and lease loss provision to assets | -0.0600% | 4,531 |
| Net operating income to assets | 0.3644% | 4,147 |
| Return on assets (ROA) | 0.3644% | 4,099 |
| Pretax return on assets | 0.4791% | 4,021 |
| Return on Equity (ROE) | 2.5700% | 4,233 |
| Retained earnings to average equity (ytd only) | 2.5699% | 3,586 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 82.0081% | 703 |
| Assets per employee ($millions) | 12.2110% | 375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7689% | 4,138 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 58.7400% | 2,793 |
| Net loans and leases to deposits | 79.4664% | 1,856 |
| Net loans and leases to core deposits | 88.2985% | 1,723 |
| Total domestic deposits to total assets | 73.9200% | 4,290 |
| Equity capital to assets | 14.3221% | 551 |
| Core capital (leverage) ratio | 15.2237% | 551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8183% | 514 |
| Memoranda: | ||
| Average total assets | $293,064,500 | 2,500 |
| Average earning assets | $265,046,000 | 2,534 |
| Average equity | $41,558,500 | 1,851 |
| Average total loans | $172,710,000 | 2,524 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5437% | 2,959 |
| Cost of funding earning assets | 0.6121% | 855 |
| Net interest margin | 2.9316% | 3,607 |
| Noninterest income to average assets | 0.1200% | 4,342 |
| Noninterest expense to average assets | 1.7186% | 4,144 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 0.7959% | 3,342 |
| Return on assets (ROA) | 0.7959% | 3,271 |
| Pretax return on assets | 0.9384% | 3,250 |
| Return on Equity (ROE) | 5.4000% | 3,946 |
| Retained earnings to average equity (ytd only) | 5.4016% | 2,871 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 61.8743% | 2,779 |
| Assets per employee ($millions) | 12.2110% | 365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7835% | 4,070 |
| Loan loss allowance to noncurrent loans | 3,285.3659% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.0140% | 3,733 |
| Noncurrent loans to loans | 0.0238% | 3,625 |
| Net loans and leases to total assets | 58.2100% | 2,803 |
| Net loans and leases to deposits | 78.4502% | 1,902 |
| Net loans and leases to core deposits | 87.5029% | 1,649 |
| Total domestic deposits to total assets | 74.1900% | 4,346 |
| Equity capital to assets | 14.0393% | 575 |
| Core capital (leverage) ratio | 15.1931% | 543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9268% | 484 |
| Memoranda: | ||
| Average total assets | $292,745,000 | 2,486 |
| Average earning assets | $265,144,800 | 2,523 |
| Average equity | $43,135,400 | 1,815 |
| Average total loans | $162,268,800 | 2,522 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5088% | 2,593 |
| Cost of funding earning assets | 0.5213% | 674 |
| Net interest margin | 2.9875% | 3,249 |
| Noninterest income to average assets | 0.1200% | 4,379 |
| Noninterest expense to average assets | 1.7335% | 4,105 |
| Loan and lease loss provision to assets | 0.1700% | 564 |
| Net operating income to assets | 0.7544% | 3,406 |
| Return on assets (ROA) | 0.7544% | 3,358 |
| Pretax return on assets | 0.9294% | 3,239 |
| Return on Equity (ROE) | 5.0600% | 3,970 |
| Retained earnings to average equity (ytd only) | 5.0602% | 3,081 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.2721% | 2,936 |
| Assets per employee ($millions) | 12.7278% | 325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7947% | 4,103 |
| Loan loss allowance to noncurrent loans | 3,168.2927% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.0140% | 3,827 |
| Noncurrent loans to loans | 0.0251% | 3,723 |
| Net loans and leases to total assets | 55.3900% | 2,962 |
| Net loans and leases to deposits | 77.9796% | 1,711 |
| Net loans and leases to core deposits | 86.5409% | 1,496 |
| Total domestic deposits to total assets | 71.0300% | 4,521 |
| Equity capital to assets | 13.8601% | 577 |
| Core capital (leverage) ratio | 15.1475% | 531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8498% | 500 |
| Memoranda: | ||
| Average total assets | $292,665,250 | 2,504 |
| Average earning assets | $265,227,500 | 2,539 |
| Average equity | $43,633,250 | 1,830 |
| Average total loans | $159,854,500 | 2,547 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5858% | 1,886 |
| Cost of funding earning assets | 0.4809% | 586 |
| Net interest margin | 3.1049% | 2,520 |
| Noninterest income to average assets | 0.1223% | 4,387 |
| Noninterest expense to average assets | 1.7045% | 4,141 |
| Loan and lease loss provision to assets | 0.4087% | 144 |
| Net operating income to assets | 0.6882% | 3,346 |
| Return on assets (ROA) | 0.6882% | 3,303 |
| Pretax return on assets | 0.8290% | 3,254 |
| Return on Equity (ROE) | 4.5103% | 3,909 |
| Retained earnings to average equity (ytd only) | 4.5103% | 2,878 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9326% | 3,571 |
| Assets per employee ($millions) | 12.5940% | 318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8296% | 4,127 |
| Loan loss allowance to noncurrent loans | 3,307.3171% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.0142% | 3,881 |
| Noncurrent loans to loans | 0.0251% | 3,770 |
| Net loans and leases to total assets | 55.9614% | 2,764 |
| Net loans and leases to deposits | 79.0415% | 1,462 |
| Net loans and leases to core deposits | 86.2343% | 1,327 |
| Total domestic deposits to total assets | 70.8001% | 4,606 |
| Equity capital to assets | 14.5863% | 457 |
| Core capital (leverage) ratio | 14.7106% | 514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1104% | 473 |
| Memoranda: | ||
| Average total assets | $292,640,667 | 2,520 |
| Average earning assets | $265,770,667 | 2,564 |
| Average equity | $44,653,000 | 1,845 |
| Average total loans | $158,656,333 | 2,562 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0179% | 748 |
| Cost of funding earning assets | 0.4781% | 556 |
| Net interest margin | 3.5398% | 1,009 |
| Noninterest income to average assets | 0.1238% | 4,388 |
| Noninterest expense to average assets | 1.4361% | 4,494 |
| Loan and lease loss provision to assets | 0.3413% | 170 |
| Net operating income to assets | 1.2443% | 1,132 |
| Return on assets (ROA) | 1.2443% | 1,117 |
| Pretax return on assets | 1.5680% | 884 |
| Return on Equity (ROE) | 7.9819% | 2,699 |
| Retained earnings to average equity (ytd only) | 7.9819% | 1,592 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9268% | 4,586 |
| Assets per employee ($millions) | 13.3715% | 287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5101% | 4,579 |
| Loan loss allowance to noncurrent loans | 1,929.2683% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.0139% | 3,923 |
| Noncurrent loans to loans | 0.0264% | 3,807 |
| Net loans and leases to total assets | 52.4407% | 2,949 |
| Net loans and leases to deposits | 71.8373% | 1,793 |
| Net loans and leases to core deposits | 78.2335% | 1,596 |
| Total domestic deposits to total assets | 72.9993% | 4,600 |
| Equity capital to assets | 15.0241% | 392 |
| Core capital (leverage) ratio | 14.6533% | 485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1244% | 483 |
| Memoranda: | ||
| Average total assets | $294,130,000 | 2,522 |
| Average earning assets | $267,700,500 | 2,567 |
| Average equity | $45,854,000 | 1,857 |
| Average total loans | $156,257,000 | 2,580 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2166% | 3,436 |
| Cost of funding earning assets | 0.8366% | 163 |
| Net interest margin | 2.3801% | 4,344 |
| Noninterest income to average assets | 0.1192% | 4,535 |
| Noninterest expense to average assets | 2.2172% | 3,020 |
| Loan and lease loss provision to assets | 0.0221% | 2,630 |
| Net operating income to assets | 0.1077% | 4,617 |
| Return on assets (ROA) | 0.1077% | 4,624 |
| Pretax return on assets | 0.1113% | 4,627 |
| Return on Equity (ROE) | 0.7937% | 4,622 |
| Retained earnings to average equity (ytd only) | 0.7937% | 4,308 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3246% | 228 |
| Assets per employee ($millions) | 11.7634% | 424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0076% | 4,782 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 53.5367% | 2,906 |
| Net loans and leases to deposits | 74.4398% | 1,691 |
| Net loans and leases to core deposits | 80.8516% | 1,528 |
| Total domestic deposits to total assets | 71.9194% | 4,643 |
| Equity capital to assets | 16.1555% | 365 |
| Core capital (leverage) ratio | 13.7112% | 663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8754% | 499 |
| Memoranda: | ||
| Average total assets | $303,579,000 | 2,420 |
| Average earning assets | $284,614,200 | 2,403 |
| Average equity | $41,201,200 | 2,041 |
| Average total loans | $157,699,800 | 2,568 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9857% | 4,030 |
| Cost of funding earning assets | 0.8696% | 181 |
| Net interest margin | 2.1161% | 4,617 |
| Noninterest income to average assets | 0.1129% | 4,612 |
| Noninterest expense to average assets | 1.7087% | 4,317 |
| Loan and lease loss provision to assets | 0.0239% | 2,517 |
| Net operating income to assets | 0.2802% | 4,546 |
| Return on assets (ROA) | 0.2802% | 4,569 |
| Pretax return on assets | 0.3770% | 4,518 |
| Return on Equity (ROE) | 2.1636% | 4,575 |
| Retained earnings to average equity (ytd only) | 2.1636% | 4,147 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9957% | 699 |
| Assets per employee ($millions) | 12.4708% | 338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7344% | 4,441 |
| 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 | 53.1505% | 3,064 |
| Net loans and leases to deposits | 80.2709% | 1,262 |
| Net loans and leases to core deposits | 87.1326% | 1,211 |
| Total domestic deposits to total assets | 66.2140% | 4,794 |
| Equity capital to assets | 12.8245% | 1,044 |
| Core capital (leverage) ratio | 13.2482% | 785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $305,952,250 | 2,436 |
| Average earning assets | $288,705,000 | 2,411 |
| Average equity | $39,623,750 | 2,122 |
| Average total loans | $157,760,750 | 2,602 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9826% | 4,077 |
| Cost of funding earning assets | 0.9128% | 176 |
| Net interest margin | 2.0698% | 4,669 |
| Noninterest income to average assets | 0.1132% | 4,635 |
| Noninterest expense to average assets | 1.7986% | 4,185 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.2033% | 4,631 |
| Return on assets (ROA) | 0.2033% | 4,646 |
| Pretax return on assets | 0.2671% | 4,620 |
| Return on Equity (ROE) | 1.5644% | 4,643 |
| Retained earnings to average equity (ytd only) | 1.5644% | 4,228 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0701% | 431 |
| Assets per employee ($millions) | 12.2220% | 330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7423% | 4,465 |
| 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 | 51.2451% | 3,424 |
| Net loans and leases to deposits | 77.2627% | 1,702 |
| Net loans and leases to core deposits | 84.0354% | 1,555 |
| Total domestic deposits to total assets | 66.3259% | 4,814 |
| Equity capital to assets | 12.9760% | 954 |
| Core capital (leverage) ratio | 13.0417% | 791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $304,012,667 | 2,437 |
| Average earning assets | $286,794,333 | 2,417 |
| Average equity | $39,504,000 | 2,115 |
| Average total loans | $154,703,000 | 2,641 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9479% | 4,189 |
| Cost of funding earning assets | 0.9551% | 169 |
| Net interest margin | 1.9928% | 4,734 |
| Noninterest income to average assets | 0.1108% | 4,642 |
| Noninterest expense to average assets | 1.6620% | 4,446 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2427% | 4,602 |
| Return on assets (ROA) | 0.2427% | 4,623 |
| Pretax return on assets | 0.3258% | 4,574 |
| Return on Equity (ROE) | 1.8665% | 4,621 |
| Retained earnings to average equity (ytd only) | 1.8665% | 4,039 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6098% | 617 |
| Assets per employee ($millions) | 11.9934% | 348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7512% | 4,484 |
| 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 | 51.6004% | 3,485 |
| Net loans and leases to deposits | 78.4413% | 1,677 |
| Net loans and leases to core deposits | 85.4053% | 1,562 |
| Total domestic deposits to total assets | 65.7822% | 4,843 |
| Equity capital to assets | 13.1819% | 864 |
| Core capital (leverage) ratio | 12.9620% | 851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $303,244,500 | 2,427 |
| Average earning assets | $285,630,000 | 2,405 |
| Average equity | $39,432,000 | 2,109 |
| Average total loans | $153,179,500 | 2,657 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9815% | 4,645 |
| Cost of funding earning assets | 1.2508% | 223 |
| Net interest margin | 1.7307% | 4,891 |
| Noninterest income to average assets | 0.1423% | 4,582 |
| Noninterest expense to average assets | 1.5449% | 4,748 |
| Loan and lease loss provision to assets | 0.0705% | 3,501 |
| Net operating income to assets | 0.1290% | 4,648 |
| Return on assets (ROA) | 0.1954% | 4,639 |
| Pretax return on assets | 0.2225% | 4,635 |
| Return on Equity (ROE) | 1.4987% | 4,624 |
| Retained earnings to average equity (ytd only) | 1.4987% | 4,033 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6611% | 458 |
| Assets per employee ($millions) | 12.2662% | 303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7782% | 4,465 |
| 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 | 48.6871% | 3,928 |
| Net loans and leases to deposits | 74.5621% | 2,429 |
| Net loans and leases to core deposits | 82.0038% | 2,190 |
| Total domestic deposits to total assets | 65.2974% | 4,858 |
| Equity capital to assets | 12.8288% | 1,165 |
| Core capital (leverage) ratio | 12.6587% | 987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $299,369,000 | 2,295 |
| Average earning assets | $280,226,400 | 2,290 |
| Average equity | $39,033,200 | 2,052 |
| Average total loans | $141,863,200 | 2,732 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9540% | 4,766 |
| Cost of funding earning assets | 1.2865% | 261 |
| Net interest margin | 1.6675% | 4,951 |
| Noninterest income to average assets | 0.1524% | 4,533 |
| Noninterest expense to average assets | 1.5132% | 4,792 |
| Loan and lease loss provision to assets | 0.0944% | 3,136 |
| Net operating income to assets | 0.0967% | 4,704 |
| Return on assets (ROA) | 0.1909% | 4,650 |
| Pretax return on assets | 0.2052% | 4,653 |
| Return on Equity (ROE) | 1.4580% | 4,629 |
| Retained earnings to average equity (ytd only) | 1.4580% | 4,095 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4031% | 405 |
| Assets per employee ($millions) | 12.3900% | 297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7730% | 4,428 |
| 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 | 48.5314% | 4,190 |
| Net loans and leases to deposits | 75.9921% | 2,752 |
| Net loans and leases to core deposits | 83.8204% | 2,492 |
| Total domestic deposits to total assets | 63.8638% | 4,892 |
| Equity capital to assets | 12.6492% | 1,350 |
| Core capital (leverage) ratio | 12.8841% | 975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $297,547,750 | 2,292 |
| Average earning assets | $278,256,750 | 2,284 |
| Average equity | $38,956,500 | 2,049 |
| Average total loans | $139,711,000 | 2,760 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0358% | 4,825 |
| Cost of funding earning assets | 1.3261% | 320 |
| Net interest margin | 1.7098% | 4,996 |
| Noninterest income to average assets | 0.1165% | 4,716 |
| Noninterest expense to average assets | 1.5456% | 4,821 |
| Loan and lease loss provision to assets | 0.1356% | 2,658 |
| Net operating income to assets | 0.0312% | 4,750 |
| Return on assets (ROA) | 0.1745% | 4,648 |
| Pretax return on assets | 0.1867% | 4,646 |
| Return on Equity (ROE) | 1.3168% | 4,648 |
| Retained earnings to average equity (ytd only) | 1.3168% | 4,002 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1789% | 382 |
| Assets per employee ($millions) | 12.9482% | 252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7865% | 4,371 |
| 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 | 49.0949% | 4,202 |
| Net loans and leases to deposits | 79.4083% | 2,503 |
| Net loans and leases to core deposits | 87.1994% | 2,329 |
| Total domestic deposits to total assets | 61.8259% | 4,943 |
| Equity capital to assets | 13.0993% | 1,125 |
| Core capital (leverage) ratio | 12.9420% | 1,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $293,480,333 | 2,289 |
| Average earning assets | $274,190,667 | 2,284 |
| Average equity | $38,881,667 | 2,044 |
| Average total loans | $135,782,333 | 2,795 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0873% | 4,918 |
| Cost of funding earning assets | 1.3685% | 456 |
| Net interest margin | 1.7187% | 5,056 |
| Noninterest income to average assets | 0.1208% | 4,753 |
| Noninterest expense to average assets | 1.5804% | 4,870 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.1703% | 4,571 |
| Return on assets (ROA) | 0.1703% | 4,576 |
| Pretax return on assets | 0.1442% | 4,628 |
| Return on Equity (ROE) | 1.2778% | 4,587 |
| Retained earnings to average equity (ytd only) | 1.2778% | 3,677 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6401% | 442 |
| Assets per employee ($millions) | 12.5847% | 208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7278% | 4,564 |
| 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 | 45.2411% | 4,456 |
| Net loans and leases to deposits | 75.7751% | 3,093 |
| Net loans and leases to core deposits | 84.0684% | 2,847 |
| Total domestic deposits to total assets | 59.7045% | 5,024 |
| Equity capital to assets | 13.4321% | 1,250 |
| Core capital (leverage) ratio | 13.3078% | 1,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2011% | 622 |
| Memoranda: | ||
| Average total assets | $291,316,000 | 2,258 |
| Average earning assets | $271,826,000 | 2,249 |
| Average equity | $38,817,000 | 2,032 |
| Average total loans | $129,989,500 | 2,833 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1134% | 5,028 |
| Cost of funding earning assets | 1.3332% | 694 |
| Net interest margin | 1.7802% | 5,115 |
| Noninterest income to average assets | 0.1323% | 4,810 |
| Noninterest expense to average assets | 1.4399% | 5,028 |
| Loan and lease loss provision to assets | 0.0144% | 3,726 |
| Net operating income to assets | 0.2580% | 4,788 |
| Return on assets (ROA) | 0.2580% | 4,813 |
| Pretax return on assets | 0.3403% | 4,777 |
| Return on Equity (ROE) | 1.9604% | 4,805 |
| Retained earnings to average equity (ytd only) | 1.9604% | 4,017 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2368% | 925 |
| Assets per employee ($millions) | 11.7273% | 245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7496% | 4,455 |
| 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 | 43.3548% | 4,625 |
| Net loans and leases to deposits | 74.8180% | 3,278 |
| Net loans and leases to core deposits | 82.2765% | 3,102 |
| Total domestic deposits to total assets | 57.9471% | 5,097 |
| Equity capital to assets | 13.2187% | 1,408 |
| Core capital (leverage) ratio | 13.2418% | 1,137 |
| Tier 1 risk-based capital ratio | 22.1893% | 1,003 |
| Total risk-based capital ratio | 22.4911% | 1,104 |
| Memoranda: | ||
| Average total assets | $291,827,200 | 2,211 |
| Average earning assets | $272,500,000 | 2,193 |
| Average equity | $38,410,600 | 1,995 |
| Average total loans | $120,072,200 | 2,945 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1274% | 5,115 |
| Cost of funding earning assets | 1.3115% | 758 |
| Net interest margin | 1.8159% | 5,199 |
| Noninterest income to average assets | 0.1331% | 4,866 |
| Noninterest expense to average assets | 1.4349% | 5,098 |
| Loan and lease loss provision to assets | 0.0192% | 3,525 |
| Net operating income to assets | 0.2822% | 4,865 |
| Return on assets (ROA) | 0.2822% | 4,879 |
| Pretax return on assets | 0.3751% | 4,834 |
| Return on Equity (ROE) | 2.1465% | 4,880 |
| Retained earnings to average equity (ytd only) | 2.1465% | 4,223 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4446% | 1,058 |
| Assets per employee ($millions) | 12.4845% | 188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7763% | 4,471 |
| 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 | 42.7340% | 4,731 |
| Net loans and leases to deposits | 76.3603% | 3,260 |
| Net loans and leases to core deposits | 83.8181% | 3,112 |
| Total domestic deposits to total assets | 55.9636% | 5,183 |
| Equity capital to assets | 13.4493% | 1,384 |
| Core capital (leverage) ratio | 13.4111% | 1,163 |
| Tier 1 risk-based capital ratio | 23.4110% | 908 |
| Total risk-based capital ratio | 23.9954% | 954 |
| Memoranda: | ||
| Average total assets | $291,488,250 | 2,228 |
| Average earning assets | $272,249,000 | 2,213 |
| Average equity | $38,324,500 | 2,014 |
| Average total loans | $118,073,000 | 2,992 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1370% | 5,173 |
| Cost of funding earning assets | 1.2829% | 780 |
| Net interest margin | 1.8542% | 5,255 |
| Noninterest income to average assets | 0.1331% | 4,906 |
| Noninterest expense to average assets | 1.4372% | 5,146 |
| Loan and lease loss provision to assets | 0.0287% | 3,248 |
| Net operating income to assets | 0.2977% | 4,877 |
| Return on assets (ROA) | 0.2977% | 4,888 |
| Pretax return on assets | 0.4001% | 4,829 |
| Return on Equity (ROE) | 2.2812% | 4,903 |
| Retained earnings to average equity (ytd only) | 2.2812% | 4,021 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0216% | 1,268 |
| Assets per employee ($millions) | 13.0053% | 161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8124% | 4,400 |
| Loan loss allowance to noncurrent loans | 716.4179% | 752 |
| Noncurrent assets plus other real estate owned to assets | 0.0468% | 4,537 |
| Noncurrent loans to loans | 0.1134% | 4,164 |
| Net loans and leases to total assets | 40.9654% | 4,825 |
| Net loans and leases to deposits | 74.4714% | 3,479 |
| Net loans and leases to core deposits | 81.8853% | 3,274 |
| Total domestic deposits to total assets | 55.0083% | 5,235 |
| Equity capital to assets | 13.4344% | 1,355 |
| Core capital (leverage) ratio | 13.3407% | 1,174 |
| Tier 1 risk-based capital ratio | 23.5815% | 888 |
| Total risk-based capital ratio | 24.1624% | 928 |
| Memoranda: | ||
| Average total assets | $292,936,330 | 2,217 |
| Average earning assets | $273,762,330 | 2,206 |
| Average equity | $38,226,330 | 2,011 |
| Average total loans | $116,208,000 | 3,022 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1325% | 5,230 |
| Cost of funding earning assets | 1.2530% | 762 |
| Net interest margin | 1.8795% | 5,325 |
| Noninterest income to average assets | 0.1296% | 4,956 |
| Noninterest expense to average assets | 1.3984% | 5,221 |
| Loan and lease loss provision to assets | 0.0567% | 2,531 |
| Net operating income to assets | 0.3199% | 4,872 |
| Return on assets (ROA) | 0.3199% | 4,878 |
| Pretax return on assets | 0.4319% | 4,799 |
| Return on Equity (ROE) | 2.4869% | 4,895 |
| Retained earnings to average equity (ytd only) | 2.4869% | 3,928 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1059% | 1,745 |
| Assets per employee ($millions) | 13.4190% | 153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8288% | 4,422 |
| 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 | 38.9083% | 4,924 |
| Net loans and leases to deposits | 72.1739% | 3,592 |
| Net loans and leases to core deposits | 79.0443% | 3,444 |
| Total domestic deposits to total assets | 53.9092% | 5,301 |
| Equity capital to assets | 12.9528% | 1,482 |
| Core capital (leverage) ratio | 12.9910% | 1,279 |
| Tier 1 risk-based capital ratio | 23.5124% | 887 |
| Total risk-based capital ratio | 24.0867% | 930 |
| Memoranda: | ||
| Average total assets | $296,346,000 | 2,217 |
| Average earning assets | $277,098,000 | 2,197 |
| Average equity | $38,120,500 | 2,012 |
| Average total loans | $115,227,500 | 3,075 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1278% | 5,181 |
| Cost of funding earning assets | 1.2172% | 315 |
| Net interest margin | 1.9107% | 5,342 |
| Noninterest income to average assets | 0.1246% | 5,059 |
| Noninterest expense to average assets | 1.3293% | 5,291 |
| Loan and lease loss provision to assets | 0.0777% | 2,573 |
| Net operating income to assets | 0.3720% | 4,903 |
| Return on assets (ROA) | 0.3720% | 4,898 |
| Pretax return on assets | 0.5039% | 4,790 |
| Return on Equity (ROE) | 2.9944% | 4,898 |
| Retained earnings to average equity (ytd only) | 2.9944% | 3,905 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5637% | 2,273 |
| Assets per employee ($millions) | 13.5216% | 138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8008% | 4,531 |
| 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 | 38.2261% | 5,005 |
| Net loans and leases to deposits | 70.1936% | 3,812 |
| Net loans and leases to core deposits | 76.5889% | 3,672 |
| Total domestic deposits to total assets | 54.4580% | 5,350 |
| Equity capital to assets | 12.7749% | 1,453 |
| Core capital (leverage) ratio | 12.8020% | 1,321 |
| Tier 1 risk-based capital ratio | 23.4082% | 868 |
| Total risk-based capital ratio | 23.9558% | 916 |
| Memoranda: | ||
| Average total assets | $301,056,000 | 2,149 |
| Average earning assets | $281,472,000 | 2,125 |
| Average equity | $37,402,600 | 1,966 |
| Average total loans | $103,909,800 | 3,230 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0993% | 5,248 |
| Cost of funding earning assets | 1.2011% | 255 |
| Net interest margin | 1.8982% | 5,416 |
| Noninterest income to average assets | 0.1267% | 5,114 |
| Noninterest expense to average assets | 1.3582% | 5,345 |
| Loan and lease loss provision to assets | 0.0777% | 2,403 |
| Net operating income to assets | 0.3457% | 5,037 |
| Return on assets (ROA) | 0.3457% | 5,034 |
| Pretax return on assets | 0.4654% | 4,952 |
| Return on Equity (ROE) | 2.8024% | 5,033 |
| Retained earnings to average equity (ytd only) | 2.8024% | 4,314 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4352% | 1,971 |
| Assets per employee ($millions) | 13.6749% | 130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7761% | 4,697 |
| 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 | 36.5484% | 5,125 |
| Net loans and leases to deposits | 71.9841% | 3,771 |
| Net loans and leases to core deposits | 78.6466% | 3,608 |
| Total domestic deposits to total assets | 50.7728% | 5,426 |
| Equity capital to assets | 12.5196% | 1,571 |
| Core capital (leverage) ratio | 12.5324% | 1,484 |
| Tier 1 risk-based capital ratio | 22.6495% | 975 |
| Total risk-based capital ratio | 23.1318% | 1,045 |
| Memoranda: | ||
| Average total assets | $301,951,250 | 2,151 |
| Average earning assets | $282,290,750 | 2,132 |
| Average equity | $37,252,750 | 1,976 |
| Average total loans | $101,229,500 | 3,305 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0498% | 5,314 |
| Cost of funding earning assets | 1.1807% | 195 |
| Net interest margin | 1.8691% | 5,483 |
| Noninterest income to average assets | 0.1290% | 5,161 |
| Noninterest expense to average assets | 1.3628% | 5,412 |
| Loan and lease loss provision to assets | 0.0774% | 2,356 |
| Net operating income to assets | 0.3341% | 5,072 |
| Return on assets (ROA) | 0.3341% | 5,069 |
| Pretax return on assets | 0.4366% | 5,006 |
| Return on Equity (ROE) | 2.7212% | 5,062 |
| Retained earnings to average equity (ytd only) | 2.7212% | 4,161 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6119% | 1,900 |
| Assets per employee ($millions) | 15.0895% | 100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7640% | 4,801 |
| Loan loss allowance to noncurrent loans | 16,020.0000% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 5,061 |
| Noncurrent loans to loans | 0.0048% | 4,946 |
| Net loans and leases to total assets | 34.4744% | 5,227 |
| Net loans and leases to deposits | 67.8324% | 4,031 |
| Net loans and leases to core deposits | 74.0135% | 3,875 |
| Total domestic deposits to total assets | 50.8229% | 5,490 |
| Equity capital to assets | 12.3885% | 1,603 |
| Core capital (leverage) ratio | 12.4324% | 1,472 |
| Tier 1 risk-based capital ratio | 22.8308% | 950 |
| Total risk-based capital ratio | 23.2705% | 1,018 |
| Memoranda: | ||
| Average total assets | $302,319,000 | 2,156 |
| Average earning assets | $282,702,670 | 2,141 |
| Average equity | $37,115,330 | 1,984 |
| Average total loans | $98,034,330 | 3,372 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9894% | 5,381 |
| Cost of funding earning assets | 1.1449% | 182 |
| Net interest margin | 1.8445% | 5,550 |
| Noninterest income to average assets | 0.1163% | 5,268 |
| Noninterest expense to average assets | 1.3828% | 5,457 |
| Loan and lease loss provision to assets | 0.0780% | 2,213 |
| Net operating income to assets | 0.2578% | 5,158 |
| Return on assets (ROA) | 0.2578% | 5,161 |
| Pretax return on assets | 0.3807% | 5,059 |
| Return on Equity (ROE) | 2.1093% | 5,162 |
| Retained earnings to average equity (ytd only) | 2.1093% | 4,315 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0897% | 1,739 |
| Assets per employee ($millions) | 15.1289% | 97 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7664% | 4,875 |
| Loan loss allowance to noncurrent loans | 14,860.0000% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 5,140 |
| Noncurrent loans to loans | 0.0052% | 5,000 |
| Net loans and leases to total assets | 31.7929% | 5,327 |
| Net loans and leases to deposits | 63.4644% | 4,239 |
| Net loans and leases to core deposits | 72.3870% | 3,925 |
| Total domestic deposits to total assets | 50.0957% | 5,555 |
| Equity capital to assets | 12.2537% | 1,632 |
| Core capital (leverage) ratio | 12.3982% | 1,432 |
| Tier 1 risk-based capital ratio | 23.2165% | 920 |
| Total risk-based capital ratio | 23.6323% | 988 |
| Memoranda: | ||
| Average total assets | $302,584,000 | 2,174 |
| Average earning assets | $283,000,500 | 2,162 |
| Average equity | $36,979,500 | 2,000 |
| Average total loans | $94,631,000 | 3,456 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9049% | 5,413 |
| Cost of funding earning assets | 1.1353% | 106 |
| Net interest margin | 1.7696% | 5,599 |
| Noninterest income to average assets | 0.3470% | 3,983 |
| Noninterest expense to average assets | 1.3982% | 5,522 |
| Loan and lease loss provision to assets | 0.0251% | 3,795 |
| Net operating income to assets | 0.2873% | 4,949 |
| Return on assets (ROA) | 0.2873% | 4,967 |
| Pretax return on assets | 0.5743% | 4,796 |
| Return on Equity (ROE) | 2.4017% | 4,975 |
| Retained earnings to average equity (ytd only) | 2.4017% | 3,892 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9918% | 2,548 |
| Assets per employee ($millions) | 15.1296% | 92 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7409% | 4,978 |
| Loan loss allowance to noncurrent loans | 13,680.0000% | 72 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 5,193 |
| Noncurrent loans to loans | 0.0054% | 5,037 |
| Net loans and leases to total assets | 30.2841% | 5,431 |
| Net loans and leases to deposits | 58.5252% | 4,664 |
| Net loans and leases to core deposits | 66.7135% | 4,377 |
| Total domestic deposits to total assets | 51.7454% | 5,619 |
| Equity capital to assets | 12.1887% | 1,707 |
| Core capital (leverage) ratio | 12.1913% | 1,501 |
| Tier 1 risk-based capital ratio | 23.4821% | 859 |
| Total risk-based capital ratio | 23.8591% | 931 |
| Memoranda: | ||
| Average total assets | $306,613,000 | 2,137 |
| Average earning assets | $286,001,200 | 2,126 |
| Average equity | $36,682,000 | 1,998 |
| Average total loans | $82,606,200 | 3,687 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8943% | 5,483 |
| Cost of funding earning assets | 1.1340% | 98 |
| Net interest margin | 1.7603% | 5,670 |
| Noninterest income to average assets | 0.4239% | 3,524 |
| Noninterest expense to average assets | 1.3714% | 5,585 |
| Loan and lease loss provision to assets | 0.0308% | 3,505 |
| Net operating income to assets | 0.5405% | 4,611 |
| Return on assets (ROA) | 0.5405% | 4,644 |
| Pretax return on assets | 0.6627% | 4,696 |
| Return on Equity (ROE) | 4.5387% | 4,697 |
| Retained earnings to average equity (ytd only) | 4.5387% | 3,196 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4148% | 3,142 |
| Assets per employee ($millions) | 15.1422% | 88 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7736% | 4,967 |
| 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 | 28.7141% | 5,526 |
| Net loans and leases to deposits | 57.4332% | 4,793 |
| Net loans and leases to core deposits | 65.3950% | 4,523 |
| Total domestic deposits to total assets | 49.9957% | 5,689 |
| Equity capital to assets | 12.2994% | 1,778 |
| Core capital (leverage) ratio | 12.2417% | 1,547 |
| Tier 1 risk-based capital ratio | 24.2824% | 819 |
| Total risk-based capital ratio | 24.6455% | 891 |
| Memoranda: | ||
| Average total assets | $307,618,500 | 2,142 |
| Average earning assets | $286,760,750 | 2,127 |
| Average equity | $36,632,000 | 2,005 |
| Average total loans | $80,177,500 | 3,776 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8761% | 5,521 |
| Cost of funding earning assets | 1.1250% | 90 |
| Net interest margin | 1.7511% | 5,723 |
| Noninterest income to average assets | 0.5757% | 2,578 |
| Noninterest expense to average assets | 1.3932% | 5,629 |
| Loan and lease loss provision to assets | -0.0078% | 5,537 |
| Net operating income to assets | 0.6927% | 3,877 |
| Return on assets (ROA) | 0.6927% | 3,944 |
| Pretax return on assets | 0.8221% | 4,195 |
| Return on Equity (ROE) | 5.8803% | 4,098 |
| Retained earnings to average equity (ytd only) | 5.8803% | 2,183 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1116% | 3,814 |
| Assets per employee ($millions) | 15.2285% | 83 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7463% | 5,093 |
| 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 | 25.9815% | 5,613 |
| Net loans and leases to deposits | 51.2536% | 5,091 |
| Net loans and leases to core deposits | 58.5266% | 4,897 |
| Total domestic deposits to total assets | 50.6921% | 5,737 |
| Equity capital to assets | 12.1719% | 1,815 |
| Core capital (leverage) ratio | 12.0211% | 1,623 |
| Tier 1 risk-based capital ratio | 24.8864% | 762 |
| Total risk-based capital ratio | 25.1831% | 837 |
| Memoranda: | ||
| Average total assets | $309,210,000 | 2,134 |
| Average earning assets | $288,165,000 | 2,123 |
| Average equity | $36,426,670 | 2,008 |
| Average total loans | $77,691,000 | 3,844 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8602% | 5,565 |
| Cost of funding earning assets | 1.1181% | 86 |
| Net interest margin | 1.7421% | 5,795 |
| Noninterest income to average assets | 0.1194% | 5,516 |
| Noninterest expense to average assets | 1.3572% | 5,716 |
| Loan and lease loss provision to assets | -0.0064% | 5,650 |
| Net operating income to assets | 0.2645% | 5,275 |
| Return on assets (ROA) | 0.2645% | 5,292 |
| Pretax return on assets | 0.3890% | 5,179 |
| Return on Equity (ROE) | 2.2823% | 5,285 |
| Retained earnings to average equity (ytd only) | 2.2823% | 4,229 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0074% | 1,625 |
| Assets per employee ($millions) | 15.4241% | 79 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7748% | 5,129 |
| Loan loss allowance to noncurrent loans | 493.4426% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 0.1028% | 4,856 |
| Noncurrent loans to loans | 0.1570% | 4,560 |
| Net loans and leases to total assets | 24.9911% | 5,682 |
| Net loans and leases to deposits | 51.5014% | 5,053 |
| Net loans and leases to core deposits | 58.0423% | 4,880 |
| Total domestic deposits to total assets | 48.5250% | 5,807 |
| Equity capital to assets | 11.7372% | 2,008 |
| Core capital (leverage) ratio | 11.6862% | 1,836 |
| Tier 1 risk-based capital ratio | 24.7349% | 800 |
| Total risk-based capital ratio | 25.0178% | 872 |
| Memoranda: | ||
| Average total assets | $311,530,000 | 2,142 |
| Average earning assets | $289,771,000 | 2,135 |
| Average equity | $36,104,000 | 2,025 |
| Average total loans | $76,673,000 | 3,890 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6593% | 5,703 |
| Cost of funding earning assets | 1.1415% | 70 |
| Net interest margin | 1.5178% | 5,852 |
| Noninterest income to average assets | 0.1208% | 5,579 |
| Noninterest expense to average assets | 1.3148% | 5,805 |
| Loan and lease loss provision to assets | -0.0082% | 5,487 |
| Net operating income to assets | 0.1688% | 5,464 |
| Return on assets (ROA) | 0.1688% | 5,509 |
| Pretax return on assets | 0.2268% | 5,465 |
| Return on Equity (ROE) | 1.4357% | 5,498 |
| Retained earnings to average equity (ytd only) | 1.4357% | 4,690 |
| Net charge-offs to loans | -0.0771% | 5,511 |
| Credit loss provision to net charge-offs | 51.0204% | 3,365 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7480% | 845 |
| Assets per employee ($millions) | 15.7289% | 73 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8024% | 5,099 |
| Loan loss allowance to noncurrent loans | 282.3256% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 0.1303% | 4,792 |
| Noncurrent loans to loans | 0.2842% | 4,135 |
| Net loans and leases to total assets | 23.8555% | 5,758 |
| Net loans and leases to deposits | 48.7679% | 5,260 |
| Net loans and leases to core deposits | 54.7543% | 5,113 |
| Total domestic deposits to total assets | 48.9163% | 5,865 |
| Equity capital to assets | 11.4442% | 2,216 |
| Core capital (leverage) ratio | 11.6060% | 1,857 |
| Tier 1 risk-based capital ratio | 24.7561% | 792 |
| Total risk-based capital ratio | 25.0318% | 874 |
| Memoranda: | ||
| Average total assets | $303,837,600 | 2,146 |
| Average earning assets | $282,777,800 | 2,138 |
| Average equity | $35,731,400 | 2,039 |
| Average total loans | $63,521,000 | 4,193 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6330% | 5,788 |
| Cost of funding earning assets | 1.1429% | 70 |
| Net interest margin | 1.4901% | 5,924 |
| Noninterest income to average assets | 0.1209% | 5,640 |
| Noninterest expense to average assets | 1.3074% | 5,863 |
| Loan and lease loss provision to assets | -0.0111% | 5,649 |
| Net operating income to assets | 0.1603% | 5,536 |
| Return on assets (ROA) | 0.1603% | 5,594 |
| Pretax return on assets | 0.2116% | 5,550 |
| Return on Equity (ROE) | 1.3533% | 5,588 |
| Retained earnings to average equity (ytd only) | 1.3533% | 4,971 |
| Net charge-offs to loans | -0.1080% | 5,599 |
| Credit loss provision to net charge-offs | 51.0204% | 3,020 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6999% | 763 |
| Assets per employee ($millions) | 15.3212% | 77 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8496% | 5,040 |
| Loan loss allowance to noncurrent loans | 117.1815% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 0.1690% | 4,760 |
| Noncurrent loans to loans | 0.7250% | 2,860 |
| Net loans and leases to total assets | 23.1174% | 5,834 |
| Net loans and leases to deposits | 46.5573% | 5,435 |
| Net loans and leases to core deposits | 51.6975% | 5,321 |
| Total domestic deposits to total assets | 49.6536% | 5,928 |
| Equity capital to assets | 11.6995% | 2,358 |
| Core capital (leverage) ratio | 11.8575% | 1,781 |
| Tier 1 risk-based capital ratio | 25.8604% | 728 |
| Total risk-based capital ratio | 26.1424% | 807 |
| Memoranda: | ||
| Average total assets | $301,152,500 | 2,171 |
| Average earning assets | $280,330,250 | 2,157 |
| Average equity | $35,664,000 | 2,054 |
| Average total loans | $60,488,500 | 4,312 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6095% | 5,870 |
| Cost of funding earning assets | 1.1383% | 73 |
| Net interest margin | 1.4713% | 6,004 |
| Noninterest income to average assets | 0.1243% | 5,689 |
| Noninterest expense to average assets | 1.3000% | 5,943 |
| Loan and lease loss provision to assets | -0.0187% | 5,781 |
| Net operating income to assets | 0.1610% | 5,594 |
| Return on assets (ROA) | 0.1610% | 5,643 |
| Pretax return on assets | 0.2124% | 5,606 |
| Return on Equity (ROE) | 1.3539% | 5,634 |
| Retained earnings to average equity (ytd only) | 1.3539% | 4,841 |
| Net charge-offs to loans | -0.1724% | 5,780 |
| Credit loss provision to net charge-offs | 57.1429% | 2,603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0304% | 789 |
| Assets per employee ($millions) | 16.7136% | 62 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9771% | 4,631 |
| Loan loss allowance to noncurrent loans | 116.3776% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 0.1725% | 4,813 |
| Noncurrent loans to loans | 0.8396% | 2,645 |
| Net loans and leases to total assets | 20.3457% | 5,934 |
| Net loans and leases to deposits | 41.8993% | 5,624 |
| Net loans and leases to core deposits | 47.4253% | 5,518 |
| Total domestic deposits to total assets | 48.5586% | 6,007 |
| Equity capital to assets | 11.8762% | 2,213 |
| Core capital (leverage) ratio | 11.8071% | 1,765 |
| Tier 1 risk-based capital ratio | 28.0992% | 585 |
| Total risk-based capital ratio | 28.4012% | 623 |
| Memoranda: | ||
| Average total assets | $299,395,670 | 2,190 |
| Average earning assets | $278,672,000 | 2,179 |
| Average equity | $35,602,000 | 2,054 |
| Average total loans | $56,836,670 | 4,442 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5306% | 5,957 |
| Cost of funding earning assets | 1.1129% | 87 |
| Net interest margin | 1.4177% | 6,072 |
| Noninterest income to average assets | 0.1192% | 5,743 |
| Noninterest expense to average assets | 1.3058% | 6,006 |
| Loan and lease loss provision to assets | -0.0348% | 5,931 |
| Net operating income to assets | 0.1353% | 5,630 |
| Return on assets (ROA) | 0.1353% | 5,681 |
| Pretax return on assets | 0.1687% | 5,672 |
| Return on Equity (ROE) | 1.1368% | 5,669 |
| Retained earnings to average equity (ytd only) | 1.1368% | 4,785 |
| Net charge-offs to loans | -0.0294% | 5,061 |
| Credit loss provision to net charge-offs | 650.0000% | 499 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6977% | 626 |
| Assets per employee ($millions) | 15.9739% | 73 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9533% | 4,828 |
| Loan loss allowance to noncurrent loans | 151.2129% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 0.1222% | 5,090 |
| Noncurrent loans to loans | 0.6304% | 3,273 |
| Net loans and leases to total assets | 19.2046% | 6,005 |
| Net loans and leases to deposits | 38.4263% | 5,763 |
| Net loans and leases to core deposits | 44.5909% | 5,636 |
| Total domestic deposits to total assets | 49.9778% | 6,069 |
| Equity capital to assets | 11.7260% | 2,222 |
| Core capital (leverage) ratio | 11.7836% | 1,765 |
| Tier 1 risk-based capital ratio | 28.8329% | 556 |
| Total risk-based capital ratio | 29.3238% | 588 |
| Memoranda: | ||
| Average total assets | $298,671,000 | 2,196 |
| Average earning assets | $278,195,000 | 2,191 |
| Average equity | $35,538,500 | 2,056 |
| Average total loans | $54,348,500 | 4,542 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4337% | 6,021 |
| Cost of funding earning assets | 1.0860% | 110 |
| Net interest margin | 1.3477% | 6,120 |
| Noninterest income to average assets | 0.1276% | 5,771 |
| Noninterest expense to average assets | 1.2441% | 6,085 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.1197% | 5,729 |
| Return on assets (ROA) | 0.1197% | 5,771 |
| Pretax return on assets | 0.1413% | 5,765 |
| Return on Equity (ROE) | 0.9880% | 5,769 |
| Retained earnings to average equity (ytd only) | 0.9880% | 5,121 |
| Net charge-offs to loans | -0.1319% | 5,851 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7995% | 698 |
| Assets per employee ($millions) | 15.4651% | 74 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1695% | 3,648 |
| Loan loss allowance to noncurrent loans | 235.0806% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 0.0844% | 5,293 |
| Noncurrent loans to loans | 0.4975% | 3,701 |
| Net loans and leases to total assets | 16.7664% | 6,091 |
| Net loans and leases to deposits | 32.3801% | 5,965 |
| Net loans and leases to core deposits | 37.7390% | 5,884 |
| Total domestic deposits to total assets | 51.7801% | 6,124 |
| Equity capital to assets | 12.0774% | 1,900 |
| Core capital (leverage) ratio | 12.1605% | 1,524 |
| Tier 1 risk-based capital ratio | 33.2952% | 383 |
| Total risk-based capital ratio | 33.8590% | 398 |
| Memoranda: | ||
| Average total assets | $291,542,800 | 2,200 |
| Average earning assets | $272,096,200 | 2,189 |
| Average equity | $35,325,000 | 2,018 |
| Average total loans | $50,029,800 | 4,668 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4325% | 6,113 |
| Cost of funding earning assets | 1.0803% | 116 |
| Net interest margin | 1.3522% | 6,214 |
| Noninterest income to average assets | 0.1292% | 5,828 |
| Noninterest expense to average assets | 1.2386% | 6,165 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.1269% | 5,812 |
| Return on assets (ROA) | 0.1269% | 5,852 |
| Pretax return on assets | 0.1530% | 5,843 |
| Return on Equity (ROE) | 1.0467% | 5,851 |
| Retained earnings to average equity (ytd only) | 1.0467% | 5,299 |
| Net charge-offs to loans | -0.1651% | 5,945 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0023% | 761 |
| Assets per employee ($millions) | 15.9274% | 69 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1180% | 4,122 |
| Loan loss allowance to noncurrent loans | 227.0161% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 0.0865% | 5,403 |
| Noncurrent loans to loans | 0.4925% | 3,871 |
| Net loans and leases to total assets | 17.3680% | 6,170 |
| Net loans and leases to deposits | 32.9545% | 6,034 |
| Net loans and leases to core deposits | 37.7111% | 5,979 |
| Total domestic deposits to total assets | 52.7029% | 6,208 |
| Equity capital to assets | 12.3532% | 1,827 |
| Core capital (leverage) ratio | 12.2532% | 1,539 |
| Tier 1 risk-based capital ratio | 39.1852% | 259 |
| Total risk-based capital ratio | 39.8458% | 268 |
| Memoranda: | ||
| Average total assets | $290,969,250 | 2,216 |
| Average earning assets | $271,652,000 | 2,209 |
| Average equity | $35,284,250 | 2,032 |
| Average total loans | $50,075,000 | 4,711 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4395% | 6,182 |
| Cost of funding earning assets | 1.0789% | 113 |
| Net interest margin | 1.3606% | 6,286 |
| Noninterest income to average assets | 0.1293% | 5,905 |
| Noninterest expense to average assets | 1.2374% | 6,240 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1327% | 5,838 |
| Return on assets (ROA) | 0.1327% | 5,877 |
| Pretax return on assets | 0.1635% | 5,866 |
| Return on Equity (ROE) | 1.1010% | 5,884 |
| Retained earnings to average equity (ytd only) | 1.1010% | 5,128 |
| Net charge-offs to loans | -0.0120% | 4,982 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3301% | 892 |
| Assets per employee ($millions) | 17.2589% | 64 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0134% | 4,802 |
| Loan loss allowance to noncurrent loans | 205.6680% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 0.0842% | 5,531 |
| Noncurrent loans to loans | 0.4927% | 3,994 |
| Net loans and leases to total assets | 16.9120% | 6,246 |
| Net loans and leases to deposits | 32.0951% | 6,121 |
| Net loans and leases to core deposits | 36.7754% | 6,052 |
| Total domestic deposits to total assets | 52.6934% | 6,282 |
| Equity capital to assets | 12.0426% | 1,991 |
| Core capital (leverage) ratio | 12.0189% | 1,654 |
| Tier 1 risk-based capital ratio | 40.8351% | 244 |
| Total risk-based capital ratio | 41.4222% | 251 |
| Memoranda: | ||
| Average total assets | $292,394,330 | 2,222 |
| Average earning assets | $273,253,000 | 2,210 |
| Average equity | $35,240,330 | 2,038 |
| Average total loans | $49,981,330 | 4,750 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4840% | 6,227 |
| Cost of funding earning assets | 1.0851% | 108 |
| Net interest margin | 1.3989% | 6,357 |
| Noninterest income to average assets | 0.1302% | 5,947 |
| Noninterest expense to average assets | 1.2475% | 6,304 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1508% | 5,786 |
| Return on assets (ROA) | 0.1508% | 5,859 |
| Pretax return on assets | 0.1906% | 5,842 |
| Return on Equity (ROE) | 1.2437% | 5,862 |
| Retained earnings to average equity (ytd only) | 1.2437% | 4,991 |
| Net charge-offs to loans | -0.0080% | 4,633 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7493% | 1,115 |
| Assets per employee ($millions) | 17.2880% | 63 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0859% | 4,587 |
| Loan loss allowance to noncurrent loans | 143.6997% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 0.1269% | 5,448 |
| Noncurrent loans to loans | 0.7557% | 3,367 |
| Net loans and leases to total assets | 16.6123% | 6,307 |
| Net loans and leases to deposits | 30.4837% | 6,189 |
| Net loans and leases to core deposits | 34.8860% | 6,125 |
| Total domestic deposits to total assets | 54.4958% | 6,348 |
| Equity capital to assets | 12.0560% | 1,990 |
| Core capital (leverage) ratio | 12.0858% | 1,584 |
| Tier 1 risk-based capital ratio | 41.1517% | 247 |
| Total risk-based capital ratio | 41.7742% | 251 |
| Memoranda: | ||
| Average total assets | $291,783,000 | 2,239 |
| Average earning assets | $272,786,000 | 2,229 |
| Average equity | $35,377,000 | 2,045 |
| Average total loans | $49,908,000 | 4,787 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5478% | 6,316 |
| Cost of funding earning assets | 0.9714% | 261 |
| Net interest margin | 1.5764% | 6,424 |
| Noninterest income to average assets | 0.1312% | 6,038 |
| Noninterest expense to average assets | 1.2068% | 6,412 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.2746% | 5,587 |
| Return on assets (ROA) | 0.2746% | 5,657 |
| Pretax return on assets | 0.3980% | 5,493 |
| Return on Equity (ROE) | 2.2072% | 5,719 |
| Retained earnings to average equity (ytd only) | 2.2072% | 4,677 |
| Net charge-offs to loans | -0.0097% | 5,551 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1995% | 2,636 |
| Assets per employee ($millions) | 17.0394% | 66 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0603% | 4,763 |
| Loan loss allowance to noncurrent loans | 97.8062% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 0.1888% | 5,272 |
| Noncurrent loans to loans | 1.0841% | 2,654 |
| Net loans and leases to total assets | 17.2341% | 6,398 |
| Net loans and leases to deposits | 30.9344% | 6,278 |
| Net loans and leases to core deposits | 35.4628% | 6,211 |
| Total domestic deposits to total assets | 55.7117% | 6,437 |
| Equity capital to assets | 12.1939% | 1,867 |
| Core capital (leverage) ratio | 12.1939% | 1,501 |
| Tier 1 risk-based capital ratio | 40.8470% | 225 |
| Total risk-based capital ratio | 41.4656% | 231 |
| Memoranda: | ||
| Average total assets | $281,152,600 | 2,271 |
| Average earning assets | $262,813,200 | 2,255 |
| Average equity | $34,976,000 | 1,999 |
| Average total loans | $51,682,800 | 4,762 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5563% | 6,392 |
| Cost of funding earning assets | 0.9361% | 329 |
| Net interest margin | 1.6202% | 6,503 |
| Noninterest income to average assets | 0.1300% | 6,121 |
| Noninterest expense to average assets | 1.2056% | 6,483 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2987% | 5,587 |
| Return on assets (ROA) | 0.2987% | 5,662 |
| Pretax return on assets | 0.4387% | 5,500 |
| Return on Equity (ROE) | 2.3884% | 5,741 |
| Retained earnings to average equity (ytd only) | 2.3884% | 4,862 |
| Net charge-offs to loans | -0.0103% | 5,435 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3217% | 2,934 |
| Assets per employee ($millions) | 16.9628% | 61 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0448% | 5,014 |
| Loan loss allowance to noncurrent loans | 134.1709% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 0.1380% | 5,630 |
| Noncurrent loans to loans | 0.7787% | 3,634 |
| Net loans and leases to total assets | 17.5387% | 6,480 |
| Net loans and leases to deposits | 31.0652% | 6,356 |
| Net loans and leases to core deposits | 36.3647% | 6,277 |
| Total domestic deposits to total assets | 56.4577% | 6,513 |
| Equity capital to assets | 12.1980% | 1,913 |
| Core capital (leverage) ratio | 12.1980% | 1,575 |
| Tier 1 risk-based capital ratio | 40.7973% | 228 |
| Total risk-based capital ratio | 41.4166% | 237 |
| Memoranda: | ||
| Average total assets | $279,023,250 | 2,302 |
| Average earning assets | $260,787,000 | 2,284 |
| Average equity | $34,889,500 | 2,008 |
| Average total loans | $51,989,250 | 4,795 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5841% | 6,447 |
| Cost of funding earning assets | 0.8903% | 450 |
| Net interest margin | 1.6938% | 6,564 |
| Noninterest income to average assets | 0.1283% | 6,170 |
| Noninterest expense to average assets | 1.1917% | 6,555 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3465% | 5,415 |
| Return on assets (ROA) | 0.3465% | 5,485 |
| Pretax return on assets | 0.5197% | 5,224 |
| Return on Equity (ROE) | 2.7476% | 5,607 |
| Retained earnings to average equity (ytd only) | 2.7476% | 4,452 |
| Net charge-offs to loans | -0.0077% | 5,260 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6315% | 3,718 |
| Assets per employee ($millions) | 16.4846% | 65 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0365% | 5,169 |
| Loan loss allowance to noncurrent loans | 115.1515% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 0.1649% | 5,657 |
| Noncurrent loans to loans | 0.9001% | 3,453 |
| Net loans and leases to total assets | 18.1250% | 6,538 |
| Net loans and leases to deposits | 30.3187% | 6,424 |
| Net loans and leases to core deposits | 35.7831% | 6,337 |
| Total domestic deposits to total assets | 59.7813% | 6,560 |
| Equity capital to assets | 12.4994% | 1,640 |
| Core capital (leverage) ratio | 12.4994% | 1,396 |
| Tier 1 risk-based capital ratio | 41.3505% | 216 |
| Total risk-based capital ratio | 41.9785% | 222 |
| Memoranda: | ||
| Average total assets | $275,908,330 | 2,328 |
| Average earning assets | $257,884,330 | 2,299 |
| Average equity | $34,794,330 | 2,006 |
| Average total loans | $52,282,330 | 4,816 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6113% | 6,512 |
| Cost of funding earning assets | 0.8522% | 579 |
| Net interest margin | 1.7591% | 6,633 |
| Noninterest income to average assets | 0.1315% | 6,189 |
| Noninterest expense to average assets | 1.2143% | 6,627 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3726% | 5,217 |
| Return on assets (ROA) | 0.3726% | 5,286 |
| Pretax return on assets | 0.5611% | 4,982 |
| Return on Equity (ROE) | 2.9414% | 5,482 |
| Retained earnings to average equity (ytd only) | 2.9414% | 4,335 |
| Net charge-offs to loans | -0.0076% | 4,941 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3951% | 4,113 |
| Assets per employee ($millions) | 17.1798% | 59 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0226% | 5,435 |
| Loan loss allowance to noncurrent loans | 188.9680% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 0.1022% | 5,941 |
| Noncurrent loans to loans | 0.5411% | 4,548 |
| Net loans and leases to total assets | 18.6982% | 6,595 |
| Net loans and leases to deposits | 30.0327% | 6,478 |
| Net loans and leases to core deposits | 35.7776% | 6,370 |
| Total domestic deposits to total assets | 62.2597% | 6,618 |
| Equity capital to assets | 12.6621% | 1,479 |
| Core capital (leverage) ratio | 12.6621% | 1,314 |
| Tier 1 risk-based capital ratio | 41.5617% | 214 |
| Total risk-based capital ratio | 42.1958% | 218 |
| Memoranda: | ||
| Average total assets | $273,743,500 | 2,351 |
| Average earning assets | $255,813,000 | 2,317 |
| Average equity | $34,677,500 | 2,002 |
| Average total loans | $52,761,000 | 4,830 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6828% | 6,555 |
| Cost of funding earning assets | 0.8651% | 884 |
| Net interest margin | 1.8176% | 6,681 |
| Noninterest income to average assets | 0.1686% | 6,075 |
| Noninterest expense to average assets | 1.2944% | 6,684 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3829% | 5,206 |
| Return on assets (ROA) | 0.3829% | 5,317 |
| Pretax return on assets | 0.5721% | 4,963 |
| Return on Equity (ROE) | 3.0021% | 5,510 |
| Retained earnings to average equity (ytd only) | 3.0021% | 4,103 |
| Net charge-offs to loans | -0.0111% | 6,031 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3497% | 3,944 |
| Assets per employee ($millions) | 16.0359% | 67 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9889% | 5,624 |
| Loan loss allowance to noncurrent loans | 188.6121% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 0.1031% | 6,023 |
| Noncurrent loans to loans | 0.5243% | 4,681 |
| Net loans and leases to total assets | 19.4651% | 6,674 |
| Net loans and leases to deposits | 30.6019% | 6,571 |
| Net loans and leases to core deposits | 36.1316% | 6,466 |
| Total domestic deposits to total assets | 63.6075% | 6,676 |
| Equity capital to assets | 12.6737% | 1,433 |
| Core capital (leverage) ratio | 12.6737% | 1,270 |
| Tier 1 risk-based capital ratio | 41.3174% | 210 |
| Total risk-based capital ratio | 41.9512% | 215 |
| Memoranda: | ||
| Average total assets | $266,909,000 | 2,380 |
| Average earning assets | $249,333,600 | 2,333 |
| Average equity | $34,042,800 | 2,024 |
| Average total loans | $54,187,400 | 4,807 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7058% | 6,621 |
| Cost of funding earning assets | 0.8765% | 920 |
| Net interest margin | 1.8293% | 6,763 |
| Noninterest income to average assets | 0.1728% | 6,154 |
| Noninterest expense to average assets | 1.2967% | 6,746 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3882% | 5,291 |
| Return on assets (ROA) | 0.3882% | 5,428 |
| Pretax return on assets | 0.5846% | 5,079 |
| Return on Equity (ROE) | 3.0388% | 5,590 |
| Retained earnings to average equity (ytd only) | 3.0388% | 4,501 |
| Net charge-offs to loans | -0.0098% | 5,888 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9269% | 3,928 |
| Assets per employee ($millions) | 15.7580% | 78 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9625% | 5,872 |
| Loan loss allowance to noncurrent loans | 187.9004% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 0.1049% | 6,125 |
| Noncurrent loans to loans | 0.5123% | 4,908 |
| Net loans and leases to total assets | 20.2799% | 6,746 |
| Net loans and leases to deposits | 31.3493% | 6,631 |
| Net loans and leases to core deposits | 37.1340% | 6,521 |
| Total domestic deposits to total assets | 64.6902% | 6,733 |
| Equity capital to assets | 12.8043% | 1,418 |
| Core capital (leverage) ratio | 12.8043% | 1,284 |
| Tier 1 risk-based capital ratio | 41.4824% | 223 |
| Total risk-based capital ratio | 42.1210% | 229 |
| Memoranda: | ||
| Average total assets | $265,483,500 | 2,404 |
| Average earning assets | $247,952,500 | 2,358 |
| Average equity | $33,916,000 | 2,045 |
| Average total loans | $54,335,750 | 4,842 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7206% | 6,658 |
| Cost of funding earning assets | 0.8828% | 975 |
| Net interest margin | 1.8377% | 6,811 |
| Noninterest income to average assets | 0.1776% | 6,145 |
| Noninterest expense to average assets | 1.3019% | 6,789 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3922% | 5,246 |
| Return on assets (ROA) | 0.3922% | 5,410 |
| Pretax return on assets | 0.5917% | 5,046 |
| Return on Equity (ROE) | 3.0721% | 5,597 |
| Retained earnings to average equity (ytd only) | 3.0721% | 4,368 |
| Net charge-offs to loans | -0.0111% | 5,792 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7550% | 4,047 |
| Assets per employee ($millions) | 15.8818% | 72 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9727% | 5,920 |
| Loan loss allowance to noncurrent loans | 178.0405% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 0.1096% | 6,160 |
| Noncurrent loans to loans | 0.5464% | 4,891 |
| Net loans and leases to total assets | 19.8711% | 6,794 |
| Net loans and leases to deposits | 30.6803% | 6,681 |
| Net loans and leases to core deposits | 36.3175% | 6,593 |
| Total domestic deposits to total assets | 64.7683% | 6,783 |
| Equity capital to assets | 12.6105% | 1,514 |
| Core capital (leverage) ratio | 12.6105% | 1,315 |
| Tier 1 risk-based capital ratio | 40.8507% | 215 |
| Total risk-based capital ratio | 41.4830% | 225 |
| Memoranda: | ||
| Average total assets | $264,682,670 | 2,412 |
| Average earning assets | $247,155,330 | 2,376 |
| Average equity | $33,787,670 | 2,065 |
| Average total loans | $54,162,670 | 4,876 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7626% | 6,701 |
| Cost of funding earning assets | 0.8882% | 1,048 |
| Net interest margin | 1.8744% | 6,877 |
| Noninterest income to average assets | 0.1694% | 6,243 |
| Noninterest expense to average assets | 1.3189% | 6,867 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3954% | 5,148 |
| Return on assets (ROA) | 0.3954% | 5,292 |
| Pretax return on assets | 0.5999% | 4,945 |
| Return on Equity (ROE) | 3.0780% | 5,559 |
| Retained earnings to average equity (ytd only) | 3.0780% | 4,436 |
| Net charge-offs to loans | -0.0074% | 5,356 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7351% | 4,187 |
| Assets per employee ($millions) | 15.4820% | 83 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9578% | 6,113 |
| Loan loss allowance to noncurrent loans | 186.8327% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 0.1068% | 6,261 |
| Noncurrent loans to loans | 0.5126% | 5,147 |
| Net loans and leases to total assets | 20.6274% | 6,842 |
| Net loans and leases to deposits | 30.7300% | 6,726 |
| Net loans and leases to core deposits | 36.1261% | 6,618 |
| Total domestic deposits to total assets | 67.1246% | 6,828 |
| Equity capital to assets | 12.8377% | 1,505 |
| Core capital (leverage) ratio | 12.8377% | 1,182 |
| Tier 1 risk-based capital ratio | 41.0367% | 217 |
| Total risk-based capital ratio | 41.6744% | 222 |
| Memoranda: | ||
| Average total assets | $262,029,000 | 2,475 |
| Average earning assets | $244,553,000 | 2,427 |
| Average equity | $33,658,000 | 2,095 |
| Average total loans | $54,155,500 | 4,914 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1011% | 6,728 |
| Cost of funding earning assets | 1.0828% | 969 |
| Net interest margin | 2.0183% | 6,927 |
| Noninterest income to average assets | 0.2046% | 5,949 |
| Noninterest expense to average assets | 1.3242% | 6,942 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.5071% | 4,654 |
| Return on assets (ROA) | 0.5071% | 4,920 |
| Pretax return on assets | 0.7678% | 4,419 |
| Return on Equity (ROE) | 4.0628% | 5,114 |
| Retained earnings to average equity (ytd only) | 4.0628% | 3,357 |
| Net charge-offs to loans | 0.1993% | 3,780 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 17.9027% | 1,477 |
| Efficiency ratio | 63.2983% | 5,017 |
| Assets per employee ($millions) | 15.3449% | 89 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9795% | 6,034 |
| Loan loss allowance to noncurrent loans | 338.0645% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.0594% | 6,474 |
| Noncurrent loans to loans | 0.2897% | 5,757 |
| Net loans and leases to total assets | 20.3064% | 6,923 |
| Net loans and leases to deposits | 30.0247% | 6,830 |
| Net loans and leases to core deposits | 34.8987% | 6,750 |
| Total domestic deposits to total assets | 67.6322% | 6,868 |
| Equity capital to assets | 12.8527% | 1,517 |
| Core capital (leverage) ratio | 12.8527% | 1,173 |
| Tier 1 risk-based capital ratio | 41.1685% | 215 |
| Total risk-based capital ratio | 41.8119% | 228 |
| Memoranda: | ||
| Average total assets | $263,481,200 | 2,405 |
| Average earning assets | $246,392,800 | 2,357 |
| Average equity | $32,883,800 | 2,096 |
| Average total loans | $56,699,000 | 4,843 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1549% | 6,821 |
| Cost of funding earning assets | 1.1140% | 1,008 |
| Net interest margin | 2.0409% | 7,025 |
| Noninterest income to average assets | 0.2049% | 6,060 |
| Noninterest expense to average assets | 1.3104% | 7,035 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5285% | 4,720 |
| Return on assets (ROA) | 0.5285% | 4,988 |
| Pretax return on assets | 0.8051% | 4,465 |
| Return on Equity (ROE) | 4.2661% | 5,166 |
| Retained earnings to average equity (ytd only) | 4.2661% | 3,892 |
| Net charge-offs to loans | 0.2667% | 3,120 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 13.8695% | 1,880 |
| Efficiency ratio | 61.9423% | 5,155 |
| Assets per employee ($millions) | 15.5502% | 80 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9609% | 6,216 |
| Loan loss allowance to noncurrent loans | 336.7742% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 0.0586% | 6,605 |
| Noncurrent loans to loans | 0.2853% | 5,918 |
| Net loans and leases to total assets | 20.3523% | 7,022 |
| Net loans and leases to deposits | 29.9021% | 6,953 |
| Net loans and leases to core deposits | 34.5945% | 6,886 |
| Total domestic deposits to total assets | 68.0629% | 6,920 |
| Equity capital to assets | 12.5737% | 1,839 |
| Core capital (leverage) ratio | 12.5737% | 1,374 |
| Tier 1 risk-based capital ratio | 40.5141% | 227 |
| Total risk-based capital ratio | 41.1504% | 240 |
| Memoranda: | ||
| Average total assets | $264,135,500 | 2,422 |
| Average earning assets | $247,273,500 | 2,374 |
| Average equity | $32,722,750 | 2,125 |
| Average total loans | $57,499,750 | 4,866 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2172% | 6,861 |
| Cost of funding earning assets | 1.1479% | 1,038 |
| Net interest margin | 2.0694% | 7,082 |
| Noninterest income to average assets | 0.2000% | 6,124 |
| Noninterest expense to average assets | 1.3179% | 7,098 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5400% | 4,628 |
| Return on assets (ROA) | 0.5400% | 4,906 |
| Pretax return on assets | 0.8210% | 4,398 |
| Return on Equity (ROE) | 4.3809% | 5,101 |
| Retained earnings to average equity (ytd only) | 4.3809% | 3,704 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6147% | 5,308 |
| Assets per employee ($millions) | 14.6693% | 86 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1318% | 5,639 |
| Loan loss allowance to noncurrent loans | 410.9677% | 887 |
| Noncurrent assets plus other real estate owned to assets | 0.0587% | 6,667 |
| Noncurrent loans to loans | 0.2754% | 6,023 |
| Net loans and leases to total assets | 21.0743% | 7,069 |
| Net loans and leases to deposits | 30.9488% | 6,986 |
| Net loans and leases to core deposits | 35.4363% | 6,925 |
| Total domestic deposits to total assets | 68.0939% | 6,994 |
| Equity capital to assets | 12.4618% | 1,841 |
| Core capital (leverage) ratio | 12.4618% | 1,369 |
| Tier 1 risk-based capital ratio | 39.8646% | 231 |
| Total risk-based capital ratio | 40.6363% | 235 |
| Memoranda: | ||
| Average total assets | $264,062,670 | 2,424 |
| Average earning assets | $247,418,670 | 2,375 |
| Average equity | $32,550,670 | 2,117 |
| Average total loans | $58,558,330 | 4,850 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2730% | 6,907 |
| Cost of funding earning assets | 1.1884% | 1,038 |
| Net interest margin | 2.0846% | 7,134 |
| Noninterest income to average assets | 0.2090% | 6,127 |
| Noninterest expense to average assets | 1.3193% | 7,162 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5499% | 4,596 |
| Return on assets (ROA) | 0.5499% | 4,811 |
| Pretax return on assets | 0.8452% | 4,245 |
| Return on Equity (ROE) | 4.4851% | 5,053 |
| Retained earnings to average equity (ytd only) | 4.4851% | 3,899 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9517% | 5,465 |
| Assets per employee ($millions) | 14.7658% | 97 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1052% | 5,890 |
| Loan loss allowance to noncurrent loans | 410.9677% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.0726% | 6,703 |
| Noncurrent loans to loans | 0.2689% | 6,146 |
| Net loans and leases to total assets | 21.4452% | 7,122 |
| Net loans and leases to deposits | 31.3534% | 7,022 |
| Net loans and leases to core deposits | 35.9355% | 6,944 |
| Total domestic deposits to total assets | 68.3981% | 7,042 |
| Equity capital to assets | 12.2486% | 1,880 |
| Core capital (leverage) ratio | 12.2486% | 1,463 |
| Tier 1 risk-based capital ratio | 39.1328% | 246 |
| Total risk-based capital ratio | 39.8985% | 248 |
| Memoranda: | ||
| Average total assets | $264,070,500 | 2,438 |
| Average earning assets | $247,722,000 | 2,383 |
| Average equity | $32,373,500 | 2,126 |
| Average total loans | $59,696,000 | 4,829 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5426% | 6,969 |
| Cost of funding earning assets | 1.3404% | 1,291 |
| Net interest margin | 2.2021% | 7,174 |
| Noninterest income to average assets | 0.1832% | 6,184 |
| Noninterest expense to average assets | 1.2817% | 7,247 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.6290% | 3,834 |
| Return on assets (ROA) | 0.6290% | 4,038 |
| Pretax return on assets | 0.9683% | 3,352 |
| Return on Equity (ROE) | 5.1746% | 4,307 |
| Retained earnings to average equity (ytd only) | 5.1746% | 2,524 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9633% | 6,188 |
| Assets per employee ($millions) | 14.5753% | 99 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0315% | 6,065 |
| Loan loss allowance to noncurrent loans | 395.6522% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.0804% | 6,753 |
| Noncurrent loans to loans | 0.2607% | 6,203 |
| Net loans and leases to total assets | 23.2966% | 7,165 |
| Net loans and leases to deposits | 33.4686% | 7,059 |
| Net loans and leases to core deposits | 38.4052% | 6,991 |
| Total domestic deposits to total assets | 69.6073% | 7,007 |
| Equity capital to assets | 12.2704% | 1,929 |
| Core capital (leverage) ratio | 12.2704% | 1,456 |
| Tier 1 risk-based capital ratio | 38.0529% | 269 |
| Total risk-based capital ratio | 38.8059% | 273 |
| Memoranda: | ||
| Average total assets | $258,182,200 | 2,446 |
| Average earning assets | $242,310,400 | 2,379 |
| Average equity | $31,384,000 | 2,109 |
| Average total loans | $65,391,800 | 4,656 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5990% | 7,021 |
| Cost of funding earning assets | 1.3547% | 1,433 |
| Net interest margin | 2.2443% | 7,240 |
| Noninterest income to average assets | 0.1747% | 6,336 |
| Noninterest expense to average assets | 1.2901% | 7,317 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.6393% | 3,926 |
| Return on assets (ROA) | 0.6393% | 4,109 |
| Pretax return on assets | 0.9909% | 3,437 |
| Return on Equity (ROE) | 5.2721% | 4,411 |
| Retained earnings to average equity (ytd only) | 5.2721% | 3,014 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5583% | 6,200 |
| Assets per employee ($millions) | 14.6021% | 99 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9834% | 6,341 |
| Loan loss allowance to noncurrent loans | 400.6289% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.0795% | 6,857 |
| Noncurrent loans to loans | 0.2455% | 6,386 |
| Net loans and leases to total assets | 24.4017% | 7,224 |
| Net loans and leases to deposits | 34.9869% | 7,099 |
| Net loans and leases to core deposits | 40.2595% | 7,031 |
| Total domestic deposits to total assets | 69.7452% | 7,053 |
| Equity capital to assets | 12.0991% | 2,172 |
| Core capital (leverage) ratio | 12.0991% | 1,652 |
| Tier 1 risk-based capital ratio | 37.1477% | 300 |
| Total risk-based capital ratio | 37.8918% | 302 |
| Memoranda: | ||
| Average total assets | $257,138,750 | 2,461 |
| Average earning assets | $241,320,000 | 2,398 |
| Average equity | $31,182,000 | 2,124 |
| Average total loans | $66,300,500 | 4,662 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6490% | 7,063 |
| Cost of funding earning assets | 1.3547% | 1,627 |
| Net interest margin | 2.2943% | 7,281 |
| Noninterest income to average assets | 0.1700% | 6,444 |
| Noninterest expense to average assets | 1.3164% | 7,387 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6480% | 3,809 |
| Return on assets (ROA) | 0.6480% | 3,936 |
| Pretax return on assets | 1.0061% | 3,214 |
| Return on Equity (ROE) | 5.3397% | 4,290 |
| Retained earnings to average equity (ytd only) | 5.3397% | 2,784 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6802% | 6,333 |
| Assets per employee ($millions) | 14.5076% | 98 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9567% | 6,492 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0191% | 7,068 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 25.2527% | 7,294 |
| Net loans and leases to deposits | 36.2356% | 7,168 |
| Net loans and leases to core deposits | 41.4588% | 7,084 |
| Total domestic deposits to total assets | 69.6905% | 7,131 |
| Equity capital to assets | 12.0225% | 2,073 |
| Core capital (leverage) ratio | 12.0225% | 1,585 |
| Tier 1 risk-based capital ratio | 36.7120% | 306 |
| Total risk-based capital ratio | 37.4569% | 313 |
| Memoranda: | ||
| Average total assets | $255,239,000 | 2,495 |
| Average earning assets | $239,465,670 | 2,430 |
| Average equity | $30,975,670 | 2,124 |
| Average total loans | $66,809,330 | 4,692 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6717% | 7,090 |
| Cost of funding earning assets | 1.3699% | 1,772 |
| Net interest margin | 2.3018% | 7,312 |
| Noninterest income to average assets | 0.1744% | 6,485 |
| Noninterest expense to average assets | 1.3588% | 7,430 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6278% | 3,879 |
| Return on assets (ROA) | 0.6278% | 3,947 |
| Pretax return on assets | 0.9735% | 3,239 |
| Return on Equity (ROE) | 5.1485% | 4,319 |
| Retained earnings to average equity (ytd only) | 5.1485% | 3,091 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2597% | 6,235 |
| Assets per employee ($millions) | 14.0714% | 109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9441% | 6,569 |
| Loan loss allowance to noncurrent loans | 4,900.0000% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.0249% | 7,112 |
| Noncurrent loans to loans | 0.0193% | 7,016 |
| Net loans and leases to total assets | 26.3885% | 7,335 |
| Net loans and leases to deposits | 38.0023% | 7,165 |
| Net loans and leases to core deposits | 42.5349% | 7,090 |
| Total domestic deposits to total assets | 69.4392% | 7,206 |
| Equity capital to assets | 12.2250% | 1,776 |
| Core capital (leverage) ratio | 12.2250% | 1,446 |
| Tier 1 risk-based capital ratio | 36.5517% | 313 |
| Total risk-based capital ratio | 37.3036% | 319 |
| Memoranda: | ||
| Average total assets | $252,290,500 | 2,548 |
| Average earning assets | $236,508,500 | 2,479 |
| Average equity | $30,766,000 | 2,127 |
| Average total loans | $66,923,500 | 4,737 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7398% | 7,287 |
| Cost of funding earning assets | 1.6341% | 1,893 |
| Net interest margin | 2.1058% | 7,430 |
| Noninterest income to average assets | 0.1831% | 6,446 |
| Noninterest expense to average assets | 1.3426% | 7,509 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.5421% | 3,920 |
| Return on assets (ROA) | 0.5421% | 4,068 |
| Pretax return on assets | 0.8156% | 3,583 |
| Return on Equity (ROE) | 4.4778% | 4,308 |
| Retained earnings to average equity (ytd only) | 4.4778% | 2,735 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2114% | 5,693 |
| Assets per employee ($millions) | 13.9609% | 111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9597% | 6,532 |
| Loan loss allowance to noncurrent loans | 816.6667% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.0513% | 7,106 |
| Noncurrent loans to loans | 0.1175% | 6,850 |
| Net loans and leases to total assets | 26.1584% | 7,435 |
| Net loans and leases to deposits | 37.2476% | 7,320 |
| Net loans and leases to core deposits | 41.3597% | 7,276 |
| Total domestic deposits to total assets | 70.2283% | 7,225 |
| Equity capital to assets | 12.1641% | 1,819 |
| Core capital (leverage) ratio | 12.1641% | 1,450 |
| Tier 1 risk-based capital ratio | 37.6611% | 284 |
| Total risk-based capital ratio | 38.4459% | 288 |
| Memoranda: | ||
| Average total assets | $246,826,800 | 2,578 |
| Average earning assets | $231,507,600 | 2,511 |
| Average equity | $29,880,600 | 2,187 |
| Average total loans | $69,433,200 | 4,700 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7851% | 7,412 |
| Cost of funding earning assets | 1.6932% | 1,913 |
| Net interest margin | 2.0918% | 7,552 |
| Noninterest income to average assets | 0.1845% | 6,558 |
| Noninterest expense to average assets | 1.3408% | 7,619 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.5334% | 4,175 |
| Return on assets (ROA) | 0.5334% | 4,342 |
| Pretax return on assets | 0.8058% | 3,881 |
| Return on Equity (ROE) | 4.4116% | 4,596 |
| Retained earnings to average equity (ytd only) | 4.4116% | 3,395 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4621% | 5,532 |
| Assets per employee ($millions) | 13.1374% | 136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9315% | 6,639 |
| Loan loss allowance to noncurrent loans | 1,098.2759% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.0437% | 7,241 |
| Noncurrent loans to loans | 0.0848% | 7,022 |
| Net loans and leases to total assets | 27.1399% | 7,527 |
| Net loans and leases to deposits | 37.8171% | 7,426 |
| Net loans and leases to core deposits | 41.8372% | 7,382 |
| Total domestic deposits to total assets | 71.7664% | 7,156 |
| Equity capital to assets | 12.1041% | 2,089 |
| Core capital (leverage) ratio | 12.1041% | 1,615 |
| Tier 1 risk-based capital ratio | 38.1112% | 284 |
| Total risk-based capital ratio | 38.9147% | 285 |
| Memoranda: | ||
| Average total assets | $245,709,500 | 2,624 |
| Average earning assets | $230,478,250 | 2,562 |
| Average equity | $29,708,750 | 2,221 |
| Average total loans | $70,198,500 | 4,753 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8076% | 7,479 |
| Cost of funding earning assets | 1.7502% | 1,864 |
| Net interest margin | 2.0574% | 7,632 |
| Noninterest income to average assets | 0.1776% | 6,637 |
| Noninterest expense to average assets | 1.3420% | 7,691 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.5073% | 4,293 |
| Return on assets (ROA) | 0.5073% | 4,440 |
| Pretax return on assets | 0.7651% | 4,003 |
| Return on Equity (ROE) | 4.1976% | 4,685 |
| Retained earnings to average equity (ytd only) | 4.1976% | 3,397 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6893% | 5,389 |
| Assets per employee ($millions) | 13.5997% | 124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9049% | 6,742 |
| Loan loss allowance to noncurrent loans | 522.1311% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.0498% | 7,265 |
| Noncurrent loans to loans | 0.1733% | 6,909 |
| Net loans and leases to total assets | 28.4962% | 7,571 |
| Net loans and leases to deposits | 39.3545% | 7,454 |
| Net loans and leases to core deposits | 43.2376% | 7,422 |
| Total domestic deposits to total assets | 72.4090% | 7,146 |
| Equity capital to assets | 12.1939% | 1,981 |
| Core capital (leverage) ratio | 12.1939% | 1,543 |
| Tier 1 risk-based capital ratio | 35.2924% | 344 |
| Total risk-based capital ratio | 36.0456% | 352 |
| Memoranda: | ||
| Average total assets | $244,409,330 | 2,662 |
| Average earning assets | $229,226,000 | 2,592 |
| Average equity | $29,540,670 | 2,223 |
| Average total loans | $70,804,330 | 4,764 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8400% | 7,561 |
| Cost of funding earning assets | 1.7872% | 1,931 |
| Net interest margin | 2.0528% | 7,708 |
| Noninterest income to average assets | 0.1703% | 6,750 |
| Noninterest expense to average assets | 1.3136% | 7,800 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5127% | 4,332 |
| Return on assets (ROA) | 0.5127% | 4,472 |
| Pretax return on assets | 0.7813% | 3,947 |
| Return on Equity (ROE) | 4.2605% | 4,778 |
| Retained earnings to average equity (ytd only) | 4.2605% | 3,593 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7052% | 5,707 |
| Assets per employee ($millions) | 12.8355% | 144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8978% | 6,844 |
| Loan loss allowance to noncurrent loans | 526.4463% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.0496% | 7,363 |
| Noncurrent loans to loans | 0.1705% | 6,996 |
| Net loans and leases to total assets | 28.8332% | 7,654 |
| Net loans and leases to deposits | 39.9837% | 7,517 |
| Net loans and leases to core deposits | 43.3534% | 7,496 |
| Total domestic deposits to total assets | 72.1124% | 7,254 |
| Equity capital to assets | 12.1140% | 1,978 |
| Core capital (leverage) ratio | 12.1140% | 1,590 |
| Tier 1 risk-based capital ratio | 34.6440% | 364 |
| Total risk-based capital ratio | 35.3910% | 375 |
| Memoranda: | ||
| Average total assets | $244,217,000 | 2,715 |
| Average earning assets | $228,956,500 | 2,648 |
| Average equity | $29,386,000 | 2,252 |
| Average total loans | $71,009,500 | 4,820 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4449% | 7,437 |
| Cost of funding earning assets | 2.2294% | 1,901 |
| Net interest margin | 2.2155% | 7,641 |
| Noninterest income to average assets | 0.1743% | 6,832 |
| Noninterest expense to average assets | 1.4971% | 7,811 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.4921% | 3,761 |
| Return on assets (ROA) | 0.4921% | 3,859 |
| Pretax return on assets | 0.7494% | 3,409 |
| Return on Equity (ROE) | 3.9460% | 4,111 |
| Retained earnings to average equity (ytd only) | 3.8066% | 2,536 |
| Net charge-offs to loans | 0.0080% | 7,120 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 287.3333% | 102 |
| Efficiency ratio | 66.6409% | 5,260 |
| Assets per employee ($millions) | 11.6457% | 182 |
| Cash dividends to net income (ytd only)* | 3.5336% | 3,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8964% | 6,826 |
| Loan loss allowance to noncurrent loans | 595.3271% | 562 |
| Noncurrent assets plus other real estate owned to assets | 0.0438% | 7,396 |
| Noncurrent loans to loans | 0.1506% | 7,054 |
| Net loans and leases to total assets | 28.7980% | 7,737 |
| Net loans and leases to deposits | 40.5462% | 7,609 |
| Net loans and leases to core deposits | 55.3775% | 7,425 |
| Total domestic deposits to total assets | 71.0250% | 7,339 |
| Equity capital to assets | 11.9517% | 2,061 |
| Core capital (leverage) ratio | 11.9517% | 1,685 |
| Tier 1 risk-based capital ratio | 34.1564% | 366 |
| Total risk-based capital ratio | 34.9008% | 375 |
| Memoranda: | ||
| Average total assets | $230,038,000 | 2,822 |
| Average earning assets | $215,166,400 | 2,763 |
| Average equity | $28,687,200 | 2,320 |
| Average total loans | $75,078,000 | 4,680 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5764% | 7,442 |
| Cost of funding earning assets | 2.3093% | 1,946 |
| Net interest margin | 2.2671% | 7,678 |
| Noninterest income to average assets | 0.1820% | 6,924 |
| Noninterest expense to average assets | 1.5429% | 7,869 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.4982% | 3,993 |
| Return on assets (ROA) | 0.4982% | 4,085 |
| Pretax return on assets | 0.7585% | 3,672 |
| Return on Equity (ROE) | 3.9506% | 4,392 |
| Retained earnings to average equity (ytd only) | 3.7638% | 3,178 |
| Net charge-offs to loans | 0.0053% | 6,892 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 429.3225% | 83 |
| Efficiency ratio | 67.0420% | 5,177 |
| Assets per employee ($millions) | 11.9370% | 179 |
| Cash dividends to net income (ytd only)* | 4.7280% | 3,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8676% | 6,897 |
| Loan loss allowance to noncurrent loans | 1,044.2623% | 344 |
| Noncurrent assets plus other real estate owned to assets | 0.0256% | 7,526 |
| Noncurrent loans to loans | 0.0831% | 7,278 |
| Net loans and leases to total assets | 30.4864% | 7,794 |
| Net loans and leases to deposits | 43.9042% | 7,622 |
| Net loans and leases to core deposits | 59.5075% | 7,418 |
| Total domestic deposits to total assets | 69.4386% | 7,458 |
| Equity capital to assets | 12.1233% | 2,172 |
| Core capital (leverage) ratio | 12.1233% | 1,748 |
| Tier 1 risk-based capital ratio | 33.8752% | 407 |
| Total risk-based capital ratio | 34.6208% | 412 |
| Memoranda: | ||
| Average total assets | $226,407,750 | 2,879 |
| Average earning assets | $211,659,000 | 2,830 |
| Average equity | $28,551,750 | 2,355 |
| Average total loans | $76,081,250 | 4,692 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7536% | 7,308 |
| Cost of funding earning assets | 2.3768% | 2,056 |
| Net interest margin | 2.3768% | 7,593 |
| Noninterest income to average assets | 0.1880% | 6,951 |
| Noninterest expense to average assets | 1.6015% | 7,908 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.5245% | 4,003 |
| Return on assets (ROA) | 0.5245% | 4,116 |
| Pretax return on assets | 0.8061% | 3,651 |
| Return on Equity (ROE) | 4.1026% | 4,453 |
| Retained earnings to average equity (ytd only) | 3.8211% | 3,166 |
| Net charge-offs to loans | 0.0078% | 6,474 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 298.6667% | 130 |
| Efficiency ratio | 66.5172% | 5,455 |
| Assets per employee ($millions) | 10.4517% | 235 |
| Cash dividends to net income (ytd only)* | 6.8611% | 3,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8530% | 6,969 |
| Loan loss allowance to noncurrent loans | 1,044.2623% | 344 |
| Noncurrent assets plus other real estate owned to assets | 0.0265% | 7,554 |
| Noncurrent loans to loans | 0.0817% | 7,322 |
| Net loans and leases to total assets | 32.2014% | 7,832 |
| Net loans and leases to deposits | 47.2300% | 7,583 |
| Net loans and leases to core deposits | 62.5876% | 7,356 |
| Total domestic deposits to total assets | 68.1800% | 7,611 |
| Equity capital to assets | 12.4730% | 1,937 |
| Core capital (leverage) ratio | 12.4730% | 1,634 |
| Tier 1 risk-based capital ratio | 34.1323% | 444 |
| Total risk-based capital ratio | 34.8904% | 445 |
| Memoranda: | ||
| Average total assets | $222,297,330 | 2,947 |
| Average earning assets | $207,588,670 | 2,902 |
| Average equity | $28,421,330 | 2,379 |
| Average total loans | $76,968,330 | 4,699 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9397% | 7,071 |
| Cost of funding earning assets | 2.4325% | 2,168 |
| Net interest margin | 2.5072% | 7,492 |
| Noninterest income to average assets | 0.1501% | 7,226 |
| Noninterest expense to average assets | 1.4812% | 8,000 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6408% | 3,834 |
| Return on assets (ROA) | 0.6408% | 4,019 |
| Pretax return on assets | 1.0051% | 3,329 |
| Return on Equity (ROE) | 4.9484% | 4,489 |
| Retained earnings to average equity (ytd only) | 4.3829% | 3,480 |
| Net charge-offs to loans | 0.0154% | 5,369 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 183.0000% | 236 |
| Efficiency ratio | 59.5729% | 6,463 |
| Assets per employee ($millions) | 10.0598% | 261 |
| Cash dividends to net income (ytd only)* | 11.4286% | 2,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8259% | 7,062 |
| Loan loss allowance to noncurrent loans | 1,044.2623% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.0456% | 7,471 |
| Noncurrent loans to loans | 0.0791% | 7,297 |
| Net loans and leases to total assets | 34.5637% | 7,787 |
| Net loans and leases to deposits | 52.7872% | 7,355 |
| Net loans and leases to core deposits | 67.9750% | 7,134 |
| Total domestic deposits to total assets | 65.4774% | 7,764 |
| Equity capital to assets | 12.8536% | 1,804 |
| Core capital (leverage) ratio | 12.8536% | 1,534 |
| Tier 1 risk-based capital ratio | 33.6719% | 472 |
| Total risk-based capital ratio | 34.4259% | 480 |
| Memoranda: | ||
| Average total assets | $218,477,500 | 3,004 |
| Average earning assets | $203,574,500 | 2,973 |
| Average equity | $28,292,000 | 2,399 |
| Average total loans | $78,112,500 | 4,680 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1217% | 7,749 |
| Cost of funding earning assets | 2.7897% | 2,747 |
| Net interest margin | 2.3320% | 7,895 |
| Noninterest income to average assets | 0.1666% | 7,230 |
| Noninterest expense to average assets | 1.4871% | 8,041 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.5466% | 4,544 |
| Return on assets (ROA) | 0.5466% | 4,396 |
| Pretax return on assets | 0.8542% | 3,875 |
| Return on Equity (ROE) | 4.2810% | 4,693 |
| Retained earnings to average equity (ytd only) | 4.2810% | 2,451 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5157% | 5,666 |
| Assets per employee ($millions) | 9.8018% | 280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8092% | 7,065 |
| Loan loss allowance to noncurrent loans | 688.1720% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.0431% | 7,414 |
| Noncurrent loans to loans | 0.1176% | 7,063 |
| Net loans and leases to total assets | 36.3816% | 7,818 |
| Net loans and leases to deposits | 57.4150% | 7,239 |
| Net loans and leases to core deposits | 70.8955% | 7,138 |
| Total domestic deposits to total assets | 63.3661% | 7,822 |
| Equity capital to assets | 13.0482% | 1,764 |
| Core capital (leverage) ratio | 13.0482% | 1,527 |
| Tier 1 risk-based capital ratio | 33.5392% | 493 |
| Total risk-based capital ratio | 34.3020% | 497 |
| Memoranda: | ||
| Average total assets | $215,513,200 | 2,931 |
| Average earning assets | $200,986,800 | 2,882 |
| Average equity | $27,517,200 | 2,436 |
| Average total loans | $79,968,600 | 4,512 |