Home > Milestone Bank > Performance and Condition Ratios
Milestone Bank, Performance and Condition Ratios
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.0108% | 77 |
| Cost of funding earning assets | 3.5228% | 187 |
| Net interest margin | 6.4880% | 67 |
| Noninterest income to average assets | 0.5700% | 1,582 |
| Noninterest expense to average assets | 3.2340% | 798 |
| Loan and lease loss provision to assets | 2.4000% | 25 |
| Net operating income to assets | 0.9589% | 2,190 |
| Return on assets (ROA) | 0.9623% | 2,181 |
| Pretax return on assets | 1.2838% | 1,813 |
| Return on Equity (ROE) | 8.0200% | 2,764 |
| Retained earnings to average equity (ytd only) | 8.0162% | 1,386 |
| Net charge-offs to loans | 1.9292% | 73 |
| Credit loss provision to net charge-offs | 143.3010% | 1,333 |
| Earnings coverage of net charge-offs (x) | 2.1955% | 2,606 |
| Efficiency ratio | 46.7476% | 4,137 |
| Assets per employee ($millions) | 7.7507% | 1,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7013% | 184 |
| Loan loss allowance to noncurrent loans | 243.7176% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 0.8610% | 793 |
| Noncurrent loans to loans | 1.1084% | 897 |
| Net loans and leases to total assets | 75.5800% | 1,182 |
| Net loans and leases to deposits | 88.9770% | 1,334 |
| Net loans and leases to core deposits | 2,555.3225% | 6 |
| Total domestic deposits to total assets | 84.9400% | 2,318 |
| Equity capital to assets | 11.3534% | 1,543 |
| Core capital (leverage) ratio | 11.7635% | 1,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $368,281,000 | 2,144 |
| Average earning assets | $360,267,500 | 2,068 |
| Average equity | $44,209,250 | 1,860 |
| Average total loans | $320,337,500 | 1,783 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.1470% | 78 |
| Cost of funding earning assets | 3.5094% | 173 |
| Net interest margin | 6.6376% | 62 |
| Noninterest income to average assets | 0.4700% | 1,991 |
| Noninterest expense to average assets | 3.2773% | 746 |
| Loan and lease loss provision to assets | 2.5900% | 23 |
| Net operating income to assets | 0.8149% | 2,577 |
| Return on assets (ROA) | 0.8113% | 2,610 |
| Pretax return on assets | 1.0822% | 2,259 |
| Return on Equity (ROE) | 6.6200% | 3,093 |
| Retained earnings to average equity (ytd only) | 6.6235% | 1,774 |
| Net charge-offs to loans | 2.1384% | 71 |
| Credit loss provision to net charge-offs | 134.1061% | 1,281 |
| Earnings coverage of net charge-offs (x) | 1.9026% | 2,437 |
| Efficiency ratio | 47.0953% | 4,147 |
| Assets per employee ($millions) | 8.0632% | 1,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1830% | 308 |
| Loan loss allowance to noncurrent loans | 252.6664% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 0.7800% | 843 |
| Noncurrent loans to loans | 0.8640% | 1,093 |
| Net loans and leases to total assets | 88.3100% | 67 |
| Net loans and leases to deposits | 103.0399% | 400 |
| Net loans and leases to core deposits | 3,536.1680% | 5 |
| Total domestic deposits to total assets | 85.7100% | 2,072 |
| Equity capital to assets | 11.5096% | 1,342 |
| Core capital (leverage) ratio | 11.9510% | 1,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $356,696,333 | 2,186 |
| Average earning assets | $348,949,000 | 2,106 |
| Average equity | $43,693,000 | 1,860 |
| Average total loans | $322,757,667 | 1,769 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.1205% | 75 |
| Cost of funding earning assets | 3.4935% | 156 |
| Net interest margin | 6.6270% | 69 |
| Noninterest income to average assets | 0.3200% | 2,808 |
| Noninterest expense to average assets | 3.2688% | 756 |
| Loan and lease loss provision to assets | 3.0200% | 17 |
| Net operating income to assets | 0.3946% | 3,634 |
| Return on assets (ROA) | 0.3900% | 3,666 |
| Pretax return on assets | 0.5200% | 3,533 |
| Return on Equity (ROE) | 3.0800% | 3,837 |
| Retained earnings to average equity (ytd only) | 3.0786% | 2,963 |
| Net charge-offs to loans | 2.2894% | 42 |
| Credit loss provision to net charge-offs | 145.5675% | 956 |
| Earnings coverage of net charge-offs (x) | 1.7092% | 2,037 |
| Efficiency ratio | 47.9718% | 4,101 |
| Assets per employee ($millions) | 7.0589% | 2,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1675% | 296 |
| Loan loss allowance to noncurrent loans | 266.3119% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 0.7424% | 821 |
| Noncurrent loans to loans | 0.8139% | 1,081 |
| Net loans and leases to total assets | 89.2400% | 44 |
| Net loans and leases to deposits | 105.4609% | 292 |
| Net loans and leases to core deposits | 3,680.3708% | 31 |
| Total domestic deposits to total assets | 84.6200% | 2,535 |
| Equity capital to assets | 11.8326% | 1,176 |
| Core capital (leverage) ratio | 12.0675% | 1,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $341,528,500 | 2,251 |
| Average earning assets | $334,451,500 | 2,170 |
| Average equity | $43,266,500 | 1,858 |
| Average total loans | $309,419,500 | 1,809 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.0579% | 88 |
| Cost of funding earning assets | 2.4162% | 442 |
| Net interest margin | 6.6417% | 74 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 4.4792% | 285 |
| Loan and lease loss provision to assets | 2.1300% | 28 |
| Net operating income to assets | 0.1010% | 4,251 |
| Return on assets (ROA) | 0.1032% | 4,277 |
| Pretax return on assets | 0.1401% | 4,247 |
| Return on Equity (ROE) | 0.6200% | 4,296 |
| Retained earnings to average equity (ytd only) | 0.6239% | 3,926 |
| Net charge-offs to loans | 1.6598% | 52 |
| Credit loss provision to net charge-offs | 144.2879% | 1,502 |
| Earnings coverage of net charge-offs (x) | 1.5360% | 2,753 |
| Efficiency ratio | 66.3966% | 2,296 |
| Assets per employee ($millions) | 6.0768% | 2,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2712% | 252 |
| Loan loss allowance to noncurrent loans | 306.7523% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 0.6655% | 800 |
| Noncurrent loans to loans | 0.7404% | 1,053 |
| Net loans and leases to total assets | 87.8400% | 93 |
| Net loans and leases to deposits | 103.6137% | 379 |
| Net loans and leases to core deposits | 3,778.1135% | 25 |
| Total domestic deposits to total assets | 84.7800% | 2,384 |
| Equity capital to assets | 13.6395% | 744 |
| Core capital (leverage) ratio | 14.2961% | 742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $259,779,200 | 2,623 |
| Average earning assets | $255,279,400 | 2,538 |
| Average equity | $42,954,600 | 1,789 |
| Average total loans | $230,988,000 | 2,096 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0000% | 4,616 |
| Cost of funding earning assets | 3,300.0000% | 5 |
| Net interest margin | 0.0000% | 4,578 |
| Noninterest income to average assets | 0.0000% | 4,562 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0000% | 4,375 |
| Return on assets (ROA) | 0.0781% | 4,353 |
| Pretax return on assets | 0.1069% | 4,338 |
| Return on Equity (ROE) | 0.4500% | 4,358 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 3.0000% | 2,048 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 0.2349% | 4,601 |
| Assets per employee ($millions) | 0.1523% | 4,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| 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 | 8.0000% | 4,545 |
| Equity capital to assets | 29,294.0000% | 14 |
| 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 | $-469,000 | 4,639 |
| Average earning assets | $19,404 | 4,576 |
| Average equity | $0 | 4,568 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5312% | 91 |
| Cost of funding earning assets | 1.9026% | 603 |
| Net interest margin | 6.6286% | 69 |
| Noninterest income to average assets | 0.1700% | 3,948 |
| Noninterest expense to average assets | 5.0523% | 217 |
| Loan and lease loss provision to assets | 1.5400% | 38 |
| Net operating income to assets | 0.0715% | 4,380 |
| Return on assets (ROA) | 0.0715% | 4,416 |
| Pretax return on assets | 0.0999% | 4,397 |
| Return on Equity (ROE) | 0.3900% | 4,412 |
| Retained earnings to average equity (ytd only) | 0.3870% | 4,006 |
| Net charge-offs to loans | 1.3728% | 61 |
| Credit loss provision to net charge-offs | 127.4217% | 1,298 |
| Earnings coverage of net charge-offs (x) | 1.3568% | 2,368 |
| Efficiency ratio | 75.4795% | 1,220 |
| Assets per employee ($millions) | 4.0509% | 4,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2937% | 267 |
| Loan loss allowance to noncurrent loans | 600.2336% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 0.3408% | 1,554 |
| Noncurrent loans to loans | 0.3821% | 1,779 |
| Net loans and leases to total assets | 87.1400% | 112 |
| Net loans and leases to deposits | 108.0793% | 247 |
| Net loans and leases to core deposits | 31,858.0786% | 2 |
| Total domestic deposits to total assets | 80.6300% | 3,481 |
| Equity capital to assets | 17.0869% | 385 |
| Core capital (leverage) ratio | 18.4061% | 325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $232,131,333 | 2,800 |
| Average earning assets | $228,525,000 | 2,705 |
| Average equity | $42,899,000 | 1,788 |
| Average total loans | $204,547,333 | 2,258 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7683% | 44 |
| Cost of funding earning assets | 1.8194% | 434 |
| Net interest margin | 6.9490% | 51 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 5.4263% | 206 |
| Loan and lease loss provision to assets | 1.3300% | 57 |
| Net operating income to assets | 0.2007% | 4,354 |
| Return on assets (ROA) | 0.2120% | 4,307 |
| Pretax return on assets | 0.2839% | 4,275 |
| Return on Equity (ROE) | 1.1000% | 4,374 |
| Retained earnings to average equity (ytd only) | 1.1005% | 3,851 |
| Net charge-offs to loans | 1.5235% | 53 |
| Credit loss provision to net charge-offs | 100.0000% | 1,112 |
| Earnings coverage of net charge-offs (x) | 1.2022% | 1,981 |
| Efficiency ratio | 77.1984% | 1,073 |
| Assets per employee ($millions) | 3.7506% | 4,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3586% | 260 |
| Loan loss allowance to noncurrent loans | 517.7560% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 0.4079% | 1,266 |
| Noncurrent loans to loans | 0.4555% | 1,579 |
| Net loans and leases to total assets | 87.4400% | 90 |
| Net loans and leases to deposits | 111.7096% | 159 |
| Net loans and leases to core deposits | 29,063.9586% | 1 |
| Total domestic deposits to total assets | 78.2700% | 3,975 |
| Equity capital to assets | 19.0858% | 261 |
| Core capital (leverage) ratio | 19.4757% | 285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $222,618,500 | 2,891 |
| Average earning assets | $219,197,500 | 2,802 |
| Average equity | $42,891,000 | 1,802 |
| Average total loans | $194,819,500 | 2,341 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.1239% | 21 |
| Cost of funding earning assets | 0.9576% | 199 |
| Net interest margin | 8.1663% | 23 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 5.0269% | 214 |
| Loan and lease loss provision to assets | 0.6700% | 78 |
| Net operating income to assets | 1.9855% | 305 |
| Return on assets (ROA) | 1.9574% | 312 |
| Pretax return on assets | 2.6092% | 183 |
| Return on Equity (ROE) | 10.5600% | 2,630 |
| Retained earnings to average equity (ytd only) | 9.8325% | 1,211 |
| Net charge-offs to loans | 0.6804% | 103 |
| Credit loss provision to net charge-offs | 109.1228% | 1,510 |
| Earnings coverage of net charge-offs (x) | 5.3947% | 2,377 |
| Efficiency ratio | 60.2585% | 3,024 |
| Assets per employee ($millions) | 3.4406% | 4,452 |
| Cash dividends to net income (ytd only)* | 6.8852% | 3,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5265% | 207 |
| Loan loss allowance to noncurrent loans | 675.1420% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 0.3197% | 1,582 |
| Noncurrent loans to loans | 0.3742% | 1,800 |
| Net loans and leases to total assets | 83.2700% | 309 |
| Net loans and leases to deposits | 107.9365% | 196 |
| Net loans and leases to core deposits | 23,721.8629% | 2 |
| Total domestic deposits to total assets | 77.1500% | 4,157 |
| Equity capital to assets | 19.4514% | 239 |
| Core capital (leverage) ratio | 21.0320% | 222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $185,500,800 | 3,141 |
| Average earning assets | $182,652,600 | 3,049 |
| Average equity | $34,386,000 | 2,135 |
| Average total loans | $167,536,200 | 2,480 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.3718% | 21 |
| Cost of funding earning assets | 0.8240% | 142 |
| Net interest margin | 8.5478% | 21 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 5.1590% | 209 |
| Loan and lease loss provision to assets | 0.5500% | 91 |
| Net operating income to assets | 2.2846% | 195 |
| Return on assets (ROA) | 2.2447% | 201 |
| Pretax return on assets | 2.9919% | 139 |
| Return on Equity (ROE) | 12.3000% | 1,941 |
| Retained earnings to average equity (ytd only) | 11.2656% | 979 |
| Net charge-offs to loans | 0.3695% | 168 |
| Credit loss provision to net charge-offs | 161.5556% | 1,092 |
| Earnings coverage of net charge-offs (x) | 10.5822% | 1,977 |
| Efficiency ratio | 58.9624% | 3,255 |
| Assets per employee ($millions) | 3.0195% | 4,565 |
| Cash dividends to net income (ytd only)* | 8.3977% | 2,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9212% | 143 |
| Loan loss allowance to noncurrent loans | 989.1566% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.2660% | 1,890 |
| Noncurrent loans to loans | 0.2953% | 2,185 |
| Net loans and leases to total assets | 87.4500% | 74 |
| Net loans and leases to deposits | 118.5126% | 61 |
| Net loans and leases to core deposits | 30,887.7358% | 2 |
| Total domestic deposits to total assets | 73.7900% | 4,459 |
| Equity capital to assets | 22.5299% | 167 |
| Core capital (leverage) ratio | 22.7380% | 180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $176,826,000 | 3,241 |
| Average earning assets | $174,105,750 | 3,138 |
| Average equity | $32,274,500 | 2,263 |
| Average total loans | $162,389,500 | 2,525 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.5811% | 18 |
| Cost of funding earning assets | 0.7666% | 116 |
| Net interest margin | 8.8145% | 20 |
| Noninterest income to average assets | 0.3565% | 3,014 |
| Noninterest expense to average assets | 4.9260% | 174 |
| Loan and lease loss provision to assets | 0.5745% | 89 |
| Net operating income to assets | 2.6517% | 96 |
| Return on assets (ROA) | 2.6107% | 95 |
| Pretax return on assets | 3.4794% | 71 |
| Return on Equity (ROE) | 15.6213% | 768 |
| Retained earnings to average equity (ytd only) | 13.8955% | 369 |
| Net charge-offs to loans | 0.4342% | 161 |
| Credit loss provision to net charge-offs | 143.1034% | 1,110 |
| Earnings coverage of net charge-offs (x) | 10.2270% | 1,761 |
| Efficiency ratio | 54.5408% | 3,915 |
| Assets per employee ($millions) | 3.0949% | 4,618 |
| Cash dividends to net income (ytd only)* | 11.0473% | 2,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8882% | 159 |
| Loan loss allowance to noncurrent loans | 1,098.1693% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.2434% | 2,108 |
| Noncurrent loans to loans | 0.2630% | 2,423 |
| Net loans and leases to total assets | 89.8932% | 24 |
| Net loans and leases to deposits | 113.4476% | 70 |
| Net loans and leases to core deposits | 36,260.8989% | 2 |
| Total domestic deposits to total assets | 79.2377% | 4,284 |
| Equity capital to assets | 16.6928% | 295 |
| Core capital (leverage) ratio | 17.5704% | 296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $173,365,000 | 3,303 |
| Average earning assets | $170,627,667 | 3,210 |
| Average equity | $28,973,333 | 2,465 |
| Average total loans | $160,309,000 | 2,545 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.4906% | 19 |
| Cost of funding earning assets | 0.7324% | 128 |
| Net interest margin | 8.7581% | 20 |
| Noninterest income to average assets | 0.3735% | 2,853 |
| Noninterest expense to average assets | 5.0171% | 172 |
| Loan and lease loss provision to assets | 0.6154% | 71 |
| Net operating income to assets | 2.5258% | 119 |
| Return on assets (ROA) | 2.4757% | 122 |
| Pretax return on assets | 3.3001% | 85 |
| Return on Equity (ROE) | 14.8044% | 685 |
| Retained earnings to average equity (ytd only) | 14.8044% | 303 |
| Net charge-offs to loans | 0.1728% | 347 |
| Credit loss provision to net charge-offs | 385.2941% | 590 |
| Earnings coverage of net charge-offs (x) | 24.9118% | 1,204 |
| Efficiency ratio | 55.7702% | 3,898 |
| Assets per employee ($millions) | 2.9895% | 4,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0754% | 152 |
| Loan loss allowance to noncurrent loans | 430.8719% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 0.6596% | 894 |
| Noncurrent loans to loans | 0.7138% | 1,330 |
| Net loans and leases to total assets | 89.5711% | 14 |
| Net loans and leases to deposits | 114.7154% | 46 |
| Net loans and leases to core deposits | 45,156.8047% | 1 |
| Total domestic deposits to total assets | 78.0811% | 4,401 |
| Equity capital to assets | 17.0216% | 269 |
| Core capital (leverage) ratio | 17.7864% | 253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $170,296,000 | 3,343 |
| Average earning assets | $167,661,000 | 3,252 |
| Average equity | $28,478,000 | 2,572 |
| Average total loans | $157,383,500 | 2,573 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2507% | 24 |
| Cost of funding earning assets | 0.8785% | 136 |
| Net interest margin | 7.3721% | 27 |
| Noninterest income to average assets | 0.4360% | 2,878 |
| Noninterest expense to average assets | 4.6123% | 203 |
| Loan and lease loss provision to assets | 0.1305% | 941 |
| Net operating income to assets | 2.2266% | 234 |
| Return on assets (ROA) | 2.2202% | 247 |
| Pretax return on assets | 2.9596% | 153 |
| Return on Equity (ROE) | 16.2068% | 719 |
| Retained earnings to average equity (ytd only) | 14.0508% | 300 |
| Net charge-offs to loans | 0.4147% | 198 |
| Credit loss provision to net charge-offs | 34.4415% | 2,219 |
| Earnings coverage of net charge-offs (x) | 8.1742% | 2,314 |
| Efficiency ratio | 59.8183% | 3,180 |
| Assets per employee ($millions) | 2.9858% | 4,690 |
| Cash dividends to net income (ytd only)* | 13.3031% | 3,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9556% | 153 |
| Loan loss allowance to noncurrent loans | 406.7367% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 0.6716% | 962 |
| Noncurrent loans to loans | 0.7267% | 1,399 |
| Net loans and leases to total assets | 89.6904% | 19 |
| Net loans and leases to deposits | 118.6228% | 42 |
| Net loans and leases to core deposits | 35,416.4733% | 1 |
| Total domestic deposits to total assets | 75.6098% | 4,530 |
| Equity capital to assets | 16.4233% | 338 |
| Core capital (leverage) ratio | 17.6681% | 258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $198,406,000 | 3,077 |
| Average earning assets | $195,777,800 | 2,991 |
| Average equity | $27,180,000 | 2,710 |
| Average total loans | $181,329,600 | 2,378 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0541% | 25 |
| Cost of funding earning assets | 0.9040% | 142 |
| Net interest margin | 7.1501% | 34 |
| Noninterest income to average assets | 0.4426% | 2,878 |
| Noninterest expense to average assets | 4.4050% | 224 |
| Loan and lease loss provision to assets | 0.1441% | 784 |
| Net operating income to assets | 2.2133% | 316 |
| Return on assets (ROA) | 2.2077% | 336 |
| Pretax return on assets | 2.9436% | 185 |
| Return on Equity (ROE) | 16.8075% | 798 |
| Retained earnings to average equity (ytd only) | 15.1475% | 375 |
| Net charge-offs to loans | 0.3744% | 207 |
| Credit loss provision to net charge-offs | 42.2053% | 1,905 |
| Earnings coverage of net charge-offs (x) | 9.0665% | 2,088 |
| Efficiency ratio | 58.7350% | 3,162 |
| Assets per employee ($millions) | 3.0566% | 4,744 |
| Cash dividends to net income (ytd only)* | 9.8765% | 2,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9125% | 169 |
| Loan loss allowance to noncurrent loans | 316.8304% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 0.8467% | 826 |
| Noncurrent loans to loans | 0.9193% | 1,255 |
| Net loans and leases to total assets | 89.4261% | 23 |
| Net loans and leases to deposits | 130.1042% | 23 |
| Net loans and leases to core deposits | 41,672.3514% | 2 |
| Total domestic deposits to total assets | 68.7342% | 4,765 |
| Equity capital to assets | 15.0814% | 526 |
| Core capital (leverage) ratio | 17.6412% | 284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $205,459,750 | 3,059 |
| Average earning assets | $202,790,000 | 2,965 |
| Average equity | $26,987,250 | 2,757 |
| Average total loans | $187,338,500 | 2,362 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7702% | 27 |
| Cost of funding earning assets | 0.9284% | 161 |
| Net interest margin | 6.8418% | 37 |
| Noninterest income to average assets | 0.4555% | 2,818 |
| Noninterest expense to average assets | 4.1257% | 265 |
| Loan and lease loss provision to assets | 0.0496% | 2,038 |
| Net operating income to assets | 2.2766% | 294 |
| Return on assets (ROA) | 2.2700% | 314 |
| Pretax return on assets | 3.0267% | 186 |
| Return on Equity (ROE) | 18.0332% | 651 |
| Retained earnings to average equity (ytd only) | 15.5664% | 374 |
| Net charge-offs to loans | 0.2850% | 309 |
| Credit loss provision to net charge-offs | 19.1336% | 1,738 |
| Earnings coverage of net charge-offs (x) | 11.9061% | 1,739 |
| Efficiency ratio | 57.2188% | 3,375 |
| Assets per employee ($millions) | 3.5813% | 4,632 |
| Cash dividends to net income (ytd only)* | 13.6794% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5959% | 249 |
| Loan loss allowance to noncurrent loans | 203.3072% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 1.1448% | 619 |
| Noncurrent loans to loans | 1.2769% | 925 |
| Net loans and leases to total assets | 87.3326% | 52 |
| Net loans and leases to deposits | 148.1281% | 17 |
| Net loans and leases to core deposits | 36,980.3607% | 2 |
| Total domestic deposits to total assets | 58.9575% | 4,876 |
| Equity capital to assets | 13.2770% | 871 |
| Core capital (leverage) ratio | 18.1785% | 253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $213,832,667 | 2,985 |
| Average earning assets | $211,113,667 | 2,898 |
| Average equity | $26,917,000 | 2,745 |
| Average total loans | $194,414,667 | 2,315 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4144% | 38 |
| Cost of funding earning assets | 0.9607% | 167 |
| Net interest margin | 6.4537% | 46 |
| Noninterest income to average assets | 0.5281% | 2,490 |
| Noninterest expense to average assets | 4.1060% | 262 |
| Loan and lease loss provision to assets | 0.7104% | 75 |
| Net operating income to assets | 1.5396% | 1,240 |
| Return on assets (ROA) | 1.5249% | 1,337 |
| Pretax return on assets | 2.0642% | 851 |
| Return on Equity (ROE) | 12.4485% | 1,855 |
| Retained earnings to average equity (ytd only) | 11.8261% | 1,195 |
| Net charge-offs to loans | 0.9650% | 80 |
| Credit loss provision to net charge-offs | 80.4211% | 1,206 |
| Earnings coverage of net charge-offs (x) | 3.1621% | 1,775 |
| Efficiency ratio | 59.5148% | 3,085 |
| Assets per employee ($millions) | 3.7279% | 4,610 |
| Cash dividends to net income (ytd only)* | 5.0000% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4615% | 277 |
| Loan loss allowance to noncurrent loans | 212.8583% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 1.0605% | 768 |
| Noncurrent loans to loans | 1.1564% | 1,148 |
| Net loans and leases to total assets | 89.4484% | 27 |
| Net loans and leases to deposits | 161.6391% | 15 |
| Net loans and leases to core deposits | 44,361.8625% | 1 |
| Total domestic deposits to total assets | 55.3384% | 4,909 |
| Equity capital to assets | 11.9541% | 1,311 |
| Core capital (leverage) ratio | 17.3031% | 296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $215,100,000 | 2,965 |
| Average earning assets | $212,342,500 | 2,875 |
| Average equity | $26,348,500 | 2,781 |
| Average total loans | $196,897,000 | 2,303 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0387% | 29 |
| Cost of funding earning assets | 1.4299% | 111 |
| Net interest margin | 6.6089% | 30 |
| Noninterest income to average assets | 0.1138% | 4,694 |
| Noninterest expense to average assets | 3.5530% | 645 |
| Loan and lease loss provision to assets | 1.8525% | 36 |
| Net operating income to assets | 0.9441% | 2,505 |
| Return on assets (ROA) | 0.9490% | 2,632 |
| Pretax return on assets | 1.2666% | 2,101 |
| Return on Equity (ROE) | 7.2979% | 3,077 |
| Retained earnings to average equity (ytd only) | 4.6571% | 2,446 |
| Net charge-offs to loans | 1.1123% | 117 |
| Credit loss provision to net charge-offs | 184.8297% | 2,241 |
| Earnings coverage of net charge-offs (x) | 3.1058% | 3,112 |
| Efficiency ratio | 53.3013% | 4,283 |
| Assets per employee ($millions) | 3.6214% | 4,599 |
| Cash dividends to net income (ytd only)* | 36.1853% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7254% | 202 |
| Loan loss allowance to noncurrent loans | 646.7925% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.3851% | 2,443 |
| Noncurrent loans to loans | 0.4214% | 2,714 |
| Net loans and leases to total assets | 88.9114% | 36 |
| Net loans and leases to deposits | 154.9125% | 16 |
| Net loans and leases to core deposits | 36,199.4083% | 3 |
| Total domestic deposits to total assets | 57.3946% | 4,924 |
| Equity capital to assets | 12.5758% | 1,283 |
| Core capital (leverage) ratio | 17.7331% | 271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $193,358,800 | 2,999 |
| Average earning assets | $191,697,400 | 2,896 |
| Average equity | $25,144,200 | 2,795 |
| Average total loans | $174,234,200 | 2,451 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6694% | 25 |
| Cost of funding earning assets | 1.5229% | 110 |
| Net interest margin | 7.1465% | 27 |
| Noninterest income to average assets | 0.0196% | 4,954 |
| Noninterest expense to average assets | 3.4403% | 764 |
| Loan and lease loss provision to assets | 2.3857% | 33 |
| Net operating income to assets | 0.9623% | 2,480 |
| Return on assets (ROA) | 0.9623% | 2,613 |
| Pretax return on assets | 1.2871% | 2,107 |
| Return on Equity (ROE) | 7.3346% | 3,078 |
| Retained earnings to average equity (ytd only) | 5.3406% | 2,410 |
| Net charge-offs to loans | 1.1862% | 111 |
| Credit loss provision to net charge-offs | 224.0448% | 2,023 |
| Earnings coverage of net charge-offs (x) | 3.4493% | 2,912 |
| Efficiency ratio | 48.3680% | 4,588 |
| Assets per employee ($millions) | 3.8209% | 4,462 |
| Cash dividends to net income (ytd only)* | 27.1866% | 2,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7104% | 188 |
| Loan loss allowance to noncurrent loans | 660.1227% | 851 |
| Noncurrent assets plus other real estate owned to assets | 0.3742% | 2,652 |
| Noncurrent loans to loans | 0.4106% | 2,825 |
| Net loans and leases to total assets | 88.6707% | 68 |
| Net loans and leases to deposits | 164.4576% | 16 |
| Net loans and leases to core deposits | 29,573.6600% | 3 |
| Total domestic deposits to total assets | 53.9171% | 4,964 |
| Equity capital to assets | 11.8463% | 1,767 |
| Core capital (leverage) ratio | 16.8704% | 348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $190,093,500 | 3,011 |
| Average earning assets | $188,674,500 | 2,903 |
| Average equity | $24,940,500 | 2,794 |
| Average total loans | $170,624,500 | 2,479 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6253% | 27 |
| Cost of funding earning assets | 1.6214% | 102 |
| Net interest margin | 7.0038% | 31 |
| Noninterest income to average assets | 0.0265% | 4,960 |
| Noninterest expense to average assets | 3.6625% | 603 |
| Loan and lease loss provision to assets | 3.3230% | 23 |
| Net operating income to assets | -0.0122% | 4,786 |
| Return on assets (ROA) | -0.0122% | 4,801 |
| Pretax return on assets | -0.0088% | 4,795 |
| Return on Equity (ROE) | -0.0892% | 4,799 |
| Retained earnings to average equity (ytd only) | -2.7825% | 4,643 |
| Net charge-offs to loans | 1.4417% | 91 |
| Credit loss provision to net charge-offs | 258.3835% | 1,729 |
| Earnings coverage of net charge-offs (x) | 2.5770% | 2,758 |
| Efficiency ratio | 52.4964% | 4,327 |
| Assets per employee ($millions) | 4.1026% | 4,202 |
| Cash dividends to net income (ytd only)* | -3,018.1818% | 5,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6590% | 188 |
| Loan loss allowance to noncurrent loans | 1,168.4902% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.1989% | 3,542 |
| Noncurrent loans to loans | 0.2276% | 3,561 |
| Net loans and leases to total assets | 85.0900% | 181 |
| Net loans and leases to deposits | 150.1609% | 20 |
| Net loans and leases to core deposits | 24,998.7212% | 3 |
| Total domestic deposits to total assets | 56.6659% | 4,985 |
| Equity capital to assets | 10.6462% | 2,623 |
| Core capital (leverage) ratio | 14.6001% | 638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $180,861,333 | 3,066 |
| Average earning assets | $179,473,000 | 2,965 |
| Average equity | $24,654,000 | 2,805 |
| Average total loans | $161,334,000 | 2,555 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.4066% | 26 |
| Cost of funding earning assets | 1.8447% | 64 |
| Net interest margin | 7.5618% | 30 |
| Noninterest income to average assets | 0.0563% | 4,957 |
| Noninterest expense to average assets | 4.3166% | 362 |
| Loan and lease loss provision to assets | 2.5214% | 44 |
| Net operating income to assets | 0.5345% | 3,792 |
| Return on assets (ROA) | 0.5345% | 3,855 |
| Pretax return on assets | 0.7237% | 3,616 |
| Return on Equity (ROE) | 3.3776% | 4,122 |
| Retained earnings to average equity (ytd only) | -1.3252% | 4,179 |
| Net charge-offs to loans | 1.4549% | 99 |
| Credit loss provision to net charge-offs | 191.4563% | 1,440 |
| Earnings coverage of net charge-offs (x) | 2.4641% | 2,288 |
| Efficiency ratio | 57.0849% | 4,105 |
| Assets per employee ($millions) | 3.1737% | 4,704 |
| Cash dividends to net income (ytd only)* | 139.2344% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8466% | 172 |
| Loan loss allowance to noncurrent loans | 471.9382% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.5408% | 2,373 |
| Noncurrent loans to loans | 0.6032% | 2,485 |
| Net loans and leases to total assets | 87.1053% | 93 |
| Net loans and leases to deposits | 106.5968% | 274 |
| Net loans and leases to core deposits | 14,095.7336% | 4 |
| Total domestic deposits to total assets | 81.7147% | 3,491 |
| Equity capital to assets | 15.8926% | 602 |
| Core capital (leverage) ratio | 16.0858% | 507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $156,419,500 | 3,252 |
| Average earning assets | $155,253,500 | 3,143 |
| Average equity | $24,751,500 | 2,792 |
| Average total loans | $141,586,000 | 2,713 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9083% | 37 |
| Cost of funding earning assets | 1.8813% | 105 |
| Net interest margin | 7.0270% | 39 |
| Noninterest income to average assets | 0.0370% | 5,060 |
| Noninterest expense to average assets | 3.1576% | 1,618 |
| Loan and lease loss provision to assets | 1.0521% | 88 |
| Net operating income to assets | 1.9973% | 356 |
| Return on assets (ROA) | 1.9973% | 368 |
| Pretax return on assets | 2.6670% | 156 |
| Return on Equity (ROE) | 13.2712% | 1,089 |
| Retained earnings to average equity (ytd only) | 4.8075% | 2,530 |
| Net charge-offs to loans | 1.3426% | 110 |
| Credit loss provision to net charge-offs | 85.2785% | 2,726 |
| Earnings coverage of net charge-offs (x) | 3.0145% | 3,362 |
| Efficiency ratio | 45.9166% | 4,913 |
| Assets per employee ($millions) | 8.7581% | 538 |
| Cash dividends to net income (ytd only)* | 63.7751% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4335% | 235 |
| Loan loss allowance to noncurrent loans | 549.1366% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.4041% | 2,784 |
| Noncurrent loans to loans | 0.4432% | 2,855 |
| Net loans and leases to total assets | 88.9625% | 67 |
| Net loans and leases to deposits | 110.9428% | 172 |
| Net loans and leases to core deposits | 15,360.8981% | 4 |
| Total domestic deposits to total assets | 80.1878% | 3,938 |
| Equity capital to assets | 15.7239% | 654 |
| Core capital (leverage) ratio | 15.6564% | 568 |
| Tier 1 risk-based capital ratio | 16.8938% | 2,084 |
| Total risk-based capital ratio | 18.1581% | 2,026 |
| Memoranda: | ||
| Average total assets | $167,376,200 | 3,130 |
| Average earning assets | $162,915,000 | 3,057 |
| Average equity | $25,189,800 | 2,706 |
| Average total loans | $153,810,800 | 2,579 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8760% | 37 |
| Cost of funding earning assets | 1.8802% | 106 |
| Net interest margin | 6.9958% | 39 |
| Noninterest income to average assets | 0.0141% | 5,183 |
| Noninterest expense to average assets | 2.9994% | 1,982 |
| Loan and lease loss provision to assets | 1.0419% | 86 |
| Net operating income to assets | 2.0611% | 351 |
| Return on assets (ROA) | 2.0611% | 363 |
| Pretax return on assets | 2.7536% | 160 |
| Return on Equity (ROE) | 13.8390% | 1,017 |
| Retained earnings to average equity (ytd only) | 8.9149% | 1,075 |
| Net charge-offs to loans | 1.1241% | 128 |
| Credit loss provision to net charge-offs | 100.6829% | 2,236 |
| Earnings coverage of net charge-offs (x) | 3.6677% | 3,083 |
| Efficiency ratio | 44.1414% | 5,005 |
| Assets per employee ($millions) | 9.0486% | 474 |
| Cash dividends to net income (ytd only)* | 35.5809% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5584% | 206 |
| Loan loss allowance to noncurrent loans | 517.0963% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.4525% | 2,709 |
| Noncurrent loans to loans | 0.4948% | 2,812 |
| Net loans and leases to total assets | 89.1180% | 60 |
| Net loans and leases to deposits | 111.4497% | 191 |
| Net loans and leases to core deposits | 14,202.6419% | 5 |
| Total domestic deposits to total assets | 79.9625% | 3,999 |
| Equity capital to assets | 16.0675% | 621 |
| Core capital (leverage) ratio | 15.8843% | 575 |
| Tier 1 risk-based capital ratio | 17.2139% | 2,023 |
| Total risk-based capital ratio | 18.4795% | 1,973 |
| Memoranda: | ||
| Average total assets | $169,809,000 | 3,147 |
| Average earning assets | $164,590,000 | 3,073 |
| Average equity | $25,290,250 | 2,707 |
| Average total loans | $156,327,750 | 2,582 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6154% | 39 |
| Cost of funding earning assets | 1.8448% | 104 |
| Net interest margin | 6.7706% | 43 |
| Noninterest income to average assets | 0.0151% | 5,227 |
| Noninterest expense to average assets | 2.9235% | 2,216 |
| Loan and lease loss provision to assets | 0.9842% | 100 |
| Net operating income to assets | 2.0218% | 371 |
| Return on assets (ROA) | 2.0218% | 393 |
| Pretax return on assets | 2.7004% | 183 |
| Return on Equity (ROE) | 13.9217% | 1,001 |
| Retained earnings to average equity (ytd only) | 8.9451% | 1,041 |
| Net charge-offs to loans | 0.7520% | 191 |
| Credit loss provision to net charge-offs | 141.8760% | 1,551 |
| Earnings coverage of net charge-offs (x) | 5.3116% | 2,673 |
| Efficiency ratio | 44.2413% | 5,059 |
| Assets per employee ($millions) | 14.1231% | 127 |
| Cash dividends to net income (ytd only)* | 35.7471% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6116% | 194 |
| Loan loss allowance to noncurrent loans | 364.8065% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.6555% | 2,076 |
| Noncurrent loans to loans | 0.7159% | 2,192 |
| Net loans and leases to total assets | 89.1814% | 73 |
| Net loans and leases to deposits | 109.9231% | 223 |
| Net loans and leases to core deposits | 15,053.9841% | 5 |
| Total domestic deposits to total assets | 81.1308% | 3,764 |
| Equity capital to assets | 15.1012% | 784 |
| Core capital (leverage) ratio | 15.1301% | 679 |
| Tier 1 risk-based capital ratio | 16.1715% | 2,340 |
| Total risk-based capital ratio | 17.4384% | 2,286 |
| Memoranda: | ||
| Average total assets | $172,120,330 | 3,133 |
| Average earning assets | $167,607,000 | 3,053 |
| Average equity | $24,997,000 | 2,725 |
| Average total loans | $158,783,000 | 2,552 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4760% | 40 |
| Cost of funding earning assets | 1.7808% | 108 |
| Net interest margin | 6.6952% | 45 |
| Noninterest income to average assets | 0.0138% | 5,289 |
| Noninterest expense to average assets | 2.8551% | 2,398 |
| Loan and lease loss provision to assets | 1.2777% | 66 |
| Net operating income to assets | 1.8035% | 580 |
| Return on assets (ROA) | 1.8035% | 597 |
| Pretax return on assets | 2.4100% | 290 |
| Return on Equity (ROE) | 12.6645% | 1,333 |
| Retained earnings to average equity (ytd only) | 7.6278% | 1,797 |
| Net charge-offs to loans | 0.8046% | 186 |
| Credit loss provision to net charge-offs | 171.5170% | 1,145 |
| Earnings coverage of net charge-offs (x) | 4.9505% | 2,295 |
| Efficiency ratio | 43.6376% | 5,113 |
| Assets per employee ($millions) | 14.4406% | 117 |
| Cash dividends to net income (ytd only)* | 39.7698% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5143% | 241 |
| Loan loss allowance to noncurrent loans | 290.1439% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.8021% | 1,764 |
| Noncurrent loans to loans | 0.8666% | 1,909 |
| Net loans and leases to total assets | 90.2387% | 46 |
| Net loans and leases to deposits | 111.7765% | 181 |
| Net loans and leases to core deposits | 13,753.0343% | 6 |
| Total domestic deposits to total assets | 80.7314% | 4,017 |
| Equity capital to assets | 14.3912% | 910 |
| Core capital (leverage) ratio | 14.6704% | 770 |
| Tier 1 risk-based capital ratio | 15.2603% | 2,768 |
| Total risk-based capital ratio | 16.5251% | 2,668 |
| Memoranda: | ||
| Average total assets | $173,442,000 | 3,157 |
| Average earning assets | $169,135,500 | 3,062 |
| Average equity | $24,699,000 | 2,744 |
| Average total loans | $160,577,000 | 2,556 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7923% | 46 |
| Cost of funding earning assets | 1.5409% | 74 |
| Net interest margin | 6.2514% | 62 |
| Noninterest income to average assets | 0.0086% | 5,337 |
| Noninterest expense to average assets | 2.6648% | 3,140 |
| Loan and lease loss provision to assets | 0.7131% | 140 |
| Net operating income to assets | 2.5057% | 149 |
| Return on assets (ROA) | 2.5057% | 147 |
| Pretax return on assets | 2.7724% | 135 |
| Return on Equity (ROE) | 18.9856% | 314 |
| Retained earnings to average equity (ytd only) | 14.4539% | 140 |
| Net charge-offs to loans | 0.6818% | 241 |
| Credit loss provision to net charge-offs | 113.0672% | 2,294 |
| Earnings coverage of net charge-offs (x) | 5.5263% | 3,187 |
| Efficiency ratio | 43.3277% | 5,201 |
| Assets per employee ($millions) | 14.4664% | 111 |
| Cash dividends to net income (ytd only)* | 23.8693% | 3,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3652% | 263 |
| Loan loss allowance to noncurrent loans | 668.1898% | 850 |
| Noncurrent assets plus other real estate owned to assets | 0.3278% | 3,242 |
| Noncurrent loans to loans | 0.3540% | 3,274 |
| Net loans and leases to total assets | 90.4088% | 58 |
| Net loans and leases to deposits | 110.8250% | 230 |
| Net loans and leases to core deposits | 13,334.4945% | 6 |
| Total domestic deposits to total assets | 81.5780% | 3,770 |
| Equity capital to assets | 14.1062% | 937 |
| Core capital (leverage) ratio | 14.3180% | 838 |
| Tier 1 risk-based capital ratio | 14.9705% | 2,842 |
| Total risk-based capital ratio | 16.2335% | 2,766 |
| Memoranda: | ||
| Average total assets | $174,721,800 | 3,115 |
| Average earning assets | $171,656,600 | 3,004 |
| Average equity | $23,059,600 | 2,811 |
| Average total loans | $161,638,600 | 2,504 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6502% | 47 |
| Cost of funding earning assets | 1.4956% | 68 |
| Net interest margin | 6.1546% | 68 |
| Noninterest income to average assets | 0.0091% | 5,411 |
| Noninterest expense to average assets | 2.5904% | 3,312 |
| Loan and lease loss provision to assets | 0.7352% | 133 |
| Net operating income to assets | 2.6155% | 132 |
| Return on assets (ROA) | 2.6155% | 130 |
| Pretax return on assets | 2.7283% | 157 |
| Return on Equity (ROE) | 20.1617% | 267 |
| Retained earnings to average equity (ytd only) | 15.8510% | 141 |
| Net charge-offs to loans | 0.6203% | 236 |
| Credit loss provision to net charge-offs | 128.1541% | 1,914 |
| Earnings coverage of net charge-offs (x) | 6.0372% | 2,921 |
| Efficiency ratio | 42.7888% | 5,254 |
| Assets per employee ($millions) | 14.5628% | 109 |
| Cash dividends to net income (ytd only)* | 21.3807% | 2,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3763% | 279 |
| Loan loss allowance to noncurrent loans | 499.3548% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.4435% | 2,910 |
| Noncurrent loans to loans | 0.4759% | 2,959 |
| Net loans and leases to total assets | 90.9798% | 46 |
| Net loans and leases to deposits | 110.4519% | 276 |
| Net loans and leases to core deposits | 14,653.4562% | 6 |
| Total domestic deposits to total assets | 82.3705% | 3,497 |
| Equity capital to assets | 13.6473% | 1,073 |
| Core capital (leverage) ratio | 13.8377% | 984 |
| Tier 1 risk-based capital ratio | 14.4118% | 3,162 |
| Total risk-based capital ratio | 15.6754% | 3,074 |
| Memoranda: | ||
| Average total assets | $175,003,000 | 3,133 |
| Average earning assets | $171,877,250 | 3,031 |
| Average equity | $22,702,500 | 2,857 |
| Average total loans | $161,861,000 | 2,518 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5045% | 47 |
| Cost of funding earning assets | 1.4350% | 65 |
| Net interest margin | 6.0696% | 71 |
| Noninterest income to average assets | 0.0023% | 5,484 |
| Noninterest expense to average assets | 2.5085% | 3,611 |
| Loan and lease loss provision to assets | 0.8133% | 111 |
| Net operating income to assets | 2.8432% | 96 |
| Return on assets (ROA) | 2.8432% | 96 |
| Pretax return on assets | 2.6524% | 168 |
| Return on Equity (ROE) | 22.3025% | 148 |
| Retained earnings to average equity (ytd only) | 18.5212% | 89 |
| Net charge-offs to loans | 0.7503% | 190 |
| Credit loss provision to net charge-offs | 117.4917% | 1,818 |
| Earnings coverage of net charge-offs (x) | 5.0066% | 2,749 |
| Efficiency ratio | 41.9885% | 5,348 |
| Assets per employee ($millions) | 14.6297% | 106 |
| Cash dividends to net income (ytd only)* | 16.9546% | 3,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3323% | 300 |
| Loan loss allowance to noncurrent loans | 503.8822% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.4255% | 3,020 |
| Noncurrent loans to loans | 0.4629% | 3,046 |
| Net loans and leases to total assets | 89.7833% | 76 |
| Net loans and leases to deposits | 108.5821% | 331 |
| Net loans and leases to core deposits | 7,463.0682% | 6 |
| Total domestic deposits to total assets | 82.6870% | 3,500 |
| Equity capital to assets | 13.2265% | 1,214 |
| Core capital (leverage) ratio | 13.5874% | 1,040 |
| Tier 1 risk-based capital ratio | 14.1108% | 3,311 |
| Total risk-based capital ratio | 15.3736% | 3,221 |
| Memoranda: | ||
| Average total assets | $175,086,330 | 3,150 |
| Average earning assets | $172,269,670 | 3,041 |
| Average equity | $22,320,330 | 2,901 |
| Average total loans | $161,528,000 | 2,534 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3212% | 49 |
| Cost of funding earning assets | 1.3746% | 66 |
| Net interest margin | 5.9466% | 73 |
| Noninterest income to average assets | 0.0069% | 5,554 |
| Noninterest expense to average assets | 2.4455% | 3,827 |
| Loan and lease loss provision to assets | 0.7435% | 125 |
| Net operating income to assets | 3.7220% | 55 |
| Return on assets (ROA) | 3.7220% | 55 |
| Pretax return on assets | 2.6766% | 162 |
| Return on Equity (ROE) | 29.7570% | 45 |
| Retained earnings to average equity (ytd only) | 25.8979% | 42 |
| Net charge-offs to loans | 0.4431% | 342 |
| Credit loss provision to net charge-offs | 181.5642% | 1,112 |
| Earnings coverage of net charge-offs (x) | 8.3520% | 2,037 |
| Efficiency ratio | 41.6927% | 5,410 |
| Assets per employee ($millions) | 14.5093% | 110 |
| Cash dividends to net income (ytd only)* | 12.9687% | 2,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3789% | 293 |
| Loan loss allowance to noncurrent loans | 460.5327% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.4744% | 2,955 |
| Noncurrent loans to loans | 0.5166% | 2,966 |
| Net loans and leases to total assets | 89.6560% | 71 |
| Net loans and leases to deposits | 107.4195% | 327 |
| Net loans and leases to core deposits | 14,880.9342% | 6 |
| Total domestic deposits to total assets | 83.4634% | 3,519 |
| Equity capital to assets | 12.9653% | 1,264 |
| Core capital (leverage) ratio | 12.9867% | 1,183 |
| Tier 1 risk-based capital ratio | 13.8453% | 3,469 |
| Total risk-based capital ratio | 15.1088% | 3,373 |
| Memoranda: | ||
| Average total assets | $174,851,500 | 3,193 |
| Average earning assets | $172,266,000 | 3,072 |
| Average equity | $21,870,500 | 2,965 |
| Average total loans | $161,600,000 | 2,556 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0802% | 56 |
| Cost of funding earning assets | 1.2080% | 70 |
| Net interest margin | 5.8721% | 77 |
| Noninterest income to average assets | 0.1167% | 5,351 |
| Noninterest expense to average assets | 2.6186% | 3,383 |
| Loan and lease loss provision to assets | 0.9352% | 108 |
| Net operating income to assets | 1.5034% | 800 |
| Return on assets (ROA) | 1.5034% | 812 |
| Pretax return on assets | 2.3999% | 217 |
| Return on Equity (ROE) | 12.5881% | 1,060 |
| Retained earnings to average equity (ytd only) | 8.4346% | 635 |
| Net charge-offs to loans | 1.1578% | 143 |
| Credit loss provision to net charge-offs | 85.4770% | 2,859 |
| Earnings coverage of net charge-offs (x) | 3.0482% | 3,657 |
| Efficiency ratio | 43.9827% | 5,454 |
| Assets per employee ($millions) | 14.6327% | 102 |
| Cash dividends to net income (ytd only)* | 32.9953% | 3,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2401% | 348 |
| Loan loss allowance to noncurrent loans | 527.8499% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.3947% | 3,276 |
| Noncurrent loans to loans | 0.4244% | 3,259 |
| Net loans and leases to total assets | 90.9136% | 52 |
| Net loans and leases to deposits | 110.2915% | 261 |
| Net loans and leases to core deposits | 14,052.5528% | 5 |
| Total domestic deposits to total assets | 82.4303% | 3,749 |
| Equity capital to assets | 12.0546% | 1,796 |
| Core capital (leverage) ratio | 12.3884% | 1,407 |
| Tier 1 risk-based capital ratio | 12.7440% | 4,065 |
| Total risk-based capital ratio | 14.0059% | 3,953 |
| Memoranda: | ||
| Average total assets | $170,548,000 | 3,240 |
| Average earning assets | $169,530,000 | 3,084 |
| Average equity | $20,368,400 | 3,101 |
| Average total loans | $161,166,000 | 2,535 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1317% | 52 |
| Cost of funding earning assets | 1.1810% | 71 |
| Net interest margin | 5.9507% | 73 |
| Noninterest income to average assets | 0.1457% | 5,279 |
| Noninterest expense to average assets | 2.5353% | 3,611 |
| Loan and lease loss provision to assets | 1.1160% | 92 |
| Net operating income to assets | 1.5098% | 874 |
| Return on assets (ROA) | 1.5098% | 902 |
| Pretax return on assets | 2.4116% | 248 |
| Return on Equity (ROE) | 12.6728% | 1,130 |
| Retained earnings to average equity (ytd only) | 8.4815% | 1,025 |
| Net charge-offs to loans | 1.3496% | 121 |
| Credit loss provision to net charge-offs | 87.1464% | 2,493 |
| Earnings coverage of net charge-offs (x) | 2.7546% | 3,427 |
| Efficiency ratio | 41.8161% | 5,541 |
| Assets per employee ($millions) | 14.3645% | 101 |
| Cash dividends to net income (ytd only)* | 33.0724% | 2,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3339% | 328 |
| Loan loss allowance to noncurrent loans | 953.8462% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.2263% | 4,156 |
| Noncurrent loans to loans | 0.2447% | 4,076 |
| Net loans and leases to total assets | 90.3089% | 71 |
| Net loans and leases to deposits | 108.8549% | 312 |
| Net loans and leases to core deposits | 13,763.8373% | 5 |
| Total domestic deposits to total assets | 82.9626% | 3,465 |
| Equity capital to assets | 12.0291% | 1,949 |
| Core capital (leverage) ratio | 12.1564% | 1,599 |
| Tier 1 risk-based capital ratio | 12.7945% | 4,142 |
| Total risk-based capital ratio | 14.0582% | 4,041 |
| Memoranda: | ||
| Average total assets | $169,287,000 | 3,283 |
| Average earning assets | $168,334,500 | 3,119 |
| Average equity | $20,168,750 | 3,147 |
| Average total loans | $160,633,750 | 2,560 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1127% | 56 |
| Cost of funding earning assets | 1.1309% | 88 |
| Net interest margin | 5.9819% | 75 |
| Noninterest income to average assets | 0.1961% | 5,068 |
| Noninterest expense to average assets | 2.5354% | 3,627 |
| Loan and lease loss provision to assets | 0.9818% | 100 |
| Net operating income to assets | 1.6451% | 632 |
| Return on assets (ROA) | 1.6451% | 654 |
| Pretax return on assets | 2.6269% | 170 |
| Return on Equity (ROE) | 13.8539% | 836 |
| Retained earnings to average equity (ytd only) | 9.6196% | 670 |
| Net charge-offs to loans | 1.0556% | 189 |
| Credit loss provision to net charge-offs | 97.1765% | 2,068 |
| Earnings coverage of net charge-offs (x) | 3.5718% | 3,028 |
| Efficiency ratio | 41.2652% | 5,598 |
| Assets per employee ($millions) | 15.4766% | 77 |
| Cash dividends to net income (ytd only)* | 30.5636% | 2,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4148% | 316 |
| Loan loss allowance to noncurrent loans | 580.2377% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.3953% | 3,536 |
| Noncurrent loans to loans | 0.4162% | 3,527 |
| Net loans and leases to total assets | 92.6928% | 24 |
| Net loans and leases to deposits | 111.9623% | 229 |
| Net loans and leases to core deposits | 12,494.2993% | 6 |
| Total domestic deposits to total assets | 82.7893% | 3,633 |
| Equity capital to assets | 11.9905% | 1,936 |
| Core capital (leverage) ratio | 12.3432% | 1,446 |
| Tier 1 risk-based capital ratio | 12.4820% | 4,316 |
| Total risk-based capital ratio | 13.7460% | 4,204 |
| Memoranda: | ||
| Average total assets | $168,258,000 | 3,305 |
| Average earning assets | $167,305,670 | 3,144 |
| Average equity | $19,980,000 | 3,159 |
| Average total loans | $161,048,670 | 2,545 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1638% | 53 |
| Cost of funding earning assets | 1.1038% | 93 |
| Net interest margin | 6.0600% | 76 |
| Noninterest income to average assets | 0.1937% | 5,110 |
| Noninterest expense to average assets | 2.2575% | 4,513 |
| Loan and lease loss provision to assets | 0.7557% | 136 |
| Net operating income to assets | 2.0088% | 299 |
| Return on assets (ROA) | 2.0088% | 309 |
| Pretax return on assets | 3.2069% | 113 |
| Return on Equity (ROE) | 17.0010% | 412 |
| Retained earnings to average equity (ytd only) | 12.7305% | 401 |
| Net charge-offs to loans | 0.9781% | 171 |
| Credit loss provision to net charge-offs | 80.4071% | 1,754 |
| Earnings coverage of net charge-offs (x) | 4.2163% | 2,407 |
| Efficiency ratio | 36.2937% | 5,752 |
| Assets per employee ($millions) | 16.7313% | 65 |
| Cash dividends to net income (ytd only)* | 25.1190% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4215% | 344 |
| Loan loss allowance to noncurrent loans | 506.8421% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.4542% | 3,382 |
| Noncurrent loans to loans | 0.4778% | 3,376 |
| Net loans and leases to total assets | 92.7734% | 13 |
| Net loans and leases to deposits | 113.1488% | 158 |
| Net loans and leases to core deposits | 10,908.0815% | 8 |
| Total domestic deposits to total assets | 81.9924% | 4,171 |
| Equity capital to assets | 12.0003% | 1,846 |
| Core capital (leverage) ratio | 12.1160% | 1,555 |
| Tier 1 risk-based capital ratio | 12.4831% | 4,399 |
| Total risk-based capital ratio | 13.7470% | 4,294 |
| Memoranda: | ||
| Average total assets | $167,265,500 | 3,338 |
| Average earning assets | $166,336,500 | 3,188 |
| Average equity | $19,763,500 | 3,196 |
| Average total loans | $160,719,000 | 2,570 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4533% | 47 |
| Cost of funding earning assets | 1.0468% | 134 |
| Net interest margin | 6.4065% | 55 |
| Noninterest income to average assets | 0.2463% | 4,948 |
| Noninterest expense to average assets | 2.3401% | 4,452 |
| Loan and lease loss provision to assets | 1.4437% | 65 |
| Net operating income to assets | 1.7783% | 462 |
| Return on assets (ROA) | 1.7783% | 483 |
| Pretax return on assets | 2.8347% | 131 |
| Return on Equity (ROE) | 15.2179% | 600 |
| Retained earnings to average equity (ytd only) | 11.9092% | 225 |
| Net charge-offs to loans | 1.1132% | 163 |
| Credit loss provision to net charge-offs | 135.1159% | 2,008 |
| Earnings coverage of net charge-offs (x) | 4.0042% | 3,575 |
| Efficiency ratio | 35.3573% | 5,832 |
| Assets per employee ($millions) | 18.5798% | 54 |
| Cash dividends to net income (ytd only)* | 21.7422% | 3,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4199% | 346 |
| Loan loss allowance to noncurrent loans | 643.0442% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.3654% | 3,819 |
| Noncurrent loans to loans | 0.3763% | 3,777 |
| Net loans and leases to total assets | 94.7476% | 8 |
| Net loans and leases to deposits | 115.3404% | 138 |
| Net loans and leases to core deposits | 10,748.6431% | 9 |
| Total domestic deposits to total assets | 82.1461% | 4,033 |
| Equity capital to assets | 11.6309% | 2,062 |
| Core capital (leverage) ratio | 11.9529% | 1,632 |
| Tier 1 risk-based capital ratio | 11.8999% | 4,796 |
| Total risk-based capital ratio | 13.1639% | 4,673 |
| Memoranda: | ||
| Average total assets | $157,511,800 | 3,425 |
| Average earning assets | $156,668,200 | 3,286 |
| Average equity | $18,406,000 | 3,353 |
| Average total loans | $151,185,600 | 2,625 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5205% | 45 |
| Cost of funding earning assets | 1.0371% | 140 |
| Net interest margin | 6.4834% | 53 |
| Noninterest income to average assets | 0.3327% | 4,408 |
| Noninterest expense to average assets | 2.3539% | 4,401 |
| Loan and lease loss provision to assets | 1.5767% | 56 |
| Net operating income to assets | 1.7839% | 504 |
| Return on assets (ROA) | 1.7839% | 535 |
| Pretax return on assets | 2.8517% | 136 |
| Return on Equity (ROE) | 15.2470% | 641 |
| Retained earnings to average equity (ytd only) | 11.9624% | 310 |
| Net charge-offs to loans | 1.4035% | 102 |
| Credit loss provision to net charge-offs | 117.4136% | 2,130 |
| Earnings coverage of net charge-offs (x) | 3.2977% | 3,440 |
| Efficiency ratio | 34.7066% | 5,901 |
| Assets per employee ($millions) | 14.6637% | 86 |
| Cash dividends to net income (ytd only)* | 21.5423% | 3,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3388% | 412 |
| Loan loss allowance to noncurrent loans | 1,077.6119% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.2077% | 4,604 |
| Noncurrent loans to loans | 0.2170% | 4,488 |
| Net loans and leases to total assets | 93.4532% | 15 |
| Net loans and leases to deposits | 113.2565% | 196 |
| Net loans and leases to core deposits | 11,559.8926% | 8 |
| Total domestic deposits to total assets | 82.5147% | 3,774 |
| Equity capital to assets | 11.7178% | 2,329 |
| Core capital (leverage) ratio | 11.9109% | 1,737 |
| Tier 1 risk-based capital ratio | 12.1369% | 4,706 |
| Total risk-based capital ratio | 13.3999% | 4,605 |
| Memoranda: | ||
| Average total assets | $155,085,250 | 3,465 |
| Average earning assets | $154,276,750 | 3,332 |
| Average equity | $18,145,250 | 3,406 |
| Average total loans | $148,391,000 | 2,666 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5387% | 45 |
| Cost of funding earning assets | 1.0223% | 151 |
| Net interest margin | 6.5164% | 51 |
| Noninterest income to average assets | 0.2026% | 5,282 |
| Noninterest expense to average assets | 2.3044% | 4,602 |
| Loan and lease loss provision to assets | 1.3633% | 69 |
| Net operating income to assets | 1.8848% | 410 |
| Return on assets (ROA) | 1.8848% | 430 |
| Pretax return on assets | 3.0167% | 120 |
| Return on Equity (ROE) | 16.1177% | 528 |
| Retained earnings to average equity (ytd only) | 14.0388% | 182 |
| Net charge-offs to loans | 1.3019% | 123 |
| Credit loss provision to net charge-offs | 109.4439% | 1,969 |
| Earnings coverage of net charge-offs (x) | 3.5163% | 3,095 |
| Efficiency ratio | 34.4740% | 5,984 |
| Assets per employee ($millions) | 17.5487% | 59 |
| Cash dividends to net income (ytd only)* | 12.8988% | 3,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2884% | 481 |
| Loan loss allowance to noncurrent loans | 1,471.2446% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.1475% | 4,924 |
| Noncurrent loans to loans | 0.1555% | 4,815 |
| Net loans and leases to total assets | 92.6769% | 17 |
| Net loans and leases to deposits | 111.9720% | 208 |
| Net loans and leases to core deposits | 11,013.6945% | 6 |
| Total domestic deposits to total assets | 82.7679% | 3,737 |
| Equity capital to assets | 11.7337% | 2,323 |
| Core capital (leverage) ratio | 11.9373% | 1,676 |
| Tier 1 risk-based capital ratio | 12.2362% | 4,683 |
| Total risk-based capital ratio | 13.4987% | 4,594 |
| Memoranda: | ||
| Average total assets | $153,013,330 | 3,510 |
| Average earning assets | $152,200,330 | 3,380 |
| Average equity | $17,893,330 | 3,454 |
| Average total loans | $146,404,330 | 2,698 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5245% | 47 |
| Cost of funding earning assets | 1.0100% | 157 |
| Net interest margin | 6.5145% | 51 |
| Noninterest income to average assets | 0.1913% | 5,359 |
| Noninterest expense to average assets | 2.2185% | 4,864 |
| Loan and lease loss provision to assets | 1.3152% | 69 |
| Net operating income to assets | 1.9555% | 361 |
| Return on assets (ROA) | 1.9555% | 379 |
| Pretax return on assets | 3.1352% | 118 |
| Return on Equity (ROE) | 16.7520% | 462 |
| Retained earnings to average equity (ytd only) | 13.9069% | 326 |
| Net charge-offs to loans | 1.8603% | 82 |
| Credit loss provision to net charge-offs | 73.5513% | 1,881 |
| Earnings coverage of net charge-offs (x) | 2.4889% | 2,674 |
| Efficiency ratio | 33.2669% | 6,053 |
| Assets per employee ($millions) | 16.9369% | 64 |
| Cash dividends to net income (ytd only)* | 16.9837% | 2,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1689% | 616 |
| Loan loss allowance to noncurrent loans | 2,569.1057% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.0807% | 5,256 |
| Noncurrent loans to loans | 0.0844% | 5,140 |
| Net loans and leases to total assets | 93.5060% | 12 |
| Net loans and leases to deposits | 112.4743% | 175 |
| Net loans and leases to core deposits | 12,058.6294% | 6 |
| Total domestic deposits to total assets | 83.1354% | 3,849 |
| Equity capital to assets | 11.7318% | 2,218 |
| Core capital (leverage) ratio | 11.8147% | 1,735 |
| Tier 1 risk-based capital ratio | 12.1493% | 4,816 |
| Total risk-based capital ratio | 13.4102% | 4,708 |
| Memoranda: | ||
| Average total assets | $150,551,000 | 3,575 |
| Average earning assets | $149,697,000 | 3,424 |
| Average equity | $17,574,000 | 3,503 |
| Average total loans | $144,706,500 | 2,720 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2284% | 36 |
| Cost of funding earning assets | 0.8926% | 298 |
| Net interest margin | 7.3358% | 39 |
| Noninterest income to average assets | 0.2346% | 5,190 |
| Noninterest expense to average assets | 2.7122% | 3,535 |
| Loan and lease loss provision to assets | 1.6745% | 41 |
| Net operating income to assets | 1.9460% | 381 |
| Return on assets (ROA) | 1.9460% | 389 |
| Pretax return on assets | 3.1025% | 114 |
| Return on Equity (ROE) | 15.8830% | 566 |
| Retained earnings to average equity (ytd only) | 12.3418% | 232 |
| Net charge-offs to loans | 0.9962% | 204 |
| Credit loss provision to net charge-offs | 177.0270% | 1,532 |
| Earnings coverage of net charge-offs (x) | 5.0501% | 3,445 |
| Efficiency ratio | 36.2149% | 6,108 |
| Assets per employee ($millions) | 16.5189% | 65 |
| Cash dividends to net income (ytd only)* | 22.2952% | 3,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3226% | 501 |
| Loan loss allowance to noncurrent loans | 808.2324% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.2778% | 4,475 |
| Noncurrent loans to loans | 0.2874% | 4,435 |
| Net loans and leases to total assets | 94.4252% | 6 |
| Net loans and leases to deposits | 114.3008% | 164 |
| Net loans and leases to core deposits | 11,698.5000% | 7 |
| Total domestic deposits to total assets | 82.6112% | 3,972 |
| Equity capital to assets | 11.6130% | 2,268 |
| Core capital (leverage) ratio | 12.1327% | 1,539 |
| Tier 1 risk-based capital ratio | 11.9269% | 5,003 |
| Total risk-based capital ratio | 13.1897% | 4,896 |
| Memoranda: | ||
| Average total assets | $132,991,000 | 3,830 |
| Average earning assets | $131,519,800 | 3,670 |
| Average equity | $16,294,200 | 3,628 |
| Average total loans | $126,285,600 | 2,944 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3977% | 34 |
| Cost of funding earning assets | 0.8734% | 335 |
| Net interest margin | 7.5244% | 36 |
| Noninterest income to average assets | 0.2221% | 5,325 |
| Noninterest expense to average assets | 2.7281% | 3,464 |
| Loan and lease loss provision to assets | 1.2654% | 48 |
| Net operating income to assets | 2.2933% | 220 |
| Return on assets (ROA) | 2.2933% | 230 |
| Pretax return on assets | 3.6599% | 84 |
| Return on Equity (ROE) | 18.4402% | 373 |
| Retained earnings to average equity (ytd only) | 14.5279% | 187 |
| Net charge-offs to loans | 0.7841% | 262 |
| Credit loss provision to net charge-offs | 170.8508% | 1,525 |
| Earnings coverage of net charge-offs (x) | 6.6499% | 3,021 |
| Efficiency ratio | 35.6458% | 6,188 |
| Assets per employee ($millions) | 15.3920% | 76 |
| Cash dividends to net income (ytd only)* | 21.2160% | 3,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1742% | 695 |
| Loan loss allowance to noncurrent loans | 1,331.9444% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.1559% | 5,136 |
| Noncurrent loans to loans | 0.1632% | 4,996 |
| Net loans and leases to total assets | 93.4461% | 13 |
| Net loans and leases to deposits | 113.8434% | 170 |
| Net loans and leases to core deposits | 15,863.8480% | 7 |
| Total domestic deposits to total assets | 82.0830% | 4,135 |
| Equity capital to assets | 12.2784% | 1,889 |
| Core capital (leverage) ratio | 12.2172% | 1,557 |
| Tier 1 risk-based capital ratio | 12.7193% | 4,603 |
| Total risk-based capital ratio | 13.9808% | 4,499 |
| Memoranda: | ||
| Average total assets | $129,071,250 | 3,942 |
| Average earning assets | $127,475,500 | 3,786 |
| Average equity | $16,051,500 | 3,701 |
| Average total loans | $121,927,000 | 3,047 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4840% | 34 |
| Cost of funding earning assets | 0.8337% | 421 |
| Net interest margin | 7.6503% | 38 |
| Noninterest income to average assets | 0.1477% | 5,823 |
| Noninterest expense to average assets | 2.8510% | 3,062 |
| Loan and lease loss provision to assets | 1.4438% | 41 |
| Net operating income to assets | 2.1252% | 300 |
| Return on assets (ROA) | 2.1252% | 313 |
| Pretax return on assets | 3.3879% | 104 |
| Return on Equity (ROE) | 17.0096% | 488 |
| Retained earnings to average equity (ytd only) | 12.3821% | 363 |
| Net charge-offs to loans | 0.7749% | 286 |
| Credit loss provision to net charge-offs | 198.0392% | 1,248 |
| Earnings coverage of net charge-offs (x) | 6.6275% | 2,759 |
| Efficiency ratio | 37.1098% | 6,250 |
| Assets per employee ($millions) | 14.8840% | 76 |
| Cash dividends to net income (ytd only)* | 27.2048% | 2,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1790% | 760 |
| Loan loss allowance to noncurrent loans | 1,917.6871% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.1097% | 5,421 |
| Noncurrent loans to loans | 0.1136% | 5,300 |
| Net loans and leases to total assets | 94.4721% | 7 |
| Net loans and leases to deposits | 116.0199% | 148 |
| Net loans and leases to core deposits | 16,182.9923% | 8 |
| Total domestic deposits to total assets | 81.4275% | 4,473 |
| Equity capital to assets | 12.1159% | 1,939 |
| Core capital (leverage) ratio | 12.8106% | 1,250 |
| Tier 1 risk-based capital ratio | 12.4318% | 4,857 |
| Total risk-based capital ratio | 13.6926% | 4,761 |
| Memoranda: | ||
| Average total assets | $125,919,000 | 4,040 |
| Average earning assets | $124,021,330 | 3,882 |
| Average equity | $15,732,330 | 3,770 |
| Average total loans | $118,460,670 | 3,114 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8685% | 31 |
| Cost of funding earning assets | 0.8266% | 435 |
| Net interest margin | 8.0419% | 32 |
| Noninterest income to average assets | 0.2986% | 4,784 |
| Noninterest expense to average assets | 2.8515% | 3,066 |
| Loan and lease loss provision to assets | 1.6341% | 38 |
| Net operating income to assets | 2.3134% | 195 |
| Return on assets (ROA) | 2.3134% | 210 |
| Pretax return on assets | 3.6981% | 95 |
| Return on Equity (ROE) | 18.2129% | 370 |
| Retained earnings to average equity (ytd only) | 11.5736% | 634 |
| Net charge-offs to loans | 1.3344% | 151 |
| Credit loss provision to net charge-offs | 132.0955% | 1,357 |
| Earnings coverage of net charge-offs (x) | 4.3103% | 2,513 |
| Efficiency ratio | 34.8436% | 6,336 |
| Assets per employee ($millions) | 13.8738% | 96 |
| Cash dividends to net income (ytd only)* | 36.4539% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1317% | 882 |
| Loan loss allowance to noncurrent loans | 1,717.2414% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.1161% | 5,486 |
| Noncurrent loans to loans | 0.1241% | 5,327 |
| Net loans and leases to total assets | 91.5556% | 33 |
| Net loans and leases to deposits | 112.6206% | 178 |
| Net loans and leases to core deposits | 19,575.3425% | 6 |
| Total domestic deposits to total assets | 81.2956% | 4,737 |
| Equity capital to assets | 12.5817% | 1,642 |
| Core capital (leverage) ratio | 13.0706% | 1,131 |
| Tier 1 risk-based capital ratio | 13.2049% | 4,494 |
| Total risk-based capital ratio | 14.4649% | 4,408 |
| Memoranda: | ||
| Average total assets | $121,900,500 | 4,151 |
| Average earning assets | $119,524,500 | 3,985 |
| Average equity | $15,483,500 | 3,833 |
| Average total loans | $113,006,000 | 3,216 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.7389% | 23 |
| Cost of funding earning assets | 0.7959% | 663 |
| Net interest margin | 8.9429% | 23 |
| Noninterest income to average assets | 0.5185% | 3,371 |
| Noninterest expense to average assets | 4.5013% | 461 |
| Loan and lease loss provision to assets | 1.3056% | 74 |
| Net operating income to assets | 2.2124% | 222 |
| Return on assets (ROA) | 2.2124% | 220 |
| Pretax return on assets | 3.5314% | 81 |
| Return on Equity (ROE) | 14.5406% | 844 |
| Retained earnings to average equity (ytd only) | 7.5622% | 1,175 |
| Net charge-offs to loans | 0.8945% | 361 |
| Credit loss provision to net charge-offs | 157.8027% | 1,533 |
| Earnings coverage of net charge-offs (x) | 5.8464% | 3,340 |
| Efficiency ratio | 48.2026% | 6,178 |
| Assets per employee ($millions) | 13.2424% | 108 |
| Cash dividends to net income (ytd only)* | 47.9925% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1694% | 862 |
| Loan loss allowance to noncurrent loans | 1,741.9118% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.1141% | 5,574 |
| Noncurrent loans to loans | 0.1245% | 5,404 |
| Net loans and leases to total assets | 89.6385% | 69 |
| Net loans and leases to deposits | 112.6978% | 180 |
| Net loans and leases to core deposits | 6,888.0077% | 9 |
| Total domestic deposits to total assets | 79.5389% | 5,136 |
| Equity capital to assets | 12.8014% | 1,465 |
| Core capital (leverage) ratio | 14.3720% | 733 |
| Tier 1 risk-based capital ratio | 13.5162% | 4,402 |
| Total risk-based capital ratio | 14.7645% | 4,343 |
| Memoranda: | ||
| Average total assets | $96,816,400 | 4,681 |
| Average earning assets | $95,483,400 | 4,521 |
| Average equity | $14,731,200 | 3,890 |
| Average total loans | $89,542,600 | 3,641 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.9712% | 22 |
| Cost of funding earning assets | 0.7827% | 752 |
| Net interest margin | 9.1886% | 21 |
| Noninterest income to average assets | 0.1330% | 6,108 |
| Noninterest expense to average assets | 4.5264% | 448 |
| Loan and lease loss provision to assets | 1.1356% | 91 |
| Net operating income to assets | 2.2449% | 214 |
| Return on assets (ROA) | 2.2449% | 223 |
| Pretax return on assets | 3.5823% | 83 |
| Return on Equity (ROE) | 14.0273% | 975 |
| Retained earnings to average equity (ytd only) | 6.9862% | 1,828 |
| Net charge-offs to loans | 0.7027% | 495 |
| Credit loss provision to net charge-offs | 174.2152% | 1,428 |
| Earnings coverage of net charge-offs (x) | 7.2377% | 2,953 |
| Efficiency ratio | 48.9644% | 6,159 |
| Assets per employee ($millions) | 11.2662% | 163 |
| Cash dividends to net income (ytd only)* | 50.1951% | 1,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3503% | 781 |
| Loan loss allowance to noncurrent loans | 1,026.1468% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.2150% | 5,356 |
| Noncurrent loans to loans | 0.2290% | 5,208 |
| Net loans and leases to total assets | 91.6624% | 32 |
| Net loans and leases to deposits | 116.0788% | 129 |
| Net loans and leases to core deposits | 13,627.8592% | 7 |
| Total domestic deposits to total assets | 78.9656% | 5,335 |
| Equity capital to assets | 14.6988% | 809 |
| Core capital (leverage) ratio | 15.8983% | 494 |
| Tier 1 risk-based capital ratio | 15.4720% | 3,341 |
| Total risk-based capital ratio | 16.7354% | 3,270 |
| Memoranda: | ||
| Average total assets | $91,225,000 | 4,862 |
| Average earning assets | $90,458,000 | 4,694 |
| Average equity | $14,599,750 | 3,925 |
| Average total loans | $84,627,750 | 3,787 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.0913% | 23 |
| Cost of funding earning assets | 0.7946% | 732 |
| Net interest margin | 9.2966% | 23 |
| Noninterest income to average assets | 0.1526% | 6,034 |
| Noninterest expense to average assets | 4.4197% | 489 |
| Loan and lease loss provision to assets | 0.5966% | 235 |
| Net operating income to assets | 2.7279% | 114 |
| Return on assets (ROA) | 2.7279% | 115 |
| Pretax return on assets | 4.3536% | 70 |
| Return on Equity (ROE) | 16.5260% | 602 |
| Retained earnings to average equity (ytd only) | 9.4356% | 851 |
| Net charge-offs to loans | 0.8285% | 455 |
| Credit loss provision to net charge-offs | 77.9762% | 2,356 |
| Earnings coverage of net charge-offs (x) | 6.4702% | 2,768 |
| Efficiency ratio | 47.1689% | 6,318 |
| Assets per employee ($millions) | 11.5128% | 149 |
| Cash dividends to net income (ytd only)* | 42.9048% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1211% | 1,141 |
| Loan loss allowance to noncurrent loans | 1,969.8925% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.1010% | 5,849 |
| Noncurrent loans to loans | 0.1077% | 5,692 |
| Net loans and leases to total assets | 91.7874% | 27 |
| Net loans and leases to deposits | 121.6777% | 74 |
| Net loans and leases to core deposits | 16,133.2061% | 7 |
| Total domestic deposits to total assets | 75.4348% | 5,976 |
| Equity capital to assets | 16.0952% | 536 |
| Core capital (leverage) ratio | 16.9181% | 367 |
| Tier 1 risk-based capital ratio | 16.9152% | 2,657 |
| Total risk-based capital ratio | 18.1761% | 2,613 |
| Memoranda: | ||
| Average total assets | $87,834,670 | 4,980 |
| Average earning assets | $87,085,330 | 4,793 |
| Average equity | $14,498,330 | 3,946 |
| Average total loans | $81,110,670 | 3,877 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.0998% | 22 |
| Cost of funding earning assets | 0.8099% | 714 |
| Net interest margin | 9.2899% | 20 |
| Noninterest income to average assets | 0.2474% | 5,381 |
| Noninterest expense to average assets | 4.1633% | 632 |
| Loan and lease loss provision to assets | 0.3687% | 463 |
| Net operating income to assets | 3.0945% | 95 |
| Return on assets (ROA) | 3.0945% | 97 |
| Pretax return on assets | 4.9241% | 63 |
| Return on Equity (ROE) | 18.4995% | 398 |
| Retained earnings to average equity (ytd only) | 11.3285% | 697 |
| Net charge-offs to loans | 0.7543% | 461 |
| Credit loss provision to net charge-offs | 53.3784% | 2,171 |
| Earnings coverage of net charge-offs (x) | 7.6622% | 2,101 |
| Efficiency ratio | 44.0276% | 6,502 |
| Assets per employee ($millions) | 10.6308% | 206 |
| Cash dividends to net income (ytd only)* | 38.7632% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3267% | 987 |
| Loan loss allowance to noncurrent loans | 61,233.3333% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.0035% | 6,330 |
| Noncurrent loans to loans | 0.0038% | 6,181 |
| Net loans and leases to total assets | 90.6756% | 37 |
| Net loans and leases to deposits | 120.5785% | 72 |
| Net loans and leases to core deposits | 9,749.1783% | 8 |
| Total domestic deposits to total assets | 75.2005% | 6,139 |
| Equity capital to assets | 17.0966% | 390 |
| Core capital (leverage) ratio | 17.1297% | 357 |
| Tier 1 risk-based capital ratio | 18.1306% | 2,240 |
| Total risk-based capital ratio | 19.3937% | 2,204 |
| Memoranda: | ||
| Average total assets | $85,701,000 | 5,073 |
| Average earning assets | $84,952,500 | 4,892 |
| Average equity | $14,335,500 | 3,984 |
| Average total loans | $78,481,000 | 3,984 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.7759% | 19 |
| Cost of funding earning assets | 0.8949% | 761 |
| Net interest margin | 9.8810% | 19 |
| Noninterest income to average assets | 0.2804% | 5,352 |
| Noninterest expense to average assets | 4.3545% | 596 |
| Loan and lease loss provision to assets | 1.1748% | 142 |
| Net operating income to assets | 2.8802% | 117 |
| Return on assets (ROA) | 2.8802% | 117 |
| Pretax return on assets | 4.5288% | 63 |
| Return on Equity (ROE) | 17.0452% | 497 |
| Retained earnings to average equity (ytd only) | 11.0794% | 410 |
| Net charge-offs to loans | 1.0210% | 561 |
| Credit loss provision to net charge-offs | 125.1682% | 1,895 |
| Earnings coverage of net charge-offs (x) | 6.0767% | 3,134 |
| Efficiency ratio | 43.2931% | 6,631 |
| Assets per employee ($millions) | 10.7945% | 183 |
| Cash dividends to net income (ytd only)* | 35.0000% | 3,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4433% | 886 |
| Loan loss allowance to noncurrent loans | 907.6190% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.2432% | 5,542 |
| Noncurrent loans to loans | 0.2692% | 5,374 |
| Net loans and leases to total assets | 88.1271% | 85 |
| Net loans and leases to deposits | 115.5544% | 102 |
| Net loans and leases to core deposits | 11,478.5822% | 9 |
| Total domestic deposits to total assets | 76.2645% | 6,072 |
| Equity capital to assets | 16.3637% | 473 |
| Core capital (leverage) ratio | 17.1977% | 353 |
| Tier 1 risk-based capital ratio | 17.7298% | 2,328 |
| Total risk-based capital ratio | 18.9932% | 2,300 |
| Memoranda: | ||
| Average total assets | $79,160,000 | 5,257 |
| Average earning assets | $78,332,000 | 5,080 |
| Average equity | $13,376,200 | 4,188 |
| Average total loans | $72,770,400 | 4,168 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.0497% | 19 |
| Cost of funding earning assets | 0.9167% | 750 |
| Net interest margin | 10.1330% | 20 |
| Noninterest income to average assets | 0.3826% | 4,655 |
| Noninterest expense to average assets | 4.3121% | 623 |
| Loan and lease loss provision to assets | 1.0875% | 140 |
| Net operating income to assets | 3.1833% | 92 |
| Return on assets (ROA) | 3.1833% | 93 |
| Pretax return on assets | 5.0033% | 55 |
| Return on Equity (ROE) | 18.6738% | 390 |
| Retained earnings to average equity (ytd only) | 10.6866% | 642 |
| Net charge-offs to loans | 1.5150% | 306 |
| Credit loss provision to net charge-offs | 77.7094% | 2,902 |
| Earnings coverage of net charge-offs (x) | 4.3522% | 3,461 |
| Efficiency ratio | 41.4513% | 6,722 |
| Assets per employee ($millions) | 9.9380% | 238 |
| Cash dividends to net income (ytd only)* | 42.7721% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0505% | 1,611 |
| Loan loss allowance to noncurrent loans | 8,094.7368% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.0239% | 6,411 |
| Noncurrent loans to loans | 0.0253% | 6,279 |
| Net loans and leases to total assets | 92.4092% | 15 |
| Net loans and leases to deposits | 123.0657% | 59 |
| Net loans and leases to core deposits | 15,936.8764% | 7 |
| Total domestic deposits to total assets | 75.0893% | 6,271 |
| Equity capital to assets | 17.2482% | 387 |
| Core capital (leverage) ratio | 17.5141% | 336 |
| Tier 1 risk-based capital ratio | 17.9961% | 2,326 |
| Total risk-based capital ratio | 19.2546% | 2,285 |
| Memoranda: | ||
| Average total assets | $77,361,000 | 5,351 |
| Average earning assets | $76,501,000 | 5,180 |
| Average equity | $13,187,500 | 4,273 |
| Average total loans | $71,460,750 | 4,240 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.0081% | 17 |
| Cost of funding earning assets | 0.9446% | 728 |
| Net interest margin | 10.0635% | 18 |
| Noninterest income to average assets | 0.5741% | 3,356 |
| Noninterest expense to average assets | 4.1515% | 737 |
| Loan and lease loss provision to assets | 1.0124% | 184 |
| Net operating income to assets | 3.3296% | 92 |
| Return on assets (ROA) | 3.3296% | 96 |
| Pretax return on assets | 5.3623% | 54 |
| Return on Equity (ROE) | 19.6122% | 337 |
| Retained earnings to average equity (ytd only) | 11.4046% | 583 |
| Net charge-offs to loans | 1.6278% | 308 |
| Credit loss provision to net charge-offs | 67.8322% | 2,875 |
| Earnings coverage of net charge-offs (x) | 4.2710% | 3,175 |
| Efficiency ratio | 39.4398% | 6,814 |
| Assets per employee ($millions) | 10.0440% | 218 |
| Cash dividends to net income (ytd only)* | 41.8495% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1783% | 1,466 |
| Loan loss allowance to noncurrent loans | 1,615.7895% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.1182% | 6,126 |
| Noncurrent loans to loans | 0.1348% | 5,988 |
| Net loans and leases to total assets | 85.7875% | 159 |
| Net loans and leases to deposits | 112.3513% | 110 |
| Net loans and leases to core deposits | 13,622.9249% | 9 |
| Total domestic deposits to total assets | 76.3565% | 6,216 |
| Equity capital to assets | 16.6779% | 449 |
| Core capital (leverage) ratio | 17.3933% | 331 |
| Tier 1 risk-based capital ratio | 18.4419% | 2,159 |
| Total risk-based capital ratio | 19.7025% | 2,118 |
| Memoranda: | ||
| Average total assets | $76,646,670 | 5,398 |
| Average earning assets | $75,798,670 | 5,231 |
| Average equity | $13,012,330 | 4,341 |
| Average total loans | $70,278,670 | 4,300 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.0759% | 18 |
| Cost of funding earning assets | 0.9902% | 647 |
| Net interest margin | 10.0858% | 19 |
| Noninterest income to average assets | 0.8717% | 1,860 |
| Noninterest expense to average assets | 4.3212% | 613 |
| Loan and lease loss provision to assets | 1.7648% | 72 |
| Net operating income to assets | 2.9468% | 111 |
| Return on assets (ROA) | 2.9468% | 117 |
| Pretax return on assets | 4.7544% | 65 |
| Return on Equity (ROE) | 17.1946% | 498 |
| Retained earnings to average equity (ytd only) | 8.8313% | 1,443 |
| Net charge-offs to loans | 2.5134% | 164 |
| Credit loss provision to net charge-offs | 74.8299% | 2,232 |
| Earnings coverage of net charge-offs (x) | 2.7642% | 2,945 |
| Efficiency ratio | 39.8619% | 6,876 |
| Assets per employee ($millions) | 9.3755% | 276 |
| Cash dividends to net income (ytd only)* | 48.6388% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2638% | 1,465 |
| Loan loss allowance to noncurrent loans | 2,061.5385% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.1040% | 6,271 |
| Noncurrent loans to loans | 0.1098% | 6,155 |
| Net loans and leases to total assets | 92.5604% | 16 |
| Net loans and leases to deposits | 121.5406% | 58 |
| Net loans and leases to core deposits | 14,463.3333% | 9 |
| Total domestic deposits to total assets | 76.1559% | 6,349 |
| Equity capital to assets | 17.2764% | 393 |
| Core capital (leverage) ratio | 17.2969% | 330 |
| Tier 1 risk-based capital ratio | 18.0145% | 2,351 |
| Total risk-based capital ratio | 19.2768% | 2,313 |
| Memoranda: | ||
| Average total assets | $74,794,000 | 5,493 |
| Average earning assets | $73,926,000 | 5,324 |
| Average equity | $12,818,000 | 4,416 |
| Average total loans | $70,184,500 | 4,340 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.9418% | 18 |
| Cost of funding earning assets | 1.2609% | 436 |
| Net interest margin | 10.6810% | 19 |
| Noninterest income to average assets | 0.2539% | 5,648 |
| Noninterest expense to average assets | 4.3870% | 630 |
| Loan and lease loss provision to assets | 0.8577% | 541 |
| Net operating income to assets | 3.4546% | 79 |
| Return on assets (ROA) | 3.4546% | 80 |
| Pretax return on assets | 5.5367% | 52 |
| Return on Equity (ROE) | 20.5188% | 281 |
| Retained earnings to average equity (ytd only) | 11.1182% | 428 |
| Net charge-offs to loans | 0.9861% | 1,107 |
| Credit loss provision to net charge-offs | 92.1212% | 3,389 |
| Earnings coverage of net charge-offs (x) | 6.8682% | 2,718 |
| Efficiency ratio | 40.6908% | 6,918 |
| Assets per employee ($millions) | 9.3230% | 297 |
| Cash dividends to net income (ytd only)* | 45.8146% | 2,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4792% | 1,151 |
| Loan loss allowance to noncurrent loans | 643.8202% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.3580% | 5,617 |
| Noncurrent loans to loans | 0.3851% | 5,530 |
| Net loans and leases to total assets | 90.6602% | 34 |
| Net loans and leases to deposits | 118.2795% | 76 |
| Net loans and leases to core deposits | 14,356.2633% | 10 |
| Total domestic deposits to total assets | 76.6491% | 6,269 |
| Equity capital to assets | 16.9983% | 415 |
| Core capital (leverage) ratio | 17.3126% | 329 |
| Tier 1 risk-based capital ratio | 18.0111% | 2,258 |
| Total risk-based capital ratio | 19.2755% | 2,229 |
| Memoranda: | ||
| Average total assets | $70,891,200 | 5,606 |
| Average earning assets | $69,872,000 | 5,435 |
| Average equity | $11,935,400 | 4,583 |
| Average total loans | $66,929,600 | 4,464 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.1404% | 16 |
| Cost of funding earning assets | 1.3350% | 381 |
| Net interest margin | 10.8054% | 17 |
| Noninterest income to average assets | 0.1696% | 6,288 |
| Noninterest expense to average assets | 4.4438% | 576 |
| Loan and lease loss provision to assets | 0.9090% | 484 |
| Net operating income to assets | 3.3881% | 78 |
| Return on assets (ROA) | 3.3881% | 82 |
| Pretax return on assets | 5.4595% | 51 |
| Return on Equity (ROE) | 20.1758% | 323 |
| Retained earnings to average equity (ytd only) | 10.5759% | 770 |
| Net charge-offs to loans | 1.3167% | 717 |
| Credit loss provision to net charge-offs | 72.8244% | 3,828 |
| Earnings coverage of net charge-offs (x) | 5.1023% | 3,112 |
| Efficiency ratio | 41.0998% | 6,991 |
| Assets per employee ($millions) | 9.0505% | 321 |
| Cash dividends to net income (ytd only)* | 47.5814% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3061% | 1,508 |
| Loan loss allowance to noncurrent loans | 875.2747% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.2514% | 6,069 |
| Noncurrent loans to loans | 0.2635% | 5,962 |
| Net loans and leases to total assets | 93.2076% | 20 |
| Net loans and leases to deposits | 123.5125% | 63 |
| Net loans and leases to core deposits | 8,998.1333% | 11 |
| Total domestic deposits to total assets | 75.4641% | 6,460 |
| Equity capital to assets | 16.9659% | 464 |
| Core capital (leverage) ratio | 17.1867% | 356 |
| Tier 1 risk-based capital ratio | 17.6236% | 2,486 |
| Total risk-based capital ratio | 18.8861% | 2,454 |
| Memoranda: | ||
| Average total assets | $69,968,000 | 5,701 |
| Average earning assets | $68,914,250 | 5,533 |
| Average equity | $11,749,750 | 4,663 |
| Average total loans | $66,327,750 | 4,536 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.3513% | 16 |
| Cost of funding earning assets | 1.4294% | 314 |
| Net interest margin | 10.9218% | 17 |
| Noninterest income to average assets | 0.2343% | 5,890 |
| Noninterest expense to average assets | 4.6272% | 491 |
| Loan and lease loss provision to assets | 1.4518% | 259 |
| Net operating income to assets | 3.0540% | 99 |
| Return on assets (ROA) | 3.0540% | 102 |
| Pretax return on assets | 4.9164% | 62 |
| Return on Equity (ROE) | 18.2515% | 480 |
| Retained earnings to average equity (ytd only) | 8.5035% | 1,449 |
| Net charge-offs to loans | 1.5166% | 655 |
| Credit loss provision to net charge-offs | 101.2097% | 2,686 |
| Earnings coverage of net charge-offs (x) | 4.4395% | 3,082 |
| Efficiency ratio | 42.0831% | 7,017 |
| Assets per employee ($millions) | 8.8348% | 339 |
| Cash dividends to net income (ytd only)* | 53.4091% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6537% | 1,097 |
| Loan loss allowance to noncurrent loans | 1,931.5217% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.1302% | 6,463 |
| Noncurrent loans to loans | 0.1374% | 6,314 |
| Net loans and leases to total assets | 92.2295% | 19 |
| Net loans and leases to deposits | 119.6051% | 72 |
| Net loans and leases to core deposits | 7,650.9390% | 11 |
| Total domestic deposits to total assets | 77.1117% | 6,310 |
| Equity capital to assets | 16.7563% | 477 |
| Core capital (leverage) ratio | 16.5789% | 399 |
| Tier 1 risk-based capital ratio | 17.5348% | 2,464 |
| Total risk-based capital ratio | 18.8022% | 2,423 |
| Memoranda: | ||
| Average total assets | $69,156,000 | 5,756 |
| Average earning assets | $68,138,670 | 5,580 |
| Average equity | $11,571,670 | 4,698 |
| Average total loans | $65,410,670 | 4,588 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.1943% | 17 |
| Cost of funding earning assets | 1.4503% | 352 |
| Net interest margin | 10.7440% | 19 |
| Noninterest income to average assets | 0.0117% | 7,067 |
| Noninterest expense to average assets | 4.3746% | 612 |
| Loan and lease loss provision to assets | 2.0001% | 139 |
| Net operating income to assets | 2.6435% | 148 |
| Return on assets (ROA) | 2.6435% | 177 |
| Pretax return on assets | 4.2518% | 74 |
| Return on Equity (ROE) | 15.8097% | 833 |
| Retained earnings to average equity (ytd only) | 5.9461% | 2,987 |
| Net charge-offs to loans | 0.9964% | 1,041 |
| Credit loss provision to net charge-offs | 212.4224% | 1,284 |
| Earnings coverage of net charge-offs (x) | 6.6398% | 2,172 |
| Efficiency ratio | 41.1668% | 7,077 |
| Assets per employee ($millions) | 8.6809% | 366 |
| Cash dividends to net income (ytd only)* | 62.3894% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0134% | 819 |
| Loan loss allowance to noncurrent loans | 556.1254% | 630 |
| Noncurrent assets plus other real estate owned to assets | 0.5054% | 5,601 |
| Noncurrent loans to loans | 0.5419% | 5,576 |
| Net loans and leases to total assets | 90.4647% | 34 |
| Net loans and leases to deposits | 116.1963% | 89 |
| Net loans and leases to core deposits | 14,887.4408% | 10 |
| Total domestic deposits to total assets | 77.8551% | 6,281 |
| Equity capital to assets | 16.5896% | 486 |
| Core capital (leverage) ratio | 16.9834% | 355 |
| Tier 1 risk-based capital ratio | 17.6178% | 2,439 |
| Total risk-based capital ratio | 18.8901% | 2,401 |
| Memoranda: | ||
| Average total assets | $68,395,000 | 5,812 |
| Average earning assets | $67,572,500 | 5,638 |
| Average equity | $11,436,000 | 4,744 |
| Average total loans | $64,634,500 | 4,635 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.9469% | 16 |
| Cost of funding earning assets | 1.7658% | 245 |
| Net interest margin | 11.1812% | 19 |
| Noninterest income to average assets | 0.3475% | 5,029 |
| Noninterest expense to average assets | 5.1707% | 342 |
| Loan and lease loss provision to assets | 0.6062% | 1,706 |
| Net operating income to assets | 3.4705% | 65 |
| Return on assets (ROA) | 3.4705% | 67 |
| Pretax return on assets | 5.5930% | 54 |
| Return on Equity (ROE) | 24.5648% | 120 |
| Retained earnings to average equity (ytd only) | 15.8177% | 100 |
| Net charge-offs to loans | 0.5679% | 2,749 |
| Credit loss provision to net charge-offs | 113.0814% | 2,918 |
| Earnings coverage of net charge-offs (x) | 11.5640% | 1,708 |
| Efficiency ratio | 45.4770% | 7,072 |
| Assets per employee ($millions) | 9.6204% | 266 |
| Cash dividends to net income (ytd only)* | 35.6084% | 2,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7461% | 1,036 |
| Loan loss allowance to noncurrent loans | 6,559.2593% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.0401% | 6,868 |
| Noncurrent loans to loans | 0.0419% | 6,720 |
| Net loans and leases to total assets | 93.1366% | 14 |
| Net loans and leases to deposits | 119.8361% | 88 |
| Net loans and leases to core deposits | 14,158.2393% | 12 |
| Total domestic deposits to total assets | 77.7200% | 6,243 |
| Equity capital to assets | 16.8555% | 467 |
| Core capital (leverage) ratio | 16.6337% | 401 |
| Tier 1 risk-based capital ratio | 17.4989% | 2,384 |
| Total risk-based capital ratio | 18.7676% | 2,341 |
| Memoranda: | ||
| Average total assets | $64,169,600 | 5,920 |
| Average earning assets | $63,258,200 | 5,761 |
| Average equity | $9,065,800 | 5,262 |
| Average total loans | $60,577,000 | 4,841 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.9733% | 17 |
| Cost of funding earning assets | 1.8149% | 245 |
| Net interest margin | 11.1584% | 20 |
| Noninterest income to average assets | 0.1767% | 6,323 |
| Noninterest expense to average assets | 5.2447% | 303 |
| Loan and lease loss provision to assets | 0.4334% | 2,310 |
| Net operating income to assets | 3.4060% | 74 |
| Return on assets (ROA) | 3.4060% | 77 |
| Pretax return on assets | 5.4930% | 56 |
| Return on Equity (ROE) | 25.4119% | 121 |
| Retained earnings to average equity (ytd only) | 17.4069% | 131 |
| Net charge-offs to loans | 0.7427% | 2,079 |
| Credit loss provision to net charge-offs | 62.0482% | 4,743 |
| Earnings coverage of net charge-offs (x) | 8.4849% | 2,169 |
| Efficiency ratio | 46.9492% | 7,017 |
| Assets per employee ($millions) | 9.7429% | 271 |
| Cash dividends to net income (ytd only)* | 31.5008% | 2,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5003% | 1,399 |
| Loan loss allowance to noncurrent loans | 32,000.0000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 7,056 |
| Noncurrent loans to loans | 0.0078% | 6,945 |
| Net loans and leases to total assets | 91.4839% | 24 |
| Net loans and leases to deposits | 116.4052% | 111 |
| Net loans and leases to core deposits | 14,083.9729% | 11 |
| Total domestic deposits to total assets | 78.5909% | 6,075 |
| Equity capital to assets | 16.1672% | 600 |
| Core capital (leverage) ratio | 16.6154% | 432 |
| Tier 1 risk-based capital ratio | 17.0223% | 2,639 |
| Total risk-based capital ratio | 18.2867% | 2,590 |
| Memoranda: | ||
| Average total assets | $63,376,250 | 5,985 |
| Average earning assets | $62,444,500 | 5,824 |
| Average equity | $8,494,500 | 5,435 |
| Average total loans | $59,598,250 | 4,916 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.0225% | 19 |
| Cost of funding earning assets | 1.8495% | 257 |
| Net interest margin | 11.1730% | 19 |
| Noninterest income to average assets | 0.2655% | 5,752 |
| Noninterest expense to average assets | 5.1839% | 317 |
| Loan and lease loss provision to assets | 0.6638% | 1,451 |
| Net operating income to assets | 3.4225% | 83 |
| Return on assets (ROA) | 3.4225% | 82 |
| Pretax return on assets | 5.4105% | 62 |
| Return on Equity (ROE) | 27.6316% | 96 |
| Retained earnings to average equity (ytd only) | 23.7103% | 60 |
| Net charge-offs to loans | 0.8738% | 1,773 |
| Credit loss provision to net charge-offs | 80.7087% | 3,749 |
| Earnings coverage of net charge-offs (x) | 7.3858% | 2,230 |
| Efficiency ratio | 46.0454% | 7,153 |
| Assets per employee ($millions) | 9.3064% | 297 |
| Cash dividends to net income (ytd only)* | 14.1911% | 3,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7575% | 1,120 |
| Loan loss allowance to noncurrent loans | 1,784.0426% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.1443% | 6,730 |
| Noncurrent loans to loans | 0.1546% | 6,593 |
| Net loans and leases to total assets | 90.7790% | 31 |
| Net loans and leases to deposits | 110.5817% | 168 |
| Net loans and leases to core deposits | 12,968.8596% | 12 |
| Total domestic deposits to total assets | 82.0923% | 5,133 |
| Equity capital to assets | 12.4292% | 1,827 |
| Core capital (leverage) ratio | 13.0772% | 1,120 |
| Tier 1 risk-based capital ratio | 13.1534% | 4,800 |
| Total risk-based capital ratio | 14.4222% | 4,769 |
| Memoranda: | ||
| Average total assets | $61,768,330 | 6,085 |
| Average earning assets | $60,771,670 | 5,927 |
| Average equity | $7,650,670 | 5,719 |
| Average total loans | $58,133,670 | 5,045 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.2816% | 17 |
| Cost of funding earning assets | 1.9187% | 229 |
| Net interest margin | 11.3629% | 21 |
| Noninterest income to average assets | 0.5326% | 3,627 |
| Noninterest expense to average assets | 5.1997% | 308 |
| Loan and lease loss provision to assets | 1.0053% | 763 |
| Net operating income to assets | 3.4953% | 93 |
| Return on assets (ROA) | 3.4953% | 95 |
| Pretax return on assets | 5.4860% | 67 |
| Return on Equity (ROE) | 28.2733% | 104 |
| Retained earnings to average equity (ytd only) | 25.5806% | 95 |
| Net charge-offs to loans | 0.5494% | 2,119 |
| Credit loss provision to net charge-offs | 193.5897% | 1,528 |
| Earnings coverage of net charge-offs (x) | 12.5000% | 1,495 |
| Efficiency ratio | 44.4761% | 7,268 |
| Assets per employee ($millions) | 8.7280% | 355 |
| Cash dividends to net income (ytd only)* | 9.5238% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1334% | 818 |
| Loan loss allowance to noncurrent loans | 1,681.3084% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.1751% | 6,719 |
| Noncurrent loans to loans | 0.1864% | 6,595 |
| Net loans and leases to total assets | 91.0272% | 27 |
| Net loans and leases to deposits | 108.0219% | 215 |
| Net loans and leases to core deposits | 15,534.6369% | 13 |
| Total domestic deposits to total assets | 84.2674% | 4,381 |
| Equity capital to assets | 12.5458% | 1,604 |
| Core capital (leverage) ratio | 12.8826% | 1,165 |
| Tier 1 risk-based capital ratio | 13.2342% | 4,629 |
| Total risk-based capital ratio | 14.5067% | 4,592 |
| Memoranda: | ||
| Average total assets | $60,080,000 | 6,183 |
| Average earning assets | $58,999,000 | 6,029 |
| Average equity | $7,427,500 | 5,797 |
| Average total loans | $56,793,000 | 5,139 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.9833% | 19 |
| Cost of funding earning assets | 2.3434% | 185 |
| Net interest margin | 11.6399% | 22 |
| Noninterest income to average assets | 0.3643% | 5,195 |
| Noninterest expense to average assets | 5.7389% | 262 |
| Loan and lease loss provision to assets | 1.7138% | 822 |
| Net operating income to assets | 2.7046% | 91 |
| Return on assets (ROA) | 2.7046% | 93 |
| Pretax return on assets | 4.2776% | 64 |
| Return on Equity (ROE) | 21.7445% | 171 |
| Retained earnings to average equity (ytd only) | 19.4197% | 64 |
| Net charge-offs to loans | 1.0977% | 2,032 |
| Credit loss provision to net charge-offs | 166.4794% | 2,054 |
| Earnings coverage of net charge-offs (x) | 5.8202% | 2,528 |
| Efficiency ratio | 48.9236% | 7,207 |
| Assets per employee ($millions) | 8.4377% | 408 |
| Cash dividends to net income (ytd only)* | 10.6914% | 3,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0727% | 820 |
| Loan loss allowance to noncurrent loans | 1,426.4463% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.2049% | 6,712 |
| Noncurrent loans to loans | 0.2154% | 6,642 |
| Net loans and leases to total assets | 92.1831% | 27 |
| Net loans and leases to deposits | 108.8048% | 255 |
| Net loans and leases to core deposits | 12,153.3482% | 14 |
| Total domestic deposits to total assets | 84.7234% | 3,987 |
| Equity capital to assets | 12.1732% | 1,812 |
| Core capital (leverage) ratio | 12.3966% | 1,350 |
| Tier 1 risk-based capital ratio | 12.6730% | 4,879 |
| Total risk-based capital ratio | 13.9455% | 4,843 |
| Memoranda: | ||
| Average total assets | $51,874,400 | 6,470 |
| Average earning assets | $50,653,400 | 6,344 |
| Average equity | $6,452,200 | 6,216 |
| Average total loans | $48,648,200 | 5,535 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.2368% | 18 |
| Cost of funding earning assets | 2.4551% | 170 |
| Net interest margin | 11.7817% | 22 |
| Noninterest income to average assets | 0.3115% | 5,663 |
| Noninterest expense to average assets | 5.9853% | 223 |
| Loan and lease loss provision to assets | 2.1140% | 542 |
| Net operating income to assets | 2.3297% | 182 |
| Return on assets (ROA) | 2.3297% | 194 |
| Pretax return on assets | 3.7115% | 82 |
| Return on Equity (ROE) | 18.6134% | 422 |
| Retained earnings to average equity (ytd only) | 15.4224% | 192 |
| Net charge-offs to loans | 1.2202% | 1,681 |
| Credit loss provision to net charge-offs | 185.5140% | 1,944 |
| Earnings coverage of net charge-offs (x) | 5.1122% | 2,849 |
| Efficiency ratio | 50.6763% | 7,102 |
| Assets per employee ($millions) | 8.1194% | 486 |
| Cash dividends to net income (ytd only)* | 17.1432% | 3,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2179% | 690 |
| Loan loss allowance to noncurrent loans | 1,346.5116% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.2270% | 6,797 |
| Noncurrent loans to loans | 0.2390% | 6,697 |
| Net loans and leases to total assets | 91.9171% | 29 |
| Net loans and leases to deposits | 107.1565% | 316 |
| Net loans and leases to core deposits | 14,841.4773% | 12 |
| Total domestic deposits to total assets | 85.7784% | 3,200 |
| Equity capital to assets | 11.7214% | 2,343 |
| Core capital (leverage) ratio | 12.1792% | 1,571 |
| Tier 1 risk-based capital ratio | 12.2144% | 5,254 |
| Total risk-based capital ratio | 13.4887% | 5,198 |
| Memoranda: | ||
| Average total assets | $50,077,000 | 6,605 |
| Average earning assets | $48,876,750 | 6,475 |
| Average equity | $6,267,750 | 6,369 |
| Average total loans | $46,767,000 | 5,684 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.4368% | 19 |
| Cost of funding earning assets | 2.6284% | 116 |
| Net interest margin | 11.8084% | 21 |
| Noninterest income to average assets | 0.0125% | 7,487 |
| Noninterest expense to average assets | 5.9928% | 226 |
| Loan and lease loss provision to assets | 2.3085% | 507 |
| Net operating income to assets | 2.0074% | 327 |
| Return on assets (ROA) | 2.0074% | 359 |
| Pretax return on assets | 3.2285% | 104 |
| Return on Equity (ROE) | 15.6445% | 748 |
| Retained earnings to average equity (ytd only) | 12.3853% | 440 |
| Net charge-offs to loans | 1.1451% | 1,660 |
| Credit loss provision to net charge-offs | 217.3228% | 1,798 |
| Earnings coverage of net charge-offs (x) | 5.2126% | 2,722 |
| Efficiency ratio | 51.9768% | 7,071 |
| Assets per employee ($millions) | 7.5727% | 608 |
| Cash dividends to net income (ytd only)* | 20.8333% | 2,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3923% | 594 |
| Loan loss allowance to noncurrent loans | 1,105.2980% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.2849% | 6,706 |
| Noncurrent loans to loans | 0.3069% | 6,610 |
| Net loans and leases to total assets | 89.6640% | 87 |
| Net loans and leases to deposits | 107.1775% | 342 |
| Net loans and leases to core deposits | 12,281.6537% | 11 |
| Total domestic deposits to total assets | 83.6594% | 4,260 |
| Equity capital to assets | 11.9168% | 2,147 |
| Core capital (leverage) ratio | 12.7637% | 1,300 |
| Tier 1 risk-based capital ratio | 12.6588% | 4,726 |
| Total risk-based capital ratio | 13.9353% | 4,679 |
| Memoranda: | ||
| Average total assets | $47,824,000 | 6,734 |
| Average earning assets | $46,644,670 | 6,606 |
| Average equity | $6,136,330 | 6,424 |
| Average total loans | $44,363,000 | 5,846 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.9795% | 19 |
| Cost of funding earning assets | 2.7854% | 93 |
| Net interest margin | 12.1941% | 21 |
| Noninterest income to average assets | 0.0088% | 7,628 |
| Noninterest expense to average assets | 5.7217% | 248 |
| Loan and lease loss provision to assets | 2.3789% | 446 |
| Net operating income to assets | 2.3700% | 181 |
| Return on assets (ROA) | 2.3700% | 204 |
| Pretax return on assets | 3.7938% | 84 |
| Return on Equity (ROE) | 17.7307% | 537 |
| Retained earnings to average equity (ytd only) | 14.4228% | 460 |
| Net charge-offs to loans | 1.7642% | 981 |
| Credit loss provision to net charge-offs | 145.4054% | 2,446 |
| Earnings coverage of net charge-offs (x) | 3.7730% | 2,791 |
| Efficiency ratio | 48.1041% | 7,434 |
| Assets per employee ($millions) | 6.9260% | 831 |
| Cash dividends to net income (ytd only)* | 18.6567% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3262% | 624 |
| Loan loss allowance to noncurrent loans | 1,054.3478% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.2846% | 6,763 |
| Noncurrent loans to loans | 0.3155% | 6,678 |
| Net loans and leases to total assets | 87.2262% | 156 |
| Net loans and leases to deposits | 102.7554% | 605 |
| Net loans and leases to core deposits | 15,377.8182% | 11 |
| Total domestic deposits to total assets | 84.8872% | 3,730 |
| Equity capital to assets | 12.6954% | 1,658 |
| Core capital (leverage) ratio | 13.6973% | 1,029 |
| Tier 1 risk-based capital ratio | 13.7606% | 3,827 |
| Total risk-based capital ratio | 15.0350% | 3,759 |
| Memoranda: | ||
| Average total assets | $45,231,500 | 6,902 |
| Average earning assets | $44,087,000 | 6,771 |
| Average equity | $6,046,000 | 6,504 |
| Average total loans | $41,945,000 | 6,029 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.6282% | 12 |
| Cost of funding earning assets | 3.5308% | 39 |
| Net interest margin | 11.0973% | 22 |
| Noninterest income to average assets | 0.0134% | 7,645 |
| Noninterest expense to average assets | 5.2857% | 437 |
| Loan and lease loss provision to assets | 3.5605% | 432 |
| Net operating income to assets | 1.1537% | 1,377 |
| Return on assets (ROA) | 1.1537% | 1,401 |
| Pretax return on assets | 1.9614% | 437 |
| Return on Equity (ROE) | 7.4033% | 2,617 |
| Retained earnings to average equity (ytd only) | 0.5165% | 4,620 |
| Net charge-offs to loans | 3.0224% | 698 |
| Credit loss provision to net charge-offs | 128.2126% | 4,026 |
| Earnings coverage of net charge-offs (x) | 1.9884% | 4,233 |
| Efficiency ratio | 48.9076% | 7,590 |
| Assets per employee ($millions) | 5.9973% | 1,248 |
| Cash dividends to net income (ytd only)* | 93.0233% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4150% | 568 |
| Loan loss allowance to noncurrent loans | 753.2967% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.4335% | 6,376 |
| Noncurrent loans to loans | 0.4533% | 6,361 |
| Net loans and leases to total assets | 92.3632% | 30 |
| Net loans and leases to deposits | 112.1637% | 312 |
| Net loans and leases to core deposits | 112.1637% | 2,682 |
| Total domestic deposits to total assets | 82.3468% | 4,796 |
| Equity capital to assets | 14.1421% | 1,122 |
| Core capital (leverage) ratio | 14.3896% | 904 |
| Tier 1 risk-based capital ratio | 14.6499% | 3,129 |
| Total risk-based capital ratio | 15.9330% | 3,069 |
| Memoranda: | ||
| Average total assets | $37,270,200 | 7,200 |
| Average earning assets | $36,252,000 | 7,089 |
| Average equity | $5,808,200 | 6,666 |
| Average total loans | $34,243,800 | 6,383 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.5995% | 13 |
| Cost of funding earning assets | 3.6840% | 32 |
| Net interest margin | 10.9154% | 23 |
| Noninterest income to average assets | 0.0148% | 7,788 |
| Noninterest expense to average assets | 5.2863% | 409 |
| Loan and lease loss provision to assets | 3.5390% | 366 |
| Net operating income to assets | 1.2227% | 1,412 |
| Return on assets (ROA) | 1.2227% | 1,473 |
| Pretax return on assets | 1.8064% | 792 |
| Return on Equity (ROE) | 7.6406% | 2,801 |
| Retained earnings to average equity (ytd only) | -1.5928% | 5,632 |
| Net charge-offs to loans | 3.0679% | 527 |
| Credit loss provision to net charge-offs | 127.0557% | 3,957 |
| Earnings coverage of net charge-offs (x) | 1.9191% | 4,373 |
| Efficiency ratio | 49.7220% | 7,578 |
| Assets per employee ($millions) | 5.6923% | 1,441 |
| Cash dividends to net income (ytd only)* | 120.8466% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3305% | 490 |
| Loan loss allowance to noncurrent loans | 509.1270% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.6324% | 5,867 |
| Noncurrent loans to loans | 0.6542% | 5,991 |
| Net loans and leases to total assets | 93.4598% | 29 |
| Net loans and leases to deposits | 113.7308% | 339 |
| Net loans and leases to core deposits | 113.7308% | 2,859 |
| Total domestic deposits to total assets | 82.1764% | 4,599 |
| Equity capital to assets | 14.6514% | 1,104 |
| Core capital (leverage) ratio | 15.6042% | 742 |
| Tier 1 risk-based capital ratio | 15.0174% | 3,031 |
| Total risk-based capital ratio | 16.2932% | 2,957 |
| Memoranda: | ||
| Average total assets | $36,092,500 | 7,305 |
| Average earning assets | $35,105,500 | 7,202 |
| Average equity | $5,776,000 | 6,744 |
| Average total loans | $32,768,250 | 6,522 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.5119% | 16 |
| Cost of funding earning assets | 3.8407% | 33 |
| Net interest margin | 10.6712% | 23 |
| Noninterest income to average assets | 0.0172% | 7,882 |
| Noninterest expense to average assets | 5.1835% | 459 |
| Loan and lease loss provision to assets | 3.5360% | 405 |
| Net operating income to assets | 1.1366% | 1,643 |
| Return on assets (ROA) | 1.1366% | 1,726 |
| Pretax return on assets | 1.6647% | 1,081 |
| Return on Equity (ROE) | 6.8806% | 3,256 |
| Retained earnings to average equity (ytd only) | -7.0196% | 6,560 |
| Net charge-offs to loans | 3.6370% | 418 |
| Credit loss provision to net charge-offs | 109.8039% | 4,220 |
| Earnings coverage of net charge-offs (x) | 1.6150% | 4,331 |
| Efficiency ratio | 49.9171% | 7,676 |
| Assets per employee ($millions) | 4.8971% | 2,199 |
| Cash dividends to net income (ytd only)* | 202.0202% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5541% | 360 |
| Loan loss allowance to noncurrent loans | 529.9065% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.6243% | 5,853 |
| Noncurrent loans to loans | 0.6707% | 5,906 |
| Net loans and leases to total assets | 89.7695% | 148 |
| Net loans and leases to deposits | 111.5004% | 498 |
| Net loans and leases to core deposits | 111.5004% | 3,201 |
| Total domestic deposits to total assets | 80.5105% | 5,273 |
| Equity capital to assets | 16.6424% | 724 |
| Core capital (leverage) ratio | 16.7336% | 648 |
| Tier 1 risk-based capital ratio | 17.5344% | 2,139 |
| Total risk-based capital ratio | 18.8130% | 2,087 |
| Memoranda: | ||
| Average total assets | $34,841,330 | 7,411 |
| Average earning assets | $33,848,000 | 7,322 |
| Average equity | $5,755,330 | 6,811 |
| Average total loans | $30,850,000 | 6,683 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.1891% | 18 |
| Cost of funding earning assets | 3.8985% | 42 |
| Net interest margin | 10.2906% | 24 |
| Noninterest income to average assets | 0.0114% | 8,012 |
| Noninterest expense to average assets | 4.7150% | 587 |
| Loan and lease loss provision to assets | 2.8700% | 388 |
| Net operating income to assets | 1.6742% | 685 |
| Return on assets (ROA) | 1.6742% | 752 |
| Pretax return on assets | 2.4372% | 286 |
| Return on Equity (ROE) | 10.1721% | 2,255 |
| Retained earnings to average equity (ytd only) | -17.5071% | 7,565 |
| Net charge-offs to loans | 2.0448% | 710 |
| Credit loss provision to net charge-offs | 162.5806% | 2,617 |
| Earnings coverage of net charge-offs (x) | 3.0065% | 3,305 |
| Efficiency ratio | 47.0455% | 7,791 |
| Assets per employee ($millions) | 4.8839% | 2,204 |
| Cash dividends to net income (ytd only)* | 272.1088% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8389% | 249 |
| Loan loss allowance to noncurrent loans | 483.9506% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.7108% | 5,378 |
| Noncurrent loans to loans | 0.7932% | 5,455 |
| Net loans and leases to total assets | 86.1673% | 425 |
| Net loans and leases to deposits | 106.9838% | 788 |
| Net loans and leases to core deposits | 106.9838% | 3,797 |
| Total domestic deposits to total assets | 80.5423% | 5,157 |
| Equity capital to assets | 16.5385% | 787 |
| Core capital (leverage) ratio | 16.3283% | 737 |
| Tier 1 risk-based capital ratio | 17.9737% | 2,060 |
| Total risk-based capital ratio | 19.2549% | 2,002 |
| Memoranda: | ||
| Average total assets | $35,122,000 | 7,440 |
| Average earning assets | $34,167,000 | 7,343 |
| Average equity | $5,780,500 | 6,846 |
| Average total loans | $30,321,500 | 6,743 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.7473% | 25 |
| Cost of funding earning assets | 4.0704% | 78 |
| Net interest margin | 9.6769% | 30 |
| Noninterest income to average assets | 0.1583% | 7,291 |
| Noninterest expense to average assets | 4.0111% | 1,404 |
| Loan and lease loss provision to assets | 2.8029% | 336 |
| Net operating income to assets | 1.8534% | 486 |
| Return on assets (ROA) | 1.8534% | 471 |
| Pretax return on assets | 2.8151% | 116 |
| Return on Equity (ROE) | 10.7971% | 1,971 |
| Retained earnings to average equity (ytd only) | 10.7971% | 352 |
| Net charge-offs to loans | 1.4650% | 793 |
| Credit loss provision to net charge-offs | 226.2899% | 2,102 |
| Earnings coverage of net charge-offs (x) | 4.5356% | 3,946 |
| Efficiency ratio | 41.6561% | 8,080 |
| Assets per employee ($millions) | 6.0095% | 1,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5956% | 259 |
| Loan loss allowance to noncurrent loans | 539.5000% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.5547% | 5,516 |
| Noncurrent loans to loans | 0.6665% | 5,367 |
| Net loans and leases to total assets | 80.2341% | 1,606 |
| Net loans and leases to deposits | 99.7724% | 1,853 |
| Net loans and leases to core deposits | 99.7724% | 4,841 |
| Total domestic deposits to total assets | 80.4171% | 4,863 |
| Equity capital to assets | 16.3824% | 865 |
| Core capital (leverage) ratio | 17.0201% | 697 |
| Tier 1 risk-based capital ratio | 18.8945% | 1,836 |
| Total risk-based capital ratio | 20.1708% | 1,785 |
| Memoranda: | ||
| Average total assets | $32,859,000 | 7,520 |
| Average earning assets | $32,159,000 | 7,399 |
| Average equity | $5,640,400 | 6,936 |
| Average total loans | $27,781,600 | 6,856 |