Home > New Albin Savings Bank > Performance and Condition Ratios
New Albin Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2099% | 3,607 |
| Cost of funding earning assets | 2.4161% | 443 |
| Net interest margin | 1.7939% | 4,460 |
| Noninterest income to average assets | 0.0200% | 4,491 |
| Noninterest expense to average assets | 0.6706% | 4,523 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9333% | 2,433 |
| Return on assets (ROA) | 0.9992% | 2,207 |
| Pretax return on assets | 1.1767% | 2,199 |
| Return on Equity (ROE) | 6.9500% | 3,295 |
| Retained earnings to average equity (ytd only) | 4.1385% | 2,909 |
| Net charge-offs to loans | 0.0106% | 2,254 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 283.4167% | 453 |
| Efficiency ratio | 37.8926% | 4,400 |
| Assets per employee ($millions) | 24.2356% | 72 |
| Cash dividends to net income (ytd only)* | 40.4269% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9110% | 3,674 |
| Loan loss allowance to noncurrent loans | 8,641.6667% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 3,801 |
| Noncurrent loans to loans | 0.0105% | 3,683 |
| Net loans and leases to total assets | 35.8000% | 4,165 |
| Net loans and leases to deposits | 43.0524% | 4,125 |
| Net loans and leases to core deposits | 48.7212% | 4,106 |
| Total domestic deposits to total assets | 83.1500% | 2,854 |
| Equity capital to assets | 14.7183% | 579 |
| Core capital (leverage) ratio | 15.9570% | 492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.0251% | 135 |
| Memoranda: | ||
| Average total assets | $309,437,000 | 2,384 |
| Average earning assets | $302,307,800 | 2,292 |
| Average equity | $44,509,000 | 1,748 |
| Average total loans | $113,366,200 | 3,015 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1202% | 3,624 |
| Cost of funding earning assets | 2.2942% | 413 |
| Net interest margin | 1.8260% | 4,477 |
| Noninterest income to average assets | 0.0200% | 4,512 |
| Noninterest expense to average assets | 0.6514% | 4,553 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9734% | 2,439 |
| Return on assets (ROA) | 1.0514% | 2,202 |
| Pretax return on assets | 1.2401% | 2,198 |
| Return on Equity (ROE) | 7.3500% | 3,340 |
| Retained earnings to average equity (ytd only) | 7.3532% | 2,183 |
| Net charge-offs to loans | 0.0118% | 1,964 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 265.3000% | 490 |
| Efficiency ratio | 36.1953% | 4,441 |
| Assets per employee ($millions) | 23.8841% | 66 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9098% | 3,694 |
| Loan loss allowance to noncurrent loans | 4,156.0000% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.0081% | 3,774 |
| Noncurrent loans to loans | 0.0219% | 3,607 |
| Net loans and leases to total assets | 36.4500% | 4,169 |
| Net loans and leases to deposits | 43.8918% | 4,105 |
| Net loans and leases to core deposits | 48.6488% | 4,073 |
| Total domestic deposits to total assets | 83.0400% | 3,007 |
| Equity capital to assets | 13.6216% | 706 |
| Core capital (leverage) ratio | 16.3871% | 453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.9100% | 139 |
| Memoranda: | ||
| Average total assets | $308,030,500 | 2,393 |
| Average earning assets | $300,981,500 | 2,301 |
| Average equity | $44,043,250 | 1,748 |
| Average total loans | $113,250,500 | 3,021 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0028% | 3,685 |
| Cost of funding earning assets | 2.1454% | 377 |
| Net interest margin | 1.8574% | 4,526 |
| Noninterest income to average assets | 0.0100% | 4,563 |
| Noninterest expense to average assets | 0.6074% | 4,585 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0354% | 2,298 |
| Return on assets (ROA) | 1.1145% | 2,072 |
| Pretax return on assets | 1.3151% | 2,038 |
| Return on Equity (ROE) | 7.6700% | 3,326 |
| Retained earnings to average equity (ytd only) | 7.6726% | 2,079 |
| Net charge-offs to loans | 0.0230% | 1,422 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 144.3846% | 769 |
| Efficiency ratio | 33.2028% | 4,517 |
| Assets per employee ($millions) | 23.8128% | 67 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9004% | 3,784 |
| Loan loss allowance to noncurrent loans | 1,918.5185% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.0174% | 3,659 |
| Noncurrent loans to loans | 0.0469% | 3,382 |
| Net loans and leases to total assets | 36.8300% | 4,151 |
| Net loans and leases to deposits | 45.0217% | 4,070 |
| Net loans and leases to core deposits | 49.0924% | 4,044 |
| Total domestic deposits to total assets | 81.8100% | 3,271 |
| Equity capital to assets | 14.5112% | 577 |
| Core capital (leverage) ratio | 16.2737% | 449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.8219% | 134 |
| Memoranda: | ||
| Average total assets | $307,209,667 | 2,398 |
| Average earning assets | $300,637,667 | 2,308 |
| Average equity | $44,626,333 | 1,733 |
| Average total loans | $112,934,000 | 3,031 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8548% | 3,760 |
| Cost of funding earning assets | 1.9748% | 315 |
| Net interest margin | 1.8800% | 4,591 |
| Noninterest income to average assets | 0.0100% | 4,616 |
| Noninterest expense to average assets | 0.6261% | 4,654 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0518% | 2,376 |
| Return on assets (ROA) | 1.1058% | 2,173 |
| Pretax return on assets | 1.2927% | 2,197 |
| Return on Equity (ROE) | 7.6100% | 3,386 |
| Retained earnings to average equity (ytd only) | 7.6082% | 2,331 |
| Net charge-offs to loans | -0.0036% | 3,554 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 33.7324% | 4,573 |
| Assets per employee ($millions) | 23.6775% | 74 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9370% | 3,756 |
| Loan loss allowance to noncurrent loans | 2,234.0426% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.0153% | 3,685 |
| Noncurrent loans to loans | 0.0419% | 3,438 |
| Net loans and leases to total assets | 36.0600% | 4,190 |
| Net loans and leases to deposits | 43.4239% | 4,113 |
| Net loans and leases to core deposits | 46.7103% | 4,089 |
| Total domestic deposits to total assets | 83.0500% | 3,288 |
| Equity capital to assets | 14.8096% | 499 |
| Core capital (leverage) ratio | 16.0666% | 463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.0611% | 140 |
| Memoranda: | ||
| Average total assets | $306,031,000 | 2,433 |
| Average earning assets | $299,783,000 | 2,343 |
| Average equity | $44,478,500 | 1,753 |
| Average total loans | $111,872,500 | 3,079 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9276% | 4,218 |
| Cost of funding earning assets | 0.8479% | 326 |
| Net interest margin | 2.0797% | 4,531 |
| Noninterest income to average assets | 0.0200% | 4,633 |
| Noninterest expense to average assets | 0.6307% | 4,682 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2168% | 1,710 |
| Return on assets (ROA) | 1.2358% | 1,594 |
| Pretax return on assets | 1.4426% | 1,651 |
| Return on Equity (ROE) | 8.1500% | 3,349 |
| Retained earnings to average equity (ytd only) | 5.5441% | 2,812 |
| Net charge-offs to loans | 0.0010% | 2,549 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 4,313.0000% | 32 |
| Efficiency ratio | 30.7482% | 4,643 |
| Assets per employee ($millions) | 23.4042% | 74 |
| Cash dividends to net income (ytd only)* | 31.9829% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9392% | 3,631 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 36.3600% | 4,200 |
| Net loans and leases to deposits | 43.7874% | 4,122 |
| Net loans and leases to core deposits | 46.3473% | 4,108 |
| Total domestic deposits to total assets | 83.0500% | 3,410 |
| Equity capital to assets | 14.2552% | 547 |
| Core capital (leverage) ratio | 15.8818% | 466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.1774% | 141 |
| Memoranda: | ||
| Average total assets | $303,619,000 | 2,429 |
| Average earning assets | $296,726,200 | 2,354 |
| Average equity | $46,031,200 | 1,728 |
| Average total loans | $105,201,600 | 3,082 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7197% | 4,280 |
| Cost of funding earning assets | 0.6435% | 347 |
| Net interest margin | 2.0762% | 4,530 |
| Noninterest income to average assets | 0.0200% | 4,670 |
| Noninterest expense to average assets | 0.6309% | 4,722 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2147% | 1,650 |
| Return on assets (ROA) | 1.2381% | 1,535 |
| Pretax return on assets | 1.4420% | 1,591 |
| Return on Equity (ROE) | 8.0500% | 3,315 |
| Retained earnings to average equity (ytd only) | 8.0462% | 1,984 |
| Net charge-offs to loans | -0.0013% | 3,207 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 30.8419% | 4,686 |
| Assets per employee ($millions) | 23.2595% | 75 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9465% | 3,700 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 36.3700% | 4,212 |
| Net loans and leases to deposits | 43.8264% | 4,123 |
| Net loans and leases to core deposits | 45.6224% | 4,130 |
| Total domestic deposits to total assets | 83.0000% | 3,690 |
| Equity capital to assets | 14.2652% | 537 |
| Core capital (leverage) ratio | 16.0344% | 446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.2829% | 140 |
| Memoranda: | ||
| Average total assets | $303,460,250 | 2,447 |
| Average earning assets | $296,501,250 | 2,374 |
| Average equity | $46,696,000 | 1,730 |
| Average total loans | $103,580,250 | 3,110 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5179% | 4,359 |
| Cost of funding earning assets | 0.5014% | 512 |
| Net interest margin | 2.0165% | 4,549 |
| Noninterest income to average assets | 0.0151% | 4,710 |
| Noninterest expense to average assets | 0.5846% | 4,748 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2048% | 1,409 |
| Return on assets (ROA) | 1.2461% | 1,273 |
| Pretax return on assets | 1.4482% | 1,312 |
| Return on Equity (ROE) | 7.9067% | 3,041 |
| Retained earnings to average equity (ytd only) | 7.9067% | 1,654 |
| Net charge-offs to loans | -0.0020% | 3,128 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.4527% | 4,719 |
| Assets per employee ($millions) | 23.5735% | 68 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9591% | 3,768 |
| Loan loss allowance to noncurrent loans | 2,840.5405% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.0121% | 3,906 |
| Noncurrent loans to loans | 0.0338% | 3,695 |
| Net loans and leases to total assets | 35.4166% | 4,275 |
| Net loans and leases to deposits | 43.2471% | 4,145 |
| Net loans and leases to core deposits | 45.2663% | 4,147 |
| Total domestic deposits to total assets | 81.8936% | 4,016 |
| Equity capital to assets | 14.7748% | 427 |
| Core capital (leverage) ratio | 15.7844% | 401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.7279% | 102 |
| Memoranda: | ||
| Average total assets | $303,822,667 | 2,461 |
| Average earning assets | $296,754,667 | 2,401 |
| Average equity | $47,883,333 | 1,737 |
| Average total loans | $101,095,000 | 3,170 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3765% | 4,397 |
| Cost of funding earning assets | 0.4520% | 647 |
| Net interest margin | 1.9246% | 4,565 |
| Noninterest income to average assets | 0.0172% | 4,726 |
| Noninterest expense to average assets | 0.6030% | 4,773 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1180% | 1,481 |
| Return on assets (ROA) | 1.2020% | 1,232 |
| Pretax return on assets | 1.3858% | 1,283 |
| Return on Equity (ROE) | 7.3923% | 2,910 |
| Retained earnings to average equity (ytd only) | 7.3923% | 1,766 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.8658% | 4,730 |
| Assets per employee ($millions) | 23.3728% | 74 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0231% | 3,623 |
| Loan loss allowance to noncurrent loans | 1,521.7391% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.0227% | 3,818 |
| Noncurrent loans to loans | 0.0672% | 3,513 |
| Net loans and leases to total assets | 33.4310% | 4,323 |
| Net loans and leases to deposits | 41.3205% | 4,188 |
| Net loans and leases to core deposits | 42.7768% | 4,209 |
| Total domestic deposits to total assets | 80.9065% | 4,208 |
| Equity capital to assets | 15.7158% | 340 |
| Core capital (leverage) ratio | 15.8959% | 354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.0623% | 99 |
| Memoranda: | ||
| Average total assets | $302,506,500 | 2,485 |
| Average earning assets | $294,715,000 | 2,423 |
| Average equity | $49,186,000 | 1,758 |
| Average total loans | $96,849,000 | 3,235 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5983% | 4,408 |
| Cost of funding earning assets | 0.5020% | 923 |
| Net interest margin | 2.0964% | 4,545 |
| Noninterest income to average assets | 0.0359% | 4,746 |
| Noninterest expense to average assets | 0.6679% | 4,802 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2263% | 1,833 |
| Return on assets (ROA) | 1.2734% | 1,739 |
| Pretax return on assets | 1.4569% | 1,860 |
| Return on Equity (ROE) | 7.4015% | 3,405 |
| Retained earnings to average equity (ytd only) | 5.0967% | 2,748 |
| Net charge-offs to loans | -0.0288% | 4,109 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.2565% | 4,779 |
| Assets per employee ($millions) | 23.1666% | 77 |
| Cash dividends to net income (ytd only)* | 31.1400% | 2,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1530% | 3,116 |
| Loan loss allowance to noncurrent loans | 636.3636% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.0548% | 3,597 |
| Noncurrent loans to loans | 0.1812% | 3,035 |
| Net loans and leases to total assets | 29.8902% | 4,511 |
| Net loans and leases to deposits | 37.6238% | 4,424 |
| Net loans and leases to core deposits | 38.8678% | 4,426 |
| Total domestic deposits to total assets | 79.4449% | 4,268 |
| Equity capital to assets | 16.8080% | 308 |
| Core capital (leverage) ratio | 15.9084% | 373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.1512% | 88 |
| Memoranda: | ||
| Average total assets | $290,007,800 | 2,482 |
| Average earning assets | $281,487,600 | 2,428 |
| Average equity | $49,895,200 | 1,769 |
| Average total loans | $83,422,800 | 3,420 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6944% | 4,413 |
| Cost of funding earning assets | 0.5146% | 977 |
| Net interest margin | 2.1798% | 4,583 |
| Noninterest income to average assets | 0.0427% | 4,815 |
| Noninterest expense to average assets | 0.6583% | 4,888 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3014% | 1,826 |
| Return on assets (ROA) | 1.3648% | 1,698 |
| Pretax return on assets | 1.5751% | 1,779 |
| Return on Equity (ROE) | 7.8849% | 3,436 |
| Retained earnings to average equity (ytd only) | 7.8849% | 2,095 |
| Net charge-offs to loans | -0.0262% | 4,082 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.4684% | 4,858 |
| Assets per employee ($millions) | 22.6678% | 79 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2244% | 2,871 |
| Loan loss allowance to noncurrent loans | 585.3933% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.0604% | 3,713 |
| Noncurrent loans to loans | 0.2092% | 3,117 |
| Net loans and leases to total assets | 28.5253% | 4,629 |
| Net loans and leases to deposits | 36.3725% | 4,568 |
| Net loans and leases to core deposits | 37.5817% | 4,579 |
| Total domestic deposits to total assets | 78.4256% | 4,382 |
| Equity capital to assets | 17.5701% | 295 |
| Core capital (leverage) ratio | 16.3905% | 363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 49.6292% | 86 |
| Memoranda: | ||
| Average total assets | $287,218,250 | 2,517 |
| Average earning assets | $279,039,250 | 2,456 |
| Average equity | $49,714,000 | 1,789 |
| Average total loans | $81,511,250 | 3,501 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7438% | 4,411 |
| Cost of funding earning assets | 0.5314% | 1,026 |
| Net interest margin | 2.2123% | 4,591 |
| Noninterest income to average assets | 0.0393% | 4,855 |
| Noninterest expense to average assets | 0.5823% | 4,924 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3823% | 1,624 |
| Return on assets (ROA) | 1.4772% | 1,415 |
| Pretax return on assets | 1.7195% | 1,434 |
| Return on Equity (ROE) | 8.5790% | 3,236 |
| Retained earnings to average equity (ytd only) | 8.5790% | 1,862 |
| Net charge-offs to loans | -0.0299% | 4,153 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.5705% | 4,914 |
| Assets per employee ($millions) | 22.4642% | 79 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2414% | 2,720 |
| Loan loss allowance to noncurrent loans | 494.2857% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 0.0719% | 3,729 |
| Noncurrent loans to loans | 0.2511% | 3,047 |
| Net loans and leases to total assets | 28.2768% | 4,697 |
| Net loans and leases to deposits | 36.0378% | 4,632 |
| Net loans and leases to core deposits | 37.2880% | 4,643 |
| Total domestic deposits to total assets | 78.4645% | 4,389 |
| Equity capital to assets | 17.5034% | 298 |
| Core capital (leverage) ratio | 16.2486% | 355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 50.4090% | 79 |
| Memoranda: | ||
| Average total assets | $284,730,333 | 2,526 |
| Average earning assets | $276,992,000 | 2,468 |
| Average equity | $49,026,667 | 1,801 |
| Average total loans | $80,314,667 | 3,545 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4938% | 4,646 |
| Cost of funding earning assets | 0.5568% | 1,066 |
| Net interest margin | 1.9370% | 4,758 |
| Noninterest income to average assets | 0.0398% | 4,872 |
| Noninterest expense to average assets | 0.6105% | 4,953 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1468% | 2,341 |
| Return on assets (ROA) | 1.3434% | 1,785 |
| Pretax return on assets | 1.5341% | 1,900 |
| Return on Equity (ROE) | 7.8696% | 3,366 |
| Retained earnings to average equity (ytd only) | 7.8696% | 2,287 |
| Net charge-offs to loans | -0.1220% | 4,692 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.7778% | 4,896 |
| Assets per employee ($millions) | 21.8313% | 81 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2934% | 2,473 |
| Loan loss allowance to noncurrent loans | 606.9364% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.0610% | 3,942 |
| Noncurrent loans to loans | 0.2131% | 3,345 |
| Net loans and leases to total assets | 28.2354% | 4,743 |
| Net loans and leases to deposits | 35.7014% | 4,687 |
| Net loans and leases to core deposits | 36.9661% | 4,688 |
| Total domestic deposits to total assets | 79.0875% | 4,319 |
| Equity capital to assets | 16.9707% | 312 |
| Core capital (leverage) ratio | 16.3255% | 357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 52.0511% | 71 |
| Memoranda: | ||
| Average total assets | $281,078,500 | 2,534 |
| Average earning assets | $272,995,500 | 2,471 |
| Average equity | $47,982,000 | 1,823 |
| Average total loans | $78,664,000 | 3,584 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7580% | 4,768 |
| Cost of funding earning assets | 0.8649% | 973 |
| Net interest margin | 1.8931% | 4,861 |
| Noninterest income to average assets | 0.0479% | 4,865 |
| Noninterest expense to average assets | 0.6945% | 4,964 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.1053% | 1,907 |
| Return on assets (ROA) | 1.1313% | 1,919 |
| Pretax return on assets | 1.2373% | 2,199 |
| Return on Equity (ROE) | 6.4952% | 3,409 |
| Retained earnings to average equity (ytd only) | 2.0881% | 3,787 |
| Net charge-offs to loans | -0.0791% | 4,759 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.4893% | 4,932 |
| Assets per employee ($millions) | 21.4115% | 82 |
| Cash dividends to net income (ytd only)* | 67.8514% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3474% | 2,201 |
| Loan loss allowance to noncurrent loans | 582.9545% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.0632% | 4,027 |
| Noncurrent loans to loans | 0.2311% | 3,372 |
| Net loans and leases to total assets | 26.9869% | 4,813 |
| Net loans and leases to deposits | 34.2518% | 4,777 |
| Net loans and leases to core deposits | 35.6173% | 4,783 |
| Total domestic deposits to total assets | 78.7897% | 4,224 |
| Equity capital to assets | 17.1726% | 322 |
| Core capital (leverage) ratio | 16.1369% | 374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 52.7658% | 69 |
| Memoranda: | ||
| Average total assets | $273,584,800 | 2,437 |
| Average earning assets | $268,132,200 | 2,349 |
| Average equity | $47,650,800 | 1,769 |
| Average total loans | $75,845,400 | 3,626 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8389% | 4,815 |
| Cost of funding earning assets | 0.9347% | 950 |
| Net interest margin | 1.9042% | 4,915 |
| Noninterest income to average assets | 0.0509% | 4,888 |
| Noninterest expense to average assets | 0.6804% | 5,008 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.1238% | 1,903 |
| Return on assets (ROA) | 1.1586% | 1,905 |
| Pretax return on assets | 1.2775% | 2,133 |
| Return on Equity (ROE) | 6.6282% | 3,330 |
| Retained earnings to average equity (ytd only) | 6.6282% | 1,838 |
| Net charge-offs to loans | -0.0915% | 4,808 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.4411% | 4,957 |
| Assets per employee ($millions) | 21.1408% | 76 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3175% | 2,087 |
| Loan loss allowance to noncurrent loans | 402.3715% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 0.0921% | 3,968 |
| Noncurrent loans to loans | 0.3274% | 3,113 |
| Net loans and leases to total assets | 27.7432% | 4,856 |
| Net loans and leases to deposits | 36.2244% | 4,822 |
| Net loans and leases to core deposits | 37.9431% | 4,821 |
| Total domestic deposits to total assets | 76.5871% | 4,372 |
| Equity capital to assets | 17.8804% | 311 |
| Core capital (leverage) ratio | 16.7198% | 361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 54.2401% | 77 |
| Memoranda: | ||
| Average total assets | $272,393,500 | 2,420 |
| Average earning assets | $267,327,500 | 2,342 |
| Average equity | $47,613,500 | 1,755 |
| Average total loans | $75,770,750 | 3,646 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9231% | 4,873 |
| Cost of funding earning assets | 1.0334% | 890 |
| Net interest margin | 1.8896% | 4,971 |
| Noninterest income to average assets | 0.0486% | 4,917 |
| Noninterest expense to average assets | 0.6186% | 5,043 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.1412% | 1,839 |
| Return on assets (ROA) | 1.1923% | 1,790 |
| Pretax return on assets | 1.3403% | 1,900 |
| Return on Equity (ROE) | 6.8741% | 3,179 |
| Retained earnings to average equity (ytd only) | 6.8741% | 1,708 |
| Net charge-offs to loans | -0.1355% | 4,897 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.5329% | 5,002 |
| Assets per employee ($millions) | 21.6667% | 71 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3369% | 1,840 |
| Loan loss allowance to noncurrent loans | 558.7912% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.0646% | 4,208 |
| Noncurrent loans to loans | 0.2392% | 3,522 |
| Net loans and leases to total assets | 26.6467% | 4,904 |
| Net loans and leases to deposits | 36.0028% | 4,864 |
| Net loans and leases to core deposits | 37.7780% | 4,859 |
| Total domestic deposits to total assets | 74.0129% | 4,595 |
| Equity capital to assets | 17.1813% | 362 |
| Core capital (leverage) ratio | 16.0975% | 428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 52.5532% | 76 |
| Memoranda: | ||
| Average total assets | $271,581,000 | 2,406 |
| Average earning assets | $266,296,000 | 2,329 |
| Average equity | $47,104,333 | 1,763 |
| Average total loans | $75,272,667 | 3,662 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1644% | 4,887 |
| Cost of funding earning assets | 1.2357% | 683 |
| Net interest margin | 1.9287% | 5,029 |
| Noninterest income to average assets | 0.0555% | 4,962 |
| Noninterest expense to average assets | 0.6168% | 5,092 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1774% | 1,589 |
| Return on assets (ROA) | 1.2816% | 1,386 |
| Pretax return on assets | 1.4437% | 1,453 |
| Return on Equity (ROE) | 7.3526% | 2,795 |
| Retained earnings to average equity (ytd only) | 7.3526% | 1,422 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.7375% | 5,058 |
| Assets per employee ($millions) | 21.5208% | 56 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2957% | 2,170 |
| Loan loss allowance to noncurrent loans | 530.7692% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.0651% | 4,274 |
| Noncurrent loans to loans | 0.2441% | 3,607 |
| Net loans and leases to total assets | 26.3040% | 4,955 |
| Net loans and leases to deposits | 35.8229% | 4,912 |
| Net loans and leases to core deposits | 37.7156% | 4,904 |
| Total domestic deposits to total assets | 73.4279% | 4,694 |
| Equity capital to assets | 16.8166% | 462 |
| Core capital (leverage) ratio | 17.3075% | 381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.0491% | 85 |
| Memoranda: | ||
| Average total assets | $266,538,000 | 2,386 |
| Average earning assets | $260,901,000 | 2,316 |
| Average equity | $46,459,500 | 1,779 |
| Average total loans | $74,873,000 | 3,665 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6257% | 4,753 |
| Cost of funding earning assets | 1.4915% | 409 |
| Net interest margin | 2.1342% | 5,071 |
| Noninterest income to average assets | 0.0296% | 5,079 |
| Noninterest expense to average assets | 0.7125% | 5,148 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.2867% | 1,740 |
| Return on assets (ROA) | 1.2867% | 1,820 |
| Pretax return on assets | 1.4136% | 2,105 |
| Return on Equity (ROE) | 7.1423% | 3,501 |
| Retained earnings to average equity (ytd only) | 4.7788% | 2,547 |
| Net charge-offs to loans | 0.0360% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 134.0769% | 541 |
| Efficiency ratio | 33.5113% | 5,122 |
| Assets per employee ($millions) | 19.4850% | 65 |
| Cash dividends to net income (ytd only)* | 33.0917% | 2,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2848% | 2,001 |
| Loan loss allowance to noncurrent loans | 2,683.3333% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.0142% | 4,593 |
| Noncurrent loans to loans | 0.0479% | 4,359 |
| Net loans and leases to total assets | 29.3018% | 4,979 |
| Net loans and leases to deposits | 36.3156% | 4,973 |
| Net loans and leases to core deposits | 38.1705% | 4,971 |
| Total domestic deposits to total assets | 80.6865% | 3,836 |
| Equity capital to assets | 18.1090% | 358 |
| Core capital (leverage) ratio | 17.2616% | 390 |
| Tier 1 risk-based capital ratio | 54.1781% | 117 |
| Total risk-based capital ratio | 55.3933% | 115 |
| Memoranda: | ||
| Average total assets | $246,604,800 | 2,485 |
| Average earning assets | $242,244,600 | 2,389 |
| Average equity | $44,425,400 | 1,773 |
| Average total loans | $72,264,000 | 3,731 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6707% | 4,813 |
| Cost of funding earning assets | 1.5184% | 386 |
| Net interest margin | 2.1522% | 5,157 |
| Noninterest income to average assets | 0.0267% | 5,161 |
| Noninterest expense to average assets | 0.7033% | 5,229 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3108% | 1,809 |
| Return on assets (ROA) | 1.3108% | 1,890 |
| Pretax return on assets | 1.4398% | 2,156 |
| Return on Equity (ROE) | 7.2862% | 3,586 |
| Retained earnings to average equity (ytd only) | 7.2862% | 1,721 |
| Net charge-offs to loans | -0.0186% | 4,569 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.8169% | 5,199 |
| Assets per employee ($millions) | 19.6300% | 60 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3606% | 1,721 |
| Loan loss allowance to noncurrent loans | 2,569.2308% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.0153% | 4,677 |
| Noncurrent loans to loans | 0.0530% | 4,406 |
| Net loans and leases to total assets | 28.4666% | 5,078 |
| Net loans and leases to deposits | 36.4895% | 5,057 |
| Net loans and leases to core deposits | 37.9822% | 5,057 |
| Total domestic deposits to total assets | 78.0132% | 4,344 |
| Equity capital to assets | 18.2209% | 377 |
| Core capital (leverage) ratio | 17.7122% | 371 |
| Tier 1 risk-based capital ratio | 54.9055% | 113 |
| Total risk-based capital ratio | 56.1554% | 112 |
| Memoranda: | ||
| Average total assets | $244,929,750 | 2,511 |
| Average earning assets | $240,859,000 | 2,419 |
| Average equity | $44,064,000 | 1,795 |
| Average total loans | $71,532,750 | 3,790 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7129% | 4,819 |
| Cost of funding earning assets | 1.5234% | 350 |
| Net interest margin | 2.1895% | 5,210 |
| Noninterest income to average assets | 0.0174% | 5,222 |
| Noninterest expense to average assets | 0.7039% | 5,277 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3391% | 1,623 |
| Return on assets (ROA) | 1.3391% | 1,685 |
| Pretax return on assets | 1.4666% | 1,969 |
| Return on Equity (ROE) | 7.4770% | 3,510 |
| Retained earnings to average equity (ytd only) | 7.4770% | 1,613 |
| Net charge-offs to loans | -0.0169% | 4,493 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.4304% | 5,247 |
| Assets per employee ($millions) | 18.8165% | 58 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3660% | 1,757 |
| Loan loss allowance to noncurrent loans | 2,558.9744% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.0159% | 4,711 |
| Noncurrent loans to loans | 0.0534% | 4,444 |
| Net loans and leases to total assets | 29.4599% | 5,108 |
| Net loans and leases to deposits | 36.3127% | 5,101 |
| Net loans and leases to core deposits | 37.7396% | 5,109 |
| Total domestic deposits to total assets | 81.1282% | 3,765 |
| Equity capital to assets | 18.4376% | 339 |
| Core capital (leverage) ratio | 17.5759% | 374 |
| Tier 1 risk-based capital ratio | 54.3144% | 113 |
| Total risk-based capital ratio | 55.5649% | 113 |
| Memoranda: | ||
| Average total assets | $241,509,670 | 2,544 |
| Average earning assets | $237,499,330 | 2,445 |
| Average equity | $43,252,670 | 1,818 |
| Average total loans | $70,828,330 | 3,821 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7152% | 4,824 |
| Cost of funding earning assets | 1.4871% | 338 |
| Net interest margin | 2.2281% | 5,268 |
| Noninterest income to average assets | 0.0167% | 5,285 |
| Noninterest expense to average assets | 0.7168% | 5,338 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3586% | 1,494 |
| Return on assets (ROA) | 1.3586% | 1,537 |
| Pretax return on assets | 1.4903% | 1,803 |
| Return on Equity (ROE) | 7.7017% | 3,380 |
| Retained earnings to average equity (ytd only) | 7.7017% | 1,770 |
| Net charge-offs to loans | -0.1607% | 5,138 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.4773% | 5,300 |
| Assets per employee ($millions) | 18.5403% | 60 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4607% | 1,472 |
| Loan loss allowance to noncurrent loans | 2,487.8049% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.0170% | 4,783 |
| Noncurrent loans to loans | 0.0587% | 4,495 |
| Net loans and leases to total assets | 28.5482% | 5,173 |
| Net loans and leases to deposits | 35.2105% | 5,160 |
| Net loans and leases to core deposits | 36.5588% | 5,166 |
| Total domestic deposits to total assets | 81.0786% | 3,956 |
| Equity capital to assets | 17.9239% | 354 |
| Core capital (leverage) ratio | 17.5056% | 372 |
| Tier 1 risk-based capital ratio | 54.5374% | 112 |
| Total risk-based capital ratio | 55.7884% | 110 |
| Memoranda: | ||
| Average total assets | $239,957,500 | 2,584 |
| Average earning assets | $235,893,000 | 2,484 |
| Average equity | $42,328,500 | 1,841 |
| Average total loans | $69,712,000 | 3,870 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4814% | 4,937 |
| Cost of funding earning assets | 1.1946% | 353 |
| Net interest margin | 2.2868% | 5,287 |
| Noninterest income to average assets | 0.0368% | 5,295 |
| Noninterest expense to average assets | 0.7334% | 5,375 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.3718% | 1,526 |
| Return on assets (ROA) | 1.4381% | 1,301 |
| Pretax return on assets | 1.6252% | 1,392 |
| Return on Equity (ROE) | 8.1349% | 3,383 |
| Retained earnings to average equity (ytd only) | 3.3518% | 3,738 |
| Net charge-offs to loans | -0.2458% | 5,289 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.1208% | 5,356 |
| Assets per employee ($millions) | 18.3762% | 55 |
| Cash dividends to net income (ytd only)* | 58.7973% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4254% | 1,541 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 28.7177% | 5,226 |
| Net loans and leases to deposits | 34.7919% | 5,214 |
| Net loans and leases to core deposits | 35.9692% | 5,217 |
| Total domestic deposits to total assets | 82.5414% | 3,468 |
| Equity capital to assets | 17.3535% | 389 |
| Core capital (leverage) ratio | 17.2589% | 384 |
| Tier 1 risk-based capital ratio | 53.8713% | 116 |
| Total risk-based capital ratio | 55.1224% | 112 |
| Memoranda: | ||
| Average total assets | $233,568,600 | 2,590 |
| Average earning assets | $229,448,000 | 2,489 |
| Average equity | $41,291,200 | 1,805 |
| Average total loans | $68,355,200 | 3,907 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4225% | 5,012 |
| Cost of funding earning assets | 1.1323% | 349 |
| Net interest margin | 2.2903% | 5,353 |
| Noninterest income to average assets | 0.0373% | 5,372 |
| Noninterest expense to average assets | 0.7004% | 5,450 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3876% | 1,534 |
| Return on assets (ROA) | 1.4755% | 1,257 |
| Pretax return on assets | 1.6873% | 1,309 |
| Return on Equity (ROE) | 8.3069% | 3,414 |
| Retained earnings to average equity (ytd only) | 5.0746% | 3,195 |
| Net charge-offs to loans | -0.2136% | 5,312 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.6302% | 5,428 |
| Assets per employee ($millions) | 17.9154% | 59 |
| Cash dividends to net income (ytd only)* | 38.9105% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3655% | 1,826 |
| Loan loss allowance to noncurrent loans | 2,827.2727% | 260 |
| Noncurrent assets plus other real estate owned to assets | 0.0142% | 4,931 |
| Noncurrent loans to loans | 0.0483% | 4,678 |
| Net loans and leases to total assets | 28.9360% | 5,294 |
| Net loans and leases to deposits | 35.4538% | 5,284 |
| Net loans and leases to core deposits | 36.6458% | 5,288 |
| Total domestic deposits to total assets | 81.6161% | 3,706 |
| Equity capital to assets | 17.6410% | 366 |
| Core capital (leverage) ratio | 17.7463% | 355 |
| Tier 1 risk-based capital ratio | 54.9884% | 105 |
| Total risk-based capital ratio | 56.2357% | 103 |
| Memoranda: | ||
| Average total assets | $232,238,000 | 2,607 |
| Average earning assets | $228,091,500 | 2,511 |
| Average equity | $41,250,000 | 1,815 |
| Average total loans | $68,045,000 | 3,947 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3599% | 5,081 |
| Cost of funding earning assets | 1.0687% | 336 |
| Net interest margin | 2.2911% | 5,420 |
| Noninterest income to average assets | 0.0353% | 5,431 |
| Noninterest expense to average assets | 0.6749% | 5,520 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3800% | 1,506 |
| Return on assets (ROA) | 1.5120% | 1,126 |
| Pretax return on assets | 1.7628% | 1,064 |
| Return on Equity (ROE) | 8.4930% | 3,269 |
| Retained earnings to average equity (ytd only) | 3.6509% | 3,769 |
| Net charge-offs to loans | -0.3208% | 5,395 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.5472% | 5,498 |
| Assets per employee ($millions) | 17.8164% | 60 |
| Cash dividends to net income (ytd only)* | 57.0125% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3518% | 1,934 |
| Loan loss allowance to noncurrent loans | 2,827.2727% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.0142% | 4,964 |
| Noncurrent loans to loans | 0.0478% | 4,705 |
| Net loans and leases to total assets | 29.3956% | 5,339 |
| Net loans and leases to deposits | 36.4978% | 5,318 |
| Net loans and leases to core deposits | 37.4180% | 5,329 |
| Total domestic deposits to total assets | 80.5408% | 4,122 |
| Equity capital to assets | 17.7771% | 345 |
| Core capital (leverage) ratio | 17.4668% | 350 |
| Tier 1 risk-based capital ratio | 53.9813% | 111 |
| Total risk-based capital ratio | 55.2305% | 110 |
| Memoranda: | ||
| Average total assets | $232,017,330 | 2,618 |
| Average earning assets | $227,747,670 | 2,527 |
| Average equity | $41,304,670 | 1,815 |
| Average total loans | $67,951,670 | 3,973 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3029% | 5,137 |
| Cost of funding earning assets | 1.0109% | 354 |
| Net interest margin | 2.2920% | 5,476 |
| Noninterest income to average assets | 0.0362% | 5,504 |
| Noninterest expense to average assets | 0.6752% | 5,585 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3247% | 1,562 |
| Return on assets (ROA) | 1.5761% | 915 |
| Pretax return on assets | 1.9172% | 691 |
| Return on Equity (ROE) | 8.8470% | 2,984 |
| Retained earnings to average equity (ytd only) | 8.8470% | 1,521 |
| Net charge-offs to loans | -0.0534% | 4,997 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.5403% | 5,564 |
| Assets per employee ($millions) | 19.3531% | 51 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2421% | 2,560 |
| Loan loss allowance to noncurrent loans | 213.5897% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 0.1679% | 4,251 |
| Noncurrent loans to loans | 0.5815% | 2,799 |
| Net loans and leases to total assets | 28.5187% | 5,400 |
| Net loans and leases to deposits | 35.2764% | 5,374 |
| Net loans and leases to core deposits | 36.0592% | 5,393 |
| Total domestic deposits to total assets | 80.8437% | 4,234 |
| Equity capital to assets | 17.8585% | 328 |
| Core capital (leverage) ratio | 17.5047% | 343 |
| Tier 1 risk-based capital ratio | 55.4252% | 105 |
| Total risk-based capital ratio | 56.5658% | 102 |
| Memoranda: | ||
| Average total assets | $232,219,500 | 2,646 |
| Average earning assets | $227,924,000 | 2,551 |
| Average equity | $41,370,000 | 1,820 |
| Average total loans | $67,419,000 | 4,028 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2381% | 5,147 |
| Cost of funding earning assets | 0.8506% | 482 |
| Net interest margin | 2.3876% | 5,467 |
| Noninterest income to average assets | 0.0401% | 5,554 |
| Noninterest expense to average assets | 0.7228% | 5,636 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.4706% | 871 |
| Return on assets (ROA) | 1.4952% | 833 |
| Pretax return on assets | 1.6856% | 1,041 |
| Return on Equity (ROE) | 8.2782% | 2,659 |
| Retained earnings to average equity (ytd only) | 6.0562% | 1,513 |
| Net charge-offs to loans | 0.0286% | 3,235 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 195.6842% | 406 |
| Efficiency ratio | 30.3615% | 5,625 |
| Assets per employee ($millions) | 19.3502% | 52 |
| Cash dividends to net income (ytd only)* | 26.8416% | 3,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2158% | 2,683 |
| Loan loss allowance to noncurrent loans | 1,004.8780% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.0353% | 4,961 |
| Noncurrent loans to loans | 0.1210% | 4,439 |
| Net loans and leases to total assets | 28.8327% | 5,449 |
| Net loans and leases to deposits | 35.9983% | 5,429 |
| Net loans and leases to core deposits | 36.9017% | 5,442 |
| Total domestic deposits to total assets | 80.0945% | 4,319 |
| Equity capital to assets | 17.7716% | 332 |
| Core capital (leverage) ratio | 17.3077% | 348 |
| Tier 1 risk-based capital ratio | 53.4911% | 104 |
| Total risk-based capital ratio | 54.6052% | 104 |
| Memoranda: | ||
| Average total assets | $224,256,200 | 2,689 |
| Average earning assets | $219,847,800 | 2,582 |
| Average equity | $40,504,200 | 1,844 |
| Average total loans | $66,376,600 | 4,039 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2230% | 5,207 |
| Cost of funding earning assets | 0.8191% | 514 |
| Net interest margin | 2.4039% | 5,524 |
| Noninterest income to average assets | 0.0414% | 5,627 |
| Noninterest expense to average assets | 0.6820% | 5,710 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.5077% | 880 |
| Return on assets (ROA) | 1.5404% | 840 |
| Pretax return on assets | 1.7522% | 997 |
| Return on Equity (ROE) | 8.4932% | 2,883 |
| Retained earnings to average equity (ytd only) | 8.4932% | 1,018 |
| Net charge-offs to loans | 0.0606% | 2,249 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 95.2975% | 711 |
| Efficiency ratio | 28.4535% | 5,698 |
| Assets per employee ($millions) | 19.2859% | 49 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2002% | 2,933 |
| Loan loss allowance to noncurrent loans | 1,729.7872% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.0203% | 5,150 |
| Noncurrent loans to loans | 0.0694% | 4,798 |
| Net loans and leases to total assets | 28.9183% | 5,522 |
| Net loans and leases to deposits | 36.2279% | 5,492 |
| Net loans and leases to core deposits | 37.2677% | 5,505 |
| Total domestic deposits to total assets | 79.8234% | 4,354 |
| Equity capital to assets | 18.0775% | 331 |
| Core capital (leverage) ratio | 17.8648% | 313 |
| Tier 1 risk-based capital ratio | 53.1493% | 108 |
| Total risk-based capital ratio | 54.2383% | 107 |
| Memoranda: | ||
| Average total assets | $222,269,750 | 2,732 |
| Average earning assets | $217,807,000 | 2,622 |
| Average equity | $40,313,750 | 1,862 |
| Average total loans | $66,027,250 | 4,084 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1942% | 5,249 |
| Cost of funding earning assets | 0.7711% | 612 |
| Net interest margin | 2.4231% | 5,552 |
| Noninterest income to average assets | 0.0338% | 5,678 |
| Noninterest expense to average assets | 0.6678% | 5,763 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.5305% | 808 |
| Return on assets (ROA) | 1.5546% | 804 |
| Pretax return on assets | 1.7672% | 908 |
| Return on Equity (ROE) | 8.5615% | 2,747 |
| Retained earnings to average equity (ytd only) | 8.5615% | 981 |
| Net charge-offs to loans | 0.1589% | 1,212 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 36.6731% | 1,323 |
| Efficiency ratio | 27.7378% | 5,750 |
| Assets per employee ($millions) | 18.8977% | 53 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1641% | 3,222 |
| Loan loss allowance to noncurrent loans | 1,682.9787% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.0207% | 5,195 |
| Noncurrent loans to loans | 0.0692% | 4,851 |
| Net loans and leases to total assets | 29.6143% | 5,552 |
| Net loans and leases to deposits | 38.3816% | 5,494 |
| Net loans and leases to core deposits | 39.6710% | 5,510 |
| Total domestic deposits to total assets | 77.1577% | 4,935 |
| Equity capital to assets | 18.2121% | 312 |
| Core capital (leverage) ratio | 17.7306% | 313 |
| Tier 1 risk-based capital ratio | 52.2214% | 106 |
| Total risk-based capital ratio | 53.2856% | 106 |
| Memoranda: | ||
| Average total assets | $219,216,000 | 2,778 |
| Average earning assets | $214,764,000 | 2,659 |
| Average equity | $39,806,000 | 1,880 |
| Average total loans | $65,456,670 | 4,115 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1544% | 5,301 |
| Cost of funding earning assets | 0.7250% | 742 |
| Net interest margin | 2.4294% | 5,597 |
| Noninterest income to average assets | 0.0353% | 5,754 |
| Noninterest expense to average assets | 0.6795% | 5,832 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.5223% | 776 |
| Return on assets (ROA) | 1.5615% | 747 |
| Pretax return on assets | 1.7768% | 840 |
| Return on Equity (ROE) | 8.6126% | 2,611 |
| Retained earnings to average equity (ytd only) | 8.6126% | 1,231 |
| Net charge-offs to loans | -0.0810% | 5,376 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.1755% | 5,808 |
| Assets per employee ($millions) | 18.1185% | 57 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3319% | 2,381 |
| Loan loss allowance to noncurrent loans | 317.0370% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.1242% | 4,764 |
| Noncurrent loans to loans | 0.4201% | 3,588 |
| Net loans and leases to total assets | 29.1668% | 5,605 |
| Net loans and leases to deposits | 36.0675% | 5,582 |
| Net loans and leases to core deposits | 37.2232% | 5,594 |
| Total domestic deposits to total assets | 80.8672% | 4,441 |
| Equity capital to assets | 18.1964% | 293 |
| Core capital (leverage) ratio | 17.8945% | 292 |
| Tier 1 risk-based capital ratio | 53.1811% | 112 |
| Total risk-based capital ratio | 54.3806% | 111 |
| Memoranda: | ||
| Average total assets | $215,438,000 | 2,830 |
| Average earning assets | $210,754,000 | 2,716 |
| Average equity | $39,059,000 | 1,913 |
| Average total loans | $64,211,000 | 4,179 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0718% | 5,433 |
| Cost of funding earning assets | 0.6934% | 838 |
| Net interest margin | 2.3784% | 5,662 |
| Noninterest income to average assets | 0.0364% | 5,803 |
| Noninterest expense to average assets | 0.6922% | 5,883 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.4927% | 838 |
| Return on assets (ROA) | 1.4931% | 858 |
| Pretax return on assets | 1.6786% | 1,057 |
| Return on Equity (ROE) | 8.3254% | 2,771 |
| Retained earnings to average equity (ytd only) | 3.7002% | 3,281 |
| Net charge-offs to loans | -0.0203% | 5,132 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.2042% | 5,872 |
| Assets per employee ($millions) | 17.7878% | 59 |
| Cash dividends to net income (ytd only)* | 55.5556% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3141% | 2,469 |
| Loan loss allowance to noncurrent loans | 1,139.1892% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.0347% | 5,227 |
| Noncurrent loans to loans | 0.1154% | 4,774 |
| Net loans and leases to total assets | 29.6588% | 5,649 |
| Net loans and leases to deposits | 37.4777% | 5,612 |
| Net loans and leases to core deposits | 38.8459% | 5,623 |
| Total domestic deposits to total assets | 79.1374% | 4,762 |
| Equity capital to assets | 18.0624% | 298 |
| Core capital (leverage) ratio | 17.4188% | 322 |
| Tier 1 risk-based capital ratio | 52.4546% | 122 |
| Total risk-based capital ratio | 53.6462% | 120 |
| Memoranda: | ||
| Average total assets | $220,007,400 | 2,761 |
| Average earning assets | $215,899,800 | 2,644 |
| Average equity | $39,457,400 | 1,864 |
| Average total loans | $63,991,600 | 4,179 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0512% | 5,527 |
| Cost of funding earning assets | 0.6915% | 853 |
| Net interest margin | 2.3596% | 5,741 |
| Noninterest income to average assets | 0.0379% | 5,861 |
| Noninterest expense to average assets | 0.6689% | 5,958 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.4937% | 888 |
| Return on assets (ROA) | 1.4942% | 934 |
| Pretax return on assets | 1.6849% | 1,155 |
| Return on Equity (ROE) | 8.3459% | 2,833 |
| Retained earnings to average equity (ytd only) | 4.9861% | 2,840 |
| Net charge-offs to loans | -0.0250% | 5,085 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.4254% | 5,942 |
| Assets per employee ($millions) | 18.3650% | 53 |
| Cash dividends to net income (ytd only)* | 40.2576% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2945% | 2,716 |
| Loan loss allowance to noncurrent loans | 84,200.0000% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 5,553 |
| Noncurrent loans to loans | 0.0015% | 5,421 |
| Net loans and leases to total assets | 29.1324% | 5,730 |
| Net loans and leases to deposits | 38.1905% | 5,672 |
| Net loans and leases to core deposits | 39.5942% | 5,690 |
| Total domestic deposits to total assets | 76.2819% | 5,195 |
| Equity capital to assets | 18.3043% | 319 |
| Core capital (leverage) ratio | 17.0870% | 360 |
| Tier 1 risk-based capital ratio | 51.9437% | 122 |
| Total risk-based capital ratio | 53.1215% | 125 |
| Memoranda: | ||
| Average total assets | $221,645,750 | 2,748 |
| Average earning assets | $217,484,500 | 2,632 |
| Average equity | $39,683,000 | 1,871 |
| Average total loans | $63,951,750 | 4,206 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0401% | 5,612 |
| Cost of funding earning assets | 0.6871% | 855 |
| Net interest margin | 2.3530% | 5,834 |
| Noninterest income to average assets | 0.0342% | 5,944 |
| Noninterest expense to average assets | 0.6367% | 6,035 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5085% | 876 |
| Return on assets (ROA) | 1.5085% | 922 |
| Pretax return on assets | 1.7076% | 1,070 |
| Return on Equity (ROE) | 8.4887% | 2,753 |
| Retained earnings to average equity (ytd only) | 3.4208% | 3,717 |
| Net charge-offs to loans | -0.1038% | 5,638 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.1610% | 6,021 |
| Assets per employee ($millions) | 18.8647% | 49 |
| Cash dividends to net income (ytd only)* | 59.7015% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3338% | 2,600 |
| Loan loss allowance to noncurrent loans | 86,300.0000% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 5,648 |
| Noncurrent loans to loans | 0.0015% | 5,514 |
| Net loans and leases to total assets | 28.1995% | 5,817 |
| Net loans and leases to deposits | 37.3759% | 5,760 |
| Net loans and leases to core deposits | 38.8402% | 5,772 |
| Total domestic deposits to total assets | 75.4484% | 5,358 |
| Equity capital to assets | 17.7810% | 359 |
| Core capital (leverage) ratio | 16.5232% | 402 |
| Tier 1 risk-based capital ratio | 51.0333% | 126 |
| Total risk-based capital ratio | 52.2457% | 125 |
| Memoranda: | ||
| Average total assets | $222,067,670 | 2,756 |
| Average earning assets | $218,016,330 | 2,634 |
| Average equity | $39,464,330 | 1,880 |
| Average total loans | $63,587,670 | 4,245 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0331% | 5,663 |
| Cost of funding earning assets | 0.6819% | 883 |
| Net interest margin | 2.3513% | 5,901 |
| Noninterest income to average assets | 0.0346% | 6,010 |
| Noninterest expense to average assets | 0.6530% | 6,099 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5042% | 843 |
| Return on assets (ROA) | 1.5042% | 884 |
| Pretax return on assets | 1.6898% | 1,090 |
| Return on Equity (ROE) | 8.4667% | 2,675 |
| Retained earnings to average equity (ytd only) | 8.4667% | 1,276 |
| Net charge-offs to loans | 0.5140% | 424 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 11.4691% | 1,858 |
| Efficiency ratio | 27.8727% | 6,078 |
| Assets per employee ($millions) | 17.1748% | 62 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1899% | 3,541 |
| Loan loss allowance to noncurrent loans | 550.7353% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.0609% | 5,359 |
| Noncurrent loans to loans | 0.2161% | 4,658 |
| Net loans and leases to total assets | 27.8578% | 5,880 |
| Net loans and leases to deposits | 36.3986% | 5,818 |
| Net loans and leases to core deposits | 37.7176% | 5,828 |
| Total domestic deposits to total assets | 76.5355% | 5,357 |
| Equity capital to assets | 17.7061% | 352 |
| Core capital (leverage) ratio | 16.8931% | 379 |
| Tier 1 risk-based capital ratio | 52.1137% | 121 |
| Total risk-based capital ratio | 53.1838% | 119 |
| Memoranda: | ||
| Average total assets | $219,913,500 | 2,779 |
| Average earning assets | $215,882,500 | 2,670 |
| Average equity | $39,070,500 | 1,890 |
| Average total loans | $63,031,500 | 4,287 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1611% | 5,562 |
| Cost of funding earning assets | 0.6900% | 867 |
| Net interest margin | 2.4711% | 5,846 |
| Noninterest income to average assets | 0.0451% | 6,021 |
| Noninterest expense to average assets | 0.7497% | 6,145 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.4934% | 878 |
| Return on assets (ROA) | 1.5116% | 875 |
| Pretax return on assets | 1.7202% | 953 |
| Return on Equity (ROE) | 8.5602% | 2,688 |
| Retained earnings to average equity (ytd only) | 6.5652% | 1,501 |
| Net charge-offs to loans | 0.0016% | 4,420 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 3,618.0000% | 5 |
| Efficiency ratio | 30.6099% | 6,137 |
| Assets per employee ($millions) | 16.6580% | 63 |
| Cash dividends to net income (ytd only)* | 23.3064% | 3,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3151% | 2,814 |
| Loan loss allowance to noncurrent loans | 368.8889% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.1039% | 5,188 |
| Noncurrent loans to loans | 0.3565% | 4,181 |
| Net loans and leases to total assets | 28.7619% | 5,924 |
| Net loans and leases to deposits | 36.8801% | 5,867 |
| Net loans and leases to core deposits | 38.1107% | 5,875 |
| Total domestic deposits to total assets | 77.9875% | 5,169 |
| Equity capital to assets | 17.8283% | 330 |
| Core capital (leverage) ratio | 16.8510% | 381 |
| Tier 1 risk-based capital ratio | 51.0343% | 122 |
| Total risk-based capital ratio | 52.2225% | 119 |
| Memoranda: | ||
| Average total assets | $212,886,400 | 2,811 |
| Average earning assets | $207,113,000 | 2,702 |
| Average equity | $37,592,400 | 1,900 |
| Average total loans | $63,674,800 | 4,271 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1910% | 5,596 |
| Cost of funding earning assets | 0.6911% | 878 |
| Net interest margin | 2.4999% | 5,908 |
| Noninterest income to average assets | 0.0478% | 6,106 |
| Noninterest expense to average assets | 0.6787% | 6,242 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.5456% | 856 |
| Return on assets (ROA) | 1.5694% | 860 |
| Pretax return on assets | 1.8222% | 856 |
| Return on Equity (ROE) | 8.9092% | 2,624 |
| Retained earnings to average equity (ytd only) | 8.9092% | 939 |
| Net charge-offs to loans | -0.0397% | 5,462 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.4415% | 6,234 |
| Assets per employee ($millions) | 17.7733% | 59 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3527% | 2,831 |
| Loan loss allowance to noncurrent loans | 250.0000% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 0.1594% | 5,126 |
| Noncurrent loans to loans | 0.5411% | 3,721 |
| Net loans and leases to total assets | 29.0641% | 6,000 |
| Net loans and leases to deposits | 37.3150% | 5,945 |
| Net loans and leases to core deposits | 38.5966% | 5,954 |
| Total domestic deposits to total assets | 77.8887% | 5,204 |
| Equity capital to assets | 18.0364% | 338 |
| Core capital (leverage) ratio | 16.7691% | 399 |
| Tier 1 risk-based capital ratio | 49.7150% | 138 |
| Total risk-based capital ratio | 50.8995% | 137 |
| Memoranda: | ||
| Average total assets | $211,969,500 | 2,844 |
| Average earning assets | $205,656,500 | 2,735 |
| Average equity | $37,338,500 | 1,927 |
| Average total loans | $63,814,750 | 4,310 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1540% | 5,681 |
| Cost of funding earning assets | 0.6851% | 913 |
| Net interest margin | 2.4688% | 5,992 |
| Noninterest income to average assets | 0.0444% | 6,187 |
| Noninterest expense to average assets | 0.6836% | 6,316 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.5224% | 863 |
| Return on assets (ROA) | 1.5582% | 847 |
| Pretax return on assets | 1.8078% | 885 |
| Return on Equity (ROE) | 8.9173% | 2,594 |
| Retained earnings to average equity (ytd only) | 8.9173% | 947 |
| Net charge-offs to loans | -0.0218% | 5,203 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.9043% | 6,306 |
| Assets per employee ($millions) | 17.6239% | 61 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2938% | 3,274 |
| Loan loss allowance to noncurrent loans | 162.7184% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 0.2435% | 4,900 |
| Noncurrent loans to loans | 0.7951% | 3,124 |
| Net loans and leases to total assets | 30.2288% | 6,030 |
| Net loans and leases to deposits | 38.5592% | 5,954 |
| Net loans and leases to core deposits | 39.8924% | 5,957 |
| Total domestic deposits to total assets | 78.3958% | 5,202 |
| Equity capital to assets | 17.6143% | 373 |
| Core capital (leverage) ratio | 16.7849% | 383 |
| Tier 1 risk-based capital ratio | 47.7241% | 167 |
| Total risk-based capital ratio | 48.8723% | 166 |
| Memoranda: | ||
| Average total assets | $211,532,670 | 2,867 |
| Average earning assets | $206,089,000 | 2,746 |
| Average equity | $36,962,000 | 1,952 |
| Average total loans | $64,140,330 | 4,333 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1275% | 5,750 |
| Cost of funding earning assets | 0.6786% | 957 |
| Net interest margin | 2.4489% | 6,069 |
| Noninterest income to average assets | 0.0303% | 6,273 |
| Noninterest expense to average assets | 0.7034% | 6,392 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.5013% | 845 |
| Return on assets (ROA) | 1.5013% | 897 |
| Pretax return on assets | 1.7149% | 1,022 |
| Return on Equity (ROE) | 8.6264% | 2,636 |
| Retained earnings to average equity (ytd only) | 8.6264% | 1,332 |
| Net charge-offs to loans | 0.1128% | 1,617 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 50.3889% | 833 |
| Efficiency ratio | 29.0852% | 6,372 |
| Assets per employee ($millions) | 17.7545% | 59 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2780% | 3,529 |
| Loan loss allowance to noncurrent loans | 145.6989% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 0.2619% | 4,895 |
| Noncurrent loans to loans | 0.8771% | 3,054 |
| Net loans and leases to total assets | 29.4775% | 6,093 |
| Net loans and leases to deposits | 37.6397% | 6,002 |
| Net loans and leases to core deposits | 38.9331% | 6,008 |
| Total domestic deposits to total assets | 78.3149% | 5,389 |
| Equity capital to assets | 17.4707% | 382 |
| Core capital (leverage) ratio | 16.5804% | 407 |
| Tier 1 risk-based capital ratio | 47.2394% | 167 |
| Total risk-based capital ratio | 48.3698% | 167 |
| Memoranda: | ||
| Average total assets | $211,555,500 | 2,892 |
| Average earning assets | $206,300,000 | 2,769 |
| Average equity | $36,817,000 | 1,973 |
| Average total loans | $63,826,500 | 4,369 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2493% | 5,773 |
| Cost of funding earning assets | 0.7033% | 1,086 |
| Net interest margin | 2.5460% | 6,117 |
| Noninterest income to average assets | 0.0480% | 6,298 |
| Noninterest expense to average assets | 0.7048% | 6,476 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.5789% | 737 |
| Return on assets (ROA) | 1.5789% | 775 |
| Pretax return on assets | 1.8350% | 735 |
| Return on Equity (ROE) | 9.2469% | 2,465 |
| Retained earnings to average equity (ytd only) | 4.4885% | 2,983 |
| Net charge-offs to loans | -0.1379% | 6,191 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.7502% | 6,471 |
| Assets per employee ($millions) | 19.0961% | 53 |
| Cash dividends to net income (ytd only)* | 51.4593% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2977% | 3,439 |
| Loan loss allowance to noncurrent loans | 191.9169% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 0.2061% | 5,197 |
| Noncurrent loans to loans | 0.6762% | 3,652 |
| Net loans and leases to total assets | 30.0899% | 6,176 |
| Net loans and leases to deposits | 38.5586% | 6,078 |
| Net loans and leases to core deposits | 39.8424% | 6,098 |
| Total domestic deposits to total assets | 78.0369% | 5,433 |
| Equity capital to assets | 17.3343% | 386 |
| Core capital (leverage) ratio | 16.2921% | 440 |
| Tier 1 risk-based capital ratio | 47.2200% | 151 |
| Total risk-based capital ratio | 48.4026% | 152 |
| Memoranda: | ||
| Average total assets | $206,158,000 | 2,923 |
| Average earning assets | $201,764,200 | 2,789 |
| Average equity | $35,201,000 | 1,984 |
| Average total loans | $61,637,800 | 4,442 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2610% | 5,825 |
| Cost of funding earning assets | 0.7062% | 1,123 |
| Net interest margin | 2.5548% | 6,180 |
| Noninterest income to average assets | 0.0500% | 6,384 |
| Noninterest expense to average assets | 0.6602% | 6,561 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.6083% | 739 |
| Return on assets (ROA) | 1.6083% | 770 |
| Pretax return on assets | 1.8864% | 741 |
| Return on Equity (ROE) | 9.4558% | 2,470 |
| Retained earnings to average equity (ytd only) | 5.6353% | 2,645 |
| Net charge-offs to loans | -0.1398% | 6,221 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.9250% | 6,556 |
| Assets per employee ($millions) | 18.9006% | 54 |
| Cash dividends to net income (ytd only)* | 40.4040% | 2,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3122% | 3,586 |
| Loan loss allowance to noncurrent loans | 176.4706% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 0.2208% | 5,335 |
| Noncurrent loans to loans | 0.7436% | 3,744 |
| Net loans and leases to total assets | 29.3016% | 6,277 |
| Net loans and leases to deposits | 37.6976% | 6,194 |
| Net loans and leases to core deposits | 39.0480% | 6,202 |
| Total domestic deposits to total assets | 77.7280% | 5,581 |
| Equity capital to assets | 17.4727% | 375 |
| Core capital (leverage) ratio | 16.0356% | 473 |
| Tier 1 risk-based capital ratio | 48.3490% | 143 |
| Total risk-based capital ratio | 49.5330% | 143 |
| Memoranda: | ||
| Average total assets | $205,183,250 | 2,956 |
| Average earning assets | $200,504,250 | 2,822 |
| Average equity | $34,898,250 | 2,007 |
| Average total loans | $61,038,000 | 4,498 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2796% | 5,829 |
| Cost of funding earning assets | 0.7083% | 1,149 |
| Net interest margin | 2.5713% | 6,206 |
| Noninterest income to average assets | 0.0460% | 6,454 |
| Noninterest expense to average assets | 0.6716% | 6,627 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.6076% | 697 |
| Return on assets (ROA) | 1.6076% | 725 |
| Pretax return on assets | 1.8837% | 711 |
| Return on Equity (ROE) | 9.5404% | 2,358 |
| Retained earnings to average equity (ytd only) | 3.7302% | 3,822 |
| Net charge-offs to loans | -0.1020% | 6,150 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.2835% | 6,623 |
| Assets per employee ($millions) | 18.6613% | 51 |
| Cash dividends to net income (ytd only)* | 60.9013% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2578% | 4,106 |
| Loan loss allowance to noncurrent loans | 172.2838% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 0.2197% | 5,453 |
| Noncurrent loans to loans | 0.7301% | 3,871 |
| Net loans and leases to total assets | 29.7159% | 6,319 |
| Net loans and leases to deposits | 37.8389% | 6,231 |
| Net loans and leases to core deposits | 39.1755% | 6,238 |
| Total domestic deposits to total assets | 78.5326% | 5,546 |
| Equity capital to assets | 17.1809% | 394 |
| Core capital (leverage) ratio | 16.0931% | 468 |
| Tier 1 risk-based capital ratio | 47.2391% | 150 |
| Total risk-based capital ratio | 48.3775% | 149 |
| Memoranda: | ||
| Average total assets | $204,275,330 | 2,978 |
| Average earning assets | $199,353,000 | 2,840 |
| Average equity | $34,422,000 | 2,021 |
| Average total loans | $60,807,330 | 4,525 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2566% | 5,922 |
| Cost of funding earning assets | 0.7006% | 1,246 |
| Net interest margin | 2.5560% | 6,279 |
| Noninterest income to average assets | 0.0432% | 6,499 |
| Noninterest expense to average assets | 0.7086% | 6,708 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.5821% | 687 |
| Return on assets (ROA) | 1.5821% | 716 |
| Pretax return on assets | 1.8412% | 748 |
| Return on Equity (ROE) | 9.4826% | 2,260 |
| Retained earnings to average equity (ytd only) | 9.4826% | 1,113 |
| Net charge-offs to loans | -0.0597% | 5,889 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.7906% | 6,686 |
| Assets per employee ($millions) | 18.5474% | 52 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2645% | 4,313 |
| Loan loss allowance to noncurrent loans | 166.2996% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 0.2225% | 5,542 |
| Noncurrent loans to loans | 0.7604% | 3,965 |
| Net loans and leases to total assets | 28.8956% | 6,392 |
| Net loans and leases to deposits | 36.6635% | 6,293 |
| Net loans and leases to core deposits | 37.8129% | 6,316 |
| Total domestic deposits to total assets | 78.8130% | 5,714 |
| Equity capital to assets | 17.0389% | 392 |
| Core capital (leverage) ratio | 16.2364% | 453 |
| Tier 1 risk-based capital ratio | 49.0569% | 143 |
| Total risk-based capital ratio | 50.1998% | 145 |
| Memoranda: | ||
| Average total assets | $203,776,000 | 3,015 |
| Average earning assets | $199,840,000 | 2,854 |
| Average equity | $33,999,000 | 2,033 |
| Average total loans | $60,323,000 | 4,575 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2855% | 6,017 |
| Cost of funding earning assets | 0.8017% | 1,203 |
| Net interest margin | 2.4838% | 6,383 |
| Noninterest income to average assets | 0.0589% | 6,522 |
| Noninterest expense to average assets | 0.7081% | 6,777 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.5042% | 817 |
| Return on assets (ROA) | 1.5042% | 856 |
| Pretax return on assets | 1.7548% | 846 |
| Return on Equity (ROE) | 9.0561% | 2,508 |
| Retained earnings to average equity (ytd only) | 7.2675% | 1,330 |
| Net charge-offs to loans | 0.0801% | 4,098 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 77.0435% | 563 |
| Efficiency ratio | 28.7495% | 6,770 |
| Assets per employee ($millions) | 18.5028% | 54 |
| Cash dividends to net income (ytd only)* | 19.7498% | 3,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2242% | 4,523 |
| Loan loss allowance to noncurrent loans | 3,926.3158% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.0093% | 6,396 |
| Noncurrent loans to loans | 0.0312% | 6,160 |
| Net loans and leases to total assets | 29.5739% | 6,475 |
| Net loans and leases to deposits | 38.1876% | 6,356 |
| Net loans and leases to core deposits | 39.5368% | 6,380 |
| Total domestic deposits to total assets | 77.4437% | 5,907 |
| Equity capital to assets | 16.3292% | 478 |
| Core capital (leverage) ratio | 15.8957% | 481 |
| Tier 1 risk-based capital ratio | 46.4489% | 156 |
| Total risk-based capital ratio | 47.5454% | 157 |
| Memoranda: | ||
| Average total assets | $201,962,800 | 3,014 |
| Average earning assets | $195,464,600 | 2,882 |
| Average equity | $33,546,600 | 2,057 |
| Average total loans | $57,425,400 | 4,701 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2848% | 6,080 |
| Cost of funding earning assets | 0.8287% | 1,161 |
| Net interest margin | 2.4560% | 6,469 |
| Noninterest income to average assets | 0.0635% | 6,591 |
| Noninterest expense to average assets | 0.6740% | 6,859 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.5015% | 894 |
| Return on assets (ROA) | 1.5015% | 937 |
| Pretax return on assets | 1.7575% | 979 |
| Return on Equity (ROE) | 9.0011% | 2,631 |
| Retained earnings to average equity (ytd only) | 9.0011% | 1,052 |
| Net charge-offs to loans | 0.1745% | 2,828 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 35.9070% | 1,084 |
| Efficiency ratio | 27.7203% | 6,847 |
| Assets per employee ($millions) | 18.1773% | 59 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2543% | 4,618 |
| Loan loss allowance to noncurrent loans | 150.2092% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 0.2391% | 5,727 |
| Noncurrent loans to loans | 0.8350% | 4,163 |
| Net loans and leases to total assets | 28.2706% | 6,588 |
| Net loans and leases to deposits | 35.8321% | 6,516 |
| Net loans and leases to core deposits | 37.1080% | 6,524 |
| Total domestic deposits to total assets | 78.8972% | 5,762 |
| Equity capital to assets | 16.8952% | 431 |
| Core capital (leverage) ratio | 16.0643% | 482 |
| Tier 1 risk-based capital ratio | 48.5130% | 146 |
| Total risk-based capital ratio | 49.6211% | 144 |
| Memoranda: | ||
| Average total assets | $201,570,750 | 3,042 |
| Average earning assets | $194,346,750 | 2,924 |
| Average equity | $33,624,500 | 2,068 |
| Average total loans | $56,547,250 | 4,776 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3066% | 6,078 |
| Cost of funding earning assets | 0.8694% | 1,039 |
| Net interest margin | 2.4372% | 6,517 |
| Noninterest income to average assets | 0.0594% | 6,641 |
| Noninterest expense to average assets | 0.6491% | 6,910 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.4913% | 916 |
| Return on assets (ROA) | 1.4913% | 987 |
| Pretax return on assets | 1.7515% | 1,011 |
| Return on Equity (ROE) | 8.9777% | 2,618 |
| Retained earnings to average equity (ytd only) | 8.9777% | 1,129 |
| Net charge-offs to loans | -0.0639% | 6,352 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.0404% | 6,899 |
| Assets per employee ($millions) | 18.1187% | 56 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4166% | 3,960 |
| Loan loss allowance to noncurrent loans | 1,421.0526% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.0286% | 6,448 |
| Noncurrent loans to loans | 0.0997% | 6,099 |
| Net loans and leases to total assets | 28.2831% | 6,625 |
| Net loans and leases to deposits | 35.7134% | 6,565 |
| Net loans and leases to core deposits | 36.8511% | 6,575 |
| Total domestic deposits to total assets | 79.1948% | 5,779 |
| Equity capital to assets | 16.5881% | 459 |
| Core capital (leverage) ratio | 15.5475% | 512 |
| Tier 1 risk-based capital ratio | 47.6131% | 142 |
| Total risk-based capital ratio | 48.8706% | 140 |
| Memoranda: | ||
| Average total assets | $202,111,000 | 3,048 |
| Average earning assets | $194,158,330 | 2,940 |
| Average equity | $33,572,000 | 2,076 |
| Average total loans | $56,314,670 | 4,812 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3435% | 6,057 |
| Cost of funding earning assets | 0.9621% | 735 |
| Net interest margin | 2.3815% | 6,613 |
| Noninterest income to average assets | 0.0609% | 6,696 |
| Noninterest expense to average assets | 0.6801% | 6,987 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4132% | 1,005 |
| Return on assets (ROA) | 1.4132% | 1,091 |
| Pretax return on assets | 1.6431% | 1,205 |
| Return on Equity (ROE) | 8.5020% | 2,719 |
| Retained earnings to average equity (ytd only) | 8.5020% | 1,561 |
| Net charge-offs to loans | -0.0429% | 6,069 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.2724% | 6,964 |
| Assets per employee ($millions) | 18.6895% | 60 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4461% | 4,029 |
| Loan loss allowance to noncurrent loans | 2,850.0000% | 203 |
| Noncurrent assets plus other real estate owned to assets | 0.0136% | 6,578 |
| Noncurrent loans to loans | 0.0507% | 6,327 |
| Net loans and leases to total assets | 26.4533% | 6,718 |
| Net loans and leases to deposits | 33.1608% | 6,664 |
| Net loans and leases to core deposits | 34.1533% | 6,668 |
| Total domestic deposits to total assets | 79.7728% | 5,806 |
| Equity capital to assets | 16.5601% | 486 |
| Core capital (leverage) ratio | 15.3888% | 526 |
| Tier 1 risk-based capital ratio | 46.5764% | 153 |
| Total risk-based capital ratio | 47.8202% | 155 |
| Memoranda: | ||
| Average total assets | $203,513,500 | 3,063 |
| Average earning assets | $193,327,500 | 2,973 |
| Average equity | $33,827,500 | 2,087 |
| Average total loans | $55,882,000 | 4,862 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8748% | 5,649 |
| Cost of funding earning assets | 1.0919% | 938 |
| Net interest margin | 2.7830% | 6,404 |
| Noninterest income to average assets | 0.0616% | 6,651 |
| Noninterest expense to average assets | 0.7373% | 7,035 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.6947% | 624 |
| Return on assets (ROA) | 1.6947% | 703 |
| Pretax return on assets | 2.0312% | 567 |
| Return on Equity (ROE) | 10.0462% | 2,152 |
| Retained earnings to average equity (ytd only) | 5.4079% | 2,440 |
| Net charge-offs to loans | -0.1665% | 6,914 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.6308% | 7,032 |
| Assets per employee ($millions) | 18.3129% | 61 |
| Cash dividends to net income (ytd only)* | 46.1701% | 2,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3997% | 4,176 |
| Loan loss allowance to noncurrent loans | 2,640.0000% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.0149% | 6,641 |
| Noncurrent loans to loans | 0.0530% | 6,364 |
| Net loans and leases to total assets | 27.6953% | 6,765 |
| Net loans and leases to deposits | 35.2530% | 6,705 |
| Net loans and leases to core deposits | 36.4448% | 6,719 |
| Total domestic deposits to total assets | 78.5616% | 5,976 |
| Equity capital to assets | 16.6847% | 455 |
| Core capital (leverage) ratio | 15.0307% | 565 |
| Tier 1 risk-based capital ratio | 44.5407% | 177 |
| Total risk-based capital ratio | 45.7503% | 178 |
| Memoranda: | ||
| Average total assets | $194,907,200 | 3,114 |
| Average earning assets | $189,582,400 | 2,966 |
| Average equity | $32,878,000 | 2,097 |
| Average total loans | $58,264,800 | 4,785 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9403% | 5,683 |
| Cost of funding earning assets | 1.0924% | 1,094 |
| Net interest margin | 2.8479% | 6,440 |
| Noninterest income to average assets | 0.0621% | 6,761 |
| Noninterest expense to average assets | 0.6933% | 7,147 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.7791% | 592 |
| Return on assets (ROA) | 1.7791% | 661 |
| Pretax return on assets | 2.1510% | 526 |
| Return on Equity (ROE) | 10.5171% | 2,131 |
| Retained earnings to average equity (ytd only) | 6.4391% | 2,410 |
| Net charge-offs to loans | -0.1181% | 6,887 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.3755% | 7,138 |
| Assets per employee ($millions) | 17.9279% | 65 |
| Cash dividends to net income (ytd only)* | 38.7747% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2628% | 4,992 |
| Loan loss allowance to noncurrent loans | 2,334.3750% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.0162% | 6,734 |
| Noncurrent loans to loans | 0.0541% | 6,482 |
| Net loans and leases to total assets | 29.6161% | 6,828 |
| Net loans and leases to deposits | 38.5095% | 6,737 |
| Net loans and leases to core deposits | 39.9034% | 6,742 |
| Total domestic deposits to total assets | 76.9060% | 6,249 |
| Equity capital to assets | 17.0719% | 452 |
| Core capital (leverage) ratio | 15.1174% | 591 |
| Tier 1 risk-based capital ratio | 42.4543% | 202 |
| Total risk-based capital ratio | 43.5492% | 203 |
| Memoranda: | ||
| Average total assets | $193,273,500 | 3,171 |
| Average earning assets | $188,811,750 | 3,004 |
| Average equity | $32,695,000 | 2,127 |
| Average total loans | $58,685,500 | 4,813 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0114% | 5,607 |
| Cost of funding earning assets | 1.0957% | 1,237 |
| Net interest margin | 2.9156% | 6,404 |
| Noninterest income to average assets | 0.0594% | 6,823 |
| Noninterest expense to average assets | 0.6835% | 7,212 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.8379% | 529 |
| Return on assets (ROA) | 1.8379% | 595 |
| Pretax return on assets | 2.2286% | 467 |
| Return on Equity (ROE) | 10.8986% | 2,023 |
| Retained earnings to average equity (ytd only) | 4.7203% | 3,466 |
| Net charge-offs to loans | -0.1367% | 6,922 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.4705% | 7,200 |
| Assets per employee ($millions) | 16.2493% | 70 |
| Cash dividends to net income (ytd only)* | 56.6893% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2449% | 5,145 |
| Loan loss allowance to noncurrent loans | 816.6667% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.0462% | 6,708 |
| Noncurrent loans to loans | 0.1524% | 6,283 |
| Net loans and leases to total assets | 29.9023% | 6,872 |
| Net loans and leases to deposits | 38.7440% | 6,773 |
| Net loans and leases to core deposits | 40.3646% | 6,796 |
| Total domestic deposits to total assets | 77.1791% | 6,299 |
| Equity capital to assets | 16.7863% | 469 |
| Core capital (leverage) ratio | 15.1454% | 575 |
| Tier 1 risk-based capital ratio | 40.1756% | 223 |
| Total risk-based capital ratio | 41.2246% | 224 |
| Memoranda: | ||
| Average total assets | $191,962,330 | 3,194 |
| Average earning assets | $187,816,670 | 3,020 |
| Average equity | $32,371,000 | 2,129 |
| Average total loans | $58,530,000 | 4,851 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0894% | 5,498 |
| Cost of funding earning assets | 1.1157% | 1,314 |
| Net interest margin | 2.9737% | 6,351 |
| Noninterest income to average assets | 0.0525% | 6,918 |
| Noninterest expense to average assets | 0.6910% | 7,277 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.8798% | 510 |
| Return on assets (ROA) | 1.8798% | 585 |
| Pretax return on assets | 2.2725% | 474 |
| Return on Equity (ROE) | 11.1213% | 1,971 |
| Retained earnings to average equity (ytd only) | 11.1213% | 1,000 |
| Net charge-offs to loans | -0.1098% | 6,823 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.3168% | 7,263 |
| Assets per employee ($millions) | 16.0501% | 77 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2278% | 5,365 |
| Loan loss allowance to noncurrent loans | 518.9781% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.0711% | 6,708 |
| Noncurrent loans to loans | 0.2366% | 6,219 |
| Net loans and leases to total assets | 29.6982% | 6,920 |
| Net loans and leases to deposits | 38.9979% | 6,783 |
| Net loans and leases to core deposits | 40.8115% | 6,792 |
| Total domestic deposits to total assets | 76.1533% | 6,527 |
| Equity capital to assets | 16.9812% | 433 |
| Core capital (leverage) ratio | 15.4516% | 537 |
| Tier 1 risk-based capital ratio | 39.4933% | 235 |
| Total risk-based capital ratio | 40.4863% | 238 |
| Memoranda: | ||
| Average total assets | $190,447,500 | 3,226 |
| Average earning assets | $186,431,500 | 3,061 |
| Average equity | $32,190,500 | 2,137 |
| Average total loans | $58,274,000 | 4,892 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4722% | 5,175 |
| Cost of funding earning assets | 1.4867% | 752 |
| Net interest margin | 2.9854% | 6,552 |
| Noninterest income to average assets | 0.0583% | 6,807 |
| Noninterest expense to average assets | 0.7535% | 7,314 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.8609% | 413 |
| Return on assets (ROA) | 1.8609% | 447 |
| Pretax return on assets | 2.2128% | 357 |
| Return on Equity (ROE) | 11.9971% | 1,406 |
| Retained earnings to average equity (ytd only) | 10.4599% | 481 |
| Net charge-offs to loans | -0.0350% | 7,016 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.4019% | 7,312 |
| Assets per employee ($millions) | 15.6912% | 79 |
| Cash dividends to net income (ytd only)* | 12.8132% | 3,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1852% | 5,465 |
| Loan loss allowance to noncurrent loans | 283.6735% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.1301% | 6,625 |
| Noncurrent loans to loans | 0.4178% | 5,880 |
| Net loans and leases to total assets | 30.7726% | 6,981 |
| Net loans and leases to deposits | 39.9472% | 6,885 |
| Net loans and leases to core deposits | 41.5729% | 6,900 |
| Total domestic deposits to total assets | 77.0333% | 6,336 |
| Equity capital to assets | 16.8221% | 474 |
| Core capital (leverage) ratio | 14.9894% | 606 |
| Tier 1 risk-based capital ratio | 36.9698% | 289 |
| Total risk-based capital ratio | 37.9080% | 294 |
| Memoranda: | ||
| Average total assets | $188,722,200 | 3,201 |
| Average earning assets | $183,826,200 | 3,044 |
| Average equity | $29,273,800 | 2,251 |
| Average total loans | $57,179,800 | 4,979 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5220% | 5,193 |
| Cost of funding earning assets | 1.5494% | 720 |
| Net interest margin | 2.9726% | 6,631 |
| Noninterest income to average assets | 0.0558% | 6,936 |
| Noninterest expense to average assets | 0.6842% | 7,400 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.8923% | 431 |
| Return on assets (ROA) | 1.8923% | 467 |
| Pretax return on assets | 2.2637% | 385 |
| Return on Equity (ROE) | 12.4618% | 1,426 |
| Retained earnings to average equity (ytd only) | 12.4618% | 442 |
| Net charge-offs to loans | -0.0188% | 6,896 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.2096% | 7,391 |
| Assets per employee ($millions) | 15.8799% | 82 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1737% | 5,569 |
| Loan loss allowance to noncurrent loans | 319.1589% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.1123% | 6,772 |
| Noncurrent loans to loans | 0.3678% | 6,121 |
| Net loans and leases to total assets | 30.1781% | 7,082 |
| Net loans and leases to deposits | 39.2713% | 7,003 |
| Net loans and leases to core deposits | 41.0398% | 7,005 |
| Total domestic deposits to total assets | 76.8450% | 6,402 |
| Equity capital to assets | 16.4631% | 552 |
| Core capital (leverage) ratio | 14.1530% | 861 |
| Tier 1 risk-based capital ratio | 36.2204% | 315 |
| Total risk-based capital ratio | 37.1365% | 317 |
| Memoranda: | ||
| Average total assets | $188,829,250 | 3,217 |
| Average earning assets | $183,719,250 | 3,056 |
| Average equity | $28,673,500 | 2,293 |
| Average total loans | $56,815,250 | 5,044 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5830% | 5,040 |
| Cost of funding earning assets | 1.5698% | 790 |
| Net interest margin | 3.0132% | 6,580 |
| Noninterest income to average assets | 0.0563% | 7,021 |
| Noninterest expense to average assets | 0.6874% | 7,480 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.9314% | 384 |
| Return on assets (ROA) | 1.9314% | 405 |
| Pretax return on assets | 2.3075% | 347 |
| Return on Equity (ROE) | 13.0914% | 1,178 |
| Retained earnings to average equity (ytd only) | 13.0914% | 382 |
| Net charge-offs to loans | -0.1703% | 7,272 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.9514% | 7,465 |
| Assets per employee ($millions) | 15.7931% | 83 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2382% | 5,373 |
| Loan loss allowance to noncurrent loans | 263.8686% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.1446% | 6,729 |
| Noncurrent loans to loans | 0.4693% | 5,967 |
| Net loans and leases to total assets | 30.4279% | 7,167 |
| Net loans and leases to deposits | 39.5588% | 7,079 |
| Net loans and leases to core deposits | 41.5117% | 7,080 |
| Total domestic deposits to total assets | 76.9182% | 6,462 |
| Equity capital to assets | 15.6086% | 679 |
| Core capital (leverage) ratio | 13.8273% | 916 |
| Tier 1 risk-based capital ratio | 35.1348% | 340 |
| Total risk-based capital ratio | 36.1066% | 346 |
| Memoranda: | ||
| Average total assets | $188,252,670 | 3,250 |
| Average earning assets | $183,593,000 | 3,080 |
| Average equity | $27,774,000 | 2,332 |
| Average total loans | $56,357,000 | 5,106 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6533% | 4,732 |
| Cost of funding earning assets | 1.5474% | 987 |
| Net interest margin | 3.1058% | 6,334 |
| Noninterest income to average assets | 0.0384% | 7,193 |
| Noninterest expense to average assets | 0.7121% | 7,536 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.9806% | 360 |
| Return on assets (ROA) | 1.9806% | 374 |
| Pretax return on assets | 2.3516% | 314 |
| Return on Equity (ROE) | 13.8293% | 1,022 |
| Retained earnings to average equity (ytd only) | 13.8293% | 489 |
| Net charge-offs to loans | -0.0506% | 6,891 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.2429% | 7,521 |
| Assets per employee ($millions) | 15.7524% | 90 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2048% | 5,607 |
| Loan loss allowance to noncurrent loans | 312.8440% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.1153% | 6,879 |
| Noncurrent loans to loans | 0.3851% | 6,227 |
| Net loans and leases to total assets | 29.5843% | 7,239 |
| Net loans and leases to deposits | 38.9832% | 7,134 |
| Net loans and leases to core deposits | 40.6958% | 7,145 |
| Total domestic deposits to total assets | 75.8899% | 6,684 |
| Equity capital to assets | 14.5972% | 856 |
| Core capital (leverage) ratio | 13.4574% | 981 |
| Tier 1 risk-based capital ratio | 34.4464% | 366 |
| Total risk-based capital ratio | 35.3768% | 361 |
| Memoranda: | ||
| Average total assets | $187,620,500 | 3,272 |
| Average earning assets | $182,752,500 | 3,100 |
| Average equity | $26,870,500 | 2,389 |
| Average total loans | $55,341,000 | 5,204 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8779% | 5,124 |
| Cost of funding earning assets | 1.9036% | 834 |
| Net interest margin | 2.9743% | 6,784 |
| Noninterest income to average assets | 0.0557% | 7,080 |
| Noninterest expense to average assets | 0.8036% | 7,594 |
| Loan and lease loss provision to assets | 0.0552% | 6,593 |
| Net operating income to assets | 1.7540% | 461 |
| Return on assets (ROA) | 1.7540% | 503 |
| Pretax return on assets | 2.0841% | 402 |
| Return on Equity (ROE) | 12.3604% | 1,245 |
| Retained earnings to average equity (ytd only) | 10.9019% | 393 |
| Net charge-offs to loans | -0.0622% | 7,465 |
| Credit loss provision to net charge-offs | -294.1176% | 7,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.3068% | 7,593 |
| Assets per employee ($millions) | 15.5177% | 89 |
| Cash dividends to net income (ytd only)* | 11.7999% | 3,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2482% | 5,277 |
| Loan loss allowance to noncurrent loans | 196.7930% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 0.1842% | 6,768 |
| Noncurrent loans to loans | 0.6343% | 5,779 |
| Net loans and leases to total assets | 28.6781% | 7,386 |
| Net loans and leases to deposits | 37.0981% | 7,324 |
| Net loans and leases to core deposits | 38.7823% | 7,328 |
| Total domestic deposits to total assets | 77.3033% | 6,432 |
| Equity capital to assets | 14.0421% | 1,023 |
| Core capital (leverage) ratio | 13.0700% | 1,107 |
| Tier 1 risk-based capital ratio | 34.2925% | 361 |
| Total risk-based capital ratio | 35.2442% | 364 |
| Memoranda: | ||
| Average total assets | $181,182,800 | 3,358 |
| Average earning assets | $175,875,000 | 3,171 |
| Average equity | $25,711,200 | 2,482 |
| Average total loans | $54,687,800 | 5,289 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9068% | 5,235 |
| Cost of funding earning assets | 1.9751% | 811 |
| Net interest margin | 2.9317% | 6,958 |
| Noninterest income to average assets | 0.0437% | 7,304 |
| Noninterest expense to average assets | 0.7203% | 7,720 |
| Loan and lease loss provision to assets | 0.0741% | 6,316 |
| Net operating income to assets | 1.7488% | 567 |
| Return on assets (ROA) | 1.7488% | 619 |
| Pretax return on assets | 2.0949% | 511 |
| Return on Equity (ROE) | 12.2904% | 1,427 |
| Retained earnings to average equity (ytd only) | 12.2904% | 430 |
| Net charge-offs to loans | -0.0705% | 7,507 |
| Credit loss provision to net charge-offs | -344.8276% | 6,991 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.9295% | 7,709 |
| Assets per employee ($millions) | 15.1319% | 100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1951% | 5,515 |
| Loan loss allowance to noncurrent loans | 168.3417% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 0.2192% | 6,814 |
| Noncurrent loans to loans | 0.7099% | 5,791 |
| Net loans and leases to total assets | 30.5056% | 7,454 |
| Net loans and leases to deposits | 40.7086% | 7,352 |
| Net loans and leases to core deposits | 42.8155% | 7,354 |
| Total domestic deposits to total assets | 74.9365% | 6,807 |
| Equity capital to assets | 15.3830% | 798 |
| Core capital (leverage) ratio | 13.0289% | 1,217 |
| Tier 1 risk-based capital ratio | 33.8474% | 382 |
| Total risk-based capital ratio | 34.7970% | 387 |
| Memoranda: | ||
| Average total assets | $179,925,500 | 3,423 |
| Average earning assets | $174,638,500 | 3,239 |
| Average equity | $25,602,000 | 2,530 |
| Average total loans | $54,840,500 | 5,354 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8760% | 5,499 |
| Cost of funding earning assets | 1.9256% | 1,127 |
| Net interest margin | 2.9503% | 6,935 |
| Noninterest income to average assets | 0.0401% | 7,380 |
| Noninterest expense to average assets | 0.7158% | 7,794 |
| Loan and lease loss provision to assets | 0.1115% | 5,792 |
| Net operating income to assets | 1.7338% | 546 |
| Return on assets (ROA) | 1.7338% | 597 |
| Pretax return on assets | 2.0828% | 504 |
| Return on Equity (ROE) | 12.5277% | 1,344 |
| Retained earnings to average equity (ytd only) | 12.5277% | 431 |
| Net charge-offs to loans | -0.0551% | 7,463 |
| Credit loss provision to net charge-offs | -666.6667% | 6,859 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.5977% | 7,777 |
| Assets per employee ($millions) | 15.2325% | 96 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1704% | 5,603 |
| Loan loss allowance to noncurrent loans | 169.5090% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 0.2117% | 6,873 |
| Noncurrent loans to loans | 0.6905% | 5,866 |
| Net loans and leases to total assets | 30.3042% | 7,527 |
| Net loans and leases to deposits | 41.1074% | 7,415 |
| Net loans and leases to core deposits | 43.3066% | 7,420 |
| Total domestic deposits to total assets | 73.7196% | 7,008 |
| Equity capital to assets | 14.2738% | 1,075 |
| Core capital (leverage) ratio | 12.7512% | 1,304 |
| Tier 1 risk-based capital ratio | 32.5546% | 407 |
| Total risk-based capital ratio | 33.4801% | 411 |
| Memoranda: | ||
| Average total assets | $179,373,000 | 3,449 |
| Average earning assets | $174,488,000 | 3,265 |
| Average equity | $24,825,000 | 2,607 |
| Average total loans | $54,433,000 | 5,401 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9855% | 5,084 |
| Cost of funding earning assets | 1.9415% | 1,280 |
| Net interest margin | 3.0440% | 6,732 |
| Noninterest income to average assets | 0.0405% | 7,514 |
| Noninterest expense to average assets | 0.7160% | 7,898 |
| Loan and lease loss provision to assets | 0.1801% | 4,723 |
| Net operating income to assets | 1.7494% | 554 |
| Return on assets (ROA) | 1.7494% | 605 |
| Pretax return on assets | 2.1096% | 499 |
| Return on Equity (ROE) | 12.8472% | 1,282 |
| Retained earnings to average equity (ytd only) | 12.8472% | 640 |
| Net charge-offs to loans | -0.0522% | 7,358 |
| Credit loss provision to net charge-offs | -1,142.8571% | 6,414 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.8202% | 7,889 |
| Assets per employee ($millions) | 14.9082% | 106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1560% | 5,740 |
| Loan loss allowance to noncurrent loans | 175.4190% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 0.2001% | 6,965 |
| Noncurrent loans to loans | 0.6590% | 6,002 |
| Net loans and leases to total assets | 30.0165% | 7,622 |
| Net loans and leases to deposits | 40.9032% | 7,493 |
| Net loans and leases to core deposits | 42.3999% | 7,516 |
| Total domestic deposits to total assets | 73.3843% | 7,123 |
| Equity capital to assets | 13.7704% | 1,219 |
| Core capital (leverage) ratio | 12.5943% | 1,372 |
| Tier 1 risk-based capital ratio | 32.1028% | 433 |
| Total risk-based capital ratio | 33.0070% | 438 |
| Memoranda: | ||
| Average total assets | $177,664,500 | 3,528 |
| Average earning assets | $173,061,000 | 3,351 |
| Average equity | $24,192,000 | 2,703 |
| Average total loans | $53,625,000 | 5,509 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3055% | 5,149 |
| Cost of funding earning assets | 2.3588% | 1,429 |
| Net interest margin | 2.9466% | 6,765 |
| Noninterest income to average assets | 0.0604% | 7,455 |
| Noninterest expense to average assets | 0.8303% | 7,963 |
| Loan and lease loss provision to assets | 0.1237% | 6,403 |
| Net operating income to assets | 1.6464% | 488 |
| Return on assets (ROA) | 1.6756% | 495 |
| Pretax return on assets | 2.0145% | 393 |
| Return on Equity (ROE) | 13.2543% | 904 |
| Retained earnings to average equity (ytd only) | 11.8888% | 217 |
| Net charge-offs to loans | 0.0340% | 6,786 |
| Credit loss provision to net charge-offs | 1,194.4444% | 257 |
| Earnings coverage of net charge-offs (x) | 203.0556% | 139 |
| Efficiency ratio | 28.3052% | 7,950 |
| Assets per employee ($millions) | 14.7026% | 115 |
| Cash dividends to net income (ytd only)* | 10.3022% | 3,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0222% | 6,258 |
| Loan loss allowance to noncurrent loans | 140.8854% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 0.2176% | 6,920 |
| Noncurrent loans to loans | 0.7256% | 5,807 |
| Net loans and leases to total assets | 29.6898% | 7,716 |
| Net loans and leases to deposits | 40.3432% | 7,618 |
| Net loans and leases to core deposits | 50.4303% | 7,579 |
| Total domestic deposits to total assets | 73.5931% | 7,070 |
| Equity capital to assets | 13.4608% | 1,340 |
| Core capital (leverage) ratio | 12.1268% | 1,609 |
| Tier 1 risk-based capital ratio | 31.8824% | 446 |
| Total risk-based capital ratio | 32.6839% | 458 |
| Memoranda: | ||
| Average total assets | $173,791,200 | 3,540 |
| Average earning assets | $169,447,000 | 3,359 |
| Average equity | $21,970,200 | 2,945 |
| Average total loans | $52,959,200 | 5,548 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3842% | 5,021 |
| Cost of funding earning assets | 2.4532% | 1,434 |
| Net interest margin | 2.9309% | 6,776 |
| Noninterest income to average assets | 0.0570% | 7,616 |
| Noninterest expense to average assets | 0.7747% | 8,058 |
| Loan and lease loss provision to assets | 0.1194% | 6,175 |
| Net operating income to assets | 1.6642% | 594 |
| Return on assets (ROA) | 1.7027% | 588 |
| Pretax return on assets | 2.0685% | 478 |
| Return on Equity (ROE) | 13.6951% | 980 |
| Retained earnings to average equity (ytd only) | 13.6951% | 211 |
| Net charge-offs to loans | 0.0453% | 6,276 |
| Credit loss provision to net charge-offs | 861.1111% | 443 |
| Earnings coverage of net charge-offs (x) | 154.4404% | 245 |
| Efficiency ratio | 26.5716% | 8,029 |
| Assets per employee ($millions) | 14.7406% | 111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9118% | 6,710 |
| Loan loss allowance to noncurrent loans | 118.1818% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 0.2301% | 6,938 |
| Noncurrent loans to loans | 0.7715% | 5,756 |
| Net loans and leases to total assets | 29.5511% | 7,817 |
| Net loans and leases to deposits | 41.4433% | 7,686 |
| Net loans and leases to core deposits | 51.8022% | 7,649 |
| Total domestic deposits to total assets | 71.3048% | 7,303 |
| Equity capital to assets | 13.1666% | 1,634 |
| Core capital (leverage) ratio | 11.9305% | 1,833 |
| Tier 1 risk-based capital ratio | 31.4561% | 494 |
| Total risk-based capital ratio | 32.1725% | 505 |
| Memoranda: | ||
| Average total assets | $173,131,250 | 3,574 |
| Average earning assets | $168,860,500 | 3,391 |
| Average equity | $21,525,500 | 3,027 |
| Average total loans | $52,968,250 | 5,597 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5019% | 4,618 |
| Cost of funding earning assets | 2.5136% | 1,565 |
| Net interest margin | 2.9884% | 6,585 |
| Noninterest income to average assets | 0.0547% | 7,717 |
| Noninterest expense to average assets | 0.7145% | 8,155 |
| Loan and lease loss provision to assets | 0.1105% | 6,046 |
| Net operating income to assets | 1.7298% | 533 |
| Return on assets (ROA) | 1.7873% | 515 |
| Pretax return on assets | 2.2155% | 350 |
| Return on Equity (ROE) | 14.6724% | 877 |
| Retained earnings to average equity (ytd only) | 14.6724% | 220 |
| Net charge-offs to loans | -0.0189% | 7,686 |
| Credit loss provision to net charge-offs | -1,900.0000% | 7,171 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.0596% | 8,129 |
| Assets per employee ($millions) | 14.7329% | 106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8472% | 6,990 |
| Loan loss allowance to noncurrent loans | 180.4878% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.1391% | 7,216 |
| Noncurrent loans to loans | 0.4694% | 6,353 |
| Net loans and leases to total assets | 29.3934% | 7,903 |
| Net loans and leases to deposits | 41.3285% | 7,777 |
| Net loans and leases to core deposits | 51.6848% | 7,720 |
| Total domestic deposits to total assets | 71.1214% | 7,348 |
| Equity capital to assets | 12.3261% | 2,013 |
| Core capital (leverage) ratio | 11.7357% | 1,960 |
| Tier 1 risk-based capital ratio | 30.8775% | 545 |
| Total risk-based capital ratio | 31.5481% | 572 |
| Memoranda: | ||
| Average total assets | $171,879,330 | 3,606 |
| Average earning assets | $167,650,330 | 3,435 |
| Average equity | $20,937,330 | 3,111 |
| Average total loans | $53,040,000 | 5,637 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4624% | 5,109 |
| Cost of funding earning assets | 2.6392% | 1,454 |
| Net interest margin | 2.8232% | 6,946 |
| Noninterest income to average assets | 0.0472% | 7,851 |
| Noninterest expense to average assets | 0.7107% | 8,206 |
| Loan and lease loss provision to assets | 0.0826% | 5,903 |
| Net operating income to assets | 1.6432% | 731 |
| Return on assets (ROA) | 1.6432% | 801 |
| Pretax return on assets | 2.0068% | 661 |
| Return on Equity (ROE) | 13.5739% | 1,252 |
| Retained earnings to average equity (ytd only) | 13.5739% | 557 |
| Net charge-offs to loans | -0.0300% | 7,553 |
| Credit loss provision to net charge-offs | -875.0000% | 6,501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.3794% | 8,168 |
| Assets per employee ($millions) | 14.2348% | 120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7143% | 7,399 |
| Loan loss allowance to noncurrent loans | 146.1832% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 0.1534% | 7,106 |
| Noncurrent loans to loans | 0.4887% | 6,211 |
| Net loans and leases to total assets | 31.1636% | 7,888 |
| Net loans and leases to deposits | 41.8183% | 7,789 |
| Net loans and leases to core deposits | 51.9854% | 7,733 |
| Total domestic deposits to total assets | 74.5214% | 6,801 |
| Equity capital to assets | 12.3974% | 2,032 |
| Core capital (leverage) ratio | 11.5374% | 2,122 |
| Tier 1 risk-based capital ratio | 30.8715% | 588 |
| Total risk-based capital ratio | 31.4746% | 600 |
| Memoranda: | ||
| Average total assets | $169,421,500 | 3,661 |
| Average earning assets | $165,203,000 | 3,488 |
| Average equity | $20,510,000 | 3,186 |
| Average total loans | $53,355,000 | 5,660 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5394% | 7,208 |
| Cost of funding earning assets | 3.1749% | 1,272 |
| Net interest margin | 2.3645% | 7,877 |
| Noninterest income to average assets | 0.0480% | 7,900 |
| Noninterest expense to average assets | 0.7169% | 8,240 |
| Loan and lease loss provision to assets | 0.0790% | 6,407 |
| Net operating income to assets | 1.2859% | 1,526 |
| Return on assets (ROA) | 1.2854% | 1,477 |
| Pretax return on assets | 1.5559% | 1,521 |
| Return on Equity (ROE) | 11.0114% | 1,901 |
| Retained earnings to average equity (ytd only) | 9.8395% | 475 |
| Net charge-offs to loans | 0.1820% | 4,371 |
| Credit loss provision to net charge-offs | 138.2979% | 3,845 |
| Earnings coverage of net charge-offs (x) | 28.6170% | 1,208 |
| Efficiency ratio | 30.4730% | 8,232 |
| Assets per employee ($millions) | 15.2750% | 107 |
| Cash dividends to net income (ytd only)* | 10.6433% | 4,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6479% | 7,551 |
| Loan loss allowance to noncurrent loans | 121.1268% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 0.1690% | 6,891 |
| Noncurrent loans to loans | 0.5349% | 5,753 |
| Net loans and leases to total assets | 31.3941% | 7,960 |
| Net loans and leases to deposits | 43.7810% | 7,857 |
| Net loans and leases to core deposits | 55.1709% | 7,760 |
| Total domestic deposits to total assets | 71.7072% | 7,052 |
| Equity capital to assets | 11.8096% | 2,421 |
| Core capital (leverage) ratio | 11.4720% | 2,270 |
| Tier 1 risk-based capital ratio | 30.3806% | 617 |
| Total risk-based capital ratio | 30.9334% | 638 |
| Memoranda: | ||
| Average total assets | $164,468,600 | 3,639 |
| Average earning assets | $160,289,400 | 3,469 |
| Average equity | $19,198,200 | 3,364 |
| Average total loans | $51,639,000 | 5,637 |