Home > Teutopolis State Bank > Performance and Condition Ratios
Teutopolis State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7277% | 4,250 |
| Cost of funding earning assets | 0.8212% | 3,678 |
| Net interest margin | 2.9065% | 3,471 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 1.4494% | 4,358 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.2189% | 1,606 |
| Return on assets (ROA) | 1.2250% | 1,569 |
| Pretax return on assets | 1.6290% | 1,182 |
| Return on Equity (ROE) | 11.7600% | 2,018 |
| Retained earnings to average equity (ytd only) | 7.6755% | 1,641 |
| Net charge-offs to loans | 0.0061% | 2,472 |
| Credit loss provision to net charge-offs | 1,000.0000% | 406 |
| Earnings coverage of net charge-offs (x) | 530.9000% | 277 |
| Efficiency ratio | 46.7289% | 4,162 |
| Assets per employee ($millions) | 8.6552% | 1,128 |
| Cash dividends to net income (ytd only)* | 34.7561% | 2,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2697% | 1,921 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 51.0200% | 3,539 |
| Net loans and leases to deposits | 57.3515% | 3,656 |
| Net loans and leases to core deposits | 60.4026% | 3,749 |
| Total domestic deposits to total assets | 88.9600% | 1,079 |
| Equity capital to assets | 10.7869% | 1,592 |
| Core capital (leverage) ratio | 13.1608% | 1,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $321,300,000 | 2,310 |
| Average earning assets | $304,797,400 | 2,279 |
| Average equity | $33,457,000 | 2,119 |
| Average total loans | $163,974,200 | 2,565 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6889% | 4,220 |
| Cost of funding earning assets | 0.7504% | 3,651 |
| Net interest margin | 2.9385% | 3,459 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 1.3884% | 4,406 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3050% | 1,539 |
| Return on assets (ROA) | 1.3099% | 1,509 |
| Pretax return on assets | 1.7553% | 1,074 |
| Return on Equity (ROE) | 12.7000% | 1,957 |
| Retained earnings to average equity (ytd only) | 12.6970% | 856 |
| Net charge-offs to loans | 0.0057% | 2,245 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 598.5714% | 260 |
| Efficiency ratio | 44.2523% | 4,214 |
| Assets per employee ($millions) | 8.9898% | 938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2400% | 2,169 |
| Loan loss allowance to noncurrent loans | 103,100.0000% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 3,881 |
| Noncurrent loans to loans | 0.0012% | 3,824 |
| Net loans and leases to total assets | 52.2000% | 3,484 |
| Net loans and leases to deposits | 58.5432% | 3,581 |
| Net loans and leases to core deposits | 61.0342% | 3,655 |
| Total domestic deposits to total assets | 89.1600% | 1,199 |
| Equity capital to assets | 10.6305% | 1,497 |
| Core capital (leverage) ratio | 13.6269% | 894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $319,400,250 | 2,323 |
| Average earning assets | $302,957,750 | 2,289 |
| Average equity | $32,951,750 | 2,130 |
| Average total loans | $162,478,500 | 2,587 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6209% | 4,233 |
| Cost of funding earning assets | 0.6955% | 3,502 |
| Net interest margin | 2.9253% | 3,600 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 1.3633% | 4,441 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3243% | 1,504 |
| Return on assets (ROA) | 1.3321% | 1,472 |
| Pretax return on assets | 1.7752% | 1,060 |
| Return on Equity (ROE) | 13.0400% | 1,893 |
| Retained earnings to average equity (ytd only) | 13.0420% | 803 |
| Net charge-offs to loans | 0.0087% | 1,879 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 404.7143% | 357 |
| Efficiency ratio | 43.5770% | 4,270 |
| Assets per employee ($millions) | 8.7501% | 983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2328% | 2,268 |
| Loan loss allowance to noncurrent loans | 1,717.5000% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.0371% | 3,409 |
| Noncurrent loans to loans | 0.0718% | 3,186 |
| Net loans and leases to total assets | 51.0000% | 3,490 |
| Net loans and leases to deposits | 56.9923% | 3,589 |
| Net loans and leases to core deposits | 59.0124% | 3,679 |
| Total domestic deposits to total assets | 89.4900% | 1,083 |
| Equity capital to assets | 10.3428% | 1,662 |
| Core capital (leverage) ratio | 13.0516% | 1,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $320,986,333 | 2,322 |
| Average earning assets | $304,512,667 | 2,283 |
| Average equity | $32,786,333 | 2,149 |
| Average total loans | $161,207,667 | 2,590 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5685% | 4,191 |
| Cost of funding earning assets | 0.6421% | 3,253 |
| Net interest margin | 2.9264% | 3,745 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 1.3304% | 4,519 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3529% | 1,538 |
| Return on assets (ROA) | 1.3529% | 1,509 |
| Pretax return on assets | 1.7797% | 1,108 |
| Return on Equity (ROE) | 13.3300% | 1,919 |
| Retained earnings to average equity (ytd only) | 13.3305% | 1,039 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 42.7767% | 4,352 |
| Assets per employee ($millions) | 8.0405% | 1,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3053% | 2,011 |
| Loan loss allowance to noncurrent loans | 2,405.8140% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.0267% | 3,518 |
| Noncurrent loans to loans | 0.0543% | 3,349 |
| Net loans and leases to total assets | 48.6400% | 3,588 |
| Net loans and leases to deposits | 54.4781% | 3,653 |
| Net loans and leases to core deposits | 55.8021% | 3,752 |
| Total domestic deposits to total assets | 89.2900% | 1,424 |
| Equity capital to assets | 10.4810% | 1,573 |
| Core capital (leverage) ratio | 12.7599% | 1,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $319,603,000 | 2,363 |
| Average earning assets | $302,760,500 | 2,329 |
| Average equity | $32,437,000 | 2,191 |
| Average total loans | $158,220,000 | 2,640 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8654% | 4,273 |
| Cost of funding earning assets | 0.3147% | 2,757 |
| Net interest margin | 2.5507% | 4,232 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 1.3848% | 4,516 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.0509% | 2,371 |
| Return on assets (ROA) | 1.0539% | 2,309 |
| Pretax return on assets | 1.3923% | 1,792 |
| Return on Equity (ROE) | 9.9800% | 2,813 |
| Retained earnings to average equity (ytd only) | 6.0984% | 2,608 |
| Net charge-offs to loans | -0.0122% | 3,893 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 49.3732% | 4,166 |
| Assets per employee ($millions) | 7.9397% | 1,351 |
| Cash dividends to net income (ytd only)* | 38.8740% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3101% | 1,852 |
| Loan loss allowance to noncurrent loans | 14,778.5714% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 3,884 |
| Noncurrent loans to loans | 0.0089% | 3,793 |
| Net loans and leases to total assets | 49.0800% | 3,577 |
| Net loans and leases to deposits | 54.4983% | 3,652 |
| Net loans and leases to core deposits | 55.7464% | 3,729 |
| Total domestic deposits to total assets | 90.0500% | 1,342 |
| Equity capital to assets | 9.8131% | 1,815 |
| Core capital (leverage) ratio | 12.5177% | 1,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $318,529,600 | 2,363 |
| Average earning assets | $303,450,400 | 2,320 |
| Average equity | $33,648,400 | 2,174 |
| Average total loans | $147,958,800 | 2,651 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7401% | 4,256 |
| Cost of funding earning assets | 0.2718% | 2,471 |
| Net interest margin | 2.4683% | 4,237 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 1.2866% | 4,585 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0989% | 2,105 |
| Return on assets (ROA) | 1.1038% | 2,042 |
| Pretax return on assets | 1.4598% | 1,528 |
| Return on Equity (ROE) | 10.2700% | 2,641 |
| Retained earnings to average equity (ytd only) | 10.2675% | 1,269 |
| Net charge-offs to loans | 0.0009% | 2,292 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 3,475.0000% | 33 |
| Efficiency ratio | 46.9547% | 4,331 |
| Assets per employee ($millions) | 8.3145% | 1,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2801% | 2,126 |
| Loan loss allowance to noncurrent loans | 706.5217% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 0.0874% | 3,057 |
| Noncurrent loans to loans | 0.1812% | 2,683 |
| Net loans and leases to total assets | 47.6000% | 3,663 |
| Net loans and leases to deposits | 52.8156% | 3,676 |
| Net loans and leases to core deposits | 53.7462% | 3,765 |
| Total domestic deposits to total assets | 90.1200% | 1,607 |
| Equity capital to assets | 9.7775% | 1,739 |
| Core capital (leverage) ratio | 12.6495% | 1,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $318,765,250 | 2,376 |
| Average earning assets | $304,164,250 | 2,331 |
| Average equity | $34,269,250 | 2,176 |
| Average total loans | $145,465,750 | 2,680 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5538% | 4,326 |
| Cost of funding earning assets | 0.2670% | 2,062 |
| Net interest margin | 2.2868% | 4,345 |
| Noninterest income to average assets | 0.3904% | 2,815 |
| Noninterest expense to average assets | 1.2856% | 4,598 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9766% | 2,240 |
| Return on assets (ROA) | 0.9840% | 2,186 |
| Pretax return on assets | 1.3006% | 1,749 |
| Return on Equity (ROE) | 8.8883% | 2,734 |
| Retained earnings to average equity (ytd only) | 8.8883% | 1,321 |
| Net charge-offs to loans | 0.0014% | 2,085 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 2,064.0000% | 45 |
| Efficiency ratio | 49.8908% | 4,254 |
| Assets per employee ($millions) | 8.4377% | 1,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3459% | 1,974 |
| Loan loss allowance to noncurrent loans | 65,000.0000% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 4,074 |
| Noncurrent loans to loans | 0.0021% | 4,003 |
| Net loans and leases to total assets | 44.5781% | 3,792 |
| Net loans and leases to deposits | 49.7400% | 3,819 |
| Net loans and leases to core deposits | 50.5997% | 3,905 |
| Total domestic deposits to total assets | 89.6221% | 1,890 |
| Equity capital to assets | 10.2765% | 1,549 |
| Core capital (leverage) ratio | 12.1858% | 1,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $319,703,667 | 2,386 |
| Average earning assets | $305,663,333 | 2,346 |
| Average equity | $35,395,000 | 2,183 |
| Average total loans | $143,176,000 | 2,717 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4575% | 4,324 |
| Cost of funding earning assets | 0.2713% | 1,917 |
| Net interest margin | 2.1862% | 4,365 |
| Noninterest income to average assets | 0.3784% | 2,822 |
| Noninterest expense to average assets | 1.2755% | 4,633 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8802% | 2,363 |
| Return on assets (ROA) | 0.9059% | 2,252 |
| Pretax return on assets | 1.2254% | 1,715 |
| Return on Equity (ROE) | 7.8979% | 2,724 |
| Retained earnings to average equity (ytd only) | 7.8979% | 1,615 |
| Net charge-offs to loans | 0.0028% | 1,686 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 952.0000% | 88 |
| Efficiency ratio | 51.6751% | 4,215 |
| Assets per employee ($millions) | 8.3724% | 1,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3704% | 2,028 |
| Loan loss allowance to noncurrent loans | 1,266.2338% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.0472% | 3,566 |
| Noncurrent loans to loans | 0.1082% | 3,299 |
| Net loans and leases to total assets | 42.9827% | 3,821 |
| Net loans and leases to deposits | 48.2266% | 3,855 |
| Net loans and leases to core deposits | 49.0484% | 3,924 |
| Total domestic deposits to total assets | 89.1266% | 2,017 |
| Equity capital to assets | 10.7288% | 1,477 |
| Core capital (leverage) ratio | 12.0969% | 1,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $319,239,000 | 2,399 |
| Average earning assets | $305,184,000 | 2,362 |
| Average equity | $36,617,500 | 2,190 |
| Average total loans | $142,323,000 | 2,727 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8666% | 4,109 |
| Cost of funding earning assets | 0.3057% | 2,354 |
| Net interest margin | 2.5609% | 4,107 |
| Noninterest income to average assets | 0.7224% | 1,684 |
| Noninterest expense to average assets | 1.3859% | 4,631 |
| Loan and lease loss provision to assets | 0.0650% | 1,761 |
| Net operating income to assets | 1.2801% | 1,661 |
| Return on assets (ROA) | 1.2868% | 1,694 |
| Pretax return on assets | 1.7260% | 1,082 |
| Return on Equity (ROE) | 10.3144% | 2,409 |
| Retained earnings to average equity (ytd only) | 6.9918% | 1,920 |
| Net charge-offs to loans | 0.0144% | 2,028 |
| Credit loss provision to net charge-offs | 952.3810% | 552 |
| Earnings coverage of net charge-offs (x) | 261.0952% | 450 |
| Efficiency ratio | 43.7410% | 4,580 |
| Assets per employee ($millions) | 7.9989% | 1,334 |
| Cash dividends to net income (ytd only)* | 32.2132% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3699% | 2,047 |
| Loan loss allowance to noncurrent loans | 195,000.0000% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.0003% | 4,218 |
| Noncurrent loans to loans | 0.0007% | 4,135 |
| Net loans and leases to total assets | 45.0057% | 3,765 |
| Net loans and leases to deposits | 51.3413% | 3,779 |
| Net loans and leases to core deposits | 52.2656% | 3,874 |
| Total domestic deposits to total assets | 87.6598% | 2,218 |
| Equity capital to assets | 12.2463% | 1,152 |
| Core capital (leverage) ratio | 11.8513% | 1,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $307,592,000 | 2,401 |
| Average earning assets | $293,797,600 | 2,363 |
| Average equity | $38,373,400 | 2,143 |
| Average total loans | $145,350,400 | 2,672 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9612% | 4,069 |
| Cost of funding earning assets | 0.3111% | 2,486 |
| Net interest margin | 2.6501% | 4,058 |
| Noninterest income to average assets | 0.8239% | 1,459 |
| Noninterest expense to average assets | 1.2881% | 4,759 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5370% | 1,176 |
| Return on assets (ROA) | 1.5408% | 1,216 |
| Pretax return on assets | 2.0715% | 707 |
| Return on Equity (ROE) | 12.2932% | 1,942 |
| Retained earnings to average equity (ytd only) | 12.2932% | 777 |
| Net charge-offs to loans | 0.0183% | 1,690 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 237.5500% | 501 |
| Efficiency ratio | 38.3947% | 4,758 |
| Assets per employee ($millions) | 8.8875% | 927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2409% | 2,791 |
| Loan loss allowance to noncurrent loans | 1,924.1758% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.0293% | 3,980 |
| Noncurrent loans to loans | 0.0645% | 3,771 |
| Net loans and leases to total assets | 44.8001% | 3,884 |
| Net loans and leases to deposits | 51.4852% | 3,919 |
| Net loans and leases to core deposits | 52.4715% | 4,014 |
| Total domestic deposits to total assets | 87.0155% | 2,348 |
| Equity capital to assets | 12.8418% | 1,036 |
| Core capital (leverage) ratio | 12.4943% | 978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $306,501,000 | 2,433 |
| Average earning assets | $292,711,000 | 2,390 |
| Average equity | $38,416,000 | 2,165 |
| Average total loans | $146,101,000 | 2,708 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9547% | 4,132 |
| Cost of funding earning assets | 0.3212% | 2,576 |
| Net interest margin | 2.6335% | 4,109 |
| Noninterest income to average assets | 0.9955% | 1,079 |
| Noninterest expense to average assets | 1.2965% | 4,791 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6659% | 930 |
| Return on assets (ROA) | 1.6716% | 967 |
| Pretax return on assets | 2.2224% | 554 |
| Return on Equity (ROE) | 13.4491% | 1,582 |
| Retained earnings to average equity (ytd only) | 13.4491% | 646 |
| Net charge-offs to loans | 0.0271% | 1,411 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 168.9000% | 552 |
| Efficiency ratio | 36.9188% | 4,818 |
| Assets per employee ($millions) | 8.4029% | 1,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2020% | 2,925 |
| Loan loss allowance to noncurrent loans | 1,326.5152% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.0413% | 3,976 |
| Noncurrent loans to loans | 0.0906% | 3,723 |
| Net loans and leases to total assets | 45.0736% | 3,968 |
| Net loans and leases to deposits | 51.5018% | 4,021 |
| Net loans and leases to core deposits | 52.3133% | 4,115 |
| Total domestic deposits to total assets | 87.5184% | 2,086 |
| Equity capital to assets | 12.1975% | 1,274 |
| Core capital (leverage) ratio | 12.0283% | 1,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0009% | 482 |
| Memoranda: | ||
| Average total assets | $304,980,667 | 2,433 |
| Average earning assets | $291,397,667 | 2,390 |
| Average equity | $37,906,000 | 2,181 |
| Average total loans | $147,765,667 | 2,708 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9165% | 4,232 |
| Cost of funding earning assets | 0.3357% | 2,661 |
| Net interest margin | 2.5809% | 4,183 |
| Noninterest income to average assets | 1.2921% | 760 |
| Noninterest expense to average assets | 1.3042% | 4,818 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.7622% | 843 |
| Return on assets (ROA) | 1.7622% | 895 |
| Pretax return on assets | 2.4458% | 480 |
| Return on Equity (ROE) | 14.0377% | 1,424 |
| Retained earnings to average equity (ytd only) | 14.0377% | 753 |
| Net charge-offs to loans | 0.0914% | 737 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 53.5588% | 868 |
| Efficiency ratio | 34.7779% | 4,863 |
| Assets per employee ($millions) | 8.4258% | 1,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1686% | 3,101 |
| Loan loss allowance to noncurrent loans | 1,040.1198% | 648 |
| Noncurrent assets plus other real estate owned to assets | 0.0536% | 3,993 |
| Noncurrent loans to loans | 0.1124% | 3,745 |
| Net loans and leases to total assets | 47.1213% | 3,883 |
| Net loans and leases to deposits | 53.9321% | 3,941 |
| Net loans and leases to core deposits | 54.8674% | 4,058 |
| Total domestic deposits to total assets | 87.3714% | 2,149 |
| Equity capital to assets | 12.1506% | 1,222 |
| Core capital (leverage) ratio | 12.4360% | 1,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $297,815,500 | 2,448 |
| Average earning assets | $283,623,000 | 2,424 |
| Average equity | $37,385,000 | 2,186 |
| Average total loans | $148,810,500 | 2,705 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6777% | 3,635 |
| Cost of funding earning assets | 0.5214% | 2,805 |
| Net interest margin | 3.1563% | 3,477 |
| Noninterest income to average assets | 0.3827% | 3,196 |
| Noninterest expense to average assets | 1.5524% | 4,741 |
| Loan and lease loss provision to assets | 0.0742% | 3,453 |
| Net operating income to assets | 1.3030% | 1,240 |
| Return on assets (ROA) | 1.3147% | 1,307 |
| Pretax return on assets | 1.7679% | 734 |
| Return on Equity (ROE) | 9.8553% | 2,057 |
| Retained earnings to average equity (ytd only) | 6.4358% | 1,614 |
| Net charge-offs to loans | -0.0046% | 4,109 |
| Credit loss provision to net charge-offs | -2,857.1429% | 4,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9344% | 4,720 |
| Assets per employee ($millions) | 7.0970% | 1,515 |
| Cash dividends to net income (ytd only)* | 34.6968% | 2,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1887% | 3,002 |
| Loan loss allowance to noncurrent loans | 602.3810% | 988 |
| Noncurrent assets plus other real estate owned to assets | 0.1036% | 3,788 |
| Noncurrent loans to loans | 0.1973% | 3,499 |
| Net loans and leases to total assets | 51.8571% | 3,674 |
| Net loans and leases to deposits | 59.7488% | 3,785 |
| Net loans and leases to core deposits | 60.9156% | 3,892 |
| Total domestic deposits to total assets | 86.7919% | 2,040 |
| Equity capital to assets | 12.9950% | 1,087 |
| Core capital (leverage) ratio | 12.3830% | 1,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $269,642,400 | 2,465 |
| Average earning assets | $256,031,000 | 2,433 |
| Average equity | $35,970,600 | 2,177 |
| Average total loans | $152,976,800 | 2,636 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9522% | 3,104 |
| Cost of funding earning assets | 0.5702% | 2,803 |
| Net interest margin | 3.3820% | 2,975 |
| Noninterest income to average assets | 0.4079% | 3,039 |
| Noninterest expense to average assets | 1.4727% | 4,827 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.5791% | 768 |
| Return on assets (ROA) | 1.5929% | 812 |
| Pretax return on assets | 2.1657% | 363 |
| Return on Equity (ROE) | 11.8592% | 1,413 |
| Retained earnings to average equity (ytd only) | 11.8592% | 447 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.6726% | 4,880 |
| Assets per employee ($millions) | 6.7779% | 1,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9991% | 3,710 |
| Loan loss allowance to noncurrent loans | 3,554.5455% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.0158% | 4,404 |
| Noncurrent loans to loans | 0.0281% | 4,296 |
| Net loans and leases to total assets | 55.7689% | 3,646 |
| Net loans and leases to deposits | 64.7175% | 3,735 |
| Net loans and leases to core deposits | 66.0190% | 3,888 |
| Total domestic deposits to total assets | 86.1728% | 1,990 |
| Equity capital to assets | 13.6149% | 970 |
| Core capital (leverage) ratio | 13.2485% | 889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $266,083,500 | 2,463 |
| Average earning assets | $252,784,250 | 2,431 |
| Average equity | $35,740,750 | 2,175 |
| Average total loans | $153,975,500 | 2,632 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2008% | 2,760 |
| Cost of funding earning assets | 0.6262% | 2,830 |
| Net interest margin | 3.5746% | 2,563 |
| Noninterest income to average assets | 0.3342% | 3,468 |
| Noninterest expense to average assets | 1.4694% | 4,869 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.6642% | 662 |
| Return on assets (ROA) | 1.6853% | 694 |
| Pretax return on assets | 2.2842% | 311 |
| Return on Equity (ROE) | 12.6075% | 1,193 |
| Retained earnings to average equity (ytd only) | 12.6075% | 393 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.4268% | 4,927 |
| Assets per employee ($millions) | 6.5108% | 1,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9757% | 3,682 |
| Loan loss allowance to noncurrent loans | 156,400.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 4,601 |
| Noncurrent loans to loans | 0.0006% | 4,533 |
| Net loans and leases to total assets | 58.0460% | 3,508 |
| Net loans and leases to deposits | 67.1902% | 3,630 |
| Net loans and leases to core deposits | 68.4588% | 3,832 |
| Total domestic deposits to total assets | 86.3907% | 1,848 |
| Equity capital to assets | 13.3958% | 1,007 |
| Core capital (leverage) ratio | 13.3990% | 904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $262,146,333 | 2,466 |
| Average earning assets | $248,812,000 | 2,430 |
| Average equity | $35,042,667 | 2,202 |
| Average total loans | $153,119,667 | 2,630 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7941% | 4,246 |
| Cost of funding earning assets | 0.6819% | 3,007 |
| Net interest margin | 3.1122% | 4,067 |
| Noninterest income to average assets | 0.3509% | 3,420 |
| Noninterest expense to average assets | 1.5034% | 4,922 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3412% | 1,127 |
| Return on assets (ROA) | 1.3942% | 1,078 |
| Pretax return on assets | 1.8683% | 604 |
| Return on Equity (ROE) | 10.4413% | 1,600 |
| Retained earnings to average equity (ytd only) | 10.4413% | 656 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4932% | 4,845 |
| Assets per employee ($millions) | 6.8112% | 1,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0446% | 3,473 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 58.7880% | 3,611 |
| Net loans and leases to deposits | 68.5039% | 3,694 |
| Net loans and leases to core deposits | 70.0177% | 3,877 |
| Total domestic deposits to total assets | 85.8171% | 2,078 |
| Equity capital to assets | 13.8921% | 1,098 |
| Core capital (leverage) ratio | 13.3956% | 1,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $256,493,500 | 2,455 |
| Average earning assets | $243,432,500 | 2,421 |
| Average equity | $34,248,500 | 2,233 |
| Average total loans | $149,533,500 | 2,643 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9880% | 4,289 |
| Cost of funding earning assets | 0.7219% | 3,060 |
| Net interest margin | 3.2660% | 4,053 |
| Noninterest income to average assets | 0.3628% | 3,532 |
| Noninterest expense to average assets | 1.5428% | 4,983 |
| Loan and lease loss provision to assets | 0.0616% | 2,806 |
| Net operating income to assets | 1.3780% | 1,425 |
| Return on assets (ROA) | 1.3864% | 1,469 |
| Pretax return on assets | 1.8346% | 866 |
| Return on Equity (ROE) | 10.3748% | 2,131 |
| Retained earnings to average equity (ytd only) | 6.6893% | 1,529 |
| Net charge-offs to loans | 0.0200% | 3,021 |
| Credit loss provision to net charge-offs | 517.2414% | 562 |
| Earnings coverage of net charge-offs (x) | 158.4138% | 476 |
| Efficiency ratio | 45.0018% | 4,944 |
| Assets per employee ($millions) | 6.8677% | 1,095 |
| Cash dividends to net income (ytd only)* | 35.5240% | 2,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0472% | 3,235 |
| Loan loss allowance to noncurrent loans | 6,516.6667% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.0092% | 4,626 |
| Noncurrent loans to loans | 0.0161% | 4,512 |
| Net loans and leases to total assets | 56.6285% | 3,876 |
| Net loans and leases to deposits | 65.1009% | 3,998 |
| Net loans and leases to core deposits | 66.4620% | 4,168 |
| Total domestic deposits to total assets | 86.9856% | 1,615 |
| Equity capital to assets | 12.8316% | 1,619 |
| Core capital (leverage) ratio | 12.9826% | 1,240 |
| Tier 1 risk-based capital ratio | 19.4610% | 1,421 |
| Total risk-based capital ratio | 20.3896% | 1,459 |
| Memoranda: | ||
| Average total assets | $243,648,800 | 2,504 |
| Average earning assets | $228,688,000 | 2,475 |
| Average equity | $32,559,600 | 2,270 |
| Average total loans | $145,227,400 | 2,662 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0508% | 4,255 |
| Cost of funding earning assets | 0.7259% | 3,088 |
| Net interest margin | 3.3249% | 4,050 |
| Noninterest income to average assets | 0.3616% | 3,562 |
| Noninterest expense to average assets | 1.5093% | 5,063 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4661% | 1,285 |
| Return on assets (ROA) | 1.4775% | 1,310 |
| Pretax return on assets | 1.9800% | 719 |
| Return on Equity (ROE) | 10.9377% | 2,039 |
| Retained earnings to average equity (ytd only) | 10.9377% | 538 |
| Net charge-offs to loans | 0.0028% | 3,329 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 1,175.9700% | 72 |
| Efficiency ratio | 43.4343% | 5,035 |
| Assets per employee ($millions) | 6.3201% | 1,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9730% | 3,717 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 59.4615% | 3,729 |
| Net loans and leases to deposits | 69.1397% | 3,828 |
| Net loans and leases to core deposits | 70.8753% | 4,007 |
| Total domestic deposits to total assets | 86.0019% | 1,995 |
| Equity capital to assets | 13.8054% | 1,230 |
| Core capital (leverage) ratio | 13.7900% | 1,040 |
| Tier 1 risk-based capital ratio | 20.1835% | 1,338 |
| Total risk-based capital ratio | 21.0558% | 1,363 |
| Memoranda: | ||
| Average total assets | $239,317,750 | 2,548 |
| Average earning assets | $224,082,000 | 2,527 |
| Average equity | $32,327,750 | 2,294 |
| Average total loans | $144,197,000 | 2,703 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0007% | 4,374 |
| Cost of funding earning assets | 0.7052% | 3,143 |
| Net interest margin | 3.2955% | 4,158 |
| Noninterest income to average assets | 0.3655% | 3,489 |
| Noninterest expense to average assets | 1.5296% | 5,106 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4236% | 1,368 |
| Return on assets (ROA) | 1.4409% | 1,368 |
| Pretax return on assets | 1.9466% | 758 |
| Return on Equity (ROE) | 10.7490% | 2,077 |
| Retained earnings to average equity (ytd only) | 10.7490% | 591 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2815% | 5,058 |
| Assets per employee ($millions) | 6.1472% | 1,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9891% | 3,686 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 60.2529% | 3,708 |
| Net loans and leases to deposits | 70.0097% | 3,842 |
| Net loans and leases to core deposits | 71.8144% | 4,015 |
| Total domestic deposits to total assets | 86.0637% | 2,000 |
| Equity capital to assets | 13.7407% | 1,226 |
| Core capital (leverage) ratio | 13.7634% | 1,034 |
| Tier 1 risk-based capital ratio | 20.1766% | 1,316 |
| Total risk-based capital ratio | 21.0759% | 1,354 |
| Memoranda: | ||
| Average total assets | $236,929,000 | 2,576 |
| Average earning assets | $222,063,000 | 2,552 |
| Average equity | $31,761,000 | 2,322 |
| Average total loans | $142,928,330 | 2,731 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9639% | 4,447 |
| Cost of funding earning assets | 0.6755% | 3,174 |
| Net interest margin | 3.2884% | 4,187 |
| Noninterest income to average assets | 0.3431% | 3,570 |
| Noninterest expense to average assets | 1.4928% | 5,175 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4674% | 1,188 |
| Return on assets (ROA) | 1.4674% | 1,215 |
| Pretax return on assets | 1.9259% | 750 |
| Return on Equity (ROE) | 11.0874% | 1,913 |
| Retained earnings to average equity (ytd only) | 11.0874% | 783 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6662% | 5,111 |
| Assets per employee ($millions) | 5.8796% | 1,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0163% | 3,599 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 59.7592% | 3,734 |
| Net loans and leases to deposits | 69.3151% | 3,825 |
| Net loans and leases to core deposits | 71.0381% | 4,007 |
| Total domestic deposits to total assets | 86.2138% | 2,178 |
| Equity capital to assets | 13.5030% | 1,211 |
| Core capital (leverage) ratio | 13.5813% | 1,064 |
| Tier 1 risk-based capital ratio | 20.2860% | 1,286 |
| Total risk-based capital ratio | 21.2145% | 1,321 |
| Memoranda: | ||
| Average total assets | $235,523,000 | 2,602 |
| Average earning assets | $220,288,500 | 2,586 |
| Average equity | $31,170,500 | 2,346 |
| Average total loans | $141,445,500 | 2,781 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8275% | 4,428 |
| Cost of funding earning assets | 0.5039% | 3,320 |
| Net interest margin | 3.3236% | 4,198 |
| Noninterest income to average assets | 0.3425% | 3,824 |
| Noninterest expense to average assets | 1.6748% | 5,122 |
| Loan and lease loss provision to assets | 0.0656% | 2,840 |
| Net operating income to assets | 1.2974% | 1,814 |
| Return on assets (ROA) | 1.3092% | 1,741 |
| Pretax return on assets | 1.7356% | 1,080 |
| Return on Equity (ROE) | 9.9285% | 2,545 |
| Retained earnings to average equity (ytd only) | 6.0971% | 2,144 |
| Net charge-offs to loans | -0.0140% | 4,592 |
| Credit loss provision to net charge-offs | -750.0000% | 4,697 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3887% | 5,027 |
| Assets per employee ($millions) | 5.7527% | 1,715 |
| Cash dividends to net income (ytd only)* | 38.5900% | 2,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0241% | 3,533 |
| 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 | 59.1287% | 3,857 |
| Net loans and leases to deposits | 68.0603% | 3,974 |
| Net loans and leases to core deposits | 68.7410% | 4,193 |
| Total domestic deposits to total assets | 86.8770% | 1,838 |
| Equity capital to assets | 12.9628% | 1,361 |
| Core capital (leverage) ratio | 13.3479% | 1,129 |
| Tier 1 risk-based capital ratio | 19.8923% | 1,323 |
| Total risk-based capital ratio | 20.8287% | 1,358 |
| Memoranda: | ||
| Average total assets | $228,621,600 | 2,624 |
| Average earning assets | $214,528,600 | 2,604 |
| Average equity | $30,145,400 | 2,326 |
| Average total loans | $142,510,800 | 2,736 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7919% | 4,457 |
| Cost of funding earning assets | 0.4729% | 3,376 |
| Net interest margin | 3.3190% | 4,228 |
| Noninterest income to average assets | 0.3345% | 3,923 |
| Noninterest expense to average assets | 1.6101% | 5,199 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4121% | 1,447 |
| Return on assets (ROA) | 1.4279% | 1,392 |
| Pretax return on assets | 1.8676% | 864 |
| Return on Equity (ROE) | 10.7816% | 2,271 |
| Retained earnings to average equity (ytd only) | 10.7816% | 701 |
| Net charge-offs to loans | -0.0187% | 4,606 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5658% | 5,123 |
| Assets per employee ($millions) | 5.3550% | 2,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8773% | 4,350 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 64.9566% | 3,308 |
| Net loans and leases to deposits | 75.5156% | 3,452 |
| Net loans and leases to core deposits | 76.1525% | 3,792 |
| Total domestic deposits to total assets | 86.0175% | 2,180 |
| Equity capital to assets | 13.8109% | 1,020 |
| Core capital (leverage) ratio | 14.0193% | 932 |
| Tier 1 risk-based capital ratio | 19.4435% | 1,445 |
| Total risk-based capital ratio | 20.2522% | 1,504 |
| Memoranda: | ||
| Average total assets | $226,812,000 | 2,650 |
| Average earning assets | $213,429,500 | 2,625 |
| Average equity | $30,038,250 | 2,337 |
| Average total loans | $142,912,500 | 2,747 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7265% | 4,520 |
| Cost of funding earning assets | 0.4534% | 3,330 |
| Net interest margin | 3.2730% | 4,324 |
| Noninterest income to average assets | 0.3333% | 3,954 |
| Noninterest expense to average assets | 1.5670% | 5,295 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4308% | 1,338 |
| Return on assets (ROA) | 1.4544% | 1,264 |
| Pretax return on assets | 1.8809% | 812 |
| Return on Equity (ROE) | 11.1392% | 2,054 |
| Retained earnings to average equity (ytd only) | 11.1392% | 641 |
| Net charge-offs to loans | -0.0283% | 4,721 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8451% | 5,218 |
| Assets per employee ($millions) | 5.6908% | 1,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8909% | 4,375 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 63.1880% | 3,492 |
| Net loans and leases to deposits | 73.0314% | 3,627 |
| Net loans and leases to core deposits | 73.6355% | 3,900 |
| Total domestic deposits to total assets | 86.5217% | 2,045 |
| Equity capital to assets | 13.3233% | 1,173 |
| Core capital (leverage) ratio | 13.3863% | 1,105 |
| Tier 1 risk-based capital ratio | 19.5137% | 1,427 |
| Total risk-based capital ratio | 20.3459% | 1,495 |
| Memoranda: | ||
| Average total assets | $227,446,000 | 2,659 |
| Average earning assets | $214,359,000 | 2,630 |
| Average equity | $29,697,000 | 2,373 |
| Average total loans | $141,421,000 | 2,778 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6998% | 4,466 |
| Cost of funding earning assets | 0.4408% | 3,277 |
| Net interest margin | 3.2591% | 4,294 |
| Noninterest income to average assets | 0.3220% | 4,002 |
| Noninterest expense to average assets | 1.4796% | 5,410 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4374% | 1,234 |
| Return on assets (ROA) | 1.4374% | 1,239 |
| Pretax return on assets | 1.9124% | 700 |
| Return on Equity (ROE) | 11.1226% | 1,915 |
| Retained earnings to average equity (ytd only) | 11.1226% | 866 |
| Net charge-offs to loans | -0.0545% | 5,008 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6203% | 5,355 |
| Assets per employee ($millions) | 6.1575% | 1,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9291% | 4,311 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 60.5190% | 3,698 |
| Net loans and leases to deposits | 69.7675% | 3,808 |
| Net loans and leases to core deposits | 70.2506% | 4,071 |
| Total domestic deposits to total assets | 86.7438% | 2,223 |
| Equity capital to assets | 13.0196% | 1,230 |
| Core capital (leverage) ratio | 13.1468% | 1,123 |
| Tier 1 risk-based capital ratio | 19.5076% | 1,435 |
| Total risk-based capital ratio | 20.3623% | 1,485 |
| Memoranda: | ||
| Average total assets | $227,353,000 | 2,681 |
| Average earning assets | $214,171,500 | 2,657 |
| Average equity | $29,381,500 | 2,412 |
| Average total loans | $139,567,000 | 2,818 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5687% | 4,641 |
| Cost of funding earning assets | 0.4060% | 3,193 |
| Net interest margin | 3.1627% | 4,542 |
| Noninterest income to average assets | 0.3396% | 4,042 |
| Noninterest expense to average assets | 1.5210% | 5,467 |
| Loan and lease loss provision to assets | 0.0565% | 3,098 |
| Net operating income to assets | 1.1188% | 1,798 |
| Return on assets (ROA) | 1.1344% | 1,770 |
| Pretax return on assets | 1.7728% | 853 |
| Return on Equity (ROE) | 8.6564% | 2,472 |
| Retained earnings to average equity (ytd only) | 4.7750% | 2,273 |
| Net charge-offs to loans | 0.0188% | 3,474 |
| Credit loss provision to net charge-offs | 500.0000% | 612 |
| Earnings coverage of net charge-offs (x) | 159.6800% | 457 |
| Efficiency ratio | 45.7314% | 5,402 |
| Assets per employee ($millions) | 6.4825% | 1,218 |
| Cash dividends to net income (ytd only)* | 44.8386% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9095% | 4,424 |
| Loan loss allowance to noncurrent loans | 197.0588% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 0.2847% | 3,747 |
| Noncurrent loans to loans | 0.4616% | 3,127 |
| Net loans and leases to total assets | 61.1273% | 3,719 |
| Net loans and leases to deposits | 70.2413% | 3,847 |
| Net loans and leases to core deposits | 70.7274% | 4,128 |
| Total domestic deposits to total assets | 87.0248% | 1,986 |
| Equity capital to assets | 12.8205% | 1,348 |
| Core capital (leverage) ratio | 12.7060% | 1,262 |
| Tier 1 risk-based capital ratio | 18.8381% | 1,547 |
| Total risk-based capital ratio | 19.6741% | 1,628 |
| Memoranda: | ||
| Average total assets | $221,173,400 | 2,719 |
| Average earning assets | $208,843,400 | 2,679 |
| Average equity | $28,984,400 | 2,428 |
| Average total loans | $132,934,200 | 2,876 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5692% | 4,637 |
| Cost of funding earning assets | 0.4001% | 3,191 |
| Net interest margin | 3.1691% | 4,536 |
| Noninterest income to average assets | 0.3525% | 4,007 |
| Noninterest expense to average assets | 1.4380% | 5,561 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2753% | 1,417 |
| Return on assets (ROA) | 1.2972% | 1,380 |
| Pretax return on assets | 1.9416% | 619 |
| Return on Equity (ROE) | 9.8437% | 2,194 |
| Retained earnings to average equity (ytd only) | 9.8437% | 615 |
| Net charge-offs to loans | -0.0041% | 4,421 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9659% | 5,512 |
| Assets per employee ($millions) | 6.2969% | 1,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8580% | 4,727 |
| Loan loss allowance to noncurrent loans | 182.1981% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 0.2931% | 3,891 |
| Noncurrent loans to loans | 0.4709% | 3,282 |
| Net loans and leases to total assets | 61.7102% | 3,681 |
| Net loans and leases to deposits | 71.5722% | 3,819 |
| Net loans and leases to core deposits | 71.8846% | 4,140 |
| Total domestic deposits to total assets | 86.2210% | 2,224 |
| Equity capital to assets | 13.6325% | 1,108 |
| Core capital (leverage) ratio | 13.5912% | 991 |
| Tier 1 risk-based capital ratio | 19.7266% | 1,431 |
| Total risk-based capital ratio | 20.5141% | 1,484 |
| Memoranda: | ||
| Average total assets | $219,745,000 | 2,755 |
| Average earning assets | $207,622,750 | 2,711 |
| Average equity | $28,958,500 | 2,450 |
| Average total loans | $131,177,000 | 2,925 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5322% | 4,679 |
| Cost of funding earning assets | 0.3992% | 3,081 |
| Net interest margin | 3.1330% | 4,594 |
| Noninterest income to average assets | 0.3608% | 3,977 |
| Noninterest expense to average assets | 1.4704% | 5,590 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2293% | 1,506 |
| Return on assets (ROA) | 1.2618% | 1,427 |
| Pretax return on assets | 1.8995% | 653 |
| Return on Equity (ROE) | 9.6866% | 2,176 |
| Retained earnings to average equity (ytd only) | 9.6866% | 649 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2798% | 5,518 |
| Assets per employee ($millions) | 6.2211% | 1,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8780% | 4,722 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 60.8168% | 3,759 |
| Net loans and leases to deposits | 70.3848% | 3,882 |
| Net loans and leases to core deposits | 70.6937% | 4,183 |
| Total domestic deposits to total assets | 86.4062% | 2,195 |
| Equity capital to assets | 13.4528% | 1,165 |
| Core capital (leverage) ratio | 13.1587% | 1,116 |
| Tier 1 risk-based capital ratio | 19.8002% | 1,410 |
| Total risk-based capital ratio | 20.6090% | 1,455 |
| Memoranda: | ||
| Average total assets | $219,529,000 | 2,774 |
| Average earning assets | $207,407,330 | 2,729 |
| Average equity | $28,596,330 | 2,459 |
| Average total loans | $129,175,330 | 2,958 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5190% | 4,640 |
| Cost of funding earning assets | 0.3983% | 3,008 |
| Net interest margin | 3.1207% | 4,600 |
| Noninterest income to average assets | 0.3520% | 4,024 |
| Noninterest expense to average assets | 1.3828% | 5,700 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3792% | 1,037 |
| Return on assets (ROA) | 1.3792% | 1,073 |
| Pretax return on assets | 1.9127% | 606 |
| Return on Equity (ROE) | 10.7616% | 1,654 |
| Retained earnings to average equity (ytd only) | 10.7616% | 653 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.9604% | 5,653 |
| Assets per employee ($millions) | 6.2076% | 1,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9113% | 4,715 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 57.0736% | 4,055 |
| Net loans and leases to deposits | 65.6675% | 4,199 |
| Net loans and leases to core deposits | 65.9456% | 4,428 |
| Total domestic deposits to total assets | 86.9130% | 2,261 |
| Equity capital to assets | 12.8387% | 1,333 |
| Core capital (leverage) ratio | 12.6807% | 1,256 |
| Tier 1 risk-based capital ratio | 19.8604% | 1,419 |
| Total risk-based capital ratio | 20.6889% | 1,476 |
| Memoranda: | ||
| Average total assets | $220,424,000 | 2,788 |
| Average earning assets | $207,899,000 | 2,750 |
| Average equity | $28,248,500 | 2,496 |
| Average total loans | $126,965,500 | 3,009 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4056% | 4,968 |
| Cost of funding earning assets | 0.3948% | 3,045 |
| Net interest margin | 3.0108% | 4,939 |
| Noninterest income to average assets | 0.3526% | 4,206 |
| Noninterest expense to average assets | 1.5140% | 5,706 |
| Loan and lease loss provision to assets | 0.0471% | 3,448 |
| Net operating income to assets | 1.1192% | 1,820 |
| Return on assets (ROA) | 1.1355% | 1,841 |
| Pretax return on assets | 1.6479% | 1,142 |
| Return on Equity (ROE) | 8.6561% | 2,588 |
| Retained earnings to average equity (ytd only) | 4.6676% | 2,572 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5289% | 5,593 |
| Assets per employee ($millions) | 6.2108% | 1,326 |
| Cash dividends to net income (ytd only)* | 46.0772% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9368% | 4,627 |
| Loan loss allowance to noncurrent loans | 1,861.9048% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.0290% | 5,257 |
| Noncurrent loans to loans | 0.0503% | 5,046 |
| Net loans and leases to total assets | 57.0624% | 4,156 |
| Net loans and leases to deposits | 65.5455% | 4,286 |
| Net loans and leases to core deposits | 65.8301% | 4,535 |
| Total domestic deposits to total assets | 87.0576% | 2,116 |
| Equity capital to assets | 12.7902% | 1,355 |
| Core capital (leverage) ratio | 12.1891% | 1,479 |
| Tier 1 risk-based capital ratio | 19.4739% | 1,486 |
| Total risk-based capital ratio | 20.3088% | 1,545 |
| Memoranda: | ||
| Average total assets | $212,151,400 | 2,839 |
| Average earning assets | $199,613,400 | 2,797 |
| Average equity | $27,830,200 | 2,521 |
| Average total loans | $117,507,000 | 3,101 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4234% | 4,978 |
| Cost of funding earning assets | 0.3910% | 3,119 |
| Net interest margin | 3.0324% | 4,950 |
| Noninterest income to average assets | 0.3529% | 4,262 |
| Noninterest expense to average assets | 1.4329% | 5,805 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2046% | 1,629 |
| Return on assets (ROA) | 1.2261% | 1,633 |
| Pretax return on assets | 1.8060% | 893 |
| Return on Equity (ROE) | 9.2872% | 2,362 |
| Retained earnings to average equity (ytd only) | 9.2872% | 736 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6767% | 5,724 |
| Assets per employee ($millions) | 6.0774% | 1,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8892% | 4,909 |
| Loan loss allowance to noncurrent loans | 1,490.2778% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.0338% | 5,353 |
| Noncurrent loans to loans | 0.0597% | 5,119 |
| Net loans and leases to total assets | 56.2275% | 4,286 |
| Net loans and leases to deposits | 65.1979% | 4,407 |
| Net loans and leases to core deposits | 65.4889% | 4,643 |
| Total domestic deposits to total assets | 86.2413% | 2,243 |
| Equity capital to assets | 13.5852% | 1,201 |
| Core capital (leverage) ratio | 13.3439% | 1,050 |
| Tier 1 risk-based capital ratio | 20.3377% | 1,385 |
| Total risk-based capital ratio | 21.1134% | 1,438 |
| Memoranda: | ||
| Average total assets | $210,844,750 | 2,858 |
| Average earning assets | $198,473,500 | 2,819 |
| Average equity | $27,837,000 | 2,539 |
| Average total loans | $115,580,250 | 3,143 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3465% | 5,195 |
| Cost of funding earning assets | 0.3873% | 3,179 |
| Net interest margin | 2.9592% | 5,154 |
| Noninterest income to average assets | 0.3472% | 4,295 |
| Noninterest expense to average assets | 1.4356% | 5,886 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1412% | 1,804 |
| Return on assets (ROA) | 1.1730% | 1,791 |
| Pretax return on assets | 1.7429% | 995 |
| Return on Equity (ROE) | 8.9726% | 2,501 |
| Retained earnings to average equity (ytd only) | 8.9726% | 854 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8523% | 5,758 |
| Assets per employee ($millions) | 6.2119% | 1,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8957% | 4,971 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 56.2113% | 4,285 |
| Net loans and leases to deposits | 65.0082% | 4,417 |
| Net loans and leases to core deposits | 65.2993% | 4,660 |
| Total domestic deposits to total assets | 86.4680% | 2,185 |
| Equity capital to assets | 13.3502% | 1,304 |
| Core capital (leverage) ratio | 13.0251% | 1,137 |
| Tier 1 risk-based capital ratio | 19.9081% | 1,479 |
| Total risk-based capital ratio | 20.6870% | 1,546 |
| Memoranda: | ||
| Average total assets | $210,223,330 | 2,885 |
| Average earning assets | $197,756,000 | 2,846 |
| Average equity | $27,483,670 | 2,568 |
| Average total loans | $113,882,330 | 3,179 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3544% | 5,217 |
| Cost of funding earning assets | 0.3878% | 3,214 |
| Net interest margin | 2.9666% | 5,190 |
| Noninterest income to average assets | 0.3414% | 4,284 |
| Noninterest expense to average assets | 1.3789% | 5,968 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2549% | 1,395 |
| Return on assets (ROA) | 1.3236% | 1,283 |
| Pretax return on assets | 1.8442% | 777 |
| Return on Equity (ROE) | 10.2332% | 1,884 |
| Retained earnings to average equity (ytd only) | 10.2332% | 797 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0854% | 5,873 |
| Assets per employee ($millions) | 6.2285% | 1,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9643% | 4,782 |
| Loan loss allowance to noncurrent loans | 4,665.2174% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.0109% | 5,628 |
| Noncurrent loans to loans | 0.0207% | 5,422 |
| Net loans and leases to total assets | 52.0386% | 4,623 |
| Net loans and leases to deposits | 59.9923% | 4,719 |
| Net loans and leases to core deposits | 60.2583% | 4,922 |
| Total domestic deposits to total assets | 86.7421% | 2,332 |
| Equity capital to assets | 13.0053% | 1,405 |
| Core capital (leverage) ratio | 12.9590% | 1,174 |
| Tier 1 risk-based capital ratio | 20.9800% | 1,323 |
| Total risk-based capital ratio | 21.8156% | 1,370 |
| Memoranda: | ||
| Average total assets | $209,733,500 | 2,896 |
| Average earning assets | $196,994,000 | 2,857 |
| Average equity | $27,127,500 | 2,590 |
| Average total loans | $110,927,000 | 3,227 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2481% | 5,434 |
| Cost of funding earning assets | 0.3932% | 3,230 |
| Net interest margin | 2.8549% | 5,411 |
| Noninterest income to average assets | 0.3471% | 4,427 |
| Noninterest expense to average assets | 1.4549% | 6,003 |
| Loan and lease loss provision to assets | 0.0363% | 3,622 |
| Net operating income to assets | 1.0816% | 2,000 |
| Return on assets (ROA) | 1.0816% | 2,066 |
| Pretax return on assets | 1.5488% | 1,413 |
| Return on Equity (ROE) | 8.3828% | 2,767 |
| Retained earnings to average equity (ytd only) | 4.2740% | 2,932 |
| Net charge-offs to loans | 0.0181% | 3,923 |
| Credit loss provision to net charge-offs | 375.0000% | 794 |
| Earnings coverage of net charge-offs (x) | 163.7000% | 395 |
| Efficiency ratio | 47.8579% | 5,848 |
| Assets per employee ($millions) | 6.1099% | 1,315 |
| Cash dividends to net income (ytd only)* | 49.0152% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9703% | 4,766 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 52.7148% | 4,634 |
| Net loans and leases to deposits | 60.5995% | 4,729 |
| Net loans and leases to core deposits | 60.7829% | 4,937 |
| Total domestic deposits to total assets | 86.9887% | 2,149 |
| Equity capital to assets | 12.8611% | 1,426 |
| Core capital (leverage) ratio | 12.6514% | 1,283 |
| Tier 1 risk-based capital ratio | 20.3601% | 1,411 |
| Total risk-based capital ratio | 21.1923% | 1,467 |
| Memoranda: | ||
| Average total assets | $206,542,800 | 2,884 |
| Average earning assets | $194,823,000 | 2,827 |
| Average equity | $26,649,800 | 2,582 |
| Average total loans | $110,406,800 | 3,191 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2476% | 5,514 |
| Cost of funding earning assets | 0.3941% | 3,280 |
| Net interest margin | 2.8535% | 5,489 |
| Noninterest income to average assets | 0.3439% | 4,472 |
| Noninterest expense to average assets | 1.3886% | 6,109 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1397% | 1,868 |
| Return on assets (ROA) | 1.1397% | 1,933 |
| Pretax return on assets | 1.6511% | 1,236 |
| Return on Equity (ROE) | 8.8259% | 2,666 |
| Retained earnings to average equity (ytd only) | 8.8259% | 966 |
| Net charge-offs to loans | -0.0012% | 4,671 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6827% | 5,976 |
| Assets per employee ($millions) | 5.9910% | 1,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9249% | 5,098 |
| Loan loss allowance to noncurrent loans | 12,737.5000% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.0039% | 5,806 |
| Noncurrent loans to loans | 0.0073% | 5,622 |
| Net loans and leases to total assets | 53.5907% | 4,609 |
| Net loans and leases to deposits | 62.0928% | 4,712 |
| Net loans and leases to core deposits | 62.2848% | 4,917 |
| Total domestic deposits to total assets | 86.3074% | 2,383 |
| Equity capital to assets | 13.5232% | 1,217 |
| Core capital (leverage) ratio | 13.0935% | 1,168 |
| Tier 1 risk-based capital ratio | 21.0544% | 1,334 |
| Total risk-based capital ratio | 21.8528% | 1,386 |
| Memoranda: | ||
| Average total assets | $206,244,750 | 2,907 |
| Average earning assets | $194,846,000 | 2,856 |
| Average equity | $26,633,000 | 2,593 |
| Average total loans | $110,363,500 | 3,225 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2326% | 5,567 |
| Cost of funding earning assets | 0.3959% | 3,318 |
| Net interest margin | 2.8367% | 5,544 |
| Noninterest income to average assets | 0.3409% | 4,515 |
| Noninterest expense to average assets | 1.3549% | 6,195 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1386% | 1,811 |
| Return on assets (ROA) | 1.1386% | 1,889 |
| Pretax return on assets | 1.6640% | 1,159 |
| Return on Equity (ROE) | 8.9560% | 2,572 |
| Retained earnings to average equity (ytd only) | 8.9560% | 934 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8816% | 6,085 |
| Assets per employee ($millions) | 6.1688% | 1,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9264% | 5,192 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 53.4791% | 4,616 |
| Net loans and leases to deposits | 61.7134% | 4,722 |
| Net loans and leases to core deposits | 61.9036% | 4,951 |
| Total domestic deposits to total assets | 86.6572% | 2,341 |
| Equity capital to assets | 13.1851% | 1,307 |
| Core capital (leverage) ratio | 12.7492% | 1,277 |
| Tier 1 risk-based capital ratio | 20.5386% | 1,444 |
| Total risk-based capital ratio | 21.3339% | 1,496 |
| Memoranda: | ||
| Average total assets | $207,095,000 | 2,921 |
| Average earning assets | $195,507,000 | 2,867 |
| Average equity | $26,328,670 | 2,630 |
| Average total loans | $110,424,670 | 3,242 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2224% | 5,614 |
| Cost of funding earning assets | 0.3998% | 3,309 |
| Net interest margin | 2.8226% | 5,600 |
| Noninterest income to average assets | 0.3237% | 4,597 |
| Noninterest expense to average assets | 1.3291% | 6,268 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1817% | 1,601 |
| Return on assets (ROA) | 1.1817% | 1,698 |
| Pretax return on assets | 1.6586% | 1,137 |
| Return on Equity (ROE) | 9.4659% | 2,233 |
| Retained earnings to average equity (ytd only) | 9.4659% | 1,048 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4872% | 6,162 |
| Assets per employee ($millions) | 6.5787% | 1,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9281% | 5,338 |
| Loan loss allowance to noncurrent loans | 14,542.8571% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.0033% | 5,957 |
| Noncurrent loans to loans | 0.0064% | 5,784 |
| Net loans and leases to total assets | 51.6201% | 4,696 |
| Net loans and leases to deposits | 59.2308% | 4,807 |
| Net loans and leases to core deposits | 59.5770% | 5,025 |
| Total domestic deposits to total assets | 87.1507% | 2,287 |
| Equity capital to assets | 12.5757% | 1,648 |
| Core capital (leverage) ratio | 12.0592% | 1,606 |
| Tier 1 risk-based capital ratio | 20.6123% | 1,500 |
| Total risk-based capital ratio | 21.4279% | 1,547 |
| Memoranda: | ||
| Average total assets | $208,857,000 | 2,921 |
| Average earning assets | $197,122,000 | 2,872 |
| Average equity | $26,072,500 | 2,669 |
| Average total loans | $110,694,000 | 3,251 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1175% | 5,933 |
| Cost of funding earning assets | 0.4208% | 3,471 |
| Net interest margin | 2.6966% | 5,944 |
| Noninterest income to average assets | 0.3405% | 4,669 |
| Noninterest expense to average assets | 1.4045% | 6,350 |
| Loan and lease loss provision to assets | 0.0245% | 4,120 |
| Net operating income to assets | 0.9993% | 2,386 |
| Return on assets (ROA) | 1.0415% | 2,282 |
| Pretax return on assets | 1.5151% | 1,489 |
| Return on Equity (ROE) | 8.4164% | 2,898 |
| Retained earnings to average equity (ytd only) | 4.0876% | 3,293 |
| Net charge-offs to loans | -0.0010% | 5,340 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,058 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7188% | 6,155 |
| Assets per employee ($millions) | 5.9208% | 1,437 |
| Cash dividends to net income (ytd only)* | 51.4326% | 2,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9114% | 5,437 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 53.4112% | 4,650 |
| Net loans and leases to deposits | 61.0763% | 4,798 |
| Net loans and leases to core deposits | 61.4377% | 5,045 |
| Total domestic deposits to total assets | 87.4501% | 2,060 |
| Equity capital to assets | 12.3810% | 1,715 |
| Core capital (leverage) ratio | 11.5809% | 1,915 |
| Tier 1 risk-based capital ratio | 19.6785% | 1,665 |
| Total risk-based capital ratio | 20.4768% | 1,754 |
| Memoranda: | ||
| Average total assets | $204,409,000 | 2,942 |
| Average earning assets | $192,721,400 | 2,880 |
| Average equity | $25,295,800 | 2,632 |
| Average total loans | $102,370,800 | 3,368 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0872% | 6,048 |
| Cost of funding earning assets | 0.4238% | 3,534 |
| Net interest margin | 2.6634% | 6,051 |
| Noninterest income to average assets | 0.3430% | 4,695 |
| Noninterest expense to average assets | 1.3379% | 6,439 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0322% | 2,312 |
| Return on assets (ROA) | 1.0630% | 2,249 |
| Pretax return on assets | 1.5597% | 1,452 |
| Return on Equity (ROE) | 8.5905% | 2,910 |
| Retained earnings to average equity (ytd only) | 8.5905% | 1,129 |
| Net charge-offs to loans | -0.0013% | 5,169 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9022% | 6,248 |
| Assets per employee ($millions) | 5.9032% | 1,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9108% | 5,568 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 52.4712% | 4,752 |
| Net loans and leases to deposits | 60.4373% | 4,902 |
| Net loans and leases to core deposits | 60.8061% | 5,134 |
| Total domestic deposits to total assets | 86.8193% | 2,410 |
| Equity capital to assets | 13.0083% | 1,420 |
| Core capital (leverage) ratio | 12.5191% | 1,393 |
| Tier 1 risk-based capital ratio | 20.9442% | 1,465 |
| Total risk-based capital ratio | 21.7335% | 1,524 |
| Memoranda: | ||
| Average total assets | $203,704,250 | 2,971 |
| Average earning assets | $191,927,250 | 2,913 |
| Average equity | $25,205,500 | 2,651 |
| Average total loans | $100,038,250 | 3,448 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0205% | 6,153 |
| Cost of funding earning assets | 0.4276% | 3,573 |
| Net interest margin | 2.5929% | 6,179 |
| Noninterest income to average assets | 0.3312% | 4,768 |
| Noninterest expense to average assets | 1.3024% | 6,522 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0025% | 2,313 |
| Return on assets (ROA) | 1.0484% | 2,196 |
| Pretax return on assets | 1.5369% | 1,438 |
| Return on Equity (ROE) | 8.6170% | 2,778 |
| Retained earnings to average equity (ytd only) | 8.6170% | 1,108 |
| Net charge-offs to loans | -0.0020% | 5,059 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9863% | 6,325 |
| Assets per employee ($millions) | 6.0322% | 1,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9806% | 5,431 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 47.6596% | 5,199 |
| Net loans and leases to deposits | 54.5804% | 5,317 |
| Net loans and leases to core deposits | 54.9045% | 5,496 |
| Total domestic deposits to total assets | 87.3200% | 2,291 |
| Equity capital to assets | 12.4933% | 1,649 |
| Core capital (leverage) ratio | 12.2992% | 1,499 |
| Tier 1 risk-based capital ratio | 21.6945% | 1,311 |
| Total risk-based capital ratio | 22.5301% | 1,364 |
| Memoranda: | ||
| Average total assets | $204,702,330 | 2,973 |
| Average earning assets | $192,682,670 | 2,916 |
| Average equity | $24,904,330 | 2,671 |
| Average total loans | $97,956,670 | 3,493 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9780% | 6,264 |
| Cost of funding earning assets | 0.4331% | 3,613 |
| Net interest margin | 2.5449% | 6,295 |
| Noninterest income to average assets | 0.3208% | 4,802 |
| Noninterest expense to average assets | 1.3144% | 6,594 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0151% | 2,153 |
| Return on assets (ROA) | 1.0151% | 2,219 |
| Pretax return on assets | 1.4083% | 1,716 |
| Return on Equity (ROE) | 8.4579% | 2,707 |
| Retained earnings to average equity (ytd only) | 8.4579% | 1,431 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2759% | 6,343 |
| Assets per employee ($millions) | 5.8818% | 1,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9967% | 5,532 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 46.6575% | 5,262 |
| Net loans and leases to deposits | 53.2124% | 5,358 |
| Net loans and leases to core deposits | 53.5240% | 5,532 |
| Total domestic deposits to total assets | 87.6817% | 2,415 |
| Equity capital to assets | 12.0682% | 1,825 |
| Core capital (leverage) ratio | 12.0575% | 1,621 |
| Tier 1 risk-based capital ratio | 21.6224% | 1,354 |
| Total risk-based capital ratio | 22.4730% | 1,407 |
| Memoranda: | ||
| Average total assets | $204,506,500 | 3,002 |
| Average earning assets | $193,015,500 | 2,934 |
| Average equity | $24,545,000 | 2,690 |
| Average total loans | $97,577,500 | 3,523 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9688% | 6,373 |
| Cost of funding earning assets | 0.4935% | 3,670 |
| Net interest margin | 2.4753% | 6,391 |
| Noninterest income to average assets | 0.3222% | 5,030 |
| Noninterest expense to average assets | 1.3823% | 6,638 |
| Loan and lease loss provision to assets | 0.0124% | 4,871 |
| Net operating income to assets | 0.8862% | 2,847 |
| Return on assets (ROA) | 0.9023% | 2,849 |
| Pretax return on assets | 1.2807% | 2,228 |
| Return on Equity (ROE) | 7.4397% | 3,332 |
| Retained earnings to average equity (ytd only) | 3.1286% | 4,012 |
| Net charge-offs to loans | -0.0020% | 5,851 |
| Credit loss provision to net charge-offs | -1,250.0000% | 6,254 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1119% | 6,285 |
| Assets per employee ($millions) | 6.1560% | 1,170 |
| Cash dividends to net income (ytd only)* | 57.9470% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9854% | 5,638 |
| Loan loss allowance to noncurrent loans | 895.3704% | 565 |
| Noncurrent assets plus other real estate owned to assets | 0.0532% | 6,210 |
| Noncurrent loans to loans | 0.1101% | 5,879 |
| Net loans and leases to total assets | 47.8319% | 5,310 |
| Net loans and leases to deposits | 54.4226% | 5,437 |
| Net loans and leases to core deposits | 54.7449% | 5,628 |
| Total domestic deposits to total assets | 87.8897% | 2,244 |
| Equity capital to assets | 11.9351% | 1,845 |
| Core capital (leverage) ratio | 12.0501% | 1,571 |
| Tier 1 risk-based capital ratio | 21.0481% | 1,410 |
| Total risk-based capital ratio | 21.8940% | 1,479 |
| Memoranda: | ||
| Average total assets | $200,827,000 | 3,027 |
| Average earning assets | $189,068,600 | 2,959 |
| Average equity | $24,355,800 | 2,697 |
| Average total loans | $99,756,800 | 3,451 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9698% | 6,447 |
| Cost of funding earning assets | 0.5109% | 3,664 |
| Net interest margin | 2.4589% | 6,465 |
| Noninterest income to average assets | 0.3189% | 5,142 |
| Noninterest expense to average assets | 1.3110% | 6,736 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9042% | 2,815 |
| Return on assets (ROA) | 0.9042% | 2,925 |
| Pretax return on assets | 1.3183% | 2,269 |
| Return on Equity (ROE) | 7.4257% | 3,421 |
| Retained earnings to average equity (ytd only) | 7.4257% | 1,677 |
| Net charge-offs to loans | -0.0013% | 5,663 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8607% | 6,405 |
| Assets per employee ($millions) | 6.0228% | 1,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9484% | 5,925 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 49.4496% | 5,198 |
| Net loans and leases to deposits | 56.6678% | 5,315 |
| Net loans and leases to core deposits | 56.9291% | 5,535 |
| Total domestic deposits to total assets | 87.2621% | 2,526 |
| Equity capital to assets | 12.5436% | 1,555 |
| Core capital (leverage) ratio | 12.4657% | 1,441 |
| Tier 1 risk-based capital ratio | 21.4321% | 1,411 |
| Total risk-based capital ratio | 22.2500% | 1,469 |
| Memoranda: | ||
| Average total assets | $200,246,500 | 3,053 |
| Average earning assets | $188,155,250 | 3,004 |
| Average equity | $24,383,250 | 2,718 |
| Average total loans | $100,161,750 | 3,466 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9594% | 6,485 |
| Cost of funding earning assets | 0.5288% | 3,618 |
| Net interest margin | 2.4306% | 6,524 |
| Noninterest income to average assets | 0.2989% | 5,315 |
| Noninterest expense to average assets | 1.2912% | 6,795 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8837% | 2,878 |
| Return on assets (ROA) | 0.8837% | 3,035 |
| Pretax return on assets | 1.2972% | 2,308 |
| Return on Equity (ROE) | 7.3304% | 3,429 |
| Retained earnings to average equity (ytd only) | 7.3304% | 1,735 |
| Net charge-offs to loans | -0.0020% | 5,529 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8845% | 6,438 |
| Assets per employee ($millions) | 6.1827% | 1,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9413% | 6,022 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 50.0548% | 5,102 |
| Net loans and leases to deposits | 57.1967% | 5,225 |
| Net loans and leases to core deposits | 57.4608% | 5,471 |
| Total domestic deposits to total assets | 87.5136% | 2,532 |
| Equity capital to assets | 12.2883% | 1,713 |
| Core capital (leverage) ratio | 12.1136% | 1,557 |
| Tier 1 risk-based capital ratio | 21.0447% | 1,476 |
| Total risk-based capital ratio | 21.8634% | 1,554 |
| Memoranda: | ||
| Average total assets | $200,744,000 | 3,064 |
| Average earning assets | $189,092,000 | 3,006 |
| Average equity | $24,200,670 | 2,750 |
| Average total loans | $100,474,330 | 3,474 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0037% | 6,514 |
| Cost of funding earning assets | 0.5423% | 3,646 |
| Net interest margin | 2.4614% | 6,546 |
| Noninterest income to average assets | 0.2789% | 5,461 |
| Noninterest expense to average assets | 1.2602% | 6,890 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9674% | 2,359 |
| Return on assets (ROA) | 0.9674% | 2,492 |
| Pretax return on assets | 1.3354% | 2,097 |
| Return on Equity (ROE) | 8.1011% | 2,923 |
| Retained earnings to average equity (ytd only) | 8.1011% | 1,718 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5518% | 6,586 |
| Assets per employee ($millions) | 6.1313% | 1,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9385% | 6,165 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 49.0397% | 5,108 |
| Net loans and leases to deposits | 55.9368% | 5,249 |
| Net loans and leases to core deposits | 56.3533% | 5,494 |
| Total domestic deposits to total assets | 87.6698% | 2,535 |
| Equity capital to assets | 12.0732% | 1,991 |
| Core capital (leverage) ratio | 11.7754% | 1,690 |
| Tier 1 risk-based capital ratio | 20.9630% | 1,547 |
| Total risk-based capital ratio | 21.7914% | 1,615 |
| Memoranda: | ||
| Average total assets | $202,192,500 | 3,077 |
| Average earning assets | $190,299,500 | 3,008 |
| Average equity | $24,145,000 | 2,793 |
| Average total loans | $100,725,000 | 3,485 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2433% | 6,638 |
| Cost of funding earning assets | 0.6894% | 3,575 |
| Net interest margin | 2.5539% | 6,676 |
| Noninterest income to average assets | 0.3153% | 5,197 |
| Noninterest expense to average assets | 1.4844% | 6,876 |
| Loan and lease loss provision to assets | 0.0128% | 5,751 |
| Net operating income to assets | 0.8175% | 3,202 |
| Return on assets (ROA) | 0.8465% | 3,313 |
| Pretax return on assets | 1.2249% | 2,705 |
| Return on Equity (ROE) | 6.9134% | 3,691 |
| Retained earnings to average equity (ytd only) | 2.5166% | 4,455 |
| Net charge-offs to loans | -0.0022% | 6,330 |
| Credit loss provision to net charge-offs | -1,250.0000% | 6,603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3855% | 6,128 |
| Assets per employee ($millions) | 5.9427% | 1,325 |
| Cash dividends to net income (ytd only)* | 63.5978% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9281% | 6,201 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 49.6637% | 5,212 |
| Net loans and leases to deposits | 56.4448% | 5,399 |
| Net loans and leases to core deposits | 56.8641% | 5,643 |
| Total domestic deposits to total assets | 87.9863% | 2,243 |
| Equity capital to assets | 11.8098% | 2,177 |
| Core capital (leverage) ratio | 11.7002% | 1,736 |
| Tier 1 risk-based capital ratio | 20.3280% | 1,601 |
| Total risk-based capital ratio | 21.1492% | 1,674 |
| Memoranda: | ||
| Average total assets | $195,030,600 | 3,110 |
| Average earning assets | $180,586,600 | 3,080 |
| Average equity | $23,881,000 | 2,755 |
| Average total loans | $92,932,200 | 3,680 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2516% | 6,760 |
| Cost of funding earning assets | 0.7033% | 3,739 |
| Net interest margin | 2.5483% | 6,794 |
| Noninterest income to average assets | 0.3118% | 5,290 |
| Noninterest expense to average assets | 1.4087% | 6,989 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8775% | 3,094 |
| Return on assets (ROA) | 0.8775% | 3,335 |
| Pretax return on assets | 1.2576% | 2,756 |
| Return on Equity (ROE) | 7.1003% | 3,752 |
| Retained earnings to average equity (ytd only) | 7.1003% | 2,065 |
| Net charge-offs to loans | -0.0015% | 6,192 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8331% | 6,373 |
| Assets per employee ($millions) | 5.9393% | 1,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9357% | 6,278 |
| Loan loss allowance to noncurrent loans | 10,155.5556% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 6,794 |
| Noncurrent loans to loans | 0.0092% | 6,647 |
| Net loans and leases to total assets | 49.3701% | 5,388 |
| Net loans and leases to deposits | 56.7025% | 5,567 |
| Net loans and leases to core deposits | 57.1378% | 5,798 |
| Total domestic deposits to total assets | 87.0687% | 2,622 |
| Equity capital to assets | 12.6584% | 1,793 |
| Core capital (leverage) ratio | 12.2824% | 1,503 |
| Tier 1 risk-based capital ratio | 21.5343% | 1,418 |
| Total risk-based capital ratio | 22.3566% | 1,473 |
| Memoranda: | ||
| Average total assets | $193,275,000 | 3,170 |
| Average earning assets | $178,574,500 | 3,152 |
| Average equity | $23,885,750 | 2,785 |
| Average total loans | $90,843,500 | 3,765 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2461% | 6,847 |
| Cost of funding earning assets | 0.7166% | 3,886 |
| Net interest margin | 2.5295% | 6,863 |
| Noninterest income to average assets | 0.3109% | 5,328 |
| Noninterest expense to average assets | 1.4680% | 7,022 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8307% | 3,237 |
| Return on assets (ROA) | 0.8307% | 3,504 |
| Pretax return on assets | 1.1769% | 3,027 |
| Return on Equity (ROE) | 6.7776% | 3,899 |
| Retained earnings to average equity (ytd only) | 6.7776% | 2,231 |
| Net charge-offs to loans | -0.0023% | 6,098 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5031% | 6,174 |
| Assets per employee ($millions) | 5.8856% | 1,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9595% | 6,297 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 48.5767% | 5,555 |
| Net loans and leases to deposits | 55.5792% | 5,697 |
| Net loans and leases to core deposits | 56.0082% | 5,939 |
| Total domestic deposits to total assets | 87.4007% | 2,536 |
| Equity capital to assets | 12.3846% | 1,891 |
| Core capital (leverage) ratio | 12.0672% | 1,570 |
| Tier 1 risk-based capital ratio | 21.6387% | 1,360 |
| Total risk-based capital ratio | 22.4816% | 1,409 |
| Memoranda: | ||
| Average total assets | $192,367,670 | 3,189 |
| Average earning assets | $177,506,670 | 3,171 |
| Average equity | $23,577,670 | 2,801 |
| Average total loans | $88,565,330 | 3,838 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1872% | 6,952 |
| Cost of funding earning assets | 0.7418% | 3,931 |
| Net interest margin | 2.4454% | 6,985 |
| Noninterest income to average assets | 0.3030% | 5,452 |
| Noninterest expense to average assets | 1.4187% | 7,107 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7773% | 3,492 |
| Return on assets (ROA) | 0.7773% | 3,731 |
| Pretax return on assets | 1.1367% | 3,177 |
| Return on Equity (ROE) | 6.3755% | 4,101 |
| Retained earnings to average equity (ytd only) | 6.3755% | 2,756 |
| Net charge-offs to loans | -0.0047% | 5,786 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5192% | 6,177 |
| Assets per employee ($millions) | 5.8475% | 1,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0394% | 6,119 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 45.0945% | 5,889 |
| Net loans and leases to deposits | 51.5488% | 6,023 |
| Net loans and leases to core deposits | 51.9458% | 6,209 |
| Total domestic deposits to total assets | 87.4793% | 2,667 |
| Equity capital to assets | 12.2383% | 1,883 |
| Core capital (leverage) ratio | 12.0704% | 1,551 |
| Tier 1 risk-based capital ratio | 22.8488% | 1,151 |
| Total risk-based capital ratio | 23.7553% | 1,186 |
| Memoranda: | ||
| Average total assets | $191,439,000 | 3,217 |
| Average earning assets | $176,332,500 | 3,203 |
| Average equity | $23,339,500 | 2,813 |
| Average total loans | $85,217,000 | 3,968 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3863% | 7,058 |
| Cost of funding earning assets | 0.8794% | 4,258 |
| Net interest margin | 2.5069% | 7,054 |
| Noninterest income to average assets | 0.3307% | 5,173 |
| Noninterest expense to average assets | 1.3959% | 7,214 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.8767% | 2,710 |
| Return on assets (ROA) | 0.8767% | 2,843 |
| Pretax return on assets | 1.2467% | 2,307 |
| Return on Equity (ROE) | 7.0388% | 3,392 |
| Retained earnings to average equity (ytd only) | 2.4990% | 4,449 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8225% | 6,631 |
| Assets per employee ($millions) | 5.9347% | 1,281 |
| Cash dividends to net income (ytd only)* | 64.4963% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1066% | 5,788 |
| Loan loss allowance to noncurrent loans | 91,300.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 7,025 |
| Noncurrent loans to loans | 0.0012% | 6,876 |
| Net loans and leases to total assets | 42.9619% | 6,303 |
| Net loans and leases to deposits | 49.0310% | 6,432 |
| Net loans and leases to core deposits | 49.4140% | 6,560 |
| Total domestic deposits to total assets | 87.6220% | 2,390 |
| Equity capital to assets | 12.1442% | 2,018 |
| Core capital (leverage) ratio | 11.8097% | 1,702 |
| Tier 1 risk-based capital ratio | 23.5815% | 1,015 |
| Total risk-based capital ratio | 24.5324% | 1,050 |
| Memoranda: | ||
| Average total assets | $185,692,600 | 3,250 |
| Average earning assets | $171,250,200 | 3,215 |
| Average equity | $23,129,000 | 2,766 |
| Average total loans | $81,813,600 | 4,086 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4497% | 7,110 |
| Cost of funding earning assets | 0.9058% | 4,354 |
| Net interest margin | 2.5439% | 7,111 |
| Noninterest income to average assets | 0.3336% | 5,190 |
| Noninterest expense to average assets | 1.2832% | 7,321 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9806% | 2,389 |
| Return on assets (ROA) | 0.9806% | 2,548 |
| Pretax return on assets | 1.4009% | 1,943 |
| Return on Equity (ROE) | 7.8228% | 3,120 |
| Retained earnings to average equity (ytd only) | 7.8228% | 1,577 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8074% | 6,970 |
| Assets per employee ($millions) | 6.1028% | 1,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1109% | 5,844 |
| Loan loss allowance to noncurrent loans | 22,825.0000% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 7,088 |
| Noncurrent loans to loans | 0.0049% | 6,960 |
| Net loans and leases to total assets | 42.9589% | 6,435 |
| Net loans and leases to deposits | 49.3117% | 6,539 |
| Net loans and leases to core deposits | 49.6958% | 6,686 |
| Total domestic deposits to total assets | 87.1170% | 2,577 |
| Equity capital to assets | 12.6567% | 1,816 |
| Core capital (leverage) ratio | 12.4615% | 1,454 |
| Tier 1 risk-based capital ratio | 24.7821% | 936 |
| Total risk-based capital ratio | 25.7480% | 943 |
| Memoranda: | ||
| Average total assets | $184,638,250 | 3,285 |
| Average earning assets | $170,600,750 | 3,240 |
| Average equity | $23,145,500 | 2,764 |
| Average total loans | $81,641,500 | 4,129 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4220% | 7,201 |
| Cost of funding earning assets | 0.9280% | 4,465 |
| Net interest margin | 2.4940% | 7,191 |
| Noninterest income to average assets | 0.3320% | 5,237 |
| Noninterest expense to average assets | 1.3106% | 7,389 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9415% | 2,475 |
| Return on assets (ROA) | 0.9415% | 2,569 |
| Pretax return on assets | 1.3226% | 2,069 |
| Return on Equity (ROE) | 7.5353% | 3,173 |
| Retained earnings to average equity (ytd only) | 7.5353% | 1,644 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7719% | 6,952 |
| Assets per employee ($millions) | 5.7866% | 1,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1166% | 5,894 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 43.6637% | 6,463 |
| Net loans and leases to deposits | 50.1352% | 6,581 |
| Net loans and leases to core deposits | 50.6322% | 6,734 |
| Total domestic deposits to total assets | 87.0919% | 2,690 |
| Equity capital to assets | 12.6522% | 1,706 |
| Core capital (leverage) ratio | 12.3853% | 1,411 |
| Tier 1 risk-based capital ratio | 24.4341% | 963 |
| Total risk-based capital ratio | 25.4071% | 967 |
| Memoranda: | ||
| Average total assets | $183,121,670 | 3,327 |
| Average earning assets | $168,965,000 | 3,291 |
| Average equity | $22,879,000 | 2,774 |
| Average total loans | $81,460,000 | 4,167 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4179% | 7,257 |
| Cost of funding earning assets | 0.9728% | 4,399 |
| Net interest margin | 2.4451% | 7,234 |
| Noninterest income to average assets | 0.3229% | 5,341 |
| Noninterest expense to average assets | 1.2982% | 7,460 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8743% | 2,688 |
| Return on assets (ROA) | 0.8743% | 2,741 |
| Pretax return on assets | 1.2828% | 2,089 |
| Return on Equity (ROE) | 7.0428% | 3,356 |
| Retained earnings to average equity (ytd only) | 7.0428% | 2,128 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2979% | 6,965 |
| Assets per employee ($millions) | 5.9585% | 1,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1266% | 5,950 |
| Loan loss allowance to noncurrent loans | 15,216.6667% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 7,200 |
| Noncurrent loans to loans | 0.0074% | 7,068 |
| Net loans and leases to total assets | 43.3787% | 6,516 |
| Net loans and leases to deposits | 49.6822% | 6,647 |
| Net loans and leases to core deposits | 50.0916% | 6,767 |
| Total domestic deposits to total assets | 87.3123% | 2,757 |
| Equity capital to assets | 12.3417% | 1,718 |
| Core capital (leverage) ratio | 12.0935% | 1,513 |
| Tier 1 risk-based capital ratio | 24.1385% | 958 |
| Total risk-based capital ratio | 25.1195% | 965 |
| Memoranda: | ||
| Average total assets | $182,097,500 | 3,364 |
| Average earning assets | $168,172,000 | 3,324 |
| Average equity | $22,604,500 | 2,787 |
| Average total loans | $81,307,500 | 4,213 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0790% | 7,068 |
| Cost of funding earning assets | 1.3323% | 3,675 |
| Net interest margin | 2.7467% | 7,086 |
| Noninterest income to average assets | 0.3522% | 5,287 |
| Noninterest expense to average assets | 1.5151% | 7,441 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.9691% | 2,132 |
| Return on assets (ROA) | 0.9725% | 2,248 |
| Pretax return on assets | 1.3591% | 1,773 |
| Return on Equity (ROE) | 7.2227% | 3,015 |
| Retained earnings to average equity (ytd only) | 2.4002% | 4,196 |
| Net charge-offs to loans | -0.0037% | 7,250 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8002% | 6,915 |
| Assets per employee ($millions) | 5.6088% | 1,488 |
| Cash dividends to net income (ytd only)* | 66.7683% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1192% | 5,881 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 44.9421% | 6,640 |
| Net loans and leases to deposits | 51.5317% | 6,777 |
| Net loans and leases to core deposits | 51.9683% | 6,912 |
| Total domestic deposits to total assets | 87.2125% | 2,710 |
| Equity capital to assets | 12.4872% | 1,642 |
| Core capital (leverage) ratio | 12.2291% | 1,417 |
| Tier 1 risk-based capital ratio | 24.1689% | 918 |
| Total risk-based capital ratio | 25.1690% | 921 |
| Memoranda: | ||
| Average total assets | $168,639,600 | 3,567 |
| Average earning assets | $154,546,400 | 3,563 |
| Average equity | $22,706,200 | 2,803 |
| Average total loans | $80,916,600 | 4,312 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2051% | 7,081 |
| Cost of funding earning assets | 1.4037% | 3,555 |
| Net interest margin | 2.8013% | 7,129 |
| Noninterest income to average assets | 0.3544% | 5,328 |
| Noninterest expense to average assets | 1.4681% | 7,563 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.0277% | 2,142 |
| Return on assets (ROA) | 1.0277% | 2,250 |
| Pretax return on assets | 1.4488% | 1,752 |
| Return on Equity (ROE) | 7.4860% | 3,113 |
| Retained earnings to average equity (ytd only) | 7.4860% | 1,602 |
| Net charge-offs to loans | -0.0083% | 7,252 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3306% | 7,129 |
| Assets per employee ($millions) | 5.4858% | 1,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1223% | 5,845 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 45.9207% | 6,701 |
| Net loans and leases to deposits | 53.1370% | 6,825 |
| Net loans and leases to core deposits | 53.5981% | 6,978 |
| Total domestic deposits to total assets | 86.4194% | 2,841 |
| Equity capital to assets | 13.2952% | 1,450 |
| Core capital (leverage) ratio | 13.2576% | 1,128 |
| Tier 1 risk-based capital ratio | 24.3965% | 903 |
| Total risk-based capital ratio | 25.3756% | 906 |
| Memoranda: | ||
| Average total assets | $165,929,500 | 3,653 |
| Average earning assets | $151,780,250 | 3,658 |
| Average equity | $22,779,750 | 2,833 |
| Average total loans | $80,752,000 | 4,393 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2787% | 7,083 |
| Cost of funding earning assets | 1.4468% | 3,583 |
| Net interest margin | 2.8319% | 7,107 |
| Noninterest income to average assets | 0.3577% | 5,284 |
| Noninterest expense to average assets | 1.4982% | 7,615 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.0312% | 2,081 |
| Return on assets (ROA) | 1.0312% | 2,158 |
| Pretax return on assets | 1.4552% | 1,683 |
| Return on Equity (ROE) | 7.4270% | 3,139 |
| Retained earnings to average equity (ytd only) | 7.4270% | 1,666 |
| Net charge-offs to loans | -0.0124% | 7,226 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7283% | 7,175 |
| Assets per employee ($millions) | 5.0380% | 2,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1149% | 5,869 |
| Loan loss allowance to noncurrent loans | 91,500.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 7,436 |
| Noncurrent loans to loans | 0.0012% | 7,345 |
| Net loans and leases to total assets | 48.8118% | 6,562 |
| Net loans and leases to deposits | 56.8845% | 6,661 |
| Net loans and leases to core deposits | 57.4084% | 6,864 |
| Total domestic deposits to total assets | 85.8085% | 3,198 |
| Equity capital to assets | 13.8342% | 1,229 |
| Core capital (leverage) ratio | 13.6673% | 1,011 |
| Tier 1 risk-based capital ratio | 24.0785% | 937 |
| Total risk-based capital ratio | 25.0638% | 940 |
| Memoranda: | ||
| Average total assets | $162,724,670 | 3,727 |
| Average earning assets | $149,157,000 | 3,718 |
| Average equity | $22,593,330 | 2,845 |
| Average total loans | $80,494,000 | 4,435 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3147% | 7,113 |
| Cost of funding earning assets | 1.4834% | 3,670 |
| Net interest margin | 2.8313% | 7,137 |
| Noninterest income to average assets | 0.3554% | 5,294 |
| Noninterest expense to average assets | 1.5408% | 7,694 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9468% | 2,372 |
| Return on assets (ROA) | 0.9468% | 2,438 |
| Pretax return on assets | 1.4091% | 1,748 |
| Return on Equity (ROE) | 6.8066% | 3,446 |
| Retained earnings to average equity (ytd only) | 6.8066% | 2,214 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2325% | 7,126 |
| Assets per employee ($millions) | 5.0505% | 2,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1509% | 5,771 |
| Loan loss allowance to noncurrent loans | 91,000.0000% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 7,512 |
| Noncurrent loans to loans | 0.0013% | 7,421 |
| Net loans and leases to total assets | 48.3612% | 6,635 |
| Net loans and leases to deposits | 56.4871% | 6,734 |
| Net loans and leases to core deposits | 56.6107% | 6,956 |
| Total domestic deposits to total assets | 85.6146% | 3,356 |
| Equity capital to assets | 13.9350% | 1,163 |
| Core capital (leverage) ratio | 13.6152% | 1,051 |
| Tier 1 risk-based capital ratio | 24.7870% | 889 |
| Total risk-based capital ratio | 25.8168% | 889 |
| Memoranda: | ||
| Average total assets | $160,959,500 | 3,821 |
| Average earning assets | $147,496,500 | 3,812 |
| Average equity | $22,390,000 | 2,893 |
| Average total loans | $79,707,500 | 4,519 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8097% | 6,930 |
| Cost of funding earning assets | 1.7620% | 4,194 |
| Net interest margin | 3.0477% | 6,523 |
| Noninterest income to average assets | 0.3086% | 5,876 |
| Noninterest expense to average assets | 1.6210% | 7,757 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.0241% | 1,766 |
| Return on assets (ROA) | 1.0241% | 1,809 |
| Pretax return on assets | 1.4442% | 1,326 |
| Return on Equity (ROE) | 7.1520% | 2,733 |
| Retained earnings to average equity (ytd only) | 2.1730% | 3,588 |
| Net charge-offs to loans | 0.0233% | 6,911 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 126.6111% | 228 |
| Efficiency ratio | 52.8840% | 7,329 |
| Assets per employee ($millions) | 4.8577% | 2,396 |
| Cash dividends to net income (ytd only)* | 69.6163% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1326% | 5,737 |
| Loan loss allowance to noncurrent loans | 45,500.0000% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 7,546 |
| Noncurrent loans to loans | 0.0025% | 7,450 |
| Net loans and leases to total assets | 49.5533% | 6,682 |
| Net loans and leases to deposits | 57.8486% | 6,793 |
| Net loans and leases to core deposits | 61.4392% | 7,213 |
| Total domestic deposits to total assets | 85.6604% | 3,191 |
| Equity capital to assets | 13.8855% | 1,202 |
| Core capital (leverage) ratio | 13.4046% | 1,121 |
| Tier 1 risk-based capital ratio | 23.7985% | 966 |
| Total risk-based capital ratio | 24.8048% | 968 |
| Memoranda: | ||
| Average total assets | $157,803,800 | 3,813 |
| Average earning assets | $142,732,400 | 3,845 |
| Average equity | $22,595,000 | 2,878 |
| Average total loans | $77,260,200 | 4,612 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9118% | 6,855 |
| Cost of funding earning assets | 1.8205% | 4,287 |
| Net interest margin | 3.0913% | 6,338 |
| Noninterest income to average assets | 0.3715% | 5,538 |
| Noninterest expense to average assets | 1.5498% | 7,864 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.1231% | 1,662 |
| Return on assets (ROA) | 1.1231% | 1,730 |
| Pretax return on assets | 1.6075% | 1,159 |
| Return on Equity (ROE) | 7.7838% | 2,735 |
| Retained earnings to average equity (ytd only) | 7.7838% | 1,207 |
| Net charge-offs to loans | 0.0035% | 6,936 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 946.2921% | 25 |
| Efficiency ratio | 49.0865% | 7,617 |
| Assets per employee ($millions) | 4.8430% | 2,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1594% | 5,362 |
| Loan loss allowance to noncurrent loans | 1,852.0000% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.0313% | 7,503 |
| Noncurrent loans to loans | 0.0626% | 7,345 |
| Net loans and leases to total assets | 49.3934% | 6,830 |
| Net loans and leases to deposits | 58.1772% | 6,952 |
| Net loans and leases to core deposits | 61.8366% | 7,332 |
| Total domestic deposits to total assets | 84.9017% | 3,286 |
| Equity capital to assets | 14.5590% | 1,125 |
| Core capital (leverage) ratio | 13.9230% | 1,113 |
| Tier 1 risk-based capital ratio | 24.8212% | 918 |
| Total risk-based capital ratio | 25.8494% | 920 |
| Memoranda: | ||
| Average total assets | $157,178,750 | 3,853 |
| Average earning assets | $141,642,750 | 3,896 |
| Average equity | $22,679,000 | 2,890 |
| Average total loans | $76,488,750 | 4,673 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0680% | 6,554 |
| Cost of funding earning assets | 1.8926% | 4,302 |
| Net interest margin | 3.1754% | 6,000 |
| Noninterest income to average assets | 0.3634% | 5,607 |
| Noninterest expense to average assets | 1.5726% | 7,928 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.1145% | 1,725 |
| Return on assets (ROA) | 1.1145% | 1,803 |
| Pretax return on assets | 1.6225% | 1,164 |
| Return on Equity (ROE) | 7.7482% | 2,871 |
| Retained earnings to average equity (ytd only) | 7.7482% | 1,294 |
| Net charge-offs to loans | -0.0106% | 7,615 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2191% | 7,709 |
| Assets per employee ($millions) | 5.0016% | 2,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2243% | 4,788 |
| Loan loss allowance to noncurrent loans | 1,527.8689% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.0381% | 7,512 |
| Noncurrent loans to loans | 0.0801% | 7,326 |
| Net loans and leases to total assets | 46.9813% | 7,129 |
| Net loans and leases to deposits | 55.1498% | 7,209 |
| Net loans and leases to core deposits | 58.7504% | 7,496 |
| Total domestic deposits to total assets | 85.1885% | 3,170 |
| Equity capital to assets | 14.2186% | 1,244 |
| Core capital (leverage) ratio | 13.6935% | 1,213 |
| Tier 1 risk-based capital ratio | 25.3883% | 909 |
| Total risk-based capital ratio | 26.4687% | 904 |
| Memoranda: | ||
| Average total assets | $156,298,670 | 3,891 |
| Average earning assets | $139,385,670 | 3,959 |
| Average equity | $22,482,670 | 2,919 |
| Average total loans | $75,363,000 | 4,762 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1487% | 6,493 |
| Cost of funding earning assets | 1.9211% | 4,531 |
| Net interest margin | 3.2276% | 5,768 |
| Noninterest income to average assets | 0.3678% | 5,486 |
| Noninterest expense to average assets | 1.5309% | 7,963 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.2433% | 1,527 |
| Return on assets (ROA) | 1.2433% | 1,632 |
| Pretax return on assets | 1.7484% | 1,084 |
| Return on Equity (ROE) | 8.5923% | 2,889 |
| Retained earnings to average equity (ytd only) | 8.5923% | 1,601 |
| Net charge-offs to loans | -0.0107% | 7,287 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6825% | 7,811 |
| Assets per employee ($millions) | 4.8665% | 2,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2528% | 4,401 |
| Loan loss allowance to noncurrent loans | 1,273.9726% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.0469% | 7,464 |
| Noncurrent loans to loans | 0.0983% | 7,246 |
| Net loans and leases to total assets | 47.0708% | 7,100 |
| Net loans and leases to deposits | 55.4030% | 7,194 |
| Net loans and leases to core deposits | 59.1059% | 7,487 |
| Total domestic deposits to total assets | 84.9609% | 3,225 |
| Equity capital to assets | 14.3983% | 1,256 |
| Core capital (leverage) ratio | 13.9395% | 1,202 |
| Tier 1 risk-based capital ratio | 25.2269% | 965 |
| Total risk-based capital ratio | 26.3176% | 950 |
| Memoranda: | ||
| Average total assets | $154,422,500 | 3,936 |
| Average earning assets | $139,297,000 | 3,969 |
| Average equity | $22,345,500 | 2,938 |
| Average total loans | $74,981,500 | 4,807 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3746% | 7,498 |
| Cost of funding earning assets | 2.2200% | 5,509 |
| Net interest margin | 3.1546% | 6,508 |
| Noninterest income to average assets | 0.3726% | 5,716 |
| Noninterest expense to average assets | 1.5614% | 7,997 |
| Loan and lease loss provision to assets | 0.0332% | 6,990 |
| Net operating income to assets | 1.1855% | 1,823 |
| Return on assets (ROA) | 1.1855% | 1,752 |
| Pretax return on assets | 1.6876% | 1,169 |
| Return on Equity (ROE) | 8.1869% | 2,988 |
| Retained earnings to average equity (ytd only) | 3.1647% | 3,182 |
| Net charge-offs to loans | 0.0282% | 6,427 |
| Credit loss provision to net charge-offs | 250.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 129.5500% | 347 |
| Efficiency ratio | 47.5718% | 7,843 |
| Assets per employee ($millions) | 4.6399% | 2,419 |
| Cash dividends to net income (ytd only)* | 61.3445% | 2,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2254% | 4,342 |
| Loan loss allowance to noncurrent loans | 1,160.0000% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.0522% | 7,370 |
| Noncurrent loans to loans | 0.1056% | 7,096 |
| Net loans and leases to total assets | 48.8532% | 7,118 |
| Net loans and leases to deposits | 57.6405% | 7,229 |
| Net loans and leases to core deposits | 61.0717% | 7,534 |
| Total domestic deposits to total assets | 84.7549% | 2,950 |
| Equity capital to assets | 14.5437% | 1,283 |
| Core capital (leverage) ratio | 13.7510% | 1,320 |
| Tier 1 risk-based capital ratio | 24.7689% | 1,004 |
| Total risk-based capital ratio | 25.8618% | 997 |
| Memoranda: | ||
| Average total assets | $150,570,600 | 3,888 |
| Average earning assets | $138,875,400 | 3,871 |
| Average equity | $21,803,200 | 3,001 |
| Average total loans | $70,825,200 | 4,833 |