Home > Winter Hill Bank, FSB > Performance and Condition Ratios
Winter Hill Bank, FSB, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7430% | 3,548 |
| Cost of funding earning assets | 2.2289% | 1,355 |
| Net interest margin | 2.5140% | 4,017 |
| Noninterest income to average assets | 0.1600% | 3,792 |
| Noninterest expense to average assets | 2.5098% | 2,277 |
| Loan and lease loss provision to assets | -0.0200% | 4,187 |
| Net operating income to assets | 0.1086% | 4,066 |
| Return on assets (ROA) | 0.1086% | 4,097 |
| Pretax return on assets | 0.0993% | 4,111 |
| Return on Equity (ROE) | 1.1500% | 4,074 |
| Retained earnings to average equity (ytd only) | 1.1512% | 3,473 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 96.8840% | 321 |
| Assets per employee ($millions) | 7.4245% | 1,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5947% | 4,178 |
| Loan loss allowance to noncurrent loans | 351.8868% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 0.1231% | 2,896 |
| Noncurrent loans to loans | 0.1690% | 2,890 |
| Net loans and leases to total assets | 72.3900% | 1,543 |
| Net loans and leases to deposits | 101.3506% | 361 |
| Net loans and leases to core deposits | 117.3104% | 623 |
| Total domestic deposits to total assets | 71.4200% | 4,163 |
| Equity capital to assets | 9.4541% | 2,613 |
| Core capital (leverage) ratio | 9.4749% | 3,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6996% | 1,123 |
| Memoranda: | ||
| Average total assets | $431,118,000 | 1,977 |
| Average earning assets | $416,698,500 | 1,922 |
| Average equity | $40,652,500 | 2,008 |
| Average total loans | $317,303,000 | 1,812 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4857% | 3,882 |
| Cost of funding earning assets | 2.3301% | 1,484 |
| Net interest margin | 2.1556% | 4,184 |
| Noninterest income to average assets | 0.1900% | 3,762 |
| Noninterest expense to average assets | 2.3101% | 2,842 |
| Loan and lease loss provision to assets | -0.0200% | 4,147 |
| Net operating income to assets | 0.0145% | 4,153 |
| Return on assets (ROA) | 0.0145% | 4,182 |
| Pretax return on assets | -0.0202% | 4,203 |
| Return on Equity (ROE) | 0.1600% | 4,174 |
| Retained earnings to average equity (ytd only) | 0.1582% | 3,866 |
| Net charge-offs to loans | 0.0006% | 3,049 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,475 |
| Earnings coverage of net charge-offs (x) | -87.0000% | 4,499 |
| Efficiency ratio | 101.7360% | 248 |
| Assets per employee ($millions) | 7.8476% | 1,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5810% | 4,216 |
| Loan loss allowance to noncurrent loans | 347.2998% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 0.1244% | 2,844 |
| Noncurrent loans to loans | 0.1673% | 2,843 |
| Net loans and leases to total assets | 73.9400% | 1,410 |
| Net loans and leases to deposits | 105.1613% | 277 |
| Net loans and leases to core deposits | 124.3980% | 482 |
| Total domestic deposits to total assets | 70.3100% | 4,196 |
| Equity capital to assets | 9.4051% | 2,527 |
| Core capital (leverage) ratio | 9.3499% | 3,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2583% | 1,211 |
| Memoranda: | ||
| Average total assets | $441,415,800 | 1,933 |
| Average earning assets | $426,976,000 | 1,860 |
| Average equity | $40,466,400 | 1,972 |
| Average total loans | $321,030,600 | 1,782 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4322% | 3,918 |
| Cost of funding earning assets | 2.3241% | 1,488 |
| Net interest margin | 2.1080% | 4,228 |
| Noninterest income to average assets | 0.1700% | 3,870 |
| Noninterest expense to average assets | 2.3087% | 2,771 |
| Loan and lease loss provision to assets | -0.0100% | 4,132 |
| Net operating income to assets | -0.0354% | 4,253 |
| Return on assets (ROA) | -0.0354% | 4,269 |
| Pretax return on assets | -0.0832% | 4,277 |
| Return on Equity (ROE) | -0.3900% | 4,255 |
| Retained earnings to average equity (ytd only) | -0.3891% | 4,065 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 104.3018% | 228 |
| Assets per employee ($millions) | 8.0079% | 1,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5829% | 4,248 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 72.3000% | 1,575 |
| Net loans and leases to deposits | 105.5091% | 270 |
| Net loans and leases to core deposits | 125.1700% | 473 |
| Total domestic deposits to total assets | 68.5200% | 4,262 |
| Equity capital to assets | 9.1754% | 2,899 |
| Core capital (leverage) ratio | 9.2633% | 3,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2738% | 1,238 |
| Memoranda: | ||
| Average total assets | $443,865,500 | 1,914 |
| Average earning assets | $429,455,500 | 1,854 |
| Average equity | $40,434,500 | 1,971 |
| Average total loans | $321,033,750 | 1,780 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3818% | 3,941 |
| Cost of funding earning assets | 2.3040% | 1,434 |
| Net interest margin | 2.0778% | 4,255 |
| Noninterest income to average assets | 0.1600% | 3,924 |
| Noninterest expense to average assets | 2.3078% | 2,771 |
| Loan and lease loss provision to assets | -0.0100% | 4,151 |
| Net operating income to assets | -0.0674% | 4,289 |
| Return on assets (ROA) | -0.0674% | 4,315 |
| Pretax return on assets | -0.1236% | 4,322 |
| Return on Equity (ROE) | -0.7400% | 4,299 |
| Retained earnings to average equity (ytd only) | -0.7418% | 4,024 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 106.1389% | 209 |
| Assets per employee ($millions) | 7.9103% | 1,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5814% | 4,260 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 72.0700% | 1,640 |
| Net loans and leases to deposits | 98.3190% | 637 |
| Net loans and leases to core deposits | 117.3044% | 713 |
| Total domestic deposits to total assets | 73.3000% | 4,111 |
| Equity capital to assets | 9.1156% | 2,664 |
| Core capital (leverage) ratio | 9.1767% | 3,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3253% | 1,205 |
| Memoranda: | ||
| Average total assets | $445,008,333 | 1,905 |
| Average earning assets | $430,641,000 | 1,839 |
| Average equity | $40,442,000 | 1,934 |
| Average total loans | $321,282,667 | 1,777 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3005% | 3,962 |
| Cost of funding earning assets | 2.2888% | 1,360 |
| Net interest margin | 2.0117% | 4,305 |
| Noninterest income to average assets | 0.1400% | 4,022 |
| Noninterest expense to average assets | 2.2770% | 2,867 |
| Loan and lease loss provision to assets | -0.0300% | 4,282 |
| Net operating income to assets | -0.1022% | 4,340 |
| Return on assets (ROA) | -0.1022% | 4,329 |
| Pretax return on assets | -0.1677% | 4,340 |
| Return on Equity (ROE) | -1.1300% | 4,311 |
| Retained earnings to average equity (ytd only) | -1.1267% | 3,855 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 109.3454% | 191 |
| Assets per employee ($millions) | 7.9506% | 1,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5846% | 4,254 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 71.3500% | 1,638 |
| Net loans and leases to deposits | 97.0184% | 648 |
| Net loans and leases to core deposits | 119.0895% | 650 |
| Total domestic deposits to total assets | 73.5400% | 4,161 |
| Equity capital to assets | 9.0775% | 2,628 |
| Core capital (leverage) ratio | 9.1338% | 3,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2721% | 1,216 |
| Memoranda: | ||
| Average total assets | $446,025,000 | 1,902 |
| Average earning assets | $431,673,500 | 1,842 |
| Average equity | $40,473,000 | 1,934 |
| Average total loans | $321,375,000 | 1,768 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9893% | 3,981 |
| Cost of funding earning assets | 1.8386% | 1,188 |
| Net interest margin | 2.1506% | 4,346 |
| Noninterest income to average assets | 0.1500% | 4,057 |
| Noninterest expense to average assets | 2.2589% | 2,957 |
| Loan and lease loss provision to assets | -0.0300% | 4,371 |
| Net operating income to assets | 0.0408% | 4,295 |
| Return on assets (ROA) | 0.0408% | 4,322 |
| Pretax return on assets | 0.0121% | 4,329 |
| Return on Equity (ROE) | 0.4400% | 4,308 |
| Retained earnings to average equity (ytd only) | 0.4387% | 3,963 |
| Net charge-offs to loans | 0.0007% | 2,873 |
| Credit loss provision to net charge-offs | -7,250.0000% | 4,606 |
| Earnings coverage of net charge-offs (x) | -46.5000% | 4,583 |
| Efficiency ratio | 100.9694% | 172 |
| Assets per employee ($millions) | 8.7612% | 1,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5873% | 4,263 |
| Loan loss allowance to noncurrent loans | 612.2581% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 0.0694% | 3,103 |
| Noncurrent loans to loans | 0.0959% | 3,061 |
| Net loans and leases to total assets | 71.9100% | 1,593 |
| Net loans and leases to deposits | 90.6816% | 1,215 |
| Net loans and leases to core deposits | 110.2797% | 954 |
| Total domestic deposits to total assets | 79.3000% | 3,569 |
| Equity capital to assets | 9.0708% | 2,624 |
| Core capital (leverage) ratio | 9.2436% | 3,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3571% | 1,201 |
| Memoranda: | ||
| Average total assets | $428,837,000 | 1,926 |
| Average earning assets | $416,618,600 | 1,849 |
| Average equity | $39,893,000 | 1,891 |
| Average total loans | $307,297,200 | 1,764 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8877% | 4,017 |
| Cost of funding earning assets | 1.6924% | 1,204 |
| Net interest margin | 2.1953% | 4,356 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 2.3110% | 2,756 |
| Loan and lease loss provision to assets | -0.0500% | 4,475 |
| Net operating income to assets | 0.0540% | 4,347 |
| Return on assets (ROA) | 0.0540% | 4,369 |
| Pretax return on assets | 0.0110% | 4,380 |
| Return on Equity (ROE) | 0.5800% | 4,350 |
| Retained earnings to average equity (ytd only) | 0.5772% | 4,035 |
| Net charge-offs to loans | 0.0009% | 2,606 |
| Credit loss provision to net charge-offs | -7,250.0000% | 4,626 |
| Earnings coverage of net charge-offs (x) | -55.0000% | 4,620 |
| Efficiency ratio | 101.5183% | 161 |
| Assets per employee ($millions) | 7.7497% | 1,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9959% | 3,398 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 71.8800% | 1,590 |
| Net loans and leases to deposits | 89.8081% | 1,252 |
| Net loans and leases to core deposits | 107.6869% | 945 |
| Total domestic deposits to total assets | 80.0400% | 3,521 |
| Equity capital to assets | 9.1658% | 2,317 |
| Core capital (leverage) ratio | 9.3091% | 3,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8235% | 1,135 |
| Memoranda: | ||
| Average total assets | $424,341,500 | 1,938 |
| Average earning assets | $412,265,750 | 1,862 |
| Average equity | $39,733,750 | 1,882 |
| Average total loans | $303,321,500 | 1,783 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8044% | 4,013 |
| Cost of funding earning assets | 1.5059% | 1,229 |
| Net interest margin | 2.2985% | 4,363 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 2.3580% | 2,628 |
| Loan and lease loss provision to assets | -0.0500% | 4,500 |
| Net operating income to assets | 0.0936% | 4,366 |
| Return on assets (ROA) | 0.0936% | 4,401 |
| Pretax return on assets | 0.0660% | 4,415 |
| Return on Equity (ROE) | 0.9900% | 4,374 |
| Retained earnings to average equity (ytd only) | 0.9920% | 3,918 |
| Net charge-offs to loans | 0.0007% | 2,418 |
| Credit loss provision to net charge-offs | -11,000.0000% | 4,665 |
| Earnings coverage of net charge-offs (x) | 29.0000% | 1,569 |
| Efficiency ratio | 99.4193% | 179 |
| Assets per employee ($millions) | 7.6749% | 1,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0244% | 3,319 |
| Loan loss allowance to noncurrent loans | 3,566.2921% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.0207% | 3,620 |
| Noncurrent loans to loans | 0.0287% | 3,551 |
| Net loans and leases to total assets | 71.3500% | 1,602 |
| Net loans and leases to deposits | 85.1470% | 1,578 |
| Net loans and leases to core deposits | 101.2163% | 1,173 |
| Total domestic deposits to total assets | 83.8000% | 2,872 |
| Equity capital to assets | 9.2612% | 2,340 |
| Core capital (leverage) ratio | 9.5410% | 3,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0889% | 1,110 |
| Memoranda: | ||
| Average total assets | $421,128,333 | 1,949 |
| Average earning assets | $409,055,667 | 1,877 |
| Average equity | $39,719,000 | 1,890 |
| Average total loans | $299,402,000 | 1,784 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7618% | 3,920 |
| Cost of funding earning assets | 1.3377% | 1,155 |
| Net interest margin | 2.4241% | 4,369 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 2.3561% | 2,649 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.1353% | 4,411 |
| Return on assets (ROA) | 0.1353% | 4,384 |
| Pretax return on assets | 0.1238% | 4,392 |
| Return on Equity (ROE) | 1.4200% | 4,349 |
| Retained earnings to average equity (ytd only) | 1.4215% | 3,798 |
| Net charge-offs to loans | 0.0027% | 1,928 |
| Credit loss provision to net charge-offs | 500.0000% | 542 |
| Earnings coverage of net charge-offs (x) | 69.5000% | 951 |
| Efficiency ratio | 94.6415% | 243 |
| Assets per employee ($millions) | 7.5552% | 1,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1165% | 2,971 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 70.1800% | 1,607 |
| Net loans and leases to deposits | 82.1619% | 1,644 |
| Net loans and leases to core deposits | 99.1433% | 1,131 |
| Total domestic deposits to total assets | 85.4200% | 2,745 |
| Equity capital to assets | 9.5652% | 2,089 |
| Core capital (leverage) ratio | 9.5306% | 3,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3767% | 1,095 |
| Memoranda: | ||
| Average total assets | $416,795,000 | 1,987 |
| Average earning assets | $404,269,500 | 1,923 |
| Average equity | $39,676,500 | 1,914 |
| Average total loans | $294,185,500 | 1,817 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3664% | 3,429 |
| Cost of funding earning assets | 0.4708% | 1,583 |
| Net interest margin | 2.8956% | 3,693 |
| Noninterest income to average assets | 0.1600% | 4,171 |
| Noninterest expense to average assets | 2.4980% | 2,120 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.3550% | 4,302 |
| Return on assets (ROA) | 0.3550% | 4,267 |
| Pretax return on assets | 0.4278% | 4,251 |
| Return on Equity (ROE) | 3.5300% | 4,234 |
| Retained earnings to average equity (ytd only) | 3.5347% | 3,554 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 84.3358% | 477 |
| Assets per employee ($millions) | 7.6010% | 1,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1195% | 2,796 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 69.4100% | 1,694 |
| Net loans and leases to deposits | 85.1847% | 1,377 |
| Net loans and leases to core deposits | 101.8713% | 905 |
| Total domestic deposits to total assets | 81.4800% | 3,697 |
| Equity capital to assets | 9.4739% | 2,030 |
| Core capital (leverage) ratio | 9.5863% | 3,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3336% | 1,078 |
| Memoranda: | ||
| Average total assets | $387,305,600 | 2,073 |
| Average earning assets | $375,121,000 | 2,004 |
| Average equity | $38,899,800 | 1,959 |
| Average total loans | $265,534,000 | 1,870 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2590% | 3,290 |
| Cost of funding earning assets | 0.3064% | 2,100 |
| Net interest margin | 2.9526% | 3,355 |
| Noninterest income to average assets | 0.1700% | 4,154 |
| Noninterest expense to average assets | 2.5558% | 1,842 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.3776% | 4,275 |
| Return on assets (ROA) | 0.3776% | 4,221 |
| Pretax return on assets | 0.4590% | 4,198 |
| Return on Equity (ROE) | 3.7000% | 4,199 |
| Retained earnings to average equity (ytd only) | 3.7014% | 3,554 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 84.4788% | 522 |
| Assets per employee ($millions) | 7.8186% | 1,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1186% | 2,926 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 69.0300% | 1,566 |
| Net loans and leases to deposits | 82.6919% | 1,387 |
| Net loans and leases to core deposits | 97.5103% | 922 |
| Total domestic deposits to total assets | 83.4800% | 3,607 |
| Equity capital to assets | 9.6678% | 1,790 |
| Core capital (leverage) ratio | 10.0417% | 2,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6975% | 1,046 |
| Memoranda: | ||
| Average total assets | $379,618,500 | 2,118 |
| Average earning assets | $367,707,750 | 2,051 |
| Average equity | $38,723,250 | 1,993 |
| Average total loans | $258,557,000 | 1,904 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1861% | 3,086 |
| Cost of funding earning assets | 0.2069% | 2,826 |
| Net interest margin | 2.9792% | 2,942 |
| Noninterest income to average assets | 0.1700% | 4,159 |
| Noninterest expense to average assets | 2.6171% | 1,588 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3610% | 4,184 |
| Return on assets (ROA) | 0.3610% | 4,143 |
| Pretax return on assets | 0.4360% | 4,108 |
| Return on Equity (ROE) | 3.4727% | 4,140 |
| Retained earnings to average equity (ytd only) | 3.4727% | 3,283 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7193% | 590 |
| Assets per employee ($millions) | 6.7184% | 2,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2367% | 2,487 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 66.7556% | 1,605 |
| Net loans and leases to deposits | 78.1039% | 1,534 |
| Net loans and leases to core deposits | 84.7654% | 1,408 |
| Total domestic deposits to total assets | 85.4703% | 3,375 |
| Equity capital to assets | 10.3397% | 1,511 |
| Core capital (leverage) ratio | 10.4640% | 1,972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0827% | 838 |
| Memoranda: | ||
| Average total assets | $370,635,333 | 2,156 |
| Average earning assets | $358,688,333 | 2,107 |
| Average equity | $38,529,000 | 2,058 |
| Average total loans | $250,130,000 | 1,944 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1290% | 2,881 |
| Cost of funding earning assets | 0.2195% | 2,539 |
| Net interest margin | 2.9096% | 2,803 |
| Noninterest income to average assets | 0.1783% | 4,104 |
| Noninterest expense to average assets | 2.7197% | 1,314 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2403% | 4,258 |
| Return on assets (ROA) | 0.2403% | 4,231 |
| Pretax return on assets | 0.2697% | 4,231 |
| Return on Equity (ROE) | 2.3055% | 4,215 |
| Retained earnings to average equity (ytd only) | 2.3055% | 3,461 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9785% | 507 |
| Assets per employee ($millions) | 6.8936% | 2,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2906% | 2,409 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 64.6155% | 1,545 |
| Net loans and leases to deposits | 74.1751% | 1,594 |
| Net loans and leases to core deposits | 81.8862% | 1,357 |
| Total domestic deposits to total assets | 87.1121% | 2,887 |
| Equity capital to assets | 10.3297% | 1,675 |
| Core capital (leverage) ratio | 10.5304% | 1,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5685% | 818 |
| Memoranda: | ||
| Average total assets | $367,838,500 | 2,172 |
| Average earning assets | $355,380,500 | 2,128 |
| Average equity | $38,343,000 | 2,117 |
| Average total loans | $248,045,500 | 1,946 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5098% | 2,634 |
| Cost of funding earning assets | 0.3738% | 1,729 |
| Net interest margin | 3.1360% | 2,777 |
| Noninterest income to average assets | 0.5173% | 2,491 |
| Noninterest expense to average assets | 2.8611% | 1,230 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5304% | 4,020 |
| Return on assets (ROA) | 0.5304% | 4,068 |
| Pretax return on assets | 0.6767% | 3,977 |
| Return on Equity (ROE) | 4.9903% | 4,001 |
| Retained earnings to average equity (ytd only) | 4.9903% | 2,786 |
| Net charge-offs to loans | 0.0004% | 2,692 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 2,374.0000% | 56 |
| Efficiency ratio | 80.8733% | 758 |
| Assets per employee ($millions) | 6.1597% | 2,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2460% | 2,639 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 68.5888% | 1,200 |
| Net loans and leases to deposits | 79.9601% | 1,218 |
| Net loans and leases to core deposits | 84.9742% | 1,265 |
| Total domestic deposits to total assets | 85.7788% | 2,981 |
| Equity capital to assets | 10.5203% | 2,162 |
| Core capital (leverage) ratio | 10.9854% | 1,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8475% | 915 |
| Memoranda: | ||
| Average total assets | $350,841,200 | 2,191 |
| Average earning assets | $337,911,000 | 2,144 |
| Average equity | $37,292,200 | 2,185 |
| Average total loans | $261,261,600 | 1,874 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5548% | 2,684 |
| Cost of funding earning assets | 0.4060% | 1,657 |
| Net interest margin | 3.1488% | 2,901 |
| Noninterest income to average assets | 0.5464% | 2,423 |
| Noninterest expense to average assets | 2.9097% | 1,113 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5230% | 4,153 |
| Return on assets (ROA) | 0.5230% | 4,201 |
| Pretax return on assets | 0.6676% | 4,125 |
| Return on Equity (ROE) | 4.9076% | 4,134 |
| Retained earnings to average equity (ytd only) | 4.9076% | 3,253 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3378% | 677 |
| Assets per employee ($millions) | 5.9249% | 2,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2219% | 2,886 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 72.7554% | 799 |
| Net loans and leases to deposits | 85.5506% | 854 |
| Net loans and leases to core deposits | 92.8374% | 878 |
| Total domestic deposits to total assets | 85.0438% | 3,100 |
| Equity capital to assets | 10.7954% | 2,168 |
| Core capital (leverage) ratio | 10.8409% | 1,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4784% | 1,053 |
| Memoranda: | ||
| Average total assets | $347,696,250 | 2,231 |
| Average earning assets | $334,678,000 | 2,183 |
| Average equity | $37,057,000 | 2,225 |
| Average total loans | $263,474,250 | 1,895 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5733% | 2,706 |
| Cost of funding earning assets | 0.4470% | 1,546 |
| Net interest margin | 3.1263% | 2,968 |
| Noninterest income to average assets | 0.6154% | 2,148 |
| Noninterest expense to average assets | 3.0155% | 962 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.4783% | 4,263 |
| Return on assets (ROA) | 0.4783% | 4,304 |
| Pretax return on assets | 0.6068% | 4,221 |
| Return on Equity (ROE) | 4.5072% | 4,233 |
| Retained earnings to average equity (ytd only) | 4.5072% | 3,360 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2485% | 596 |
| Assets per employee ($millions) | 6.0740% | 2,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2173% | 2,834 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 73.7381% | 783 |
| Net loans and leases to deposits | 86.6746% | 869 |
| Net loans and leases to core deposits | 94.3112% | 892 |
| Total domestic deposits to total assets | 85.0746% | 3,059 |
| Equity capital to assets | 10.7456% | 2,191 |
| Core capital (leverage) ratio | 10.6361% | 1,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5535% | 1,023 |
| Memoranda: | ||
| Average total assets | $347,072,667 | 2,216 |
| Average earning assets | $333,808,333 | 2,174 |
| Average equity | $36,830,333 | 2,226 |
| Average total loans | $265,474,000 | 1,899 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6865% | 2,396 |
| Cost of funding earning assets | 0.4919% | 1,442 |
| Net interest margin | 3.1946% | 2,720 |
| Noninterest income to average assets | 0.7643% | 1,675 |
| Noninterest expense to average assets | 3.0273% | 949 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6227% | 3,883 |
| Return on assets (ROA) | 0.6227% | 3,952 |
| Pretax return on assets | 0.8092% | 3,794 |
| Return on Equity (ROE) | 5.9055% | 3,885 |
| Retained earnings to average equity (ytd only) | 5.9055% | 2,930 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9079% | 900 |
| Assets per employee ($millions) | 6.0351% | 2,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1933% | 2,969 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 74.4213% | 777 |
| Net loans and leases to deposits | 89.0060% | 763 |
| Net loans and leases to core deposits | 98.1360% | 801 |
| Total domestic deposits to total assets | 83.6137% | 3,541 |
| Equity capital to assets | 10.5457% | 2,224 |
| Core capital (leverage) ratio | 10.5998% | 2,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3483% | 1,017 |
| Memoranda: | ||
| Average total assets | $347,501,000 | 2,203 |
| Average earning assets | $334,190,500 | 2,153 |
| Average equity | $36,644,000 | 2,222 |
| Average total loans | $268,991,500 | 1,880 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8871% | 3,064 |
| Cost of funding earning assets | 0.8362% | 1,069 |
| Net interest margin | 3.0509% | 3,749 |
| Noninterest income to average assets | 0.5825% | 2,291 |
| Noninterest expense to average assets | 3.0057% | 1,422 |
| Loan and lease loss provision to assets | 0.0139% | 4,201 |
| Net operating income to assets | 0.3930% | 4,257 |
| Return on assets (ROA) | 0.3943% | 4,338 |
| Pretax return on assets | 0.4999% | 4,270 |
| Return on Equity (ROE) | 4.0018% | 4,158 |
| Retained earnings to average equity (ytd only) | 4.0018% | 2,818 |
| Net charge-offs to loans | 0.0003% | 3,433 |
| Credit loss provision to net charge-offs | 5,000.0000% | 207 |
| Earnings coverage of net charge-offs (x) | 1,848.0000% | 63 |
| Efficiency ratio | 85.4419% | 548 |
| Assets per employee ($millions) | 5.9477% | 2,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1468% | 3,224 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 78.6135% | 538 |
| Net loans and leases to deposits | 95.4390% | 577 |
| Net loans and leases to core deposits | 106.7560% | 613 |
| Total domestic deposits to total assets | 82.3704% | 3,574 |
| Equity capital to assets | 10.5443% | 2,632 |
| Core capital (leverage) ratio | 10.5039% | 2,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6474% | 1,117 |
| Memoranda: | ||
| Average total assets | $360,847,800 | 2,004 |
| Average earning assets | $347,177,800 | 1,949 |
| Average equity | $35,559,200 | 2,206 |
| Average total loans | $291,371,000 | 1,717 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9208% | 3,186 |
| Cost of funding earning assets | 0.9054% | 1,056 |
| Net interest margin | 3.0154% | 3,939 |
| Noninterest income to average assets | 0.5215% | 2,520 |
| Noninterest expense to average assets | 2.9866% | 1,469 |
| Loan and lease loss provision to assets | 0.0184% | 4,102 |
| Net operating income to assets | 0.3343% | 4,384 |
| Return on assets (ROA) | 0.3340% | 4,441 |
| Pretax return on assets | 0.4181% | 4,409 |
| Return on Equity (ROE) | 3.4468% | 4,308 |
| Retained earnings to average equity (ytd only) | 3.4468% | 3,338 |
| Net charge-offs to loans | 0.0005% | 3,234 |
| Credit loss provision to net charge-offs | 5,000.0000% | 230 |
| Earnings coverage of net charge-offs (x) | 1,195.0000% | 96 |
| Efficiency ratio | 87.2424% | 450 |
| Assets per employee ($millions) | 6.1549% | 2,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1228% | 3,082 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 78.9662% | 714 |
| Net loans and leases to deposits | 98.1228% | 618 |
| Net loans and leases to core deposits | 108.1006% | 767 |
| Total domestic deposits to total assets | 80.4769% | 3,769 |
| Equity capital to assets | 10.2226% | 3,041 |
| Core capital (leverage) ratio | 10.0819% | 2,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2835% | 1,190 |
| Memoranda: | ||
| Average total assets | $364,818,500 | 1,960 |
| Average earning assets | $351,074,750 | 1,917 |
| Average equity | $35,355,500 | 2,203 |
| Average total loans | $295,630,000 | 1,698 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9793% | 3,380 |
| Cost of funding earning assets | 0.9908% | 1,015 |
| Net interest margin | 2.9886% | 4,149 |
| Noninterest income to average assets | 0.4222% | 2,958 |
| Noninterest expense to average assets | 2.9717% | 1,655 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.2646% | 4,474 |
| Return on assets (ROA) | 0.2642% | 4,518 |
| Pretax return on assets | 0.3237% | 4,506 |
| Return on Equity (ROE) | 2.7738% | 4,392 |
| Retained earnings to average equity (ytd only) | 2.7738% | 3,471 |
| Net charge-offs to loans | 0.0020% | 2,945 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 199.6667% | 452 |
| Efficiency ratio | 90.1626% | 383 |
| Assets per employee ($millions) | 6.5944% | 1,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0887% | 3,133 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 76.1213% | 1,122 |
| Net loans and leases to deposits | 95.8382% | 814 |
| Net loans and leases to core deposits | 110.1620% | 733 |
| Total domestic deposits to total assets | 79.4268% | 3,949 |
| Equity capital to assets | 9.5963% | 3,567 |
| Core capital (leverage) ratio | 9.6435% | 3,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2110% | 1,204 |
| Memoranda: | ||
| Average total assets | $369,481,000 | 1,922 |
| Average earning assets | $355,285,667 | 1,874 |
| Average equity | $35,186,000 | 2,193 |
| Average total loans | $300,778,667 | 1,661 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1732% | 3,310 |
| Cost of funding earning assets | 1.1083% | 1,020 |
| Net interest margin | 3.0648% | 4,171 |
| Noninterest income to average assets | 0.3193% | 3,607 |
| Noninterest expense to average assets | 2.9601% | 1,983 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.2493% | 4,451 |
| Return on assets (ROA) | 0.2359% | 4,491 |
| Pretax return on assets | 0.2879% | 4,474 |
| Return on Equity (ROE) | 2.4872% | 4,340 |
| Retained earnings to average equity (ytd only) | 2.4872% | 3,267 |
| Net charge-offs to loans | 0.0013% | 2,551 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 281.0000% | 253 |
| Efficiency ratio | 90.6830% | 475 |
| Assets per employee ($millions) | 6.3860% | 1,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0122% | 3,639 |
| 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 | 81.7437% | 465 |
| Net loans and leases to deposits | 105.1909% | 321 |
| Net loans and leases to core deposits | 123.2833% | 380 |
| Total domestic deposits to total assets | 77.7099% | 4,265 |
| Equity capital to assets | 9.4957% | 4,224 |
| Core capital (leverage) ratio | 9.5499% | 3,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2626% | 1,821 |
| Memoranda: | ||
| Average total assets | $369,578,000 | 1,889 |
| Average earning assets | $355,127,000 | 1,832 |
| Average equity | $35,060,000 | 2,195 |
| Average total loans | $309,068,000 | 1,599 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2217% | 3,760 |
| Cost of funding earning assets | 1.1547% | 1,144 |
| Net interest margin | 3.0671% | 4,419 |
| Noninterest income to average assets | 0.2692% | 4,069 |
| Noninterest expense to average assets | 2.8396% | 2,475 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.3725% | 4,647 |
| Return on assets (ROA) | 0.3717% | 4,678 |
| Pretax return on assets | 0.3936% | 4,720 |
| Return on Equity (ROE) | 3.9626% | 4,468 |
| Retained earnings to average equity (ytd only) | 3.9626% | 2,980 |
| Net charge-offs to loans | 0.0006% | 3,711 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 721.5000% | 142 |
| Efficiency ratio | 87.8053% | 452 |
| Assets per employee ($millions) | 6.3581% | 1,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9918% | 3,565 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 83.8397% | 334 |
| Net loans and leases to deposits | 109.0973% | 207 |
| Net loans and leases to core deposits | 127.1677% | 324 |
| Total domestic deposits to total assets | 76.8486% | 4,506 |
| Equity capital to assets | 9.4772% | 4,374 |
| Core capital (leverage) ratio | 9.5221% | 4,037 |
| Tier 1 risk-based capital ratio | 13.8442% | 3,346 |
| Total risk-based capital ratio | 15.0710% | 3,263 |
| Memoranda: | ||
| Average total assets | $365,891,400 | 1,858 |
| Average earning assets | $353,693,800 | 1,802 |
| Average equity | $34,320,800 | 2,175 |
| Average total loans | $311,348,200 | 1,557 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2405% | 3,828 |
| Cost of funding earning assets | 1.1483% | 1,180 |
| Net interest margin | 3.0922% | 4,491 |
| Noninterest income to average assets | 0.2370% | 4,317 |
| Noninterest expense to average assets | 2.8220% | 2,508 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4031% | 4,718 |
| Return on assets (ROA) | 0.4031% | 4,744 |
| Pretax return on assets | 0.4097% | 4,803 |
| Return on Equity (ROE) | 4.3085% | 4,528 |
| Retained earnings to average equity (ytd only) | 4.3085% | 3,241 |
| Net charge-offs to loans | 0.0004% | 3,450 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 1,124.7820% | 77 |
| Efficiency ratio | 87.3235% | 438 |
| Assets per employee ($millions) | 6.3191% | 1,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9853% | 3,656 |
| 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 | 84.9470% | 259 |
| Net loans and leases to deposits | 109.8280% | 226 |
| Net loans and leases to core deposits | 128.8713% | 308 |
| Total domestic deposits to total assets | 77.3455% | 4,466 |
| Equity capital to assets | 9.4645% | 4,486 |
| Core capital (leverage) ratio | 9.5586% | 4,107 |
| Tier 1 risk-based capital ratio | 13.8353% | 3,407 |
| Total risk-based capital ratio | 15.0675% | 3,327 |
| Memoranda: | ||
| Average total assets | $365,172,250 | 1,879 |
| Average earning assets | $353,659,000 | 1,814 |
| Average equity | $34,163,750 | 2,199 |
| Average total loans | $311,117,500 | 1,568 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2443% | 3,809 |
| Cost of funding earning assets | 1.1278% | 1,203 |
| Net interest margin | 3.1165% | 4,504 |
| Noninterest income to average assets | 0.2100% | 4,483 |
| Noninterest expense to average assets | 2.8547% | 2,398 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4140% | 4,712 |
| Return on assets (ROA) | 0.4140% | 4,733 |
| Pretax return on assets | 0.3707% | 4,861 |
| Return on Equity (ROE) | 4.4426% | 4,483 |
| Retained earnings to average equity (ytd only) | 4.4426% | 3,042 |
| Net charge-offs to loans | 0.0013% | 3,133 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 338.0000% | 229 |
| Efficiency ratio | 88.5073% | 417 |
| Assets per employee ($millions) | 6.0789% | 1,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9956% | 3,655 |
| 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 | 84.4408% | 327 |
| Net loans and leases to deposits | 108.0550% | 270 |
| Net loans and leases to core deposits | 126.4622% | 379 |
| Total domestic deposits to total assets | 78.1461% | 4,366 |
| Equity capital to assets | 9.4123% | 4,488 |
| Core capital (leverage) ratio | 9.5020% | 4,140 |
| Tier 1 risk-based capital ratio | 13.9033% | 3,369 |
| Total risk-based capital ratio | 15.1536% | 3,270 |
| Memoranda: | ||
| Average total assets | $364,728,000 | 1,887 |
| Average earning assets | $352,896,670 | 1,825 |
| Average equity | $33,989,000 | 2,196 |
| Average total loans | $310,012,330 | 1,575 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2940% | 3,584 |
| Cost of funding earning assets | 1.0908% | 1,216 |
| Net interest margin | 3.2032% | 4,379 |
| Noninterest income to average assets | 0.2073% | 4,506 |
| Noninterest expense to average assets | 2.8624% | 2,380 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5813% | 4,297 |
| Return on assets (ROA) | 0.5813% | 4,332 |
| Pretax return on assets | 0.4398% | 4,789 |
| Return on Equity (ROE) | 6.2688% | 3,935 |
| Retained earnings to average equity (ytd only) | 6.2688% | 2,337 |
| Net charge-offs to loans | 0.0013% | 2,717 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 401.0000% | 196 |
| Efficiency ratio | 86.6822% | 538 |
| Assets per employee ($millions) | 6.1690% | 1,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0105% | 3,627 |
| 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 | 83.3765% | 431 |
| Net loans and leases to deposits | 109.6919% | 224 |
| Net loans and leases to core deposits | 130.4263% | 304 |
| Total domestic deposits to total assets | 76.0098% | 4,758 |
| Equity capital to assets | 9.3653% | 4,369 |
| Core capital (leverage) ratio | 9.3838% | 4,277 |
| Tier 1 risk-based capital ratio | 13.9212% | 3,381 |
| Total risk-based capital ratio | 15.1712% | 3,298 |
| Memoranda: | ||
| Average total assets | $364,724,000 | 1,897 |
| Average earning assets | $352,398,500 | 1,840 |
| Average equity | $33,818,500 | 2,198 |
| Average total loans | $309,477,000 | 1,592 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0380% | 3,920 |
| Cost of funding earning assets | 0.9041% | 1,072 |
| Net interest margin | 3.1339% | 4,600 |
| Noninterest income to average assets | 0.2643% | 4,347 |
| Noninterest expense to average assets | 2.8128% | 2,647 |
| Loan and lease loss provision to assets | 0.0279% | 3,617 |
| Net operating income to assets | 0.3528% | 4,938 |
| Return on assets (ROA) | 0.3528% | 4,935 |
| Pretax return on assets | 0.4523% | 4,871 |
| Return on Equity (ROE) | 3.8834% | 4,738 |
| Retained earnings to average equity (ytd only) | 3.8834% | 3,444 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4156% | 560 |
| Assets per employee ($millions) | 6.4118% | 1,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9920% | 3,750 |
| 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 | 84.6266% | 357 |
| Net loans and leases to deposits | 112.7220% | 189 |
| Net loans and leases to core deposits | 133.5272% | 267 |
| Total domestic deposits to total assets | 75.0754% | 4,863 |
| Equity capital to assets | 9.1798% | 4,424 |
| Core capital (leverage) ratio | 9.3201% | 4,338 |
| Tier 1 risk-based capital ratio | 13.4810% | 3,556 |
| Total risk-based capital ratio | 14.7214% | 3,469 |
| Memoranda: | ||
| Average total assets | $361,668,000 | 1,870 |
| Average earning assets | $349,529,600 | 1,812 |
| Average equity | $32,857,400 | 2,159 |
| Average total loans | $306,669,600 | 1,571 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0075% | 3,902 |
| Cost of funding earning assets | 0.8731% | 1,025 |
| Net interest margin | 3.1344% | 4,645 |
| Noninterest income to average assets | 0.2639% | 4,391 |
| Noninterest expense to average assets | 2.8528% | 2,450 |
| Loan and lease loss provision to assets | 0.0251% | 3,513 |
| Net operating income to assets | 0.3264% | 5,065 |
| Return on assets (ROA) | 0.3264% | 5,058 |
| Pretax return on assets | 0.4166% | 5,022 |
| Return on Equity (ROE) | 3.6020% | 4,904 |
| Retained earnings to average equity (ytd only) | 3.6020% | 3,967 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5926% | 485 |
| Assets per employee ($millions) | 6.0526% | 1,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9999% | 3,765 |
| Loan loss allowance to noncurrent loans | 878.5100% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.0961% | 4,495 |
| Noncurrent loans to loans | 0.1138% | 4,382 |
| Net loans and leases to total assets | 83.5922% | 501 |
| Net loans and leases to deposits | 111.4243% | 250 |
| Net loans and leases to core deposits | 129.4017% | 345 |
| Total domestic deposits to total assets | 75.0215% | 4,882 |
| Equity capital to assets | 9.1280% | 4,439 |
| Core capital (leverage) ratio | 9.1691% | 4,543 |
| Tier 1 risk-based capital ratio | 13.6799% | 3,528 |
| Total risk-based capital ratio | 14.9304% | 3,442 |
| Memoranda: | ||
| Average total assets | $360,716,250 | 1,880 |
| Average earning assets | $348,771,750 | 1,819 |
| Average equity | $32,684,250 | 2,179 |
| Average total loans | $305,240,000 | 1,584 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9676% | 3,879 |
| Cost of funding earning assets | 0.8469% | 932 |
| Net interest margin | 3.1207% | 4,687 |
| Noninterest income to average assets | 0.2540% | 4,493 |
| Noninterest expense to average assets | 2.8769% | 2,419 |
| Loan and lease loss provision to assets | 0.0678% | 2,527 |
| Net operating income to assets | 0.2667% | 5,164 |
| Return on assets (ROA) | 0.2667% | 5,158 |
| Pretax return on assets | 0.3256% | 5,137 |
| Return on Equity (ROE) | 2.9512% | 5,036 |
| Retained earnings to average equity (ytd only) | 2.9512% | 4,072 |
| Net charge-offs to loans | -0.0007% | 3,871 |
| Credit loss provision to net charge-offs | -12,200.0000% | 4,821 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9694% | 467 |
| Assets per employee ($millions) | 6.3948% | 1,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0000% | 3,839 |
| Loan loss allowance to noncurrent loans | 894.2693% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.0957% | 4,533 |
| Noncurrent loans to loans | 0.1118% | 4,407 |
| Net loans and leases to total assets | 84.7692% | 377 |
| Net loans and leases to deposits | 113.5030% | 206 |
| Net loans and leases to core deposits | 130.9533% | 316 |
| Total domestic deposits to total assets | 74.6845% | 4,981 |
| Equity capital to assets | 8.9854% | 4,574 |
| Core capital (leverage) ratio | 9.0755% | 4,612 |
| Tier 1 risk-based capital ratio | 13.0865% | 3,856 |
| Total risk-based capital ratio | 14.3285% | 3,775 |
| Memoranda: | ||
| Average total assets | $359,903,000 | 1,885 |
| Average earning assets | $347,866,670 | 1,829 |
| Average equity | $32,529,330 | 2,194 |
| Average total loans | $304,774,670 | 1,576 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9317% | 3,847 |
| Cost of funding earning assets | 0.8232% | 854 |
| Net interest margin | 3.1086% | 4,689 |
| Noninterest income to average assets | 0.2640% | 4,415 |
| Noninterest expense to average assets | 2.9239% | 2,273 |
| Loan and lease loss provision to assets | 0.0280% | 3,149 |
| Net operating income to assets | 0.2707% | 5,133 |
| Return on assets (ROA) | 0.2707% | 5,135 |
| Pretax return on assets | 0.3154% | 5,153 |
| Return on Equity (ROE) | 2.9860% | 5,023 |
| Retained earnings to average equity (ytd only) | 2.9860% | 4,007 |
| Net charge-offs to loans | -0.0013% | 3,775 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4899% | 467 |
| Assets per employee ($millions) | 5.9705% | 1,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9999% | 3,960 |
| 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 | 83.5787% | 481 |
| Net loans and leases to deposits | 108.8595% | 295 |
| Net loans and leases to core deposits | 126.5454% | 409 |
| Total domestic deposits to total assets | 76.7767% | 4,886 |
| Equity capital to assets | 9.0791% | 4,479 |
| Core capital (leverage) ratio | 9.1427% | 4,519 |
| Tier 1 risk-based capital ratio | 13.4825% | 3,662 |
| Total risk-based capital ratio | 14.7314% | 3,579 |
| Memoranda: | ||
| Average total assets | $357,602,500 | 1,909 |
| Average earning assets | $345,497,000 | 1,849 |
| Average equity | $32,418,000 | 2,211 |
| Average total loans | $301,108,000 | 1,596 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9033% | 3,716 |
| Cost of funding earning assets | 0.7134% | 957 |
| Net interest margin | 3.1900% | 4,474 |
| Noninterest income to average assets | 0.2875% | 4,406 |
| Noninterest expense to average assets | 2.8194% | 2,709 |
| Loan and lease loss provision to assets | 0.1543% | 1,462 |
| Net operating income to assets | 0.6002% | 4,011 |
| Return on assets (ROA) | 0.6377% | 3,898 |
| Pretax return on assets | 0.4345% | 5,035 |
| Return on Equity (ROE) | 7.0432% | 3,252 |
| Retained earnings to average equity (ytd only) | 7.0432% | 1,058 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6446% | 801 |
| Assets per employee ($millions) | 6.2627% | 1,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0000% | 3,952 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 83.1403% | 537 |
| Net loans and leases to deposits | 108.3258% | 314 |
| Net loans and leases to core deposits | 125.9896% | 434 |
| Total domestic deposits to total assets | 76.7502% | 4,891 |
| Equity capital to assets | 9.0516% | 4,668 |
| Core capital (leverage) ratio | 9.1608% | 4,448 |
| Tier 1 risk-based capital ratio | 13.4772% | 3,638 |
| Total risk-based capital ratio | 14.7246% | 3,553 |
| Memoranda: | ||
| Average total assets | $341,557,600 | 1,954 |
| Average earning assets | $330,127,000 | 1,894 |
| Average equity | $30,923,600 | 2,295 |
| Average total loans | $284,278,400 | 1,635 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9045% | 3,667 |
| Cost of funding earning assets | 0.6860% | 1,033 |
| Net interest margin | 3.2185% | 4,404 |
| Noninterest income to average assets | 0.2779% | 4,522 |
| Noninterest expense to average assets | 2.8328% | 2,622 |
| Loan and lease loss provision to assets | 0.1402% | 1,517 |
| Net operating income to assets | 0.2850% | 5,247 |
| Return on assets (ROA) | 0.3194% | 5,209 |
| Pretax return on assets | 0.4675% | 5,089 |
| Return on Equity (ROE) | 3.5277% | 4,972 |
| Retained earnings to average equity (ytd only) | 3.5277% | 3,808 |
| Net charge-offs to loans | 0.0005% | 3,786 |
| Credit loss provision to net charge-offs | 35,500.0000% | 7 |
| Earnings coverage of net charge-offs (x) | 1,414.5038% | 68 |
| Efficiency ratio | 83.5663% | 789 |
| Assets per employee ($millions) | 6.0676% | 1,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9591% | 4,283 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 81.4854% | 772 |
| Net loans and leases to deposits | 106.3832% | 398 |
| Net loans and leases to core deposits | 122.7496% | 493 |
| Total domestic deposits to total assets | 76.5961% | 4,946 |
| Equity capital to assets | 8.6498% | 5,190 |
| Core capital (leverage) ratio | 8.7906% | 4,978 |
| Tier 1 risk-based capital ratio | 13.2741% | 3,835 |
| Total risk-based capital ratio | 14.4830% | 3,778 |
| Memoranda: | ||
| Average total assets | $337,703,250 | 1,982 |
| Average earning assets | $326,518,750 | 1,921 |
| Average equity | $30,576,500 | 2,334 |
| Average total loans | $280,401,000 | 1,664 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9157% | 3,502 |
| Cost of funding earning assets | 0.6424% | 1,193 |
| Net interest margin | 3.2733% | 4,197 |
| Noninterest income to average assets | 0.2363% | 4,825 |
| Noninterest expense to average assets | 2.8893% | 2,459 |
| Loan and lease loss provision to assets | 0.1783% | 1,072 |
| Net operating income to assets | 0.2305% | 5,350 |
| Return on assets (ROA) | 0.2846% | 5,271 |
| Pretax return on assets | 0.4085% | 5,167 |
| Return on Equity (ROE) | 3.0939% | 5,087 |
| Retained earnings to average equity (ytd only) | 3.0939% | 3,869 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0107% | 760 |
| Assets per employee ($millions) | 5.9094% | 1,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9537% | 4,397 |
| 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 | 83.8106% | 468 |
| Net loans and leases to deposits | 109.5160% | 273 |
| Net loans and leases to core deposits | 122.0072% | 490 |
| Total domestic deposits to total assets | 76.5282% | 5,024 |
| Equity capital to assets | 8.9382% | 4,955 |
| Core capital (leverage) ratio | 9.0855% | 4,629 |
| Tier 1 risk-based capital ratio | 13.3506% | 3,777 |
| Total risk-based capital ratio | 14.5541% | 3,716 |
| Memoranda: | ||
| Average total assets | $330,942,000 | 2,017 |
| Average earning assets | $319,741,000 | 1,951 |
| Average equity | $30,447,000 | 2,341 |
| Average total loans | $275,690,670 | 1,687 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9204% | 3,323 |
| Cost of funding earning assets | 0.6079% | 1,318 |
| Net interest margin | 3.3125% | 3,964 |
| Noninterest income to average assets | 0.2350% | 4,860 |
| Noninterest expense to average assets | 2.9916% | 2,182 |
| Loan and lease loss provision to assets | 0.0738% | 2,327 |
| Net operating income to assets | 0.2516% | 5,301 |
| Return on assets (ROA) | 0.3286% | 5,155 |
| Pretax return on assets | 0.4812% | 5,003 |
| Return on Equity (ROE) | 3.5186% | 4,956 |
| Retained earnings to average equity (ytd only) | 3.5186% | 3,684 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1326% | 722 |
| Assets per employee ($millions) | 6.0016% | 1,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9159% | 4,696 |
| 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 | 81.4678% | 626 |
| Net loans and leases to deposits | 105.7493% | 329 |
| Net loans and leases to core deposits | 116.3776% | 581 |
| Total domestic deposits to total assets | 77.0386% | 5,108 |
| Equity capital to assets | 9.0607% | 4,750 |
| Core capital (leverage) ratio | 9.3820% | 4,248 |
| Tier 1 risk-based capital ratio | 13.7149% | 3,657 |
| Total risk-based capital ratio | 14.8538% | 3,631 |
| Memoranda: | ||
| Average total assets | $325,041,500 | 2,064 |
| Average earning assets | $313,845,500 | 2,004 |
| Average equity | $30,353,000 | 2,351 |
| Average total loans | $268,525,500 | 1,735 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7298% | 4,126 |
| Cost of funding earning assets | 0.5468% | 1,718 |
| Net interest margin | 3.1830% | 4,490 |
| Noninterest income to average assets | 0.3592% | 4,167 |
| Noninterest expense to average assets | 2.8891% | 2,712 |
| Loan and lease loss provision to assets | 0.0242% | 3,878 |
| Net operating income to assets | 0.3211% | 5,167 |
| Return on assets (ROA) | 0.3389% | 5,191 |
| Pretax return on assets | 0.5195% | 4,987 |
| Return on Equity (ROE) | 3.5603% | 4,995 |
| Retained earnings to average equity (ytd only) | 3.5603% | 3,390 |
| Net charge-offs to loans | 0.0004% | 4,273 |
| Credit loss provision to net charge-offs | 7,500.0000% | 66 |
| Earnings coverage of net charge-offs (x) | 1,601.0000% | 34 |
| Efficiency ratio | 84.8405% | 921 |
| Assets per employee ($millions) | 5.3219% | 2,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9478% | 4,592 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 82.2451% | 573 |
| Net loans and leases to deposits | 101.6909% | 555 |
| Net loans and leases to core deposits | 118.1695% | 539 |
| Total domestic deposits to total assets | 80.8776% | 4,361 |
| Equity capital to assets | 9.6352% | 4,134 |
| Core capital (leverage) ratio | 9.9663% | 3,527 |
| Tier 1 risk-based capital ratio | 14.0867% | 3,416 |
| Total risk-based capital ratio | 15.2389% | 3,377 |
| Memoranda: | ||
| Average total assets | $310,130,600 | 2,113 |
| Average earning assets | $296,794,800 | 2,064 |
| Average equity | $29,520,200 | 2,396 |
| Average total loans | $237,780,200 | 1,858 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7375% | 4,125 |
| Cost of funding earning assets | 0.5555% | 1,645 |
| Net interest margin | 3.1820% | 4,531 |
| Noninterest income to average assets | 0.3696% | 4,133 |
| Noninterest expense to average assets | 2.9149% | 2,594 |
| Loan and lease loss provision to assets | 0.0323% | 3,585 |
| Net operating income to assets | 0.2983% | 5,287 |
| Return on assets (ROA) | 0.3222% | 5,317 |
| Pretax return on assets | 0.4977% | 5,130 |
| Return on Equity (ROE) | 3.3950% | 5,115 |
| Retained earnings to average equity (ytd only) | 3.3950% | 3,864 |
| Net charge-offs to loans | 0.0006% | 3,941 |
| Credit loss provision to net charge-offs | 7,500.0000% | 75 |
| Earnings coverage of net charge-offs (x) | 1,146.8421% | 62 |
| Efficiency ratio | 85.5245% | 866 |
| Assets per employee ($millions) | 5.3874% | 1,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0269% | 4,268 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 77.5550% | 1,277 |
| Net loans and leases to deposits | 94.0090% | 1,253 |
| Net loans and leases to core deposits | 103.4935% | 1,379 |
| Total domestic deposits to total assets | 82.4973% | 3,780 |
| Equity capital to assets | 9.7724% | 4,392 |
| Core capital (leverage) ratio | 9.7620% | 3,857 |
| Tier 1 risk-based capital ratio | 14.9037% | 3,096 |
| Total risk-based capital ratio | 16.1351% | 3,034 |
| Memoranda: | ||
| Average total assets | $309,165,000 | 2,121 |
| Average earning assets | $295,233,500 | 2,077 |
| Average equity | $29,336,750 | 2,424 |
| Average total loans | $232,046,500 | 1,894 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7880% | 3,997 |
| Cost of funding earning assets | 0.5545% | 1,664 |
| Net interest margin | 3.2335% | 4,433 |
| Noninterest income to average assets | 0.3692% | 4,107 |
| Noninterest expense to average assets | 2.9297% | 2,585 |
| Loan and lease loss provision to assets | 0.0484% | 3,182 |
| Net operating income to assets | 0.3054% | 5,308 |
| Return on assets (ROA) | 0.3331% | 5,310 |
| Pretax return on assets | 0.5209% | 5,093 |
| Return on Equity (ROE) | 3.5448% | 5,078 |
| Retained earnings to average equity (ytd only) | 3.5448% | 3,636 |
| Net charge-offs to loans | -0.0017% | 4,359 |
| Credit loss provision to net charge-offs | -3,750.0000% | 5,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7777% | 983 |
| Assets per employee ($millions) | 5.6654% | 1,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0855% | 4,027 |
| 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 | 73.6900% | 1,902 |
| Net loans and leases to deposits | 91.7725% | 1,542 |
| Net loans and leases to core deposits | 100.7544% | 1,582 |
| Total domestic deposits to total assets | 80.2963% | 4,478 |
| Equity capital to assets | 9.6904% | 4,562 |
| Core capital (leverage) ratio | 9.6853% | 3,952 |
| Tier 1 risk-based capital ratio | 15.6570% | 2,798 |
| Total risk-based capital ratio | 16.9074% | 2,732 |
| Memoranda: | ||
| Average total assets | $309,860,330 | 2,122 |
| Average earning assets | $295,778,670 | 2,079 |
| Average equity | $29,112,670 | 2,443 |
| Average total loans | $229,186,670 | 1,918 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7624% | 4,091 |
| Cost of funding earning assets | 0.5524% | 1,684 |
| Net interest margin | 3.2100% | 4,550 |
| Noninterest income to average assets | 0.3912% | 3,896 |
| Noninterest expense to average assets | 2.9645% | 2,504 |
| Loan and lease loss provision to assets | 0.0475% | 2,970 |
| Net operating income to assets | 0.2908% | 5,332 |
| Return on assets (ROA) | 0.3015% | 5,382 |
| Pretax return on assets | 0.4746% | 5,150 |
| Return on Equity (ROE) | 3.2587% | 5,136 |
| Retained earnings to average equity (ytd only) | 3.2587% | 3,865 |
| Net charge-offs to loans | -0.0017% | 4,110 |
| Credit loss provision to net charge-offs | -3,700.0000% | 4,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4344% | 1,027 |
| Assets per employee ($millions) | 5.7771% | 1,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0505% | 4,334 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 73.5232% | 1,813 |
| Net loans and leases to deposits | 91.9476% | 1,355 |
| Net loans and leases to core deposits | 101.0312% | 1,402 |
| Total domestic deposits to total assets | 79.9621% | 4,755 |
| Equity capital to assets | 9.3123% | 4,874 |
| Core capital (leverage) ratio | 9.4465% | 4,284 |
| Tier 1 risk-based capital ratio | 15.2068% | 3,057 |
| Total risk-based capital ratio | 16.4566% | 2,996 |
| Memoranda: | ||
| Average total assets | $311,824,000 | 2,121 |
| Average earning assets | $299,066,500 | 2,066 |
| Average equity | $28,846,000 | 2,448 |
| Average total loans | $229,822,000 | 1,918 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8104% | 4,011 |
| Cost of funding earning assets | 0.5550% | 1,720 |
| Net interest margin | 3.2554% | 4,452 |
| Noninterest income to average assets | 0.4762% | 3,492 |
| Noninterest expense to average assets | 2.8755% | 2,944 |
| Loan and lease loss provision to assets | 0.0420% | 3,495 |
| Net operating income to assets | 0.4184% | 4,994 |
| Return on assets (ROA) | 0.4329% | 5,019 |
| Pretax return on assets | 0.7097% | 4,508 |
| Return on Equity (ROE) | 4.7949% | 4,610 |
| Retained earnings to average equity (ytd only) | 4.7949% | 2,579 |
| Net charge-offs to loans | 0.0009% | 4,448 |
| Credit loss provision to net charge-offs | 6,500.0000% | 53 |
| Earnings coverage of net charge-offs (x) | 1,128.5000% | 46 |
| Efficiency ratio | 79.7724% | 1,708 |
| Assets per employee ($millions) | 5.1947% | 2,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0520% | 4,298 |
| 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 | 72.3316% | 1,993 |
| Net loans and leases to deposits | 90.6691% | 1,540 |
| Net loans and leases to core deposits | 101.7374% | 1,381 |
| Total domestic deposits to total assets | 79.7753% | 4,805 |
| Equity capital to assets | 9.1891% | 4,925 |
| Core capital (leverage) ratio | 9.4526% | 4,243 |
| Tier 1 risk-based capital ratio | 15.3988% | 2,988 |
| Total risk-based capital ratio | 16.6487% | 2,922 |
| Memoranda: | ||
| Average total assets | $309,548,800 | 2,095 |
| Average earning assets | $297,474,200 | 2,030 |
| Average equity | $27,946,200 | 2,465 |
| Average total loans | $228,791,800 | 1,868 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8034% | 4,075 |
| Cost of funding earning assets | 0.5578% | 1,738 |
| Net interest margin | 3.2455% | 4,541 |
| Noninterest income to average assets | 0.4561% | 3,668 |
| Noninterest expense to average assets | 2.8857% | 2,894 |
| Loan and lease loss provision to assets | 0.0419% | 3,377 |
| Net operating income to assets | 0.3936% | 5,184 |
| Return on assets (ROA) | 0.4129% | 5,206 |
| Pretax return on assets | 0.6765% | 4,759 |
| Return on Equity (ROE) | 4.5944% | 4,797 |
| Retained earnings to average equity (ytd only) | 4.5944% | 3,203 |
| Net charge-offs to loans | 0.0012% | 4,146 |
| Credit loss provision to net charge-offs | 4,850.0000% | 82 |
| Earnings coverage of net charge-offs (x) | 796.4831% | 94 |
| Efficiency ratio | 80.7437% | 1,555 |
| Assets per employee ($millions) | 5.1748% | 2,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0264% | 4,606 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 74.6630% | 1,616 |
| Net loans and leases to deposits | 94.3414% | 1,164 |
| Net loans and leases to core deposits | 103.9006% | 1,240 |
| Total domestic deposits to total assets | 79.1413% | 4,943 |
| Equity capital to assets | 9.2727% | 5,033 |
| Core capital (leverage) ratio | 9.3011% | 4,583 |
| Tier 1 risk-based capital ratio | 15.3202% | 3,131 |
| Total risk-based capital ratio | 16.5702% | 3,060 |
| Memoranda: | ||
| Average total assets | $309,015,000 | 2,111 |
| Average earning assets | $296,853,250 | 2,047 |
| Average equity | $27,772,500 | 2,487 |
| Average total loans | $229,029,000 | 1,881 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7712% | 4,171 |
| Cost of funding earning assets | 0.5610% | 1,723 |
| Net interest margin | 3.2102% | 4,628 |
| Noninterest income to average assets | 0.4338% | 3,826 |
| Noninterest expense to average assets | 2.8777% | 2,966 |
| Loan and lease loss provision to assets | 0.0419% | 3,272 |
| Net operating income to assets | 0.3637% | 5,251 |
| Return on assets (ROA) | 0.3926% | 5,264 |
| Pretax return on assets | 0.6434% | 4,844 |
| Return on Equity (ROE) | 4.4142% | 4,854 |
| Retained earnings to average equity (ytd only) | 4.4142% | 3,204 |
| Net charge-offs to loans | 0.0017% | 3,845 |
| Credit loss provision to net charge-offs | 3,250.0000% | 127 |
| Earnings coverage of net charge-offs (x) | 496.5000% | 133 |
| Efficiency ratio | 81.8032% | 1,520 |
| Assets per employee ($millions) | 5.2708% | 1,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0210% | 4,763 |
| 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 | 72.6989% | 1,864 |
| Net loans and leases to deposits | 93.8577% | 1,164 |
| Net loans and leases to core deposits | 101.3803% | 1,370 |
| Total domestic deposits to total assets | 77.4565% | 5,378 |
| Equity capital to assets | 8.9730% | 5,259 |
| Core capital (leverage) ratio | 9.1655% | 4,737 |
| Tier 1 risk-based capital ratio | 16.2521% | 2,734 |
| Total risk-based capital ratio | 17.5029% | 2,687 |
| Memoranda: | ||
| Average total assets | $310,248,000 | 2,121 |
| Average earning assets | $298,051,000 | 2,057 |
| Average equity | $27,593,000 | 2,506 |
| Average total loans | $228,598,000 | 1,894 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7995% | 4,012 |
| Cost of funding earning assets | 0.5622% | 1,731 |
| Net interest margin | 3.2373% | 4,464 |
| Noninterest income to average assets | 0.3175% | 4,647 |
| Noninterest expense to average assets | 2.9056% | 2,888 |
| Loan and lease loss provision to assets | 0.0413% | 3,092 |
| Net operating income to assets | 0.2917% | 5,446 |
| Return on assets (ROA) | 0.2917% | 5,541 |
| Pretax return on assets | 0.4776% | 5,237 |
| Return on Equity (ROE) | 3.2948% | 5,254 |
| Retained earnings to average equity (ytd only) | 3.2948% | 4,006 |
| Net charge-offs to loans | 0.0017% | 3,252 |
| Credit loss provision to net charge-offs | 3,200.0000% | 120 |
| Earnings coverage of net charge-offs (x) | 402.0000% | 136 |
| Efficiency ratio | 84.8473% | 1,285 |
| Assets per employee ($millions) | 5.3016% | 1,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0029% | 5,003 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 72.5809% | 1,717 |
| Net loans and leases to deposits | 94.5710% | 930 |
| Net loans and leases to core deposits | 101.9837% | 1,180 |
| Total domestic deposits to total assets | 76.7475% | 5,655 |
| Equity capital to assets | 8.8300% | 5,470 |
| Core capital (leverage) ratio | 9.0767% | 4,870 |
| Tier 1 risk-based capital ratio | 16.0892% | 2,881 |
| Total risk-based capital ratio | 17.3398% | 2,814 |
| Memoranda: | ||
| Average total assets | $309,884,000 | 2,134 |
| Average earning assets | $297,405,000 | 2,068 |
| Average equity | $27,437,500 | 2,541 |
| Average total loans | $228,693,000 | 1,884 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8565% | 4,292 |
| Cost of funding earning assets | 0.5685% | 2,058 |
| Net interest margin | 3.2881% | 4,625 |
| Noninterest income to average assets | 0.3729% | 4,402 |
| Noninterest expense to average assets | 2.9934% | 2,861 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.2852% | 5,552 |
| Return on assets (ROA) | 0.2906% | 5,609 |
| Pretax return on assets | 0.5313% | 5,164 |
| Return on Equity (ROE) | 3.3241% | 5,366 |
| Retained earnings to average equity (ytd only) | 3.3241% | 3,861 |
| Net charge-offs to loans | 0.0023% | 4,924 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 310.2000% | 181 |
| Efficiency ratio | 85.1294% | 1,268 |
| Assets per employee ($millions) | 5.2029% | 2,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9949% | 5,089 |
| 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 | 73.5530% | 1,658 |
| Net loans and leases to deposits | 95.7199% | 928 |
| Net loans and leases to core deposits | 101.5042% | 1,278 |
| Total domestic deposits to total assets | 76.8419% | 5,622 |
| Equity capital to assets | 8.8787% | 5,400 |
| Core capital (leverage) ratio | 9.0627% | 4,887 |
| Tier 1 risk-based capital ratio | 14.7202% | 3,648 |
| Total risk-based capital ratio | 15.9208% | 3,611 |
| Memoranda: | ||
| Average total assets | $296,623,200 | 2,170 |
| Average earning assets | $283,570,200 | 2,099 |
| Average equity | $25,932,000 | 2,578 |
| Average total loans | $215,324,800 | 1,932 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8556% | 4,350 |
| Cost of funding earning assets | 0.5672% | 2,131 |
| Net interest margin | 3.2884% | 4,649 |
| Noninterest income to average assets | 0.3872% | 4,335 |
| Noninterest expense to average assets | 3.0866% | 2,505 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2526% | 5,732 |
| Return on assets (ROA) | 0.2598% | 5,776 |
| Pretax return on assets | 0.4534% | 5,458 |
| Return on Equity (ROE) | 2.9842% | 5,543 |
| Retained earnings to average equity (ytd only) | 2.9842% | 4,478 |
| Net charge-offs to loans | 0.0031% | 4,596 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 194.8981% | 328 |
| Efficiency ratio | 87.4711% | 1,052 |
| Assets per employee ($millions) | 5.0744% | 2,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0296% | 5,080 |
| 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 | 72.8546% | 1,704 |
| Net loans and leases to deposits | 94.5601% | 989 |
| Net loans and leases to core deposits | 96.9706% | 1,596 |
| Total domestic deposits to total assets | 77.0458% | 5,669 |
| Equity capital to assets | 8.9766% | 5,378 |
| Core capital (leverage) ratio | 9.1958% | 4,796 |
| Tier 1 risk-based capital ratio | 14.7258% | 3,748 |
| Total risk-based capital ratio | 15.9394% | 3,706 |
| Memoranda: | ||
| Average total assets | $294,036,000 | 2,204 |
| Average earning assets | $280,902,250 | 2,136 |
| Average equity | $25,601,250 | 2,615 |
| Average total loans | $212,142,000 | 1,971 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8413% | 4,365 |
| Cost of funding earning assets | 0.5640% | 2,225 |
| Net interest margin | 3.2773% | 4,675 |
| Noninterest income to average assets | 0.3661% | 4,506 |
| Noninterest expense to average assets | 3.0802% | 2,566 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2279% | 5,760 |
| Return on assets (ROA) | 0.2279% | 5,827 |
| Pretax return on assets | 0.4154% | 5,511 |
| Return on Equity (ROE) | 2.6453% | 5,650 |
| Retained earnings to average equity (ytd only) | 2.6453% | 4,520 |
| Net charge-offs to loans | 0.0057% | 4,181 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 101.1667% | 554 |
| Efficiency ratio | 88.1167% | 1,080 |
| Assets per employee ($millions) | 4.9479% | 2,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0489% | 5,120 |
| 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 | 72.0714% | 1,734 |
| Net loans and leases to deposits | 91.7507% | 1,179 |
| Net loans and leases to core deposits | 93.9533% | 1,782 |
| Total domestic deposits to total assets | 78.5513% | 5,539 |
| Equity capital to assets | 8.9052% | 5,400 |
| Core capital (leverage) ratio | 9.1932% | 4,753 |
| Tier 1 risk-based capital ratio | 15.0477% | 3,611 |
| Total risk-based capital ratio | 16.2976% | 3,556 |
| Memoranda: | ||
| Average total assets | $292,252,000 | 2,211 |
| Average earning assets | $279,071,670 | 2,147 |
| Average equity | $25,176,670 | 2,640 |
| Average total loans | $209,393,670 | 1,983 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8462% | 4,303 |
| Cost of funding earning assets | 0.5552% | 2,384 |
| Net interest margin | 3.2909% | 4,585 |
| Noninterest income to average assets | 0.3946% | 4,231 |
| Noninterest expense to average assets | 3.0985% | 2,538 |
| Loan and lease loss provision to assets | 0.0207% | 3,557 |
| Net operating income to assets | 0.2538% | 5,651 |
| Return on assets (ROA) | 0.2538% | 5,692 |
| Pretax return on assets | 0.4153% | 5,409 |
| Return on Equity (ROE) | 2.9984% | 5,456 |
| Retained earnings to average equity (ytd only) | 2.9984% | 4,311 |
| Net charge-offs to loans | 0.0058% | 3,536 |
| Credit loss provision to net charge-offs | 500.0000% | 530 |
| Earnings coverage of net charge-offs (x) | 105.3333% | 436 |
| Efficiency ratio | 87.6659% | 1,264 |
| Assets per employee ($millions) | 4.9086% | 2,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1125% | 5,067 |
| Loan loss allowance to noncurrent loans | 4,484.3137% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.0173% | 6,260 |
| Noncurrent loans to loans | 0.0248% | 6,082 |
| Net loans and leases to total assets | 69.0235% | 2,053 |
| Net loans and leases to deposits | 87.6142% | 1,403 |
| Net loans and leases to core deposits | 89.4851% | 1,958 |
| Total domestic deposits to total assets | 78.7812% | 5,719 |
| Equity capital to assets | 8.5285% | 5,628 |
| Core capital (leverage) ratio | 9.2158% | 4,698 |
| Tier 1 risk-based capital ratio | 15.6526% | 3,359 |
| Total risk-based capital ratio | 16.9040% | 3,319 |
| Memoranda: | ||
| Average total assets | $289,942,500 | 2,235 |
| Average earning assets | $276,639,500 | 2,172 |
| Average equity | $24,546,500 | 2,689 |
| Average total loans | $205,977,000 | 2,004 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8673% | 4,586 |
| Cost of funding earning assets | 0.5830% | 2,808 |
| Net interest margin | 3.2844% | 4,721 |
| Noninterest income to average assets | 0.5714% | 3,265 |
| Noninterest expense to average assets | 3.1164% | 2,685 |
| Loan and lease loss provision to assets | 0.0445% | 4,236 |
| Net operating income to assets | 0.3310% | 5,409 |
| Return on assets (ROA) | 0.3333% | 5,505 |
| Pretax return on assets | 0.5350% | 5,091 |
| Return on Equity (ROE) | 3.5265% | 5,312 |
| Retained earnings to average equity (ytd only) | 3.5265% | 3,715 |
| Net charge-offs to loans | 0.0296% | 4,836 |
| Credit loss provision to net charge-offs | 218.1818% | 1,059 |
| Earnings coverage of net charge-offs (x) | 28.2364% | 1,244 |
| Efficiency ratio | 84.4045% | 1,584 |
| Assets per employee ($millions) | 4.8367% | 2,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1018% | 5,140 |
| Loan loss allowance to noncurrent loans | 4,458.8235% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.0179% | 6,357 |
| Noncurrent loans to loans | 0.0247% | 6,186 |
| Net loans and leases to total assets | 71.5241% | 1,767 |
| Net loans and leases to deposits | 89.0166% | 1,347 |
| Net loans and leases to core deposits | 90.8337% | 1,924 |
| Total domestic deposits to total assets | 80.3492% | 5,361 |
| Equity capital to assets | 8.4014% | 5,694 |
| Core capital (leverage) ratio | 9.4471% | 4,344 |
| Tier 1 risk-based capital ratio | 15.5341% | 3,353 |
| Total risk-based capital ratio | 16.7851% | 3,309 |
| Memoranda: | ||
| Average total assets | $269,701,000 | 2,349 |
| Average earning assets | $256,273,800 | 2,277 |
| Average equity | $25,492,400 | 2,587 |
| Average total loans | $186,089,200 | 2,144 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8678% | 4,613 |
| Cost of funding earning assets | 0.5962% | 2,843 |
| Net interest margin | 3.2716% | 4,746 |
| Noninterest income to average assets | 0.5538% | 3,430 |
| Noninterest expense to average assets | 3.1368% | 2,543 |
| Loan and lease loss provision to assets | 0.0451% | 4,111 |
| Net operating income to assets | 0.3003% | 5,610 |
| Return on assets (ROA) | 0.3035% | 5,718 |
| Pretax return on assets | 0.4846% | 5,399 |
| Return on Equity (ROE) | 3.1179% | 5,567 |
| Retained earnings to average equity (ytd only) | 3.1179% | 4,456 |
| Net charge-offs to loans | 0.0390% | 4,365 |
| Credit loss provision to net charge-offs | 169.8113% | 1,402 |
| Earnings coverage of net charge-offs (x) | 19.7372% | 1,622 |
| Efficiency ratio | 85.6693% | 1,391 |
| Assets per employee ($millions) | 4.6245% | 2,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1580% | 5,078 |
| Loan loss allowance to noncurrent loans | 4,403.9216% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.0187% | 6,438 |
| Noncurrent loans to loans | 0.0263% | 6,276 |
| Net loans and leases to total assets | 70.2639% | 1,917 |
| Net loans and leases to deposits | 82.2838% | 2,105 |
| Net loans and leases to core deposits | 84.3436% | 2,613 |
| Total domestic deposits to total assets | 85.3922% | 3,546 |
| Equity capital to assets | 9.1956% | 4,941 |
| Core capital (leverage) ratio | 9.7725% | 4,001 |
| Tier 1 risk-based capital ratio | 16.2224% | 3,076 |
| Total risk-based capital ratio | 17.4739% | 3,033 |
| Memoranda: | ||
| Average total assets | $265,784,250 | 2,398 |
| Average earning assets | $252,469,750 | 2,317 |
| Average equity | $25,871,750 | 2,587 |
| Average total loans | $181,016,250 | 2,190 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8879% | 4,528 |
| Cost of funding earning assets | 0.6080% | 2,870 |
| Net interest margin | 3.2799% | 4,657 |
| Noninterest income to average assets | 0.6332% | 3,005 |
| Noninterest expense to average assets | 3.1933% | 2,371 |
| Loan and lease loss provision to assets | 0.0456% | 4,057 |
| Net operating income to assets | 0.3163% | 5,540 |
| Return on assets (ROA) | 0.3211% | 5,673 |
| Pretax return on assets | 0.5147% | 5,323 |
| Return on Equity (ROE) | 3.2374% | 5,532 |
| Retained earnings to average equity (ytd only) | 3.2374% | 4,250 |
| Net charge-offs to loans | 0.0600% | 3,845 |
| Credit loss provision to net charge-offs | 113.2075% | 1,952 |
| Earnings coverage of net charge-offs (x) | 13.7358% | 1,877 |
| Efficiency ratio | 85.2452% | 1,495 |
| Assets per employee ($millions) | 4.4023% | 2,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2558% | 4,715 |
| 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 | 65.9673% | 2,604 |
| Net loans and leases to deposits | 74.4216% | 3,084 |
| Net loans and leases to core deposits | 76.0210% | 3,537 |
| Total domestic deposits to total assets | 88.6400% | 1,816 |
| Equity capital to assets | 9.5519% | 4,514 |
| Core capital (leverage) ratio | 10.0145% | 3,486 |
| Tier 1 risk-based capital ratio | 17.3297% | 2,579 |
| Total risk-based capital ratio | 18.5823% | 2,549 |
| Memoranda: | ||
| Average total assets | $263,430,000 | 2,426 |
| Average earning assets | $250,009,330 | 2,346 |
| Average equity | $26,132,330 | 2,574 |
| Average total loans | $176,702,000 | 2,236 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8763% | 4,564 |
| Cost of funding earning assets | 0.6223% | 2,903 |
| Net interest margin | 3.2541% | 4,717 |
| Noninterest income to average assets | 0.6781% | 2,705 |
| Noninterest expense to average assets | 3.3268% | 2,018 |
| Loan and lease loss provision to assets | 0.0456% | 3,846 |
| Net operating income to assets | 0.2471% | 5,734 |
| Return on assets (ROA) | 0.2539% | 5,833 |
| Pretax return on assets | 0.4014% | 5,552 |
| Return on Equity (ROE) | 2.5128% | 5,771 |
| Retained earnings to average equity (ytd only) | 2.5128% | 4,767 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4040% | 1,289 |
| Assets per employee ($millions) | 4.4284% | 3,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2664% | 4,864 |
| Loan loss allowance to noncurrent loans | 1,523.1293% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.0553% | 6,442 |
| Noncurrent loans to loans | 0.0831% | 6,232 |
| Net loans and leases to total assets | 65.6986% | 2,423 |
| Net loans and leases to deposits | 74.7845% | 2,802 |
| Net loans and leases to core deposits | 76.2589% | 3,284 |
| Total domestic deposits to total assets | 87.8505% | 2,412 |
| Equity capital to assets | 10.0175% | 4,129 |
| Core capital (leverage) ratio | 9.8703% | 3,571 |
| Tier 1 risk-based capital ratio | 17.1218% | 2,700 |
| Total risk-based capital ratio | 18.3746% | 2,670 |
| Memoranda: | ||
| Average total assets | $263,076,500 | 2,459 |
| Average earning assets | $249,411,000 | 2,383 |
| Average equity | $26,583,500 | 2,559 |
| Average total loans | $176,823,000 | 2,251 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1194% | 4,884 |
| Cost of funding earning assets | 0.7321% | 3,235 |
| Net interest margin | 3.3873% | 4,928 |
| Noninterest income to average assets | 0.7886% | 2,310 |
| Noninterest expense to average assets | 3.3754% | 2,115 |
| Loan and lease loss provision to assets | -0.0237% | 6,840 |
| Net operating income to assets | 0.3863% | 5,153 |
| Return on assets (ROA) | 0.3949% | 5,359 |
| Pretax return on assets | 0.6197% | 4,932 |
| Return on Equity (ROE) | 3.9626% | 5,161 |
| Retained earnings to average equity (ytd only) | 3.9626% | 3,413 |
| Net charge-offs to loans | -0.0168% | 6,528 |
| Credit loss provision to net charge-offs | 213.7931% | 1,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2811% | 1,493 |
| Assets per employee ($millions) | 4.2696% | 3,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2491% | 4,880 |
| Loan loss allowance to noncurrent loans | 1,502.7211% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.0564% | 6,481 |
| Noncurrent loans to loans | 0.0831% | 6,276 |
| Net loans and leases to total assets | 67.0513% | 2,354 |
| Net loans and leases to deposits | 76.5062% | 2,718 |
| Net loans and leases to core deposits | 78.1982% | 3,231 |
| Total domestic deposits to total assets | 87.6416% | 2,455 |
| Equity capital to assets | 10.1940% | 3,898 |
| Core capital (leverage) ratio | 10.0055% | 3,388 |
| Tier 1 risk-based capital ratio | 17.2309% | 2,546 |
| Total risk-based capital ratio | 18.4833% | 2,523 |
| Memoranda: | ||
| Average total assets | $261,596,200 | 2,422 |
| Average earning assets | $244,767,800 | 2,372 |
| Average equity | $26,068,800 | 2,562 |
| Average total loans | $172,733,200 | 2,284 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1580% | 4,955 |
| Cost of funding earning assets | 0.7568% | 3,294 |
| Net interest margin | 3.4012% | 5,031 |
| Noninterest income to average assets | 0.7184% | 2,627 |
| Noninterest expense to average assets | 3.4717% | 1,825 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.2664% | 5,727 |
| Return on assets (ROA) | 0.2775% | 5,885 |
| Pretax return on assets | 0.4373% | 5,632 |
| Return on Equity (ROE) | 2.8004% | 5,749 |
| Retained earnings to average equity (ytd only) | 2.8004% | 4,868 |
| Net charge-offs to loans | 0.0241% | 5,330 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 26.6143% | 1,208 |
| Efficiency ratio | 89.2072% | 1,097 |
| Assets per employee ($millions) | 4.3720% | 3,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2443% | 5,075 |
| Loan loss allowance to noncurrent loans | 1,504.0816% | 322 |
| Noncurrent assets plus other real estate owned to assets | 0.0560% | 6,611 |
| Noncurrent loans to loans | 0.0827% | 6,408 |
| Net loans and leases to total assets | 66.8973% | 2,485 |
| Net loans and leases to deposits | 76.1592% | 2,956 |
| Net loans and leases to core deposits | 77.5496% | 3,523 |
| Total domestic deposits to total assets | 87.8388% | 2,136 |
| Equity capital to assets | 9.9917% | 4,505 |
| Core capital (leverage) ratio | 9.7481% | 3,874 |
| Tier 1 risk-based capital ratio | 17.0176% | 2,725 |
| Total risk-based capital ratio | 18.2701% | 2,679 |
| Memoranda: | ||
| Average total assets | $261,883,500 | 2,440 |
| Average earning assets | $244,340,500 | 2,407 |
| Average equity | $25,948,500 | 2,594 |
| Average total loans | $171,706,000 | 2,323 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2582% | 4,725 |
| Cost of funding earning assets | 0.7845% | 3,325 |
| Net interest margin | 3.4737% | 4,788 |
| Noninterest income to average assets | 0.7083% | 2,623 |
| Noninterest expense to average assets | 3.4638% | 1,872 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2971% | 5,631 |
| Return on assets (ROA) | 0.3118% | 5,783 |
| Pretax return on assets | 0.4921% | 5,461 |
| Return on Equity (ROE) | 3.1553% | 5,623 |
| Retained earnings to average equity (ytd only) | 3.1553% | 4,519 |
| Net charge-offs to loans | 0.0377% | 4,848 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 19.1875% | 1,448 |
| Efficiency ratio | 88.0707% | 1,229 |
| Assets per employee ($millions) | 4.4921% | 2,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3190% | 4,806 |
| Loan loss allowance to noncurrent loans | 1,503.4014% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.0555% | 6,685 |
| Noncurrent loans to loans | 0.0877% | 6,443 |
| Net loans and leases to total assets | 62.3858% | 3,357 |
| Net loans and leases to deposits | 71.4342% | 3,693 |
| Net loans and leases to core deposits | 72.7435% | 4,204 |
| Total domestic deposits to total assets | 87.3333% | 2,578 |
| Equity capital to assets | 9.8158% | 4,600 |
| Core capital (leverage) ratio | 9.5965% | 4,005 |
| Tier 1 risk-based capital ratio | 17.7438% | 2,381 |
| Total risk-based capital ratio | 18.9975% | 2,348 |
| Memoranda: | ||
| Average total assets | $261,739,000 | 2,441 |
| Average earning assets | $242,968,330 | 2,412 |
| Average equity | $25,861,330 | 2,591 |
| Average total loans | $169,710,000 | 2,350 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3007% | 4,735 |
| Cost of funding earning assets | 0.8115% | 3,377 |
| Net interest margin | 3.4893% | 4,759 |
| Noninterest income to average assets | 0.7121% | 2,603 |
| Noninterest expense to average assets | 3.4941% | 1,777 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2917% | 5,685 |
| Return on assets (ROA) | 0.3045% | 5,811 |
| Pretax return on assets | 0.4783% | 5,495 |
| Return on Equity (ROE) | 3.0716% | 5,690 |
| Retained earnings to average equity (ytd only) | 3.0716% | 4,717 |
| Net charge-offs to loans | -0.0023% | 5,729 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4047% | 1,230 |
| Assets per employee ($millions) | 4.3969% | 3,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2896% | 5,064 |
| 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 | 65.0798% | 2,635 |
| Net loans and leases to deposits | 74.5213% | 3,039 |
| Net loans and leases to core deposits | 75.8899% | 3,631 |
| Total domestic deposits to total assets | 87.3306% | 2,753 |
| Equity capital to assets | 9.7466% | 4,463 |
| Core capital (leverage) ratio | 9.5612% | 3,969 |
| Tier 1 risk-based capital ratio | 16.7952% | 2,760 |
| Total risk-based capital ratio | 18.0476% | 2,720 |
| Memoranda: | ||
| Average total assets | $260,092,000 | 2,481 |
| Average earning assets | $241,540,000 | 2,435 |
| Average equity | $25,784,500 | 2,592 |
| Average total loans | $170,788,500 | 2,352 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4545% | 5,237 |
| Cost of funding earning assets | 0.9374% | 3,813 |
| Net interest margin | 3.5170% | 5,086 |
| Noninterest income to average assets | 0.5373% | 3,603 |
| Noninterest expense to average assets | 3.3950% | 2,256 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.1909% | 5,618 |
| Return on assets (ROA) | 0.1319% | 5,913 |
| Pretax return on assets | 0.2888% | 5,593 |
| Return on Equity (ROE) | 1.3640% | 5,872 |
| Retained earnings to average equity (ytd only) | 1.3640% | 5,210 |
| Net charge-offs to loans | 0.1267% | 5,129 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 4.7885% | 2,976 |
| Efficiency ratio | 89.9119% | 1,200 |
| Assets per employee ($millions) | 4.2028% | 3,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3374% | 4,722 |
| Loan loss allowance to noncurrent loans | 1,504.6980% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.0581% | 6,809 |
| Noncurrent loans to loans | 0.0889% | 6,588 |
| Net loans and leases to total assets | 64.5170% | 3,077 |
| Net loans and leases to deposits | 74.2364% | 3,459 |
| Net loans and leases to core deposits | 75.4701% | 4,047 |
| Total domestic deposits to total assets | 86.9075% | 2,814 |
| Equity capital to assets | 10.0855% | 4,056 |
| Core capital (leverage) ratio | 9.7909% | 3,619 |
| Tier 1 risk-based capital ratio | 16.8457% | 2,670 |
| Total risk-based capital ratio | 18.0988% | 2,635 |
| Memoranda: | ||
| Average total assets | $261,469,800 | 2,417 |
| Average earning assets | $240,770,000 | 2,396 |
| Average equity | $25,293,600 | 2,545 |
| Average total loans | $164,193,600 | 2,436 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4963% | 5,264 |
| Cost of funding earning assets | 0.9675% | 3,914 |
| Net interest margin | 3.5288% | 5,064 |
| Noninterest income to average assets | 0.4800% | 4,041 |
| Noninterest expense to average assets | 3.4177% | 2,148 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.1519% | 5,830 |
| Return on assets (ROA) | 0.0710% | 6,139 |
| Pretax return on assets | 0.1807% | 5,929 |
| Return on Equity (ROE) | 0.7421% | 6,115 |
| Retained earnings to average equity (ytd only) | 0.7421% | 5,714 |
| Net charge-offs to loans | 0.1935% | 4,254 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 2.5528% | 3,846 |
| Efficiency ratio | 91.7575% | 1,045 |
| Assets per employee ($millions) | 3.9382% | 3,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3492% | 4,779 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 62.2550% | 3,654 |
| Net loans and leases to deposits | 71.4554% | 4,075 |
| Net loans and leases to core deposits | 72.5381% | 4,647 |
| Total domestic deposits to total assets | 87.1243% | 2,573 |
| Equity capital to assets | 9.9191% | 4,451 |
| Core capital (leverage) ratio | 9.5939% | 4,006 |
| Tier 1 risk-based capital ratio | 17.1677% | 2,580 |
| Total risk-based capital ratio | 18.4211% | 2,538 |
| Memoranda: | ||
| Average total assets | $262,745,250 | 2,417 |
| Average earning assets | $241,586,500 | 2,393 |
| Average equity | $25,153,000 | 2,558 |
| Average total loans | $163,331,250 | 2,462 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5197% | 5,294 |
| Cost of funding earning assets | 0.9916% | 4,003 |
| Net interest margin | 3.5281% | 5,022 |
| Noninterest income to average assets | 0.4574% | 4,225 |
| Noninterest expense to average assets | 3.4442% | 2,139 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.1712% | 5,829 |
| Return on assets (ROA) | 0.1722% | 5,923 |
| Pretax return on assets | 0.2556% | 5,792 |
| Return on Equity (ROE) | 1.8201% | 5,860 |
| Retained earnings to average equity (ytd only) | 1.8201% | 5,083 |
| Net charge-offs to loans | 0.2232% | 3,785 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 1.8407% | 3,948 |
| Efficiency ratio | 93.1296% | 1,034 |
| Assets per employee ($millions) | 3.9747% | 3,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3659% | 4,748 |
| Loan loss allowance to noncurrent loans | 1,597.1831% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.0533% | 6,964 |
| Noncurrent loans to loans | 0.0855% | 6,770 |
| Net loans and leases to total assets | 61.4971% | 3,986 |
| Net loans and leases to deposits | 71.0830% | 4,276 |
| Net loans and leases to core deposits | 72.0585% | 4,812 |
| Total domestic deposits to total assets | 86.5144% | 3,033 |
| Equity capital to assets | 9.5007% | 4,813 |
| Core capital (leverage) ratio | 9.3237% | 4,216 |
| Tier 1 risk-based capital ratio | 16.6429% | 2,674 |
| Total risk-based capital ratio | 17.8966% | 2,630 |
| Memoranda: | ||
| Average total assets | $263,686,000 | 2,417 |
| Average earning assets | $242,227,670 | 2,403 |
| Average equity | $24,943,330 | 2,564 |
| Average total loans | $163,099,000 | 2,494 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5976% | 4,954 |
| Cost of funding earning assets | 1.0045% | 4,171 |
| Net interest margin | 3.5932% | 4,598 |
| Noninterest income to average assets | 0.5778% | 3,319 |
| Noninterest expense to average assets | 3.7290% | 1,480 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1052% | 6,083 |
| Return on assets (ROA) | 0.1052% | 6,136 |
| Pretax return on assets | 0.1372% | 6,083 |
| Return on Equity (ROE) | 1.1145% | 6,098 |
| Retained earnings to average equity (ytd only) | 1.1145% | 5,377 |
| Net charge-offs to loans | 0.3539% | 2,648 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.6294% | 4,155 |
| Efficiency ratio | 96.4511% | 896 |
| Assets per employee ($millions) | 3.9240% | 4,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4382% | 4,489 |
| Loan loss allowance to noncurrent loans | 167.9039% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 0.5226% | 5,933 |
| Noncurrent loans to loans | 0.8565% | 5,332 |
| Net loans and leases to total assets | 60.1369% | 4,234 |
| Net loans and leases to deposits | 69.4233% | 4,444 |
| Net loans and leases to core deposits | 70.3839% | 4,993 |
| Total domestic deposits to total assets | 86.6234% | 3,168 |
| Equity capital to assets | 9.3900% | 4,595 |
| Core capital (leverage) ratio | 9.3681% | 4,017 |
| Tier 1 risk-based capital ratio | 16.9335% | 2,506 |
| Total risk-based capital ratio | 18.1877% | 2,478 |
| Memoranda: | ||
| Average total assets | $262,375,500 | 2,452 |
| Average earning assets | $240,123,500 | 2,448 |
| Average equity | $24,764,500 | 2,567 |
| Average total loans | $161,629,000 | 2,538 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0732% | 4,219 |
| Cost of funding earning assets | 1.2096% | 4,502 |
| Net interest margin | 3.8636% | 3,670 |
| Noninterest income to average assets | 0.6644% | 3,050 |
| Noninterest expense to average assets | 3.2669% | 2,842 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.5768% | 3,772 |
| Return on assets (ROA) | 0.5815% | 3,910 |
| Pretax return on assets | 0.8988% | 3,295 |
| Return on Equity (ROE) | 6.2375% | 3,488 |
| Retained earnings to average equity (ytd only) | 6.2375% | 1,698 |
| Net charge-offs to loans | 0.0030% | 6,826 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 467.0000% | 46 |
| Efficiency ratio | 78.5603% | 2,605 |
| Assets per employee ($millions) | 3.9081% | 3,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5045% | 3,980 |
| Loan loss allowance to noncurrent loans | 112.1281% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 0.8345% | 5,331 |
| Noncurrent loans to loans | 1.3418% | 4,476 |
| Net loans and leases to total assets | 61.2567% | 4,446 |
| Net loans and leases to deposits | 70.8133% | 4,712 |
| Net loans and leases to core deposits | 71.7972% | 5,236 |
| Total domestic deposits to total assets | 86.5046% | 3,078 |
| Equity capital to assets | 9.4873% | 4,421 |
| Core capital (leverage) ratio | 9.3887% | 3,863 |
| Tier 1 risk-based capital ratio | 16.8547% | 2,406 |
| Total risk-based capital ratio | 18.1098% | 2,369 |
| Memoranda: | ||
| Average total assets | $261,899,000 | 2,436 |
| Average earning assets | $236,854,400 | 2,459 |
| Average equity | $24,417,000 | 2,618 |
| Average total loans | $165,967,000 | 2,529 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1874% | 3,896 |
| Cost of funding earning assets | 1.2483% | 4,578 |
| Net interest margin | 3.9391% | 3,364 |
| Noninterest income to average assets | 0.5768% | 3,599 |
| Noninterest expense to average assets | 3.3237% | 2,504 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.5656% | 4,030 |
| Return on assets (ROA) | 0.5717% | 4,166 |
| Pretax return on assets | 0.8165% | 3,843 |
| Return on Equity (ROE) | 6.1590% | 3,745 |
| Retained earnings to average equity (ytd only) | 6.1590% | 2,281 |
| Net charge-offs to loans | 0.0024% | 6,644 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 528.9875% | 58 |
| Efficiency ratio | 80.4460% | 2,283 |
| Assets per employee ($millions) | 3.9976% | 3,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4672% | 4,117 |
| Loan loss allowance to noncurrent loans | 129.7354% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 0.7163% | 5,677 |
| Noncurrent loans to loans | 1.1309% | 4,974 |
| Net loans and leases to total assets | 62.4127% | 4,445 |
| Net loans and leases to deposits | 73.0936% | 4,672 |
| Net loans and leases to core deposits | 74.1057% | 5,278 |
| Total domestic deposits to total assets | 85.3875% | 3,413 |
| Equity capital to assets | 9.4970% | 4,850 |
| Core capital (leverage) ratio | 9.1828% | 4,399 |
| Tier 1 risk-based capital ratio | 15.9978% | 2,767 |
| Total risk-based capital ratio | 17.2524% | 2,712 |
| Memoranda: | ||
| Average total assets | $261,912,750 | 2,469 |
| Average earning assets | $236,361,250 | 2,500 |
| Average equity | $24,310,750 | 2,673 |
| Average total loans | $166,747,000 | 2,566 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3677% | 3,118 |
| Cost of funding earning assets | 1.2883% | 4,605 |
| Net interest margin | 4.0793% | 2,660 |
| Noninterest income to average assets | 0.5029% | 4,097 |
| Noninterest expense to average assets | 3.3544% | 2,396 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.5747% | 3,974 |
| Return on assets (ROA) | 0.5795% | 4,097 |
| Pretax return on assets | 0.8275% | 3,787 |
| Return on Equity (ROE) | 6.2921% | 3,654 |
| Retained earnings to average equity (ytd only) | 6.2921% | 2,173 |
| Net charge-offs to loans | 0.0024% | 6,350 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 536.0000% | 57 |
| Efficiency ratio | 80.3447% | 2,399 |
| Assets per employee ($millions) | 3.9413% | 3,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4678% | 4,076 |
| Loan loss allowance to noncurrent loans | 292.3719% | 983 |
| Noncurrent assets plus other real estate owned to assets | 0.3177% | 6,620 |
| Noncurrent loans to loans | 0.5020% | 6,246 |
| Net loans and leases to total assets | 62.3565% | 4,612 |
| Net loans and leases to deposits | 73.7556% | 4,715 |
| Net loans and leases to core deposits | 74.6409% | 5,374 |
| Total domestic deposits to total assets | 84.5448% | 3,846 |
| Equity capital to assets | 9.4268% | 4,825 |
| Core capital (leverage) ratio | 9.0474% | 4,528 |
| Tier 1 risk-based capital ratio | 15.8795% | 2,726 |
| Total risk-based capital ratio | 17.1345% | 2,689 |
| Memoranda: | ||
| Average total assets | $261,269,670 | 2,494 |
| Average earning assets | $235,186,000 | 2,539 |
| Average equity | $24,062,000 | 2,688 |
| Average total loans | $166,621,670 | 2,604 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5189% | 2,501 |
| Cost of funding earning assets | 1.3551% | 4,453 |
| Net interest margin | 4.1638% | 2,178 |
| Noninterest income to average assets | 0.5310% | 3,805 |
| Noninterest expense to average assets | 3.3740% | 2,305 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6058% | 3,868 |
| Return on assets (ROA) | 0.6080% | 4,007 |
| Pretax return on assets | 0.8681% | 3,593 |
| Return on Equity (ROE) | 6.6817% | 3,527 |
| Retained earnings to average equity (ytd only) | 6.6817% | 2,286 |
| Net charge-offs to loans | 0.0072% | 5,494 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 187.3333% | 184 |
| Efficiency ratio | 79.5933% | 2,632 |
| Assets per employee ($millions) | 3.8075% | 4,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4610% | 4,127 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 63.8744% | 4,357 |
| Net loans and leases to deposits | 76.5070% | 4,316 |
| Net loans and leases to core deposits | 77.4968% | 5,087 |
| Total domestic deposits to total assets | 83.4883% | 4,390 |
| Equity capital to assets | 9.2904% | 4,851 |
| Core capital (leverage) ratio | 9.0704% | 4,438 |
| Tier 1 risk-based capital ratio | 15.3092% | 2,966 |
| Total risk-based capital ratio | 16.5635% | 2,913 |
| Memoranda: | ||
| Average total assets | $259,871,000 | 2,560 |
| Average earning assets | $231,424,500 | 2,631 |
| Average equity | $23,646,500 | 2,756 |
| Average total loans | $166,374,500 | 2,670 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4662% | 4,353 |
| Cost of funding earning assets | 1.8772% | 3,580 |
| Net interest margin | 3.5890% | 4,590 |
| Noninterest income to average assets | 0.5061% | 4,365 |
| Noninterest expense to average assets | 3.2653% | 3,142 |
| Loan and lease loss provision to assets | -0.0011% | 7,951 |
| Net operating income to assets | 0.3466% | 4,335 |
| Return on assets (ROA) | 0.3945% | 4,244 |
| Pretax return on assets | 0.5644% | 4,003 |
| Return on Equity (ROE) | 4.4834% | 3,894 |
| Retained earnings to average equity (ytd only) | 4.4834% | 2,111 |
| Net charge-offs to loans | -0.0223% | 7,796 |
| Credit loss provision to net charge-offs | 8.3333% | 6,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8429% | 2,016 |
| Assets per employee ($millions) | 3.7801% | 4,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4886% | 3,785 |
| Loan loss allowance to noncurrent loans | 245,500.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 7,552 |
| Noncurrent loans to loans | 0.0006% | 7,456 |
| Net loans and leases to total assets | 62.2872% | 4,930 |
| Net loans and leases to deposits | 76.0061% | 4,742 |
| Net loans and leases to core deposits | 87.0560% | 5,425 |
| Total domestic deposits to total assets | 81.9502% | 4,967 |
| Equity capital to assets | 8.9097% | 5,266 |
| Core capital (leverage) ratio | 8.8379% | 4,706 |
| Tier 1 risk-based capital ratio | 15.1229% | 2,877 |
| Total risk-based capital ratio | 16.3773% | 2,835 |
| Memoranda: | ||
| Average total assets | $262,580,400 | 2,492 |
| Average earning assets | $238,062,400 | 2,520 |
| Average equity | $23,107,600 | 2,819 |
| Average total loans | $161,091,400 | 2,742 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4809% | 4,514 |
| Cost of funding earning assets | 1.9982% | 3,370 |
| Net interest margin | 3.4827% | 4,936 |
| Noninterest income to average assets | 0.5206% | 4,311 |
| Noninterest expense to average assets | 3.2838% | 2,980 |
| Loan and lease loss provision to assets | 0.0203% | 7,152 |
| Net operating income to assets | 0.2720% | 4,893 |
| Return on assets (ROA) | 0.3330% | 4,769 |
| Pretax return on assets | 0.4765% | 4,591 |
| Return on Equity (ROE) | 3.7963% | 4,458 |
| Retained earnings to average equity (ytd only) | 3.7963% | 3,167 |
| Net charge-offs to loans | 0.0050% | 6,895 |
| Credit loss provision to net charge-offs | 666.6667% | 561 |
| Earnings coverage of net charge-offs (x) | 134.6638% | 287 |
| Efficiency ratio | 88.9102% | 1,785 |
| Assets per employee ($millions) | 3.7898% | 4,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5537% | 3,179 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 59.5108% | 5,662 |
| Net loans and leases to deposits | 73.0901% | 5,496 |
| Net loans and leases to core deposits | 83.6212% | 6,069 |
| Total domestic deposits to total assets | 81.4212% | 4,909 |
| Equity capital to assets | 8.9829% | 5,503 |
| Core capital (leverage) ratio | 8.7012% | 5,125 |
| Tier 1 risk-based capital ratio | 15.4783% | 2,838 |
| Total risk-based capital ratio | 16.7334% | 2,773 |
| Memoranda: | ||
| Average total assets | $263,018,250 | 2,503 |
| Average earning assets | $239,614,250 | 2,522 |
| Average equity | $23,074,750 | 2,844 |
| Average total loans | $160,134,750 | 2,786 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5373% | 4,398 |
| Cost of funding earning assets | 2.0964% | 3,287 |
| Net interest margin | 3.4409% | 5,023 |
| Noninterest income to average assets | 0.5222% | 4,255 |
| Noninterest expense to average assets | 3.2991% | 2,964 |
| Loan and lease loss provision to assets | 0.0304% | 6,941 |
| Net operating income to assets | 0.2343% | 5,148 |
| Return on assets (ROA) | 0.3188% | 4,928 |
| Pretax return on assets | 0.4561% | 4,764 |
| Return on Equity (ROE) | 3.6623% | 4,639 |
| Retained earnings to average equity (ytd only) | 3.6623% | 3,261 |
| Net charge-offs to loans | 0.0012% | 6,614 |
| Credit loss provision to net charge-offs | 4,000.0000% | 124 |
| Earnings coverage of net charge-offs (x) | 482.0000% | 65 |
| Efficiency ratio | 90.0186% | 1,811 |
| Assets per employee ($millions) | 3.9642% | 3,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5603% | 2,911 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 57.5987% | 6,019 |
| Net loans and leases to deposits | 72.4663% | 5,673 |
| Net loans and leases to core deposits | 84.7509% | 6,027 |
| Total domestic deposits to total assets | 79.4834% | 5,657 |
| Equity capital to assets | 8.4866% | 6,067 |
| Core capital (leverage) ratio | 8.3253% | 5,750 |
| Tier 1 risk-based capital ratio | 14.9817% | 3,027 |
| Total risk-based capital ratio | 16.2366% | 2,967 |
| Memoranda: | ||
| Average total assets | $263,525,330 | 2,501 |
| Average earning assets | $240,695,670 | 2,515 |
| Average equity | $22,936,330 | 2,865 |
| Average total loans | $160,821,330 | 2,806 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6690% | 3,946 |
| Cost of funding earning assets | 2.1358% | 3,492 |
| Net interest margin | 3.5332% | 4,601 |
| Noninterest income to average assets | 0.3593% | 5,570 |
| Noninterest expense to average assets | 3.2475% | 2,803 |
| Loan and lease loss provision to assets | 0.0461% | 6,396 |
| Net operating income to assets | 0.2443% | 5,508 |
| Return on assets (ROA) | 0.4130% | 4,987 |
| Pretax return on assets | 0.5912% | 4,781 |
| Return on Equity (ROE) | 4.6852% | 4,618 |
| Retained earnings to average equity (ytd only) | 4.6852% | 3,315 |
| Net charge-offs to loans | 0.0074% | 5,573 |
| Credit loss provision to net charge-offs | 1,000.0000% | 612 |
| Earnings coverage of net charge-offs (x) | 86.0000% | 494 |
| Efficiency ratio | 89.1277% | 1,796 |
| Assets per employee ($millions) | 3.8096% | 4,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5441% | 2,740 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 59.4068% | 5,754 |
| Net loans and leases to deposits | 75.0970% | 5,328 |
| Net loans and leases to core deposits | 87.2380% | 5,816 |
| Total domestic deposits to total assets | 79.1067% | 5,679 |
| Equity capital to assets | 8.8135% | 5,600 |
| Core capital (leverage) ratio | 8.5435% | 5,444 |
| Tier 1 risk-based capital ratio | 15.2556% | 2,954 |
| Total risk-based capital ratio | 16.5106% | 2,893 |
| Memoranda: | ||
| Average total assets | $260,504,500 | 2,543 |
| Average earning assets | $242,161,000 | 2,517 |
| Average equity | $22,966,000 | 2,882 |
| Average total loans | $162,368,000 | 2,805 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9210% | 5,940 |
| Cost of funding earning assets | 2.3372% | 4,984 |
| Net interest margin | 3.5838% | 4,955 |
| Noninterest income to average assets | -0.2740% | 8,237 |
| Noninterest expense to average assets | 3.2971% | 2,972 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -0.3484% | 6,769 |
| Return on assets (ROA) | -0.3198% | 6,621 |
| Pretax return on assets | -0.1656% | 6,342 |
| Return on Equity (ROE) | -3.3684% | 6,670 |
| Retained earnings to average equity (ytd only) | -3.3684% | 6,199 |
| Net charge-offs to loans | 0.1627% | 4,571 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | -1.8629% | 6,700 |
| Efficiency ratio | 105.1740% | 833 |
| Assets per employee ($millions) | 3.7413% | 4,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4579% | 2,883 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1251% | 7,077 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 63.4162% | 5,386 |
| Net loans and leases to deposits | 82.9885% | 4,576 |
| Net loans and leases to core deposits | 97.2560% | 5,121 |
| Total domestic deposits to total assets | 76.4156% | 6,141 |
| Equity capital to assets | 8.8185% | 5,621 |
| Core capital (leverage) ratio | 8.5908% | 5,397 |
| Tier 1 risk-based capital ratio | 14.7886% | 3,153 |
| Total risk-based capital ratio | 16.0434% | 3,071 |
| Memoranda: | ||
| Average total assets | $237,937,800 | 2,671 |
| Average earning assets | $224,201,200 | 2,607 |
| Average equity | $22,592,200 | 2,895 |
| Average total loans | $152,435,000 | 2,881 |