Home > Alpine Capital Bank > Performance and Condition Ratios
Alpine Capital Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1953% | 496 |
| Cost of funding earning assets | 0.6159% | 4,045 |
| Net interest margin | 5.5795% | 166 |
| Noninterest income to average assets | 0.0600% | 4,411 |
| Noninterest expense to average assets | 2.1284% | 3,326 |
| Loan and lease loss provision to assets | -0.1000% | 4,517 |
| Net operating income to assets | 2.9645% | 169 |
| Return on assets (ROA) | 2.9645% | 166 |
| Pretax return on assets | 3.5043% | 147 |
| Return on Equity (ROE) | 12.1800% | 1,915 |
| Retained earnings to average equity (ytd only) | -48.2124% | 4,555 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 38.4889% | 4,390 |
| Assets per employee ($millions) | 10.2510% | 651 |
| Cash dividends to net income (ytd only)* | 495.9301% | 12 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6030% | 833 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 29.9400% | 4,291 |
| Net loans and leases to deposits | 37.0958% | 4,255 |
| Net loans and leases to core deposits | 40.3015% | 4,281 |
| Total domestic deposits to total assets | 80.7100% | 3,355 |
| Equity capital to assets | 17.6019% | 365 |
| Core capital (leverage) ratio | 16.4771% | 433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.6286% | 146 |
| Memoranda: | ||
| Average total assets | $223,781,200 | 2,823 |
| Average earning assets | $219,358,400 | 2,745 |
| Average equity | $54,479,800 | 1,501 |
| Average total loans | $65,841,400 | 3,610 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1013% | 467 |
| Cost of funding earning assets | 0.5740% | 4,019 |
| Net interest margin | 5.5272% | 176 |
| Noninterest income to average assets | 0.0600% | 4,432 |
| Noninterest expense to average assets | 2.1214% | 3,299 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.8520% | 194 |
| Return on assets (ROA) | 2.8520% | 194 |
| Pretax return on assets | 3.3564% | 176 |
| Return on Equity (ROE) | 11.0700% | 2,357 |
| Retained earnings to average equity (ytd only) | 3.0057% | 3,508 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 38.7273% | 4,391 |
| Assets per employee ($millions) | 13.0505% | 297 |
| Cash dividends to net income (ytd only)* | 72.8450% | 591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1456% | 322 |
| 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 | 24.2600% | 4,396 |
| Net loans and leases to deposits | 34.4475% | 4,326 |
| Net loans and leases to core deposits | 37.3691% | 4,305 |
| Total domestic deposits to total assets | 70.4200% | 4,312 |
| Equity capital to assets | 27.7681% | 172 |
| Core capital (leverage) ratio | 28.2636% | 132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 71.9376% | 77 |
| Memoranda: | ||
| Average total assets | $231,034,250 | 2,801 |
| Average earning assets | $226,460,750 | 2,711 |
| Average equity | $59,529,000 | 1,392 |
| Average total loans | $67,485,500 | 3,597 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5987% | 732 |
| Cost of funding earning assets | 0.5589% | 3,859 |
| Net interest margin | 5.0398% | 298 |
| Noninterest income to average assets | 0.0600% | 4,461 |
| Noninterest expense to average assets | 2.0812% | 3,397 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.4700% | 253 |
| Return on assets (ROA) | 2.4700% | 248 |
| Pretax return on assets | 2.9176% | 224 |
| Return on Equity (ROE) | 9.8300% | 2,761 |
| Retained earnings to average equity (ytd only) | -2.4101% | 4,314 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 41.6339% | 4,350 |
| Assets per employee ($millions) | 11.9207% | 383 |
| Cash dividends to net income (ytd only)* | 124.5244% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6639% | 811 |
| Loan loss allowance to noncurrent loans | 33.7336% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 1.6302% | 208 |
| Noncurrent loans to loans | 4.9325% | 52 |
| Net loans and leases to total assets | 32.5000% | 4,270 |
| Net loans and leases to deposits | 46.1327% | 4,042 |
| Net loans and leases to core deposits | 51.9561% | 3,956 |
| Total domestic deposits to total assets | 70.4500% | 4,343 |
| Equity capital to assets | 27.6406% | 169 |
| Core capital (leverage) ratio | 27.4587% | 136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 54.5912% | 93 |
| Memoranda: | ||
| Average total assets | $234,092,667 | 2,790 |
| Average earning assets | $229,372,667 | 2,704 |
| Average equity | $58,836,667 | 1,411 |
| Average total loans | $71,648,667 | 3,534 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5097% | 616 |
| Cost of funding earning assets | 0.5324% | 3,589 |
| Net interest margin | 4.9774% | 305 |
| Noninterest income to average assets | 0.0700% | 4,475 |
| Noninterest expense to average assets | 2.0291% | 3,561 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.4884% | 244 |
| Return on assets (ROA) | 2.4884% | 242 |
| Pretax return on assets | 2.9165% | 218 |
| Return on Equity (ROE) | 10.3500% | 2,682 |
| Retained earnings to average equity (ytd only) | -14.2183% | 4,539 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 41.0282% | 4,419 |
| Assets per employee ($millions) | 12.4391% | 354 |
| Cash dividends to net income (ytd only)* | 237.3105% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6536% | 902 |
| Loan loss allowance to noncurrent loans | 33.7336% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 1.5623% | 198 |
| Noncurrent loans to loans | 4.9020% | 59 |
| Net loans and leases to total assets | 31.3400% | 4,342 |
| Net loans and leases to deposits | 43.2985% | 4,119 |
| Net loans and leases to core deposits | 50.6320% | 3,968 |
| Total domestic deposits to total assets | 72.3900% | 4,346 |
| Equity capital to assets | 25.7714% | 144 |
| Core capital (leverage) ratio | 23.7150% | 183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 50.9779% | 105 |
| Memoranda: | ||
| Average total assets | $243,853,000 | 2,761 |
| Average earning assets | $238,922,000 | 2,677 |
| Average equity | $58,600,500 | 1,419 |
| Average total loans | $72,014,500 | 3,571 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2491% | 3,716 |
| Cost of funding earning assets | 0.2229% | 3,574 |
| Net interest margin | 3.0262% | 3,375 |
| Noninterest income to average assets | 0.1200% | 4,342 |
| Noninterest expense to average assets | 1.6999% | 4,182 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1671% | 1,905 |
| Return on assets (ROA) | 1.1671% | 1,840 |
| Pretax return on assets | 1.3947% | 1,779 |
| Return on Equity (ROE) | 5.6500% | 3,894 |
| Retained earnings to average equity (ytd only) | 3.2364% | 3,652 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 54.9310% | 3,693 |
| Assets per employee ($millions) | 13.8844% | 250 |
| Cash dividends to net income (ytd only)* | 42.6699% | 1,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6238% | 930 |
| Loan loss allowance to noncurrent loans | 15.9654% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 2.8017% | 59 |
| Noncurrent loans to loans | 10.1706% | 13 |
| Net loans and leases to total assets | 27.1000% | 4,456 |
| Net loans and leases to deposits | 35.7232% | 4,347 |
| Net loans and leases to core deposits | 37.9265% | 4,334 |
| Total domestic deposits to total assets | 75.8600% | 4,261 |
| Equity capital to assets | 22.5540% | 180 |
| Core capital (leverage) ratio | 23.5339% | 180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.4346% | 101 |
| Memoranda: | ||
| Average total assets | $281,127,000 | 2,549 |
| Average earning assets | $276,753,000 | 2,459 |
| Average equity | $58,119,800 | 1,441 |
| Average total loans | $94,277,000 | 3,227 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8847% | 4,081 |
| Cost of funding earning assets | 0.1659% | 3,671 |
| Net interest margin | 2.7188% | 3,890 |
| Noninterest income to average assets | 0.1100% | 4,421 |
| Noninterest expense to average assets | 1.6348% | 4,265 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9379% | 2,722 |
| Return on assets (ROA) | 0.9379% | 2,685 |
| Pretax return on assets | 1.1509% | 2,553 |
| Return on Equity (ROE) | 4.6300% | 4,052 |
| Retained earnings to average equity (ytd only) | 1.4031% | 4,156 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 58.6854% | 3,300 |
| Assets per employee ($millions) | 12.6216% | 337 |
| Cash dividends to net income (ytd only)* | 69.7211% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3464% | 1,821 |
| Loan loss allowance to noncurrent loans | 33.7336% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 1.3857% | 263 |
| Noncurrent loans to loans | 3.9911% | 94 |
| Net loans and leases to total assets | 34.2500% | 4,291 |
| Net loans and leases to deposits | 45.5419% | 4,047 |
| Net loans and leases to core deposits | 49.9368% | 3,954 |
| Total domestic deposits to total assets | 75.2100% | 4,397 |
| Equity capital to assets | 22.9769% | 162 |
| Core capital (leverage) ratio | 22.2242% | 192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.7311% | 125 |
| Memoranda: | ||
| Average total assets | $285,458,000 | 2,545 |
| Average earning assets | $281,242,500 | 2,453 |
| Average equity | $57,775,250 | 1,457 |
| Average total loans | $99,678,750 | 3,158 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4214% | 4,447 |
| Cost of funding earning assets | 0.0971% | 4,217 |
| Net interest margin | 2.3243% | 4,310 |
| Noninterest income to average assets | 0.1241% | 4,377 |
| Noninterest expense to average assets | 1.5509% | 4,355 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6604% | 3,438 |
| Return on assets (ROA) | 0.6604% | 3,387 |
| Pretax return on assets | 0.8669% | 3,155 |
| Return on Equity (ROE) | 3.3934% | 4,155 |
| Retained earnings to average equity (ytd only) | -1.4593% | 4,337 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1462% | 2,751 |
| Assets per employee ($millions) | 14.5540% | 215 |
| Cash dividends to net income (ytd only)* | 143.0031% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2023% | 2,667 |
| Loan loss allowance to noncurrent loans | 33.7336% | 3,912 |
| Noncurrent assets plus other real estate owned to assets | 1.2650% | 325 |
| Noncurrent loans to loans | 3.5642% | 117 |
| Net loans and leases to total assets | 35.0643% | 4,289 |
| Net loans and leases to deposits | 45.1768% | 4,059 |
| Net loans and leases to core deposits | 49.3262% | 3,964 |
| Total domestic deposits to total assets | 77.6158% | 4,373 |
| Equity capital to assets | 20.7293% | 154 |
| Core capital (leverage) ratio | 20.9489% | 165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.1856% | 128 |
| Memoranda: | ||
| Average total assets | $296,466,667 | 2,503 |
| Average earning assets | $292,561,667 | 2,418 |
| Average equity | $57,700,000 | 1,486 |
| Average total loans | $103,690,333 | 3,138 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0727% | 4,592 |
| Cost of funding earning assets | 0.0502% | 4,603 |
| Net interest margin | 2.0225% | 4,498 |
| Noninterest income to average assets | 0.1279% | 4,369 |
| Noninterest expense to average assets | 1.5011% | 4,424 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5156% | 3,669 |
| Return on assets (ROA) | 0.5156% | 3,638 |
| Pretax return on assets | 0.6266% | 3,561 |
| Return on Equity (ROE) | 2.7294% | 4,151 |
| Retained earnings to average equity (ytd only) | -6.9443% | 4,488 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5521% | 2,149 |
| Assets per employee ($millions) | 14.2684% | 236 |
| Cash dividends to net income (ytd only)* | 354.4304% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0991% | 3,327 |
| Loan loss allowance to noncurrent loans | 33.7336% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 1.2258% | 355 |
| Noncurrent loans to loans | 3.2583% | 145 |
| Net loans and leases to total assets | 37.2074% | 4,150 |
| Net loans and leases to deposits | 47.4636% | 3,904 |
| Net loans and leases to core deposits | 51.6397% | 3,761 |
| Total domestic deposits to total assets | 78.3914% | 4,380 |
| Equity capital to assets | 19.9798% | 163 |
| Core capital (leverage) ratio | 18.9253% | 215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.3326% | 157 |
| Memoranda: | ||
| Average total assets | $306,437,000 | 2,469 |
| Average earning assets | $302,991,500 | 2,375 |
| Average equity | $57,889,000 | 1,527 |
| Average total loans | $106,464,500 | 3,106 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3637% | 4,557 |
| Cost of funding earning assets | 0.0583% | 4,649 |
| Net interest margin | 2.3054% | 4,406 |
| Noninterest income to average assets | 0.1663% | 4,325 |
| Noninterest expense to average assets | 1.1379% | 4,731 |
| Loan and lease loss provision to assets | -1.4204% | 4,837 |
| Net operating income to assets | 2.4603% | 168 |
| Return on assets (ROA) | 2.4654% | 172 |
| Pretax return on assets | 2.7440% | 187 |
| Return on Equity (ROE) | 12.7742% | 1,536 |
| Retained earnings to average equity (ytd only) | 11.1731% | 675 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3330% | 4,480 |
| Assets per employee ($millions) | 17.2372% | 145 |
| Cash dividends to net income (ytd only)* | 12.5340% | 3,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1177% | 3,285 |
| Loan loss allowance to noncurrent loans | 33.7336% | 4,006 |
| Noncurrent assets plus other real estate owned to assets | 1.0681% | 495 |
| Noncurrent loans to loans | 3.3134% | 157 |
| Net loans and leases to total assets | 31.8745% | 4,451 |
| Net loans and leases to deposits | 39.0028% | 4,368 |
| Net loans and leases to core deposits | 42.1860% | 4,337 |
| Total domestic deposits to total assets | 81.7237% | 4,006 |
| Equity capital to assets | 17.9423% | 260 |
| Core capital (leverage) ratio | 18.0733% | 245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.4752% | 143 |
| Memoranda: | ||
| Average total assets | $283,161,200 | 2,519 |
| Average earning assets | $281,208,400 | 2,431 |
| Average equity | $54,649,200 | 1,640 |
| Average total loans | $109,081,000 | 3,090 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4787% | 4,582 |
| Cost of funding earning assets | 0.0617% | 4,730 |
| Net interest margin | 2.4170% | 4,382 |
| Noninterest income to average assets | 0.1823% | 4,285 |
| Noninterest expense to average assets | 1.5887% | 4,479 |
| Loan and lease loss provision to assets | -0.5892% | 4,895 |
| Net operating income to assets | 1.5349% | 1,183 |
| Return on assets (ROA) | 1.5383% | 1,219 |
| Pretax return on assets | 1.5858% | 1,750 |
| Return on Equity (ROE) | 7.8052% | 3,458 |
| Retained earnings to average equity (ytd only) | 5.6295% | 2,987 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5297% | 2,763 |
| Assets per employee ($millions) | 15.3211% | 197 |
| Cash dividends to net income (ytd only)* | 27.8751% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7758% | 78 |
| Loan loss allowance to noncurrent loans | 114.3511% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 1.1416% | 537 |
| Noncurrent loans to loans | 3.3019% | 178 |
| Net loans and leases to total assets | 33.2673% | 4,498 |
| Net loans and leases to deposits | 41.0066% | 4,414 |
| Net loans and leases to core deposits | 44.6304% | 4,357 |
| Total domestic deposits to total assets | 81.1266% | 4,073 |
| Equity capital to assets | 18.0197% | 274 |
| Core capital (leverage) ratio | 19.2326% | 211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.9612% | 158 |
| Memoranda: | ||
| Average total assets | $272,075,000 | 2,609 |
| Average earning assets | $270,139,000 | 2,506 |
| Average equity | $53,621,000 | 1,683 |
| Average total loans | $109,958,500 | 3,119 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6088% | 4,541 |
| Cost of funding earning assets | 0.0665% | 4,761 |
| Net interest margin | 2.5423% | 4,257 |
| Noninterest income to average assets | 0.1305% | 4,551 |
| Noninterest expense to average assets | 1.7857% | 4,214 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8173% | 3,454 |
| Return on assets (ROA) | 0.8180% | 3,521 |
| Pretax return on assets | 0.8687% | 3,727 |
| Return on Equity (ROE) | 4.0159% | 4,327 |
| Retained earnings to average equity (ytd only) | 0.7195% | 4,394 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2932% | 1,968 |
| Assets per employee ($millions) | 13.3788% | 261 |
| Cash dividends to net income (ytd only)* | 82.0826% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8035% | 42 |
| Loan loss allowance to noncurrent loans | 148.7136% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 1.3073% | 493 |
| Noncurrent loans to loans | 3.2300% | 211 |
| Net loans and leases to total assets | 38.5294% | 4,363 |
| Net loans and leases to deposits | 48.7157% | 4,177 |
| Net loans and leases to core deposits | 54.2625% | 4,009 |
| Total domestic deposits to total assets | 79.0903% | 4,334 |
| Equity capital to assets | 19.8812% | 199 |
| Core capital (leverage) ratio | 20.4928% | 164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.4817% | 183 |
| Memoranda: | ||
| Average total assets | $260,626,333 | 2,680 |
| Average earning assets | $258,659,667 | 2,567 |
| Average equity | $53,089,333 | 1,691 |
| Average total loans | $111,298,667 | 3,110 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6985% | 4,481 |
| Cost of funding earning assets | 0.0753% | 4,778 |
| Net interest margin | 2.6232% | 4,105 |
| Noninterest income to average assets | 0.1276% | 4,562 |
| Noninterest expense to average assets | 1.8059% | 4,210 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8743% | 3,196 |
| Return on assets (ROA) | 0.8757% | 3,276 |
| Pretax return on assets | 0.9255% | 3,551 |
| Return on Equity (ROE) | 4.2462% | 4,240 |
| Retained earnings to average equity (ytd only) | -2.3531% | 4,565 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1538% | 2,209 |
| Assets per employee ($millions) | 11.9699% | 350 |
| Cash dividends to net income (ytd only)* | 155.4174% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4642% | 57 |
| Loan loss allowance to noncurrent loans | 148.7136% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 1.3916% | 482 |
| Noncurrent loans to loans | 3.0019% | 261 |
| Net loans and leases to total assets | 44.2874% | 4,099 |
| Net loans and leases to deposits | 56.7803% | 3,734 |
| Net loans and leases to core deposits | 64.4329% | 3,374 |
| Total domestic deposits to total assets | 77.9979% | 4,434 |
| Equity capital to assets | 20.9996% | 152 |
| Core capital (leverage) ratio | 21.1280% | 152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.4974% | 244 |
| Memoranda: | ||
| Average total assets | $257,152,000 | 2,690 |
| Average earning assets | $255,107,000 | 2,573 |
| Average equity | $53,035,500 | 1,681 |
| Average total loans | $112,799,500 | 3,089 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7629% | 4,766 |
| Cost of funding earning assets | 0.1257% | 4,797 |
| Net interest margin | 2.6372% | 4,451 |
| Noninterest income to average assets | 0.1376% | 4,603 |
| Noninterest expense to average assets | 1.9748% | 4,187 |
| Loan and lease loss provision to assets | -0.1950% | 4,981 |
| Net operating income to assets | 0.9157% | 2,627 |
| Return on assets (ROA) | 0.9282% | 2,720 |
| Pretax return on assets | 0.9876% | 3,080 |
| Return on Equity (ROE) | 4.5304% | 4,019 |
| Retained earnings to average equity (ytd only) | 1.3257% | 4,102 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7043% | 1,719 |
| Assets per employee ($millions) | 13.8388% | 222 |
| Cash dividends to net income (ytd only)* | 70.7368% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7693% | 48 |
| Loan loss allowance to noncurrent loans | 148.7136% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 1.3304% | 598 |
| Noncurrent loans to loans | 3.2070% | 247 |
| Net loans and leases to total assets | 39.5041% | 4,458 |
| Net loans and leases to deposits | 50.0938% | 4,313 |
| Net loans and leases to core deposits | 57.0682% | 4,095 |
| Total domestic deposits to total assets | 78.8603% | 4,219 |
| Equity capital to assets | 20.2653% | 188 |
| Core capital (leverage) ratio | 21.1817% | 147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.4814% | 208 |
| Memoranda: | ||
| Average total assets | $255,870,200 | 2,541 |
| Average earning assets | $253,863,600 | 2,447 |
| Average equity | $52,424,200 | 1,616 |
| Average total loans | $96,203,600 | 3,293 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8306% | 4,821 |
| Cost of funding earning assets | 0.1380% | 4,834 |
| Net interest margin | 2.6926% | 4,473 |
| Noninterest income to average assets | 0.1217% | 4,678 |
| Noninterest expense to average assets | 2.0700% | 4,008 |
| Loan and lease loss provision to assets | -0.2381% | 5,015 |
| Net operating income to assets | 0.8825% | 2,765 |
| Return on assets (ROA) | 0.8873% | 2,869 |
| Pretax return on assets | 0.9670% | 3,171 |
| Return on Equity (ROE) | 4.3184% | 4,089 |
| Retained earnings to average equity (ytd only) | 0.0281% | 4,476 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0984% | 1,397 |
| Assets per employee ($millions) | 13.1294% | 247 |
| Cash dividends to net income (ytd only)* | 99.3495% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7746% | 43 |
| Loan loss allowance to noncurrent loans | 150.0286% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 1.4022% | 643 |
| Noncurrent loans to loans | 3.1825% | 278 |
| Net loans and leases to total assets | 41.9572% | 4,502 |
| Net loans and leases to deposits | 53.8500% | 4,342 |
| Net loans and leases to core deposits | 62.0633% | 4,103 |
| Total domestic deposits to total assets | 77.9150% | 4,212 |
| Equity capital to assets | 21.1361% | 173 |
| Core capital (leverage) ratio | 21.3664% | 155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.0481% | 223 |
| Memoranda: | ||
| Average total assets | $254,103,500 | 2,540 |
| Average earning assets | $252,143,750 | 2,436 |
| Average equity | $52,209,000 | 1,614 |
| Average total loans | $92,986,250 | 3,368 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9663% | 4,859 |
| Cost of funding earning assets | 0.1632% | 4,851 |
| Net interest margin | 2.8031% | 4,445 |
| Noninterest income to average assets | 0.0923% | 4,804 |
| Noninterest expense to average assets | 2.2061% | 3,765 |
| Loan and lease loss provision to assets | -0.3544% | 5,049 |
| Net operating income to assets | 0.9270% | 2,601 |
| Return on assets (ROA) | 0.9341% | 2,696 |
| Pretax return on assets | 1.0295% | 2,933 |
| Return on Equity (ROE) | 4.5891% | 3,949 |
| Retained earnings to average equity (ytd only) | -1.8679% | 4,577 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7765% | 1,186 |
| Assets per employee ($millions) | 13.3473% | 232 |
| Cash dividends to net income (ytd only)* | 140.7035% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9916% | 39 |
| Loan loss allowance to noncurrent loans | 150.0286% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 1.3793% | 718 |
| Noncurrent loans to loans | 3.3271% | 256 |
| Net loans and leases to total assets | 39.3883% | 4,631 |
| Net loans and leases to deposits | 50.1927% | 4,523 |
| Net loans and leases to core deposits | 58.2471% | 4,343 |
| Total domestic deposits to total assets | 78.4742% | 4,122 |
| Equity capital to assets | 20.6390% | 187 |
| Core capital (leverage) ratio | 20.1178% | 202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.5309% | 224 |
| Memoranda: | ||
| Average total assets | $255,651,667 | 2,506 |
| Average earning assets | $253,648,000 | 2,396 |
| Average equity | $52,036,667 | 1,605 |
| Average total loans | $87,343,667 | 3,467 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1665% | 4,886 |
| Cost of funding earning assets | 0.2326% | 4,816 |
| Net interest margin | 2.9339% | 4,377 |
| Noninterest income to average assets | 0.0935% | 4,850 |
| Noninterest expense to average assets | 2.6149% | 2,936 |
| Loan and lease loss provision to assets | -0.7059% | 5,102 |
| Net operating income to assets | 0.9557% | 2,331 |
| Return on assets (ROA) | 0.9693% | 2,390 |
| Pretax return on assets | 1.1096% | 2,485 |
| Return on Equity (ROE) | 4.7952% | 3,711 |
| Retained earnings to average equity (ytd only) | -8.1565% | 4,696 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0784% | 627 |
| Assets per employee ($millions) | 13.4266% | 173 |
| Cash dividends to net income (ytd only)* | 270.0965% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2185% | 25 |
| Loan loss allowance to noncurrent loans | 150.0286% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 1.3712% | 830 |
| Noncurrent loans to loans | 4.1449% | 180 |
| Net loans and leases to total assets | 31.0244% | 4,888 |
| Net loans and leases to deposits | 39.2559% | 4,847 |
| Net loans and leases to core deposits | 45.7293% | 4,780 |
| Total domestic deposits to total assets | 79.0311% | 4,046 |
| Equity capital to assets | 20.1093% | 239 |
| Core capital (leverage) ratio | 19.6597% | 247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.4040% | 170 |
| Memoranda: | ||
| Average total assets | $256,678,500 | 2,453 |
| Average earning assets | $254,540,000 | 2,346 |
| Average equity | $51,885,000 | 1,603 |
| Average total loans | $78,447,500 | 3,610 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0644% | 4,118 |
| Cost of funding earning assets | 0.4171% | 4,386 |
| Net interest margin | 3.6473% | 2,975 |
| Noninterest income to average assets | 0.1872% | 4,546 |
| Noninterest expense to average assets | 1.5898% | 4,954 |
| Loan and lease loss provision to assets | 0.2313% | 825 |
| Net operating income to assets | 1.8233% | 503 |
| Return on assets (ROA) | 1.8121% | 537 |
| Pretax return on assets | 1.9622% | 648 |
| Return on Equity (ROE) | 9.1926% | 2,665 |
| Retained earnings to average equity (ytd only) | 5.8628% | 1,939 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.8880% | 5,029 |
| Assets per employee ($millions) | 12.9126% | 182 |
| Cash dividends to net income (ytd only)* | 36.2225% | 2,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.8632% | 8 |
| Loan loss allowance to noncurrent loans | 162.9788% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 1.3545% | 788 |
| Noncurrent loans to loans | 4.8247% | 113 |
| Net loans and leases to total assets | 25.8667% | 5,021 |
| Net loans and leases to deposits | 32.7268% | 5,013 |
| Net loans and leases to core deposits | 38.8398% | 4,965 |
| Total domestic deposits to total assets | 79.0382% | 4,179 |
| Equity capital to assets | 20.3174% | 242 |
| Core capital (leverage) ratio | 20.0729% | 238 |
| Tier 1 risk-based capital ratio | 42.6002% | 206 |
| Total risk-based capital ratio | 43.9047% | 199 |
| Memoranda: | ||
| Average total assets | $255,942,400 | 2,418 |
| Average earning assets | $253,200,800 | 2,315 |
| Average equity | $50,453,600 | 1,586 |
| Average total loans | $84,669,000 | 3,513 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2645% | 3,764 |
| Cost of funding earning assets | 0.4605% | 4,301 |
| Net interest margin | 3.8040% | 2,585 |
| Noninterest income to average assets | 0.2104% | 4,464 |
| Noninterest expense to average assets | 1.5878% | 5,013 |
| Loan and lease loss provision to assets | 0.2866% | 519 |
| Net operating income to assets | 1.9407% | 446 |
| Return on assets (ROA) | 1.9407% | 463 |
| Pretax return on assets | 2.0973% | 555 |
| Return on Equity (ROE) | 9.9218% | 2,465 |
| Retained earnings to average equity (ytd only) | 5.4374% | 2,652 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.9763% | 5,125 |
| Assets per employee ($millions) | 12.8997% | 172 |
| Cash dividends to net income (ytd only)* | 45.1976% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9436% | 15 |
| Loan loss allowance to noncurrent loans | 161.6571% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 1.3566% | 873 |
| Noncurrent loans to loans | 4.2953% | 147 |
| Net loans and leases to total assets | 29.3910% | 5,059 |
| Net loans and leases to deposits | 37.1172% | 5,047 |
| Net loans and leases to core deposits | 44.6036% | 4,944 |
| Total domestic deposits to total assets | 79.1844% | 4,147 |
| Equity capital to assets | 19.9764% | 258 |
| Core capital (leverage) ratio | 20.3438% | 239 |
| Tier 1 risk-based capital ratio | 37.4650% | 290 |
| Total risk-based capital ratio | 38.7623% | 285 |
| Memoranda: | ||
| Average total assets | $255,365,250 | 2,444 |
| Average earning assets | $252,499,000 | 2,340 |
| Average equity | $49,949,500 | 1,602 |
| Average total loans | $87,710,750 | 3,494 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3542% | 3,478 |
| Cost of funding earning assets | 0.4764% | 4,224 |
| Net interest margin | 3.8778% | 2,315 |
| Noninterest income to average assets | 0.2601% | 4,197 |
| Noninterest expense to average assets | 1.2944% | 5,207 |
| Loan and lease loss provision to assets | 0.5525% | 201 |
| Net operating income to assets | 2.0889% | 336 |
| Return on assets (ROA) | 2.0889% | 349 |
| Pretax return on assets | 2.2453% | 405 |
| Return on Equity (ROE) | 10.7568% | 2,073 |
| Retained earnings to average equity (ytd only) | 3.9579% | 3,267 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.6305% | 5,249 |
| Assets per employee ($millions) | 11.9779% | 208 |
| Cash dividends to net income (ytd only)* | 63.2054% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0036% | 12 |
| Loan loss allowance to noncurrent loans | 2,039.2982% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.1190% | 4,159 |
| Noncurrent loans to loans | 0.3434% | 3,317 |
| Net loans and leases to total assets | 32.2153% | 5,069 |
| Net loans and leases to deposits | 41.2428% | 5,021 |
| Net loans and leases to core deposits | 51.5352% | 4,827 |
| Total domestic deposits to total assets | 78.1113% | 4,374 |
| Equity capital to assets | 21.0480% | 208 |
| Core capital (leverage) ratio | 19.8533% | 243 |
| Tier 1 risk-based capital ratio | 38.2757% | 266 |
| Total risk-based capital ratio | 39.5756% | 257 |
| Memoranda: | ||
| Average total assets | $254,489,000 | 2,457 |
| Average earning assets | $251,483,330 | 2,354 |
| Average equity | $49,420,000 | 1,609 |
| Average total loans | $89,786,000 | 3,466 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3340% | 3,446 |
| Cost of funding earning assets | 0.4589% | 4,247 |
| Net interest margin | 3.8751% | 2,266 |
| Noninterest income to average assets | 0.2764% | 4,033 |
| Noninterest expense to average assets | 1.2475% | 5,271 |
| Loan and lease loss provision to assets | 0.6108% | 172 |
| Net operating income to assets | 2.0904% | 331 |
| Return on assets (ROA) | 2.0904% | 347 |
| Pretax return on assets | 2.2477% | 400 |
| Return on Equity (ROE) | 11.1940% | 1,870 |
| Retained earnings to average equity (ytd only) | -2.5430% | 4,785 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.3830% | 5,311 |
| Assets per employee ($millions) | 13.5616% | 148 |
| Cash dividends to net income (ytd only)* | 122.7173% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9112% | 23 |
| Loan loss allowance to noncurrent loans | 1,765.7051% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.1211% | 4,198 |
| Noncurrent loans to loans | 0.3348% | 3,377 |
| Net loans and leases to total assets | 34.0306% | 5,073 |
| Net loans and leases to deposits | 42.4599% | 5,027 |
| Net loans and leases to core deposits | 51.6486% | 4,847 |
| Total domestic deposits to total assets | 80.1476% | 4,151 |
| Equity capital to assets | 18.9792% | 288 |
| Core capital (leverage) ratio | 18.7825% | 287 |
| Tier 1 risk-based capital ratio | 33.8238% | 355 |
| Total risk-based capital ratio | 35.1176% | 350 |
| Memoranda: | ||
| Average total assets | $261,955,000 | 2,431 |
| Average earning assets | $258,882,500 | 2,323 |
| Average equity | $48,919,000 | 1,610 |
| Average total loans | $93,186,000 | 3,424 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8110% | 4,465 |
| Cost of funding earning assets | 0.3399% | 4,347 |
| Net interest margin | 3.4712% | 3,797 |
| Noninterest income to average assets | 0.2181% | 4,605 |
| Noninterest expense to average assets | 1.9242% | 4,860 |
| Loan and lease loss provision to assets | -0.1718% | 5,317 |
| Net operating income to assets | 1.7443% | 626 |
| Return on assets (ROA) | 1.7443% | 620 |
| Pretax return on assets | 1.8995% | 722 |
| Return on Equity (ROE) | 10.1445% | 2,458 |
| Retained earnings to average equity (ytd only) | 7.5988% | 1,415 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6894% | 4,742 |
| Assets per employee ($millions) | 15.6611% | 92 |
| Cash dividends to net income (ytd only)* | 25.0949% | 3,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4832% | 27 |
| Loan loss allowance to noncurrent loans | 1,472.3343% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.1303% | 4,172 |
| Noncurrent loans to loans | 0.3724% | 3,204 |
| Net loans and leases to total assets | 33.0782% | 5,143 |
| Net loans and leases to deposits | 41.0620% | 5,104 |
| Net loans and leases to core deposits | 50.7755% | 4,922 |
| Total domestic deposits to total assets | 80.5566% | 3,984 |
| Equity capital to assets | 18.3797% | 313 |
| Core capital (leverage) ratio | 18.6385% | 282 |
| Tier 1 risk-based capital ratio | 31.5875% | 408 |
| Total risk-based capital ratio | 32.8767% | 403 |
| Memoranda: | ||
| Average total assets | $271,854,400 | 2,316 |
| Average earning assets | $268,929,800 | 2,204 |
| Average equity | $46,744,400 | 1,607 |
| Average total loans | $101,336,600 | 3,271 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6890% | 4,671 |
| Cost of funding earning assets | 0.3164% | 4,403 |
| Net interest margin | 3.3726% | 4,092 |
| Noninterest income to average assets | 0.2064% | 4,724 |
| Noninterest expense to average assets | 1.8536% | 4,970 |
| Loan and lease loss provision to assets | -0.1361% | 5,372 |
| Net operating income to assets | 1.6785% | 786 |
| Return on assets (ROA) | 1.6785% | 787 |
| Pretax return on assets | 1.8283% | 948 |
| Return on Equity (ROE) | 9.9282% | 2,655 |
| Retained earnings to average equity (ytd only) | 6.4938% | 2,387 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2774% | 4,783 |
| Assets per employee ($millions) | 15.2872% | 96 |
| Cash dividends to net income (ytd only)* | 34.5931% | 2,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7539% | 27 |
| Loan loss allowance to noncurrent loans | 1,500.5666% | 416 |
| Noncurrent assets plus other real estate owned to assets | 0.1358% | 4,271 |
| Noncurrent loans to loans | 0.3834% | 3,281 |
| Net loans and leases to total assets | 33.3855% | 5,215 |
| Net loans and leases to deposits | 41.4801% | 5,167 |
| Net loans and leases to core deposits | 52.1635% | 4,963 |
| Total domestic deposits to total assets | 80.4858% | 4,000 |
| Equity capital to assets | 18.3252% | 310 |
| Core capital (leverage) ratio | 18.4096% | 300 |
| Tier 1 risk-based capital ratio | 32.2762% | 392 |
| Total risk-based capital ratio | 33.5686% | 381 |
| Memoranda: | ||
| Average total assets | $273,258,250 | 2,318 |
| Average earning assets | $270,566,250 | 2,204 |
| Average equity | $46,197,000 | 1,622 |
| Average total loans | $103,376,750 | 3,271 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5633% | 4,829 |
| Cost of funding earning assets | 0.3070% | 4,374 |
| Net interest margin | 3.2563% | 4,368 |
| Noninterest income to average assets | 0.2240% | 4,687 |
| Noninterest expense to average assets | 1.8098% | 5,080 |
| Loan and lease loss provision to assets | -0.1390% | 5,448 |
| Net operating income to assets | 1.6333% | 840 |
| Return on assets (ROA) | 1.6333% | 844 |
| Pretax return on assets | 1.7766% | 1,016 |
| Return on Equity (ROE) | 9.9210% | 2,598 |
| Retained earnings to average equity (ytd only) | 4.7155% | 3,227 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4963% | 4,838 |
| Assets per employee ($millions) | 16.0945% | 79 |
| Cash dividends to net income (ytd only)* | 52.4691% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5295% | 29 |
| Loan loss allowance to noncurrent loans | 1,499.4429% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.1312% | 4,341 |
| Noncurrent loans to loans | 0.3688% | 3,371 |
| Net loans and leases to total assets | 33.6132% | 5,251 |
| Net loans and leases to deposits | 40.9988% | 5,219 |
| Net loans and leases to core deposits | 51.5672% | 5,005 |
| Total domestic deposits to total assets | 81.9858% | 3,725 |
| Equity capital to assets | 16.9656% | 406 |
| Core capital (leverage) ratio | 17.1100% | 383 |
| Tier 1 risk-based capital ratio | 30.9202% | 446 |
| Total risk-based capital ratio | 32.2112% | 439 |
| Memoranda: | ||
| Average total assets | $277,717,000 | 2,301 |
| Average earning assets | $274,916,000 | 2,191 |
| Average equity | $45,721,330 | 1,646 |
| Average total loans | $107,149,000 | 3,220 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4495% | 4,955 |
| Cost of funding earning assets | 0.2977% | 4,366 |
| Net interest margin | 3.1518% | 4,597 |
| Noninterest income to average assets | 0.2445% | 4,538 |
| Noninterest expense to average assets | 1.6828% | 5,260 |
| Loan and lease loss provision to assets | -0.0229% | 5,431 |
| Net operating income to assets | 1.5799% | 900 |
| Return on assets (ROA) | 1.5799% | 907 |
| Pretax return on assets | 1.7028% | 1,109 |
| Return on Equity (ROE) | 9.7416% | 2,568 |
| Retained earnings to average equity (ytd only) | -0.7494% | 4,888 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0425% | 5,079 |
| Assets per employee ($millions) | 16.2452% | 72 |
| Cash dividends to net income (ytd only)* | 107.6923% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0967% | 36 |
| Loan loss allowance to noncurrent loans | 1,227.3731% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.1640% | 4,270 |
| Noncurrent loans to loans | 0.4153% | 3,295 |
| Net loans and leases to total assets | 37.4879% | 5,158 |
| Net loans and leases to deposits | 45.5762% | 5,112 |
| Net loans and leases to core deposits | 57.8706% | 4,760 |
| Total domestic deposits to total assets | 82.2533% | 3,884 |
| Equity capital to assets | 16.3900% | 456 |
| Core capital (leverage) ratio | 16.5706% | 425 |
| Tier 1 risk-based capital ratio | 28.4616% | 538 |
| Total risk-based capital ratio | 29.7496% | 533 |
| Memoranda: | ||
| Average total assets | $279,772,000 | 2,304 |
| Average earning assets | $276,790,000 | 2,198 |
| Average equity | $45,372,500 | 1,664 |
| Average total loans | $112,048,000 | 3,161 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2201% | 5,168 |
| Cost of funding earning assets | 0.2653% | 4,434 |
| Net interest margin | 2.9548% | 4,968 |
| Noninterest income to average assets | 0.2191% | 4,837 |
| Noninterest expense to average assets | 1.8372% | 5,208 |
| Loan and lease loss provision to assets | -0.1983% | 5,574 |
| Net operating income to assets | 1.3874% | 1,045 |
| Return on assets (ROA) | 1.3874% | 1,065 |
| Pretax return on assets | 1.4999% | 1,644 |
| Return on Equity (ROE) | 8.6921% | 2,454 |
| Retained earnings to average equity (ytd only) | 6.6105% | 1,226 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5320% | 4,470 |
| Assets per employee ($millions) | 16.6691% | 69 |
| Cash dividends to net income (ytd only)* | 23.9474% | 3,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8484% | 40 |
| Loan loss allowance to noncurrent loans | 1,089.0625% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.1807% | 4,229 |
| Noncurrent loans to loans | 0.4452% | 3,184 |
| Net loans and leases to total assets | 38.6167% | 5,191 |
| Net loans and leases to deposits | 46.4651% | 5,178 |
| Net loans and leases to core deposits | 58.4518% | 4,831 |
| Total domestic deposits to total assets | 83.1090% | 3,523 |
| Equity capital to assets | 16.0498% | 509 |
| Core capital (leverage) ratio | 15.7912% | 498 |
| Tier 1 risk-based capital ratio | 29.0623% | 494 |
| Total risk-based capital ratio | 30.3514% | 485 |
| Memoranda: | ||
| Average total assets | $273,891,200 | 2,324 |
| Average earning assets | $270,645,600 | 2,203 |
| Average equity | $43,718,000 | 1,700 |
| Average total loans | $113,021,400 | 3,140 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1232% | 5,310 |
| Cost of funding earning assets | 0.2601% | 4,478 |
| Net interest margin | 2.8631% | 5,140 |
| Noninterest income to average assets | 0.2421% | 4,757 |
| Noninterest expense to average assets | 1.8409% | 5,217 |
| Loan and lease loss provision to assets | -0.2028% | 5,656 |
| Net operating income to assets | 1.3303% | 1,252 |
| Return on assets (ROA) | 1.3303% | 1,278 |
| Pretax return on assets | 1.4314% | 2,008 |
| Return on Equity (ROE) | 8.3460% | 2,958 |
| Retained earnings to average equity (ytd only) | 5.5424% | 2,513 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9744% | 4,221 |
| Assets per employee ($millions) | 17.3478% | 63 |
| Cash dividends to net income (ytd only)* | 33.5916% | 2,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8654% | 43 |
| Loan loss allowance to noncurrent loans | 1,101.5444% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.1866% | 4,357 |
| Noncurrent loans to loans | 0.4417% | 3,381 |
| Net loans and leases to total assets | 40.1964% | 5,194 |
| Net loans and leases to deposits | 48.4510% | 5,173 |
| Net loans and leases to core deposits | 61.8081% | 4,722 |
| Total domestic deposits to total assets | 82.9629% | 3,464 |
| Equity capital to assets | 16.0359% | 542 |
| Core capital (leverage) ratio | 16.1980% | 465 |
| Tier 1 risk-based capital ratio | 27.3623% | 598 |
| Total risk-based capital ratio | 28.6493% | 588 |
| Memoranda: | ||
| Average total assets | $271,520,250 | 2,355 |
| Average earning assets | $268,137,250 | 2,235 |
| Average equity | $43,277,250 | 1,731 |
| Average total loans | $112,525,250 | 3,179 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0546% | 5,393 |
| Cost of funding earning assets | 0.2535% | 4,511 |
| Net interest margin | 2.8010% | 5,244 |
| Noninterest income to average assets | 0.2434% | 4,784 |
| Noninterest expense to average assets | 2.1046% | 4,764 |
| Loan and lease loss provision to assets | -0.4720% | 5,757 |
| Net operating income to assets | 1.2734% | 1,369 |
| Return on assets (ROA) | 1.2734% | 1,395 |
| Pretax return on assets | 1.3736% | 2,128 |
| Return on Equity (ROE) | 8.0063% | 3,031 |
| Retained earnings to average equity (ytd only) | 3.7605% | 3,452 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0074% | 2,673 |
| Assets per employee ($millions) | 17.5628% | 60 |
| Cash dividends to net income (ytd only)* | 53.0303% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0822% | 40 |
| Loan loss allowance to noncurrent loans | 811.0947% | 676 |
| Noncurrent assets plus other real estate owned to assets | 0.2566% | 4,099 |
| Noncurrent loans to loans | 0.6266% | 2,854 |
| Net loans and leases to total assets | 38.8712% | 5,264 |
| Net loans and leases to deposits | 47.1406% | 5,240 |
| Net loans and leases to core deposits | 60.0759% | 4,821 |
| Total domestic deposits to total assets | 82.4580% | 3,745 |
| Equity capital to assets | 16.5107% | 472 |
| Core capital (leverage) ratio | 15.9438% | 485 |
| Tier 1 risk-based capital ratio | 27.7260% | 567 |
| Total risk-based capital ratio | 29.0147% | 551 |
| Memoranda: | ||
| Average total assets | $269,505,330 | 2,376 |
| Average earning assets | $265,831,000 | 2,262 |
| Average equity | $42,866,330 | 1,743 |
| Average total loans | $110,941,330 | 3,210 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9673% | 5,492 |
| Cost of funding earning assets | 0.2396% | 4,638 |
| Net interest margin | 2.7277% | 5,354 |
| Noninterest income to average assets | 0.3170% | 4,284 |
| Noninterest expense to average assets | 2.2030% | 4,632 |
| Loan and lease loss provision to assets | -0.5768% | 5,836 |
| Net operating income to assets | 1.2769% | 1,302 |
| Return on assets (ROA) | 1.2769% | 1,336 |
| Pretax return on assets | 1.3811% | 1,945 |
| Return on Equity (ROE) | 8.1783% | 2,825 |
| Retained earnings to average equity (ytd only) | -0.3760% | 4,978 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2552% | 2,362 |
| Assets per employee ($millions) | 19.3295% | 52 |
| Cash dividends to net income (ytd only)* | 104.5977% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2423% | 37 |
| Loan loss allowance to noncurrent loans | 827.4566% | 690 |
| Noncurrent assets plus other real estate owned to assets | 0.2387% | 4,271 |
| Noncurrent loans to loans | 0.6335% | 2,930 |
| Net loans and leases to total assets | 35.6970% | 5,411 |
| Net loans and leases to deposits | 42.4087% | 5,404 |
| Net loans and leases to core deposits | 51.3128% | 5,173 |
| Total domestic deposits to total assets | 84.1738% | 3,410 |
| Equity capital to assets | 14.6787% | 716 |
| Core capital (leverage) ratio | 15.1369% | 582 |
| Tier 1 risk-based capital ratio | 27.3249% | 606 |
| Total risk-based capital ratio | 28.6143% | 587 |
| Memoranda: | ||
| Average total assets | $272,537,000 | 2,378 |
| Average earning assets | $268,794,500 | 2,258 |
| Average equity | $42,551,500 | 1,754 |
| Average total loans | $112,469,000 | 3,208 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1708% | 5,339 |
| Cost of funding earning assets | 0.2384% | 4,671 |
| Net interest margin | 2.9324% | 5,079 |
| Noninterest income to average assets | 0.1776% | 5,334 |
| Noninterest expense to average assets | 1.5777% | 5,662 |
| Loan and lease loss provision to assets | 0.2859% | 680 |
| Net operating income to assets | 1.1023% | 1,898 |
| Return on assets (ROA) | 1.1026% | 1,983 |
| Pretax return on assets | 1.2080% | 2,629 |
| Return on Equity (ROE) | 7.1633% | 3,384 |
| Retained earnings to average equity (ytd only) | 4.9626% | 2,370 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3697% | 5,417 |
| Assets per employee ($millions) | 17.0087% | 62 |
| Cash dividends to net income (ytd only)* | 30.7225% | 3,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2882% | 38 |
| Loan loss allowance to noncurrent loans | 863.0465% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.2779% | 4,162 |
| Noncurrent loans to loans | 0.6127% | 3,014 |
| Net loans and leases to total assets | 42.9552% | 5,184 |
| Net loans and leases to deposits | 52.0419% | 5,120 |
| Net loans and leases to core deposits | 67.2212% | 4,451 |
| Total domestic deposits to total assets | 82.5396% | 3,922 |
| Equity capital to assets | 16.6750% | 424 |
| Core capital (leverage) ratio | 17.2353% | 342 |
| Tier 1 risk-based capital ratio | 27.5420% | 592 |
| Total risk-based capital ratio | 28.8314% | 574 |
| Memoranda: | ||
| Average total assets | $268,626,600 | 2,374 |
| Average earning assets | $265,073,200 | 2,247 |
| Average equity | $41,349,400 | 1,787 |
| Average total loans | $133,184,800 | 2,875 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2205% | 5,333 |
| Cost of funding earning assets | 0.2375% | 4,729 |
| Net interest margin | 2.9830% | 5,047 |
| Noninterest income to average assets | 0.1368% | 5,573 |
| Noninterest expense to average assets | 1.5799% | 5,704 |
| Loan and lease loss provision to assets | 0.2608% | 699 |
| Net operating income to assets | 1.1358% | 1,861 |
| Return on assets (ROA) | 1.1362% | 1,968 |
| Pretax return on assets | 1.2392% | 2,661 |
| Return on Equity (ROE) | 7.5287% | 3,282 |
| Retained earnings to average equity (ytd only) | 4.5731% | 3,096 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3053% | 5,420 |
| Assets per employee ($millions) | 16.6839% | 62 |
| Cash dividends to net income (ytd only)* | 39.2579% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6837% | 49 |
| Loan loss allowance to noncurrent loans | 773.0618% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.3041% | 4,198 |
| Noncurrent loans to loans | 0.6059% | 3,200 |
| Net loans and leases to total assets | 47.8402% | 4,971 |
| Net loans and leases to deposits | 58.1628% | 4,871 |
| Net loans and leases to core deposits | 75.9073% | 3,845 |
| Total domestic deposits to total assets | 82.2523% | 3,856 |
| Equity capital to assets | 16.7987% | 449 |
| Core capital (leverage) ratio | 16.0585% | 463 |
| Tier 1 risk-based capital ratio | 25.1612% | 800 |
| Total risk-based capital ratio | 26.4455% | 777 |
| Memoranda: | ||
| Average total assets | $272,000,500 | 2,356 |
| Average earning assets | $268,314,000 | 2,229 |
| Average equity | $41,051,000 | 1,816 |
| Average total loans | $137,553,250 | 2,818 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1694% | 5,475 |
| Cost of funding earning assets | 0.2337% | 4,813 |
| Net interest margin | 2.9356% | 5,195 |
| Noninterest income to average assets | 0.1196% | 5,710 |
| Noninterest expense to average assets | 1.4804% | 5,849 |
| Loan and lease loss provision to assets | 0.3259% | 520 |
| Net operating income to assets | 1.1145% | 1,908 |
| Return on assets (ROA) | 1.1159% | 2,017 |
| Pretax return on assets | 1.2111% | 2,744 |
| Return on Equity (ROE) | 7.6520% | 3,173 |
| Retained earnings to average equity (ytd only) | 3.1826% | 3,874 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0857% | 5,614 |
| Assets per employee ($millions) | 17.5659% | 58 |
| Cash dividends to net income (ytd only)* | 58.4082% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4139% | 57 |
| Loan loss allowance to noncurrent loans | 699.5181% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.3150% | 4,237 |
| Noncurrent loans to loans | 0.6310% | 3,191 |
| Net loans and leases to total assets | 47.7181% | 5,013 |
| Net loans and leases to deposits | 57.1418% | 4,943 |
| Net loans and leases to core deposits | 72.5265% | 4,129 |
| Total domestic deposits to total assets | 83.5082% | 3,462 |
| Equity capital to assets | 15.6663% | 593 |
| Core capital (leverage) ratio | 14.6575% | 678 |
| Tier 1 risk-based capital ratio | 23.3739% | 975 |
| Total risk-based capital ratio | 24.6544% | 953 |
| Memoranda: | ||
| Average total assets | $279,248,000 | 2,308 |
| Average earning assets | $275,512,670 | 2,202 |
| Average equity | $40,721,330 | 1,825 |
| Average total loans | $141,535,330 | 2,759 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1881% | 5,499 |
| Cost of funding earning assets | 0.2316% | 4,888 |
| Net interest margin | 2.9565% | 5,206 |
| Noninterest income to average assets | 0.1323% | 5,681 |
| Noninterest expense to average assets | 1.4126% | 5,956 |
| Loan and lease loss provision to assets | 0.3399% | 442 |
| Net operating income to assets | 1.2191% | 1,492 |
| Return on assets (ROA) | 1.2218% | 1,593 |
| Pretax return on assets | 1.2998% | 2,307 |
| Return on Equity (ROE) | 8.6740% | 2,570 |
| Retained earnings to average equity (ytd only) | -0.3264% | 5,169 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3225% | 5,796 |
| Assets per employee ($millions) | 19.2180% | 50 |
| Cash dividends to net income (ytd only)* | 103.7628% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9789% | 95 |
| Loan loss allowance to noncurrent loans | 674.0964% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.2879% | 4,410 |
| Noncurrent loans to loans | 0.5903% | 3,420 |
| Net loans and leases to total assets | 46.8380% | 5,058 |
| Net loans and leases to deposits | 55.1839% | 5,028 |
| Net loans and leases to core deposits | 68.3051% | 4,371 |
| Total domestic deposits to total assets | 84.8763% | 3,175 |
| Equity capital to assets | 14.0490% | 965 |
| Core capital (leverage) ratio | 13.6474% | 931 |
| Tier 1 risk-based capital ratio | 22.3921% | 1,105 |
| Total risk-based capital ratio | 23.6707% | 1,076 |
| Memoranda: | ||
| Average total assets | $287,127,500 | 2,261 |
| Average earning assets | $283,306,500 | 2,160 |
| Average equity | $40,442,500 | 1,827 |
| Average total loans | $146,534,000 | 2,698 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1229% | 5,611 |
| Cost of funding earning assets | 0.2131% | 5,164 |
| Net interest margin | 2.9097% | 5,321 |
| Noninterest income to average assets | 0.0131% | 6,081 |
| Noninterest expense to average assets | 1.3796% | 6,044 |
| Loan and lease loss provision to assets | 0.4049% | 331 |
| Net operating income to assets | 1.0190% | 2,263 |
| Return on assets (ROA) | 1.0197% | 2,333 |
| Pretax return on assets | 1.1044% | 3,032 |
| Return on Equity (ROE) | 7.3035% | 3,359 |
| Retained earnings to average equity (ytd only) | 4.1038% | 3,086 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7658% | 5,853 |
| Assets per employee ($millions) | 19.0657% | 51 |
| Cash dividends to net income (ytd only)* | 43.8108% | 2,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5099% | 128 |
| Loan loss allowance to noncurrent loans | 644.6988% | 868 |
| Noncurrent assets plus other real estate owned to assets | 0.2902% | 4,430 |
| Noncurrent loans to loans | 0.5444% | 3,527 |
| Net loans and leases to total assets | 51.4370% | 4,739 |
| Net loans and leases to deposits | 60.4309% | 4,742 |
| Net loans and leases to core deposits | 75.4350% | 3,806 |
| Total domestic deposits to total assets | 85.1171% | 3,034 |
| Equity capital to assets | 14.1217% | 890 |
| Core capital (leverage) ratio | 14.4447% | 728 |
| Tier 1 risk-based capital ratio | 20.6959% | 1,348 |
| Total risk-based capital ratio | 21.9702% | 1,317 |
| Memoranda: | ||
| Average total assets | $282,046,200 | 2,253 |
| Average earning assets | $278,687,200 | 2,145 |
| Average equity | $39,378,200 | 1,826 |
| Average total loans | $151,918,200 | 2,569 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1245% | 5,678 |
| Cost of funding earning assets | 0.2098% | 5,294 |
| Net interest margin | 2.9148% | 5,379 |
| Noninterest income to average assets | 0.1390% | 5,790 |
| Noninterest expense to average assets | 1.4877% | 6,052 |
| Loan and lease loss provision to assets | 0.3363% | 406 |
| Net operating income to assets | 1.1054% | 1,984 |
| Return on assets (ROA) | 1.1063% | 2,058 |
| Pretax return on assets | 1.1964% | 2,838 |
| Return on Equity (ROE) | 7.9467% | 3,104 |
| Retained earnings to average equity (ytd only) | 3.6530% | 3,867 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2694% | 5,816 |
| Assets per employee ($millions) | 18.7099% | 56 |
| Cash dividends to net income (ytd only)* | 54.0309% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1780% | 203 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1108% | 5,306 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 53.3880% | 4,631 |
| Net loans and leases to deposits | 62.9998% | 4,643 |
| Net loans and leases to core deposits | 78.6546% | 3,547 |
| Total domestic deposits to total assets | 84.7432% | 3,117 |
| Equity capital to assets | 14.2701% | 921 |
| Core capital (leverage) ratio | 14.2737% | 793 |
| Tier 1 risk-based capital ratio | 19.9854% | 1,553 |
| Total risk-based capital ratio | 21.2580% | 1,509 |
| Memoranda: | ||
| Average total assets | $281,061,500 | 2,276 |
| Average earning assets | $277,750,750 | 2,162 |
| Average equity | $39,126,250 | 1,852 |
| Average total loans | $151,784,500 | 2,586 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0095% | 5,848 |
| Cost of funding earning assets | 0.2059% | 5,390 |
| Net interest margin | 2.8036% | 5,610 |
| Noninterest income to average assets | 0.1465% | 5,828 |
| Noninterest expense to average assets | 1.4097% | 6,166 |
| Loan and lease loss provision to assets | 0.3933% | 307 |
| Net operating income to assets | 1.0313% | 2,220 |
| Return on assets (ROA) | 1.0320% | 2,336 |
| Pretax return on assets | 1.1145% | 3,112 |
| Return on Equity (ROE) | 7.4758% | 3,334 |
| Retained earnings to average equity (ytd only) | 0.9841% | 5,176 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3297% | 5,942 |
| Assets per employee ($millions) | 17.7422% | 59 |
| Cash dividends to net income (ytd only)* | 86.8367% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1225% | 239 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1169% | 5,394 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 55.5147% | 4,383 |
| Net loans and leases to deposits | 65.8600% | 4,345 |
| Net loans and leases to core deposits | 81.1784% | 3,261 |
| Total domestic deposits to total assets | 84.2921% | 3,452 |
| Equity capital to assets | 14.6904% | 771 |
| Core capital (leverage) ratio | 13.7765% | 911 |
| Tier 1 risk-based capital ratio | 18.7615% | 1,851 |
| Total risk-based capital ratio | 20.0316% | 1,814 |
| Memoranda: | ||
| Average total assets | $281,199,000 | 2,294 |
| Average earning assets | $277,855,330 | 2,180 |
| Average equity | $38,818,670 | 1,872 |
| Average total loans | $150,795,670 | 2,604 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8519% | 6,029 |
| Cost of funding earning assets | 0.1961% | 5,546 |
| Net interest margin | 2.6558% | 5,854 |
| Noninterest income to average assets | 0.1759% | 5,660 |
| Noninterest expense to average assets | 1.3563% | 6,258 |
| Loan and lease loss provision to assets | 0.4156% | 272 |
| Net operating income to assets | 0.9629% | 2,429 |
| Return on assets (ROA) | 0.9642% | 2,561 |
| Pretax return on assets | 1.0321% | 3,370 |
| Return on Equity (ROE) | 7.1975% | 3,406 |
| Retained earnings to average equity (ytd only) | -5.8325% | 5,981 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3935% | 6,001 |
| Assets per employee ($millions) | 19.3196% | 52 |
| Cash dividends to net income (ytd only)* | 181.0345% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0077% | 294 |
| Loan loss allowance to noncurrent loans | 744.0594% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.2091% | 5,112 |
| Noncurrent loans to loans | 0.4042% | 4,380 |
| Net loans and leases to total assets | 50.1756% | 4,830 |
| Net loans and leases to deposits | 58.7708% | 4,855 |
| Net loans and leases to core deposits | 70.7073% | 4,087 |
| Total domestic deposits to total assets | 85.3751% | 3,234 |
| Equity capital to assets | 13.2732% | 1,268 |
| Core capital (leverage) ratio | 13.3649% | 1,026 |
| Tier 1 risk-based capital ratio | 18.7477% | 1,928 |
| Total risk-based capital ratio | 20.0174% | 1,888 |
| Memoranda: | ||
| Average total assets | $288,732,000 | 2,257 |
| Average earning assets | $285,559,500 | 2,136 |
| Average equity | $38,680,000 | 1,891 |
| Average total loans | $149,941,000 | 2,623 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1396% | 5,911 |
| Cost of funding earning assets | 0.2191% | 5,603 |
| Net interest margin | 2.9205% | 5,601 |
| Noninterest income to average assets | 0.5645% | 3,094 |
| Noninterest expense to average assets | 1.8544% | 6,003 |
| Loan and lease loss provision to assets | 0.0501% | 3,558 |
| Net operating income to assets | 1.3963% | 1,090 |
| Return on assets (ROA) | 1.3909% | 1,136 |
| Pretax return on assets | 1.5401% | 1,415 |
| Return on Equity (ROE) | 9.4013% | 2,391 |
| Retained earnings to average equity (ytd only) | 8.2631% | 929 |
| Net charge-offs to loans | 0.8148% | 428 |
| Credit loss provision to net charge-offs | 10.7759% | 4,094 |
| Earnings coverage of net charge-offs (x) | 3.4319% | 3,892 |
| Efficiency ratio | 53.7416% | 5,860 |
| Assets per employee ($millions) | 19.1780% | 52 |
| Cash dividends to net income (ytd only)* | 12.1072% | 4,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8066% | 372 |
| Loan loss allowance to noncurrent loans | 694.5545% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.2107% | 5,179 |
| Noncurrent loans to loans | 0.4041% | 4,426 |
| Net loans and leases to total assets | 50.6685% | 4,901 |
| Net loans and leases to deposits | 59.2430% | 4,961 |
| Net loans and leases to core deposits | 70.0372% | 4,324 |
| Total domestic deposits to total assets | 85.5265% | 3,066 |
| Equity capital to assets | 13.5207% | 1,155 |
| Core capital (leverage) ratio | 15.6528% | 512 |
| Tier 1 risk-based capital ratio | 19.4183% | 1,742 |
| Total risk-based capital ratio | 20.6886% | 1,709 |
| Memoranda: | ||
| Average total assets | $249,403,600 | 2,533 |
| Average earning assets | $246,462,000 | 2,374 |
| Average equity | $36,899,200 | 1,905 |
| Average total loans | $142,370,200 | 2,681 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1942% | 5,906 |
| Cost of funding earning assets | 0.2335% | 5,565 |
| Net interest margin | 2.9607% | 5,586 |
| Noninterest income to average assets | 0.0973% | 6,255 |
| Noninterest expense to average assets | 2.0063% | 5,765 |
| Loan and lease loss provision to assets | -0.0561% | 6,205 |
| Net operating income to assets | 0.9760% | 2,562 |
| Return on assets (ROA) | 0.9684% | 2,667 |
| Pretax return on assets | 1.0640% | 3,323 |
| Return on Equity (ROE) | 6.3808% | 4,040 |
| Retained earnings to average equity (ytd only) | 4.8423% | 3,189 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3785% | 4,159 |
| Assets per employee ($millions) | 15.4018% | 77 |
| Cash dividends to net income (ytd only)* | 24.1104% | 3,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4870% | 232 |
| Loan loss allowance to noncurrent loans | 291.2231% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 0.7644% | 3,525 |
| Noncurrent loans to loans | 1.1974% | 2,655 |
| Net loans and leases to total assets | 61.6157% | 3,546 |
| Net loans and leases to deposits | 74.6612% | 3,346 |
| Net loans and leases to core deposits | 86.5117% | 2,611 |
| Total domestic deposits to total assets | 82.5272% | 4,291 |
| Equity capital to assets | 16.1219% | 544 |
| Core capital (leverage) ratio | 14.8200% | 657 |
| Tier 1 risk-based capital ratio | 18.4205% | 2,079 |
| Total risk-based capital ratio | 19.6966% | 2,035 |
| Memoranda: | ||
| Average total assets | $239,837,000 | 2,631 |
| Average earning assets | $236,966,000 | 2,474 |
| Average equity | $36,400,250 | 1,939 |
| Average total loans | $140,471,000 | 2,722 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0413% | 6,138 |
| Cost of funding earning assets | 0.2359% | 5,620 |
| Net interest margin | 2.8054% | 5,894 |
| Noninterest income to average assets | 0.0997% | 6,287 |
| Noninterest expense to average assets | 2.1683% | 5,487 |
| Loan and lease loss provision to assets | -0.2611% | 6,511 |
| Net operating income to assets | 0.8773% | 2,922 |
| Return on assets (ROA) | 0.8601% | 3,114 |
| Pretax return on assets | 0.9457% | 3,699 |
| Return on Equity (ROE) | 5.7810% | 4,285 |
| Retained earnings to average equity (ytd only) | 3.4553% | 4,001 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5020% | 2,721 |
| Assets per employee ($millions) | 15.8508% | 71 |
| Cash dividends to net income (ytd only)* | 40.2299% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5121% | 246 |
| Loan loss allowance to noncurrent loans | 280.2617% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 0.6932% | 3,908 |
| Noncurrent loans to loans | 1.2531% | 2,719 |
| Net loans and leases to total assets | 53.3729% | 4,608 |
| Net loans and leases to deposits | 64.6329% | 4,427 |
| Net loans and leases to core deposits | 72.5010% | 3,999 |
| Total domestic deposits to total assets | 82.5785% | 4,454 |
| Equity capital to assets | 14.4323% | 839 |
| Core capital (leverage) ratio | 14.5968% | 679 |
| Tier 1 risk-based capital ratio | 18.3795% | 2,108 |
| Total risk-based capital ratio | 19.6556% | 2,060 |
| Memoranda: | ||
| Average total assets | $242,773,670 | 2,612 |
| Average earning assets | $239,898,330 | 2,445 |
| Average equity | $36,118,330 | 1,945 |
| Average total loans | $138,130,670 | 2,758 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0174% | 6,223 |
| Cost of funding earning assets | 0.2524% | 5,557 |
| Net interest margin | 2.7650% | 6,007 |
| Noninterest income to average assets | 0.1247% | 6,223 |
| Noninterest expense to average assets | 2.2464% | 5,334 |
| Loan and lease loss provision to assets | -0.3168% | 6,623 |
| Net operating income to assets | 0.8547% | 2,876 |
| Return on assets (ROA) | 0.8190% | 3,129 |
| Pretax return on assets | 0.8881% | 3,746 |
| Return on Equity (ROE) | 5.4186% | 4,321 |
| Retained earnings to average equity (ytd only) | 0.7359% | 5,295 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6431% | 2,382 |
| Assets per employee ($millions) | 15.0181% | 76 |
| Cash dividends to net income (ytd only)* | 86.4198% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8591% | 210 |
| Loan loss allowance to noncurrent loans | 287.5995% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.7316% | 3,927 |
| Noncurrent loans to loans | 1.3418% | 2,798 |
| Net loans and leases to total assets | 52.4192% | 4,626 |
| Net loans and leases to deposits | 64.0144% | 4,312 |
| Net loans and leases to core deposits | 81.1941% | 2,830 |
| Total domestic deposits to total assets | 81.8865% | 4,973 |
| Equity capital to assets | 14.9548% | 684 |
| Core capital (leverage) ratio | 14.3708% | 722 |
| Tier 1 risk-based capital ratio | 19.2885% | 1,880 |
| Total risk-based capital ratio | 20.5662% | 1,849 |
| Memoranda: | ||
| Average total assets | $237,354,500 | 2,663 |
| Average earning assets | $234,503,000 | 2,497 |
| Average equity | $35,876,500 | 1,945 |
| Average total loans | $137,052,500 | 2,779 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8163% | 6,490 |
| Cost of funding earning assets | 0.2510% | 5,957 |
| Net interest margin | 2.5653% | 6,306 |
| Noninterest income to average assets | 0.0810% | 6,456 |
| Noninterest expense to average assets | 1.8042% | 6,312 |
| Loan and lease loss provision to assets | 0.1065% | 3,017 |
| Net operating income to assets | 0.6479% | 4,041 |
| Return on assets (ROA) | 0.6337% | 4,210 |
| Pretax return on assets | 0.6863% | 4,592 |
| Return on Equity (ROE) | 4.3213% | 4,969 |
| Retained earnings to average equity (ytd only) | 3.3243% | 3,871 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0598% | 4,000 |
| Assets per employee ($millions) | 14.6512% | 79 |
| Cash dividends to net income (ytd only)* | 23.0719% | 3,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6648% | 253 |
| Loan loss allowance to noncurrent loans | 298.2935% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 0.7499% | 4,009 |
| Noncurrent loans to loans | 1.2286% | 3,092 |
| Net loans and leases to total assets | 58.8037% | 3,905 |
| Net loans and leases to deposits | 71.9677% | 3,527 |
| Net loans and leases to core deposits | 92.7108% | 1,705 |
| Total domestic deposits to total assets | 81.7084% | 4,969 |
| Equity capital to assets | 15.2795% | 627 |
| Core capital (leverage) ratio | 14.7397% | 638 |
| Tier 1 risk-based capital ratio | 19.5066% | 1,785 |
| Total risk-based capital ratio | 20.7837% | 1,735 |
| Memoranda: | ||
| Average total assets | $239,387,800 | 2,623 |
| Average earning assets | $236,228,000 | 2,456 |
| Average equity | $35,105,200 | 1,964 |
| Average total loans | $126,140,600 | 2,913 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7268% | 6,614 |
| Cost of funding earning assets | 0.2482% | 6,101 |
| Net interest margin | 2.4785% | 6,444 |
| Noninterest income to average assets | 0.0731% | 6,566 |
| Noninterest expense to average assets | 1.8146% | 6,321 |
| Loan and lease loss provision to assets | 0.0881% | 3,301 |
| Net operating income to assets | 0.5500% | 4,588 |
| Return on assets (ROA) | 0.5308% | 4,821 |
| Pretax return on assets | 0.5940% | 5,037 |
| Return on Equity (ROE) | 3.6571% | 5,368 |
| Retained earnings to average equity (ytd only) | 2.3210% | 4,940 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0572% | 3,393 |
| Assets per employee ($millions) | 15.1884% | 84 |
| Cash dividends to net income (ytd only)* | 36.5349% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9423% | 251 |
| Loan loss allowance to noncurrent loans | 292.8328% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.7234% | 4,299 |
| Noncurrent loans to loans | 1.3463% | 3,168 |
| Net loans and leases to total assets | 51.6166% | 4,927 |
| Net loans and leases to deposits | 62.7083% | 4,670 |
| Net loans and leases to core deposits | 79.9449% | 3,139 |
| Total domestic deposits to total assets | 82.3122% | 4,824 |
| Equity capital to assets | 14.5423% | 814 |
| Core capital (leverage) ratio | 15.0594% | 628 |
| Tier 1 risk-based capital ratio | 21.5438% | 1,393 |
| Total risk-based capital ratio | 22.8250% | 1,362 |
| Memoranda: | ||
| Average total assets | $240,630,000 | 2,639 |
| Average earning assets | $237,391,000 | 2,461 |
| Average equity | $34,927,000 | 1,987 |
| Average total loans | $121,903,000 | 3,022 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6235% | 6,698 |
| Cost of funding earning assets | 0.2486% | 6,181 |
| Net interest margin | 2.3748% | 6,571 |
| Noninterest income to average assets | 0.0625% | 6,630 |
| Noninterest expense to average assets | 1.9555% | 6,119 |
| Loan and lease loss provision to assets | -0.0834% | 6,692 |
| Net operating income to assets | 0.4652% | 4,952 |
| Return on assets (ROA) | 0.4361% | 5,239 |
| Pretax return on assets | 0.4987% | 5,384 |
| Return on Equity (ROE) | 3.0067% | 5,622 |
| Retained earnings to average equity (ytd only) | 0.9946% | 5,505 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3389% | 1,985 |
| Assets per employee ($millions) | 13.2340% | 107 |
| Cash dividends to net income (ytd only)* | 66.9216% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1447% | 226 |
| 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 | 53.3989% | 4,675 |
| Net loans and leases to deposits | 66.7515% | 4,178 |
| Net loans and leases to core deposits | 89.8750% | 1,918 |
| Total domestic deposits to total assets | 79.9966% | 5,605 |
| Equity capital to assets | 16.4954% | 469 |
| Core capital (leverage) ratio | 14.8634% | 637 |
| Tier 1 risk-based capital ratio | 23.2679% | 1,094 |
| Total risk-based capital ratio | 24.5526% | 1,071 |
| Memoranda: | ||
| Average total assets | $239,835,000 | 2,652 |
| Average earning assets | $236,478,330 | 2,479 |
| Average equity | $34,789,330 | 2,001 |
| Average total loans | $119,009,330 | 3,093 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4892% | 6,812 |
| Cost of funding earning assets | 0.2381% | 6,361 |
| Net interest margin | 2.2511% | 6,729 |
| Noninterest income to average assets | 0.0677% | 6,677 |
| Noninterest expense to average assets | 1.3896% | 6,828 |
| Loan and lease loss provision to assets | 0.3687% | 871 |
| Net operating income to assets | 0.4697% | 4,825 |
| Return on assets (ROA) | 0.4333% | 5,146 |
| Pretax return on assets | 0.4884% | 5,301 |
| Return on Equity (ROE) | 3.1682% | 5,510 |
| Retained earnings to average equity (ytd only) | -0.8641% | 5,930 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7438% | 5,483 |
| Assets per employee ($millions) | 13.8709% | 105 |
| Cash dividends to net income (ytd only)* | 127.2727% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3099% | 225 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 49.1769% | 5,091 |
| Net loans and leases to deposits | 59.7514% | 4,822 |
| Net loans and leases to core deposits | 77.1065% | 3,192 |
| Total domestic deposits to total assets | 82.3024% | 5,090 |
| Equity capital to assets | 14.7227% | 819 |
| Core capital (leverage) ratio | 13.6982% | 875 |
| Tier 1 risk-based capital ratio | 23.7454% | 1,054 |
| Total risk-based capital ratio | 25.0299% | 1,025 |
| Memoranda: | ||
| Average total assets | $253,880,500 | 2,547 |
| Average earning assets | $250,366,500 | 2,373 |
| Average equity | $34,720,000 | 2,031 |
| Average total loans | $119,535,000 | 3,094 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6128% | 6,902 |
| Cost of funding earning assets | 0.2342% | 6,735 |
| Net interest margin | 2.3786% | 6,796 |
| Noninterest income to average assets | 0.1395% | 6,338 |
| Noninterest expense to average assets | 1.7035% | 6,722 |
| Loan and lease loss provision to assets | 0.2051% | 3,093 |
| Net operating income to assets | 0.5402% | 4,516 |
| Return on assets (ROA) | 0.5248% | 4,849 |
| Pretax return on assets | 0.5601% | 5,104 |
| Return on Equity (ROE) | 3.7833% | 5,234 |
| Retained earnings to average equity (ytd only) | 2.3339% | 4,592 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5488% | 4,048 |
| Assets per employee ($millions) | 18.1303% | 62 |
| Cash dividends to net income (ytd only)* | 38.3112% | 2,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2321% | 244 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 41.5128% | 6,044 |
| Net loans and leases to deposits | 48.9586% | 6,038 |
| Net loans and leases to core deposits | 61.1687% | 5,256 |
| Total domestic deposits to total assets | 84.7916% | 3,947 |
| Equity capital to assets | 12.7679% | 1,555 |
| Core capital (leverage) ratio | 13.2790% | 1,022 |
| Tier 1 risk-based capital ratio | 24.0478% | 961 |
| Total risk-based capital ratio | 25.3312% | 942 |
| Memoranda: | ||
| Average total assets | $243,728,000 | 2,593 |
| Average earning assets | $240,356,400 | 2,407 |
| Average equity | $33,806,200 | 2,039 |
| Average total loans | $121,444,200 | 3,044 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6953% | 6,998 |
| Cost of funding earning assets | 0.2371% | 6,859 |
| Net interest margin | 2.4582% | 6,855 |
| Noninterest income to average assets | 0.1803% | 6,225 |
| Noninterest expense to average assets | 1.7053% | 6,784 |
| Loan and lease loss provision to assets | 0.2991% | 2,202 |
| Net operating income to assets | 0.5315% | 4,701 |
| Return on assets (ROA) | 0.5104% | 5,068 |
| Pretax return on assets | 0.5757% | 5,244 |
| Return on Equity (ROE) | 3.5976% | 5,454 |
| Retained earnings to average equity (ytd only) | 1.6519% | 5,507 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4911% | 4,539 |
| Assets per employee ($millions) | 15.8425% | 76 |
| Cash dividends to net income (ytd only)* | 54.0841% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4460% | 221 |
| Loan loss allowance to noncurrent loans | 537.4732% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.3930% | 5,710 |
| Noncurrent loans to loans | 0.8272% | 4,763 |
| Net loans and leases to total assets | 45.4016% | 5,832 |
| Net loans and leases to deposits | 54.8985% | 5,725 |
| Net loans and leases to core deposits | 75.0499% | 3,845 |
| Total domestic deposits to total assets | 82.7009% | 4,752 |
| Equity capital to assets | 14.4153% | 996 |
| Core capital (leverage) ratio | 14.4599% | 716 |
| Tier 1 risk-based capital ratio | 23.2536% | 1,137 |
| Total risk-based capital ratio | 24.5348% | 1,106 |
| Memoranda: | ||
| Average total assets | $236,671,250 | 2,692 |
| Average earning assets | $233,337,000 | 2,495 |
| Average equity | $33,577,000 | 2,068 |
| Average total loans | $122,334,000 | 3,072 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7261% | 7,068 |
| Cost of funding earning assets | 0.2396% | 6,944 |
| Net interest margin | 2.4866% | 6,902 |
| Noninterest income to average assets | 0.2107% | 6,055 |
| Noninterest expense to average assets | 1.5917% | 6,936 |
| Loan and lease loss provision to assets | 0.4476% | 1,441 |
| Net operating income to assets | 0.5461% | 4,597 |
| Return on assets (ROA) | 0.5052% | 5,055 |
| Pretax return on assets | 0.5754% | 5,224 |
| Return on Equity (ROE) | 3.5801% | 5,450 |
| Retained earnings to average equity (ytd only) | 0.6417% | 5,805 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8092% | 5,607 |
| Assets per employee ($millions) | 13.9389% | 99 |
| Cash dividends to net income (ytd only)* | 82.0771% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1685% | 309 |
| Loan loss allowance to noncurrent loans | 537.2591% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.4188% | 5,737 |
| Noncurrent loans to loans | 0.7759% | 4,957 |
| Net loans and leases to total assets | 51.7261% | 5,133 |
| Net loans and leases to deposits | 63.0619% | 4,873 |
| Net loans and leases to core deposits | 88.8390% | 2,118 |
| Total domestic deposits to total assets | 82.0243% | 5,122 |
| Equity capital to assets | 15.0913% | 760 |
| Core capital (leverage) ratio | 14.6491% | 663 |
| Tier 1 risk-based capital ratio | 21.9391% | 1,307 |
| Total risk-based capital ratio | 23.2175% | 1,277 |
| Memoranda: | ||
| Average total assets | $236,349,330 | 2,699 |
| Average earning assets | $232,932,670 | 2,495 |
| Average equity | $33,350,670 | 2,072 |
| Average total loans | $125,475,000 | 3,018 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6011% | 7,156 |
| Cost of funding earning assets | 0.2404% | 7,033 |
| Net interest margin | 2.3607% | 7,037 |
| Noninterest income to average assets | 0.2881% | 5,570 |
| Noninterest expense to average assets | 1.5028% | 7,059 |
| Loan and lease loss provision to assets | 0.5251% | 1,146 |
| Net operating income to assets | 0.5119% | 4,773 |
| Return on assets (ROA) | 0.5119% | 4,988 |
| Pretax return on assets | 0.5876% | 5,154 |
| Return on Equity (ROE) | 3.7473% | 5,405 |
| Retained earnings to average equity (ytd only) | -2.1568% | 6,296 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4575% | 5,980 |
| Assets per employee ($millions) | 15.1694% | 88 |
| Cash dividends to net income (ytd only)* | 157.5563% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8404% | 420 |
| Loan loss allowance to noncurrent loans | 171.0423% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 1.1582% | 4,192 |
| Noncurrent loans to loans | 2.2453% | 2,868 |
| Net loans and leases to total assets | 49.6006% | 5,365 |
| Net loans and leases to deposits | 59.4393% | 5,222 |
| Net loans and leases to core deposits | 80.4402% | 3,020 |
| Total domestic deposits to total assets | 83.4474% | 4,732 |
| Equity capital to assets | 13.7011% | 1,144 |
| Core capital (leverage) ratio | 13.5109% | 947 |
| Tier 1 risk-based capital ratio | 21.7541% | 1,328 |
| Total risk-based capital ratio | 23.0305% | 1,297 |
| Memoranda: | ||
| Average total assets | $243,012,500 | 2,635 |
| Average earning assets | $239,589,000 | 2,453 |
| Average equity | $33,197,500 | 2,083 |
| Average total loans | $128,023,000 | 2,980 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0404% | 7,169 |
| Cost of funding earning assets | 0.2300% | 7,203 |
| Net interest margin | 2.8104% | 6,813 |
| Noninterest income to average assets | 0.1979% | 6,090 |
| Noninterest expense to average assets | 1.9737% | 6,720 |
| Loan and lease loss provision to assets | 0.0602% | 5,853 |
| Net operating income to assets | 0.8702% | 2,735 |
| Return on assets (ROA) | 0.8730% | 2,862 |
| Pretax return on assets | 0.9345% | 3,491 |
| Return on Equity (ROE) | 6.2382% | 3,758 |
| Retained earnings to average equity (ytd only) | 6.2382% | 1,884 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5596% | 4,642 |
| Assets per employee ($millions) | 15.2071% | 87 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4306% | 558 |
| Loan loss allowance to noncurrent loans | 480.6210% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.3839% | 6,016 |
| Noncurrent loans to loans | 0.7138% | 5,272 |
| Net loans and leases to total assets | 51.9341% | 5,319 |
| Net loans and leases to deposits | 62.1012% | 5,227 |
| Net loans and leases to core deposits | 82.4205% | 3,119 |
| Total domestic deposits to total assets | 83.6282% | 4,489 |
| Equity capital to assets | 13.6207% | 1,211 |
| Core capital (leverage) ratio | 14.2435% | 768 |
| Tier 1 risk-based capital ratio | 20.8654% | 1,443 |
| Total risk-based capital ratio | 22.1390% | 1,417 |
| Memoranda: | ||
| Average total assets | $230,932,400 | 2,714 |
| Average earning assets | $227,401,400 | 2,533 |
| Average equity | $32,317,200 | 2,063 |
| Average total loans | $133,422,000 | 2,933 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0596% | 7,246 |
| Cost of funding earning assets | 0.2217% | 7,304 |
| Net interest margin | 2.8379% | 6,841 |
| Noninterest income to average assets | 0.2657% | 5,718 |
| Noninterest expense to average assets | 1.9721% | 6,745 |
| Loan and lease loss provision to assets | 0.1071% | 5,100 |
| Net operating income to assets | 0.8995% | 2,740 |
| Return on assets (ROA) | 0.9006% | 2,880 |
| Pretax return on assets | 0.9814% | 3,467 |
| Return on Equity (ROE) | 6.3901% | 3,828 |
| Retained earnings to average equity (ytd only) | 6.3901% | 2,303 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4606% | 4,987 |
| Assets per employee ($millions) | 14.5662% | 100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3339% | 643 |
| Loan loss allowance to noncurrent loans | 485.3319% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.4008% | 6,077 |
| Noncurrent loans to loans | 0.6869% | 5,517 |
| Net loans and leases to total assets | 56.3943% | 4,780 |
| Net loans and leases to deposits | 67.9411% | 4,625 |
| Net loans and leases to core deposits | 92.8127% | 1,903 |
| Total domestic deposits to total assets | 83.0047% | 4,682 |
| Equity capital to assets | 14.0673% | 1,135 |
| Core capital (leverage) ratio | 14.2344% | 834 |
| Tier 1 risk-based capital ratio | 20.8689% | 1,481 |
| Total risk-based capital ratio | 22.1420% | 1,450 |
| Memoranda: | ||
| Average total assets | $227,837,000 | 2,753 |
| Average earning assets | $224,292,750 | 2,575 |
| Average equity | $32,111,250 | 2,066 |
| Average total loans | $134,064,500 | 2,941 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0589% | 7,323 |
| Cost of funding earning assets | 0.2085% | 7,405 |
| Net interest margin | 2.8503% | 6,862 |
| Noninterest income to average assets | 0.2963% | 5,515 |
| Noninterest expense to average assets | 2.0717% | 6,649 |
| Loan and lease loss provision to assets | 0.0513% | 5,671 |
| Net operating income to assets | 0.9087% | 2,605 |
| Return on assets (ROA) | 0.9120% | 2,691 |
| Pretax return on assets | 0.9819% | 3,303 |
| Return on Equity (ROE) | 6.4667% | 3,726 |
| Retained earnings to average equity (ytd only) | 6.4667% | 2,160 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7998% | 4,725 |
| Assets per employee ($millions) | 13.2469% | 123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1728% | 781 |
| Loan loss allowance to noncurrent loans | 471.9486% | 701 |
| Noncurrent assets plus other real estate owned to assets | 0.4147% | 6,111 |
| Noncurrent loans to loans | 0.6723% | 5,561 |
| Net loans and leases to total assets | 59.7357% | 4,323 |
| Net loans and leases to deposits | 72.4024% | 4,055 |
| Net loans and leases to core deposits | 94.3769% | 1,855 |
| Total domestic deposits to total assets | 82.5051% | 4,986 |
| Equity capital to assets | 14.4971% | 940 |
| Core capital (leverage) ratio | 14.2600% | 812 |
| Tier 1 risk-based capital ratio | 20.3822% | 1,538 |
| Total risk-based capital ratio | 21.6537% | 1,503 |
| Memoranda: | ||
| Average total assets | $226,096,330 | 2,790 |
| Average earning assets | $222,499,000 | 2,618 |
| Average equity | $31,886,670 | 2,074 |
| Average total loans | $133,431,000 | 2,974 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0159% | 7,392 |
| Cost of funding earning assets | 0.1902% | 7,483 |
| Net interest margin | 2.8257% | 6,871 |
| Noninterest income to average assets | 0.1430% | 6,696 |
| Noninterest expense to average assets | 2.7067% | 4,812 |
| Loan and lease loss provision to assets | -0.5509% | 7,540 |
| Net operating income to assets | 0.7016% | 3,513 |
| Return on assets (ROA) | 0.7080% | 3,554 |
| Pretax return on assets | 0.7751% | 3,987 |
| Return on Equity (ROE) | 5.0910% | 4,348 |
| Retained earnings to average equity (ytd only) | 5.0910% | 3,123 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5725% | 1,128 |
| Assets per employee ($millions) | 14.1304% | 108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0844% | 848 |
| Loan loss allowance to noncurrent loans | 432.3340% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.4131% | 6,174 |
| Noncurrent loans to loans | 0.7134% | 5,586 |
| Net loans and leases to total assets | 56.1198% | 4,975 |
| Net loans and leases to deposits | 67.5985% | 4,729 |
| Net loans and leases to core deposits | 85.9177% | 2,883 |
| Total domestic deposits to total assets | 83.0193% | 4,919 |
| Equity capital to assets | 14.0526% | 998 |
| Core capital (leverage) ratio | 14.1018% | 831 |
| Tier 1 risk-based capital ratio | 21.6255% | 1,298 |
| Total risk-based capital ratio | 22.8985% | 1,269 |
| Memoranda: | ||
| Average total assets | $226,546,000 | 2,801 |
| Average earning assets | $222,954,500 | 2,625 |
| Average equity | $31,506,500 | 2,079 |
| Average total loans | $130,681,000 | 3,054 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1706% | 7,469 |
| Cost of funding earning assets | 0.2109% | 7,547 |
| Net interest margin | 2.9598% | 6,807 |
| Noninterest income to average assets | 0.1057% | 6,868 |
| Noninterest expense to average assets | 1.8927% | 7,171 |
| Loan and lease loss provision to assets | 0.2904% | 4,472 |
| Net operating income to assets | 0.8130% | 2,742 |
| Return on assets (ROA) | 0.8373% | 2,785 |
| Pretax return on assets | 0.8578% | 3,448 |
| Return on Equity (ROE) | 6.2436% | 3,483 |
| Retained earnings to average equity (ytd only) | 6.2436% | 1,694 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7558% | 5,566 |
| Assets per employee ($millions) | 14.1879% | 107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3347% | 663 |
| Loan loss allowance to noncurrent loans | 465.7388% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.4114% | 6,241 |
| Noncurrent loans to loans | 0.7160% | 5,614 |
| Net loans and leases to total assets | 55.5470% | 5,412 |
| Net loans and leases to deposits | 66.4305% | 5,346 |
| Net loans and leases to core deposits | 84.1441% | 3,573 |
| Total domestic deposits to total assets | 83.6167% | 4,546 |
| Equity capital to assets | 13.7626% | 1,109 |
| Core capital (leverage) ratio | 13.6209% | 951 |
| Tier 1 risk-based capital ratio | 21.9346% | 1,187 |
| Total risk-based capital ratio | 23.2075% | 1,153 |
| Memoranda: | ||
| Average total assets | $225,237,600 | 2,811 |
| Average earning assets | $221,470,200 | 2,613 |
| Average equity | $30,207,000 | 2,158 |
| Average total loans | $126,553,800 | 3,189 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1768% | 7,599 |
| Cost of funding earning assets | 0.2148% | 7,669 |
| Net interest margin | 2.9620% | 6,909 |
| Noninterest income to average assets | 0.1868% | 6,548 |
| Noninterest expense to average assets | 1.9033% | 7,204 |
| Loan and lease loss provision to assets | 0.2841% | 4,308 |
| Net operating income to assets | 0.8342% | 2,865 |
| Return on assets (ROA) | 0.8648% | 2,895 |
| Pretax return on assets | 0.9448% | 3,389 |
| Return on Equity (ROE) | 6.4910% | 3,581 |
| Retained earnings to average equity (ytd only) | 6.4910% | 2,097 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4163% | 5,720 |
| Assets per employee ($millions) | 15.9167% | 86 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1868% | 705 |
| Loan loss allowance to noncurrent loans | 447.0021% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.3912% | 6,441 |
| Noncurrent loans to loans | 0.7129% | 5,786 |
| Net loans and leases to total assets | 53.1246% | 5,969 |
| Net loans and leases to deposits | 62.9982% | 6,023 |
| Net loans and leases to core deposits | 78.0485% | 4,797 |
| Total domestic deposits to total assets | 84.3271% | 3,946 |
| Equity capital to assets | 13.0082% | 1,570 |
| Core capital (leverage) ratio | 12.6706% | 1,352 |
| Tier 1 risk-based capital ratio | 21.6311% | 1,264 |
| Total risk-based capital ratio | 22.9028% | 1,244 |
| Memoranda: | ||
| Average total assets | $224,795,500 | 2,847 |
| Average earning assets | $221,013,250 | 2,656 |
| Average equity | $29,948,250 | 2,204 |
| Average total loans | $125,581,000 | 3,255 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2079% | 7,674 |
| Cost of funding earning assets | 0.2181% | 7,741 |
| Net interest margin | 2.9898% | 6,852 |
| Noninterest income to average assets | 0.0836% | 7,167 |
| Noninterest expense to average assets | 2.0150% | 7,082 |
| Loan and lease loss provision to assets | 0.2889% | 4,080 |
| Net operating income to assets | 0.6149% | 3,812 |
| Return on assets (ROA) | 0.6196% | 3,919 |
| Pretax return on assets | 0.7241% | 4,156 |
| Return on Equity (ROE) | 4.6114% | 4,485 |
| Retained earnings to average equity (ytd only) | 4.6114% | 3,138 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6667% | 4,850 |
| Assets per employee ($millions) | 15.6506% | 91 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2214% | 686 |
| Loan loss allowance to noncurrent loans | 426.5675% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.4008% | 6,439 |
| Noncurrent loans to loans | 0.7552% | 5,757 |
| Net loans and leases to total assets | 51.3676% | 6,277 |
| Net loans and leases to deposits | 60.6873% | 6,342 |
| Net loans and leases to core deposits | 74.6710% | 5,370 |
| Total domestic deposits to total assets | 84.6430% | 3,798 |
| Equity capital to assets | 12.7718% | 1,661 |
| Core capital (leverage) ratio | 11.6921% | 1,810 |
| Tier 1 risk-based capital ratio | 21.5123% | 1,269 |
| Total risk-based capital ratio | 22.7838% | 1,244 |
| Memoranda: | ||
| Average total assets | $220,144,000 | 2,936 |
| Average earning assets | $216,402,330 | 2,725 |
| Average equity | $29,578,670 | 2,218 |
| Average total loans | $123,771,330 | 3,326 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3048% | 7,754 |
| Cost of funding earning assets | 0.2161% | 7,850 |
| Net interest margin | 3.0887% | 6,623 |
| Noninterest income to average assets | -0.1955% | 7,804 |
| Noninterest expense to average assets | 2.1538% | 6,796 |
| Loan and lease loss provision to assets | 0.2180% | 4,319 |
| Net operating income to assets | 0.3358% | 5,137 |
| Return on assets (ROA) | 0.3439% | 5,234 |
| Pretax return on assets | 0.4792% | 5,032 |
| Return on Equity (ROE) | 2.4918% | 5,562 |
| Retained earnings to average equity (ytd only) | 2.4918% | 4,642 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8438% | 3,243 |
| Assets per employee ($millions) | 14.4821% | 110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1288% | 740 |
| Loan loss allowance to noncurrent loans | 395.4357% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.4438% | 6,355 |
| Noncurrent loans to loans | 0.7912% | 5,736 |
| Net loans and leases to total assets | 54.3316% | 5,985 |
| Net loans and leases to deposits | 64.9460% | 5,951 |
| Net loans and leases to core deposits | 81.7217% | 4,536 |
| Total domestic deposits to total assets | 83.6566% | 4,320 |
| Equity capital to assets | 13.6214% | 1,279 |
| Core capital (leverage) ratio | 12.2638% | 1,512 |
| Tier 1 risk-based capital ratio | 20.7522% | 1,381 |
| Total risk-based capital ratio | 22.0206% | 1,353 |
| Memoranda: | ||
| Average total assets | $212,836,500 | 3,071 |
| Average earning assets | $209,152,500 | 2,884 |
| Average equity | $29,376,500 | 2,253 |
| Average total loans | $123,355,000 | 3,394 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7388% | 7,774 |
| Cost of funding earning assets | 0.2580% | 7,922 |
| Net interest margin | 3.4808% | 5,036 |
| Noninterest income to average assets | 0.0023% | 7,687 |
| Noninterest expense to average assets | 1.7039% | 7,698 |
| Loan and lease loss provision to assets | 0.2749% | 5,214 |
| Net operating income to assets | 1.3496% | 944 |
| Return on assets (ROA) | 1.2576% | 1,173 |
| Pretax return on assets | 1.3523% | 1,551 |
| Return on Equity (ROE) | 10.1598% | 1,646 |
| Retained earnings to average equity (ytd only) | 10.1598% | 354 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6767% | 7,555 |
| Assets per employee ($millions) | 13.8961% | 124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9598% | 800 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 58.1346% | 5,644 |
| Net loans and leases to deposits | 69.7650% | 5,635 |
| Net loans and leases to core deposits | 81.0277% | 5,993 |
| Total domestic deposits to total assets | 83.3292% | 4,374 |
| Equity capital to assets | 13.9909% | 1,177 |
| Core capital (leverage) ratio | 11.9153% | 1,698 |
| Tier 1 risk-based capital ratio | 21.1361% | 1,269 |
| Total risk-based capital ratio | 22.4047% | 1,239 |
| Memoranda: | ||
| Average total assets | $216,443,000 | 2,994 |
| Average earning assets | $213,143,600 | 2,792 |
| Average equity | $26,791,800 | 2,465 |
| Average total loans | $128,779,600 | 3,291 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7995% | 7,867 |
| Cost of funding earning assets | 0.2602% | 8,013 |
| Net interest margin | 3.5393% | 4,703 |
| Noninterest income to average assets | 0.1501% | 7,110 |
| Noninterest expense to average assets | 1.8647% | 7,584 |
| Loan and lease loss provision to assets | 0.3034% | 4,545 |
| Net operating income to assets | 1.3245% | 1,169 |
| Return on assets (ROA) | 1.3245% | 1,235 |
| Pretax return on assets | 1.4691% | 1,496 |
| Return on Equity (ROE) | 11.0434% | 1,609 |
| Retained earnings to average equity (ytd only) | 11.0434% | 465 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2670% | 7,466 |
| Assets per employee ($millions) | 13.6619% | 126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6331% | 938 |
| 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 | 60.8662% | 5,447 |
| Net loans and leases to deposits | 72.0436% | 5,634 |
| Net loans and leases to core deposits | 99.6196% | 4,417 |
| Total domestic deposits to total assets | 84.4852% | 3,484 |
| Equity capital to assets | 12.7498% | 1,804 |
| Core capital (leverage) ratio | 12.1735% | 1,718 |
| Tier 1 risk-based capital ratio | 19.9793% | 1,563 |
| Total risk-based capital ratio | 21.2452% | 1,510 |
| Memoranda: | ||
| Average total assets | $218,443,250 | 2,983 |
| Average earning assets | $215,214,250 | 2,783 |
| Average equity | $26,199,000 | 2,542 |
| Average total loans | $129,756,250 | 3,305 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8930% | 7,942 |
| Cost of funding earning assets | 0.2660% | 8,111 |
| Net interest margin | 3.6270% | 4,258 |
| Noninterest income to average assets | 0.1539% | 7,168 |
| Noninterest expense to average assets | 2.0202% | 7,430 |
| Loan and lease loss provision to assets | 0.2079% | 4,965 |
| Net operating income to assets | 1.3764% | 1,077 |
| Return on assets (ROA) | 1.3764% | 1,143 |
| Pretax return on assets | 1.4973% | 1,450 |
| Return on Equity (ROE) | 11.7230% | 1,504 |
| Retained earnings to average equity (ytd only) | 11.7230% | 482 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2281% | 7,307 |
| Assets per employee ($millions) | 13.0112% | 135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5714% | 845 |
| 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 | 60.5710% | 5,591 |
| Net loans and leases to deposits | 71.9114% | 5,746 |
| Net loans and leases to core deposits | 102.8860% | 4,194 |
| Total domestic deposits to total assets | 84.2299% | 3,631 |
| Equity capital to assets | 12.8803% | 1,749 |
| Core capital (leverage) ratio | 11.7500% | 1,953 |
| Tier 1 risk-based capital ratio | 20.0092% | 1,582 |
| Total risk-based capital ratio | 21.2743% | 1,539 |
| Memoranda: | ||
| Average total assets | $218,394,000 | 3,000 |
| Average earning assets | $215,053,000 | 2,810 |
| Average equity | $25,642,000 | 2,590 |
| Average total loans | $127,459,670 | 3,391 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8549% | 8,024 |
| Cost of funding earning assets | 0.2673% | 8,165 |
| Net interest margin | 3.5876% | 4,369 |
| Noninterest income to average assets | 0.1360% | 7,325 |
| Noninterest expense to average assets | 1.7253% | 7,794 |
| Loan and lease loss provision to assets | 0.0251% | 6,600 |
| Net operating income to assets | 1.8255% | 506 |
| Return on assets (ROA) | 1.8255% | 561 |
| Pretax return on assets | 1.9168% | 769 |
| Return on Equity (ROE) | 16.2835% | 781 |
| Retained earnings to average equity (ytd only) | 16.2835% | 318 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0473% | 7,790 |
| Assets per employee ($millions) | 13.7351% | 127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4813% | 782 |
| 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 | 52.4311% | 6,637 |
| Net loans and leases to deposits | 60.6960% | 6,832 |
| Net loans and leases to core deposits | 79.9557% | 6,387 |
| Total domestic deposits to total assets | 86.3831% | 2,505 |
| Equity capital to assets | 10.7663% | 3,217 |
| Core capital (leverage) ratio | 11.9696% | 1,915 |
| Tier 1 risk-based capital ratio | 20.4138% | 1,542 |
| Total risk-based capital ratio | 21.6774% | 1,510 |
| Memoranda: | ||
| Average total assets | $223,501,500 | 2,950 |
| Average earning assets | $219,979,500 | 2,762 |
| Average equity | $25,056,000 | 2,645 |
| Average total loans | $126,477,500 | 3,438 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9660% | 7,855 |
| Cost of funding earning assets | 1.4291% | 7,710 |
| Net interest margin | 3.5369% | 5,162 |
| Noninterest income to average assets | 0.1325% | 7,445 |
| Noninterest expense to average assets | 1.5548% | 8,003 |
| Loan and lease loss provision to assets | 0.3410% | 3,662 |
| Net operating income to assets | 1.5794% | 866 |
| Return on assets (ROA) | 1.2351% | 1,613 |
| Pretax return on assets | 1.3338% | 2,191 |
| Return on Equity (ROE) | 10.8812% | 1,943 |
| Retained earnings to average equity (ytd only) | 10.8812% | 336 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1918% | 8,035 |
| Assets per employee ($millions) | 12.5592% | 146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4338% | 735 |
| 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% | 7,569 |
| Net loans and leases to total assets | 58.2251% | 6,172 |
| Net loans and leases to deposits | 68.2688% | 6,434 |
| Net loans and leases to core deposits | 102.6922% | 4,530 |
| Total domestic deposits to total assets | 85.2880% | 2,710 |
| Equity capital to assets | 11.6966% | 2,506 |
| Core capital (leverage) ratio | 12.6120% | 1,703 |
| Tier 1 risk-based capital ratio | 19.7288% | 1,661 |
| Total risk-based capital ratio | 20.9928% | 1,618 |
| Memoranda: | ||
| Average total assets | $215,851,600 | 2,930 |
| Average earning assets | $211,598,800 | 2,753 |
| Average equity | $24,501,000 | 2,690 |
| Average total loans | $119,541,400 | 3,471 |