Home > First State Bank > Performance and Condition Ratios
First State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5965% | 2,900 |
| Cost of funding earning assets | 1.6123% | 1,661 |
| Net interest margin | 2.9842% | 3,319 |
| Noninterest income to average assets | 0.5900% | 1,571 |
| Noninterest expense to average assets | 1.8394% | 3,935 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.5794% | 893 |
| Return on assets (ROA) | 1.5794% | 863 |
| Pretax return on assets | 1.5794% | 1,275 |
| Return on Equity (ROE) | 19.5600% | 653 |
| Retained earnings to average equity (ytd only) | 9.0039% | 1,256 |
| 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 | 53.8036% | 3,690 |
| Assets per employee ($millions) | 9.1029% | 951 |
| Cash dividends to net income (ytd only)* | 53.9575% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6511% | 4,185 |
| 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 | 44.1800% | 3,892 |
| Net loans and leases to deposits | 48.4416% | 3,983 |
| Net loans and leases to core deposits | 53.9317% | 3,975 |
| Total domestic deposits to total assets | 91.2100% | 448 |
| Equity capital to assets | 8.4580% | 3,084 |
| Core capital (leverage) ratio | 11.0526% | 1,925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $327,981,800 | 2,277 |
| Average earning assets | $310,365,200 | 2,245 |
| Average equity | $26,488,600 | 2,433 |
| Average total loans | $158,416,000 | 2,611 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4724% | 2,963 |
| Cost of funding earning assets | 1.5381% | 1,512 |
| Net interest margin | 2.9343% | 3,467 |
| Noninterest income to average assets | 0.5600% | 1,683 |
| Noninterest expense to average assets | 1.8624% | 3,864 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.4768% | 1,169 |
| Return on assets (ROA) | 1.4768% | 1,153 |
| Pretax return on assets | 1.4768% | 1,614 |
| Return on Equity (ROE) | 18.5300% | 872 |
| Retained earnings to average equity (ytd only) | 3.9680% | 3,269 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 55.7738% | 3,416 |
| Assets per employee ($millions) | 8.6968% | 1,046 |
| Cash dividends to net income (ytd only)* | 78.5835% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6384% | 4,217 |
| 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 | 48.3700% | 3,719 |
| Net loans and leases to deposits | 52.7340% | 3,852 |
| Net loans and leases to core deposits | 56.4021% | 3,838 |
| Total domestic deposits to total assets | 91.7200% | 511 |
| Equity capital to assets | 7.9188% | 3,108 |
| Core capital (leverage) ratio | 11.2527% | 1,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $321,224,250 | 2,314 |
| Average earning assets | $304,436,000 | 2,275 |
| Average equity | $25,604,000 | 2,474 |
| Average total loans | $158,549,250 | 2,618 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3283% | 3,043 |
| Cost of funding earning assets | 1.4758% | 1,289 |
| Net interest margin | 2.8525% | 3,727 |
| Noninterest income to average assets | 0.5500% | 1,674 |
| Noninterest expense to average assets | 1.8457% | 3,917 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4032% | 1,320 |
| Return on assets (ROA) | 1.4032% | 1,302 |
| Pretax return on assets | 1.4032% | 1,806 |
| Return on Equity (ROE) | 17.5600% | 1,006 |
| Retained earnings to average equity (ytd only) | -1.6053% | 4,265 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 56.8111% | 3,319 |
| Assets per employee ($millions) | 8.5715% | 1,063 |
| Cash dividends to net income (ytd only)* | 109.1398% | 244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6353% | 4,259 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 50.6500% | 3,513 |
| Net loans and leases to deposits | 56.1655% | 3,637 |
| Net loans and leases to core deposits | 59.8376% | 3,640 |
| Total domestic deposits to total assets | 90.1800% | 871 |
| Equity capital to assets | 7.9840% | 3,227 |
| Core capital (leverage) ratio | 11.1597% | 1,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $318,139,333 | 2,334 |
| Average earning assets | $300,722,000 | 2,307 |
| Average equity | $25,415,333 | 2,501 |
| Average total loans | $157,775,667 | 2,620 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1086% | 3,243 |
| Cost of funding earning assets | 1.3956% | 1,033 |
| Net interest margin | 2.7131% | 4,056 |
| Noninterest income to average assets | 0.5400% | 1,672 |
| Noninterest expense to average assets | 1.8190% | 3,994 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2980% | 1,678 |
| Return on assets (ROA) | 1.2980% | 1,648 |
| Pretax return on assets | 1.2980% | 2,182 |
| Return on Equity (ROE) | 16.2400% | 1,308 |
| Retained earnings to average equity (ytd only) | -19.8881% | 4,592 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.3568% | 3,151 |
| Assets per employee ($millions) | 8.2055% | 1,246 |
| Cash dividends to net income (ytd only)* | 222.4371% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6620% | 4,289 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 48.1500% | 3,619 |
| Net loans and leases to deposits | 52.3701% | 3,774 |
| Net loans and leases to core deposits | 55.9819% | 3,744 |
| Total domestic deposits to total assets | 91.9500% | 529 |
| Equity capital to assets | 7.8490% | 3,348 |
| Core capital (leverage) ratio | 10.9331% | 1,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $318,636,500 | 2,366 |
| Average earning assets | $302,387,500 | 2,331 |
| Average equity | $25,462,500 | 2,521 |
| Average total loans | $155,830,000 | 2,655 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3291% | 3,515 |
| Cost of funding earning assets | 0.4015% | 2,084 |
| Net interest margin | 2.9276% | 3,615 |
| Noninterest income to average assets | 0.6400% | 1,496 |
| Noninterest expense to average assets | 1.8050% | 4,027 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.6143% | 667 |
| Return on assets (ROA) | 1.6143% | 639 |
| Pretax return on assets | 1.6143% | 1,136 |
| Return on Equity (ROE) | 18.3900% | 647 |
| Retained earnings to average equity (ytd only) | 8.1297% | 1,784 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 52.7885% | 3,908 |
| Assets per employee ($millions) | 8.5745% | 1,062 |
| Cash dividends to net income (ytd only)* | 55.7872% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6561% | 4,275 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 49.0200% | 3,585 |
| Net loans and leases to deposits | 53.5837% | 3,700 |
| Net loans and leases to core deposits | 57.6935% | 3,634 |
| Total domestic deposits to total assets | 91.4800% | 785 |
| Equity capital to assets | 8.1344% | 2,973 |
| Core capital (leverage) ratio | 11.4485% | 1,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $312,026,200 | 2,396 |
| Average earning assets | $296,113,400 | 2,358 |
| Average equity | $27,393,400 | 2,456 |
| Average total loans | $152,889,800 | 2,609 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1418% | 3,575 |
| Cost of funding earning assets | 0.2239% | 3,002 |
| Net interest margin | 2.9179% | 3,438 |
| Noninterest income to average assets | 0.5800% | 1,791 |
| Noninterest expense to average assets | 1.8070% | 3,974 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5465% | 749 |
| Return on assets (ROA) | 1.5465% | 735 |
| Pretax return on assets | 1.5465% | 1,283 |
| Return on Equity (ROE) | 17.2900% | 745 |
| Retained earnings to average equity (ytd only) | 3.8094% | 3,507 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 53.8836% | 3,830 |
| Assets per employee ($millions) | 8.2986% | 1,174 |
| Cash dividends to net income (ytd only)* | 77.9689% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6885% | 4,272 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 48.2400% | 3,602 |
| Net loans and leases to deposits | 52.4358% | 3,704 |
| Net loans and leases to core deposits | 56.0634% | 3,623 |
| Total domestic deposits to total assets | 92.0000% | 874 |
| Equity capital to assets | 7.7812% | 3,032 |
| Core capital (leverage) ratio | 11.1016% | 1,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $310,718,250 | 2,414 |
| Average earning assets | $295,368,000 | 2,380 |
| Average equity | $27,790,000 | 2,473 |
| Average total loans | $151,978,750 | 2,618 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9575% | 3,656 |
| Cost of funding earning assets | 0.1260% | 3,896 |
| Net interest margin | 2.8314% | 3,345 |
| Noninterest income to average assets | 0.5668% | 1,879 |
| Noninterest expense to average assets | 1.7862% | 3,996 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4740% | 755 |
| Return on assets (ROA) | 1.4740% | 733 |
| Pretax return on assets | 1.4740% | 1,241 |
| Return on Equity (ROE) | 15.8065% | 736 |
| Retained earnings to average equity (ytd only) | -0.9213% | 4,288 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7886% | 3,884 |
| Assets per employee ($millions) | 8.0057% | 1,301 |
| Cash dividends to net income (ytd only)* | 105.8286% | 326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6857% | 4,355 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 47.6427% | 3,577 |
| Net loans and leases to deposits | 54.2792% | 3,521 |
| Net loans and leases to core deposits | 57.8962% | 3,428 |
| Total domestic deposits to total assets | 87.7734% | 2,668 |
| Equity capital to assets | 7.9950% | 3,130 |
| Core capital (leverage) ratio | 10.6883% | 1,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $311,941,333 | 2,428 |
| Average earning assets | $296,739,667 | 2,402 |
| Average equity | $29,089,333 | 2,454 |
| Average total loans | $152,920,000 | 2,613 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8650% | 3,618 |
| Cost of funding earning assets | 0.1106% | 4,003 |
| Net interest margin | 2.7544% | 3,268 |
| Noninterest income to average assets | 0.5516% | 1,892 |
| Noninterest expense to average assets | 1.7344% | 4,083 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4381% | 729 |
| Return on assets (ROA) | 1.4381% | 726 |
| Pretax return on assets | 1.4381% | 1,153 |
| Return on Equity (ROE) | 14.3935% | 758 |
| Retained earnings to average equity (ytd only) | -11.1835% | 4,582 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6704% | 4,010 |
| Assets per employee ($millions) | 7.9935% | 1,369 |
| Cash dividends to net income (ytd only)* | 177.6985% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7058% | 4,375 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 46.3469% | 3,547 |
| Net loans and leases to deposits | 51.0965% | 3,640 |
| Net loans and leases to core deposits | 54.6381% | 3,551 |
| Total domestic deposits to total assets | 90.7046% | 1,176 |
| Equity capital to assets | 9.1292% | 2,600 |
| Core capital (leverage) ratio | 10.2667% | 2,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $311,801,000 | 2,439 |
| Average earning assets | $296,687,000 | 2,409 |
| Average equity | $31,153,000 | 2,426 |
| Average total loans | $154,491,000 | 2,593 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1789% | 3,519 |
| Cost of funding earning assets | 0.1397% | 4,069 |
| Net interest margin | 3.0393% | 3,076 |
| Noninterest income to average assets | 0.6149% | 2,095 |
| Noninterest expense to average assets | 1.8803% | 3,969 |
| Loan and lease loss provision to assets | 0.0834% | 1,475 |
| Net operating income to assets | 1.5333% | 945 |
| Return on assets (ROA) | 1.5523% | 936 |
| Pretax return on assets | 1.5523% | 1,562 |
| Return on Equity (ROE) | 13.9573% | 1,203 |
| Retained earnings to average equity (ytd only) | 5.9423% | 2,388 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7684% | 3,956 |
| Assets per employee ($millions) | 7.7964% | 1,439 |
| Cash dividends to net income (ytd only)* | 57.4253% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6282% | 4,520 |
| Loan loss allowance to noncurrent loans | 264.0103% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 0.1247% | 3,063 |
| Noncurrent loans to loans | 0.2380% | 2,782 |
| Net loans and leases to total assets | 52.0893% | 3,055 |
| Net loans and leases to deposits | 58.5032% | 3,204 |
| Net loans and leases to core deposits | 62.7014% | 3,098 |
| Total domestic deposits to total assets | 89.0366% | 1,495 |
| Equity capital to assets | 10.8531% | 1,901 |
| Core capital (leverage) ratio | 10.8829% | 1,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $299,746,200 | 2,435 |
| Average earning assets | $284,247,200 | 2,406 |
| Average equity | $33,337,400 | 2,368 |
| Average total loans | $146,868,200 | 2,658 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1890% | 3,625 |
| Cost of funding earning assets | 0.1483% | 4,122 |
| Net interest margin | 3.0407% | 3,204 |
| Noninterest income to average assets | 0.6125% | 2,163 |
| Noninterest expense to average assets | 1.8900% | 3,970 |
| Loan and lease loss provision to assets | 0.1122% | 1,075 |
| Net operating income to assets | 1.4941% | 1,286 |
| Return on assets (ROA) | 1.5174% | 1,279 |
| Pretax return on assets | 1.5174% | 1,950 |
| Return on Equity (ROE) | 13.5577% | 1,535 |
| Retained earnings to average equity (ytd only) | 2.8304% | 3,955 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0547% | 3,808 |
| Assets per employee ($millions) | 7.5155% | 1,560 |
| Cash dividends to net income (ytd only)* | 79.1235% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6740% | 4,543 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 49.1145% | 3,513 |
| Net loans and leases to deposits | 55.2893% | 3,637 |
| Net loans and leases to core deposits | 59.9895% | 3,467 |
| Total domestic deposits to total assets | 88.8318% | 1,382 |
| Equity capital to assets | 10.9436% | 2,061 |
| Core capital (leverage) ratio | 10.6745% | 1,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $296,719,000 | 2,472 |
| Average earning assets | $281,417,500 | 2,444 |
| Average equity | $33,210,250 | 2,407 |
| Average total loans | $142,717,750 | 2,740 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1475% | 3,773 |
| Cost of funding earning assets | 0.1585% | 4,134 |
| Net interest margin | 2.9890% | 3,352 |
| Noninterest income to average assets | 0.6166% | 2,143 |
| Noninterest expense to average assets | 1.8968% | 3,974 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5527% | 1,163 |
| Return on assets (ROA) | 1.5909% | 1,123 |
| Pretax return on assets | 1.5909% | 1,761 |
| Return on Equity (ROE) | 14.1041% | 1,383 |
| Retained earnings to average equity (ytd only) | 0.7809% | 4,381 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9881% | 3,680 |
| Assets per employee ($millions) | 7.1568% | 1,687 |
| Cash dividends to net income (ytd only)* | 94.4635% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5583% | 4,695 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 47.1610% | 3,812 |
| Net loans and leases to deposits | 53.2951% | 3,903 |
| Net loans and leases to core deposits | 58.7568% | 3,705 |
| Total domestic deposits to total assets | 88.4902% | 1,568 |
| Equity capital to assets | 11.2116% | 1,825 |
| Core capital (leverage) ratio | 10.6519% | 1,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $292,913,667 | 2,484 |
| Average earning assets | $277,621,333 | 2,462 |
| Average equity | $33,040,000 | 2,404 |
| Average total loans | $139,501,667 | 2,785 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9319% | 4,211 |
| Cost of funding earning assets | 0.1759% | 4,113 |
| Net interest margin | 2.7560% | 3,856 |
| Noninterest income to average assets | 0.5727% | 2,317 |
| Noninterest expense to average assets | 1.8848% | 4,021 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2998% | 1,827 |
| Return on assets (ROA) | 1.3764% | 1,703 |
| Pretax return on assets | 1.3764% | 2,346 |
| Return on Equity (ROE) | 12.1651% | 1,964 |
| Retained earnings to average equity (ytd only) | -10.3168% | 4,819 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1845% | 3,128 |
| Assets per employee ($millions) | 7.4058% | 1,515 |
| Cash dividends to net income (ytd only)* | 184.8064% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5461% | 4,740 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 47.7713% | 3,839 |
| Net loans and leases to deposits | 53.7628% | 3,956 |
| Net loans and leases to core deposits | 59.3711% | 3,750 |
| Total domestic deposits to total assets | 88.8557% | 1,413 |
| Equity capital to assets | 10.8709% | 1,955 |
| Core capital (leverage) ratio | 10.3370% | 2,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $292,656,000 | 2,468 |
| Average earning assets | $277,359,000 | 2,451 |
| Average equity | $33,111,000 | 2,391 |
| Average total loans | $139,672,000 | 2,785 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6323% | 3,734 |
| Cost of funding earning assets | 0.3896% | 3,650 |
| Net interest margin | 3.2427% | 3,236 |
| Noninterest income to average assets | 0.6098% | 2,185 |
| Noninterest expense to average assets | 2.0820% | 3,973 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.5684% | 684 |
| Return on assets (ROA) | 1.5684% | 745 |
| Pretax return on assets | 1.5684% | 1,138 |
| Return on Equity (ROE) | 12.8206% | 1,086 |
| Retained earnings to average equity (ytd only) | 5.1007% | 2,234 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0349% | 3,856 |
| Assets per employee ($millions) | 7.2270% | 1,430 |
| Cash dividends to net income (ytd only)* | 60.2151% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5669% | 4,741 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 47.1413% | 4,042 |
| Net loans and leases to deposits | 53.5453% | 4,132 |
| Net loans and leases to core deposits | 59.8040% | 3,957 |
| Total domestic deposits to total assets | 88.0400% | 1,455 |
| Equity capital to assets | 11.7680% | 1,693 |
| Core capital (leverage) ratio | 11.0352% | 1,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $260,906,800 | 2,511 |
| Average earning assets | $244,640,400 | 2,495 |
| Average equity | $31,917,400 | 2,394 |
| Average total loans | $137,492,800 | 2,777 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7421% | 3,699 |
| Cost of funding earning assets | 0.4470% | 3,542 |
| Net interest margin | 3.2951% | 3,208 |
| Noninterest income to average assets | 0.6297% | 2,066 |
| Noninterest expense to average assets | 2.1103% | 3,918 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.6050% | 718 |
| Return on assets (ROA) | 1.6050% | 787 |
| Pretax return on assets | 1.6050% | 1,171 |
| Return on Equity (ROE) | 12.9796% | 1,117 |
| Retained earnings to average equity (ytd only) | 2.5144% | 3,733 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7995% | 3,820 |
| Assets per employee ($millions) | 6.7368% | 1,656 |
| Cash dividends to net income (ytd only)* | 80.6283% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5533% | 4,775 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 51.8236% | 3,979 |
| Net loans and leases to deposits | 59.3639% | 4,101 |
| Net loans and leases to core deposits | 65.4899% | 3,924 |
| Total domestic deposits to total assets | 87.2981% | 1,544 |
| Equity capital to assets | 12.2944% | 1,519 |
| Core capital (leverage) ratio | 11.5878% | 1,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $253,863,500 | 2,541 |
| Average earning assets | $237,718,500 | 2,525 |
| Average equity | $31,392,000 | 2,405 |
| Average total loans | $137,602,750 | 2,778 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8348% | 3,773 |
| Cost of funding earning assets | 0.5027% | 3,516 |
| Net interest margin | 3.3321% | 3,300 |
| Noninterest income to average assets | 0.6113% | 2,090 |
| Noninterest expense to average assets | 2.1459% | 3,937 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.5789% | 791 |
| Return on assets (ROA) | 1.5789% | 865 |
| Pretax return on assets | 1.5789% | 1,272 |
| Return on Equity (ROE) | 12.7415% | 1,164 |
| Retained earnings to average equity (ytd only) | -1.5124% | 4,540 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6117% | 3,741 |
| Assets per employee ($millions) | 6.3640% | 1,888 |
| Cash dividends to net income (ytd only)* | 111.8696% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5555% | 4,790 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 53.3136% | 3,935 |
| Net loans and leases to deposits | 61.0709% | 4,062 |
| Net loans and leases to core deposits | 68.7782% | 3,808 |
| Total domestic deposits to total assets | 87.2978% | 1,497 |
| Equity capital to assets | 12.3392% | 1,460 |
| Core capital (leverage) ratio | 11.4540% | 1,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $248,660,667 | 2,551 |
| Average earning assets | $232,348,333 | 2,537 |
| Average equity | $30,812,667 | 2,423 |
| Average total loans | $136,661,333 | 2,786 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9935% | 3,801 |
| Cost of funding earning assets | 0.5844% | 3,513 |
| Net interest margin | 3.4091% | 3,269 |
| Noninterest income to average assets | 0.6482% | 1,835 |
| Noninterest expense to average assets | 2.2100% | 3,981 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.6130% | 611 |
| Return on assets (ROA) | 1.6130% | 673 |
| Pretax return on assets | 1.6130% | 1,019 |
| Return on Equity (ROE) | 12.9876% | 887 |
| Retained earnings to average equity (ytd only) | -11.9916% | 4,830 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8085% | 4,028 |
| Assets per employee ($millions) | 5.8753% | 1,780 |
| Cash dividends to net income (ytd only)* | 192.3313% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5858% | 4,776 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 54.7379% | 3,931 |
| Net loans and leases to deposits | 63.6864% | 3,999 |
| Net loans and leases to core deposits | 71.2032% | 3,804 |
| Total domestic deposits to total assets | 85.9491% | 2,020 |
| Equity capital to assets | 12.2310% | 1,896 |
| Core capital (leverage) ratio | 12.0497% | 1,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $242,529,000 | 2,534 |
| Average earning assets | $225,868,500 | 2,527 |
| Average equity | $30,121,000 | 2,445 |
| Average total loans | $135,049,500 | 2,773 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2854% | 3,575 |
| Cost of funding earning assets | 0.7269% | 3,031 |
| Net interest margin | 3.5585% | 3,257 |
| Noninterest income to average assets | 0.6175% | 2,149 |
| Noninterest expense to average assets | 2.2386% | 4,085 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.7038% | 649 |
| Return on assets (ROA) | 1.7038% | 696 |
| Pretax return on assets | 1.7038% | 1,177 |
| Return on Equity (ROE) | 14.4416% | 806 |
| Retained earnings to average equity (ytd only) | 5.2196% | 2,301 |
| Net charge-offs to loans | 0.0014% | 3,667 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 2,082.0000% | 30 |
| Efficiency ratio | 56.7826% | 4,112 |
| Assets per employee ($millions) | 5.8136% | 1,783 |
| Cash dividends to net income (ytd only)* | 63.8569% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5652% | 4,797 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 55.9807% | 3,924 |
| Net loans and leases to deposits | 64.2624% | 4,061 |
| Net loans and leases to core deposits | 71.8080% | 3,866 |
| Total domestic deposits to total assets | 87.1127% | 1,552 |
| Equity capital to assets | 12.6056% | 1,768 |
| Core capital (leverage) ratio | 12.2212% | 1,642 |
| Tier 1 risk-based capital ratio | 16.1238% | 2,363 |
| Total risk-based capital ratio | 16.5451% | 2,585 |
| Memoranda: | ||
| Average total assets | $244,389,200 | 2,497 |
| Average earning assets | $228,354,600 | 2,476 |
| Average equity | $28,833,400 | 2,456 |
| Average total loans | $138,922,200 | 2,738 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3019% | 3,648 |
| Cost of funding earning assets | 0.7512% | 2,964 |
| Net interest margin | 3.5507% | 3,403 |
| Noninterest income to average assets | 0.6174% | 2,116 |
| Noninterest expense to average assets | 2.2418% | 4,086 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6991% | 747 |
| Return on assets (ROA) | 1.6991% | 784 |
| Pretax return on assets | 1.6991% | 1,335 |
| Return on Equity (ROE) | 14.6514% | 860 |
| Retained earnings to average equity (ytd only) | 2.1448% | 4,225 |
| Net charge-offs to loans | 0.0048% | 3,224 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 622.6732% | 159 |
| Efficiency ratio | 56.8858% | 4,078 |
| Assets per employee ($millions) | 5.9569% | 1,634 |
| Cash dividends to net income (ytd only)* | 85.3610% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5353% | 4,922 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 57.4836% | 3,922 |
| Net loans and leases to deposits | 67.9992% | 3,918 |
| Net loans and leases to core deposits | 74.0729% | 3,823 |
| Total domestic deposits to total assets | 84.5356% | 2,611 |
| Equity capital to assets | 11.8547% | 2,372 |
| Core capital (leverage) ratio | 11.7070% | 2,073 |
| Tier 1 risk-based capital ratio | 14.6231% | 3,017 |
| Total risk-based capital ratio | 15.0176% | 3,347 |
| Memoranda: | ||
| Average total assets | $244,444,000 | 2,515 |
| Average earning assets | $228,791,750 | 2,498 |
| Average equity | $28,347,000 | 2,495 |
| Average total loans | $139,286,500 | 2,762 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2541% | 3,778 |
| Cost of funding earning assets | 0.7323% | 2,983 |
| Net interest margin | 3.5218% | 3,526 |
| Noninterest income to average assets | 0.6028% | 2,137 |
| Noninterest expense to average assets | 2.2406% | 4,149 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6658% | 778 |
| Return on assets (ROA) | 1.6658% | 813 |
| Pretax return on assets | 1.6658% | 1,348 |
| Return on Equity (ROE) | 14.4753% | 877 |
| Retained earnings to average equity (ytd only) | -0.8026% | 4,804 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3570% | 4,086 |
| Assets per employee ($millions) | 5.8393% | 1,663 |
| Cash dividends to net income (ytd only)* | 105.5446% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5627% | 4,936 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 56.1290% | 4,072 |
| Net loans and leases to deposits | 67.6364% | 3,991 |
| Net loans and leases to core deposits | 74.7182% | 3,845 |
| Total domestic deposits to total assets | 82.9864% | 3,209 |
| Equity capital to assets | 11.7949% | 2,349 |
| Core capital (leverage) ratio | 11.8027% | 1,945 |
| Tier 1 risk-based capital ratio | 15.6285% | 2,574 |
| Total risk-based capital ratio | 16.0615% | 2,840 |
| Memoranda: | ||
| Average total assets | $242,529,330 | 2,539 |
| Average earning assets | $227,496,670 | 2,524 |
| Average equity | $27,909,670 | 2,517 |
| Average total loans | $137,518,330 | 2,792 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2743% | 3,633 |
| Cost of funding earning assets | 0.7168% | 2,963 |
| Net interest margin | 3.5575% | 3,406 |
| Noninterest income to average assets | 0.5855% | 2,117 |
| Noninterest expense to average assets | 2.2441% | 4,160 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6669% | 783 |
| Return on assets (ROA) | 1.6669% | 813 |
| Pretax return on assets | 1.6669% | 1,292 |
| Return on Equity (ROE) | 14.6710% | 824 |
| Retained earnings to average equity (ytd only) | -11.2113% | 5,141 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3791% | 4,158 |
| Assets per employee ($millions) | 5.7936% | 1,707 |
| Cash dividends to net income (ytd only)* | 176.4179% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5710% | 4,985 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 57.1077% | 3,980 |
| Net loans and leases to deposits | 64.8242% | 4,134 |
| Net loans and leases to core deposits | 72.0489% | 3,942 |
| Total domestic deposits to total assets | 88.0963% | 1,283 |
| Equity capital to assets | 11.5038% | 2,394 |
| Core capital (leverage) ratio | 11.3130% | 2,276 |
| Tier 1 risk-based capital ratio | 16.4525% | 2,286 |
| Total risk-based capital ratio | 16.9192% | 2,504 |
| Memoranda: | ||
| Average total assets | $241,168,500 | 2,574 |
| Average earning assets | $225,440,000 | 2,553 |
| Average equity | $27,401,000 | 2,550 |
| Average total loans | $137,059,500 | 2,827 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0186% | 3,971 |
| Cost of funding earning assets | 0.4864% | 3,437 |
| Net interest margin | 3.5322% | 3,595 |
| Noninterest income to average assets | 0.7210% | 1,768 |
| Noninterest expense to average assets | 2.3025% | 4,116 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.7186% | 662 |
| Return on assets (ROA) | 1.7186% | 656 |
| Pretax return on assets | 1.7186% | 1,117 |
| Return on Equity (ROE) | 15.4535% | 731 |
| Retained earnings to average equity (ytd only) | 6.7727% | 1,768 |
| Net charge-offs to loans | 0.0023% | 3,660 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 1,336.3333% | 82 |
| Efficiency ratio | 57.2601% | 4,256 |
| Assets per employee ($millions) | 5.8285% | 1,644 |
| Cash dividends to net income (ytd only)* | 56.1736% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5658% | 5,025 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 55.9269% | 4,139 |
| Net loans and leases to deposits | 64.7432% | 4,209 |
| Net loans and leases to core deposits | 71.9920% | 3,988 |
| Total domestic deposits to total assets | 86.3827% | 2,058 |
| Equity capital to assets | 11.2239% | 2,495 |
| Core capital (leverage) ratio | 11.9778% | 1,746 |
| Tier 1 risk-based capital ratio | 16.3861% | 2,277 |
| Total risk-based capital ratio | 16.8383% | 2,504 |
| Memoranda: | ||
| Average total assets | $233,272,200 | 2,595 |
| Average earning assets | $217,935,200 | 2,579 |
| Average equity | $25,942,400 | 2,570 |
| Average total loans | $130,738,400 | 2,870 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9475% | 4,087 |
| Cost of funding earning assets | 0.4134% | 3,768 |
| Net interest margin | 3.5341% | 3,578 |
| Noninterest income to average assets | 0.7737% | 1,564 |
| Noninterest expense to average assets | 2.3368% | 4,002 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.7466% | 670 |
| Return on assets (ROA) | 1.7466% | 675 |
| Pretax return on assets | 1.7466% | 1,157 |
| Return on Equity (ROE) | 15.7436% | 740 |
| Retained earnings to average equity (ytd only) | 3.9959% | 3,774 |
| Net charge-offs to loans | 0.0031% | 3,363 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 1,005.9750% | 82 |
| Efficiency ratio | 57.2279% | 4,219 |
| Assets per employee ($millions) | 5.7115% | 1,724 |
| Cash dividends to net income (ytd only)* | 74.6189% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5743% | 5,078 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 57.5941% | 4,082 |
| Net loans and leases to deposits | 68.3350% | 4,039 |
| Net loans and leases to core deposits | 76.1093% | 3,795 |
| Total domestic deposits to total assets | 84.2819% | 2,858 |
| Equity capital to assets | 11.0710% | 2,601 |
| Core capital (leverage) ratio | 12.0721% | 1,744 |
| Tier 1 risk-based capital ratio | 15.3041% | 2,738 |
| Total risk-based capital ratio | 15.7418% | 3,047 |
| Memoranda: | ||
| Average total assets | $230,390,750 | 2,622 |
| Average earning assets | $215,757,750 | 2,605 |
| Average equity | $25,559,000 | 2,613 |
| Average total loans | $129,001,250 | 2,909 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8915% | 4,095 |
| Cost of funding earning assets | 0.3835% | 3,843 |
| Net interest margin | 3.5079% | 3,604 |
| Noninterest income to average assets | 0.7105% | 1,831 |
| Noninterest expense to average assets | 2.3646% | 3,985 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.6270% | 856 |
| Return on assets (ROA) | 1.6270% | 860 |
| Pretax return on assets | 1.6270% | 1,412 |
| Return on Equity (ROE) | 14.6558% | 927 |
| Retained earnings to average equity (ytd only) | -1.0536% | 5,074 |
| Net charge-offs to loans | 0.0047% | 3,004 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 621.3333% | 137 |
| Efficiency ratio | 59.2390% | 4,048 |
| Assets per employee ($millions) | 5.2318% | 2,163 |
| Cash dividends to net income (ytd only)* | 107.1888% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6152% | 5,075 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 55.9406% | 4,169 |
| Net loans and leases to deposits | 63.2256% | 4,336 |
| Net loans and leases to core deposits | 71.2205% | 4,067 |
| Total domestic deposits to total assets | 88.4779% | 1,153 |
| Equity capital to assets | 11.2176% | 2,439 |
| Core capital (leverage) ratio | 11.8074% | 1,833 |
| Tier 1 risk-based capital ratio | 15.9445% | 2,458 |
| Total risk-based capital ratio | 16.4161% | 2,714 |
| Memoranda: | ||
| Average total assets | $229,131,000 | 2,645 |
| Average earning assets | $214,314,000 | 2,631 |
| Average equity | $25,437,000 | 2,637 |
| Average total loans | $126,786,000 | 2,954 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8781% | 3,990 |
| Cost of funding earning assets | 0.3363% | 4,090 |
| Net interest margin | 3.5418% | 3,378 |
| Noninterest income to average assets | 0.7266% | 1,716 |
| Noninterest expense to average assets | 2.3165% | 4,154 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.7075% | 679 |
| Return on assets (ROA) | 1.7075% | 689 |
| Pretax return on assets | 1.7075% | 1,098 |
| Return on Equity (ROE) | 15.4596% | 717 |
| Retained earnings to average equity (ytd only) | -9.7269% | 5,366 |
| Net charge-offs to loans | 0.0063% | 2,508 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 493.5000% | 125 |
| Efficiency ratio | 57.5666% | 4,405 |
| Assets per employee ($millions) | 5.3964% | 2,039 |
| Cash dividends to net income (ytd only)* | 162.9179% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6328% | 5,130 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 54.0389% | 4,276 |
| Net loans and leases to deposits | 60.8677% | 4,413 |
| Net loans and leases to core deposits | 69.5546% | 4,107 |
| Total domestic deposits to total assets | 88.7808% | 1,217 |
| Equity capital to assets | 10.9716% | 2,615 |
| Core capital (leverage) ratio | 11.1986% | 2,248 |
| Tier 1 risk-based capital ratio | 15.1672% | 2,796 |
| Total risk-based capital ratio | 15.6248% | 3,099 |
| Memoranda: | ||
| Average total assets | $231,213,000 | 2,655 |
| Average earning assets | $215,257,500 | 2,642 |
| Average equity | $25,537,500 | 2,651 |
| Average total loans | $126,865,500 | 2,978 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6188% | 4,535 |
| Cost of funding earning assets | 0.2699% | 4,394 |
| Net interest margin | 3.3490% | 4,013 |
| Noninterest income to average assets | 0.6442% | 2,233 |
| Noninterest expense to average assets | 2.2552% | 4,430 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.5310% | 750 |
| Return on assets (ROA) | 1.5327% | 760 |
| Pretax return on assets | 1.5327% | 1,514 |
| Return on Equity (ROE) | 14.3126% | 715 |
| Retained earnings to average equity (ytd only) | 6.9060% | 1,114 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5639% | 4,324 |
| Assets per employee ($millions) | 5.6138% | 1,831 |
| Cash dividends to net income (ytd only)* | 51.7490% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5994% | 5,248 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 55.0056% | 4,270 |
| Net loans and leases to deposits | 65.1409% | 4,249 |
| Net loans and leases to core deposits | 70.2609% | 4,159 |
| Total domestic deposits to total assets | 84.4409% | 3,058 |
| Equity capital to assets | 11.1155% | 2,522 |
| Core capital (leverage) ratio | 11.1618% | 2,184 |
| Tier 1 risk-based capital ratio | 15.2217% | 2,732 |
| Total risk-based capital ratio | 15.6713% | 3,042 |
| Memoranda: | ||
| Average total assets | $235,007,600 | 2,605 |
| Average earning assets | $220,486,600 | 2,576 |
| Average equity | $25,166,600 | 2,666 |
| Average total loans | $123,348,000 | 3,008 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5237% | 4,761 |
| Cost of funding earning assets | 0.2358% | 4,693 |
| Net interest margin | 3.2879% | 4,206 |
| Noninterest income to average assets | 0.6377% | 2,265 |
| Noninterest expense to average assets | 2.2417% | 4,441 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.4916% | 914 |
| Return on assets (ROA) | 1.4939% | 929 |
| Pretax return on assets | 1.4939% | 1,788 |
| Return on Equity (ROE) | 14.0845% | 815 |
| Retained earnings to average equity (ytd only) | 4.1060% | 3,471 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0456% | 4,206 |
| Assets per employee ($millions) | 5.7065% | 1,710 |
| Cash dividends to net income (ytd only)* | 70.8476% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5874% | 5,348 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 55.2169% | 4,300 |
| Net loans and leases to deposits | 72.4543% | 3,724 |
| Net loans and leases to core deposits | 76.8681% | 3,737 |
| Total domestic deposits to total assets | 76.2093% | 4,998 |
| Equity capital to assets | 10.8064% | 3,056 |
| Core capital (leverage) ratio | 10.8318% | 2,612 |
| Tier 1 risk-based capital ratio | 14.2510% | 3,327 |
| Total risk-based capital ratio | 14.6880% | 3,658 |
| Memoranda: | ||
| Average total assets | $234,815,000 | 2,627 |
| Average earning assets | $221,089,000 | 2,596 |
| Average equity | $24,906,250 | 2,700 |
| Average total loans | $121,566,750 | 3,056 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4442% | 4,895 |
| Cost of funding earning assets | 0.2114% | 4,880 |
| Net interest margin | 3.2328% | 4,319 |
| Noninterest income to average assets | 0.6252% | 2,347 |
| Noninterest expense to average assets | 2.2548% | 4,452 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4125% | 1,036 |
| Return on assets (ROA) | 1.4125% | 1,060 |
| Pretax return on assets | 1.4125% | 1,964 |
| Return on Equity (ROE) | 13.4039% | 947 |
| Retained earnings to average equity (ytd only) | 0.4313% | 4,989 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4827% | 4,085 |
| Assets per employee ($millions) | 5.5596% | 1,821 |
| Cash dividends to net income (ytd only)* | 96.7820% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6402% | 5,322 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 51.9723% | 4,571 |
| Net loans and leases to deposits | 64.9779% | 4,304 |
| Net loans and leases to core deposits | 69.4105% | 4,263 |
| Total domestic deposits to total assets | 79.9846% | 4,411 |
| Equity capital to assets | 10.8105% | 3,022 |
| Core capital (leverage) ratio | 10.8391% | 2,562 |
| Tier 1 risk-based capital ratio | 14.3824% | 3,228 |
| Total risk-based capital ratio | 14.8361% | 3,565 |
| Memoranda: | ||
| Average total assets | $233,195,670 | 2,648 |
| Average earning assets | $219,440,670 | 2,617 |
| Average equity | $24,575,000 | 2,731 |
| Average total loans | $117,715,000 | 3,123 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3276% | 5,060 |
| Cost of funding earning assets | 0.1953% | 5,017 |
| Net interest margin | 3.1323% | 4,554 |
| Noninterest income to average assets | 0.6008% | 2,413 |
| Noninterest expense to average assets | 2.2382% | 4,559 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3079% | 1,215 |
| Return on assets (ROA) | 1.3079% | 1,250 |
| Pretax return on assets | 1.3079% | 2,207 |
| Return on Equity (ROE) | 12.5737% | 1,095 |
| Retained earnings to average equity (ytd only) | -8.4485% | 5,542 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1171% | 3,969 |
| Assets per employee ($millions) | 5.2608% | 2,124 |
| Cash dividends to net income (ytd only)* | 167.1916% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7166% | 5,270 |
| Loan loss allowance to noncurrent loans | 39.5349% | 4,866 |
| Noncurrent assets plus other real estate owned to assets | 0.8744% | 2,115 |
| Noncurrent loans to loans | 1.8125% | 1,035 |
| Net loans and leases to total assets | 47.8960% | 4,833 |
| Net loans and leases to deposits | 56.4551% | 4,790 |
| Net loans and leases to core deposits | 60.1713% | 4,765 |
| Total domestic deposits to total assets | 84.8392% | 3,147 |
| Equity capital to assets | 10.6686% | 2,992 |
| Core capital (leverage) ratio | 10.4472% | 2,961 |
| Tier 1 risk-based capital ratio | 17.2201% | 2,114 |
| Total risk-based capital ratio | 17.7760% | 2,298 |
| Memoranda: | ||
| Average total assets | $233,041,000 | 2,682 |
| Average earning assets | $219,134,500 | 2,647 |
| Average equity | $24,241,000 | 2,771 |
| Average total loans | $115,502,500 | 3,177 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3863% | 5,009 |
| Cost of funding earning assets | 0.1963% | 5,050 |
| Net interest margin | 3.1900% | 4,474 |
| Noninterest income to average assets | 0.6237% | 2,536 |
| Noninterest expense to average assets | 2.2197% | 4,729 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.4022% | 1,006 |
| Return on assets (ROA) | 1.4043% | 1,020 |
| Pretax return on assets | 1.4043% | 1,926 |
| Return on Equity (ROE) | 13.5001% | 879 |
| Retained earnings to average equity (ytd only) | 5.9345% | 1,746 |
| Net charge-offs to loans | 0.0215% | 3,621 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 127.4615% | 479 |
| Efficiency ratio | 61.2850% | 4,376 |
| Assets per employee ($millions) | 5.4515% | 1,899 |
| Cash dividends to net income (ytd only)* | 56.0410% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6416% | 5,464 |
| Loan loss allowance to noncurrent loans | 55.2260% | 4,570 |
| Noncurrent assets plus other real estate owned to assets | 0.5903% | 2,963 |
| Noncurrent loans to loans | 1.1618% | 1,766 |
| Net loans and leases to total assets | 50.4834% | 4,729 |
| Net loans and leases to deposits | 60.5538% | 4,637 |
| Net loans and leases to core deposits | 63.0446% | 4,688 |
| Total domestic deposits to total assets | 83.3695% | 3,641 |
| Equity capital to assets | 10.1506% | 3,549 |
| Core capital (leverage) ratio | 10.6160% | 2,760 |
| Tier 1 risk-based capital ratio | 15.5615% | 2,720 |
| Total risk-based capital ratio | 16.0535% | 2,996 |
| Memoranda: | ||
| Average total assets | $236,339,000 | 2,610 |
| Average earning assets | $222,128,600 | 2,573 |
| Average equity | $24,585,000 | 2,752 |
| Average total loans | $121,175,800 | 3,051 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4261% | 4,966 |
| Cost of funding earning assets | 0.1939% | 5,131 |
| Net interest margin | 3.2322% | 4,395 |
| Noninterest income to average assets | 0.6076% | 2,625 |
| Noninterest expense to average assets | 2.1880% | 4,802 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.4587% | 956 |
| Return on assets (ROA) | 1.4615% | 1,000 |
| Pretax return on assets | 1.4615% | 1,848 |
| Return on Equity (ROE) | 13.9637% | 834 |
| Retained earnings to average equity (ytd only) | 3.9007% | 3,529 |
| Net charge-offs to loans | 0.0011% | 3,912 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 2,582.3910% | 21 |
| Efficiency ratio | 60.0000% | 4,542 |
| Assets per employee ($millions) | 5.3855% | 1,970 |
| Cash dividends to net income (ytd only)* | 72.0651% | 968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6699% | 5,490 |
| Loan loss allowance to noncurrent loans | 50.7547% | 4,716 |
| Noncurrent assets plus other real estate owned to assets | 0.6710% | 2,898 |
| Noncurrent loans to loans | 1.3199% | 1,681 |
| Net loans and leases to total assets | 50.4971% | 4,787 |
| Net loans and leases to deposits | 63.4764% | 4,528 |
| Net loans and leases to core deposits | 66.2038% | 4,593 |
| Total domestic deposits to total assets | 79.5527% | 4,603 |
| Equity capital to assets | 10.6934% | 3,358 |
| Core capital (leverage) ratio | 10.0353% | 3,528 |
| Tier 1 risk-based capital ratio | 14.2903% | 3,404 |
| Total risk-based capital ratio | 14.7709% | 3,756 |
| Memoranda: | ||
| Average total assets | $235,457,000 | 2,628 |
| Average earning assets | $221,389,750 | 2,594 |
| Average equity | $24,644,250 | 2,771 |
| Average total loans | $121,001,000 | 3,054 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4318% | 5,018 |
| Cost of funding earning assets | 0.1875% | 5,256 |
| Net interest margin | 3.2442% | 4,398 |
| Noninterest income to average assets | 0.5967% | 2,637 |
| Noninterest expense to average assets | 2.1817% | 4,887 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.4633% | 951 |
| Return on assets (ROA) | 1.4675% | 995 |
| Pretax return on assets | 1.4675% | 1,783 |
| Return on Equity (ROE) | 14.1238% | 811 |
| Retained earnings to average equity (ytd only) | 0.9585% | 5,010 |
| Net charge-offs to loans | 0.0017% | 3,651 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 1,719.0000% | 26 |
| Efficiency ratio | 59.8552% | 4,662 |
| Assets per employee ($millions) | 5.7345% | 1,598 |
| Cash dividends to net income (ytd only)* | 93.2135% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6620% | 5,587 |
| Loan loss allowance to noncurrent loans | 42.4067% | 4,999 |
| Noncurrent assets plus other real estate owned to assets | 0.7901% | 2,618 |
| Noncurrent loans to loans | 1.5611% | 1,382 |
| Net loans and leases to total assets | 50.2792% | 4,825 |
| Net loans and leases to deposits | 61.9521% | 4,655 |
| Net loans and leases to core deposits | 65.6746% | 4,633 |
| Total domestic deposits to total assets | 81.1582% | 4,227 |
| Equity capital to assets | 10.3302% | 3,815 |
| Core capital (leverage) ratio | 9.8716% | 3,720 |
| Tier 1 risk-based capital ratio | 13.7138% | 3,762 |
| Total risk-based capital ratio | 14.1869% | 4,152 |
| Memoranda: | ||
| Average total assets | $234,956,000 | 2,640 |
| Average earning assets | $220,762,000 | 2,605 |
| Average equity | $24,412,670 | 2,799 |
| Average total loans | $121,179,670 | 3,056 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4734% | 4,952 |
| Cost of funding earning assets | 0.1803% | 5,373 |
| Net interest margin | 3.2932% | 4,246 |
| Noninterest income to average assets | 0.5931% | 2,573 |
| Noninterest expense to average assets | 2.1982% | 4,909 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4810% | 888 |
| Return on assets (ROA) | 1.4810% | 932 |
| Pretax return on assets | 1.4810% | 1,655 |
| Return on Equity (ROE) | 14.2107% | 801 |
| Retained earnings to average equity (ytd only) | -6.7993% | 5,710 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7470% | 4,781 |
| Assets per employee ($millions) | 5.2968% | 2,034 |
| Cash dividends to net income (ytd only)* | 147.8463% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6996% | 5,594 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 49.2056% | 4,873 |
| Net loans and leases to deposits | 57.8492% | 4,864 |
| Net loans and leases to core deposits | 61.6143% | 4,832 |
| Total domestic deposits to total assets | 85.0584% | 3,111 |
| Equity capital to assets | 10.3518% | 3,684 |
| Core capital (leverage) ratio | 9.8763% | 3,688 |
| Tier 1 risk-based capital ratio | 14.6561% | 3,308 |
| Total risk-based capital ratio | 15.1740% | 3,671 |
| Memoranda: | ||
| Average total assets | $232,010,500 | 2,671 |
| Average earning assets | $217,421,000 | 2,649 |
| Average equity | $24,179,000 | 2,818 |
| Average total loans | $120,818,000 | 3,072 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4969% | 4,927 |
| Cost of funding earning assets | 0.1812% | 5,445 |
| Net interest margin | 3.3157% | 4,226 |
| Noninterest income to average assets | 0.5784% | 2,841 |
| Noninterest expense to average assets | 2.2278% | 4,985 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.4552% | 939 |
| Return on assets (ROA) | 1.4547% | 969 |
| Pretax return on assets | 1.4547% | 1,698 |
| Return on Equity (ROE) | 14.2839% | 808 |
| Retained earnings to average equity (ytd only) | 7.0815% | 1,246 |
| Net charge-offs to loans | -0.0008% | 4,832 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4893% | 4,844 |
| Assets per employee ($millions) | 5.3712% | 1,930 |
| Cash dividends to net income (ytd only)* | 50.4230% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6405% | 5,740 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 54.2696% | 4,479 |
| Net loans and leases to deposits | 63.7585% | 4,485 |
| Net loans and leases to core deposits | 68.0872% | 4,446 |
| Total domestic deposits to total assets | 85.1173% | 3,033 |
| Equity capital to assets | 10.4919% | 3,374 |
| Core capital (leverage) ratio | 10.2130% | 3,251 |
| Tier 1 risk-based capital ratio | 14.0911% | 3,661 |
| Total risk-based capital ratio | 14.5803% | 4,036 |
| Memoranda: | ||
| Average total assets | $227,533,800 | 2,683 |
| Average earning assets | $213,044,800 | 2,650 |
| Average equity | $23,173,000 | 2,864 |
| Average total loans | $121,006,400 | 3,037 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4673% | 5,056 |
| Cost of funding earning assets | 0.1820% | 5,531 |
| Net interest margin | 3.2853% | 4,416 |
| Noninterest income to average assets | 0.5794% | 2,856 |
| Noninterest expense to average assets | 2.2263% | 4,973 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.4323% | 1,043 |
| Return on assets (ROA) | 1.4317% | 1,094 |
| Pretax return on assets | 1.4317% | 1,899 |
| Return on Equity (ROE) | 14.1663% | 870 |
| Retained earnings to average equity (ytd only) | 4.4524% | 3,293 |
| Net charge-offs to loans | -0.0011% | 4,668 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8521% | 4,764 |
| Assets per employee ($millions) | 5.1433% | 2,120 |
| Cash dividends to net income (ytd only)* | 68.5704% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6521% | 5,817 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 54.3941% | 4,524 |
| Net loans and leases to deposits | 67.4550% | 4,244 |
| Net loans and leases to core deposits | 71.1533% | 4,263 |
| Total domestic deposits to total assets | 80.6375% | 4,568 |
| Equity capital to assets | 10.4223% | 3,683 |
| Core capital (leverage) ratio | 9.9559% | 3,703 |
| Tier 1 risk-based capital ratio | 13.5231% | 4,129 |
| Total risk-based capital ratio | 14.0109% | 4,483 |
| Memoranda: | ||
| Average total assets | $226,677,250 | 2,714 |
| Average earning assets | $212,453,500 | 2,673 |
| Average equity | $22,908,250 | 2,908 |
| Average total loans | $119,720,750 | 3,077 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4371% | 5,142 |
| Cost of funding earning assets | 0.1816% | 5,601 |
| Net interest margin | 3.2555% | 4,474 |
| Noninterest income to average assets | 0.5661% | 2,938 |
| Noninterest expense to average assets | 2.2125% | 5,077 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.4039% | 1,086 |
| Return on assets (ROA) | 1.4039% | 1,120 |
| Pretax return on assets | 1.4039% | 1,966 |
| Return on Equity (ROE) | 14.0374% | 896 |
| Retained earnings to average equity (ytd only) | -0.6789% | 5,640 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1802% | 4,801 |
| Assets per employee ($millions) | 5.2452% | 1,992 |
| Cash dividends to net income (ytd only)* | 104.8367% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6558% | 5,889 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 52.9666% | 4,666 |
| Net loans and leases to deposits | 66.7870% | 4,254 |
| Net loans and leases to core deposits | 69.5254% | 4,366 |
| Total domestic deposits to total assets | 79.3066% | 5,023 |
| Equity capital to assets | 9.7669% | 4,320 |
| Core capital (leverage) ratio | 9.5630% | 4,190 |
| Tier 1 risk-based capital ratio | 15.0608% | 3,324 |
| Total risk-based capital ratio | 15.6246% | 3,636 |
| Memoranda: | ||
| Average total assets | $226,801,670 | 2,727 |
| Average earning assets | $212,502,000 | 2,686 |
| Average equity | $22,682,330 | 2,940 |
| Average total loans | $118,326,330 | 3,118 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4895% | 5,004 |
| Cost of funding earning assets | 0.1863% | 5,635 |
| Net interest margin | 3.3033% | 4,202 |
| Noninterest income to average assets | 0.5872% | 2,722 |
| Noninterest expense to average assets | 2.1245% | 5,330 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.5551% | 770 |
| Return on assets (ROA) | 1.5551% | 811 |
| Pretax return on assets | 1.5551% | 1,374 |
| Return on Equity (ROE) | 15.3650% | 656 |
| Retained earnings to average equity (ytd only) | -7.5419% | 6,058 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7369% | 5,367 |
| Assets per employee ($millions) | 5.2137% | 2,091 |
| Cash dividends to net income (ytd only)* | 149.0847% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6878% | 5,926 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 51.9789% | 4,666 |
| Net loans and leases to deposits | 60.5622% | 4,699 |
| Net loans and leases to core deposits | 62.7660% | 4,797 |
| Total domestic deposits to total assets | 85.8273% | 3,027 |
| Equity capital to assets | 10.0397% | 4,106 |
| Core capital (leverage) ratio | 9.4913% | 4,289 |
| Tier 1 risk-based capital ratio | 15.1023% | 3,379 |
| Total risk-based capital ratio | 15.6770% | 3,686 |
| Memoranda: | ||
| Average total assets | $224,808,000 | 2,768 |
| Average earning assets | $210,458,500 | 2,726 |
| Average equity | $22,753,000 | 2,951 |
| Average total loans | $115,965,500 | 3,162 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3642% | 5,595 |
| Cost of funding earning assets | 0.1982% | 5,760 |
| Net interest margin | 3.1660% | 5,030 |
| Noninterest income to average assets | 0.5491% | 3,181 |
| Noninterest expense to average assets | 2.1523% | 5,452 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.3624% | 1,154 |
| Return on assets (ROA) | 1.3718% | 1,179 |
| Pretax return on assets | 1.3718% | 1,994 |
| Return on Equity (ROE) | 14.1154% | 914 |
| Retained earnings to average equity (ytd only) | 6.1206% | 1,848 |
| Net charge-offs to loans | 0.0009% | 4,960 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 3,067.0000% | 7 |
| Efficiency ratio | 61.2361% | 5,033 |
| Assets per employee ($millions) | 5.2424% | 2,023 |
| Cash dividends to net income (ytd only)* | 56.6386% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7042% | 5,986 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 50.4758% | 4,922 |
| Net loans and leases to deposits | 60.3096% | 4,878 |
| Net loans and leases to core deposits | 63.0231% | 4,916 |
| Total domestic deposits to total assets | 83.6944% | 3,843 |
| Equity capital to assets | 10.2021% | 3,850 |
| Core capital (leverage) ratio | 9.8318% | 3,796 |
| Tier 1 risk-based capital ratio | 16.6518% | 2,655 |
| Total risk-based capital ratio | 17.2729% | 2,896 |
| Memoranda: | ||
| Average total assets | $225,111,200 | 2,735 |
| Average earning assets | $210,865,000 | 2,699 |
| Average equity | $21,876,800 | 2,962 |
| Average total loans | $108,411,400 | 3,254 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3332% | 5,701 |
| Cost of funding earning assets | 0.1980% | 5,848 |
| Net interest margin | 3.1351% | 5,162 |
| Noninterest income to average assets | 0.5451% | 3,230 |
| Noninterest expense to average assets | 2.1584% | 5,435 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3319% | 1,287 |
| Return on assets (ROA) | 1.3444% | 1,314 |
| Pretax return on assets | 1.3444% | 2,219 |
| Return on Equity (ROE) | 14.0081% | 981 |
| Retained earnings to average equity (ytd only) | 3.2103% | 4,347 |
| Net charge-offs to loans | 0.0012% | 4,669 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 2,253.5789% | 21 |
| Efficiency ratio | 61.8401% | 4,910 |
| Assets per employee ($millions) | 5.2706% | 1,934 |
| Cash dividends to net income (ytd only)* | 77.0823% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7041% | 6,096 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 50.2191% | 4,983 |
| Net loans and leases to deposits | 63.5742% | 4,589 |
| Net loans and leases to core deposits | 66.9728% | 4,609 |
| Total domestic deposits to total assets | 78.9928% | 5,331 |
| Equity capital to assets | 9.7557% | 4,477 |
| Core capital (leverage) ratio | 9.1911% | 4,801 |
| Tier 1 risk-based capital ratio | 16.2877% | 2,907 |
| Total risk-based capital ratio | 16.9191% | 3,170 |
| Memoranda: | ||
| Average total assets | $225,032,750 | 2,758 |
| Average earning assets | $211,405,000 | 2,714 |
| Average equity | $21,596,500 | 2,994 |
| Average total loans | $106,866,250 | 3,306 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2899% | 5,809 |
| Cost of funding earning assets | 0.1986% | 5,929 |
| Net interest margin | 3.0913% | 5,277 |
| Noninterest income to average assets | 0.5399% | 3,207 |
| Noninterest expense to average assets | 2.1399% | 5,541 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2989% | 1,315 |
| Return on assets (ROA) | 1.2989% | 1,361 |
| Pretax return on assets | 1.2989% | 2,253 |
| Return on Equity (ROE) | 13.6101% | 1,027 |
| Retained earnings to average equity (ytd only) | -0.4854% | 5,768 |
| Net charge-offs to loans | 0.0019% | 4,329 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1,458.0000% | 31 |
| Efficiency ratio | 62.2280% | 4,976 |
| Assets per employee ($millions) | 5.2301% | 1,937 |
| Cash dividends to net income (ytd only)* | 103.5665% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7703% | 6,049 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 46.2260% | 5,343 |
| Net loans and leases to deposits | 56.4889% | 5,155 |
| Net loans and leases to core deposits | 60.1659% | 5,126 |
| Total domestic deposits to total assets | 81.8320% | 4,704 |
| Equity capital to assets | 9.6325% | 4,580 |
| Core capital (leverage) ratio | 9.1589% | 4,809 |
| Tier 1 risk-based capital ratio | 16.9646% | 2,633 |
| Total risk-based capital ratio | 17.6408% | 2,840 |
| Memoranda: | ||
| Average total assets | $224,498,000 | 2,777 |
| Average earning assets | $210,525,670 | 2,733 |
| Average equity | $21,425,330 | 3,005 |
| Average total loans | $104,281,000 | 3,370 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3091% | 5,822 |
| Cost of funding earning assets | 0.1976% | 6,023 |
| Net interest margin | 3.1116% | 5,211 |
| Noninterest income to average assets | 0.5279% | 3,210 |
| Noninterest expense to average assets | 2.0437% | 5,795 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4053% | 979 |
| Return on assets (ROA) | 1.4053% | 1,022 |
| Pretax return on assets | 1.4053% | 1,724 |
| Return on Equity (ROE) | 14.7936% | 813 |
| Retained earnings to average equity (ytd only) | -8.2228% | 6,296 |
| Net charge-offs to loans | 0.0038% | 3,597 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 788.0000% | 33 |
| Efficiency ratio | 59.2554% | 5,504 |
| Assets per employee ($millions) | 4.6321% | 2,755 |
| Cash dividends to net income (ytd only)* | 155.5838% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8096% | 6,078 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 45.4145% | 5,391 |
| Net loans and leases to deposits | 52.8637% | 5,391 |
| Net loans and leases to core deposits | 56.5847% | 5,314 |
| Total domestic deposits to total assets | 85.9086% | 3,409 |
| Equity capital to assets | 9.6708% | 4,269 |
| Core capital (leverage) ratio | 8.9503% | 5,086 |
| Tier 1 risk-based capital ratio | 17.6987% | 2,409 |
| Total risk-based capital ratio | 18.4179% | 2,568 |
| Memoranda: | ||
| Average total assets | $224,299,500 | 2,783 |
| Average earning assets | $210,569,000 | 2,746 |
| Average equity | $21,306,500 | 3,017 |
| Average total loans | $104,038,000 | 3,391 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1800% | 6,158 |
| Cost of funding earning assets | 0.2426% | 6,015 |
| Net interest margin | 2.9374% | 5,715 |
| Noninterest income to average assets | 0.5609% | 3,324 |
| Noninterest expense to average assets | 2.1861% | 5,664 |
| Loan and lease loss provision to assets | 0.0460% | 4,200 |
| Net operating income to assets | 1.0845% | 1,986 |
| Return on assets (ROA) | 1.1098% | 1,974 |
| Pretax return on assets | 1.1098% | 2,917 |
| Return on Equity (ROE) | 11.5677% | 1,565 |
| Retained earnings to average equity (ytd only) | 3.4837% | 3,748 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9135% | 4,578 |
| Assets per employee ($millions) | 5.0194% | 2,162 |
| Cash dividends to net income (ytd only)* | 69.8840% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7454% | 6,281 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 46.5977% | 5,439 |
| Net loans and leases to deposits | 56.0943% | 5,293 |
| Net loans and leases to core deposits | 59.0042% | 5,307 |
| Total domestic deposits to total assets | 83.0704% | 4,526 |
| Equity capital to assets | 9.3373% | 4,643 |
| Core capital (leverage) ratio | 9.2691% | 4,605 |
| Tier 1 risk-based capital ratio | 16.3774% | 2,915 |
| Total risk-based capital ratio | 17.0293% | 3,169 |
| Memoranda: | ||
| Average total assets | $217,514,600 | 2,832 |
| Average earning assets | $204,056,000 | 2,786 |
| Average equity | $20,868,400 | 3,064 |
| Average total loans | $103,114,200 | 3,378 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1717% | 6,239 |
| Cost of funding earning assets | 0.2568% | 6,039 |
| Net interest margin | 2.9149% | 5,777 |
| Noninterest income to average assets | 0.5989% | 3,153 |
| Noninterest expense to average assets | 2.2125% | 5,576 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1212% | 1,926 |
| Return on assets (ROA) | 1.1274% | 1,963 |
| Pretax return on assets | 1.1274% | 2,991 |
| Return on Equity (ROE) | 11.6672% | 1,590 |
| Retained earnings to average equity (ytd only) | 0.7989% | 5,660 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3679% | 4,417 |
| Assets per employee ($millions) | 4.6186% | 2,688 |
| Cash dividends to net income (ytd only)* | 93.1529% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6619% | 6,483 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 48.9497% | 5,251 |
| Net loans and leases to deposits | 58.7285% | 5,108 |
| Net loans and leases to core deposits | 61.2357% | 5,190 |
| Total domestic deposits to total assets | 83.3491% | 4,443 |
| Equity capital to assets | 9.6469% | 4,360 |
| Core capital (leverage) ratio | 9.3519% | 4,612 |
| Tier 1 risk-based capital ratio | 16.1876% | 3,085 |
| Total risk-based capital ratio | 16.7695% | 3,421 |
| Memoranda: | ||
| Average total assets | $214,170,500 | 2,898 |
| Average earning assets | $200,938,500 | 2,841 |
| Average equity | $20,695,750 | 3,112 |
| Average total loans | $101,793,250 | 3,432 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1194% | 6,320 |
| Cost of funding earning assets | 0.2760% | 6,013 |
| Net interest margin | 2.8434% | 5,917 |
| Noninterest income to average assets | 0.6032% | 3,170 |
| Noninterest expense to average assets | 2.2307% | 5,552 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0394% | 2,154 |
| Return on assets (ROA) | 1.0488% | 2,240 |
| Pretax return on assets | 1.0488% | 3,297 |
| Return on Equity (ROE) | 10.8470% | 1,862 |
| Retained earnings to average equity (ytd only) | -3.5801% | 6,363 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2157% | 4,145 |
| Assets per employee ($millions) | 4.4132% | 2,956 |
| Cash dividends to net income (ytd only)* | 133.0054% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6875% | 6,514 |
| Loan loss allowance to noncurrent loans | 874.0741% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.0382% | 6,393 |
| Noncurrent loans to loans | 0.0787% | 6,160 |
| Net loans and leases to total assets | 48.2810% | 5,304 |
| Net loans and leases to deposits | 54.9180% | 5,443 |
| Net loans and leases to core deposits | 57.4817% | 5,466 |
| Total domestic deposits to total assets | 87.9147% | 2,306 |
| Equity capital to assets | 9.4951% | 4,588 |
| Core capital (leverage) ratio | 9.1005% | 4,824 |
| Tier 1 risk-based capital ratio | 16.3382% | 3,016 |
| Total risk-based capital ratio | 16.9406% | 3,318 |
| Memoranda: | ||
| Average total assets | $213,202,000 | 2,925 |
| Average earning assets | $199,972,670 | 2,874 |
| Average equity | $20,614,000 | 3,141 |
| Average total loans | $100,069,000 | 3,490 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0699% | 6,431 |
| Cost of funding earning assets | 0.2930% | 6,023 |
| Net interest margin | 2.7768% | 6,080 |
| Noninterest income to average assets | 0.5872% | 3,206 |
| Noninterest expense to average assets | 2.1488% | 5,809 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0435% | 2,062 |
| Return on assets (ROA) | 1.0435% | 2,168 |
| Pretax return on assets | 1.0435% | 3,171 |
| Return on Equity (ROE) | 10.6979% | 1,794 |
| Retained earnings to average equity (ytd only) | -12.8834% | 6,699 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3111% | 4,440 |
| Assets per employee ($millions) | 4.7051% | 2,644 |
| Cash dividends to net income (ytd only)* | 220.4301% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7613% | 6,517 |
| 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 | 42.6412% | 5,789 |
| Net loans and leases to deposits | 47.1758% | 5,981 |
| Net loans and leases to core deposits | 49.3949% | 6,008 |
| Total domestic deposits to total assets | 90.3879% | 826 |
| Equity capital to assets | 9.4448% | 4,933 |
| Core capital (leverage) ratio | 8.6916% | 5,338 |
| Tier 1 risk-based capital ratio | 17.5710% | 2,532 |
| Total risk-based capital ratio | 18.2292% | 2,733 |
| Memoranda: | ||
| Average total assets | $213,885,500 | 2,941 |
| Average earning assets | $200,661,000 | 2,894 |
| Average equity | $20,864,000 | 3,151 |
| Average total loans | $98,611,500 | 3,546 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5867% | 6,241 |
| Cost of funding earning assets | 0.3814% | 6,045 |
| Net interest margin | 3.2053% | 5,556 |
| Noninterest income to average assets | 0.6091% | 3,232 |
| Noninterest expense to average assets | 2.3547% | 5,548 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.2431% | 1,465 |
| Return on assets (ROA) | 1.2431% | 1,628 |
| Pretax return on assets | 1.2431% | 2,627 |
| Return on Equity (ROE) | 12.1039% | 1,480 |
| Retained earnings to average equity (ytd only) | 3.7340% | 3,587 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4485% | 4,612 |
| Assets per employee ($millions) | 4.4965% | 2,967 |
| Cash dividends to net income (ytd only)* | 69.1506% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6793% | 6,660 |
| Loan loss allowance to noncurrent loans | 853.0120% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.0393% | 6,552 |
| Noncurrent loans to loans | 0.0796% | 6,285 |
| Net loans and leases to total assets | 48.9819% | 5,308 |
| Net loans and leases to deposits | 54.5427% | 5,605 |
| Net loans and leases to core deposits | 56.3840% | 5,686 |
| Total domestic deposits to total assets | 89.8048% | 1,062 |
| Equity capital to assets | 10.0722% | 4,073 |
| Core capital (leverage) ratio | 9.4687% | 4,152 |
| Tier 1 risk-based capital ratio | 16.5744% | 2,851 |
| Total risk-based capital ratio | 17.1739% | 3,167 |
| Memoranda: | ||
| Average total assets | $200,789,800 | 3,029 |
| Average earning assets | $187,218,400 | 3,000 |
| Average equity | $20,621,400 | 3,132 |
| Average total loans | $101,969,600 | 3,469 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6458% | 6,322 |
| Cost of funding earning assets | 0.4037% | 6,094 |
| Net interest margin | 3.2420% | 5,574 |
| Noninterest income to average assets | 0.6076% | 3,227 |
| Noninterest expense to average assets | 2.3712% | 5,481 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.2623% | 1,534 |
| Return on assets (ROA) | 1.2623% | 1,698 |
| Pretax return on assets | 1.2623% | 2,742 |
| Return on Equity (ROE) | 12.2280% | 1,557 |
| Retained earnings to average equity (ytd only) | 0.9842% | 5,778 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2593% | 4,581 |
| Assets per employee ($millions) | 4.2512% | 3,365 |
| Cash dividends to net income (ytd only)* | 91.9509% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6631% | 6,787 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 50.9203% | 5,199 |
| Net loans and leases to deposits | 56.7768% | 5,558 |
| Net loans and leases to core deposits | 58.8362% | 5,675 |
| Total domestic deposits to total assets | 89.6850% | 1,022 |
| Equity capital to assets | 9.9905% | 4,506 |
| Core capital (leverage) ratio | 9.6689% | 4,015 |
| Tier 1 risk-based capital ratio | 15.8870% | 3,333 |
| Total risk-based capital ratio | 16.4806% | 3,636 |
| Memoranda: | ||
| Average total assets | $198,153,500 | 3,099 |
| Average earning assets | $184,940,250 | 3,055 |
| Average equity | $20,455,250 | 3,179 |
| Average total loans | $101,406,000 | 3,529 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6551% | 6,410 |
| Cost of funding earning assets | 0.4253% | 6,125 |
| Net interest margin | 3.2298% | 5,647 |
| Noninterest income to average assets | 0.6100% | 3,196 |
| Noninterest expense to average assets | 2.3977% | 5,471 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2302% | 1,610 |
| Return on assets (ROA) | 1.2302% | 1,801 |
| Pretax return on assets | 1.2302% | 2,802 |
| Return on Equity (ROE) | 11.7817% | 1,736 |
| Retained earnings to average equity (ytd only) | -3.4519% | 6,506 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0911% | 4,513 |
| Assets per employee ($millions) | 4.1028% | 3,660 |
| Cash dividends to net income (ytd only)* | 129.2988% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7075% | 6,821 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 51.5272% | 5,151 |
| Net loans and leases to deposits | 57.7771% | 5,476 |
| Net loans and leases to core deposits | 59.6745% | 5,623 |
| Total domestic deposits to total assets | 89.1828% | 1,401 |
| Equity capital to assets | 10.5117% | 3,673 |
| Core capital (leverage) ratio | 9.5081% | 4,129 |
| Tier 1 risk-based capital ratio | 16.7232% | 2,800 |
| Total risk-based capital ratio | 17.3649% | 3,082 |
| Memoranda: | ||
| Average total assets | $194,768,670 | 3,157 |
| Average earning assets | $181,994,000 | 3,101 |
| Average equity | $20,336,670 | 3,186 |
| Average total loans | $99,615,000 | 3,584 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7083% | 6,424 |
| Cost of funding earning assets | 0.4400% | 6,208 |
| Net interest margin | 3.2683% | 5,581 |
| Noninterest income to average assets | 0.5436% | 3,607 |
| Noninterest expense to average assets | 2.3133% | 5,737 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2813% | 1,499 |
| Return on assets (ROA) | 1.2813% | 1,677 |
| Pretax return on assets | 1.2813% | 2,604 |
| Return on Equity (ROE) | 12.3122% | 1,578 |
| Retained earnings to average equity (ytd only) | -12.6264% | 6,915 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3547% | 4,860 |
| Assets per employee ($millions) | 4.3353% | 3,324 |
| Cash dividends to net income (ytd only)* | 202.5518% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7391% | 6,829 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 47.6778% | 5,600 |
| Net loans and leases to deposits | 53.1571% | 5,892 |
| Net loans and leases to core deposits | 54.9347% | 5,989 |
| Total domestic deposits to total assets | 89.6923% | 1,248 |
| Equity capital to assets | 10.0725% | 4,039 |
| Core capital (leverage) ratio | 9.2362% | 4,462 |
| Tier 1 risk-based capital ratio | 16.5655% | 2,879 |
| Total risk-based capital ratio | 17.2115% | 3,162 |
| Memoranda: | ||
| Average total assets | $195,737,000 | 3,159 |
| Average earning assets | $182,724,000 | 3,114 |
| Average equity | $20,370,000 | 3,184 |
| Average total loans | $99,388,000 | 3,610 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2520% | 5,910 |
| Cost of funding earning assets | 0.5266% | 6,429 |
| Net interest margin | 3.7253% | 4,175 |
| Noninterest income to average assets | 0.6222% | 3,053 |
| Noninterest expense to average assets | 2.5569% | 5,261 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.5088% | 807 |
| Return on assets (ROA) | 1.5175% | 862 |
| Pretax return on assets | 1.5175% | 1,420 |
| Return on Equity (ROE) | 14.3031% | 863 |
| Retained earnings to average equity (ytd only) | 5.6085% | 2,239 |
| Net charge-offs to loans | -0.0029% | 6,812 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8896% | 5,321 |
| Assets per employee ($millions) | 4.0010% | 3,845 |
| Cash dividends to net income (ytd only)* | 60.7885% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6875% | 6,923 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 53.2564% | 5,134 |
| Net loans and leases to deposits | 59.7801% | 5,512 |
| Net loans and leases to core deposits | 61.8523% | 5,672 |
| Total domestic deposits to total assets | 89.0872% | 1,484 |
| Equity capital to assets | 10.7540% | 3,240 |
| Core capital (leverage) ratio | 9.7547% | 3,667 |
| Tier 1 risk-based capital ratio | 15.9636% | 3,069 |
| Total risk-based capital ratio | 16.5648% | 3,401 |
| Memoranda: | ||
| Average total assets | $183,852,800 | 3,276 |
| Average earning assets | $169,944,800 | 3,248 |
| Average equity | $19,506,200 | 3,209 |
| Average total loans | $104,899,200 | 3,504 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3161% | 5,895 |
| Cost of funding earning assets | 0.5418% | 6,542 |
| Net interest margin | 3.7743% | 3,993 |
| Noninterest income to average assets | 0.6138% | 3,084 |
| Noninterest expense to average assets | 2.5917% | 5,111 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.5064% | 919 |
| Return on assets (ROA) | 1.5181% | 977 |
| Pretax return on assets | 1.5181% | 1,601 |
| Return on Equity (ROE) | 14.3601% | 967 |
| Retained earnings to average equity (ytd only) | 2.5945% | 4,813 |
| Net charge-offs to loans | -0.0025% | 6,674 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2427% | 5,189 |
| Assets per employee ($millions) | 3.8751% | 4,131 |
| Cash dividends to net income (ytd only)* | 81.9325% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6280% | 7,050 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 60.1412% | 4,102 |
| Net loans and leases to deposits | 67.6854% | 4,664 |
| Net loans and leases to core deposits | 70.3589% | 4,908 |
| Total domestic deposits to total assets | 88.8540% | 1,516 |
| Equity capital to assets | 10.7648% | 3,404 |
| Core capital (leverage) ratio | 10.0054% | 3,437 |
| Tier 1 risk-based capital ratio | 14.6452% | 3,874 |
| Total risk-based capital ratio | 15.2179% | 4,345 |
| Memoranda: | ||
| Average total assets | $181,803,500 | 3,323 |
| Average earning assets | $167,834,250 | 3,291 |
| Average equity | $19,219,500 | 3,256 |
| Average total loans | $105,377,250 | 3,514 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2615% | 6,133 |
| Cost of funding earning assets | 0.5566% | 6,636 |
| Net interest margin | 3.7049% | 4,243 |
| Noninterest income to average assets | 0.6064% | 3,089 |
| Noninterest expense to average assets | 2.6430% | 5,027 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.3802% | 1,128 |
| Return on assets (ROA) | 1.3980% | 1,154 |
| Pretax return on assets | 1.3980% | 1,803 |
| Return on Equity (ROE) | 13.3075% | 1,135 |
| Retained earnings to average equity (ytd only) | -2.4061% | 6,305 |
| Net charge-offs to loans | -0.0039% | 6,560 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6930% | 4,937 |
| Assets per employee ($millions) | 3.8525% | 4,085 |
| Cash dividends to net income (ytd only)* | 118.0809% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6724% | 7,052 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 57.6773% | 4,694 |
| Net loans and leases to deposits | 67.6233% | 4,766 |
| Net loans and leases to core deposits | 70.1205% | 5,060 |
| Total domestic deposits to total assets | 85.2921% | 3,731 |
| Equity capital to assets | 10.6370% | 3,346 |
| Core capital (leverage) ratio | 9.9727% | 3,295 |
| Tier 1 risk-based capital ratio | 14.9953% | 3,498 |
| Total risk-based capital ratio | 15.6019% | 3,872 |
| Memoranda: | ||
| Average total assets | $180,403,330 | 3,361 |
| Average earning assets | $166,375,000 | 3,330 |
| Average equity | $18,951,670 | 3,272 |
| Average total loans | $102,979,000 | 3,606 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2273% | 6,217 |
| Cost of funding earning assets | 0.5775% | 6,699 |
| Net interest margin | 3.6497% | 4,329 |
| Noninterest income to average assets | 0.6020% | 3,150 |
| Noninterest expense to average assets | 2.6256% | 5,132 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3595% | 1,136 |
| Return on assets (ROA) | 1.3950% | 1,113 |
| Pretax return on assets | 1.3950% | 1,737 |
| Return on Equity (ROE) | 13.3635% | 1,117 |
| Retained earnings to average equity (ytd only) | -12.5336% | 6,961 |
| Net charge-offs to loans | -0.0079% | 6,305 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8863% | 5,050 |
| Assets per employee ($millions) | 3.7719% | 4,366 |
| Cash dividends to net income (ytd only)* | 193.7898% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7303% | 7,039 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 53.0834% | 5,438 |
| Net loans and leases to deposits | 59.2815% | 5,795 |
| Net loans and leases to core deposits | 61.6878% | 5,952 |
| Total domestic deposits to total assets | 89.5445% | 1,456 |
| Equity capital to assets | 10.2097% | 3,527 |
| Core capital (leverage) ratio | 9.4164% | 3,935 |
| Tier 1 risk-based capital ratio | 15.6702% | 3,070 |
| Total risk-based capital ratio | 16.3174% | 3,349 |
| Memoranda: | ||
| Average total assets | $180,072,000 | 3,387 |
| Average earning assets | $166,916,500 | 3,344 |
| Average equity | $18,797,500 | 3,283 |
| Average total loans | $101,898,000 | 3,674 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5111% | 6,375 |
| Cost of funding earning assets | 0.7112% | 6,850 |
| Net interest margin | 3.7999% | 3,948 |
| Noninterest income to average assets | 0.6462% | 3,175 |
| Noninterest expense to average assets | 2.7576% | 4,750 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.3899% | 969 |
| Return on assets (ROA) | 1.4088% | 1,007 |
| Pretax return on assets | 1.4088% | 1,641 |
| Return on Equity (ROE) | 13.3966% | 1,001 |
| Retained earnings to average equity (ytd only) | 7.6211% | 1,111 |
| Net charge-offs to loans | 0.0155% | 6,668 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 152.1875% | 164 |
| Efficiency ratio | 66.4878% | 4,875 |
| Assets per employee ($millions) | 3.7311% | 4,400 |
| Cash dividends to net income (ytd only)* | 43.1118% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6590% | 7,189 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 59.3413% | 4,782 |
| Net loans and leases to deposits | 66.5675% | 5,327 |
| Net loans and leases to core deposits | 69.5230% | 5,485 |
| Total domestic deposits to total assets | 89.1446% | 1,576 |
| Equity capital to assets | 10.6706% | 2,995 |
| Core capital (leverage) ratio | 9.8318% | 3,283 |
| Tier 1 risk-based capital ratio | 15.1469% | 3,173 |
| Total risk-based capital ratio | 15.7500% | 3,498 |
| Memoranda: | ||
| Average total assets | $175,190,200 | 3,452 |
| Average earning assets | $161,425,800 | 3,420 |
| Average equity | $18,422,600 | 3,364 |
| Average total loans | $103,036,800 | 3,709 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5199% | 6,559 |
| Cost of funding earning assets | 0.7374% | 6,950 |
| Net interest margin | 3.7825% | 4,047 |
| Noninterest income to average assets | 0.6674% | 3,028 |
| Noninterest expense to average assets | 2.7858% | 4,550 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.3638% | 1,183 |
| Return on assets (ROA) | 1.3891% | 1,208 |
| Pretax return on assets | 1.3891% | 1,907 |
| Return on Equity (ROE) | 13.2594% | 1,195 |
| Retained earnings to average equity (ytd only) | 5.4864% | 2,658 |
| Net charge-offs to loans | -0.0065% | 7,229 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1339% | 4,635 |
| Assets per employee ($millions) | 3.8484% | 4,153 |
| Cash dividends to net income (ytd only)* | 58.6225% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6384% | 7,300 |
| Loan loss allowance to noncurrent loans | 2,016.6667% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.0195% | 7,313 |
| Noncurrent loans to loans | 0.0317% | 7,170 |
| Net loans and leases to total assets | 61.1723% | 4,684 |
| Net loans and leases to deposits | 76.6897% | 4,054 |
| Net loans and leases to core deposits | 81.5302% | 4,311 |
| Total domestic deposits to total assets | 79.7660% | 5,785 |
| Equity capital to assets | 10.2282% | 3,841 |
| Core capital (leverage) ratio | 9.5671% | 3,810 |
| Tier 1 risk-based capital ratio | 13.4597% | 4,232 |
| Total risk-based capital ratio | 14.0327% | 4,721 |
| Memoranda: | ||
| Average total assets | $174,215,000 | 3,509 |
| Average earning assets | $160,383,000 | 3,489 |
| Average equity | $18,250,750 | 3,434 |
| Average total loans | $102,051,000 | 3,800 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5019% | 6,709 |
| Cost of funding earning assets | 0.7726% | 6,998 |
| Net interest margin | 3.7293% | 4,236 |
| Noninterest income to average assets | 0.6983% | 2,719 |
| Noninterest expense to average assets | 2.8668% | 4,201 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.2641% | 1,393 |
| Return on assets (ROA) | 1.2981% | 1,373 |
| Pretax return on assets | 1.2981% | 2,091 |
| Return on Equity (ROE) | 12.2863% | 1,384 |
| Retained earnings to average equity (ytd only) | 2.5837% | 4,499 |
| Net charge-offs to loans | -0.0061% | 7,131 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3988% | 4,296 |
| Assets per employee ($millions) | 3.4795% | 4,971 |
| Cash dividends to net income (ytd only)* | 78.9711% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7400% | 7,171 |
| Loan loss allowance to noncurrent loans | 2,011.1111% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.0207% | 7,356 |
| Noncurrent loans to loans | 0.0368% | 7,226 |
| Net loans and leases to total assets | 55.8210% | 5,731 |
| Net loans and leases to deposits | 66.8093% | 5,706 |
| Net loans and leases to core deposits | 70.2889% | 5,844 |
| Total domestic deposits to total assets | 83.5527% | 4,312 |
| Equity capital to assets | 10.4636% | 3,461 |
| Core capital (leverage) ratio | 9.6647% | 3,589 |
| Tier 1 risk-based capital ratio | 14.7482% | 3,297 |
| Total risk-based capital ratio | 15.3940% | 3,595 |
| Memoranda: | ||
| Average total assets | $170,712,000 | 3,590 |
| Average earning assets | $157,132,670 | 3,570 |
| Average equity | $18,036,330 | 3,461 |
| Average total loans | $98,159,330 | 3,957 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4751% | 6,836 |
| Cost of funding earning assets | 0.8097% | 7,061 |
| Net interest margin | 3.6654% | 4,409 |
| Noninterest income to average assets | 0.6340% | 3,053 |
| Noninterest expense to average assets | 2.9335% | 3,938 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0740% | 1,918 |
| Return on assets (ROA) | 1.0740% | 1,990 |
| Pretax return on assets | 1.0740% | 2,825 |
| Return on Equity (ROE) | 10.1156% | 2,061 |
| Retained earnings to average equity (ytd only) | -4.6790% | 6,561 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1995% | 3,725 |
| Assets per employee ($millions) | 3.2857% | 5,568 |
| Cash dividends to net income (ytd only)* | 146.2555% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7740% | 7,190 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 55.1586% | 5,866 |
| Net loans and leases to deposits | 61.9897% | 6,275 |
| Net loans and leases to core deposits | 65.3948% | 6,334 |
| Total domestic deposits to total assets | 88.9803% | 1,530 |
| Equity capital to assets | 10.6372% | 3,110 |
| Core capital (leverage) ratio | 9.5410% | 3,707 |
| Tier 1 risk-based capital ratio | 15.0667% | 3,091 |
| Total risk-based capital ratio | 15.7418% | 3,352 |
| Memoranda: | ||
| Average total assets | $169,081,000 | 3,677 |
| Average earning assets | $155,616,500 | 3,656 |
| Average equity | $17,952,500 | 3,493 |
| Average total loans | $98,320,000 | 4,006 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0018% | 6,424 |
| Cost of funding earning assets | 1.0222% | 7,165 |
| Net interest margin | 3.9795% | 2,944 |
| Noninterest income to average assets | 0.7124% | 2,884 |
| Noninterest expense to average assets | 2.8965% | 4,540 |
| Loan and lease loss provision to assets | 0.0877% | 6,737 |
| Net operating income to assets | 1.3874% | 872 |
| Return on assets (ROA) | 1.3915% | 923 |
| Pretax return on assets | 1.3915% | 1,458 |
| Return on Equity (ROE) | 13.8412% | 812 |
| Retained earnings to average equity (ytd only) | 7.1621% | 914 |
| Net charge-offs to loans | 0.0867% | 6,254 |
| Credit loss provision to net charge-offs | 166.6667% | 2,597 |
| Earnings coverage of net charge-offs (x) | 28.0222% | 814 |
| Efficiency ratio | 66.2564% | 5,346 |
| Assets per employee ($millions) | 3.2806% | 5,537 |
| Cash dividends to net income (ytd only)* | 48.2556% | 2,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6967% | 7,384 |
| Loan loss allowance to noncurrent loans | 1,162.9032% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.0363% | 7,428 |
| Noncurrent loans to loans | 0.0599% | 7,272 |
| Net loans and leases to total assets | 60.2425% | 5,298 |
| Net loans and leases to deposits | 67.6709% | 5,870 |
| Net loans and leases to core deposits | 85.4022% | 5,585 |
| Total domestic deposits to total assets | 89.0227% | 1,473 |
| Equity capital to assets | 10.5986% | 3,068 |
| Core capital (leverage) ratio | 9.5935% | 3,605 |
| Tier 1 risk-based capital ratio | 13.9375% | 3,541 |
| Total risk-based capital ratio | 14.5539% | 3,885 |
| Memoranda: | ||
| Average total assets | $170,965,600 | 3,596 |
| Average earning assets | $157,203,800 | 3,576 |
| Average equity | $17,187,800 | 3,637 |
| Average total loans | $103,753,400 | 3,849 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8670% | 6,964 |
| Cost of funding earning assets | 1.0472% | 7,291 |
| Net interest margin | 3.8198% | 3,573 |
| Noninterest income to average assets | 0.7186% | 2,894 |
| Noninterest expense to average assets | 2.7990% | 4,905 |
| Loan and lease loss provision to assets | 0.1169% | 6,196 |
| Net operating income to assets | 1.3227% | 1,172 |
| Return on assets (ROA) | 1.3282% | 1,228 |
| Pretax return on assets | 1.3282% | 1,885 |
| Return on Equity (ROE) | 13.3921% | 1,032 |
| Retained earnings to average equity (ytd only) | 4.3697% | 2,829 |
| Net charge-offs to loans | 0.1181% | 5,515 |
| Credit loss provision to net charge-offs | 163.0435% | 2,892 |
| Earnings coverage of net charge-offs (x) | 20.0767% | 1,254 |
| Efficiency ratio | 66.0353% | 5,355 |
| Assets per employee ($millions) | 3.2902% | 5,426 |
| Cash dividends to net income (ytd only)* | 67.3711% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6595% | 7,468 |
| Loan loss allowance to noncurrent loans | 42.4690% | 5,485 |
| Noncurrent assets plus other real estate owned to assets | 0.9895% | 5,086 |
| Noncurrent loans to loans | 1.5529% | 4,311 |
| Net loans and leases to total assets | 63.3004% | 5,018 |
| Net loans and leases to deposits | 78.6084% | 4,635 |
| Net loans and leases to core deposits | 100.6337% | 4,300 |
| Total domestic deposits to total assets | 80.5263% | 5,234 |
| Equity capital to assets | 10.1939% | 3,856 |
| Core capital (leverage) ratio | 9.3187% | 4,160 |
| Tier 1 risk-based capital ratio | 12.9584% | 4,220 |
| Total risk-based capital ratio | 13.5546% | 4,643 |
| Memoranda: | ||
| Average total assets | $171,059,750 | 3,611 |
| Average earning assets | $157,630,500 | 3,589 |
| Average equity | $16,964,750 | 3,706 |
| Average total loans | $103,819,750 | 3,886 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8490% | 7,136 |
| Cost of funding earning assets | 1.0778% | 7,416 |
| Net interest margin | 3.7711% | 3,672 |
| Noninterest income to average assets | 0.7238% | 2,848 |
| Noninterest expense to average assets | 2.7852% | 5,024 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.4078% | 1,013 |
| Return on assets (ROA) | 1.4090% | 1,077 |
| Pretax return on assets | 1.4090% | 1,698 |
| Return on Equity (ROE) | 14.3401% | 935 |
| Retained earnings to average equity (ytd only) | 3.1774% | 3,547 |
| Net charge-offs to loans | 0.1038% | 5,121 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 22.7170% | 1,213 |
| Efficiency ratio | 66.4250% | 5,467 |
| Assets per employee ($millions) | 3.1317% | 5,774 |
| Cash dividends to net income (ytd only)* | 77.8423% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5974% | 7,635 |
| Loan loss allowance to noncurrent loans | 35.9126% | 6,041 |
| Noncurrent assets plus other real estate owned to assets | 1.0200% | 4,936 |
| Noncurrent loans to loans | 1.6636% | 3,999 |
| Net loans and leases to total assets | 60.9484% | 5,529 |
| Net loans and leases to deposits | 72.4862% | 5,670 |
| Net loans and leases to core deposits | 99.1279% | 4,588 |
| Total domestic deposits to total assets | 84.0828% | 3,718 |
| Equity capital to assets | 10.1206% | 3,794 |
| Core capital (leverage) ratio | 9.4305% | 3,990 |
| Tier 1 risk-based capital ratio | 13.3353% | 3,909 |
| Total risk-based capital ratio | 13.8639% | 4,348 |
| Memoranda: | ||
| Average total assets | $171,049,000 | 3,617 |
| Average earning assets | $157,353,000 | 3,609 |
| Average equity | $16,806,000 | 3,751 |
| Average total loans | $102,086,000 | 3,962 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9133% | 7,140 |
| Cost of funding earning assets | 1.1153% | 7,493 |
| Net interest margin | 3.7980% | 3,447 |
| Noninterest income to average assets | 0.6314% | 3,345 |
| Noninterest expense to average assets | 2.6039% | 5,433 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.5117% | 916 |
| Return on assets (ROA) | 1.5117% | 987 |
| Pretax return on assets | 1.5117% | 1,636 |
| Return on Equity (ROE) | 15.6098% | 882 |
| Retained earnings to average equity (ytd only) | 12.4926% | 715 |
| Net charge-offs to loans | -0.0156% | 7,376 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2699% | 5,818 |
| Assets per employee ($millions) | 3.2461% | 5,470 |
| Cash dividends to net income (ytd only)* | 19.9695% | 2,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6817% | 7,500 |
| Loan loss allowance to noncurrent loans | 36.8625% | 6,098 |
| Noncurrent assets plus other real estate owned to assets | 1.0897% | 4,505 |
| Noncurrent loans to loans | 1.8493% | 3,491 |
| Net loans and leases to total assets | 58.5223% | 5,864 |
| Net loans and leases to deposits | 65.5811% | 6,411 |
| Net loans and leases to core deposits | 88.2769% | 5,709 |
| Total domestic deposits to total assets | 89.2364% | 1,127 |
| Equity capital to assets | 10.3691% | 3,594 |
| Core capital (leverage) ratio | 9.4313% | 4,066 |
| Tier 1 risk-based capital ratio | 14.0333% | 3,569 |
| Total risk-based capital ratio | 14.6319% | 3,849 |
| Memoranda: | ||
| Average total assets | $173,584,500 | 3,596 |
| Average earning assets | $159,240,000 | 3,586 |
| Average equity | $16,810,000 | 3,764 |
| Average total loans | $102,244,500 | 3,971 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6991% | 6,784 |
| Cost of funding earning assets | 1.9782% | 6,479 |
| Net interest margin | 3.7209% | 4,381 |
| Noninterest income to average assets | 0.7534% | 2,761 |
| Noninterest expense to average assets | 2.6211% | 5,572 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.5403% | 943 |
| Return on assets (ROA) | 1.5397% | 912 |
| Pretax return on assets | 1.5397% | 1,568 |
| Return on Equity (ROE) | 17.0631% | 622 |
| Retained earnings to average equity (ytd only) | 5.5550% | 1,741 |
| Net charge-offs to loans | 0.0212% | 6,562 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 118.8636% | 380 |
| Efficiency ratio | 62.9866% | 5,777 |
| Assets per employee ($millions) | 3.4927% | 4,683 |
| Cash dividends to net income (ytd only)* | 67.4445% | 2,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6181% | 7,645 |
| Loan loss allowance to noncurrent loans | 32.8366% | 6,534 |
| Noncurrent assets plus other real estate owned to assets | 1.1084% | 4,061 |
| Noncurrent loans to loans | 1.8823% | 2,938 |
| Net loans and leases to total assets | 58.5178% | 6,124 |
| Net loans and leases to deposits | 70.9735% | 6,171 |
| Net loans and leases to core deposits | 95.2219% | 5,325 |
| Total domestic deposits to total assets | 82.4502% | 4,025 |
| Equity capital to assets | 9.0596% | 5,287 |
| Core capital (leverage) ratio | 8.6350% | 5,312 |
| Tier 1 risk-based capital ratio | 12.4075% | 4,499 |
| Total risk-based capital ratio | 12.9517% | 4,956 |
| Memoranda: | ||
| Average total assets | $169,774,800 | 3,559 |
| Average earning assets | $155,498,200 | 3,557 |
| Average equity | $15,319,600 | 4,070 |
| Average total loans | $103,562,400 | 3,860 |