Home > Germantown Trust & Savings Bank > Performance and Condition Ratios
Germantown Trust & Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8571% | 4,121 |
| Cost of funding earning assets | 1.3205% | 2,458 |
| Net interest margin | 2.5367% | 4,057 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 1.1026% | 4,488 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.5646% | 912 |
| Return on assets (ROA) | 1.5663% | 878 |
| Pretax return on assets | 1.5845% | 1,263 |
| Return on Equity (ROE) | 24.2500% | 343 |
| Retained earnings to average equity (ytd only) | 7.8357% | 1,593 |
| Net charge-offs to loans | 0.0023% | 2,722 |
| Credit loss provision to net charge-offs | 2,000.0000% | 222 |
| Earnings coverage of net charge-offs (x) | 1,254.5000% | 127 |
| Efficiency ratio | 40.6716% | 4,350 |
| Assets per employee ($millions) | 10.3403% | 640 |
| Cash dividends to net income (ytd only)* | 67.6944% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9503% | 3,538 |
| 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 | 55.4900% | 3,235 |
| Net loans and leases to deposits | 69.4280% | 2,923 |
| Net loans and leases to core deposits | 76.3233% | 2,955 |
| Total domestic deposits to total assets | 79.9200% | 3,474 |
| Equity capital to assets | 7.2245% | 3,852 |
| Core capital (leverage) ratio | 11.4699% | 1,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $467,979,200 | 1,802 |
| Average earning assets | $457,567,800 | 1,737 |
| Average equity | $30,220,600 | 2,254 |
| Average total loans | $259,590,800 | 1,959 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7417% | 4,165 |
| Cost of funding earning assets | 1.2157% | 2,383 |
| Net interest margin | 2.5260% | 4,114 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 1.0934% | 4,506 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.5549% | 1,012 |
| Return on assets (ROA) | 1.5571% | 1,004 |
| Pretax return on assets | 1.5754% | 1,411 |
| Return on Equity (ROE) | 24.8700% | 388 |
| Retained earnings to average equity (ytd only) | 2.1974% | 3,690 |
| Net charge-offs to loans | 0.0031% | 2,415 |
| Credit loss provision to net charge-offs | 2,133.3333% | 227 |
| Earnings coverage of net charge-offs (x) | 937.8333% | 171 |
| Efficiency ratio | 40.4487% | 4,349 |
| Assets per employee ($millions) | 10.8430% | 521 |
| Cash dividends to net income (ytd only)* | 91.1630% | 310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9593% | 3,531 |
| 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 | 56.2400% | 3,183 |
| Net loans and leases to deposits | 68.3595% | 2,953 |
| Net loans and leases to core deposits | 74.7836% | 2,941 |
| Total domestic deposits to total assets | 82.2800% | 3,162 |
| Equity capital to assets | 5.1545% | 4,222 |
| Core capital (leverage) ratio | 11.1784% | 1,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $466,060,000 | 1,807 |
| Average earning assets | $455,896,000 | 1,745 |
| Average equity | $29,184,750 | 2,290 |
| Average total loans | $257,875,500 | 1,972 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5811% | 4,270 |
| Cost of funding earning assets | 1.1102% | 2,252 |
| Net interest margin | 2.4709% | 4,235 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 1.0880% | 4,543 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.4970% | 1,104 |
| Return on assets (ROA) | 1.5004% | 1,101 |
| Pretax return on assets | 1.5189% | 1,560 |
| Return on Equity (ROE) | 22.6300% | 504 |
| Retained earnings to average equity (ytd only) | 0.0453% | 4,062 |
| Net charge-offs to loans | 0.0008% | 2,407 |
| Credit loss provision to net charge-offs | 6,200.0000% | 94 |
| Earnings coverage of net charge-offs (x) | 3,593.0000% | 30 |
| Efficiency ratio | 41.3675% | 4,353 |
| Assets per employee ($millions) | 10.2785% | 620 |
| Cash dividends to net income (ytd only)* | 99.7998% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9563% | 3,587 |
| 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 | 54.3000% | 3,250 |
| Net loans and leases to deposits | 66.2285% | 3,043 |
| Net loans and leases to core deposits | 71.7981% | 3,022 |
| Total domestic deposits to total assets | 81.9900% | 3,236 |
| Equity capital to assets | 6.1851% | 4,102 |
| Core capital (leverage) ratio | 11.2356% | 1,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $465,996,333 | 1,806 |
| Average earning assets | $455,784,000 | 1,746 |
| Average equity | $30,902,000 | 2,227 |
| Average total loans | $255,575,333 | 1,979 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4479% | 4,329 |
| Cost of funding earning assets | 0.9539% | 2,206 |
| Net interest margin | 2.4940% | 4,311 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 1.0887% | 4,606 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.5038% | 1,182 |
| Return on assets (ROA) | 1.5106% | 1,144 |
| Pretax return on assets | 1.5288% | 1,605 |
| Return on Equity (ROE) | 22.0200% | 579 |
| Retained earnings to average equity (ytd only) | 4.8155% | 3,062 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 41.1572% | 4,416 |
| Assets per employee ($millions) | 10.3240% | 629 |
| Cash dividends to net income (ytd only)* | 78.1339% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9582% | 3,684 |
| 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 | 54.6800% | 3,152 |
| Net loans and leases to deposits | 65.4182% | 2,982 |
| Net loans and leases to core deposits | 70.3547% | 2,929 |
| Total domestic deposits to total assets | 83.5900% | 3,177 |
| Equity capital to assets | 7.1731% | 3,746 |
| Core capital (leverage) ratio | 11.4706% | 1,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $462,588,000 | 1,844 |
| Average earning assets | $452,444,500 | 1,767 |
| Average equity | $31,731,000 | 2,226 |
| Average total loans | $253,747,500 | 2,004 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1430% | 3,917 |
| Cost of funding earning assets | 0.4951% | 1,426 |
| Net interest margin | 2.6479% | 4,116 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 1.0582% | 4,635 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.6265% | 644 |
| Return on assets (ROA) | 1.4649% | 931 |
| Pretax return on assets | 1.5714% | 1,240 |
| Return on Equity (ROE) | 17.3000% | 811 |
| Retained earnings to average equity (ytd only) | 2.4128% | 3,881 |
| Net charge-offs to loans | -0.0008% | 3,343 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 37.6607% | 4,583 |
| Assets per employee ($millions) | 9.7999% | 721 |
| Cash dividends to net income (ytd only)* | 86.0496% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8945% | 3,790 |
| 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 | 54.0000% | 3,199 |
| Net loans and leases to deposits | 65.2690% | 2,935 |
| Net loans and leases to core deposits | 69.9104% | 2,877 |
| Total domestic deposits to total assets | 82.7400% | 3,478 |
| Equity capital to assets | 6.5431% | 3,884 |
| Core capital (leverage) ratio | 11.4801% | 1,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $459,472,200 | 1,834 |
| Average earning assets | $450,023,000 | 1,760 |
| Average equity | $38,917,400 | 1,958 |
| Average total loans | $236,679,800 | 2,015 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0854% | 3,708 |
| Cost of funding earning assets | 0.4469% | 993 |
| Net interest margin | 2.6384% | 4,047 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 1.0470% | 4,661 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.6394% | 606 |
| Return on assets (ROA) | 1.6211% | 608 |
| Pretax return on assets | 1.7308% | 846 |
| Return on Equity (ROE) | 18.1100% | 631 |
| Retained earnings to average equity (ytd only) | -0.6778% | 4,403 |
| Net charge-offs to loans | -0.0011% | 3,193 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 37.3408% | 4,625 |
| Assets per employee ($millions) | 10.0860% | 645 |
| Cash dividends to net income (ytd only)* | 103.7435% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9267% | 3,779 |
| 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 | 52.7200% | 3,215 |
| Net loans and leases to deposits | 60.9869% | 3,109 |
| Net loans and leases to core deposits | 64.9265% | 3,036 |
| Total domestic deposits to total assets | 86.4400% | 2,948 |
| Equity capital to assets | 6.0674% | 3,940 |
| Core capital (leverage) ratio | 11.3173% | 1,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $459,191,750 | 1,841 |
| Average earning assets | $450,155,250 | 1,767 |
| Average equity | $41,112,500 | 1,913 |
| Average total loans | $233,104,250 | 2,038 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0143% | 3,524 |
| Cost of funding earning assets | 0.4437% | 712 |
| Net interest margin | 2.5706% | 3,956 |
| Noninterest income to average assets | 0.2204% | 3,878 |
| Noninterest expense to average assets | 1.0396% | 4,683 |
| Loan and lease loss provision to assets | 0.0065% | 2,481 |
| Net operating income to assets | 1.5773% | 577 |
| Return on assets (ROA) | 1.5450% | 611 |
| Pretax return on assets | 1.6609% | 824 |
| Return on Equity (ROE) | 15.6056% | 772 |
| Retained earnings to average equity (ytd only) | -2.4892% | 4,417 |
| Net charge-offs to loans | -0.0017% | 3,109 |
| Credit loss provision to net charge-offs | -750.0000% | 3,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.9174% | 4,655 |
| Assets per employee ($millions) | 10.3997% | 584 |
| Cash dividends to net income (ytd only)* | 115.9506% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9481% | 3,805 |
| 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 | 50.9165% | 3,274 |
| Net loans and leases to deposits | 59.3970% | 3,099 |
| Net loans and leases to core deposits | 62.2211% | 3,095 |
| Total domestic deposits to total assets | 85.7225% | 3,320 |
| Equity capital to assets | 7.4015% | 3,532 |
| Core capital (leverage) ratio | 11.3188% | 1,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $460,965,333 | 1,840 |
| Average earning assets | $452,113,333 | 1,778 |
| Average equity | $45,637,333 | 1,811 |
| Average total loans | $230,302,667 | 2,049 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9488% | 3,403 |
| Cost of funding earning assets | 0.4567% | 626 |
| Net interest margin | 2.4922% | 3,915 |
| Noninterest income to average assets | 0.2334% | 3,748 |
| Noninterest expense to average assets | 1.0211% | 4,713 |
| Loan and lease loss provision to assets | 0.0061% | 2,202 |
| Net operating income to assets | 1.5469% | 577 |
| Return on assets (ROA) | 1.5087% | 610 |
| Pretax return on assets | 1.6098% | 813 |
| Return on Equity (ROE) | 13.5476% | 923 |
| Retained earnings to average equity (ytd only) | 0.1087% | 3,996 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.1337% | 4,680 |
| Assets per employee ($millions) | 10.2989% | 631 |
| Cash dividends to net income (ytd only)* | 99.1977% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9691% | 3,842 |
| 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 | 48.9504% | 3,285 |
| Net loans and leases to deposits | 58.7154% | 3,010 |
| Net loans and leases to core deposits | 61.5166% | 3,017 |
| Total domestic deposits to total assets | 83.3689% | 3,890 |
| Equity capital to assets | 9.8422% | 2,011 |
| Core capital (leverage) ratio | 11.7425% | 1,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $462,655,000 | 1,851 |
| Average earning assets | $453,739,000 | 1,774 |
| Average equity | $51,522,000 | 1,695 |
| Average total loans | $227,845,500 | 2,062 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1255% | 3,635 |
| Cost of funding earning assets | 0.5472% | 724 |
| Net interest margin | 2.5783% | 4,080 |
| Noninterest income to average assets | 0.2767% | 3,735 |
| Noninterest expense to average assets | 1.0146% | 4,758 |
| Loan and lease loss provision to assets | 0.0667% | 1,737 |
| Net operating income to assets | 1.6329% | 735 |
| Return on assets (ROA) | 1.6595% | 727 |
| Pretax return on assets | 1.7512% | 1,022 |
| Return on Equity (ROE) | 12.8906% | 1,494 |
| Retained earnings to average equity (ytd only) | 2.3091% | 3,880 |
| Net charge-offs to loans | -0.0078% | 3,662 |
| Credit loss provision to net charge-offs | -1,776.4706% | 4,034 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.1789% | 4,749 |
| Assets per employee ($millions) | 10.0404% | 655 |
| Cash dividends to net income (ytd only)* | 82.0868% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9766% | 3,842 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 48.5856% | 3,447 |
| Net loans and leases to deposits | 60.4821% | 3,035 |
| Net loans and leases to core deposits | 63.5875% | 3,024 |
| Total domestic deposits to total assets | 80.3306% | 4,186 |
| Equity capital to assets | 12.4345% | 1,080 |
| Core capital (leverage) ratio | 11.9247% | 1,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $452,787,400 | 1,828 |
| Average earning assets | $443,898,400 | 1,753 |
| Average equity | $58,290,600 | 1,549 |
| Average total loans | $219,353,600 | 2,103 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1362% | 3,735 |
| Cost of funding earning assets | 0.5679% | 752 |
| Net interest margin | 2.5683% | 4,183 |
| Noninterest income to average assets | 0.2897% | 3,720 |
| Noninterest expense to average assets | 1.0009% | 4,839 |
| Loan and lease loss provision to assets | 0.0806% | 1,473 |
| Net operating income to assets | 1.7076% | 812 |
| Return on assets (ROA) | 1.7390% | 787 |
| Pretax return on assets | 1.7588% | 1,260 |
| Return on Equity (ROE) | 13.3909% | 1,581 |
| Retained earnings to average equity (ytd only) | -0.6654% | 4,629 |
| Net charge-offs to loans | -0.0104% | 3,686 |
| Credit loss provision to net charge-offs | -1,600.0000% | 3,949 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.6375% | 4,818 |
| Assets per employee ($millions) | 10.1019% | 622 |
| Cash dividends to net income (ytd only)* | 104.9694% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0113% | 3,803 |
| 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 | 47.0040% | 3,715 |
| Net loans and leases to deposits | 58.5967% | 3,353 |
| Net loans and leases to core deposits | 61.6919% | 3,348 |
| Total domestic deposits to total assets | 80.2160% | 4,201 |
| Equity capital to assets | 12.8174% | 1,048 |
| Core capital (leverage) ratio | 11.7101% | 1,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $450,519,500 | 1,853 |
| Average earning assets | $441,840,000 | 1,782 |
| Average equity | $58,505,750 | 1,567 |
| Average total loans | $217,539,500 | 2,149 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1611% | 3,748 |
| Cost of funding earning assets | 0.5885% | 787 |
| Net interest margin | 2.5725% | 4,210 |
| Noninterest income to average assets | 0.3184% | 3,520 |
| Noninterest expense to average assets | 1.0014% | 4,871 |
| Loan and lease loss provision to assets | 0.1078% | 1,170 |
| Net operating income to assets | 1.7121% | 853 |
| Return on assets (ROA) | 1.7562% | 827 |
| Pretax return on assets | 1.7762% | 1,287 |
| Return on Equity (ROE) | 13.4640% | 1,576 |
| Retained earnings to average equity (ytd only) | -1.8571% | 4,663 |
| Net charge-offs to loans | -0.0257% | 4,091 |
| Credit loss provision to net charge-offs | -864.2857% | 3,615 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.2508% | 4,853 |
| Assets per employee ($millions) | 10.3314% | 556 |
| Cash dividends to net income (ytd only)* | 113.7931% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0041% | 3,806 |
| 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 | 46.9342% | 3,833 |
| Net loans and leases to deposits | 58.4058% | 3,505 |
| Net loans and leases to core deposits | 61.6944% | 3,494 |
| Total domestic deposits to total assets | 80.3588% | 4,177 |
| Equity capital to assets | 12.6928% | 1,051 |
| Core capital (leverage) ratio | 11.6893% | 1,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $449,164,333 | 1,848 |
| Average earning assets | $440,421,667 | 1,786 |
| Average equity | $58,585,667 | 1,560 |
| Average total loans | $218,100,667 | 2,156 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0638% | 3,960 |
| Cost of funding earning assets | 0.6221% | 788 |
| Net interest margin | 2.4417% | 4,372 |
| Noninterest income to average assets | 0.3700% | 3,246 |
| Noninterest expense to average assets | 0.9730% | 4,912 |
| Loan and lease loss provision to assets | 0.0269% | 2,431 |
| Net operating income to assets | 1.7448% | 876 |
| Return on assets (ROA) | 1.7883% | 859 |
| Pretax return on assets | 1.8089% | 1,277 |
| Return on Equity (ROE) | 13.5256% | 1,532 |
| Retained earnings to average equity (ytd only) | 0.5895% | 4,288 |
| Net charge-offs to loans | -0.1258% | 4,700 |
| Credit loss provision to net charge-offs | -43.4783% | 2,751 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.1912% | 4,857 |
| Assets per employee ($millions) | 10.5140% | 513 |
| Cash dividends to net income (ytd only)* | 95.6413% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9122% | 4,122 |
| 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 | 47.8875% | 3,832 |
| Net loans and leases to deposits | 59.3876% | 3,531 |
| Net loans and leases to core deposits | 62.9325% | 3,503 |
| Total domestic deposits to total assets | 80.6356% | 4,117 |
| Equity capital to assets | 12.6294% | 1,023 |
| Core capital (leverage) ratio | 12.1279% | 1,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $446,456,000 | 1,853 |
| Average earning assets | $437,893,500 | 1,786 |
| Average equity | $59,029,000 | 1,539 |
| Average total loans | $219,392,000 | 2,152 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6091% | 3,793 |
| Cost of funding earning assets | 0.8241% | 1,111 |
| Net interest margin | 2.7850% | 4,283 |
| Noninterest income to average assets | 0.3128% | 3,600 |
| Noninterest expense to average assets | 1.0324% | 4,928 |
| Loan and lease loss provision to assets | 0.2141% | 1,837 |
| Net operating income to assets | 1.7751% | 410 |
| Return on assets (ROA) | 1.7945% | 425 |
| Pretax return on assets | 1.8144% | 668 |
| Return on Equity (ROE) | 13.1285% | 1,011 |
| Retained earnings to average equity (ytd only) | 2.6657% | 3,520 |
| Net charge-offs to loans | -0.0331% | 4,565 |
| Credit loss provision to net charge-offs | -1,232.8767% | 4,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.9459% | 4,942 |
| Assets per employee ($millions) | 10.7514% | 428 |
| Cash dividends to net income (ytd only)* | 79.6952% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8598% | 4,296 |
| 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 | 49.5444% | 3,858 |
| Net loans and leases to deposits | 62.5125% | 3,572 |
| Net loans and leases to core deposits | 66.6219% | 3,494 |
| Total domestic deposits to total assets | 79.2552% | 4,172 |
| Equity capital to assets | 13.8291% | 840 |
| Core capital (leverage) ratio | 12.2133% | 1,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $420,461,400 | 1,797 |
| Average earning assets | $411,957,600 | 1,727 |
| Average equity | $57,470,400 | 1,492 |
| Average total loans | $220,745,800 | 2,100 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7531% | 3,678 |
| Cost of funding earning assets | 0.8520% | 1,249 |
| Net interest margin | 2.9011% | 4,182 |
| Noninterest income to average assets | 0.3030% | 3,672 |
| Noninterest expense to average assets | 1.0198% | 4,967 |
| Loan and lease loss provision to assets | 0.2407% | 1,685 |
| Net operating income to assets | 1.8650% | 395 |
| Return on assets (ROA) | 1.8733% | 431 |
| Pretax return on assets | 1.8935% | 645 |
| Return on Equity (ROE) | 13.7481% | 931 |
| Retained earnings to average equity (ytd only) | -0.4170% | 4,544 |
| Net charge-offs to loans | -0.0441% | 4,638 |
| Credit loss provision to net charge-offs | -1,027.3973% | 3,926 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.4184% | 4,982 |
| Assets per employee ($millions) | 10.6304% | 417 |
| Cash dividends to net income (ytd only)* | 103.0329% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7865% | 4,388 |
| 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 | 50.4783% | 4,073 |
| Net loans and leases to deposits | 63.6671% | 3,817 |
| Net loans and leases to core deposits | 68.0526% | 3,756 |
| Total domestic deposits to total assets | 79.2847% | 4,002 |
| Equity capital to assets | 13.6509% | 956 |
| Core capital (leverage) ratio | 12.0999% | 1,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $415,374,500 | 1,794 |
| Average earning assets | $407,009,750 | 1,718 |
| Average equity | $56,598,000 | 1,501 |
| Average total loans | $220,859,750 | 2,100 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9434% | 3,490 |
| Cost of funding earning assets | 0.8813% | 1,458 |
| Net interest margin | 3.0621% | 3,987 |
| Noninterest income to average assets | 0.2737% | 3,839 |
| Noninterest expense to average assets | 1.0442% | 5,001 |
| Loan and lease loss provision to assets | 0.2937% | 1,464 |
| Net operating income to assets | 1.9156% | 397 |
| Return on assets (ROA) | 1.9234% | 434 |
| Pretax return on assets | 1.9439% | 620 |
| Return on Equity (ROE) | 14.1250% | 860 |
| Retained earnings to average equity (ytd only) | -1.7005% | 4,557 |
| Net charge-offs to loans | 0.0508% | 1,759 |
| Credit loss provision to net charge-offs | 1,071.4286% | 756 |
| Earnings coverage of net charge-offs (x) | 81.3393% | 798 |
| Efficiency ratio | 31.8929% | 5,008 |
| Assets per employee ($millions) | 10.4647% | 446 |
| Cash dividends to net income (ytd only)* | 112.0387% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6540% | 4,663 |
| Loan loss allowance to noncurrent loans | 7,710.5263% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 4,577 |
| Noncurrent loans to loans | 0.0085% | 4,487 |
| Net loans and leases to total assets | 51.8671% | 4,036 |
| Net loans and leases to deposits | 65.4799% | 3,765 |
| Net loans and leases to core deposits | 70.2667% | 3,686 |
| Total domestic deposits to total assets | 79.2108% | 3,999 |
| Equity capital to assets | 13.6279% | 950 |
| Core capital (leverage) ratio | 12.3936% | 1,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $408,550,333 | 1,786 |
| Average earning assets | $400,317,333 | 1,711 |
| Average equity | $55,631,667 | 1,508 |
| Average total loans | $220,562,333 | 2,077 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9091% | 4,016 |
| Cost of funding earning assets | 0.9124% | 1,807 |
| Net interest margin | 2.9967% | 4,286 |
| Noninterest income to average assets | 0.2551% | 4,020 |
| Noninterest expense to average assets | 1.0776% | 5,050 |
| Loan and lease loss provision to assets | 0.1506% | 1,892 |
| Net operating income to assets | 1.9385% | 303 |
| Return on assets (ROA) | 1.9603% | 322 |
| Pretax return on assets | 1.9814% | 469 |
| Return on Equity (ROE) | 14.4027% | 626 |
| Retained earnings to average equity (ytd only) | 1.9479% | 3,463 |
| Net charge-offs to loans | 0.1024% | 1,067 |
| Credit loss provision to net charge-offs | 267.8571% | 1,249 |
| Earnings coverage of net charge-offs (x) | 37.5179% | 1,057 |
| Efficiency ratio | 33.8059% | 5,046 |
| Assets per employee ($millions) | 9.5816% | 431 |
| Cash dividends to net income (ytd only)* | 86.4754% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4612% | 4,909 |
| Loan loss allowance to noncurrent loans | 46.5596% | 4,148 |
| Noncurrent assets plus other real estate owned to assets | 0.5417% | 2,367 |
| Noncurrent loans to loans | 0.9906% | 1,668 |
| Net loans and leases to total assets | 54.4329% | 3,950 |
| Net loans and leases to deposits | 68.9383% | 3,663 |
| Net loans and leases to core deposits | 74.3340% | 3,614 |
| Total domestic deposits to total assets | 78.9589% | 4,059 |
| Equity capital to assets | 13.5210% | 1,212 |
| Core capital (leverage) ratio | 13.1490% | 1,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $398,298,500 | 1,771 |
| Average earning assets | $389,761,000 | 1,707 |
| Average equity | $54,212,000 | 1,537 |
| Average total loans | $218,842,000 | 2,053 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8409% | 4,515 |
| Cost of funding earning assets | 0.9085% | 2,156 |
| Net interest margin | 2.9324% | 4,617 |
| Noninterest income to average assets | 0.2332% | 4,281 |
| Noninterest expense to average assets | 1.0943% | 5,110 |
| Loan and lease loss provision to assets | 0.1926% | 1,063 |
| Net operating income to assets | 1.7939% | 525 |
| Return on assets (ROA) | 1.8480% | 501 |
| Pretax return on assets | 1.8679% | 798 |
| Return on Equity (ROE) | 13.9347% | 909 |
| Retained earnings to average equity (ytd only) | 2.1300% | 3,929 |
| Net charge-offs to loans | 0.5479% | 336 |
| Credit loss provision to net charge-offs | 63.9246% | 2,989 |
| Earnings coverage of net charge-offs (x) | 6.6564% | 2,953 |
| Efficiency ratio | 35.2990% | 5,113 |
| Assets per employee ($millions) | 9.3850% | 433 |
| Cash dividends to net income (ytd only)* | 84.7143% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4232% | 4,970 |
| Loan loss allowance to noncurrent loans | 42.7180% | 4,227 |
| Noncurrent assets plus other real estate owned to assets | 0.5470% | 2,250 |
| Noncurrent loans to loans | 0.9907% | 1,536 |
| Net loans and leases to total assets | 54.9751% | 4,001 |
| Net loans and leases to deposits | 69.8193% | 3,687 |
| Net loans and leases to core deposits | 75.2683% | 3,627 |
| Total domestic deposits to total assets | 78.7392% | 4,235 |
| Equity capital to assets | 13.7027% | 1,209 |
| Core capital (leverage) ratio | 13.1182% | 1,192 |
| Tier 1 risk-based capital ratio | 22.7344% | 939 |
| Total risk-based capital ratio | 23.1397% | 1,017 |
| Memoranda: | ||
| Average total assets | $387,273,200 | 1,776 |
| Average earning assets | $378,632,400 | 1,718 |
| Average equity | $51,361,000 | 1,562 |
| Average total loans | $213,008,400 | 2,068 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8277% | 4,639 |
| Cost of funding earning assets | 0.9006% | 2,232 |
| Net interest margin | 2.9271% | 4,730 |
| Noninterest income to average assets | 0.2203% | 4,410 |
| Noninterest expense to average assets | 1.0886% | 5,193 |
| Loan and lease loss provision to assets | 0.0712% | 2,453 |
| Net operating income to assets | 1.9006% | 491 |
| Return on assets (ROA) | 1.9293% | 478 |
| Pretax return on assets | 1.9511% | 769 |
| Return on Equity (ROE) | 14.6721% | 856 |
| Retained earnings to average equity (ytd only) | -1.2729% | 4,879 |
| Net charge-offs to loans | 0.1051% | 1,419 |
| Credit loss provision to net charge-offs | 123.3533% | 1,910 |
| Earnings coverage of net charge-offs (x) | 34.5151% | 1,495 |
| Efficiency ratio | 35.3232% | 5,184 |
| Assets per employee ($millions) | 9.3836% | 422 |
| Cash dividends to net income (ytd only)* | 108.6754% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6410% | 4,750 |
| Loan loss allowance to noncurrent loans | 43.8552% | 4,271 |
| Noncurrent assets plus other real estate owned to assets | 0.7990% | 1,727 |
| Noncurrent loans to loans | 1.4617% | 1,042 |
| Net loans and leases to total assets | 54.3131% | 4,156 |
| Net loans and leases to deposits | 69.1964% | 3,819 |
| Net loans and leases to core deposits | 74.6945% | 3,787 |
| Total domestic deposits to total assets | 78.4912% | 4,267 |
| Equity capital to assets | 13.5271% | 1,348 |
| Core capital (leverage) ratio | 12.8942% | 1,385 |
| Tier 1 risk-based capital ratio | 22.2432% | 1,036 |
| Total risk-based capital ratio | 22.8814% | 1,093 |
| Memoranda: | ||
| Average total assets | $385,548,750 | 1,795 |
| Average earning assets | $376,922,250 | 1,731 |
| Average equity | $50,698,250 | 1,581 |
| Average total loans | $211,856,250 | 2,089 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7876% | 4,726 |
| Cost of funding earning assets | 0.8831% | 2,227 |
| Net interest margin | 2.9045% | 4,817 |
| Noninterest income to average assets | 0.2164% | 4,449 |
| Noninterest expense to average assets | 1.1027% | 5,243 |
| Loan and lease loss provision to assets | 0.0455% | 2,910 |
| Net operating income to assets | 1.8881% | 494 |
| Return on assets (ROA) | 1.9316% | 469 |
| Pretax return on assets | 1.9535% | 749 |
| Return on Equity (ROE) | 14.8353% | 795 |
| Retained earnings to average equity (ytd only) | -3.4359% | 4,989 |
| Net charge-offs to loans | 0.0047% | 2,994 |
| Credit loss provision to net charge-offs | 1,740.0000% | 217 |
| Earnings coverage of net charge-offs (x) | 748.2000% | 108 |
| Efficiency ratio | 36.0622% | 5,215 |
| Assets per employee ($millions) | 9.2294% | 426 |
| Cash dividends to net income (ytd only)* | 123.1602% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6723% | 4,752 |
| Loan loss allowance to noncurrent loans | 48.4838% | 4,227 |
| Noncurrent assets plus other real estate owned to assets | 0.7572% | 1,838 |
| Noncurrent loans to loans | 1.3866% | 1,124 |
| Net loans and leases to total assets | 54.2381% | 4,192 |
| Net loans and leases to deposits | 68.7939% | 3,919 |
| Net loans and leases to core deposits | 74.0924% | 3,885 |
| Total domestic deposits to total assets | 78.8414% | 4,249 |
| Equity capital to assets | 13.4340% | 1,356 |
| Core capital (leverage) ratio | 12.9258% | 1,336 |
| Tier 1 risk-based capital ratio | 22.7338% | 966 |
| Total risk-based capital ratio | 23.4106% | 1,014 |
| Memoranda: | ||
| Average total assets | $382,694,000 | 1,812 |
| Average earning assets | $374,383,000 | 1,744 |
| Average equity | $49,827,000 | 1,595 |
| Average total loans | $210,663,000 | 2,108 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7886% | 4,721 |
| Cost of funding earning assets | 0.8447% | 2,298 |
| Net interest margin | 2.9439% | 4,832 |
| Noninterest income to average assets | 0.2051% | 4,522 |
| Noninterest expense to average assets | 1.0920% | 5,308 |
| Loan and lease loss provision to assets | 0.0431% | 2,775 |
| Net operating income to assets | 1.9262% | 439 |
| Return on assets (ROA) | 1.9262% | 453 |
| Pretax return on assets | 1.9483% | 706 |
| Return on Equity (ROE) | 15.0381% | 743 |
| Retained earnings to average equity (ytd only) | -0.7556% | 4,621 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.4145% | 5,281 |
| Assets per employee ($millions) | 9.3677% | 415 |
| Cash dividends to net income (ytd only)* | 105.0246% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6560% | 4,844 |
| Loan loss allowance to noncurrent loans | 202.4890% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 0.1778% | 3,926 |
| Noncurrent loans to loans | 0.3240% | 3,404 |
| Net loans and leases to total assets | 54.5315% | 4,171 |
| Net loans and leases to deposits | 68.7928% | 3,856 |
| Net loans and leases to core deposits | 73.2239% | 3,847 |
| Total domestic deposits to total assets | 79.2693% | 4,303 |
| Equity capital to assets | 12.9815% | 1,466 |
| Core capital (leverage) ratio | 13.2518% | 1,168 |
| Tier 1 risk-based capital ratio | 23.1185% | 924 |
| Total risk-based capital ratio | 23.7743% | 963 |
| Memoranda: | ||
| Average total assets | $380,223,500 | 1,836 |
| Average earning assets | $371,749,000 | 1,761 |
| Average equity | $48,703,000 | 1,612 |
| Average total loans | $210,160,000 | 2,134 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6401% | 4,755 |
| Cost of funding earning assets | 0.7761% | 1,654 |
| Net interest margin | 2.8640% | 4,958 |
| Noninterest income to average assets | 0.2395% | 4,481 |
| Noninterest expense to average assets | 1.1189% | 5,333 |
| Loan and lease loss provision to assets | 0.0370% | 3,459 |
| Net operating income to assets | 1.8620% | 491 |
| Return on assets (ROA) | 1.8671% | 484 |
| Pretax return on assets | 1.8912% | 735 |
| Return on Equity (ROE) | 15.1053% | 805 |
| Retained earnings to average equity (ytd only) | 2.6960% | 4,056 |
| Net charge-offs to loans | 0.1063% | 1,690 |
| Credit loss provision to net charge-offs | 62.7273% | 3,068 |
| Earnings coverage of net charge-offs (x) | 32.6318% | 1,515 |
| Efficiency ratio | 36.7823% | 5,320 |
| Assets per employee ($millions) | 8.9612% | 475 |
| Cash dividends to net income (ytd only)* | 82.1521% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6406% | 4,905 |
| Loan loss allowance to noncurrent loans | 196.4861% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 0.1815% | 3,902 |
| Noncurrent loans to loans | 0.3260% | 3,386 |
| Net loans and leases to total assets | 55.3052% | 4,181 |
| Net loans and leases to deposits | 69.5823% | 3,860 |
| Net loans and leases to core deposits | 72.7100% | 3,943 |
| Total domestic deposits to total assets | 79.4816% | 4,217 |
| Equity capital to assets | 12.6330% | 1,521 |
| Core capital (leverage) ratio | 13.3742% | 1,119 |
| Tier 1 risk-based capital ratio | 23.2179% | 895 |
| Total risk-based capital ratio | 23.8502% | 933 |
| Memoranda: | ||
| Average total assets | $373,308,800 | 1,818 |
| Average earning assets | $365,296,000 | 1,745 |
| Average equity | $46,142,800 | 1,627 |
| Average total loans | $206,882,200 | 2,123 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6092% | 4,786 |
| Cost of funding earning assets | 0.7639% | 1,515 |
| Net interest margin | 2.8453% | 5,041 |
| Noninterest income to average assets | 0.2355% | 4,564 |
| Noninterest expense to average assets | 1.1045% | 5,411 |
| Loan and lease loss provision to assets | 0.0369% | 3,269 |
| Net operating income to assets | 1.8561% | 543 |
| Return on assets (ROA) | 1.8628% | 532 |
| Pretax return on assets | 1.8872% | 839 |
| Return on Equity (ROE) | 15.1552% | 844 |
| Retained earnings to average equity (ytd only) | -1.5170% | 5,166 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.5510% | 5,382 |
| Assets per employee ($millions) | 8.2461% | 583 |
| Cash dividends to net income (ytd only)* | 110.0096% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7387% | 4,789 |
| Loan loss allowance to noncurrent loans | 169.1030% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 0.2433% | 3,737 |
| Noncurrent loans to loans | 0.4368% | 3,089 |
| Net loans and leases to total assets | 55.2969% | 4,273 |
| Net loans and leases to deposits | 69.5646% | 3,952 |
| Net loans and leases to core deposits | 72.7688% | 4,026 |
| Total domestic deposits to total assets | 79.4900% | 4,220 |
| Equity capital to assets | 11.8551% | 2,003 |
| Core capital (leverage) ratio | 12.9893% | 1,282 |
| Tier 1 risk-based capital ratio | 22.5077% | 989 |
| Total risk-based capital ratio | 23.2387% | 1,032 |
| Memoranda: | ||
| Average total assets | $372,543,500 | 1,831 |
| Average earning assets | $364,800,000 | 1,750 |
| Average equity | $45,791,750 | 1,642 |
| Average total loans | $206,229,250 | 2,134 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5769% | 4,803 |
| Cost of funding earning assets | 0.7440% | 1,405 |
| Net interest margin | 2.8329% | 5,087 |
| Noninterest income to average assets | 0.2402% | 4,577 |
| Noninterest expense to average assets | 1.1098% | 5,474 |
| Loan and lease loss provision to assets | 0.0370% | 3,172 |
| Net operating income to assets | 1.8439% | 531 |
| Return on assets (ROA) | 1.8540% | 518 |
| Pretax return on assets | 1.8781% | 815 |
| Return on Equity (ROE) | 14.9077% | 870 |
| Retained earnings to average equity (ytd only) | -3.6774% | 5,240 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.8131% | 5,440 |
| Assets per employee ($millions) | 8.6750% | 493 |
| Cash dividends to net income (ytd only)* | 124.6674% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7248% | 4,880 |
| Loan loss allowance to noncurrent loans | 43.1378% | 4,540 |
| Noncurrent assets plus other real estate owned to assets | 0.9278% | 1,623 |
| Noncurrent loans to loans | 1.6802% | 950 |
| Net loans and leases to total assets | 54.8218% | 4,264 |
| Net loans and leases to deposits | 68.5152% | 3,986 |
| Net loans and leases to core deposits | 71.2437% | 4,065 |
| Total domestic deposits to total assets | 80.0140% | 4,236 |
| Equity capital to assets | 11.9975% | 1,857 |
| Core capital (leverage) ratio | 12.8281% | 1,307 |
| Tier 1 risk-based capital ratio | 22.7722% | 955 |
| Total risk-based capital ratio | 23.5004% | 992 |
| Memoranda: | ||
| Average total assets | $373,033,670 | 1,834 |
| Average earning assets | $365,344,330 | 1,750 |
| Average equity | $46,392,000 | 1,620 |
| Average total loans | $206,066,000 | 2,142 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5374% | 4,809 |
| Cost of funding earning assets | 0.7263% | 1,309 |
| Net interest margin | 2.8111% | 5,150 |
| Noninterest income to average assets | 0.2305% | 4,626 |
| Noninterest expense to average assets | 1.1066% | 5,543 |
| Loan and lease loss provision to assets | 0.0365% | 3,013 |
| Net operating income to assets | 1.8145% | 548 |
| Return on assets (ROA) | 1.8315% | 530 |
| Pretax return on assets | 1.8561% | 807 |
| Return on Equity (ROE) | 14.4712% | 908 |
| Retained earnings to average equity (ytd only) | -1.6437% | 4,978 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.1090% | 5,500 |
| Assets per employee ($millions) | 8.9214% | 455 |
| Cash dividends to net income (ytd only)* | 111.3583% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7085% | 5,014 |
| 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 | 54.5318% | 4,240 |
| Net loans and leases to deposits | 68.3484% | 3,923 |
| Net loans and leases to core deposits | 71.1197% | 4,023 |
| Total domestic deposits to total assets | 79.7850% | 4,449 |
| Equity capital to assets | 12.2947% | 1,605 |
| Core capital (leverage) ratio | 13.1862% | 1,109 |
| Tier 1 risk-based capital ratio | 22.8023% | 960 |
| Total risk-based capital ratio | 23.5050% | 1,001 |
| Memoranda: | ||
| Average total assets | $373,037,000 | 1,850 |
| Average earning assets | $365,124,500 | 1,765 |
| Average equity | $47,211,000 | 1,603 |
| Average total loans | $206,102,500 | 2,149 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4807% | 4,811 |
| Cost of funding earning assets | 0.7041% | 999 |
| Net interest margin | 2.7766% | 5,199 |
| Noninterest income to average assets | 0.2454% | 4,660 |
| Noninterest expense to average assets | 1.1200% | 5,597 |
| Loan and lease loss provision to assets | 0.0327% | 3,612 |
| Net operating income to assets | 1.7831% | 436 |
| Return on assets (ROA) | 1.8033% | 429 |
| Pretax return on assets | 1.8279% | 734 |
| Return on Equity (ROE) | 13.8489% | 780 |
| Retained earnings to average equity (ytd only) | 2.9900% | 3,509 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.8373% | 5,561 |
| Assets per employee ($millions) | 8.4404% | 546 |
| Cash dividends to net income (ytd only)* | 78.4094% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6899% | 5,091 |
| 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 | 55.1984% | 4,256 |
| Net loans and leases to deposits | 70.7139% | 3,814 |
| Net loans and leases to core deposits | 73.8137% | 3,892 |
| Total domestic deposits to total assets | 78.0587% | 4,710 |
| Equity capital to assets | 13.0202% | 1,257 |
| Core capital (leverage) ratio | 13.3149% | 1,034 |
| Tier 1 risk-based capital ratio | 23.0000% | 910 |
| Total risk-based capital ratio | 23.6911% | 946 |
| Memoranda: | ||
| Average total assets | $366,769,600 | 1,841 |
| Average earning assets | $358,601,000 | 1,758 |
| Average equity | $47,758,400 | 1,572 |
| Average total loans | $197,348,000 | 2,176 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4510% | 4,892 |
| Cost of funding earning assets | 0.6941% | 991 |
| Net interest margin | 2.7568% | 5,274 |
| Noninterest income to average assets | 0.2440% | 4,743 |
| Noninterest expense to average assets | 1.1378% | 5,659 |
| Loan and lease loss provision to assets | 0.0328% | 3,467 |
| Net operating income to assets | 1.7441% | 530 |
| Return on assets (ROA) | 1.7683% | 518 |
| Pretax return on assets | 1.7931% | 905 |
| Return on Equity (ROE) | 13.5796% | 917 |
| Retained earnings to average equity (ytd only) | -0.9438% | 5,344 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.7097% | 5,607 |
| Assets per employee ($millions) | 8.5891% | 504 |
| Cash dividends to net income (ytd only)* | 106.9499% | 241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6941% | 5,148 |
| 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 | 53.9991% | 4,416 |
| Net loans and leases to deposits | 68.9320% | 4,042 |
| Net loans and leases to core deposits | 72.0038% | 4,126 |
| Total domestic deposits to total assets | 78.3368% | 4,661 |
| Equity capital to assets | 13.0181% | 1,385 |
| Core capital (leverage) ratio | 12.9449% | 1,231 |
| Tier 1 risk-based capital ratio | 22.6051% | 985 |
| Total risk-based capital ratio | 23.3005% | 1,024 |
| Memoranda: | ||
| Average total assets | $365,617,750 | 1,862 |
| Average earning assets | $357,457,750 | 1,782 |
| Average equity | $47,609,500 | 1,595 |
| Average total loans | $195,080,500 | 2,207 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4246% | 4,926 |
| Cost of funding earning assets | 0.6815% | 982 |
| Net interest margin | 2.7430% | 5,315 |
| Noninterest income to average assets | 0.2426% | 4,791 |
| Noninterest expense to average assets | 1.1609% | 5,710 |
| Loan and lease loss provision to assets | 0.0329% | 3,335 |
| Net operating income to assets | 1.7062% | 564 |
| Return on assets (ROA) | 1.7377% | 526 |
| Pretax return on assets | 1.7624% | 917 |
| Return on Equity (ROE) | 13.3438% | 953 |
| Retained earnings to average equity (ytd only) | -2.7901% | 5,412 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.6959% | 5,638 |
| Assets per employee ($millions) | 8.7981% | 448 |
| Cash dividends to net income (ytd only)* | 120.9097% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6888% | 5,236 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0176% | 5,219 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 53.2193% | 4,469 |
| Net loans and leases to deposits | 68.5132% | 4,022 |
| Net loans and leases to core deposits | 70.9912% | 4,165 |
| Total domestic deposits to total assets | 77.6774% | 4,866 |
| Equity capital to assets | 13.1183% | 1,316 |
| Core capital (leverage) ratio | 12.9482% | 1,193 |
| Tier 1 risk-based capital ratio | 22.8983% | 962 |
| Total risk-based capital ratio | 23.5969% | 989 |
| Memoranda: | ||
| Average total assets | $364,379,670 | 1,867 |
| Average earning assets | $356,249,330 | 1,780 |
| Average equity | $47,452,670 | 1,604 |
| Average total loans | $193,164,000 | 2,231 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3985% | 4,925 |
| Cost of funding earning assets | 0.6946% | 862 |
| Net interest margin | 2.7039% | 5,390 |
| Noninterest income to average assets | 0.2355% | 4,857 |
| Noninterest expense to average assets | 1.1188% | 5,787 |
| Loan and lease loss provision to assets | 0.0332% | 3,124 |
| Net operating income to assets | 1.7010% | 550 |
| Return on assets (ROA) | 1.7645% | 490 |
| Pretax return on assets | 1.7899% | 822 |
| Return on Equity (ROE) | 13.5999% | 881 |
| Retained earnings to average equity (ytd only) | -0.3664% | 4,977 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.8782% | 5,711 |
| Assets per employee ($millions) | 8.6280% | 480 |
| Cash dividends to net income (ytd only)* | 102.6942% | 671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7013% | 5,304 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0235% | 5,236 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 52.1220% | 4,507 |
| Net loans and leases to deposits | 66.1867% | 4,160 |
| Net loans and leases to core deposits | 68.5271% | 4,255 |
| Total domestic deposits to total assets | 78.7499% | 4,870 |
| Equity capital to assets | 13.0624% | 1,232 |
| Core capital (leverage) ratio | 13.4820% | 982 |
| Tier 1 risk-based capital ratio | 23.9047% | 880 |
| Total risk-based capital ratio | 24.6051% | 921 |
| Memoranda: | ||
| Average total assets | $361,808,500 | 1,888 |
| Average earning assets | $353,565,000 | 1,807 |
| Average equity | $46,941,500 | 1,616 |
| Average total loans | $190,735,500 | 2,270 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5714% | 4,587 |
| Cost of funding earning assets | 0.6981% | 812 |
| Net interest margin | 2.8733% | 5,177 |
| Noninterest income to average assets | 0.2236% | 5,073 |
| Noninterest expense to average assets | 1.1053% | 5,843 |
| Loan and lease loss provision to assets | 0.0529% | 3,328 |
| Net operating income to assets | 1.8480% | 406 |
| Return on assets (ROA) | 1.8715% | 405 |
| Pretax return on assets | 1.8970% | 628 |
| Return on Equity (ROE) | 13.5111% | 871 |
| Retained earnings to average equity (ytd only) | 2.4766% | 4,105 |
| Net charge-offs to loans | 0.0425% | 3,188 |
| Credit loss provision to net charge-offs | 239.7436% | 1,209 |
| Earnings coverage of net charge-offs (x) | 87.2436% | 670 |
| Efficiency ratio | 36.4613% | 5,823 |
| Assets per employee ($millions) | 8.8108% | 446 |
| Cash dividends to net income (ytd only)* | 81.6697% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6818% | 5,396 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0235% | 5,294 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 52.5841% | 4,562 |
| Net loans and leases to deposits | 68.9593% | 4,012 |
| Net loans and leases to core deposits | 71.2893% | 4,132 |
| Total domestic deposits to total assets | 76.2539% | 5,220 |
| Equity capital to assets | 12.8855% | 1,310 |
| Core capital (leverage) ratio | 13.4813% | 974 |
| Tier 1 risk-based capital ratio | 23.8207% | 886 |
| Total risk-based capital ratio | 24.5065% | 926 |
| Memoranda: | ||
| Average total assets | $353,301,000 | 1,889 |
| Average earning assets | $345,246,200 | 1,800 |
| Average equity | $48,937,400 | 1,551 |
| Average total loans | $183,709,400 | 2,277 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6227% | 4,487 |
| Cost of funding earning assets | 0.6880% | 864 |
| Net interest margin | 2.9347% | 5,120 |
| Noninterest income to average assets | 0.2190% | 5,156 |
| Noninterest expense to average assets | 1.1002% | 5,908 |
| Loan and lease loss provision to assets | 0.0433% | 3,365 |
| Net operating income to assets | 1.9188% | 389 |
| Return on assets (ROA) | 1.9511% | 389 |
| Pretax return on assets | 1.9765% | 604 |
| Return on Equity (ROE) | 13.8378% | 859 |
| Retained earnings to average equity (ytd only) | -0.6944% | 5,458 |
| Net charge-offs to loans | 0.0579% | 2,524 |
| Credit loss provision to net charge-offs | 144.3038% | 1,820 |
| Earnings coverage of net charge-offs (x) | 66.2789% | 894 |
| Efficiency ratio | 35.6361% | 5,892 |
| Assets per employee ($millions) | 8.6831% | 450 |
| Cash dividends to net income (ytd only)* | 105.0185% | 326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6586% | 5,511 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0508% | 5,256 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 52.1158% | 4,651 |
| Net loans and leases to deposits | 67.2524% | 4,224 |
| Net loans and leases to core deposits | 69.7488% | 4,343 |
| Total domestic deposits to total assets | 77.4929% | 5,000 |
| Equity capital to assets | 14.0947% | 1,002 |
| Core capital (leverage) ratio | 13.1067% | 1,149 |
| Tier 1 risk-based capital ratio | 23.5853% | 938 |
| Total risk-based capital ratio | 24.2432% | 989 |
| Memoranda: | ||
| Average total assets | $351,315,750 | 1,900 |
| Average earning assets | $343,378,500 | 1,811 |
| Average equity | $49,534,750 | 1,535 |
| Average total loans | $181,821,750 | 2,294 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6705% | 4,383 |
| Cost of funding earning assets | 0.6785% | 900 |
| Net interest margin | 2.9920% | 5,100 |
| Noninterest income to average assets | 0.2190% | 5,179 |
| Noninterest expense to average assets | 1.1031% | 5,986 |
| Loan and lease loss provision to assets | 0.0286% | 3,553 |
| Net operating income to assets | 1.9870% | 339 |
| Return on assets (ROA) | 2.0357% | 325 |
| Pretax return on assets | 2.0615% | 508 |
| Return on Equity (ROE) | 14.4362% | 759 |
| Retained earnings to average equity (ytd only) | -1.9951% | 5,539 |
| Net charge-offs to loans | 0.0266% | 2,946 |
| Credit loss provision to net charge-offs | 208.3333% | 1,258 |
| Earnings coverage of net charge-offs (x) | 148.7083% | 418 |
| Efficiency ratio | 35.0855% | 5,978 |
| Assets per employee ($millions) | 8.5664% | 464 |
| Cash dividends to net income (ytd only)* | 113.8202% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6624% | 5,586 |
| Loan loss allowance to noncurrent loans | 629.3814% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.1071% | 5,082 |
| Noncurrent loans to loans | 0.1052% | 5,028 |
| Net loans and leases to total assets | 52.1372% | 4,660 |
| Net loans and leases to deposits | 67.1325% | 4,255 |
| Net loans and leases to core deposits | 69.1186% | 4,397 |
| Total domestic deposits to total assets | 77.6632% | 5,058 |
| Equity capital to assets | 14.1958% | 964 |
| Core capital (leverage) ratio | 13.1741% | 1,093 |
| Tier 1 risk-based capital ratio | 23.6886% | 938 |
| Total risk-based capital ratio | 24.3404% | 984 |
| Memoranda: | ||
| Average total assets | $349,752,000 | 1,916 |
| Average earning assets | $341,913,000 | 1,819 |
| Average equity | $49,320,330 | 1,543 |
| Average total loans | $180,173,670 | 2,312 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4762% | 4,945 |
| Cost of funding earning assets | 0.6732% | 930 |
| Net interest margin | 2.8030% | 5,463 |
| Noninterest income to average assets | 0.2074% | 5,248 |
| Noninterest expense to average assets | 1.1140% | 6,053 |
| Loan and lease loss provision to assets | 0.0241% | 3,369 |
| Net operating income to assets | 1.7843% | 482 |
| Return on assets (ROA) | 1.8819% | 437 |
| Pretax return on assets | 1.9071% | 682 |
| Return on Equity (ROE) | 13.3901% | 948 |
| Retained earnings to average equity (ytd only) | 0.1386% | 5,074 |
| Net charge-offs to loans | 0.1123% | 1,451 |
| Credit loss provision to net charge-offs | 42.0000% | 2,134 |
| Earnings coverage of net charge-offs (x) | 31.9800% | 1,146 |
| Efficiency ratio | 37.8063% | 6,003 |
| Assets per employee ($millions) | 8.5831% | 458 |
| Cash dividends to net income (ytd only)* | 98.9647% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6481% | 5,674 |
| Loan loss allowance to noncurrent loans | 651.3966% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.1026% | 5,166 |
| Noncurrent loans to loans | 0.0995% | 5,074 |
| Net loans and leases to total assets | 50.7962% | 4,739 |
| Net loans and leases to deposits | 65.9843% | 4,261 |
| Net loans and leases to core deposits | 67.8685% | 4,414 |
| Total domestic deposits to total assets | 76.9823% | 5,290 |
| Equity capital to assets | 14.1582% | 929 |
| Core capital (leverage) ratio | 13.3366% | 1,043 |
| Tier 1 risk-based capital ratio | 24.8383% | 831 |
| Total risk-based capital ratio | 25.4861% | 879 |
| Memoranda: | ||
| Average total assets | $349,016,500 | 1,919 |
| Average earning assets | $341,060,000 | 1,824 |
| Average equity | $49,051,000 | 1,546 |
| Average total loans | $178,091,000 | 2,333 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4022% | 5,153 |
| Cost of funding earning assets | 0.6614% | 1,013 |
| Net interest margin | 2.7407% | 5,601 |
| Noninterest income to average assets | 0.1950% | 5,417 |
| Noninterest expense to average assets | 1.0936% | 6,106 |
| Loan and lease loss provision to assets | 0.0208% | 3,975 |
| Net operating income to assets | 1.7339% | 541 |
| Return on assets (ROA) | 1.7729% | 521 |
| Pretax return on assets | 1.7969% | 813 |
| Return on Equity (ROE) | 12.8398% | 1,093 |
| Retained earnings to average equity (ytd only) | 2.2692% | 4,432 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.0780% | 6,092 |
| Assets per employee ($millions) | 8.4421% | 473 |
| Cash dividends to net income (ytd only)* | 82.3270% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6780% | 5,674 |
| Loan loss allowance to noncurrent loans | 1,057.5221% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.0855% | 5,288 |
| Noncurrent loans to loans | 0.0641% | 5,252 |
| Net loans and leases to total assets | 50.5785% | 4,818 |
| Net loans and leases to deposits | 64.5429% | 4,426 |
| Net loans and leases to core deposits | 66.1294% | 4,581 |
| Total domestic deposits to total assets | 78.3642% | 5,090 |
| Equity capital to assets | 13.9481% | 950 |
| Core capital (leverage) ratio | 13.5034% | 966 |
| Tier 1 risk-based capital ratio | 25.1216% | 805 |
| Total risk-based capital ratio | 25.7916% | 841 |
| Memoranda: | ||
| Average total assets | $345,657,400 | 1,888 |
| Average earning assets | $337,609,000 | 1,799 |
| Average equity | $47,726,600 | 1,554 |
| Average total loans | $168,800,200 | 2,362 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3790% | 5,250 |
| Cost of funding earning assets | 0.6605% | 1,033 |
| Net interest margin | 2.7185% | 5,702 |
| Noninterest income to average assets | 0.2041% | 5,425 |
| Noninterest expense to average assets | 1.0758% | 6,201 |
| Loan and lease loss provision to assets | 0.0208% | 3,858 |
| Net operating income to assets | 1.7404% | 581 |
| Return on assets (ROA) | 1.7923% | 547 |
| Pretax return on assets | 1.8155% | 871 |
| Return on Equity (ROE) | 13.0140% | 1,118 |
| Retained earnings to average equity (ytd only) | -1.1207% | 5,769 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.6198% | 6,166 |
| Assets per employee ($millions) | 8.4729% | 446 |
| Cash dividends to net income (ytd only)* | 108.6114% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6858% | 5,761 |
| Loan loss allowance to noncurrent loans | 1,041.5929% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.0852% | 5,411 |
| Noncurrent loans to loans | 0.0658% | 5,351 |
| Net loans and leases to total assets | 49.0640% | 5,011 |
| Net loans and leases to deposits | 63.3265% | 4,615 |
| Net loans and leases to core deposits | 64.9575% | 4,764 |
| Total domestic deposits to total assets | 77.4779% | 5,270 |
| Equity capital to assets | 13.7420% | 1,127 |
| Core capital (leverage) ratio | 13.1746% | 1,147 |
| Tier 1 risk-based capital ratio | 24.7092% | 882 |
| Total risk-based capital ratio | 25.3821% | 923 |
| Memoranda: | ||
| Average total assets | $345,540,500 | 1,906 |
| Average earning assets | $337,531,750 | 1,812 |
| Average equity | $47,588,750 | 1,568 |
| Average total loans | $166,935,250 | 2,401 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3500% | 5,339 |
| Cost of funding earning assets | 0.6609% | 1,043 |
| Net interest margin | 2.6892% | 5,775 |
| Noninterest income to average assets | 0.2209% | 5,383 |
| Noninterest expense to average assets | 1.0814% | 6,278 |
| Loan and lease loss provision to assets | 0.0191% | 3,748 |
| Net operating income to assets | 1.7252% | 601 |
| Return on assets (ROA) | 1.8033% | 536 |
| Pretax return on assets | 1.8253% | 853 |
| Return on Equity (ROE) | 13.0840% | 1,095 |
| Retained earnings to average equity (ytd only) | -2.6042% | 5,877 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.9837% | 6,237 |
| Assets per employee ($millions) | 8.3233% | 462 |
| Cash dividends to net income (ytd only)* | 119.9035% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6899% | 5,834 |
| Loan loss allowance to noncurrent loans | 1,023.0088% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.0867% | 5,515 |
| Noncurrent loans to loans | 0.0674% | 5,467 |
| Net loans and leases to total assets | 48.7593% | 5,033 |
| Net loans and leases to deposits | 61.9136% | 4,708 |
| Net loans and leases to core deposits | 63.5744% | 4,840 |
| Total domestic deposits to total assets | 78.7538% | 5,147 |
| Equity capital to assets | 13.5458% | 1,154 |
| Core capital (leverage) ratio | 13.1185% | 1,127 |
| Tier 1 risk-based capital ratio | 24.9553% | 865 |
| Total risk-based capital ratio | 25.6438% | 903 |
| Memoranda: | ||
| Average total assets | $344,925,000 | 1,917 |
| Average earning assets | $336,831,670 | 1,826 |
| Average equity | $47,539,000 | 1,576 |
| Average total loans | $165,374,000 | 2,430 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3327% | 5,364 |
| Cost of funding earning assets | 0.6604% | 1,045 |
| Net interest margin | 2.6723% | 5,840 |
| Noninterest income to average assets | 0.2146% | 5,414 |
| Noninterest expense to average assets | 1.0682% | 6,354 |
| Loan and lease loss provision to assets | 0.0069% | 3,620 |
| Net operating income to assets | 1.7320% | 550 |
| Return on assets (ROA) | 1.7822% | 523 |
| Pretax return on assets | 1.7995% | 865 |
| Return on Equity (ROE) | 12.8228% | 1,134 |
| Retained earnings to average equity (ytd only) | -0.8134% | 5,520 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.8268% | 6,309 |
| Assets per employee ($millions) | 8.6418% | 409 |
| Cash dividends to net income (ytd only)* | 106.3430% | 621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6886% | 5,922 |
| Loan loss allowance to noncurrent loans | 999.1150% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.0859% | 5,596 |
| Noncurrent loans to loans | 0.0689% | 5,496 |
| Net loans and leases to total assets | 47.1056% | 5,114 |
| Net loans and leases to deposits | 59.9038% | 4,751 |
| Net loans and leases to core deposits | 61.4889% | 4,873 |
| Total domestic deposits to total assets | 78.6354% | 5,331 |
| Equity capital to assets | 14.1097% | 948 |
| Core capital (leverage) ratio | 13.1750% | 1,098 |
| Tier 1 risk-based capital ratio | 25.5269% | 831 |
| Total risk-based capital ratio | 26.1603% | 878 |
| Memoranda: | ||
| Average total assets | $346,759,500 | 1,913 |
| Average earning assets | $338,581,500 | 1,815 |
| Average equity | $48,195,500 | 1,560 |
| Average total loans | $164,286,000 | 2,443 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3864% | 5,559 |
| Cost of funding earning assets | 0.7082% | 1,057 |
| Net interest margin | 2.6782% | 5,972 |
| Noninterest income to average assets | 0.1923% | 5,704 |
| Noninterest expense to average assets | 1.0584% | 6,437 |
| Loan and lease loss provision to assets | 0.0209% | 4,197 |
| Net operating income to assets | 1.7023% | 578 |
| Return on assets (ROA) | 1.7360% | 547 |
| Pretax return on assets | 1.7601% | 869 |
| Return on Equity (ROE) | 13.5276% | 1,032 |
| Retained earnings to average equity (ytd only) | 3.1036% | 4,030 |
| Net charge-offs to loans | 0.0297% | 4,231 |
| Credit loss provision to net charge-offs | 153.1915% | 1,583 |
| Earnings coverage of net charge-offs (x) | 127.7660% | 417 |
| Efficiency ratio | 37.7268% | 6,428 |
| Assets per employee ($millions) | 8.6962% | 398 |
| Cash dividends to net income (ytd only)* | 77.0571% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6822% | 6,023 |
| Loan loss allowance to noncurrent loans | 993.8053% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.0854% | 5,690 |
| Noncurrent loans to loans | 0.0686% | 5,606 |
| Net loans and leases to total assets | 47.0003% | 5,251 |
| Net loans and leases to deposits | 61.0056% | 4,806 |
| Net loans and leases to core deposits | 62.5761% | 4,957 |
| Total domestic deposits to total assets | 77.0426% | 5,596 |
| Equity capital to assets | 13.6893% | 1,077 |
| Core capital (leverage) ratio | 13.2569% | 1,038 |
| Tier 1 risk-based capital ratio | 24.9786% | 841 |
| Total risk-based capital ratio | 25.6497% | 886 |
| Memoranda: | ||
| Average total assets | $343,728,400 | 1,894 |
| Average earning assets | $335,371,800 | 1,791 |
| Average equity | $44,109,800 | 1,635 |
| Average total loans | $158,495,600 | 2,448 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3703% | 5,639 |
| Cost of funding earning assets | 0.7151% | 1,079 |
| Net interest margin | 2.6553% | 6,066 |
| Noninterest income to average assets | 0.1996% | 5,733 |
| Noninterest expense to average assets | 1.0438% | 6,519 |
| Loan and lease loss provision to assets | 0.0210% | 3,988 |
| Net operating income to assets | 1.7042% | 605 |
| Return on assets (ROA) | 1.7134% | 624 |
| Pretax return on assets | 1.7344% | 1,006 |
| Return on Equity (ROE) | 13.5819% | 1,078 |
| Retained earnings to average equity (ytd only) | -0.5983% | 5,890 |
| Net charge-offs to loans | 0.0399% | 3,706 |
| Credit loss provision to net charge-offs | 114.8936% | 1,978 |
| Earnings coverage of net charge-offs (x) | 95.4819% | 603 |
| Efficiency ratio | 37.4146% | 6,491 |
| Assets per employee ($millions) | 8.5753% | 402 |
| Cash dividends to net income (ytd only)* | 104.4051% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6890% | 6,118 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0682% | 5,883 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 46.4310% | 5,336 |
| Net loans and leases to deposits | 58.8309% | 5,029 |
| Net loans and leases to core deposits | 60.3271% | 5,167 |
| Total domestic deposits to total assets | 78.9228% | 5,342 |
| Equity capital to assets | 13.0174% | 1,414 |
| Core capital (leverage) ratio | 12.8315% | 1,254 |
| Tier 1 risk-based capital ratio | 24.6758% | 905 |
| Total risk-based capital ratio | 25.3600% | 962 |
| Memoranda: | ||
| Average total assets | $342,698,250 | 1,908 |
| Average earning assets | $334,319,000 | 1,811 |
| Average equity | $43,232,750 | 1,667 |
| Average total loans | $156,966,250 | 2,477 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3416% | 5,726 |
| Cost of funding earning assets | 0.7189% | 1,094 |
| Net interest margin | 2.6227% | 6,148 |
| Noninterest income to average assets | 0.1932% | 5,808 |
| Noninterest expense to average assets | 1.0374% | 6,587 |
| Loan and lease loss provision to assets | 0.0210% | 3,852 |
| Net operating income to assets | 1.6738% | 611 |
| Return on assets (ROA) | 1.6877% | 623 |
| Pretax return on assets | 1.7087% | 1,003 |
| Return on Equity (ROE) | 13.5220% | 1,051 |
| Retained earnings to average equity (ytd only) | -2.2778% | 6,025 |
| Net charge-offs to loans | 0.0026% | 4,300 |
| Credit loss provision to net charge-offs | 1,800.0000% | 203 |
| Earnings coverage of net charge-offs (x) | 1,469.5000% | 28 |
| Efficiency ratio | 37.6802% | 6,557 |
| Assets per employee ($millions) | 8.6356% | 383 |
| Cash dividends to net income (ytd only)* | 116.8454% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7194% | 6,139 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0677% | 5,971 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 45.2270% | 5,443 |
| Net loans and leases to deposits | 56.9495% | 5,126 |
| Net loans and leases to core deposits | 58.3751% | 5,244 |
| Total domestic deposits to total assets | 79.4159% | 5,361 |
| Equity capital to assets | 12.8052% | 1,485 |
| Core capital (leverage) ratio | 12.5343% | 1,378 |
| Tier 1 risk-based capital ratio | 24.7090% | 904 |
| Total risk-based capital ratio | 25.4128% | 944 |
| Memoranda: | ||
| Average total assets | $342,594,330 | 1,908 |
| Average earning assets | $334,391,670 | 1,801 |
| Average equity | $42,760,000 | 1,668 |
| Average total loans | $155,832,330 | 2,496 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2999% | 5,840 |
| Cost of funding earning assets | 0.7222% | 1,114 |
| Net interest margin | 2.5777% | 6,264 |
| Noninterest income to average assets | 0.1817% | 5,878 |
| Noninterest expense to average assets | 1.0681% | 6,663 |
| Loan and lease loss provision to assets | 0.0211% | 3,553 |
| Net operating income to assets | 1.5865% | 682 |
| Return on assets (ROA) | 1.6144% | 680 |
| Pretax return on assets | 1.6355% | 1,098 |
| Return on Equity (ROE) | 13.1068% | 1,135 |
| Retained earnings to average equity (ytd only) | -0.8091% | 5,695 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.6087% | 6,594 |
| Assets per employee ($millions) | 8.6323% | 383 |
| Cash dividends to net income (ytd only)* | 106.1728% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7207% | 6,250 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0678% | 6,067 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 44.5219% | 5,463 |
| Net loans and leases to deposits | 55.4656% | 5,155 |
| Net loans and leases to core deposits | 57.3714% | 5,251 |
| Total domestic deposits to total assets | 80.2694% | 5,434 |
| Equity capital to assets | 12.3151% | 1,680 |
| Core capital (leverage) ratio | 13.0629% | 1,142 |
| Tier 1 risk-based capital ratio | 25.1128% | 877 |
| Total risk-based capital ratio | 25.8096% | 914 |
| Memoranda: | ||
| Average total assets | $341,180,500 | 1,922 |
| Average earning assets | $332,857,000 | 1,812 |
| Average equity | $42,024,000 | 1,701 |
| Average total loans | $155,070,500 | 2,522 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0608% | 6,279 |
| Cost of funding earning assets | 0.7920% | 1,257 |
| Net interest margin | 2.2688% | 6,544 |
| Noninterest income to average assets | 0.2674% | 5,433 |
| Noninterest expense to average assets | 1.0201% | 6,749 |
| Loan and lease loss provision to assets | 0.0217% | 4,692 |
| Net operating income to assets | 1.4202% | 988 |
| Return on assets (ROA) | 1.4953% | 877 |
| Pretax return on assets | 1.5173% | 1,390 |
| Return on Equity (ROE) | 11.6453% | 1,537 |
| Retained earnings to average equity (ytd only) | 2.3323% | 4,586 |
| Net charge-offs to loans | -0.0007% | 5,820 |
| Credit loss provision to net charge-offs | -7,400.0000% | 6,396 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0769% | 6,671 |
| Assets per employee ($millions) | 8.4268% | 403 |
| Cash dividends to net income (ytd only)* | 79.9725% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7070% | 6,338 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0694% | 6,141 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 45.7463% | 5,514 |
| Net loans and leases to deposits | 58.3878% | 5,091 |
| Net loans and leases to core deposits | 60.4336% | 5,190 |
| Total domestic deposits to total assets | 78.3490% | 5,772 |
| Equity capital to assets | 12.3194% | 1,613 |
| Core capital (leverage) ratio | 12.9987% | 1,141 |
| Tier 1 risk-based capital ratio | 25.4409% | 816 |
| Total risk-based capital ratio | 26.1380% | 848 |
| Memoranda: | ||
| Average total assets | $340,269,200 | 1,891 |
| Average earning assets | $332,334,200 | 1,795 |
| Average equity | $43,691,400 | 1,600 |
| Average total loans | $153,229,200 | 2,518 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9868% | 6,435 |
| Cost of funding earning assets | 0.8038% | 1,297 |
| Net interest margin | 2.1830% | 6,658 |
| Noninterest income to average assets | 0.2807% | 5,438 |
| Noninterest expense to average assets | 1.0293% | 6,826 |
| Loan and lease loss provision to assets | 0.0219% | 4,566 |
| Net operating income to assets | 1.3411% | 1,241 |
| Return on assets (ROA) | 1.3940% | 1,164 |
| Pretax return on assets | 1.4163% | 1,884 |
| Return on Equity (ROE) | 10.7489% | 1,905 |
| Retained earnings to average equity (ytd only) | -1.5162% | 6,198 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6466% | 6,689 |
| Assets per employee ($millions) | 8.3696% | 398 |
| Cash dividends to net income (ytd only)* | 114.1054% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6950% | 6,449 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0699% | 6,231 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 46.0518% | 5,548 |
| Net loans and leases to deposits | 57.5964% | 5,227 |
| Net loans and leases to core deposits | 59.8390% | 5,314 |
| Total domestic deposits to total assets | 79.9560% | 5,521 |
| Equity capital to assets | 12.2554% | 1,743 |
| Core capital (leverage) ratio | 12.5790% | 1,379 |
| Tier 1 risk-based capital ratio | 24.6890% | 910 |
| Total risk-based capital ratio | 25.4058% | 958 |
| Memoranda: | ||
| Average total assets | $341,069,000 | 1,898 |
| Average earning assets | $333,234,500 | 1,800 |
| Average equity | $44,233,000 | 1,594 |
| Average total loans | $152,712,750 | 2,531 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9529% | 6,488 |
| Cost of funding earning assets | 0.8139% | 1,339 |
| Net interest margin | 2.1389% | 6,717 |
| Noninterest income to average assets | 0.3240% | 5,114 |
| Noninterest expense to average assets | 1.0432% | 6,872 |
| Loan and lease loss provision to assets | 0.0216% | 4,465 |
| Net operating income to assets | 1.3271% | 1,249 |
| Return on assets (ROA) | 1.3271% | 1,333 |
| Pretax return on assets | 1.3498% | 2,124 |
| Return on Equity (ROE) | 10.0528% | 2,179 |
| Retained earnings to average equity (ytd only) | -3.4657% | 6,353 |
| Net charge-offs to loans | -0.0013% | 5,509 |
| Credit loss provision to net charge-offs | -3,700.0000% | 6,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2054% | 6,731 |
| Assets per employee ($millions) | 8.5549% | 368 |
| Cash dividends to net income (ytd only)* | 134.4752% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7030% | 6,491 |
| Loan loss allowance to noncurrent loans | 891.5966% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.0684% | 6,299 |
| Noncurrent loans to loans | 0.0788% | 6,158 |
| Net loans and leases to total assets | 43.7933% | 5,758 |
| Net loans and leases to deposits | 56.1011% | 5,331 |
| Net loans and leases to core deposits | 58.3431% | 5,395 |
| Total domestic deposits to total assets | 78.0614% | 5,967 |
| Equity capital to assets | 12.3692% | 1,659 |
| Core capital (leverage) ratio | 12.4583% | 1,379 |
| Tier 1 risk-based capital ratio | 24.7118% | 904 |
| Total risk-based capital ratio | 25.4143% | 959 |
| Memoranda: | ||
| Average total assets | $343,164,000 | 1,900 |
| Average earning assets | $335,403,670 | 1,787 |
| Average equity | $45,301,000 | 1,562 |
| Average total loans | $151,866,000 | 2,544 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0661% | 6,441 |
| Cost of funding earning assets | 0.8433% | 1,287 |
| Net interest margin | 2.2227% | 6,744 |
| Noninterest income to average assets | 0.2747% | 5,484 |
| Noninterest expense to average assets | 1.0476% | 6,953 |
| Loan and lease loss provision to assets | 0.0221% | 4,190 |
| Net operating income to assets | 1.3525% | 1,146 |
| Return on assets (ROA) | 1.3525% | 1,237 |
| Pretax return on assets | 1.3770% | 1,929 |
| Return on Equity (ROE) | 9.9342% | 2,091 |
| Retained earnings to average equity (ytd only) | -3.7189% | 6,254 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.8164% | 6,812 |
| Assets per employee ($millions) | 8.6638% | 368 |
| Cash dividends to net income (ytd only)* | 137.4355% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6734% | 6,629 |
| Loan loss allowance to noncurrent loans | 906.0870% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.0658% | 6,405 |
| Noncurrent loans to loans | 0.0743% | 6,258 |
| Net loans and leases to total assets | 44.3499% | 5,620 |
| Net loans and leases to deposits | 55.9328% | 5,251 |
| Net loans and leases to core deposits | 58.0334% | 5,342 |
| Total domestic deposits to total assets | 79.2914% | 5,911 |
| Equity capital to assets | 13.4070% | 1,243 |
| Core capital (leverage) ratio | 12.3977% | 1,384 |
| Tier 1 risk-based capital ratio | 24.4930% | 957 |
| Total risk-based capital ratio | 25.1623% | 1,009 |
| Memoranda: | ||
| Average total assets | $343,648,000 | 1,920 |
| Average earning assets | $335,806,000 | 1,802 |
| Average equity | $46,788,000 | 1,536 |
| Average total loans | $152,339,000 | 2,548 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5452% | 6,301 |
| Cost of funding earning assets | 1.1137% | 861 |
| Net interest margin | 2.4315% | 6,757 |
| Noninterest income to average assets | 0.3014% | 5,302 |
| Noninterest expense to average assets | 0.9956% | 7,012 |
| Loan and lease loss provision to assets | 0.0222% | 5,617 |
| Net operating income to assets | 1.6303% | 717 |
| Return on assets (ROA) | 1.6887% | 707 |
| Pretax return on assets | 1.7136% | 1,100 |
| Return on Equity (ROE) | 12.2677% | 1,423 |
| Retained earnings to average equity (ytd only) | 2.7230% | 4,321 |
| Net charge-offs to loans | 0.0278% | 5,510 |
| Credit loss provision to net charge-offs | 187.5000% | 1,391 |
| Earnings coverage of net charge-offs (x) | 141.4750% | 296 |
| Efficiency ratio | 37.2547% | 6,982 |
| Assets per employee ($millions) | 8.5186% | 399 |
| Cash dividends to net income (ytd only)* | 77.8031% | 1,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6823% | 6,658 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0337% | 6,573 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 43.7036% | 5,842 |
| Net loans and leases to deposits | 55.1994% | 5,530 |
| Net loans and leases to core deposits | 57.4350% | 5,595 |
| Total domestic deposits to total assets | 79.1742% | 5,853 |
| Equity capital to assets | 13.8268% | 1,111 |
| Core capital (leverage) ratio | 12.8849% | 1,160 |
| Tier 1 risk-based capital ratio | 25.6024% | 800 |
| Total risk-based capital ratio | 26.2885% | 837 |
| Memoranda: | ||
| Average total assets | $337,481,200 | 1,918 |
| Average earning assets | $329,092,000 | 1,798 |
| Average equity | $46,455,400 | 1,502 |
| Average total loans | $143,651,000 | 2,672 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6240% | 6,360 |
| Cost of funding earning assets | 1.1637% | 820 |
| Net interest margin | 2.4603% | 6,853 |
| Noninterest income to average assets | 0.2851% | 5,505 |
| Noninterest expense to average assets | 0.9790% | 7,122 |
| Loan and lease loss provision to assets | 0.0099% | 5,684 |
| Net operating income to assets | 1.6701% | 736 |
| Return on assets (ROA) | 1.6701% | 817 |
| Pretax return on assets | 1.6950% | 1,283 |
| Return on Equity (ROE) | 12.1461% | 1,587 |
| Retained earnings to average equity (ytd only) | -0.6221% | 6,206 |
| Net charge-offs to loans | 0.0188% | 5,406 |
| Credit loss provision to net charge-offs | 125.0000% | 2,306 |
| Earnings coverage of net charge-offs (x) | 215.2178% | 210 |
| Efficiency ratio | 36.4763% | 7,067 |
| Assets per employee ($millions) | 8.5477% | 386 |
| Cash dividends to net income (ytd only)* | 105.1221% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6818% | 6,772 |
| Loan loss allowance to noncurrent loans | 2,256.8182% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.0401% | 6,666 |
| Noncurrent loans to loans | 0.0302% | 6,548 |
| Net loans and leases to total assets | 42.3043% | 6,102 |
| Net loans and leases to deposits | 54.2466% | 5,793 |
| Net loans and leases to core deposits | 56.4680% | 5,854 |
| Total domestic deposits to total assets | 77.9852% | 6,080 |
| Equity capital to assets | 13.6362% | 1,291 |
| Core capital (leverage) ratio | 12.3672% | 1,462 |
| Tier 1 risk-based capital ratio | 24.5364% | 948 |
| Total risk-based capital ratio | 25.1949% | 1,012 |
| Memoranda: | ||
| Average total assets | $336,665,250 | 1,938 |
| Average earning assets | $328,245,500 | 1,831 |
| Average equity | $46,290,750 | 1,520 |
| Average total loans | $142,078,500 | 2,728 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6721% | 6,382 |
| Cost of funding earning assets | 1.2159% | 766 |
| Net interest margin | 2.4562% | 6,925 |
| Noninterest income to average assets | 0.2848% | 5,537 |
| Noninterest expense to average assets | 0.9811% | 7,192 |
| Loan and lease loss provision to assets | 0.0102% | 5,533 |
| Net operating income to assets | 1.6619% | 731 |
| Return on assets (ROA) | 1.6619% | 817 |
| Pretax return on assets | 1.6870% | 1,298 |
| Return on Equity (ROE) | 12.0528% | 1,649 |
| Retained earnings to average equity (ytd only) | -2.7848% | 6,443 |
| Net charge-offs to loans | 0.0298% | 4,962 |
| Credit loss provision to net charge-offs | 80.9524% | 3,293 |
| Earnings coverage of net charge-offs (x) | 135.3333% | 329 |
| Efficiency ratio | 36.6332% | 7,115 |
| Assets per employee ($millions) | 8.6359% | 365 |
| Cash dividends to net income (ytd only)* | 123.1046% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6819% | 6,844 |
| Loan loss allowance to noncurrent loans | 993.9394% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.0556% | 6,683 |
| Noncurrent loans to loans | 0.0686% | 6,498 |
| Net loans and leases to total assets | 41.4873% | 6,231 |
| Net loans and leases to deposits | 52.8795% | 5,965 |
| Net loans and leases to core deposits | 55.0022% | 6,020 |
| Total domestic deposits to total assets | 78.4562% | 6,067 |
| Equity capital to assets | 13.3889% | 1,344 |
| Core capital (leverage) ratio | 12.4619% | 1,368 |
| Tier 1 risk-based capital ratio | 23.8667% | 1,030 |
| Total risk-based capital ratio | 24.4948% | 1,086 |
| Memoranda: | ||
| Average total assets | $334,918,330 | 1,943 |
| Average earning assets | $326,352,330 | 1,838 |
| Average equity | $46,180,000 | 1,510 |
| Average total loans | $140,893,330 | 2,757 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8468% | 6,148 |
| Cost of funding earning assets | 1.2652% | 731 |
| Net interest margin | 2.5815% | 6,886 |
| Noninterest income to average assets | 0.2548% | 5,819 |
| Noninterest expense to average assets | 0.9889% | 7,256 |
| Loan and lease loss provision to assets | 0.0097% | 5,175 |
| Net operating income to assets | 1.7485% | 663 |
| Return on assets (ROA) | 1.7485% | 739 |
| Pretax return on assets | 1.7740% | 1,135 |
| Return on Equity (ROE) | 12.4911% | 1,531 |
| Retained earnings to average equity (ytd only) | -10.9914% | 6,867 |
| Net charge-offs to loans | 0.0632% | 3,861 |
| Credit loss provision to net charge-offs | 36.3636% | 3,508 |
| Earnings coverage of net charge-offs (x) | 66.8182% | 501 |
| Efficiency ratio | 35.6674% | 7,184 |
| Assets per employee ($millions) | 8.3057% | 423 |
| Cash dividends to net income (ytd only)* | 187.9944% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6986% | 6,876 |
| Loan loss allowance to noncurrent loans | 1,770.9091% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.0451% | 6,795 |
| Noncurrent loans to loans | 0.0394% | 6,658 |
| Net loans and leases to total assets | 41.6712% | 6,224 |
| Net loans and leases to deposits | 52.9328% | 5,905 |
| Net loans and leases to core deposits | 54.1620% | 6,043 |
| Total domestic deposits to total assets | 78.7248% | 6,140 |
| Equity capital to assets | 13.6548% | 1,172 |
| Core capital (leverage) ratio | 12.5794% | 1,304 |
| Tier 1 risk-based capital ratio | 24.2285% | 983 |
| Total risk-based capital ratio | 24.8837% | 1,033 |
| Memoranda: | ||
| Average total assets | $329,659,500 | 1,975 |
| Average earning assets | $321,517,500 | 1,873 |
| Average equity | $46,145,000 | 1,509 |
| Average total loans | $139,192,000 | 2,796 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0577% | 6,346 |
| Cost of funding earning assets | 1.5152% | 673 |
| Net interest margin | 2.5424% | 7,034 |
| Noninterest income to average assets | 0.2351% | 5,855 |
| Noninterest expense to average assets | 1.0442% | 7,292 |
| Loan and lease loss provision to assets | 0.0093% | 6,419 |
| Net operating income to assets | 1.6371% | 624 |
| Return on assets (ROA) | 1.7425% | 549 |
| Pretax return on assets | 1.7607% | 877 |
| Return on Equity (ROE) | 12.4569% | 1,290 |
| Retained earnings to average equity (ytd only) | 2.6320% | 4,353 |
| Net charge-offs to loans | -0.0008% | 6,787 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,923 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.5626% | 7,227 |
| Assets per employee ($millions) | 8.1773% | 443 |
| Cash dividends to net income (ytd only)* | 78.8707% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7110% | 6,890 |
| Loan loss allowance to noncurrent loans | 844.4444% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.0358% | 6,878 |
| Noncurrent loans to loans | 0.0842% | 6,598 |
| Net loans and leases to total assets | 42.1835% | 6,371 |
| Net loans and leases to deposits | 54.4881% | 6,022 |
| Net loans and leases to core deposits | 55.9632% | 6,162 |
| Total domestic deposits to total assets | 77.4180% | 6,278 |
| Equity capital to assets | 14.3461% | 952 |
| Core capital (leverage) ratio | 13.0002% | 1,139 |
| Tier 1 risk-based capital ratio | 25.1226% | 857 |
| Total risk-based capital ratio | 25.7773% | 908 |
| Memoranda: | ||
| Average total assets | $323,222,600 | 1,993 |
| Average earning assets | $314,343,800 | 1,877 |
| Average equity | $45,212,000 | 1,506 |
| Average total loans | $131,111,200 | 2,969 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0962% | 6,424 |
| Cost of funding earning assets | 1.5712% | 661 |
| Net interest margin | 2.5251% | 7,121 |
| Noninterest income to average assets | 0.2379% | 5,924 |
| Noninterest expense to average assets | 1.0608% | 7,367 |
| Loan and lease loss provision to assets | 0.0091% | 6,320 |
| Net operating income to assets | 1.6050% | 766 |
| Return on assets (ROA) | 1.6926% | 705 |
| Pretax return on assets | 1.7108% | 1,120 |
| Return on Equity (ROE) | 12.1797% | 1,496 |
| Retained earnings to average equity (ytd only) | -1.0450% | 6,162 |
| Net charge-offs to loans | -0.0010% | 6,656 |
| Credit loss provision to net charge-offs | -2,200.0000% | 6,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.4037% | 7,273 |
| Assets per employee ($millions) | 8.1980% | 438 |
| Cash dividends to net income (ytd only)* | 108.5798% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7474% | 6,902 |
| Loan loss allowance to noncurrent loans | 823.5294% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.0363% | 6,963 |
| Noncurrent loans to loans | 0.0908% | 6,709 |
| Net loans and leases to total assets | 39.6872% | 6,660 |
| Net loans and leases to deposits | 51.4676% | 6,410 |
| Net loans and leases to core deposits | 52.7536% | 6,523 |
| Total domestic deposits to total assets | 77.1111% | 6,362 |
| Equity capital to assets | 14.1596% | 1,093 |
| Core capital (leverage) ratio | 12.5654% | 1,407 |
| Tier 1 risk-based capital ratio | 25.0838% | 904 |
| Total risk-based capital ratio | 25.7537% | 941 |
| Memoranda: | ||
| Average total assets | $322,255,250 | 2,004 |
| Average earning assets | $313,222,000 | 1,888 |
| Average equity | $44,783,750 | 1,518 |
| Average total loans | $129,147,250 | 3,025 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0815% | 6,529 |
| Cost of funding earning assets | 1.6254% | 632 |
| Net interest margin | 2.4561% | 7,212 |
| Noninterest income to average assets | 0.2216% | 6,089 |
| Noninterest expense to average assets | 1.0756% | 7,443 |
| Loan and lease loss provision to assets | 0.0094% | 6,147 |
| Net operating income to assets | 1.5082% | 871 |
| Return on assets (ROA) | 1.6281% | 736 |
| Pretax return on assets | 1.6462% | 1,161 |
| Return on Equity (ROE) | 11.7917% | 1,559 |
| Retained earnings to average equity (ytd only) | -3.3503% | 6,411 |
| Net charge-offs to loans | -0.0016% | 6,522 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,648 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2102% | 7,316 |
| Assets per employee ($millions) | 8.1488% | 430 |
| Cash dividends to net income (ytd only)* | 128.4126% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7548% | 6,948 |
| Loan loss allowance to noncurrent loans | 831.6239% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.0359% | 7,010 |
| Noncurrent loans to loans | 0.0908% | 6,751 |
| Net loans and leases to total assets | 39.2476% | 6,786 |
| Net loans and leases to deposits | 50.0323% | 6,592 |
| Net loans and leases to core deposits | 51.2622% | 6,703 |
| Total domestic deposits to total assets | 78.4446% | 6,201 |
| Equity capital to assets | 13.9742% | 1,103 |
| Core capital (leverage) ratio | 12.2524% | 1,478 |
| Tier 1 risk-based capital ratio | 25.5216% | 850 |
| Total risk-based capital ratio | 26.2295% | 892 |
| Memoranda: | ||
| Average total assets | $320,367,330 | 2,019 |
| Average earning assets | $311,553,000 | 1,908 |
| Average equity | $44,234,330 | 1,521 |
| Average total loans | $128,489,000 | 3,066 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0967% | 6,507 |
| Cost of funding earning assets | 1.6420% | 695 |
| Net interest margin | 2.4546% | 7,224 |
| Noninterest income to average assets | 0.2632% | 5,785 |
| Noninterest expense to average assets | 1.1059% | 7,503 |
| Loan and lease loss provision to assets | 0.0088% | 5,786 |
| Net operating income to assets | 1.5218% | 839 |
| Return on assets (ROA) | 1.5492% | 814 |
| Pretax return on assets | 1.5618% | 1,275 |
| Return on Equity (ROE) | 11.2904% | 1,647 |
| Retained earnings to average equity (ytd only) | -4.1582% | 6,434 |
| Net charge-offs to loans | -0.0031% | 6,203 |
| Credit loss provision to net charge-offs | -700.0000% | 6,034 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7499% | 7,349 |
| Assets per employee ($millions) | 8.0346% | 466 |
| Cash dividends to net income (ytd only)* | 136.8293% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7601% | 6,988 |
| 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 | 39.2038% | 6,836 |
| Net loans and leases to deposits | 50.0616% | 6,617 |
| Net loans and leases to core deposits | 51.3068% | 6,717 |
| Total domestic deposits to total assets | 78.3112% | 6,333 |
| Equity capital to assets | 13.5166% | 1,176 |
| Core capital (leverage) ratio | 12.6937% | 1,246 |
| Tier 1 risk-based capital ratio | 26.0483% | 784 |
| Total risk-based capital ratio | 26.7515% | 811 |
| Memoranda: | ||
| Average total assets | $317,575,500 | 2,054 |
| Average earning assets | $308,640,000 | 1,930 |
| Average equity | $43,577,000 | 1,526 |
| Average total loans | $128,283,000 | 3,098 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6963% | 5,818 |
| Cost of funding earning assets | 1.8317% | 1,055 |
| Net interest margin | 2.8646% | 6,947 |
| Noninterest income to average assets | 0.2576% | 5,959 |
| Noninterest expense to average assets | 1.1165% | 7,563 |
| Loan and lease loss provision to assets | 0.0096% | 6,990 |
| Net operating income to assets | 1.9113% | 329 |
| Return on assets (ROA) | 1.9308% | 337 |
| Pretax return on assets | 1.9352% | 560 |
| Return on Equity (ROE) | 13.8956% | 905 |
| Retained earnings to average equity (ytd only) | 3.7194% | 3,263 |
| Net charge-offs to loans | 0.0188% | 6,625 |
| Credit loss provision to net charge-offs | 125.0000% | 3,271 |
| Earnings coverage of net charge-offs (x) | 251.6250% | 91 |
| Efficiency ratio | 36.7047% | 7,541 |
| Assets per employee ($millions) | 7.8442% | 510 |
| Cash dividends to net income (ytd only)* | 73.2332% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7384% | 7,069 |
| 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 | 41.0015% | 6,901 |
| Net loans and leases to deposits | 52.8578% | 6,682 |
| Net loans and leases to core deposits | 54.3288% | 6,794 |
| Total domestic deposits to total assets | 77.5695% | 6,386 |
| Equity capital to assets | 13.9319% | 1,056 |
| Core capital (leverage) ratio | 13.0261% | 1,119 |
| Tier 1 risk-based capital ratio | 25.8376% | 771 |
| Total risk-based capital ratio | 26.5071% | 803 |
| Memoranda: | ||
| Average total assets | $313,657,800 | 2,068 |
| Average earning assets | $304,860,000 | 1,951 |
| Average equity | $43,582,000 | 1,526 |
| Average total loans | $127,344,800 | 3,171 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7033% | 6,005 |
| Cost of funding earning assets | 1.8685% | 1,143 |
| Net interest margin | 2.8348% | 7,096 |
| Noninterest income to average assets | 0.2389% | 6,178 |
| Noninterest expense to average assets | 1.1002% | 7,682 |
| Loan and lease loss provision to assets | 0.0098% | 6,925 |
| Net operating income to assets | 1.8769% | 430 |
| Return on assets (ROA) | 1.8977% | 456 |
| Pretax return on assets | 1.9037% | 764 |
| Return on Equity (ROE) | 13.6670% | 1,106 |
| Retained earnings to average equity (ytd only) | 0.0888% | 5,742 |
| Net charge-offs to loans | -0.0010% | 7,168 |
| Credit loss provision to net charge-offs | -2,300.0000% | 7,146 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.7614% | 7,629 |
| Assets per employee ($millions) | 7.9254% | 522 |
| Cash dividends to net income (ytd only)* | 99.3505% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7613% | 7,081 |
| Loan loss allowance to noncurrent loans | 911.2150% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.0338% | 7,274 |
| Noncurrent loans to loans | 0.0835% | 7,028 |
| Net loans and leases to total assets | 40.0931% | 7,068 |
| Net loans and leases to deposits | 52.2228% | 6,884 |
| Net loans and leases to core deposits | 53.7705% | 6,967 |
| Total domestic deposits to total assets | 76.7730% | 6,537 |
| Equity capital to assets | 14.0713% | 1,146 |
| Core capital (leverage) ratio | 12.5481% | 1,385 |
| Tier 1 risk-based capital ratio | 25.0707% | 859 |
| Total risk-based capital ratio | 25.7672% | 874 |
| Memoranda: | ||
| Average total assets | $313,630,000 | 2,102 |
| Average earning assets | $304,685,000 | 1,979 |
| Average equity | $43,549,000 | 1,532 |
| Average total loans | $126,779,250 | 3,237 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7236% | 6,065 |
| Cost of funding earning assets | 1.8983% | 1,244 |
| Net interest margin | 2.8253% | 7,112 |
| Noninterest income to average assets | 0.2010% | 6,468 |
| Noninterest expense to average assets | 1.1002% | 7,755 |
| Loan and lease loss provision to assets | 0.0096% | 6,808 |
| Net operating income to assets | 1.8227% | 466 |
| Return on assets (ROA) | 1.8227% | 504 |
| Pretax return on assets | 1.8317% | 835 |
| Return on Equity (ROE) | 13.1864% | 1,195 |
| Retained earnings to average equity (ytd only) | -1.7178% | 6,103 |
| Net charge-offs to loans | -0.0016% | 7,064 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,940 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.4021% | 7,681 |
| Assets per employee ($millions) | 7.9127% | 521 |
| Cash dividends to net income (ytd only)* | 113.0267% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7621% | 7,116 |
| Loan loss allowance to noncurrent loans | 929.8077% | 367 |
| Noncurrent assets plus other real estate owned to assets | 0.0329% | 7,315 |
| Noncurrent loans to loans | 0.0820% | 7,103 |
| Net loans and leases to total assets | 39.7841% | 7,176 |
| Net loans and leases to deposits | 51.9230% | 6,980 |
| Net loans and leases to core deposits | 53.5406% | 7,058 |
| Total domestic deposits to total assets | 76.6213% | 6,581 |
| Equity capital to assets | 13.9353% | 1,182 |
| Core capital (leverage) ratio | 12.2586% | 1,514 |
| Tier 1 risk-based capital ratio | 25.0386% | 840 |
| Total risk-based capital ratio | 25.7252% | 876 |
| Memoranda: | ||
| Average total assets | $312,501,670 | 2,137 |
| Average earning assets | $303,119,000 | 2,008 |
| Average equity | $43,196,000 | 1,536 |
| Average total loans | $126,347,000 | 3,272 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8098% | 5,860 |
| Cost of funding earning assets | 1.9133% | 1,393 |
| Net interest margin | 2.8965% | 7,024 |
| Noninterest income to average assets | 0.2087% | 6,464 |
| Noninterest expense to average assets | 1.1118% | 7,853 |
| Loan and lease loss provision to assets | 0.0090% | 6,510 |
| Net operating income to assets | 1.8654% | 433 |
| Return on assets (ROA) | 1.8654% | 474 |
| Pretax return on assets | 1.8924% | 742 |
| Return on Equity (ROE) | 13.5514% | 1,132 |
| Retained earnings to average equity (ytd only) | -0.0468% | 5,840 |
| Net charge-offs to loans | -0.0032% | 6,779 |
| Credit loss provision to net charge-offs | -700.0000% | 6,322 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.8961% | 7,783 |
| Assets per employee ($millions) | 7.8673% | 541 |
| Cash dividends to net income (ytd only)* | 100.3453% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7614% | 7,216 |
| 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 | 39.7212% | 7,265 |
| Net loans and leases to deposits | 51.4518% | 7,064 |
| Net loans and leases to core deposits | 53.1156% | 7,151 |
| Total domestic deposits to total assets | 77.2008% | 6,517 |
| Equity capital to assets | 13.8253% | 1,199 |
| Core capital (leverage) ratio | 12.6464% | 1,350 |
| Tier 1 risk-based capital ratio | 25.1577% | 845 |
| Total risk-based capital ratio | 25.8514% | 881 |
| Memoranda: | ||
| Average total assets | $310,499,500 | 2,193 |
| Average earning assets | $300,634,000 | 2,073 |
| Average equity | $42,741,000 | 1,565 |
| Average total loans | $126,077,500 | 3,343 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2402% | 5,461 |
| Cost of funding earning assets | 2.1516% | 2,229 |
| Net interest margin | 3.0885% | 6,402 |
| Noninterest income to average assets | 0.2536% | 6,289 |
| Noninterest expense to average assets | 1.0926% | 7,934 |
| Loan and lease loss provision to assets | 0.0098% | 7,379 |
| Net operating income to assets | 2.1267% | 174 |
| Return on assets (ROA) | 2.1510% | 180 |
| Pretax return on assets | 2.1761% | 290 |
| Return on Equity (ROE) | 15.9900% | 557 |
| Retained earnings to average equity (ytd only) | 3.4401% | 2,760 |
| Net charge-offs to loans | 0.0134% | 7,034 |
| Credit loss provision to net charge-offs | 176.4706% | 2,374 |
| Earnings coverage of net charge-offs (x) | 389.5882% | 73 |
| Efficiency ratio | 33.5774% | 7,917 |
| Assets per employee ($millions) | 7.6577% | 588 |
| Cash dividends to net income (ytd only)* | 78.4858% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7536% | 7,252 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 40.8889% | 7,311 |
| Net loans and leases to deposits | 53.6349% | 7,076 |
| Net loans and leases to core deposits | 61.8908% | 7,195 |
| Total domestic deposits to total assets | 76.2357% | 6,633 |
| Equity capital to assets | 13.7035% | 1,252 |
| Core capital (leverage) ratio | 12.9781% | 1,260 |
| Tier 1 risk-based capital ratio | 25.3230% | 816 |
| Total risk-based capital ratio | 26.0076% | 848 |
| Memoranda: | ||
| Average total assets | $306,421,400 | 2,177 |
| Average earning assets | $297,681,800 | 2,089 |
| Average equity | $41,219,400 | 1,623 |
| Average total loans | $127,331,800 | 3,320 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3357% | 5,246 |
| Cost of funding earning assets | 2.2149% | 2,336 |
| Net interest margin | 3.1209% | 6,255 |
| Noninterest income to average assets | 0.2684% | 6,315 |
| Noninterest expense to average assets | 1.0503% | 8,025 |
| Loan and lease loss provision to assets | 0.0100% | 7,229 |
| Net operating income to assets | 2.2175% | 172 |
| Return on assets (ROA) | 2.2498% | 180 |
| Pretax return on assets | 2.2742% | 302 |
| Return on Equity (ROE) | 16.8033% | 566 |
| Retained earnings to average equity (ytd only) | -0.0065% | 5,210 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.8092% | 7,999 |
| Assets per employee ($millions) | 7.5706% | 613 |
| Cash dividends to net income (ytd only)* | 100.0387% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7539% | 7,251 |
| Loan loss allowance to noncurrent loans | 1,079.7753% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.0294% | 7,508 |
| Noncurrent loans to loans | 0.0698% | 7,324 |
| Net loans and leases to total assets | 41.7746% | 7,378 |
| Net loans and leases to deposits | 54.4033% | 7,182 |
| Net loans and leases to core deposits | 62.4344% | 7,309 |
| Total domestic deposits to total assets | 76.7869% | 6,395 |
| Equity capital to assets | 13.8060% | 1,373 |
| Core capital (leverage) ratio | 12.4825% | 1,590 |
| Tier 1 risk-based capital ratio | 24.2339% | 975 |
| Total risk-based capital ratio | 24.9002% | 1,013 |
| Memoranda: | ||
| Average total assets | $306,449,750 | 2,190 |
| Average earning assets | $297,858,750 | 2,107 |
| Average equity | $41,030,500 | 1,648 |
| Average total loans | $127,615,500 | 3,345 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4232% | 5,025 |
| Cost of funding earning assets | 2.2832% | 2,436 |
| Net interest margin | 3.1400% | 6,124 |
| Noninterest income to average assets | 0.2854% | 6,225 |
| Noninterest expense to average assets | 1.0167% | 8,121 |
| Loan and lease loss provision to assets | 0.0098% | 7,109 |
| Net operating income to assets | 2.2816% | 167 |
| Return on assets (ROA) | 2.3299% | 166 |
| Pretax return on assets | 2.3526% | 275 |
| Return on Equity (ROE) | 17.5810% | 527 |
| Retained earnings to average equity (ytd only) | -1.7267% | 5,673 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.5290% | 8,100 |
| Assets per employee ($millions) | 7.6852% | 567 |
| Cash dividends to net income (ytd only)* | 109.8214% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7498% | 7,300 |
| Loan loss allowance to noncurrent loans | 474.1294% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.0654% | 7,428 |
| Noncurrent loans to loans | 0.1581% | 7,128 |
| Net loans and leases to total assets | 41.0348% | 7,502 |
| Net loans and leases to deposits | 53.7094% | 7,289 |
| Net loans and leases to core deposits | 61.5022% | 7,395 |
| Total domestic deposits to total assets | 76.4016% | 6,466 |
| Equity capital to assets | 13.1558% | 1,636 |
| Core capital (leverage) ratio | 11.9734% | 1,841 |
| Tier 1 risk-based capital ratio | 23.8614% | 1,051 |
| Total risk-based capital ratio | 24.5147% | 1,090 |
| Memoranda: | ||
| Average total assets | $307,658,000 | 2,215 |
| Average earning assets | $298,348,000 | 2,125 |
| Average equity | $40,771,330 | 1,664 |
| Average total loans | $127,665,670 | 3,387 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5457% | 4,660 |
| Cost of funding earning assets | 2.3619% | 2,457 |
| Net interest margin | 3.1838% | 5,908 |
| Noninterest income to average assets | 0.3054% | 5,999 |
| Noninterest expense to average assets | 0.9383% | 8,179 |
| Loan and lease loss provision to assets | 0.0091% | 6,702 |
| Net operating income to assets | 2.4118% | 154 |
| Return on assets (ROA) | 2.5083% | 164 |
| Pretax return on assets | 2.5265% | 245 |
| Return on Equity (ROE) | 18.8587% | 517 |
| Retained earnings to average equity (ytd only) | 3.8401% | 3,755 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.7906% | 8,162 |
| Assets per employee ($millions) | 7.7803% | 550 |
| Cash dividends to net income (ytd only)* | 79.6373% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7508% | 7,308 |
| Loan loss allowance to noncurrent loans | 744.0945% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.0408% | 7,490 |
| Noncurrent loans to loans | 0.1009% | 7,241 |
| Net loans and leases to total assets | 40.1378% | 7,558 |
| Net loans and leases to deposits | 52.2710% | 7,388 |
| Net loans and leases to core deposits | 60.1560% | 7,449 |
| Total domestic deposits to total assets | 76.7879% | 6,339 |
| Equity capital to assets | 13.1910% | 1,662 |
| Core capital (leverage) ratio | 12.6677% | 1,617 |
| Tier 1 risk-based capital ratio | 24.5469% | 1,019 |
| Total risk-based capital ratio | 25.1845% | 1,064 |
| Memoranda: | ||
| Average total assets | $307,783,500 | 2,228 |
| Average earning assets | $296,878,500 | 2,143 |
| Average equity | $40,936,000 | 1,657 |
| Average total loans | $127,950,000 | 3,414 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8395% | 6,302 |
| Cost of funding earning assets | 2.8873% | 2,321 |
| Net interest margin | 2.9522% | 7,022 |
| Noninterest income to average assets | 0.2039% | 6,985 |
| Noninterest expense to average assets | 0.9860% | 8,207 |
| Loan and lease loss provision to assets | 0.0338% | 6,983 |
| Net operating income to assets | 2.0369% | 322 |
| Return on assets (ROA) | 2.0429% | 302 |
| Pretax return on assets | 2.0429% | 542 |
| Return on Equity (ROE) | 16.1601% | 748 |
| Retained earnings to average equity (ytd only) | 4.5763% | 2,278 |
| Net charge-offs to loans | 0.0714% | 5,745 |
| Credit loss provision to net charge-offs | 113.3333% | 4,761 |
| Earnings coverage of net charge-offs (x) | 69.4000% | 589 |
| Efficiency ratio | 32.2560% | 8,220 |
| Assets per employee ($millions) | 7.6089% | 542 |
| Cash dividends to net income (ytd only)* | 71.6813% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7213% | 7,371 |
| Loan loss allowance to noncurrent loans | 3,126.6667% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.0099% | 7,588 |
| Noncurrent loans to loans | 0.0231% | 7,425 |
| Net loans and leases to total assets | 42.4187% | 7,562 |
| Net loans and leases to deposits | 55.7257% | 7,339 |
| Net loans and leases to core deposits | 64.4632% | 7,425 |
| Total domestic deposits to total assets | 76.1206% | 6,209 |
| Equity capital to assets | 13.4120% | 1,626 |
| Core capital (leverage) ratio | 12.3511% | 1,805 |
| Tier 1 risk-based capital ratio | 24.5124% | 1,031 |
| Total risk-based capital ratio | 25.1675% | 1,074 |
| Memoranda: | ||
| Average total assets | $301,633,200 | 2,197 |
| Average earning assets | $291,481,200 | 2,099 |
| Average equity | $38,131,000 | 1,771 |
| Average total loans | $126,095,800 | 3,330 |