Home > Horizon Bank > Performance and Condition Ratios
Horizon 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 | 5.6069% | 1,027 |
| Cost of funding earning assets | 0.9236% | 3,469 |
| Net interest margin | 4.6833% | 483 |
| Noninterest income to average assets | -0.1700% | 4,588 |
| Noninterest expense to average assets | 1.5328% | 4,311 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 2.3826% | 270 |
| Return on assets (ROA) | 2.4080% | 261 |
| Pretax return on assets | 2.6705% | 288 |
| Return on Equity (ROE) | 15.4300% | 1,203 |
| Retained earnings to average equity (ytd only) | 2.4613% | 3,457 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 33.2519% | 4,471 |
| Assets per employee ($millions) | 15.8159% | 181 |
| Cash dividends to net income (ytd only)* | 84.0462% | 491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5225% | 4,320 |
| Loan loss allowance to noncurrent loans | 75.1520% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 0.5391% | 1,035 |
| Noncurrent loans to loans | 0.6952% | 1,129 |
| Net loans and leases to total assets | 77.1400% | 959 |
| Net loans and leases to deposits | 99.4914% | 564 |
| Net loans and leases to core deposits | 121.1376% | 588 |
| Total domestic deposits to total assets | 77.5300% | 3,782 |
| Equity capital to assets | 14.8744% | 563 |
| Core capital (leverage) ratio | 13.6630% | 872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2539% | 1,781 |
| Memoranda: | ||
| Average total assets | $417,526,600 | 1,962 |
| Average earning assets | $390,660,600 | 1,951 |
| Average equity | $65,169,000 | 1,315 |
| Average total loans | $310,891,800 | 1,752 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4641% | 1,059 |
| Cost of funding earning assets | 0.8285% | 3,455 |
| Net interest margin | 4.6356% | 503 |
| Noninterest income to average assets | -0.1700% | 4,618 |
| Noninterest expense to average assets | 1.4478% | 4,355 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 2.4213% | 287 |
| Return on assets (ROA) | 2.4447% | 275 |
| Pretax return on assets | 2.7077% | 307 |
| Return on Equity (ROE) | 15.4800% | 1,353 |
| Retained earnings to average equity (ytd only) | 13.5441% | 737 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 31.6009% | 4,503 |
| Assets per employee ($millions) | 15.0593% | 192 |
| Cash dividends to net income (ytd only)* | 12.4803% | 2,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5252% | 4,334 |
| Loan loss allowance to noncurrent loans | 71.5510% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 0.5535% | 1,057 |
| Noncurrent loans to loans | 0.7340% | 1,124 |
| Net loans and leases to total assets | 75.0100% | 1,234 |
| Net loans and leases to deposits | 94.8996% | 827 |
| Net loans and leases to core deposits | 113.3523% | 758 |
| Total domestic deposits to total assets | 79.0500% | 3,687 |
| Equity capital to assets | 16.7971% | 406 |
| Core capital (leverage) ratio | 15.1716% | 599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1094% | 1,293 |
| Memoranda: | ||
| Average total assets | $415,151,000 | 1,972 |
| Average earning assets | $388,343,750 | 1,956 |
| Average equity | $65,581,750 | 1,299 |
| Average total loans | $305,833,500 | 1,776 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3400% | 1,029 |
| Cost of funding earning assets | 0.7330% | 3,400 |
| Net interest margin | 4.6071% | 517 |
| Noninterest income to average assets | -0.1700% | 4,650 |
| Noninterest expense to average assets | 1.4325% | 4,386 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 2.4611% | 255 |
| Return on assets (ROA) | 2.4883% | 246 |
| Pretax return on assets | 2.7120% | 282 |
| Return on Equity (ROE) | 16.1000% | 1,248 |
| Retained earnings to average equity (ytd only) | 14.6883% | 597 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 31.3778% | 4,532 |
| Assets per employee ($millions) | 14.6890% | 208 |
| Cash dividends to net income (ytd only)* | 8.7583% | 2,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5229% | 4,363 |
| Loan loss allowance to noncurrent loans | 69.2900% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 0.5685% | 954 |
| Noncurrent loans to loans | 0.7546% | 1,002 |
| Net loans and leases to total assets | 74.9400% | 1,171 |
| Net loans and leases to deposits | 93.8547% | 881 |
| Net loans and leases to core deposits | 110.7321% | 795 |
| Total domestic deposits to total assets | 79.8400% | 3,602 |
| Equity capital to assets | 16.1114% | 433 |
| Core capital (leverage) ratio | 14.7307% | 626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2547% | 1,269 |
| Memoranda: | ||
| Average total assets | $412,981,000 | 1,975 |
| Average earning assets | $386,928,000 | 1,955 |
| Average equity | $63,833,333 | 1,324 |
| Average total loans | $301,786,667 | 1,777 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3312% | 796 |
| Cost of funding earning assets | 0.6316% | 3,287 |
| Net interest margin | 4.6996% | 442 |
| Noninterest income to average assets | -0.1700% | 4,667 |
| Noninterest expense to average assets | 1.4528% | 4,428 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 2.5131% | 238 |
| Return on assets (ROA) | 2.5421% | 229 |
| Pretax return on assets | 2.7789% | 257 |
| Return on Equity (ROE) | 16.8000% | 1,210 |
| Retained earnings to average equity (ytd only) | 16.8004% | 614 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 31.2229% | 4,597 |
| Assets per employee ($millions) | 13.6468% | 267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5332% | 4,416 |
| Loan loss allowance to noncurrent loans | 245.7496% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 0.1580% | 2,397 |
| Noncurrent loans to loans | 0.2170% | 2,392 |
| Net loans and leases to total assets | 72.4400% | 1,381 |
| Net loans and leases to deposits | 89.6572% | 1,081 |
| Net loans and leases to core deposits | 104.6033% | 890 |
| Total domestic deposits to total assets | 80.8000% | 3,665 |
| Equity capital to assets | 15.5155% | 437 |
| Core capital (leverage) ratio | 14.1962% | 707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7939% | 1,190 |
| Memoranda: | ||
| Average total assets | $413,825,500 | 1,993 |
| Average earning assets | $387,606,500 | 1,977 |
| Average equity | $62,617,500 | 1,354 |
| Average total loans | $297,763,000 | 1,800 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9140% | 357 |
| Cost of funding earning assets | 0.6170% | 837 |
| Net interest margin | 4.2970% | 428 |
| Noninterest income to average assets | -0.1500% | 4,701 |
| Noninterest expense to average assets | 1.6194% | 4,283 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 2.0116% | 293 |
| Return on assets (ROA) | 2.0309% | 272 |
| Pretax return on assets | 2.2482% | 290 |
| Return on Equity (ROE) | 13.7700% | 1,582 |
| Retained earnings to average equity (ytd only) | 3.6432% | 3,525 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 38.4218% | 4,573 |
| Assets per employee ($millions) | 13.4919% | 274 |
| Cash dividends to net income (ytd only)* | 73.5384% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5246% | 4,414 |
| Loan loss allowance to noncurrent loans | 103.1064% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 0.3617% | 1,415 |
| Noncurrent loans to loans | 0.5088% | 1,430 |
| Net loans and leases to total assets | 70.7200% | 1,560 |
| Net loans and leases to deposits | 92.1818% | 904 |
| Net loans and leases to core deposits | 106.1530% | 740 |
| Total domestic deposits to total assets | 76.7200% | 4,202 |
| Equity capital to assets | 14.7554% | 496 |
| Core capital (leverage) ratio | 13.4254% | 833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7060% | 1,432 |
| Memoranda: | ||
| Average total assets | $401,742,200 | 2,028 |
| Average earning assets | $374,538,400 | 2,009 |
| Average equity | $59,260,800 | 1,418 |
| Average total loans | $292,171,400 | 1,759 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7018% | 352 |
| Cost of funding earning assets | 0.6770% | 300 |
| Net interest margin | 4.0248% | 614 |
| Noninterest income to average assets | -0.0800% | 4,734 |
| Noninterest expense to average assets | 1.6136% | 4,293 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.7911% | 438 |
| Return on assets (ROA) | 1.7993% | 422 |
| Pretax return on assets | 2.0549% | 415 |
| Return on Equity (ROE) | 12.2000% | 1,973 |
| Retained earnings to average equity (ytd only) | 11.0624% | 1,038 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 40.2379% | 4,565 |
| Assets per employee ($millions) | 13.5094% | 271 |
| Cash dividends to net income (ytd only)* | 9.3179% | 2,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5132% | 4,460 |
| Loan loss allowance to noncurrent loans | 105.0607% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 0.3539% | 1,533 |
| Noncurrent loans to loans | 0.4885% | 1,582 |
| Net loans and leases to total assets | 72.0700% | 1,292 |
| Net loans and leases to deposits | 87.4350% | 1,071 |
| Net loans and leases to core deposits | 99.6388% | 828 |
| Total domestic deposits to total assets | 82.4300% | 3,766 |
| Equity capital to assets | 15.3943% | 420 |
| Core capital (leverage) ratio | 14.0423% | 674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6772% | 1,241 |
| Memoranda: | ||
| Average total assets | $397,615,750 | 2,049 |
| Average earning assets | $370,263,750 | 2,039 |
| Average equity | $58,647,500 | 1,443 |
| Average total loans | $290,876,500 | 1,761 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7664% | 234 |
| Cost of funding earning assets | 0.7450% | 126 |
| Net interest margin | 4.0214% | 474 |
| Noninterest income to average assets | -0.0830% | 4,755 |
| Noninterest expense to average assets | 1.6725% | 4,176 |
| Loan and lease loss provision to assets | 0.0077% | 2,462 |
| Net operating income to assets | 1.7242% | 402 |
| Return on assets (ROA) | 1.7314% | 393 |
| Pretax return on assets | 1.9823% | 399 |
| Return on Equity (ROE) | 11.9245% | 1,686 |
| Retained earnings to average equity (ytd only) | 11.0428% | 778 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.9843% | 4,569 |
| Assets per employee ($millions) | 12.5373% | 324 |
| Cash dividends to net income (ytd only)* | 7.3943% | 2,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5213% | 4,533 |
| Loan loss allowance to noncurrent loans | 102.5066% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 0.3664% | 1,529 |
| Noncurrent loans to loans | 0.5085% | 1,607 |
| Net loans and leases to total assets | 71.6821% | 1,142 |
| Net loans and leases to deposits | 86.5565% | 935 |
| Net loans and leases to core deposits | 98.9028% | 717 |
| Total domestic deposits to total assets | 82.8154% | 3,899 |
| Equity capital to assets | 14.7668% | 428 |
| Core capital (leverage) ratio | 13.5821% | 697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3149% | 1,355 |
| Memoranda: | ||
| Average total assets | $390,557,000 | 2,088 |
| Average earning assets | $362,958,667 | 2,087 |
| Average equity | $56,706,667 | 1,509 |
| Average total loans | $286,708,333 | 1,770 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6863% | 230 |
| Cost of funding earning assets | 0.7942% | 93 |
| Net interest margin | 3.8921% | 511 |
| Noninterest income to average assets | -0.0665% | 4,780 |
| Noninterest expense to average assets | 1.5495% | 4,364 |
| Loan and lease loss provision to assets | 0.0127% | 2,114 |
| Net operating income to assets | 1.7241% | 384 |
| Return on assets (ROA) | 1.7278% | 387 |
| Pretax return on assets | 1.9706% | 387 |
| Return on Equity (ROE) | 12.0119% | 1,311 |
| Retained earnings to average equity (ytd only) | 12.0119% | 604 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.8445% | 4,647 |
| Assets per employee ($millions) | 10.4311% | 610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5237% | 4,567 |
| Loan loss allowance to noncurrent loans | 102.9197% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 0.3612% | 1,668 |
| Noncurrent loans to loans | 0.5088% | 1,752 |
| Net loans and leases to total assets | 70.6084% | 961 |
| Net loans and leases to deposits | 85.4456% | 779 |
| Net loans and leases to core deposits | 97.7280% | 583 |
| Total domestic deposits to total assets | 82.6355% | 3,994 |
| Equity capital to assets | 13.7119% | 569 |
| Core capital (leverage) ratio | 13.3421% | 701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5078% | 1,381 |
| Memoranda: | ||
| Average total assets | $378,970,000 | 2,137 |
| Average earning assets | $350,044,500 | 2,147 |
| Average equity | $54,512,500 | 1,611 |
| Average total loans | $281,000,000 | 1,787 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1114% | 225 |
| Cost of funding earning assets | 0.8921% | 125 |
| Net interest margin | 4.2193% | 473 |
| Noninterest income to average assets | -0.0891% | 4,832 |
| Noninterest expense to average assets | 1.2994% | 4,677 |
| Loan and lease loss provision to assets | 0.1053% | 1,198 |
| Net operating income to assets | 2.0784% | 297 |
| Return on assets (ROA) | 2.1220% | 293 |
| Pretax return on assets | 2.4649% | 272 |
| Return on Equity (ROE) | 15.0859% | 937 |
| Retained earnings to average equity (ytd only) | 7.6186% | 1,691 |
| Net charge-offs to loans | 0.1564% | 615 |
| Credit loss provision to net charge-offs | 82.2757% | 1,940 |
| Earnings coverage of net charge-offs (x) | 19.6827% | 1,866 |
| Efficiency ratio | 33.5705% | 4,772 |
| Assets per employee ($millions) | 12.6184% | 345 |
| Cash dividends to net income (ytd only)* | 49.4984% | 1,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5789% | 4,553 |
| Loan loss allowance to noncurrent loans | 160.1457% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 0.2821% | 2,131 |
| Noncurrent loans to loans | 0.3615% | 2,291 |
| Net loans and leases to total assets | 77.5766% | 406 |
| Net loans and leases to deposits | 98.6894% | 225 |
| Net loans and leases to core deposits | 117.6443% | 184 |
| Total domestic deposits to total assets | 78.6069% | 4,347 |
| Equity capital to assets | 15.2079% | 465 |
| Core capital (leverage) ratio | 16.7178% | 308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1165% | 1,019 |
| Memoranda: | ||
| Average total assets | $357,016,800 | 2,164 |
| Average earning assets | $330,673,400 | 2,183 |
| Average equity | $50,219,200 | 1,757 |
| Average total loans | $292,110,000 | 1,738 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9394% | 338 |
| Cost of funding earning assets | 0.8970% | 149 |
| Net interest margin | 4.0424% | 725 |
| Noninterest income to average assets | -0.1026% | 4,906 |
| Noninterest expense to average assets | 1.2957% | 4,757 |
| Loan and lease loss provision to assets | 0.1055% | 1,149 |
| Net operating income to assets | 1.9229% | 535 |
| Return on assets (ROA) | 1.9791% | 509 |
| Pretax return on assets | 2.3328% | 440 |
| Return on Equity (ROE) | 14.3444% | 1,303 |
| Retained earnings to average equity (ytd only) | 13.0063% | 637 |
| Net charge-offs to loans | 0.2040% | 407 |
| Credit loss provision to net charge-offs | 62.5821% | 1,791 |
| Earnings coverage of net charge-offs (x) | 14.0591% | 1,904 |
| Efficiency ratio | 34.8601% | 4,829 |
| Assets per employee ($millions) | 13.0945% | 300 |
| Cash dividends to net income (ytd only)* | 9.3284% | 2,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5189% | 4,691 |
| 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 | 78.5737% | 368 |
| Net loans and leases to deposits | 101.0119% | 203 |
| Net loans and leases to core deposits | 120.7328% | 180 |
| Total domestic deposits to total assets | 77.7866% | 4,441 |
| Equity capital to assets | 14.8858% | 556 |
| Core capital (leverage) ratio | 16.7986% | 325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9761% | 965 |
| Memoranda: | ||
| Average total assets | $361,096,500 | 2,166 |
| Average earning assets | $336,820,750 | 2,169 |
| Average equity | $49,820,750 | 1,785 |
| Average total loans | $298,677,250 | 1,742 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0022% | 341 |
| Cost of funding earning assets | 0.9139% | 175 |
| Net interest margin | 4.0883% | 708 |
| Noninterest income to average assets | -0.1106% | 4,938 |
| Noninterest expense to average assets | 1.2788% | 4,797 |
| Loan and lease loss provision to assets | 0.1078% | 1,169 |
| Net operating income to assets | 1.9595% | 522 |
| Return on assets (ROA) | 2.0049% | 507 |
| Pretax return on assets | 2.3723% | 427 |
| Return on Equity (ROE) | 14.9127% | 1,183 |
| Retained earnings to average equity (ytd only) | 13.8898% | 563 |
| Net charge-offs to loans | 0.2995% | 290 |
| Credit loss provision to net charge-offs | 42.8884% | 1,645 |
| Earnings coverage of net charge-offs (x) | 9.6543% | 1,824 |
| Efficiency ratio | 34.0508% | 4,871 |
| Assets per employee ($millions) | 14.0945% | 232 |
| Cash dividends to net income (ytd only)* | 6.8587% | 2,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4580% | 4,767 |
| Loan loss allowance to noncurrent loans | 140.6832% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 0.2741% | 2,561 |
| Noncurrent loans to loans | 0.3255% | 2,750 |
| Net loans and leases to total assets | 83.8278% | 140 |
| Net loans and leases to deposits | 106.4701% | 154 |
| Net loans and leases to core deposits | 128.2256% | 142 |
| Total domestic deposits to total assets | 78.7336% | 4,366 |
| Equity capital to assets | 14.4553% | 627 |
| Core capital (leverage) ratio | 15.9132% | 382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2273% | 1,076 |
| Memoranda: | ||
| Average total assets | $363,611,333 | 2,137 |
| Average earning assets | $339,409,333 | 2,140 |
| Average equity | $48,884,667 | 1,805 |
| Average total loans | $305,153,667 | 1,718 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8924% | 418 |
| Cost of funding earning assets | 0.9322% | 191 |
| Net interest margin | 3.9601% | 896 |
| Noninterest income to average assets | -0.2524% | 4,965 |
| Noninterest expense to average assets | 1.2697% | 4,836 |
| Loan and lease loss provision to assets | 0.1148% | 1,198 |
| Net operating income to assets | 1.7523% | 855 |
| Return on assets (ROA) | 1.8416% | 783 |
| Pretax return on assets | 2.1591% | 736 |
| Return on Equity (ROE) | 14.2083% | 1,395 |
| Retained earnings to average equity (ytd only) | 14.2083% | 736 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.4524% | 4,839 |
| Assets per employee ($millions) | 14.5314% | 217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5704% | 4,716 |
| Loan loss allowance to noncurrent loans | 93.1965% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 0.5098% | 1,860 |
| Noncurrent loans to loans | 0.6120% | 2,042 |
| Net loans and leases to total assets | 82.8251% | 191 |
| Net loans and leases to deposits | 103.5948% | 213 |
| Net loans and leases to core deposits | 124.8199% | 196 |
| Total domestic deposits to total assets | 79.9511% | 4,211 |
| Equity capital to assets | 14.0347% | 665 |
| Core capital (leverage) ratio | 15.3386% | 433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9292% | 1,080 |
| Memoranda: | ||
| Average total assets | $369,235,500 | 2,110 |
| Average earning assets | $344,129,000 | 2,106 |
| Average equity | $47,859,500 | 1,828 |
| Average total loans | $309,362,000 | 1,700 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2515% | 303 |
| Cost of funding earning assets | 1.1562% | 328 |
| Net interest margin | 4.0954% | 789 |
| Noninterest income to average assets | -0.0360% | 4,976 |
| Noninterest expense to average assets | 1.2953% | 4,874 |
| Loan and lease loss provision to assets | 0.1482% | 2,519 |
| Net operating income to assets | 1.9440% | 291 |
| Return on assets (ROA) | 1.9536% | 312 |
| Pretax return on assets | 2.3167% | 251 |
| Return on Equity (ROE) | 17.7307% | 351 |
| Retained earnings to average equity (ytd only) | 12.9263% | 246 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.1147% | 4,941 |
| Assets per employee ($millions) | 15.6327% | 159 |
| Cash dividends to net income (ytd only)* | 27.0966% | 2,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5125% | 4,784 |
| Loan loss allowance to noncurrent loans | 87.4730% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 0.4936% | 2,085 |
| Noncurrent loans to loans | 0.5859% | 2,236 |
| Net loans and leases to total assets | 83.8216% | 186 |
| Net loans and leases to deposits | 104.5283% | 253 |
| Net loans and leases to core deposits | 153.9425% | 77 |
| Total domestic deposits to total assets | 80.1903% | 4,017 |
| Equity capital to assets | 11.9229% | 1,613 |
| Core capital (leverage) ratio | 14.2926% | 635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9692% | 1,540 |
| Memoranda: | ||
| Average total assets | $377,819,600 | 1,928 |
| Average earning assets | $349,173,600 | 1,939 |
| Average equity | $41,628,400 | 1,963 |
| Average total loans | $310,715,800 | 1,646 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2275% | 392 |
| Cost of funding earning assets | 1.1853% | 391 |
| Net interest margin | 4.0421% | 1,032 |
| Noninterest income to average assets | -0.0366% | 5,009 |
| Noninterest expense to average assets | 1.2848% | 4,911 |
| Loan and lease loss provision to assets | 0.0740% | 3,398 |
| Net operating income to assets | 1.9599% | 323 |
| Return on assets (ROA) | 1.9661% | 349 |
| Pretax return on assets | 2.3469% | 260 |
| Return on Equity (ROE) | 18.2148% | 343 |
| Retained earnings to average equity (ytd only) | 16.0934% | 152 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.3018% | 4,967 |
| Assets per employee ($millions) | 15.8001% | 143 |
| Cash dividends to net income (ytd only)* | 11.6467% | 3,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3920% | 4,890 |
| 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 | 81.6943% | 455 |
| Net loans and leases to deposits | 101.1567% | 489 |
| Net loans and leases to core deposits | 153.4976% | 103 |
| Total domestic deposits to total assets | 80.7601% | 3,705 |
| Equity capital to assets | 10.7045% | 2,617 |
| Core capital (leverage) ratio | 14.1808% | 671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7622% | 1,568 |
| Memoranda: | ||
| Average total assets | $378,478,250 | 1,912 |
| Average earning assets | $349,707,750 | 1,923 |
| Average equity | $40,852,250 | 1,980 |
| Average total loans | $309,368,250 | 1,645 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3618% | 437 |
| Cost of funding earning assets | 1.0086% | 964 |
| Net interest margin | 4.3532% | 674 |
| Noninterest income to average assets | -0.0354% | 5,035 |
| Noninterest expense to average assets | 1.5229% | 4,831 |
| Loan and lease loss provision to assets | 0.0804% | 3,280 |
| Net operating income to assets | 2.0016% | 336 |
| Return on assets (ROA) | 2.0034% | 369 |
| Pretax return on assets | 2.3927% | 254 |
| Return on Equity (ROE) | 18.5063% | 333 |
| Retained earnings to average equity (ytd only) | 16.7726% | 145 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.7148% | 4,957 |
| Assets per employee ($millions) | 15.2892% | 158 |
| Cash dividends to net income (ytd only)* | 9.3683% | 3,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3927% | 4,910 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 80.2987% | 565 |
| Net loans and leases to deposits | 100.1413% | 541 |
| Net loans and leases to core deposits | 117.9923% | 475 |
| Total domestic deposits to total assets | 80.1854% | 3,797 |
| Equity capital to assets | 10.3715% | 2,862 |
| Core capital (leverage) ratio | 14.2032% | 711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9878% | 1,827 |
| Memoranda: | ||
| Average total assets | $372,970,000 | 1,913 |
| Average earning assets | $345,217,000 | 1,916 |
| Average equity | $40,375,333 | 1,982 |
| Average total loans | $304,502,667 | 1,651 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2054% | 653 |
| Cost of funding earning assets | 1.1738% | 837 |
| Net interest margin | 4.0317% | 1,309 |
| Noninterest income to average assets | -0.0293% | 5,082 |
| Noninterest expense to average assets | 1.4639% | 4,938 |
| Loan and lease loss provision to assets | 0.0326% | 3,364 |
| Net operating income to assets | 1.8704% | 356 |
| Return on assets (ROA) | 1.8722% | 394 |
| Pretax return on assets | 2.2251% | 279 |
| Return on Equity (ROE) | 16.9262% | 345 |
| Retained earnings to average equity (ytd only) | 16.9262% | 116 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.9197% | 4,993 |
| Assets per employee ($millions) | 15.2862% | 125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3507% | 4,971 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 81.0373% | 556 |
| Net loans and leases to deposits | 100.1225% | 553 |
| Net loans and leases to core deposits | 116.4534% | 573 |
| Total domestic deposits to total assets | 80.9381% | 3,677 |
| Equity capital to assets | 9.8457% | 3,922 |
| Core capital (leverage) ratio | 13.6133% | 1,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5475% | 2,060 |
| Memoranda: | ||
| Average total assets | $368,340,500 | 1,892 |
| Average earning assets | $342,489,000 | 1,881 |
| Average equity | $40,741,500 | 1,959 |
| Average total loans | $302,686,500 | 1,632 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3591% | 732 |
| Cost of funding earning assets | 1.1892% | 1,049 |
| Net interest margin | 4.1700% | 1,376 |
| Noninterest income to average assets | 0.0421% | 5,052 |
| Noninterest expense to average assets | 1.6166% | 4,939 |
| Loan and lease loss provision to assets | 0.0366% | 3,277 |
| Net operating income to assets | 2.0989% | 276 |
| Return on assets (ROA) | 2.1022% | 286 |
| Pretax return on assets | 2.3576% | 269 |
| Return on Equity (ROE) | 15.6776% | 577 |
| Retained earnings to average equity (ytd only) | 8.0527% | 959 |
| Net charge-offs to loans | -0.0007% | 4,161 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,681 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.8705% | 5,069 |
| Assets per employee ($millions) | 13.6356% | 160 |
| Cash dividends to net income (ytd only)* | 48.6353% | 2,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3598% | 5,010 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 82.7965% | 451 |
| Net loans and leases to deposits | 106.4342% | 285 |
| Net loans and leases to core deposits | 123.7344% | 392 |
| Total domestic deposits to total assets | 77.7912% | 4,394 |
| Equity capital to assets | 12.3706% | 1,900 |
| Core capital (leverage) ratio | 13.9953% | 928 |
| Tier 1 risk-based capital ratio | 14.4050% | 3,067 |
| Total risk-based capital ratio | 14.7263% | 3,427 |
| Memoranda: | ||
| Average total assets | $327,662,000 | 1,996 |
| Average earning assets | $311,562,400 | 1,960 |
| Average equity | $43,935,400 | 1,793 |
| Average total loans | $270,982,800 | 1,724 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2628% | 927 |
| Cost of funding earning assets | 1.1934% | 1,051 |
| Net interest margin | 4.0694% | 1,704 |
| Noninterest income to average assets | 0.0773% | 5,051 |
| Noninterest expense to average assets | 1.4764% | 5,079 |
| Loan and lease loss provision to assets | 0.0374% | 3,149 |
| Net operating income to assets | 2.1706% | 285 |
| Return on assets (ROA) | 2.1706% | 298 |
| Pretax return on assets | 2.4377% | 284 |
| Return on Equity (ROE) | 15.8491% | 634 |
| Retained earnings to average equity (ytd only) | 14.3325% | 191 |
| Net charge-offs to loans | -0.0010% | 4,000 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,626 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.8797% | 5,164 |
| Assets per employee ($millions) | 13.0187% | 170 |
| Cash dividends to net income (ytd only)* | 9.5694% | 3,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3751% | 5,076 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 80.8166% | 729 |
| Net loans and leases to deposits | 99.8066% | 652 |
| Net loans and leases to core deposits | 117.0662% | 625 |
| Total domestic deposits to total assets | 80.9732% | 3,766 |
| Equity capital to assets | 12.8670% | 1,701 |
| Core capital (leverage) ratio | 14.7228% | 808 |
| Tier 1 risk-based capital ratio | 15.5357% | 2,627 |
| Total risk-based capital ratio | 15.8643% | 2,950 |
| Memoranda: | ||
| Average total assets | $320,946,000 | 2,039 |
| Average earning assets | $305,559,500 | 1,996 |
| Average equity | $43,955,000 | 1,800 |
| Average total loans | $265,079,750 | 1,762 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3073% | 806 |
| Cost of funding earning assets | 1.1606% | 1,103 |
| Net interest margin | 4.1467% | 1,493 |
| Noninterest income to average assets | 0.1028% | 5,025 |
| Noninterest expense to average assets | 1.5151% | 5,112 |
| Loan and lease loss provision to assets | 0.0381% | 3,050 |
| Net operating income to assets | 2.2183% | 255 |
| Return on assets (ROA) | 2.2183% | 264 |
| Pretax return on assets | 2.5160% | 232 |
| Return on Equity (ROE) | 15.8543% | 613 |
| Retained earnings to average equity (ytd only) | 14.7202% | 185 |
| Net charge-offs to loans | -0.0008% | 3,886 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,500 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.7493% | 5,206 |
| Assets per employee ($millions) | 12.7343% | 171 |
| Cash dividends to net income (ytd only)* | 7.1531% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3677% | 5,137 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 81.7592% | 647 |
| Net loans and leases to deposits | 102.1729% | 526 |
| Net loans and leases to core deposits | 121.1588% | 512 |
| Total domestic deposits to total assets | 80.0204% | 4,034 |
| Equity capital to assets | 13.3011% | 1,440 |
| Core capital (leverage) ratio | 14.4732% | 830 |
| Tier 1 risk-based capital ratio | 15.4207% | 2,653 |
| Total risk-based capital ratio | 15.7471% | 2,991 |
| Memoranda: | ||
| Average total assets | $315,099,670 | 2,082 |
| Average earning assets | $301,398,000 | 2,030 |
| Average equity | $44,089,000 | 1,789 |
| Average total loans | $261,912,330 | 1,781 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0727% | 1,159 |
| Cost of funding earning assets | 1.1036% | 1,169 |
| Net interest margin | 3.9691% | 1,952 |
| Noninterest income to average assets | 0.0221% | 5,274 |
| Noninterest expense to average assets | 1.5838% | 5,109 |
| Loan and lease loss provision to assets | 0.0391% | 2,847 |
| Net operating income to assets | 1.9720% | 409 |
| Return on assets (ROA) | 1.9720% | 424 |
| Pretax return on assets | 2.2077% | 442 |
| Return on Equity (ROE) | 13.7281% | 1,025 |
| Retained earnings to average equity (ytd only) | 13.7281% | 377 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.8365% | 5,191 |
| Assets per employee ($millions) | 11.7032% | 220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3741% | 5,198 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 81.6606% | 626 |
| Net loans and leases to deposits | 99.0857% | 689 |
| Net loans and leases to core deposits | 117.5337% | 595 |
| Total domestic deposits to total assets | 82.4141% | 3,610 |
| Equity capital to assets | 13.9525% | 1,054 |
| Core capital (leverage) ratio | 15.1691% | 664 |
| Tier 1 risk-based capital ratio | 15.7909% | 2,532 |
| Total risk-based capital ratio | 16.1275% | 2,860 |
| Memoranda: | ||
| Average total assets | $307,103,000 | 2,152 |
| Average earning assets | $294,676,000 | 2,080 |
| Average equity | $44,114,000 | 1,777 |
| Average total loans | $257,019,500 | 1,825 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3555% | 526 |
| Cost of funding earning assets | 0.8774% | 1,185 |
| Net interest margin | 4.4781% | 799 |
| Noninterest income to average assets | 0.0248% | 5,313 |
| Noninterest expense to average assets | 1.8246% | 4,982 |
| Loan and lease loss provision to assets | 0.0426% | 3,335 |
| Net operating income to assets | 2.2211% | 242 |
| Return on assets (ROA) | 2.2663% | 216 |
| Pretax return on assets | 2.4941% | 209 |
| Return on Equity (ROE) | 15.0437% | 819 |
| Retained earnings to average equity (ytd only) | 11.5107% | 374 |
| Net charge-offs to loans | 0.0009% | 3,751 |
| Credit loss provision to net charge-offs | 6,000.0000% | 78 |
| Earnings coverage of net charge-offs (x) | 3,504.5000% | 22 |
| Efficiency ratio | 41.8073% | 5,247 |
| Assets per employee ($millions) | 11.0451% | 257 |
| Cash dividends to net income (ytd only)* | 23.4852% | 3,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3678% | 5,239 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 85.2042% | 298 |
| Net loans and leases to deposits | 106.1139% | 368 |
| Net loans and leases to core deposits | 126.8414% | 380 |
| Total domestic deposits to total assets | 80.2950% | 4,043 |
| Equity capital to assets | 14.8012% | 759 |
| Core capital (leverage) ratio | 14.9756% | 700 |
| Tier 1 risk-based capital ratio | 15.0969% | 2,785 |
| Total risk-based capital ratio | 15.4193% | 3,144 |
| Memoranda: | ||
| Average total assets | $281,819,600 | 2,257 |
| Average earning assets | $269,777,800 | 2,198 |
| Average equity | $42,456,200 | 1,762 |
| Average total loans | $234,944,800 | 1,913 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3777% | 451 |
| Cost of funding earning assets | 0.8341% | 1,173 |
| Net interest margin | 4.5436% | 679 |
| Noninterest income to average assets | 0.0211% | 5,396 |
| Noninterest expense to average assets | 1.8431% | 4,990 |
| Loan and lease loss provision to assets | 0.0432% | 3,128 |
| Net operating income to assets | 2.2617% | 245 |
| Return on assets (ROA) | 2.3150% | 216 |
| Pretax return on assets | 2.5373% | 210 |
| Return on Equity (ROE) | 15.2947% | 826 |
| Retained earnings to average equity (ytd only) | 13.7088% | 280 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7180% | 5,280 |
| Assets per employee ($millions) | 10.1335% | 314 |
| Cash dividends to net income (ytd only)* | 10.3691% | 3,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3793% | 5,306 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 84.2439% | 430 |
| Net loans and leases to deposits | 108.2420% | 347 |
| Net loans and leases to core deposits | 122.9380% | 492 |
| Total domestic deposits to total assets | 77.8292% | 4,502 |
| Equity capital to assets | 15.9217% | 557 |
| Core capital (leverage) ratio | 15.7815% | 555 |
| Tier 1 risk-based capital ratio | 14.9240% | 2,919 |
| Total risk-based capital ratio | 15.2373% | 3,286 |
| Memoranda: | ||
| Average total assets | $277,719,750 | 2,294 |
| Average earning assets | $265,508,250 | 2,233 |
| Average equity | $42,035,250 | 1,784 |
| Average total loans | $229,922,750 | 1,955 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3307% | 441 |
| Cost of funding earning assets | 0.8132% | 1,072 |
| Net interest margin | 4.5175% | 675 |
| Noninterest income to average assets | 0.0530% | 5,396 |
| Noninterest expense to average assets | 1.9012% | 4,958 |
| Loan and lease loss provision to assets | 0.0435% | 3,023 |
| Net operating income to assets | 2.2293% | 240 |
| Return on assets (ROA) | 2.2647% | 223 |
| Pretax return on assets | 2.4707% | 238 |
| Return on Equity (ROE) | 15.2336% | 805 |
| Retained earnings to average equity (ytd only) | 14.0137% | 279 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9234% | 5,312 |
| Assets per employee ($millions) | 9.5068% | 374 |
| Cash dividends to net income (ytd only)* | 8.0077% | 3,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3845% | 5,369 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 82.6966% | 626 |
| Net loans and leases to deposits | 102.6797% | 610 |
| Net loans and leases to core deposits | 117.5944% | 649 |
| Total domestic deposits to total assets | 80.5384% | 4,123 |
| Equity capital to assets | 15.5841% | 578 |
| Core capital (leverage) ratio | 15.3283% | 608 |
| Tier 1 risk-based capital ratio | 16.5646% | 2,241 |
| Total risk-based capital ratio | 16.9126% | 2,505 |
| Memoranda: | ||
| Average total assets | $275,713,670 | 2,313 |
| Average earning assets | $263,907,330 | 2,256 |
| Average equity | $40,988,330 | 1,825 |
| Average total loans | $226,583,000 | 1,978 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0976% | 589 |
| Cost of funding earning assets | 0.8119% | 905 |
| Net interest margin | 4.2857% | 971 |
| Noninterest income to average assets | 0.0595% | 5,452 |
| Noninterest expense to average assets | 1.9019% | 5,016 |
| Loan and lease loss provision to assets | 0.0435% | 2,888 |
| Net operating income to assets | 2.0676% | 320 |
| Return on assets (ROA) | 2.0949% | 299 |
| Pretax return on assets | 2.2399% | 350 |
| Return on Equity (ROE) | 14.4400% | 918 |
| Retained earnings to average equity (ytd only) | 14.4400% | 370 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2356% | 5,308 |
| Assets per employee ($millions) | 9.4854% | 376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3759% | 5,446 |
| 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 | 81.8945% | 677 |
| Net loans and leases to deposits | 103.3216% | 516 |
| Net loans and leases to core deposits | 131.0742% | 319 |
| Total domestic deposits to total assets | 79.2617% | 4,538 |
| Equity capital to assets | 15.0260% | 668 |
| Core capital (leverage) ratio | 14.8645% | 673 |
| Tier 1 risk-based capital ratio | 15.5378% | 2,651 |
| Total risk-based capital ratio | 15.8644% | 2,970 |
| Memoranda: | ||
| Average total assets | $275,722,000 | 2,336 |
| Average earning assets | $263,575,500 | 2,276 |
| Average equity | $40,000,000 | 1,868 |
| Average total loans | $225,438,500 | 1,996 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1917% | 453 |
| Cost of funding earning assets | 0.7607% | 786 |
| Net interest margin | 4.4310% | 714 |
| Noninterest income to average assets | 0.0059% | 5,605 |
| Noninterest expense to average assets | 1.8792% | 5,144 |
| Loan and lease loss provision to assets | 0.0449% | 3,342 |
| Net operating income to assets | 1.8190% | 399 |
| Return on assets (ROA) | 1.9520% | 315 |
| Pretax return on assets | 2.4779% | 181 |
| Return on Equity (ROE) | 14.3451% | 712 |
| Retained earnings to average equity (ytd only) | 10.2504% | 319 |
| Net charge-offs to loans | 0.0005% | 4,117 |
| Credit loss provision to net charge-offs | 12,100.0000% | 24 |
| Earnings coverage of net charge-offs (x) | 6,339.0000% | 9 |
| Efficiency ratio | 43.8410% | 5,458 |
| Assets per employee ($millions) | 9.2123% | 418 |
| Cash dividends to net income (ytd only)* | 28.5442% | 3,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3648% | 5,513 |
| 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 | 81.0278% | 829 |
| Net loans and leases to deposits | 99.2765% | 790 |
| Net loans and leases to core deposits | 125.5755% | 448 |
| Total domestic deposits to total assets | 81.6183% | 3,966 |
| Equity capital to assets | 13.9911% | 915 |
| Core capital (leverage) ratio | 14.4209% | 746 |
| Tier 1 risk-based capital ratio | 15.1598% | 2,767 |
| Total risk-based capital ratio | 15.4787% | 3,128 |
| Memoranda: | ||
| Average total assets | $269,216,800 | 2,355 |
| Average earning assets | $256,873,400 | 2,304 |
| Average equity | $36,632,600 | 2,001 |
| Average total loans | $209,588,400 | 2,080 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0116% | 595 |
| Cost of funding earning assets | 0.7480% | 764 |
| Net interest margin | 4.2636% | 1,015 |
| Noninterest income to average assets | 0.0070% | 5,673 |
| Noninterest expense to average assets | 1.8556% | 5,192 |
| Loan and lease loss provision to assets | 0.0454% | 3,191 |
| Net operating income to assets | 1.7555% | 514 |
| Return on assets (ROA) | 1.9384% | 356 |
| Pretax return on assets | 2.3986% | 256 |
| Return on Equity (ROE) | 14.3502% | 766 |
| Retained earnings to average equity (ytd only) | 12.5048% | 259 |
| Net charge-offs to loans | 0.0006% | 3,781 |
| Credit loss provision to net charge-offs | 9,100.0000% | 52 |
| Earnings coverage of net charge-offs (x) | 4,460.0376% | 10 |
| Efficiency ratio | 44.9884% | 5,452 |
| Assets per employee ($millions) | 9.0723% | 426 |
| Cash dividends to net income (ytd only)* | 12.8601% | 3,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3584% | 5,592 |
| 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 | 80.6906% | 884 |
| Net loans and leases to deposits | 98.9738% | 825 |
| Net loans and leases to core deposits | 129.4047% | 351 |
| Total domestic deposits to total assets | 81.5272% | 3,911 |
| Equity capital to assets | 13.7140% | 1,070 |
| Core capital (leverage) ratio | 14.4857% | 770 |
| Tier 1 risk-based capital ratio | 15.7082% | 2,626 |
| Total risk-based capital ratio | 16.0298% | 2,953 |
| Memoranda: | ||
| Average total assets | $267,429,000 | 2,381 |
| Average earning assets | $255,084,000 | 2,333 |
| Average equity | $36,124,000 | 2,027 |
| Average total loans | $205,796,750 | 2,121 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9842% | 573 |
| Cost of funding earning assets | 0.7247% | 786 |
| Net interest margin | 4.2594% | 954 |
| Noninterest income to average assets | 0.0098% | 5,715 |
| Noninterest expense to average assets | 1.8582% | 5,245 |
| Loan and lease loss provision to assets | 0.0459% | 3,071 |
| Net operating income to assets | 1.7511% | 502 |
| Return on assets (ROA) | 1.9680% | 331 |
| Pretax return on assets | 2.4412% | 235 |
| Return on Equity (ROE) | 14.6458% | 715 |
| Retained earnings to average equity (ytd only) | 13.2461% | 234 |
| Net charge-offs to loans | 0.0010% | 3,488 |
| Credit loss provision to net charge-offs | 6,100.0000% | 64 |
| Earnings coverage of net charge-offs (x) | 2,950.0000% | 12 |
| Efficiency ratio | 45.0000% | 5,491 |
| Assets per employee ($millions) | 8.7342% | 460 |
| Cash dividends to net income (ytd only)* | 9.5566% | 3,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3525% | 5,638 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 79.3373% | 1,045 |
| Net loans and leases to deposits | 97.1187% | 977 |
| Net loans and leases to core deposits | 123.7488% | 443 |
| Total domestic deposits to total assets | 81.6911% | 3,977 |
| Equity capital to assets | 13.6043% | 1,110 |
| Core capital (leverage) ratio | 14.0323% | 855 |
| Tier 1 risk-based capital ratio | 15.5423% | 2,688 |
| Total risk-based capital ratio | 15.8569% | 3,028 |
| Memoranda: | ||
| Average total assets | $265,849,330 | 2,401 |
| Average earning assets | $253,884,330 | 2,348 |
| Average equity | $35,723,670 | 2,039 |
| Average total loans | $200,927,670 | 2,159 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8082% | 732 |
| Cost of funding earning assets | 0.7298% | 722 |
| Net interest margin | 4.0784% | 1,274 |
| Noninterest income to average assets | 0.0197% | 5,779 |
| Noninterest expense to average assets | 1.8543% | 5,301 |
| Loan and lease loss provision to assets | 0.0456% | 2,888 |
| Net operating income to assets | 1.6826% | 574 |
| Return on assets (ROA) | 1.7267% | 530 |
| Pretax return on assets | 2.0684% | 443 |
| Return on Equity (ROE) | 12.9322% | 1,011 |
| Retained earnings to average equity (ytd only) | 12.9322% | 381 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7804% | 5,505 |
| Assets per employee ($millions) | 8.6890% | 473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3639% | 5,709 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 74.2005% | 1,703 |
| Net loans and leases to deposits | 92.3804% | 1,286 |
| Net loans and leases to core deposits | 116.5285% | 575 |
| Total domestic deposits to total assets | 80.3206% | 4,558 |
| Equity capital to assets | 13.3963% | 1,110 |
| Core capital (leverage) ratio | 14.0025% | 843 |
| Tier 1 risk-based capital ratio | 15.1921% | 2,877 |
| Total risk-based capital ratio | 15.4975% | 3,255 |
| Memoranda: | ||
| Average total assets | $263,394,500 | 2,437 |
| Average earning assets | $251,569,500 | 2,385 |
| Average equity | $35,168,000 | 2,076 |
| Average total loans | $193,605,000 | 2,236 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2263% | 400 |
| Cost of funding earning assets | 0.7348% | 681 |
| Net interest margin | 4.4915% | 638 |
| Noninterest income to average assets | -0.0044% | 5,865 |
| Noninterest expense to average assets | 1.8585% | 5,415 |
| Loan and lease loss provision to assets | 0.0455% | 3,473 |
| Net operating income to assets | 1.9413% | 359 |
| Return on assets (ROA) | 2.0519% | 297 |
| Pretax return on assets | 2.4233% | 222 |
| Return on Equity (ROE) | 17.2076% | 385 |
| Retained earnings to average equity (ytd only) | 13.3933% | 153 |
| Net charge-offs to loans | 0.0084% | 3,977 |
| Credit loss provision to net charge-offs | 766.6667% | 478 |
| Earnings coverage of net charge-offs (x) | 394.2000% | 207 |
| Efficiency ratio | 43.6958% | 5,703 |
| Assets per employee ($millions) | 8.0447% | 599 |
| Cash dividends to net income (ytd only)* | 22.1665% | 3,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3751% | 5,752 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 72.2194% | 2,137 |
| Net loans and leases to deposits | 88.6673% | 1,851 |
| Net loans and leases to core deposits | 109.1505% | 949 |
| Total domestic deposits to total assets | 81.4498% | 4,219 |
| Equity capital to assets | 13.3053% | 1,132 |
| Core capital (leverage) ratio | 13.9872% | 818 |
| Tier 1 risk-based capital ratio | 15.3055% | 2,838 |
| Total risk-based capital ratio | 15.6102% | 3,185 |
| Memoranda: | ||
| Average total assets | $252,837,200 | 2,483 |
| Average earning assets | $236,513,200 | 2,465 |
| Average equity | $30,149,400 | 2,339 |
| Average total loans | $177,776,200 | 2,335 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2022% | 424 |
| Cost of funding earning assets | 0.7419% | 661 |
| Net interest margin | 4.4603% | 688 |
| Noninterest income to average assets | 0.0016% | 5,919 |
| Noninterest expense to average assets | 1.8838% | 5,408 |
| Loan and lease loss provision to assets | 0.0477% | 3,295 |
| Net operating income to assets | 1.8820% | 417 |
| Return on assets (ROA) | 2.0014% | 355 |
| Pretax return on assets | 2.3574% | 276 |
| Return on Equity (ROE) | 17.2959% | 421 |
| Retained earnings to average equity (ytd only) | 15.0069% | 133 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8219% | 5,717 |
| Assets per employee ($millions) | 8.0470% | 582 |
| Cash dividends to net income (ytd only)* | 13.2345% | 3,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3750% | 5,813 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 71.1950% | 2,320 |
| Net loans and leases to deposits | 87.6418% | 2,060 |
| Net loans and leases to core deposits | 111.3291% | 846 |
| Total domestic deposits to total assets | 81.2341% | 4,185 |
| Equity capital to assets | 11.2616% | 2,733 |
| Core capital (leverage) ratio | 14.1339% | 814 |
| Tier 1 risk-based capital ratio | 15.3408% | 2,896 |
| Total risk-based capital ratio | 15.6486% | 3,263 |
| Memoranda: | ||
| Average total assets | $251,688,750 | 2,498 |
| Average earning assets | $233,999,000 | 2,488 |
| Average equity | $29,123,750 | 2,447 |
| Average total loans | $175,566,500 | 2,357 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3813% | 307 |
| Cost of funding earning assets | 0.7461% | 645 |
| Net interest margin | 4.6352% | 478 |
| Noninterest income to average assets | 0.0056% | 5,992 |
| Noninterest expense to average assets | 1.9099% | 5,433 |
| Loan and lease loss provision to assets | 0.0480% | 3,191 |
| Net operating income to assets | 1.9962% | 335 |
| Return on assets (ROA) | 2.0749% | 308 |
| Pretax return on assets | 2.4697% | 230 |
| Return on Equity (ROE) | 17.7677% | 377 |
| Retained earnings to average equity (ytd only) | 16.0533% | 117 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4959% | 5,827 |
| Assets per employee ($millions) | 8.0412% | 551 |
| Cash dividends to net income (ytd only)* | 9.6488% | 3,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3626% | 5,905 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 70.4759% | 2,406 |
| Net loans and leases to deposits | 86.3537% | 2,210 |
| Net loans and leases to core deposits | 109.9299% | 935 |
| Total domestic deposits to total assets | 81.6131% | 4,114 |
| Equity capital to assets | 11.1033% | 2,940 |
| Core capital (leverage) ratio | 13.5508% | 965 |
| Tier 1 risk-based capital ratio | 14.4022% | 3,379 |
| Total risk-based capital ratio | 14.6865% | 3,852 |
| Memoranda: | ||
| Average total assets | $249,750,330 | 2,533 |
| Average earning assets | $233,213,330 | 2,512 |
| Average equity | $29,165,330 | 2,434 |
| Average total loans | $172,748,670 | 2,388 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8408% | 778 |
| Cost of funding earning assets | 0.7592% | 606 |
| Net interest margin | 4.0816% | 1,389 |
| Noninterest income to average assets | -0.0146% | 6,090 |
| Noninterest expense to average assets | 1.8669% | 5,569 |
| Loan and lease loss provision to assets | 0.0488% | 2,949 |
| Net operating income to assets | 1.7079% | 567 |
| Return on assets (ROA) | 1.7108% | 603 |
| Pretax return on assets | 1.9108% | 676 |
| Return on Equity (ROE) | 14.2826% | 786 |
| Retained earnings to average equity (ytd only) | 14.2826% | 302 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1923% | 5,718 |
| Assets per employee ($millions) | 7.9909% | 570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3697% | 5,971 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 68.5317% | 2,573 |
| Net loans and leases to deposits | 83.5417% | 2,359 |
| Net loans and leases to core deposits | 106.3843% | 1,053 |
| Total domestic deposits to total assets | 82.0329% | 4,211 |
| Equity capital to assets | 11.7387% | 2,211 |
| Core capital (leverage) ratio | 13.2959% | 1,053 |
| Tier 1 risk-based capital ratio | 15.9806% | 2,689 |
| Total risk-based capital ratio | 16.2939% | 3,073 |
| Memoranda: | ||
| Average total assets | $245,966,000 | 2,572 |
| Average earning assets | $231,282,500 | 2,538 |
| Average equity | $29,462,500 | 2,405 |
| Average total loans | $168,119,000 | 2,423 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8785% | 807 |
| Cost of funding earning assets | 0.7521% | 632 |
| Net interest margin | 4.1263% | 1,345 |
| Noninterest income to average assets | -0.0034% | 6,117 |
| Noninterest expense to average assets | 1.7947% | 5,745 |
| Loan and lease loss provision to assets | 0.0422% | 3,492 |
| Net operating income to assets | 1.8394% | 455 |
| Return on assets (ROA) | 1.8631% | 444 |
| Pretax return on assets | 2.1020% | 431 |
| Return on Equity (ROE) | 15.0421% | 679 |
| Retained earnings to average equity (ytd only) | 11.1231% | 338 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2044% | 5,948 |
| Assets per employee ($millions) | 7.8778% | 593 |
| Cash dividends to net income (ytd only)* | 26.0535% | 3,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3618% | 6,023 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 67.6631% | 2,759 |
| Net loans and leases to deposits | 81.9665% | 2,588 |
| Net loans and leases to core deposits | 101.5306% | 1,401 |
| Total domestic deposits to total assets | 82.5497% | 4,000 |
| Equity capital to assets | 12.2213% | 1,800 |
| Core capital (leverage) ratio | 12.8905% | 1,190 |
| Tier 1 risk-based capital ratio | 15.8595% | 2,754 |
| Total risk-based capital ratio | 16.1659% | 3,147 |
| Memoranda: | ||
| Average total assets | $236,919,600 | 2,607 |
| Average earning assets | $224,824,600 | 2,549 |
| Average equity | $29,344,400 | 2,364 |
| Average total loans | $156,858,200 | 2,506 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7977% | 939 |
| Cost of funding earning assets | 0.7554% | 628 |
| Net interest margin | 4.0423% | 1,577 |
| Noninterest income to average assets | 0.0034% | 6,187 |
| Noninterest expense to average assets | 1.8001% | 5,776 |
| Loan and lease loss provision to assets | 0.0284% | 3,672 |
| Net operating income to assets | 1.7795% | 543 |
| Return on assets (ROA) | 1.7825% | 563 |
| Pretax return on assets | 2.0144% | 584 |
| Return on Equity (ROE) | 14.3419% | 834 |
| Retained earnings to average equity (ytd only) | 12.0603% | 359 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2038% | 5,955 |
| Assets per employee ($millions) | 7.7678% | 599 |
| Cash dividends to net income (ytd only)* | 15.9084% | 3,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3405% | 6,121 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 66.8515% | 2,871 |
| Net loans and leases to deposits | 81.7555% | 2,671 |
| Net loans and leases to core deposits | 104.5746% | 1,194 |
| Total domestic deposits to total assets | 81.7700% | 4,236 |
| Equity capital to assets | 12.2263% | 1,931 |
| Core capital (leverage) ratio | 12.8153% | 1,266 |
| Tier 1 risk-based capital ratio | 15.7345% | 2,931 |
| Total risk-based capital ratio | 16.0190% | 3,357 |
| Memoranda: | ||
| Average total assets | $235,096,250 | 2,637 |
| Average earning assets | $223,102,000 | 2,582 |
| Average equity | $29,219,000 | 2,391 |
| Average total loans | $154,612,250 | 2,549 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8139% | 867 |
| Cost of funding earning assets | 0.7569% | 621 |
| Net interest margin | 4.0570% | 1,477 |
| Noninterest income to average assets | -0.0103% | 6,275 |
| Noninterest expense to average assets | 1.8234% | 5,819 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.7879% | 531 |
| Return on assets (ROA) | 1.7916% | 550 |
| Pretax return on assets | 2.0275% | 568 |
| Return on Equity (ROE) | 14.3352% | 842 |
| Retained earnings to average equity (ytd only) | 10.9041% | 518 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7113% | 6,014 |
| Assets per employee ($millions) | 7.6581% | 622 |
| Cash dividends to net income (ytd only)* | 23.9349% | 3,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3116% | 6,209 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 67.3870% | 2,735 |
| Net loans and leases to deposits | 82.0627% | 2,544 |
| Net loans and leases to core deposits | 98.8794% | 1,579 |
| Total domestic deposits to total assets | 82.1164% | 4,258 |
| Equity capital to assets | 12.7164% | 1,534 |
| Core capital (leverage) ratio | 12.5009% | 1,383 |
| Tier 1 risk-based capital ratio | 14.3596% | 3,727 |
| Total risk-based capital ratio | 14.6042% | 4,237 |
| Memoranda: | ||
| Average total assets | $233,194,670 | 2,675 |
| Average earning assets | $221,691,670 | 2,610 |
| Average equity | $29,145,000 | 2,409 |
| Average total loans | $152,306,670 | 2,590 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8273% | 814 |
| Cost of funding earning assets | 0.7632% | 611 |
| Net interest margin | 4.0642% | 1,377 |
| Noninterest income to average assets | -0.0087% | 6,350 |
| Noninterest expense to average assets | 1.8902% | 5,775 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.7417% | 538 |
| Return on assets (ROA) | 1.7448% | 565 |
| Pretax return on assets | 1.9577% | 635 |
| Return on Equity (ROE) | 14.0866% | 861 |
| Retained earnings to average equity (ytd only) | 14.0866% | 352 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4917% | 5,993 |
| Assets per employee ($millions) | 7.5995% | 647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3332% | 6,277 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 63.4807% | 3,167 |
| Net loans and leases to deposits | 77.2279% | 2,923 |
| Net loans and leases to core deposits | 95.2415% | 1,677 |
| Total domestic deposits to total assets | 82.1992% | 4,457 |
| Equity capital to assets | 12.3043% | 1,820 |
| Core capital (leverage) ratio | 12.4290% | 1,392 |
| Tier 1 risk-based capital ratio | 14.8063% | 3,540 |
| Total risk-based capital ratio | 15.0638% | 4,064 |
| Memoranda: | ||
| Average total assets | $231,091,000 | 2,713 |
| Average earning assets | $219,085,500 | 2,650 |
| Average equity | $28,623,000 | 2,455 |
| Average total loans | $148,221,000 | 2,647 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8900% | 941 |
| Cost of funding earning assets | 0.8211% | 583 |
| Net interest margin | 4.0689% | 1,684 |
| Noninterest income to average assets | 0.0335% | 6,329 |
| Noninterest expense to average assets | 1.7438% | 6,120 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.7807% | 496 |
| Return on assets (ROA) | 1.8955% | 414 |
| Pretax return on assets | 2.3122% | 261 |
| Return on Equity (ROE) | 16.0022% | 621 |
| Retained earnings to average equity (ytd only) | 11.4165% | 341 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8415% | 6,323 |
| Assets per employee ($millions) | 7.5532% | 647 |
| Cash dividends to net income (ytd only)* | 28.6566% | 3,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3416% | 6,360 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 64.3835% | 3,161 |
| Net loans and leases to deposits | 78.6585% | 2,887 |
| Net loans and leases to core deposits | 95.1707% | 1,792 |
| Total domestic deposits to total assets | 81.8519% | 4,476 |
| Equity capital to assets | 12.4710% | 1,669 |
| Core capital (leverage) ratio | 12.1850% | 1,507 |
| Tier 1 risk-based capital ratio | 16.4297% | 2,747 |
| Total risk-based capital ratio | 16.7259% | 3,172 |
| Memoranda: | ||
| Average total assets | $230,126,600 | 2,697 |
| Average earning assets | $219,591,000 | 2,630 |
| Average equity | $27,258,800 | 2,464 |
| Average total loans | $142,814,000 | 2,671 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7612% | 1,174 |
| Cost of funding earning assets | 0.8272% | 602 |
| Net interest margin | 3.9340% | 2,096 |
| Noninterest income to average assets | 0.0768% | 6,318 |
| Noninterest expense to average assets | 1.6911% | 6,214 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.7230% | 590 |
| Return on assets (ROA) | 1.8227% | 509 |
| Pretax return on assets | 2.2683% | 317 |
| Return on Equity (ROE) | 15.5896% | 733 |
| Retained earnings to average equity (ytd only) | 13.1213% | 320 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5430% | 6,377 |
| Assets per employee ($millions) | 7.9561% | 532 |
| Cash dividends to net income (ytd only)* | 15.8328% | 3,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3460% | 6,440 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 62.4166% | 3,424 |
| Net loans and leases to deposits | 75.7356% | 3,209 |
| Net loans and leases to core deposits | 94.1784% | 1,845 |
| Total domestic deposits to total assets | 82.4138% | 4,331 |
| Equity capital to assets | 12.3176% | 1,814 |
| Core capital (leverage) ratio | 11.7323% | 1,886 |
| Tier 1 risk-based capital ratio | 15.6224% | 3,248 |
| Total risk-based capital ratio | 15.9090% | 3,725 |
| Memoranda: | ||
| Average total assets | $231,009,000 | 2,706 |
| Average earning assets | $220,667,500 | 2,629 |
| Average equity | $27,008,750 | 2,490 |
| Average total loans | $141,919,750 | 2,699 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7689% | 1,132 |
| Cost of funding earning assets | 0.8310% | 607 |
| Net interest margin | 3.9379% | 2,017 |
| Noninterest income to average assets | 0.0762% | 6,360 |
| Noninterest expense to average assets | 1.6824% | 6,284 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.7230% | 555 |
| Return on assets (ROA) | 1.8719% | 447 |
| Pretax return on assets | 2.3444% | 280 |
| Return on Equity (ROE) | 16.3010% | 624 |
| Retained earnings to average equity (ytd only) | 14.4169% | 241 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8035% | 6,427 |
| Assets per employee ($millions) | 7.7578% | 559 |
| Cash dividends to net income (ytd only)* | 11.5580% | 3,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3465% | 6,515 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 61.7954% | 3,437 |
| Net loans and leases to deposits | 74.3251% | 3,284 |
| Net loans and leases to core deposits | 91.1603% | 2,014 |
| Total domestic deposits to total assets | 83.1421% | 4,248 |
| Equity capital to assets | 11.8195% | 2,134 |
| Core capital (leverage) ratio | 11.4570% | 2,043 |
| Tier 1 risk-based capital ratio | 15.9691% | 3,105 |
| Total risk-based capital ratio | 16.2707% | 3,572 |
| Memoranda: | ||
| Average total assets | $231,103,000 | 2,717 |
| Average earning assets | $220,930,000 | 2,634 |
| Average equity | $26,538,330 | 2,522 |
| Average total loans | $141,055,670 | 2,711 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9330% | 819 |
| Cost of funding earning assets | 0.8407% | 611 |
| Net interest margin | 4.0923% | 1,475 |
| Noninterest income to average assets | 0.0643% | 6,445 |
| Noninterest expense to average assets | 1.6849% | 6,359 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.8022% | 483 |
| Return on assets (ROA) | 1.9628% | 377 |
| Pretax return on assets | 2.4891% | 225 |
| Return on Equity (ROE) | 17.3489% | 496 |
| Retained earnings to average equity (ytd only) | 17.3489% | 203 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.4322% | 6,538 |
| Assets per employee ($millions) | 7.6631% | 576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3651% | 6,579 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 59.3561% | 3,658 |
| Net loans and leases to deposits | 71.1802% | 3,450 |
| Net loans and leases to core deposits | 106.8425% | 724 |
| Total domestic deposits to total assets | 83.3884% | 4,481 |
| Equity capital to assets | 11.5218% | 2,226 |
| Core capital (leverage) ratio | 10.7214% | 2,680 |
| Tier 1 risk-based capital ratio | 15.6885% | 3,342 |
| Total risk-based capital ratio | 15.9939% | 3,808 |
| Memoranda: | ||
| Average total assets | $230,287,500 | 2,744 |
| Average earning assets | $219,826,500 | 2,655 |
| Average equity | $26,053,500 | 2,545 |
| Average total loans | $139,424,000 | 2,749 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8080% | 1,294 |
| Cost of funding earning assets | 0.8552% | 936 |
| Net interest margin | 3.9528% | 2,096 |
| Noninterest income to average assets | 0.0315% | 6,592 |
| Noninterest expense to average assets | 1.7125% | 6,427 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.8336% | 454 |
| Return on assets (ROA) | 2.0138% | 330 |
| Pretax return on assets | 2.3022% | 263 |
| Return on Equity (ROE) | 18.1789% | 394 |
| Retained earnings to average equity (ytd only) | 14.0520% | 199 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5792% | 6,601 |
| Assets per employee ($millions) | 7.6894% | 552 |
| Cash dividends to net income (ytd only)* | 22.7015% | 3,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3524% | 6,666 |
| Loan loss allowance to noncurrent loans | 50,000.0000% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 6,460 |
| Noncurrent loans to loans | 0.0007% | 6,317 |
| Net loans and leases to total assets | 61.2933% | 3,484 |
| Net loans and leases to deposits | 73.1551% | 3,377 |
| Net loans and leases to core deposits | 96.2086% | 1,440 |
| Total domestic deposits to total assets | 83.7854% | 4,251 |
| Equity capital to assets | 11.1058% | 2,518 |
| Core capital (leverage) ratio | 10.1521% | 3,363 |
| Tier 1 risk-based capital ratio | 15.0322% | 3,645 |
| Total risk-based capital ratio | 15.3382% | 4,178 |
| Memoranda: | ||
| Average total assets | $218,744,200 | 2,821 |
| Average earning assets | $208,964,000 | 2,734 |
| Average equity | $24,231,400 | 2,711 |
| Average total loans | $146,237,600 | 2,614 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8400% | 1,263 |
| Cost of funding earning assets | 0.8332% | 1,136 |
| Net interest margin | 4.0068% | 1,922 |
| Noninterest income to average assets | 0.0315% | 6,673 |
| Noninterest expense to average assets | 1.6648% | 6,502 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.7715% | 558 |
| Return on assets (ROA) | 1.9391% | 422 |
| Pretax return on assets | 2.3983% | 272 |
| Return on Equity (ROE) | 17.5172% | 487 |
| Retained earnings to average equity (ytd only) | 16.4008% | 146 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.8205% | 6,686 |
| Assets per employee ($millions) | 8.3207% | 407 |
| Cash dividends to net income (ytd only)* | 6.3735% | 3,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3385% | 6,754 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 63.1818% | 3,133 |
| Net loans and leases to deposits | 75.2896% | 3,050 |
| Net loans and leases to core deposits | 98.2801% | 1,225 |
| Total domestic deposits to total assets | 83.9184% | 4,222 |
| Equity capital to assets | 10.7743% | 2,981 |
| Core capital (leverage) ratio | 10.3998% | 3,105 |
| Tier 1 risk-based capital ratio | 14.8760% | 3,829 |
| Total risk-based capital ratio | 15.1849% | 4,429 |
| Memoranda: | ||
| Average total assets | $215,760,000 | 2,878 |
| Average earning assets | $205,944,750 | 2,794 |
| Average equity | $23,884,500 | 2,772 |
| Average total loans | $147,324,000 | 2,610 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8751% | 1,157 |
| Cost of funding earning assets | 0.8253% | 1,282 |
| Net interest margin | 4.0498% | 1,694 |
| Noninterest income to average assets | 0.0286% | 6,733 |
| Noninterest expense to average assets | 1.6998% | 6,494 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.7602% | 560 |
| Return on assets (ROA) | 1.9979% | 385 |
| Pretax return on assets | 2.4902% | 277 |
| Return on Equity (ROE) | 17.8715% | 464 |
| Retained earnings to average equity (ytd only) | 17.8715% | 129 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1996% | 6,732 |
| Assets per employee ($millions) | 7.5031% | 567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3365% | 6,799 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 68.0665% | 2,218 |
| Net loans and leases to deposits | 83.6167% | 1,852 |
| Net loans and leases to core deposits | 96.3241% | 1,326 |
| Total domestic deposits to total assets | 81.4031% | 5,233 |
| Equity capital to assets | 11.2367% | 2,533 |
| Core capital (leverage) ratio | 10.8156% | 2,542 |
| Tier 1 risk-based capital ratio | 14.9110% | 3,837 |
| Total risk-based capital ratio | 15.2318% | 4,400 |
| Memoranda: | ||
| Average total assets | $210,020,000 | 2,954 |
| Average earning assets | $200,405,330 | 2,870 |
| Average equity | $23,478,670 | 2,824 |
| Average total loans | $147,198,330 | 2,616 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9845% | 918 |
| Cost of funding earning assets | 0.8084% | 1,481 |
| Net interest margin | 4.1761% | 1,256 |
| Noninterest income to average assets | 0.0213% | 6,810 |
| Noninterest expense to average assets | 1.6738% | 6,595 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.7751% | 493 |
| Return on assets (ROA) | 1.8561% | 474 |
| Pretax return on assets | 2.4322% | 297 |
| Return on Equity (ROE) | 16.6485% | 540 |
| Retained earnings to average equity (ytd only) | 16.6485% | 246 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3676% | 6,848 |
| Assets per employee ($millions) | 7.2585% | 683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3336% | 6,882 |
| Loan loss allowance to noncurrent loans | 1,612.9032% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.0147% | 6,573 |
| Noncurrent loans to loans | 0.0207% | 6,434 |
| Net loans and leases to total assets | 70.9643% | 1,524 |
| Net loans and leases to deposits | 88.3475% | 1,113 |
| Net loans and leases to core deposits | 98.3080% | 1,058 |
| Total domestic deposits to total assets | 80.3241% | 5,683 |
| Equity capital to assets | 11.2330% | 2,700 |
| Core capital (leverage) ratio | 10.4906% | 2,789 |
| Tier 1 risk-based capital ratio | 13.4570% | 4,906 |
| Total risk-based capital ratio | 13.7617% | 5,523 |
| Memoranda: | ||
| Average total assets | $206,235,000 | 3,023 |
| Average earning assets | $196,449,500 | 2,940 |
| Average equity | $22,993,000 | 2,922 |
| Average total loans | $146,494,500 | 2,637 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6465% | 465 |
| Cost of funding earning assets | 0.9409% | 1,701 |
| Net interest margin | 4.7056% | 640 |
| Noninterest income to average assets | 0.0444% | 6,712 |
| Noninterest expense to average assets | 1.7438% | 6,683 |
| Loan and lease loss provision to assets | 0.0010% | 5,900 |
| Net operating income to assets | 2.2204% | 247 |
| Return on assets (ROA) | 2.2948% | 230 |
| Pretax return on assets | 2.8492% | 161 |
| Return on Equity (ROE) | 21.0137% | 259 |
| Retained earnings to average equity (ytd only) | 9.5882% | 682 |
| Net charge-offs to loans | 0.0014% | 5,970 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 2,763.5000% | 9 |
| Efficiency ratio | 37.9781% | 6,972 |
| Assets per employee ($millions) | 7.2134% | 704 |
| Cash dividends to net income (ytd only)* | 54.3715% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3494% | 6,924 |
| Loan loss allowance to noncurrent loans | 568.1818% | 734 |
| Noncurrent assets plus other real estate owned to assets | 0.0436% | 6,533 |
| Noncurrent loans to loans | 0.0615% | 6,336 |
| Net loans and leases to total assets | 70.6091% | 1,727 |
| Net loans and leases to deposits | 90.1335% | 1,063 |
| Net loans and leases to core deposits | 96.9543% | 1,229 |
| Total domestic deposits to total assets | 78.3383% | 6,026 |
| Equity capital to assets | 11.0613% | 2,881 |
| Core capital (leverage) ratio | 10.3729% | 2,924 |
| Tier 1 risk-based capital ratio | 13.6374% | 4,650 |
| Total risk-based capital ratio | 13.9602% | 5,258 |
| Memoranda: | ||
| Average total assets | $200,370,400 | 3,038 |
| Average earning assets | $189,818,000 | 2,962 |
| Average equity | $21,881,000 | 2,992 |
| Average total loans | $140,844,800 | 2,704 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3520% | 920 |
| Cost of funding earning assets | 0.9625% | 1,770 |
| Net interest margin | 4.3895% | 1,225 |
| Noninterest income to average assets | 0.0467% | 6,815 |
| Noninterest expense to average assets | 1.6782% | 6,806 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.0356% | 368 |
| Return on assets (ROA) | 2.1349% | 350 |
| Pretax return on assets | 2.6417% | 237 |
| Return on Equity (ROE) | 19.6142% | 351 |
| Retained earnings to average equity (ytd only) | 16.5514% | 169 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.0469% | 7,031 |
| Assets per employee ($millions) | 6.8576% | 793 |
| Cash dividends to net income (ytd only)* | 15.6152% | 3,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3636% | 7,035 |
| Loan loss allowance to noncurrent loans | 1,162.7907% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.0216% | 6,714 |
| Noncurrent loans to loans | 0.0313% | 6,542 |
| Net loans and leases to total assets | 68.8944% | 2,136 |
| Net loans and leases to deposits | 88.2996% | 1,315 |
| Net loans and leases to core deposits | 94.9599% | 1,492 |
| Total domestic deposits to total assets | 78.0234% | 6,070 |
| Equity capital to assets | 11.6136% | 2,632 |
| Core capital (leverage) ratio | 10.7998% | 2,602 |
| Tier 1 risk-based capital ratio | 15.1671% | 3,729 |
| Total risk-based capital ratio | 15.5164% | 4,312 |
| Memoranda: | ||
| Average total assets | $199,969,500 | 3,076 |
| Average earning assets | $189,083,750 | 3,001 |
| Average equity | $21,766,000 | 3,026 |
| Average total loans | $140,278,000 | 2,747 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3317% | 985 |
| Cost of funding earning assets | 0.9850% | 1,854 |
| Net interest margin | 4.3467% | 1,348 |
| Noninterest income to average assets | 0.0489% | 6,860 |
| Noninterest expense to average assets | 1.7151% | 6,826 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.9649% | 417 |
| Return on assets (ROA) | 2.0765% | 388 |
| Pretax return on assets | 2.5777% | 272 |
| Return on Equity (ROE) | 19.5098% | 386 |
| Retained earnings to average equity (ytd only) | 16.8459% | 190 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.1249% | 7,062 |
| Assets per employee ($millions) | 7.2716% | 640 |
| Cash dividends to net income (ytd only)* | 13.6538% | 3,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3641% | 7,095 |
| Loan loss allowance to noncurrent loans | 1,428.5714% | 323 |
| Noncurrent assets plus other real estate owned to assets | 0.0172% | 6,787 |
| Noncurrent loans to loans | 0.0255% | 6,630 |
| Net loans and leases to total assets | 67.2076% | 2,426 |
| Net loans and leases to deposits | 87.3717% | 1,433 |
| Net loans and leases to core deposits | 94.0635% | 1,595 |
| Total domestic deposits to total assets | 76.9215% | 6,335 |
| Equity capital to assets | 10.9211% | 3,204 |
| Core capital (leverage) ratio | 10.2395% | 3,103 |
| Tier 1 risk-based capital ratio | 14.2650% | 4,258 |
| Total risk-based capital ratio | 14.6080% | 4,887 |
| Memoranda: | ||
| Average total assets | $200,335,670 | 3,078 |
| Average earning assets | $189,245,000 | 3,006 |
| Average equity | $21,322,670 | 3,070 |
| Average total loans | $141,200,330 | 2,755 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3498% | 1,009 |
| Cost of funding earning assets | 1.0434% | 1,721 |
| Net interest margin | 4.3064% | 1,451 |
| Noninterest income to average assets | 0.0423% | 6,967 |
| Noninterest expense to average assets | 1.7071% | 6,889 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.9371% | 471 |
| Return on assets (ROA) | 2.0252% | 457 |
| Pretax return on assets | 2.4982% | 333 |
| Return on Equity (ROE) | 19.2850% | 428 |
| Retained earnings to average equity (ytd only) | 19.2850% | 208 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.4914% | 7,096 |
| Assets per employee ($millions) | 7.1388% | 707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3444% | 7,156 |
| Loan loss allowance to noncurrent loans | 1,315.7895% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.0190% | 6,862 |
| Noncurrent loans to loans | 0.0262% | 6,707 |
| Net loans and leases to total assets | 72.3816% | 1,330 |
| Net loans and leases to deposits | 97.1496% | 475 |
| Net loans and leases to core deposits | 103.7081% | 783 |
| Total domestic deposits to total assets | 74.5053% | 6,699 |
| Equity capital to assets | 10.6901% | 3,282 |
| Core capital (leverage) ratio | 10.1491% | 3,178 |
| Tier 1 risk-based capital ratio | 13.0726% | 5,151 |
| Total risk-based capital ratio | 13.3997% | 5,841 |
| Memoranda: | ||
| Average total assets | $198,701,000 | 3,119 |
| Average earning assets | $187,072,000 | 3,053 |
| Average equity | $20,866,000 | 3,123 |
| Average total loans | $143,131,500 | 2,732 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6241% | 911 |
| Cost of funding earning assets | 1.1894% | 2,095 |
| Net interest margin | 4.4348% | 1,303 |
| Noninterest income to average assets | 0.1163% | 6,565 |
| Noninterest expense to average assets | 1.7535% | 7,006 |
| Loan and lease loss provision to assets | 0.0054% | 6,454 |
| Net operating income to assets | 2.0754% | 269 |
| Return on assets (ROA) | 2.0839% | 287 |
| Pretax return on assets | 2.5510% | 191 |
| Return on Equity (ROE) | 20.2902% | 254 |
| Retained earnings to average equity (ytd only) | 15.0255% | 129 |
| Net charge-offs to loans | 0.0074% | 6,325 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 470.9000% | 72 |
| Efficiency ratio | 39.6630% | 7,219 |
| Assets per employee ($millions) | 7.3154% | 625 |
| Cash dividends to net income (ytd only)* | 25.9471% | 3,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3544% | 7,195 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 71.1751% | 1,793 |
| Net loans and leases to deposits | 97.3135% | 605 |
| Net loans and leases to core deposits | 104.1379% | 898 |
| Total domestic deposits to total assets | 73.1400% | 6,796 |
| Equity capital to assets | 10.3100% | 3,770 |
| Core capital (leverage) ratio | 9.4381% | 4,128 |
| Tier 1 risk-based capital ratio | 12.9135% | 5,145 |
| Total risk-based capital ratio | 13.2541% | 5,806 |
| Memoranda: | ||
| Average total assets | $184,945,000 | 3,260 |
| Average earning assets | $174,462,400 | 3,168 |
| Average equity | $18,994,400 | 3,281 |
| Average total loans | $135,510,400 | 2,888 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5648% | 1,106 |
| Cost of funding earning assets | 1.2061% | 2,282 |
| Net interest margin | 4.3588% | 1,533 |
| Noninterest income to average assets | 0.1327% | 6,591 |
| Noninterest expense to average assets | 1.7264% | 7,070 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.8283% | 492 |
| Return on assets (ROA) | 1.8283% | 534 |
| Pretax return on assets | 2.5199% | 237 |
| Return on Equity (ROE) | 17.8207% | 472 |
| Retained earnings to average equity (ytd only) | 14.9614% | 231 |
| Net charge-offs to loans | 0.0099% | 6,019 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 343.6774% | 111 |
| Efficiency ratio | 39.2919% | 7,274 |
| Assets per employee ($millions) | 7.1781% | 674 |
| Cash dividends to net income (ytd only)* | 16.0449% | 3,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3581% | 7,256 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 70.3436% | 2,009 |
| Net loans and leases to deposits | 96.0937% | 691 |
| Net loans and leases to core deposits | 103.2669% | 1,017 |
| Total domestic deposits to total assets | 73.2031% | 6,834 |
| Equity capital to assets | 10.1605% | 4,143 |
| Core capital (leverage) ratio | 9.3428% | 4,389 |
| Tier 1 risk-based capital ratio | 12.0953% | 5,824 |
| Total risk-based capital ratio | 12.4212% | 6,434 |
| Memoranda: | ||
| Average total assets | $181,802,000 | 3,324 |
| Average earning assets | $171,573,500 | 3,224 |
| Average equity | $18,652,000 | 3,329 |
| Average total loans | $134,117,250 | 2,940 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4099% | 1,531 |
| Cost of funding earning assets | 1.2157% | 2,471 |
| Net interest margin | 4.1942% | 2,062 |
| Noninterest income to average assets | 0.1485% | 6,584 |
| Noninterest expense to average assets | 1.7885% | 7,096 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.6580% | 653 |
| Return on assets (ROA) | 1.6580% | 697 |
| Pretax return on assets | 2.3183% | 338 |
| Return on Equity (ROE) | 16.1046% | 658 |
| Retained earnings to average equity (ytd only) | 16.1046% | 201 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.9885% | 7,299 |
| Assets per employee ($millions) | 7.2818% | 638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3814% | 7,304 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0106% | 7,098 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 68.9868% | 2,417 |
| Net loans and leases to deposits | 91.9705% | 1,063 |
| Net loans and leases to core deposits | 98.8107% | 1,445 |
| Total domestic deposits to total assets | 75.0098% | 6,723 |
| Equity capital to assets | 10.0858% | 4,036 |
| Core capital (leverage) ratio | 9.5832% | 3,840 |
| Tier 1 risk-based capital ratio | 12.8679% | 5,029 |
| Total risk-based capital ratio | 13.2347% | 5,768 |
| Memoranda: | ||
| Average total assets | $177,799,330 | 3,403 |
| Average earning assets | $167,803,000 | 3,314 |
| Average equity | $18,305,330 | 3,370 |
| Average total loans | $133,215,330 | 2,978 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6127% | 1,031 |
| Cost of funding earning assets | 1.2412% | 2,562 |
| Net interest margin | 4.3714% | 1,363 |
| Noninterest income to average assets | 0.2418% | 5,967 |
| Noninterest expense to average assets | 1.8787% | 7,026 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.6485% | 628 |
| Return on assets (ROA) | 1.6485% | 662 |
| Pretax return on assets | 2.4902% | 249 |
| Return on Equity (ROE) | 15.8343% | 696 |
| Retained earnings to average equity (ytd only) | 15.8343% | 331 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.5114% | 7,360 |
| Assets per employee ($millions) | 7.0100% | 731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3640% | 7,367 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0114% | 7,168 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 78.0924% | 717 |
| Net loans and leases to deposits | 103.1357% | 339 |
| Net loans and leases to core deposits | 108.1771% | 838 |
| Total domestic deposits to total assets | 75.7181% | 6,711 |
| Equity capital to assets | 10.3966% | 3,284 |
| Core capital (leverage) ratio | 9.7176% | 3,500 |
| Tier 1 risk-based capital ratio | 11.9552% | 5,737 |
| Total risk-based capital ratio | 12.3121% | 6,442 |
| Memoranda: | ||
| Average total assets | $172,036,000 | 3,518 |
| Average earning assets | $162,418,000 | 3,415 |
| Average equity | $17,910,500 | 3,409 |
| Average total loans | $134,268,000 | 3,000 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1698% | 609 |
| Cost of funding earning assets | 1.4697% | 2,824 |
| Net interest margin | 4.7001% | 816 |
| Noninterest income to average assets | 0.0656% | 7,040 |
| Noninterest expense to average assets | 1.9789% | 7,057 |
| Loan and lease loss provision to assets | 0.0444% | 6,718 |
| Net operating income to assets | 1.7696% | 451 |
| Return on assets (ROA) | 1.7696% | 491 |
| Pretax return on assets | 2.4725% | 192 |
| Return on Equity (ROE) | 16.8491% | 494 |
| Retained earnings to average equity (ytd only) | 11.4945% | 328 |
| Net charge-offs to loans | 0.0009% | 6,848 |
| Credit loss provision to net charge-offs | 7,100.0000% | 20 |
| Earnings coverage of net charge-offs (x) | 4,028.0000% | 2 |
| Efficiency ratio | 42.0709% | 7,462 |
| Assets per employee ($millions) | 6.7529% | 841 |
| Cash dividends to net income (ytd only)* | 31.7797% | 2,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3812% | 7,437 |
| 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 | 77.4064% | 1,032 |
| Net loans and leases to deposits | 103.6724% | 412 |
| Net loans and leases to core deposits | 109.6135% | 942 |
| Total domestic deposits to total assets | 74.6644% | 6,811 |
| Equity capital to assets | 10.4258% | 3,239 |
| Core capital (leverage) ratio | 9.5903% | 3,572 |
| Tier 1 risk-based capital ratio | 11.3363% | 6,051 |
| Total risk-based capital ratio | 11.6902% | 6,715 |
| Memoranda: | ||
| Average total assets | $160,038,400 | 3,699 |
| Average earning assets | $150,848,000 | 3,623 |
| Average equity | $16,808,000 | 3,626 |
| Average total loans | $117,079,000 | 3,380 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0253% | 888 |
| Cost of funding earning assets | 1.5278% | 2,787 |
| Net interest margin | 4.4974% | 1,262 |
| Noninterest income to average assets | 0.3497% | 5,374 |
| Noninterest expense to average assets | 1.9344% | 7,159 |
| Loan and lease loss provision to assets | 0.0177% | 6,874 |
| Net operating income to assets | 1.8313% | 463 |
| Return on assets (ROA) | 1.8313% | 511 |
| Pretax return on assets | 2.6321% | 190 |
| Return on Equity (ROE) | 17.4030% | 546 |
| Retained earnings to average equity (ytd only) | 14.9948% | 209 |
| Net charge-offs to loans | 0.0012% | 6,662 |
| Credit loss provision to net charge-offs | 2,100.0000% | 148 |
| Earnings coverage of net charge-offs (x) | 3,144.7820% | 5 |
| Efficiency ratio | 40.1511% | 7,580 |
| Assets per employee ($millions) | 6.5028% | 966 |
| Cash dividends to net income (ytd only)* | 13.8377% | 3,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3664% | 7,557 |
| Loan loss allowance to noncurrent loans | 2,250.0000% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.0123% | 7,336 |
| Noncurrent loans to loans | 0.0163% | 7,220 |
| Net loans and leases to total assets | 75.2728% | 1,538 |
| Net loans and leases to deposits | 105.3832% | 386 |
| Net loans and leases to core deposits | 107.6878% | 1,189 |
| Total domestic deposits to total assets | 71.4277% | 7,190 |
| Equity capital to assets | 10.9024% | 3,051 |
| Core capital (leverage) ratio | 9.9502% | 3,297 |
| Tier 1 risk-based capital ratio | 11.8216% | 5,621 |
| Total risk-based capital ratio | 12.1558% | 6,439 |
| Memoranda: | ||
| Average total assets | $157,842,500 | 3,800 |
| Average earning assets | $148,614,750 | 3,710 |
| Average equity | $16,609,750 | 3,706 |
| Average total loans | $113,554,000 | 3,512 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8758% | 1,240 |
| Cost of funding earning assets | 1.5770% | 2,790 |
| Net interest margin | 4.2988% | 1,785 |
| Noninterest income to average assets | 0.3315% | 5,510 |
| Noninterest expense to average assets | 1.9160% | 7,242 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.7598% | 516 |
| Return on assets (ROA) | 1.7598% | 567 |
| Pretax return on assets | 2.4625% | 246 |
| Return on Equity (ROE) | 16.9352% | 577 |
| Retained earnings to average equity (ytd only) | 15.7036% | 205 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.5376% | 7,610 |
| Assets per employee ($millions) | 6.5960% | 921 |
| Cash dividends to net income (ytd only)* | 7.2727% | 3,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3738% | 7,615 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 72.2176% | 2,340 |
| Net loans and leases to deposits | 97.6945% | 906 |
| Net loans and leases to core deposits | 103.3026% | 1,703 |
| Total domestic deposits to total assets | 73.9219% | 6,984 |
| Equity capital to assets | 10.7192% | 3,158 |
| Core capital (leverage) ratio | 9.7695% | 3,450 |
| Tier 1 risk-based capital ratio | 12.6647% | 4,716 |
| Total risk-based capital ratio | 13.0200% | 5,488 |
| Memoranda: | ||
| Average total assets | $156,266,670 | 3,855 |
| Average earning assets | $147,111,000 | 3,761 |
| Average equity | $16,238,330 | 3,759 |
| Average total loans | $110,465,000 | 3,620 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7367% | 1,650 |
| Cost of funding earning assets | 1.6074% | 2,918 |
| Net interest margin | 4.1293% | 2,324 |
| Noninterest income to average assets | 0.3040% | 5,719 |
| Noninterest expense to average assets | 1.9582% | 7,236 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.4094% | 1,053 |
| Return on assets (ROA) | 1.4094% | 1,123 |
| Pretax return on assets | 2.2313% | 402 |
| Return on Equity (ROE) | 13.7844% | 1,091 |
| Retained earnings to average equity (ytd only) | 13.7844% | 531 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4034% | 7,608 |
| Assets per employee ($millions) | 6.4340% | 1,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3822% | 7,699 |
| 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 | 72.5771% | 2,305 |
| Net loans and leases to deposits | 98.4651% | 867 |
| Net loans and leases to core deposits | 101.7292% | 1,946 |
| Total domestic deposits to total assets | 73.7085% | 7,083 |
| Equity capital to assets | 10.4426% | 3,303 |
| Core capital (leverage) ratio | 9.3150% | 4,026 |
| Tier 1 risk-based capital ratio | 11.7886% | 5,408 |
| Total risk-based capital ratio | 12.1376% | 6,238 |
| Memoranda: | ||
| Average total assets | $155,247,500 | 3,923 |
| Average earning assets | $146,078,000 | 3,834 |
| Average equity | $15,873,000 | 3,852 |
| Average total loans | $108,321,000 | 3,727 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9471% | 2,055 |
| Cost of funding earning assets | 1.8185% | 3,891 |
| Net interest margin | 4.1286% | 2,321 |
| Noninterest income to average assets | 0.3090% | 5,871 |
| Noninterest expense to average assets | 1.8594% | 7,558 |
| Loan and lease loss provision to assets | 0.0146% | 7,348 |
| Net operating income to assets | 1.6485% | 486 |
| Return on assets (ROA) | 1.6485% | 518 |
| Pretax return on assets | 2.3889% | 188 |
| Return on Equity (ROE) | 16.0193% | 554 |
| Retained earnings to average equity (ytd only) | 7.6503% | 791 |
| Net charge-offs to loans | 0.0010% | 7,241 |
| Credit loss provision to net charge-offs | 2,000.0000% | 158 |
| Earnings coverage of net charge-offs (x) | 3,282.0000% | 4 |
| Efficiency ratio | 42.7418% | 7,807 |
| Assets per employee ($millions) | 6.5033% | 990 |
| Cash dividends to net income (ytd only)* | 52.2434% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4129% | 7,750 |
| 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 | 66.4480% | 4,046 |
| Net loans and leases to deposits | 89.4717% | 2,308 |
| Net loans and leases to core deposits | 100.1226% | 3,983 |
| Total domestic deposits to total assets | 74.2670% | 6,982 |
| Equity capital to assets | 10.0083% | 3,755 |
| Core capital (leverage) ratio | 8.5163% | 5,255 |
| Tier 1 risk-based capital ratio | 11.5315% | 5,365 |
| Total risk-based capital ratio | 11.8872% | 6,233 |
| Memoranda: | ||
| Average total assets | $136,548,400 | 4,200 |
| Average earning assets | $130,769,600 | 4,069 |
| Average equity | $14,051,800 | 4,237 |
| Average total loans | $97,264,800 | 4,027 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9215% | 2,348 |
| Cost of funding earning assets | 1.8075% | 4,352 |
| Net interest margin | 4.1140% | 2,340 |
| Noninterest income to average assets | 0.2997% | 6,076 |
| Noninterest expense to average assets | 1.7853% | 7,673 |
| Loan and lease loss provision to assets | 0.0203% | 7,153 |
| Net operating income to assets | 1.8167% | 427 |
| Return on assets (ROA) | 1.8167% | 455 |
| Pretax return on assets | 2.4516% | 210 |
| Return on Equity (ROE) | 17.5112% | 497 |
| Retained earnings to average equity (ytd only) | 6.0323% | 1,932 |
| Net charge-offs to loans | 0.0014% | 6,978 |
| Credit loss provision to net charge-offs | 2,000.0000% | 194 |
| Earnings coverage of net charge-offs (x) | 2,447.0602% | 5 |
| Efficiency ratio | 41.9363% | 7,888 |
| Assets per employee ($millions) | 6.5815% | 951 |
| Cash dividends to net income (ytd only)* | 65.5518% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3717% | 7,846 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 72.9610% | 2,807 |
| Net loans and leases to deposits | 105.4082% | 685 |
| Net loans and leases to core deposits | 117.7107% | 2,447 |
| Total domestic deposits to total assets | 69.2176% | 7,482 |
| Equity capital to assets | 9.6001% | 4,619 |
| Core capital (leverage) ratio | 9.5867% | 3,803 |
| Tier 1 risk-based capital ratio | 9.9396% | 7,029 |
| Total risk-based capital ratio | 10.2577% | 7,632 |
| Memoranda: | ||
| Average total assets | $131,665,500 | 4,335 |
| Average earning assets | $126,654,750 | 4,189 |
| Average equity | $13,659,500 | 4,371 |
| Average total loans | $95,545,500 | 4,099 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9224% | 2,487 |
| Cost of funding earning assets | 1.8728% | 4,408 |
| Net interest margin | 4.0496% | 2,504 |
| Noninterest income to average assets | 0.3124% | 6,012 |
| Noninterest expense to average assets | 1.8096% | 7,733 |
| Loan and lease loss provision to assets | 0.0325% | 6,913 |
| Net operating income to assets | 2.3433% | 145 |
| Return on assets (ROA) | 2.3433% | 162 |
| Pretax return on assets | 2.3726% | 263 |
| Return on Equity (ROE) | 21.8878% | 242 |
| Retained earnings to average equity (ytd only) | 5.5328% | 2,232 |
| Net charge-offs to loans | 0.0023% | 6,598 |
| Credit loss provision to net charge-offs | 2,000.0000% | 262 |
| Earnings coverage of net charge-offs (x) | 1,478.0000% | 16 |
| Efficiency ratio | 42.9344% | 7,960 |
| Assets per employee ($millions) | 6.5705% | 941 |
| Cash dividends to net income (ytd only)* | 74.7222% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4433% | 7,850 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 73.4881% | 2,847 |
| Net loans and leases to deposits | 115.2387% | 353 |
| Net loans and leases to core deposits | 125.9570% | 1,880 |
| Total domestic deposits to total assets | 63.7704% | 7,839 |
| Equity capital to assets | 11.2603% | 2,705 |
| Core capital (leverage) ratio | 11.5750% | 2,047 |
| Tier 1 risk-based capital ratio | 12.4420% | 4,563 |
| Total risk-based capital ratio | 12.8193% | 5,246 |
| Memoranda: | ||
| Average total assets | $122,901,670 | 4,558 |
| Average earning assets | $118,431,330 | 4,404 |
| Average equity | $13,158,000 | 4,506 |
| Average total loans | $88,835,000 | 4,309 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0395% | 2,199 |
| Cost of funding earning assets | 1.9559% | 4,348 |
| Net interest margin | 4.0836% | 2,341 |
| Noninterest income to average assets | 0.3203% | 5,886 |
| Noninterest expense to average assets | 1.7396% | 7,778 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.4779% | 143 |
| Return on assets (ROA) | 2.4779% | 172 |
| Pretax return on assets | 2.5083% | 258 |
| Return on Equity (ROE) | 23.8279% | 224 |
| Retained earnings to average equity (ytd only) | 7.6184% | 1,967 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.9524% | 8,025 |
| Assets per employee ($millions) | 5.9306% | 1,238 |
| Cash dividends to net income (ytd only)* | 68.0272% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4808% | 7,846 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 71.7246% | 3,302 |
| Net loans and leases to deposits | 105.2323% | 924 |
| Net loans and leases to core deposits | 115.3421% | 2,868 |
| Total domestic deposits to total assets | 68.1584% | 7,586 |
| Equity capital to assets | 10.4138% | 3,556 |
| Core capital (leverage) ratio | 9.6789% | 3,783 |
| Tier 1 risk-based capital ratio | 11.6387% | 5,261 |
| Total risk-based capital ratio | 12.0530% | 5,992 |
| Memoranda: | ||
| Average total assets | $118,648,000 | 4,691 |
| Average earning assets | $114,115,500 | 4,529 |
| Average equity | $12,338,500 | 4,741 |
| Average total loans | $84,752,500 | 4,469 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7981% | 1,680 |
| Cost of funding earning assets | 2.7228% | 3,050 |
| Net interest margin | 4.0753% | 2,812 |
| Noninterest income to average assets | 0.3496% | 5,934 |
| Noninterest expense to average assets | 1.7644% | 7,793 |
| Loan and lease loss provision to assets | 0.0090% | 7,259 |
| Net operating income to assets | 2.4511% | 140 |
| Return on assets (ROA) | 2.4511% | 139 |
| Pretax return on assets | 2.4835% | 205 |
| Return on Equity (ROE) | 25.5495% | 125 |
| Retained earnings to average equity (ytd only) | 17.4901% | 53 |
| Net charge-offs to loans | 0.0259% | 6,471 |
| Credit loss provision to net charge-offs | 50.0000% | 6,349 |
| Earnings coverage of net charge-offs (x) | 138.3000% | 329 |
| Efficiency ratio | 41.4479% | 8,090 |
| Assets per employee ($millions) | 5.9342% | 1,168 |
| Cash dividends to net income (ytd only)* | 31.5441% | 4,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4892% | 7,867 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 70.4467% | 3,914 |
| Net loans and leases to deposits | 112.0749% | 701 |
| Net loans and leases to core deposits | 121.0234% | 2,600 |
| Total domestic deposits to total assets | 62.8568% | 7,842 |
| Equity capital to assets | 10.3847% | 3,632 |
| Core capital (leverage) ratio | 9.1844% | 4,470 |
| Tier 1 risk-based capital ratio | 11.0344% | 5,693 |
| Total risk-based capital ratio | 11.4353% | 6,400 |
| Memoranda: | ||
| Average total assets | $110,971,000 | 4,752 |
| Average earning assets | $106,397,200 | 4,607 |
| Average equity | $10,646,000 | 5,227 |
| Average total loans | $77,318,800 | 4,607 |