Home > Peoples State Bank of Hallettsville > Performance and Condition Ratios
Peoples State Bank of Hallettsville, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7997% | 4,182 |
| Cost of funding earning assets | 1.9234% | 1,032 |
| Net interest margin | 1.8763% | 4,447 |
| Noninterest income to average assets | 0.0700% | 4,379 |
| Noninterest expense to average assets | 1.1932% | 4,465 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6157% | 3,403 |
| Return on assets (ROA) | 0.6095% | 3,406 |
| Pretax return on assets | 0.6754% | 3,490 |
| Return on Equity (ROE) | 9.0700% | 2,740 |
| Retained earnings to average equity (ytd only) | 4.1497% | 2,903 |
| Net charge-offs to loans | 0.0423% | 1,477 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 44.2321% | 1,375 |
| Efficiency ratio | 63.6217% | 2,651 |
| Assets per employee ($millions) | 14.3290% | 238 |
| Cash dividends to net income (ytd only)* | 54.2250% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8955% | 3,726 |
| Loan loss allowance to noncurrent loans | 2,010.0000% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.0155% | 3,649 |
| Noncurrent loans to loans | 0.0446% | 3,403 |
| Net loans and leases to total assets | 34.5000% | 4,201 |
| Net loans and leases to deposits | 38.6656% | 4,225 |
| Net loans and leases to core deposits | 44.8371% | 4,184 |
| Total domestic deposits to total assets | 89.2200% | 996 |
| Equity capital to assets | 7.0003% | 3,937 |
| Core capital (leverage) ratio | 9.4038% | 3,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $363,059,600 | 2,150 |
| Average earning assets | $348,709,200 | 2,098 |
| Average equity | $24,411,400 | 2,551 |
| Average total loans | $132,429,400 | 2,840 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6807% | 4,229 |
| Cost of funding earning assets | 1.7798% | 1,044 |
| Net interest margin | 1.9009% | 4,469 |
| Noninterest income to average assets | 0.0700% | 4,402 |
| Noninterest expense to average assets | 1.2269% | 4,473 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6187% | 3,495 |
| Return on assets (ROA) | 0.6101% | 3,509 |
| Pretax return on assets | 0.6601% | 3,623 |
| Return on Equity (ROE) | 9.1800% | 2,880 |
| Retained earnings to average equity (ytd only) | 9.1756% | 1,643 |
| Net charge-offs to loans | 0.0576% | 1,093 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 31.4561% | 1,570 |
| Efficiency ratio | 64.6978% | 2,421 |
| Assets per employee ($millions) | 13.4989% | 273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9259% | 3,645 |
| Loan loss allowance to noncurrent loans | 2,008.0645% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.0170% | 3,661 |
| Noncurrent loans to loans | 0.0461% | 3,424 |
| Net loans and leases to total assets | 36.5500% | 4,165 |
| Net loans and leases to deposits | 40.6290% | 4,190 |
| Net loans and leases to core deposits | 47.4426% | 4,100 |
| Total domestic deposits to total assets | 89.9700% | 946 |
| Equity capital to assets | 6.0112% | 3,987 |
| Core capital (leverage) ratio | 9.8453% | 2,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $357,103,750 | 2,174 |
| Average earning assets | $342,351,250 | 2,125 |
| Average equity | $23,743,500 | 2,582 |
| Average total loans | $131,870,250 | 2,847 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4631% | 4,379 |
| Cost of funding earning assets | 1.6009% | 1,067 |
| Net interest margin | 1.8622% | 4,523 |
| Noninterest income to average assets | 0.0700% | 4,429 |
| Noninterest expense to average assets | 1.2232% | 4,511 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5911% | 3,596 |
| Return on assets (ROA) | 0.5780% | 3,641 |
| Pretax return on assets | 0.6209% | 3,756 |
| Return on Equity (ROE) | 8.4200% | 3,136 |
| Retained earnings to average equity (ytd only) | 8.4172% | 1,844 |
| Net charge-offs to loans | 0.0260% | 1,363 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 66.2353% | 1,140 |
| Efficiency ratio | 65.8270% | 2,264 |
| Assets per employee ($millions) | 14.7475% | 206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9656% | 3,551 |
| Loan loss allowance to noncurrent loans | 959.7015% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.0349% | 3,435 |
| Noncurrent loans to loans | 0.1006% | 2,982 |
| Net loans and leases to total assets | 34.4000% | 4,229 |
| Net loans and leases to deposits | 38.3907% | 4,247 |
| Net loans and leases to core deposits | 45.8546% | 4,133 |
| Total domestic deposits to total assets | 89.6100% | 1,048 |
| Equity capital to assets | 6.6079% | 3,948 |
| Core capital (leverage) ratio | 10.1153% | 2,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $354,648,667 | 2,184 |
| Average earning assets | $340,680,667 | 2,139 |
| Average equity | $24,355,000 | 2,549 |
| Average total loans | $131,004,333 | 2,855 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3773% | 4,388 |
| Cost of funding earning assets | 1.4296% | 971 |
| Net interest margin | 1.9477% | 4,574 |
| Noninterest income to average assets | 0.0700% | 4,475 |
| Noninterest expense to average assets | 1.2673% | 4,556 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6269% | 3,642 |
| Return on assets (ROA) | 0.5996% | 3,656 |
| Pretax return on assets | 0.6430% | 3,773 |
| Return on Equity (ROE) | 8.5500% | 3,168 |
| Retained earnings to average equity (ytd only) | 8.5484% | 2,070 |
| Net charge-offs to loans | 0.1663% | 426 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 10.5926% | 1,656 |
| Efficiency ratio | 65.3333% | 2,292 |
| Assets per employee ($millions) | 13.1130% | 303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9473% | 3,725 |
| Loan loss allowance to noncurrent loans | 904.3478% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.0405% | 3,382 |
| Noncurrent loans to loans | 0.1048% | 3,014 |
| Net loans and leases to total assets | 38.2700% | 4,105 |
| Net loans and leases to deposits | 41.4625% | 4,180 |
| Net loans and leases to core deposits | 51.8801% | 3,920 |
| Total domestic deposits to total assets | 92.3100% | 441 |
| Equity capital to assets | 7.3553% | 3,642 |
| Core capital (leverage) ratio | 10.3162% | 2,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $340,255,000 | 2,272 |
| Average earning assets | $326,534,500 | 2,228 |
| Average equity | $23,864,000 | 2,610 |
| Average total loans | $129,912,500 | 2,891 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9133% | 4,226 |
| Cost of funding earning assets | 0.5994% | 904 |
| Net interest margin | 2.3139% | 4,419 |
| Noninterest income to average assets | 0.0800% | 4,504 |
| Noninterest expense to average assets | 1.2334% | 4,594 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9493% | 2,774 |
| Return on assets (ROA) | 0.8281% | 3,151 |
| Pretax return on assets | 0.9243% | 3,286 |
| Return on Equity (ROE) | 10.2500% | 2,734 |
| Retained earnings to average equity (ytd only) | 4.4014% | 3,267 |
| Net charge-offs to loans | 0.0033% | 2,356 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 896.7500% | 200 |
| Efficiency ratio | 53.8055% | 3,810 |
| Assets per employee ($millions) | 13.0604% | 300 |
| Cash dividends to net income (ytd only)* | 57.0410% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6527% | 4,284 |
| Loan loss allowance to noncurrent loans | 557.3333% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.0442% | 3,367 |
| Noncurrent loans to loans | 0.1171% | 2,941 |
| Net loans and leases to total assets | 37.4700% | 4,163 |
| Net loans and leases to deposits | 40.2563% | 4,239 |
| Net loans and leases to core deposits | 50.5245% | 3,961 |
| Total domestic deposits to total assets | 93.0900% | 384 |
| Equity capital to assets | 6.6705% | 3,831 |
| Core capital (leverage) ratio | 10.1277% | 2,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $338,729,600 | 2,266 |
| Average earning assets | $323,655,600 | 2,223 |
| Average equity | $27,377,400 | 2,458 |
| Average total loans | $121,633,200 | 2,901 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8021% | 4,195 |
| Cost of funding earning assets | 0.4329% | 1,085 |
| Net interest margin | 2.3692% | 4,358 |
| Noninterest income to average assets | 0.0800% | 4,530 |
| Noninterest expense to average assets | 1.2509% | 4,603 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9689% | 2,599 |
| Return on assets (ROA) | 0.9338% | 2,709 |
| Pretax return on assets | 1.0563% | 2,854 |
| Return on Equity (ROE) | 11.0700% | 2,354 |
| Retained earnings to average equity (ytd only) | 11.0692% | 1,036 |
| Net charge-offs to loans | 0.0056% | 1,966 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 556.6000% | 286 |
| Efficiency ratio | 53.2975% | 3,886 |
| Assets per employee ($millions) | 12.9582% | 300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6676% | 4,308 |
| Loan loss allowance to noncurrent loans | 538.7097% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.0460% | 3,443 |
| Noncurrent loans to loans | 0.1239% | 3,026 |
| Net loans and leases to total assets | 36.8800% | 4,188 |
| Net loans and leases to deposits | 39.6835% | 4,246 |
| Net loans and leases to core deposits | 48.8562% | 4,007 |
| Total domestic deposits to total assets | 92.9200% | 602 |
| Equity capital to assets | 6.4631% | 3,762 |
| Core capital (leverage) ratio | 10.5998% | 2,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $338,519,250 | 2,278 |
| Average earning assets | $323,367,250 | 2,238 |
| Average equity | $28,559,000 | 2,431 |
| Average total loans | $120,020,250 | 2,925 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7058% | 4,132 |
| Cost of funding earning assets | 0.3389% | 1,376 |
| Net interest margin | 2.3669% | 4,265 |
| Noninterest income to average assets | 0.0790% | 4,556 |
| Noninterest expense to average assets | 1.2541% | 4,609 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9627% | 2,302 |
| Return on assets (ROA) | 0.9627% | 2,277 |
| Pretax return on assets | 1.0948% | 2,430 |
| Return on Equity (ROE) | 10.5904% | 2,142 |
| Retained earnings to average equity (ytd only) | 10.5904% | 880 |
| Net charge-offs to loans | 0.0017% | 2,058 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 1,856.0000% | 55 |
| Efficiency ratio | 53.3903% | 4,015 |
| Assets per employee ($millions) | 12.4941% | 329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6948% | 4,341 |
| Loan loss allowance to noncurrent loans | 490.0585% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.0507% | 3,482 |
| Noncurrent loans to loans | 0.1418% | 2,994 |
| Net loans and leases to total assets | 35.5067% | 4,269 |
| Net loans and leases to deposits | 38.6784% | 4,308 |
| Net loans and leases to core deposits | 47.5570% | 4,049 |
| Total domestic deposits to total assets | 91.7997% | 927 |
| Equity capital to assets | 7.6285% | 3,389 |
| Core capital (leverage) ratio | 10.4867% | 1,953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $339,055,000 | 2,293 |
| Average earning assets | $325,155,000 | 2,251 |
| Average equity | $30,820,333 | 2,381 |
| Average total loans | $118,335,667 | 2,966 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6307% | 4,068 |
| Cost of funding earning assets | 0.2926% | 1,727 |
| Net interest margin | 2.3381% | 4,174 |
| Noninterest income to average assets | 0.0741% | 4,595 |
| Noninterest expense to average assets | 1.2850% | 4,626 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9144% | 2,230 |
| Return on assets (ROA) | 0.9144% | 2,229 |
| Pretax return on assets | 1.0462% | 2,307 |
| Return on Equity (ROE) | 9.3156% | 2,209 |
| Retained earnings to average equity (ytd only) | 9.3156% | 1,181 |
| Net charge-offs to loans | 0.0034% | 1,657 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 889.0000% | 102 |
| Efficiency ratio | 55.1237% | 3,959 |
| Assets per employee ($millions) | 13.5420% | 275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7096% | 4,371 |
| Loan loss allowance to noncurrent loans | 462.9834% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 0.0535% | 3,510 |
| Noncurrent loans to loans | 0.1533% | 3,036 |
| Net loans and leases to total assets | 34.6370% | 4,279 |
| Net loans and leases to deposits | 38.2451% | 4,316 |
| Net loans and leases to core deposits | 49.1156% | 3,922 |
| Total domestic deposits to total assets | 90.5660% | 1,261 |
| Equity capital to assets | 8.8563% | 2,829 |
| Core capital (leverage) ratio | 10.3855% | 1,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $339,911,500 | 2,299 |
| Average earning assets | $328,127,000 | 2,250 |
| Average equity | $33,363,500 | 2,313 |
| Average total loans | $117,195,000 | 2,968 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0054% | 3,865 |
| Cost of funding earning assets | 0.3626% | 1,832 |
| Net interest margin | 2.6428% | 3,975 |
| Noninterest income to average assets | 0.0767% | 4,665 |
| Noninterest expense to average assets | 1.4902% | 4,552 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9869% | 2,728 |
| Return on assets (ROA) | 0.9869% | 2,794 |
| Pretax return on assets | 1.1415% | 2,846 |
| Return on Equity (ROE) | 8.6663% | 3,026 |
| Retained earnings to average equity (ytd only) | 4.3574% | 3,067 |
| Net charge-offs to loans | 0.0018% | 2,591 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 1,861.0000% | 76 |
| Efficiency ratio | 56.6251% | 3,623 |
| Assets per employee ($millions) | 13.1258% | 304 |
| Cash dividends to net income (ytd only)* | 49.7203% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7215% | 4,388 |
| Loan loss allowance to noncurrent loans | 415.3465% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.0592% | 3,571 |
| Noncurrent loans to loans | 0.1737% | 3,083 |
| Net loans and leases to total assets | 33.8290% | 4,385 |
| Net loans and leases to deposits | 38.1915% | 4,390 |
| Net loans and leases to core deposits | 49.5587% | 4,029 |
| Total domestic deposits to total assets | 88.5774% | 1,748 |
| Equity capital to assets | 10.7668% | 1,961 |
| Core capital (leverage) ratio | 10.2792% | 2,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $326,061,600 | 2,313 |
| Average earning assets | $315,236,600 | 2,258 |
| Average equity | $37,132,400 | 2,192 |
| Average total loans | $113,896,400 | 3,010 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0883% | 3,838 |
| Cost of funding earning assets | 0.3788% | 1,864 |
| Net interest margin | 2.7095% | 3,948 |
| Noninterest income to average assets | 0.0761% | 4,737 |
| Noninterest expense to average assets | 1.5370% | 4,551 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9963% | 2,924 |
| Return on assets (ROA) | 0.9963% | 2,992 |
| Pretax return on assets | 1.1556% | 3,060 |
| Return on Equity (ROE) | 8.6238% | 3,223 |
| Retained earnings to average equity (ytd only) | 8.6238% | 1,825 |
| Net charge-offs to loans | 0.0024% | 2,290 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 1,396.5000% | 116 |
| Efficiency ratio | 57.0836% | 3,407 |
| Assets per employee ($millions) | 12.4305% | 341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7501% | 4,420 |
| Loan loss allowance to noncurrent loans | 354.0084% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 0.0706% | 3,637 |
| Noncurrent loans to loans | 0.2119% | 3,106 |
| Net loans and leases to total assets | 33.0748% | 4,505 |
| Net loans and leases to deposits | 38.3398% | 4,510 |
| Net loans and leases to core deposits | 48.1431% | 4,229 |
| Total domestic deposits to total assets | 86.2677% | 2,646 |
| Equity capital to assets | 11.3293% | 1,780 |
| Core capital (leverage) ratio | 10.7828% | 1,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $322,259,000 | 2,359 |
| Average earning assets | $311,190,250 | 2,298 |
| Average equity | $37,229,500 | 2,216 |
| Average total loans | $113,298,500 | 3,061 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1143% | 3,833 |
| Cost of funding earning assets | 0.3932% | 1,943 |
| Net interest margin | 2.7211% | 3,939 |
| Noninterest income to average assets | 0.0761% | 4,772 |
| Noninterest expense to average assets | 1.6973% | 4,366 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8760% | 3,286 |
| Return on assets (ROA) | 0.8760% | 3,364 |
| Pretax return on assets | 1.0050% | 3,437 |
| Return on Equity (ROE) | 7.5315% | 3,522 |
| Retained earnings to average equity (ytd only) | 7.5315% | 2,236 |
| Net charge-offs to loans | 0.0035% | 2,040 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 798.5000% | 174 |
| Efficiency ratio | 62.8086% | 2,614 |
| Assets per employee ($millions) | 11.8747% | 367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7262% | 4,491 |
| Loan loss allowance to noncurrent loans | 425.8883% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 0.0592% | 3,838 |
| Noncurrent loans to loans | 0.1705% | 3,362 |
| Net loans and leases to total assets | 34.4938% | 4,523 |
| Net loans and leases to deposits | 39.9668% | 4,519 |
| Net loans and leases to core deposits | 50.6704% | 4,205 |
| Total domestic deposits to total assets | 86.3061% | 2,626 |
| Equity capital to assets | 11.2529% | 1,789 |
| Core capital (leverage) ratio | 10.7817% | 1,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $317,804,000 | 2,369 |
| Average earning assets | $306,709,667 | 2,307 |
| Average equity | $36,964,667 | 2,219 |
| Average total loans | $113,782,667 | 3,071 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2512% | 3,570 |
| Cost of funding earning assets | 0.4121% | 1,999 |
| Net interest margin | 2.8391% | 3,672 |
| Noninterest income to average assets | 0.0760% | 4,781 |
| Noninterest expense to average assets | 1.3296% | 4,804 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2407% | 2,006 |
| Return on assets (ROA) | 1.2407% | 2,090 |
| Pretax return on assets | 1.4804% | 2,048 |
| Return on Equity (ROE) | 10.4846% | 2,540 |
| Retained earnings to average equity (ytd only) | 10.4846% | 1,522 |
| Net charge-offs to loans | 0.0035% | 1,801 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 1,149.0000% | 78 |
| Efficiency ratio | 47.3177% | 4,384 |
| Assets per employee ($millions) | 11.2259% | 420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7282% | 4,525 |
| Loan loss allowance to noncurrent loans | 358.9744% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 0.0744% | 3,838 |
| Noncurrent loans to loans | 0.2029% | 3,383 |
| Net loans and leases to total assets | 36.4317% | 4,485 |
| Net loans and leases to deposits | 43.3127% | 4,452 |
| Net loans and leases to core deposits | 54.9655% | 4,051 |
| Total domestic deposits to total assets | 84.1133% | 3,395 |
| Equity capital to assets | 11.6768% | 1,456 |
| Core capital (leverage) ratio | 11.0738% | 1,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $310,460,000 | 2,392 |
| Average earning assets | $298,963,000 | 2,338 |
| Average equity | $36,739,500 | 2,215 |
| Average total loans | $112,910,000 | 3,086 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9663% | 4,657 |
| Cost of funding earning assets | 0.6577% | 1,945 |
| Net interest margin | 2.3087% | 4,718 |
| Noninterest income to average assets | 0.0743% | 4,808 |
| Noninterest expense to average assets | 1.3371% | 4,862 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.8742% | 2,815 |
| Return on assets (ROA) | 0.8742% | 2,948 |
| Pretax return on assets | 0.9787% | 3,111 |
| Return on Equity (ROE) | 7.2288% | 3,102 |
| Retained earnings to average equity (ytd only) | 2.7424% | 3,487 |
| Net charge-offs to loans | 0.0039% | 3,222 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 721.5000% | 164 |
| Efficiency ratio | 57.7391% | 3,763 |
| Assets per employee ($millions) | 10.9498% | 405 |
| Cash dividends to net income (ytd only)* | 62.0636% | 1,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7613% | 4,494 |
| Loan loss allowance to noncurrent loans | 317.3585% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 0.0864% | 3,897 |
| Noncurrent loans to loans | 0.2399% | 3,337 |
| Net loans and leases to total assets | 35.7556% | 4,597 |
| Net loans and leases to deposits | 42.6405% | 4,571 |
| Net loans and leases to core deposits | 54.4650% | 4,240 |
| Total domestic deposits to total assets | 83.8536% | 3,155 |
| Equity capital to assets | 11.9950% | 1,569 |
| Core capital (leverage) ratio | 10.8058% | 1,934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $294,892,000 | 2,318 |
| Average earning assets | $286,313,800 | 2,253 |
| Average equity | $35,662,800 | 2,196 |
| Average total loans | $102,484,000 | 3,196 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9230% | 4,783 |
| Cost of funding earning assets | 0.7141% | 1,936 |
| Net interest margin | 2.2089% | 4,816 |
| Noninterest income to average assets | 0.0744% | 4,841 |
| Noninterest expense to average assets | 1.2243% | 4,934 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.8951% | 2,728 |
| Return on assets (ROA) | 0.8951% | 2,843 |
| Pretax return on assets | 1.0028% | 3,065 |
| Return on Equity (ROE) | 7.3853% | 3,061 |
| Retained earnings to average equity (ytd only) | 7.3853% | 1,545 |
| Net charge-offs to loans | 0.0040% | 3,022 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 732.0000% | 164 |
| Efficiency ratio | 54.9723% | 4,041 |
| Assets per employee ($millions) | 10.6251% | 419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7454% | 4,493 |
| Loan loss allowance to noncurrent loans | 308.4249% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 0.0886% | 3,990 |
| Noncurrent loans to loans | 0.2417% | 3,437 |
| Net loans and leases to total assets | 36.3860% | 4,667 |
| Net loans and leases to deposits | 44.2645% | 4,650 |
| Net loans and leases to core deposits | 56.6478% | 4,357 |
| Total domestic deposits to total assets | 82.2012% | 3,365 |
| Equity capital to assets | 12.1813% | 1,582 |
| Core capital (leverage) ratio | 11.2406% | 1,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $291,966,250 | 2,315 |
| Average earning assets | $284,536,750 | 2,245 |
| Average equity | $35,384,500 | 2,197 |
| Average total loans | $100,488,500 | 3,231 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9886% | 4,844 |
| Cost of funding earning assets | 0.8003% | 1,824 |
| Net interest margin | 2.1883% | 4,886 |
| Noninterest income to average assets | 0.0754% | 4,854 |
| Noninterest expense to average assets | 1.2450% | 4,961 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.8661% | 2,820 |
| Return on assets (ROA) | 0.8661% | 2,938 |
| Pretax return on assets | 0.9638% | 3,136 |
| Return on Equity (ROE) | 7.1593% | 3,071 |
| Retained earnings to average equity (ytd only) | 7.1593% | 1,591 |
| Net charge-offs to loans | 0.0062% | 2,743 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 460.3333% | 219 |
| Efficiency ratio | 56.3665% | 3,900 |
| Assets per employee ($millions) | 11.2592% | 362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7720% | 4,408 |
| Loan loss allowance to noncurrent loans | 269.8718% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 0.1026% | 4,019 |
| Noncurrent loans to loans | 0.2861% | 3,355 |
| Net loans and leases to total assets | 35.5992% | 4,737 |
| Net loans and leases to deposits | 43.2697% | 4,716 |
| Net loans and leases to core deposits | 57.0070% | 4,400 |
| Total domestic deposits to total assets | 82.2729% | 3,297 |
| Equity capital to assets | 12.0257% | 1,640 |
| Core capital (leverage) ratio | 11.2679% | 1,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $286,579,333 | 2,331 |
| Average earning assets | $279,391,667 | 2,255 |
| Average equity | $34,668,000 | 2,225 |
| Average total loans | $96,332,333 | 3,299 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0943% | 4,916 |
| Cost of funding earning assets | 0.9157% | 1,787 |
| Net interest margin | 2.1786% | 4,969 |
| Noninterest income to average assets | 0.0835% | 4,883 |
| Noninterest expense to average assets | 1.2236% | 5,022 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8724% | 2,608 |
| Return on assets (ROA) | 0.8724% | 2,714 |
| Pretax return on assets | 0.9832% | 2,893 |
| Return on Equity (ROE) | 7.1880% | 2,872 |
| Retained earnings to average equity (ytd only) | 7.1880% | 1,476 |
| Net charge-offs to loans | 0.0044% | 2,416 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 683.0000% | 89 |
| Efficiency ratio | 55.4468% | 4,265 |
| Assets per employee ($millions) | 10.5478% | 329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9142% | 4,063 |
| Loan loss allowance to noncurrent loans | 218.6528% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 0.1408% | 3,945 |
| Noncurrent loans to loans | 0.4181% | 2,993 |
| Net loans and leases to total assets | 33.3553% | 4,844 |
| Net loans and leases to deposits | 38.7034% | 4,857 |
| Net loans and leases to core deposits | 51.9116% | 4,631 |
| Total domestic deposits to total assets | 86.1820% | 1,929 |
| Equity capital to assets | 12.3142% | 1,854 |
| Core capital (leverage) ratio | 11.8796% | 1,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $277,870,000 | 2,337 |
| Average earning assets | $270,817,500 | 2,261 |
| Average equity | $33,723,000 | 2,259 |
| Average total loans | $89,967,000 | 3,398 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1743% | 5,003 |
| Cost of funding earning assets | 1.0205% | 1,634 |
| Net interest margin | 2.1538% | 5,069 |
| Noninterest income to average assets | 0.0838% | 4,963 |
| Noninterest expense to average assets | 1.2429% | 5,082 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8705% | 3,312 |
| Return on assets (ROA) | 0.8705% | 3,407 |
| Pretax return on assets | 0.9388% | 3,635 |
| Return on Equity (ROE) | 7.3518% | 3,420 |
| Retained earnings to average equity (ytd only) | 3.6912% | 3,151 |
| Net charge-offs to loans | 0.0086% | 3,372 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 371.2857% | 241 |
| Efficiency ratio | 56.9702% | 4,094 |
| Assets per employee ($millions) | 11.2598% | 276 |
| Cash dividends to net income (ytd only)* | 49.7925% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9644% | 3,675 |
| Loan loss allowance to noncurrent loans | 176.7782% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 0.1698% | 3,803 |
| Noncurrent loans to loans | 0.5456% | 2,534 |
| Net loans and leases to total assets | 30.8246% | 4,957 |
| Net loans and leases to deposits | 35.3197% | 4,983 |
| Net loans and leases to core deposits | 46.8564% | 4,816 |
| Total domestic deposits to total assets | 87.2730% | 1,474 |
| Equity capital to assets | 11.9629% | 2,156 |
| Core capital (leverage) ratio | 11.5027% | 2,107 |
| Tier 1 risk-based capital ratio | 38.6154% | 263 |
| Total risk-based capital ratio | 39.6314% | 262 |
| Memoranda: | ||
| Average total assets | $276,855,200 | 2,294 |
| Average earning assets | $269,664,000 | 2,210 |
| Average equity | $32,781,000 | 2,256 |
| Average total loans | $81,769,400 | 3,565 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1703% | 5,100 |
| Cost of funding earning assets | 0.9827% | 1,839 |
| Net interest margin | 2.1876% | 5,150 |
| Noninterest income to average assets | 0.0837% | 5,033 |
| Noninterest expense to average assets | 1.2216% | 5,166 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9164% | 3,281 |
| Return on assets (ROA) | 0.9164% | 3,364 |
| Pretax return on assets | 0.9938% | 3,613 |
| Return on Equity (ROE) | 7.7604% | 3,409 |
| Retained earnings to average equity (ytd only) | 7.7604% | 1,507 |
| Net charge-offs to loans | 0.0083% | 3,072 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 410.7841% | 241 |
| Efficiency ratio | 55.1408% | 4,265 |
| Assets per employee ($millions) | 9.8849% | 360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9856% | 3,655 |
| Loan loss allowance to noncurrent loans | 21.8581% | 4,602 |
| Noncurrent assets plus other real estate owned to assets | 1.4000% | 833 |
| Noncurrent loans to loans | 4.5089% | 129 |
| Net loans and leases to total assets | 30.7446% | 5,043 |
| Net loans and leases to deposits | 35.6664% | 5,067 |
| Net loans and leases to core deposits | 46.9979% | 4,896 |
| Total domestic deposits to total assets | 86.2004% | 1,904 |
| Equity capital to assets | 12.5191% | 1,904 |
| Core capital (leverage) ratio | 11.9757% | 1,867 |
| Tier 1 risk-based capital ratio | 38.1799% | 274 |
| Total risk-based capital ratio | 39.1657% | 279 |
| Memoranda: | ||
| Average total assets | $275,695,000 | 2,316 |
| Average earning assets | $268,654,000 | 2,234 |
| Average equity | $32,557,500 | 2,278 |
| Average total loans | $80,308,000 | 3,633 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1513% | 5,168 |
| Cost of funding earning assets | 0.9607% | 1,859 |
| Net interest margin | 2.1906% | 5,208 |
| Noninterest income to average assets | 0.0857% | 5,086 |
| Noninterest expense to average assets | 1.2479% | 5,215 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9007% | 3,279 |
| Return on assets (ROA) | 0.9007% | 3,350 |
| Pretax return on assets | 0.9712% | 3,645 |
| Return on Equity (ROE) | 7.7841% | 3,386 |
| Retained earnings to average equity (ytd only) | 7.7841% | 1,478 |
| Net charge-offs to loans | 0.0128% | 2,680 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 267.4000% | 299 |
| Efficiency ratio | 56.2357% | 4,220 |
| Assets per employee ($millions) | 10.2099% | 318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0259% | 3,474 |
| Loan loss allowance to noncurrent loans | 22.6713% | 4,648 |
| Noncurrent assets plus other real estate owned to assets | 1.3553% | 905 |
| Noncurrent loans to loans | 4.5251% | 134 |
| Net loans and leases to total assets | 29.6428% | 5,103 |
| Net loans and leases to deposits | 34.2073% | 5,125 |
| Net loans and leases to core deposits | 45.6465% | 4,968 |
| Total domestic deposits to total assets | 86.6563% | 1,742 |
| Equity capital to assets | 12.1339% | 2,092 |
| Core capital (leverage) ratio | 11.6243% | 2,076 |
| Tier 1 risk-based capital ratio | 37.0420% | 292 |
| Total risk-based capital ratio | 38.0179% | 293 |
| Memoranda: | ||
| Average total assets | $275,334,330 | 2,327 |
| Average earning assets | $268,144,670 | 2,245 |
| Average equity | $31,860,000 | 2,310 |
| Average total loans | $78,430,330 | 3,686 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0918% | 5,243 |
| Cost of funding earning assets | 0.9213% | 1,914 |
| Net interest margin | 2.1705% | 5,284 |
| Noninterest income to average assets | 0.0843% | 5,135 |
| Noninterest expense to average assets | 1.2269% | 5,277 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9013% | 3,231 |
| Return on assets (ROA) | 0.9013% | 3,282 |
| Pretax return on assets | 0.9739% | 3,524 |
| Return on Equity (ROE) | 7.9831% | 3,274 |
| Retained earnings to average equity (ytd only) | 7.9831% | 1,668 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7464% | 4,367 |
| Assets per employee ($millions) | 10.2333% | 315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0694% | 3,301 |
| Loan loss allowance to noncurrent loans | 22.3975% | 4,713 |
| Noncurrent assets plus other real estate owned to assets | 1.3768% | 920 |
| Noncurrent loans to loans | 4.7748% | 127 |
| Net loans and leases to total assets | 28.5259% | 5,174 |
| Net loans and leases to deposits | 32.6562% | 5,185 |
| Net loans and leases to core deposits | 41.9623% | 5,082 |
| Total domestic deposits to total assets | 87.3522% | 1,640 |
| Equity capital to assets | 11.5523% | 2,352 |
| Core capital (leverage) ratio | 11.4911% | 2,143 |
| Tier 1 risk-based capital ratio | 35.7339% | 304 |
| Total risk-based capital ratio | 36.6995% | 307 |
| Memoranda: | ||
| Average total assets | $275,168,500 | 2,342 |
| Average earning assets | $268,322,000 | 2,251 |
| Average equity | $31,065,500 | 2,354 |
| Average total loans | $76,364,500 | 3,762 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8332% | 5,281 |
| Cost of funding earning assets | 0.7280% | 1,918 |
| Net interest margin | 2.1052% | 5,325 |
| Noninterest income to average assets | 0.0885% | 5,183 |
| Noninterest expense to average assets | 1.2745% | 5,307 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8449% | 3,624 |
| Return on assets (ROA) | 0.8526% | 3,593 |
| Pretax return on assets | 0.8518% | 4,032 |
| Return on Equity (ROE) | 7.7569% | 3,546 |
| Retained earnings to average equity (ytd only) | 4.0154% | 3,358 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1560% | 3,833 |
| Assets per employee ($millions) | 9.7870% | 364 |
| Cash dividends to net income (ytd only)* | 48.2343% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1662% | 2,739 |
| Loan loss allowance to noncurrent loans | 22.1126% | 4,730 |
| Noncurrent assets plus other real estate owned to assets | 1.4060% | 861 |
| Noncurrent loans to loans | 5.2737% | 98 |
| Net loans and leases to total assets | 26.3497% | 5,251 |
| Net loans and leases to deposits | 29.9870% | 5,268 |
| Net loans and leases to core deposits | 37.7260% | 5,200 |
| Total domestic deposits to total assets | 87.8706% | 1,360 |
| Equity capital to assets | 11.0248% | 2,661 |
| Core capital (leverage) ratio | 11.3427% | 2,232 |
| Tier 1 risk-based capital ratio | 36.0447% | 296 |
| Total risk-based capital ratio | 37.0383% | 301 |
| Memoranda: | ||
| Average total assets | $272,351,200 | 2,313 |
| Average earning assets | $262,633,200 | 2,245 |
| Average equity | $29,934,600 | 2,339 |
| Average total loans | $69,226,000 | 3,884 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7881% | 5,358 |
| Cost of funding earning assets | 0.6927% | 1,881 |
| Net interest margin | 2.0954% | 5,395 |
| Noninterest income to average assets | 0.0883% | 5,249 |
| Noninterest expense to average assets | 1.2336% | 5,389 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8436% | 3,761 |
| Return on assets (ROA) | 0.8531% | 3,734 |
| Pretax return on assets | 0.8801% | 4,088 |
| Return on Equity (ROE) | 7.7680% | 3,639 |
| Retained earnings to average equity (ytd only) | 7.7680% | 1,759 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6344% | 4,019 |
| Assets per employee ($millions) | 9.8862% | 347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2270% | 2,471 |
| Loan loss allowance to noncurrent loans | 22.1184% | 4,851 |
| Noncurrent assets plus other real estate owned to assets | 1.4431% | 910 |
| Noncurrent loans to loans | 5.5475% | 101 |
| Net loans and leases to total assets | 25.6943% | 5,326 |
| Net loans and leases to deposits | 29.3478% | 5,345 |
| Net loans and leases to core deposits | 37.2510% | 5,280 |
| Total domestic deposits to total assets | 87.5509% | 1,459 |
| Equity capital to assets | 11.2064% | 2,465 |
| Core capital (leverage) ratio | 11.8185% | 1,907 |
| Tier 1 risk-based capital ratio | 37.5515% | 262 |
| Total risk-based capital ratio | 38.5689% | 264 |
| Memoranda: | ||
| Average total assets | $271,929,750 | 2,327 |
| Average earning assets | $261,577,500 | 2,258 |
| Average equity | $29,865,250 | 2,346 |
| Average total loans | $68,267,500 | 3,941 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7257% | 5,428 |
| Cost of funding earning assets | 0.6532% | 1,912 |
| Net interest margin | 2.0724% | 5,461 |
| Noninterest income to average assets | 0.0885% | 5,300 |
| Noninterest expense to average assets | 1.2281% | 5,452 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8377% | 3,727 |
| Return on assets (ROA) | 0.8377% | 3,729 |
| Pretax return on assets | 0.8619% | 4,076 |
| Return on Equity (ROE) | 7.6786% | 3,637 |
| Retained earnings to average equity (ytd only) | 7.6786% | 1,765 |
| Net charge-offs to loans | 0.0029% | 3,085 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 1,179.0000% | 67 |
| Efficiency ratio | 58.7618% | 4,120 |
| Assets per employee ($millions) | 10.4713% | 278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2660% | 2,346 |
| Loan loss allowance to noncurrent loans | 21.7982% | 4,857 |
| Noncurrent assets plus other real estate owned to assets | 1.4340% | 946 |
| Noncurrent loans to loans | 5.8081% | 95 |
| Net loans and leases to total assets | 24.3766% | 5,407 |
| Net loans and leases to deposits | 27.7823% | 5,418 |
| Net loans and leases to core deposits | 34.8894% | 5,357 |
| Total domestic deposits to total assets | 87.7415% | 1,510 |
| Equity capital to assets | 11.0078% | 2,633 |
| Core capital (leverage) ratio | 11.3826% | 2,175 |
| Tier 1 risk-based capital ratio | 36.4599% | 292 |
| Total risk-based capital ratio | 37.4656% | 289 |
| Memoranda: | ||
| Average total assets | $273,597,330 | 2,326 |
| Average earning assets | $264,230,000 | 2,254 |
| Average equity | $29,849,330 | 2,359 |
| Average total loans | $67,877,670 | 3,975 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6695% | 5,489 |
| Cost of funding earning assets | 0.6054% | 2,026 |
| Net interest margin | 2.0641% | 5,532 |
| Noninterest income to average assets | 0.0904% | 5,363 |
| Noninterest expense to average assets | 1.2105% | 5,516 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8546% | 3,482 |
| Return on assets (ROA) | 0.8546% | 3,498 |
| Pretax return on assets | 0.8838% | 3,898 |
| Return on Equity (ROE) | 7.8685% | 3,437 |
| Retained earnings to average equity (ytd only) | 7.8685% | 1,892 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7994% | 4,369 |
| Assets per employee ($millions) | 10.4845% | 273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2424% | 2,558 |
| Loan loss allowance to noncurrent loans | 20.5499% | 4,918 |
| Noncurrent assets plus other real estate owned to assets | 1.5209% | 907 |
| Noncurrent loans to loans | 6.0458% | 99 |
| Net loans and leases to total assets | 24.8440% | 5,451 |
| Net loans and leases to deposits | 28.2547% | 5,468 |
| Net loans and leases to core deposits | 38.4239% | 5,346 |
| Total domestic deposits to total assets | 87.9287% | 1,660 |
| Equity capital to assets | 10.8343% | 2,736 |
| Core capital (leverage) ratio | 10.9791% | 2,458 |
| Tier 1 risk-based capital ratio | 35.9835% | 305 |
| Total risk-based capital ratio | 36.9956% | 309 |
| Memoranda: | ||
| Average total assets | $274,269,500 | 2,341 |
| Average earning assets | $266,269,500 | 2,261 |
| Average equity | $29,789,500 | 2,384 |
| Average total loans | $68,208,000 | 4,004 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5741% | 5,533 |
| Cost of funding earning assets | 0.5091% | 2,257 |
| Net interest margin | 2.0650% | 5,562 |
| Noninterest income to average assets | 0.0839% | 5,451 |
| Noninterest expense to average assets | 1.2803% | 5,562 |
| Loan and lease loss provision to assets | 0.0221% | 3,857 |
| Net operating income to assets | 0.7018% | 3,598 |
| Return on assets (ROA) | 0.7021% | 3,651 |
| Pretax return on assets | 0.7779% | 4,306 |
| Return on Equity (ROE) | 6.3479% | 3,604 |
| Retained earnings to average equity (ytd only) | 3.1557% | 3,409 |
| Net charge-offs to loans | 0.0154% | 3,575 |
| Credit loss provision to net charge-offs | 600.0000% | 539 |
| Earnings coverage of net charge-offs (x) | 217.4000% | 370 |
| Efficiency ratio | 61.5561% | 4,008 |
| Assets per employee ($millions) | 10.2201% | 301 |
| Cash dividends to net income (ytd only)* | 50.2881% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2559% | 2,438 |
| Loan loss allowance to noncurrent loans | 20.2568% | 4,974 |
| Noncurrent assets plus other real estate owned to assets | 1.5242% | 892 |
| Noncurrent loans to loans | 6.1999% | 85 |
| Net loans and leases to total assets | 24.2761% | 5,527 |
| Net loans and leases to deposits | 27.6210% | 5,546 |
| Net loans and leases to core deposits | 37.4869% | 5,427 |
| Total domestic deposits to total assets | 87.8902% | 1,554 |
| Equity capital to assets | 10.8882% | 2,743 |
| Core capital (leverage) ratio | 10.8316% | 2,492 |
| Tier 1 risk-based capital ratio | 35.0042% | 318 |
| Total risk-based capital ratio | 36.0082% | 320 |
| Memoranda: | ||
| Average total assets | $271,892,000 | 2,342 |
| Average earning assets | $262,812,000 | 2,262 |
| Average equity | $30,072,800 | 2,352 |
| Average total loans | $64,849,200 | 4,078 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5562% | 5,601 |
| Cost of funding earning assets | 0.4919% | 2,341 |
| Net interest margin | 2.0643% | 5,631 |
| Noninterest income to average assets | 0.0837% | 5,524 |
| Noninterest expense to average assets | 1.2182% | 5,649 |
| Loan and lease loss provision to assets | 0.0295% | 3,533 |
| Net operating income to assets | 0.7758% | 3,617 |
| Return on assets (ROA) | 0.7762% | 3,667 |
| Pretax return on assets | 0.8299% | 4,271 |
| Return on Equity (ROE) | 6.9901% | 3,669 |
| Retained earnings to average equity (ytd only) | 6.9901% | 1,693 |
| Net charge-offs to loans | 0.0166% | 3,184 |
| Credit loss provision to net charge-offs | 750.0000% | 456 |
| Earnings coverage of net charge-offs (x) | 218.0515% | 396 |
| Efficiency ratio | 58.6493% | 4,409 |
| Assets per employee ($millions) | 10.4637% | 271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2852% | 2,434 |
| Loan loss allowance to noncurrent loans | 19.9486% | 5,071 |
| Noncurrent assets plus other real estate owned to assets | 1.5736% | 950 |
| Noncurrent loans to loans | 6.4426% | 90 |
| Net loans and leases to total assets | 24.1104% | 5,601 |
| Net loans and leases to deposits | 27.6843% | 5,612 |
| Net loans and leases to core deposits | 37.1425% | 5,508 |
| Total domestic deposits to total assets | 87.0906% | 1,833 |
| Equity capital to assets | 11.4833% | 2,395 |
| Core capital (leverage) ratio | 11.2471% | 2,221 |
| Tier 1 risk-based capital ratio | 35.8410% | 308 |
| Total risk-based capital ratio | 36.8500% | 309 |
| Memoranda: | ||
| Average total assets | $270,879,500 | 2,360 |
| Average earning assets | $261,580,000 | 2,282 |
| Average equity | $30,079,750 | 2,370 |
| Average total loans | $64,101,500 | 4,128 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5134% | 5,657 |
| Cost of funding earning assets | 0.4736% | 2,385 |
| Net interest margin | 2.0397% | 5,683 |
| Noninterest income to average assets | 0.0813% | 5,569 |
| Noninterest expense to average assets | 1.2437% | 5,694 |
| Loan and lease loss provision to assets | 0.0444% | 3,105 |
| Net operating income to assets | 0.7298% | 3,709 |
| Return on assets (ROA) | 0.7305% | 3,767 |
| Pretax return on assets | 0.7682% | 4,379 |
| Return on Equity (ROE) | 6.6548% | 3,746 |
| Retained earnings to average equity (ytd only) | 6.6548% | 1,767 |
| Net charge-offs to loans | 0.0221% | 2,779 |
| Credit loss provision to net charge-offs | 857.1429% | 433 |
| Earnings coverage of net charge-offs (x) | 156.8571% | 485 |
| Efficiency ratio | 60.5036% | 4,242 |
| Assets per employee ($millions) | 10.4179% | 265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3160% | 2,332 |
| Loan loss allowance to noncurrent loans | 19.7505% | 5,119 |
| Noncurrent assets plus other real estate owned to assets | 1.5982% | 929 |
| Noncurrent loans to loans | 6.6632% | 80 |
| Net loans and leases to total assets | 23.6701% | 5,653 |
| Net loans and leases to deposits | 27.1325% | 5,667 |
| Net loans and leases to core deposits | 35.2647% | 5,583 |
| Total domestic deposits to total assets | 87.2390% | 1,839 |
| Equity capital to assets | 11.3592% | 2,449 |
| Core capital (leverage) ratio | 10.9839% | 2,427 |
| Tier 1 risk-based capital ratio | 34.9066% | 310 |
| Total risk-based capital ratio | 35.9100% | 309 |
| Memoranda: | ||
| Average total assets | $270,487,000 | 2,371 |
| Average earning assets | $261,797,000 | 2,290 |
| Average equity | $29,692,670 | 2,391 |
| Average total loans | $63,319,330 | 4,164 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4518% | 5,734 |
| Cost of funding earning assets | 0.4614% | 2,418 |
| Net interest margin | 1.9904% | 5,756 |
| Noninterest income to average assets | 0.0799% | 5,647 |
| Noninterest expense to average assets | 1.2386% | 5,757 |
| Loan and lease loss provision to assets | 0.0444% | 2,909 |
| Net operating income to assets | 0.6985% | 3,713 |
| Return on assets (ROA) | 0.7000% | 3,743 |
| Pretax return on assets | 0.7325% | 4,338 |
| Return on Equity (ROE) | 6.4895% | 3,672 |
| Retained earnings to average equity (ytd only) | 6.4895% | 2,087 |
| Net charge-offs to loans | 0.0448% | 1,943 |
| Credit loss provision to net charge-offs | 428.5714% | 624 |
| Earnings coverage of net charge-offs (x) | 74.8571% | 688 |
| Efficiency ratio | 61.4989% | 4,229 |
| Assets per employee ($millions) | 10.2713% | 277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3110% | 2,482 |
| Loan loss allowance to noncurrent loans | 18.7245% | 5,203 |
| Noncurrent assets plus other real estate owned to assets | 1.6498% | 929 |
| Noncurrent loans to loans | 7.0013% | 77 |
| Net loans and leases to total assets | 23.2559% | 5,709 |
| Net loans and leases to deposits | 26.5468% | 5,720 |
| Net loans and leases to core deposits | 34.4648% | 5,641 |
| Total domestic deposits to total assets | 87.6033% | 1,943 |
| Equity capital to assets | 11.0981% | 2,534 |
| Core capital (leverage) ratio | 10.7871% | 2,610 |
| Tier 1 risk-based capital ratio | 36.2940% | 293 |
| Total risk-based capital ratio | 37.3184% | 292 |
| Memoranda: | ||
| Average total assets | $270,298,000 | 2,396 |
| Average earning assets | $262,660,500 | 2,300 |
| Average equity | $29,155,000 | 2,433 |
| Average total loans | $62,494,500 | 4,223 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4024% | 5,787 |
| Cost of funding earning assets | 0.4606% | 2,438 |
| Net interest margin | 1.9417% | 5,815 |
| Noninterest income to average assets | 0.0802% | 5,694 |
| Noninterest expense to average assets | 1.2106% | 5,828 |
| Loan and lease loss provision to assets | 0.0719% | 2,922 |
| Net operating income to assets | 0.6647% | 3,930 |
| Return on assets (ROA) | 0.6671% | 4,034 |
| Pretax return on assets | 0.6790% | 4,561 |
| Return on Equity (ROE) | 6.1475% | 3,904 |
| Retained earnings to average equity (ytd only) | 2.9678% | 3,787 |
| Net charge-offs to loans | -0.0032% | 4,750 |
| Credit loss provision to net charge-offs | -10,000.0000% | 5,496 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7982% | 4,287 |
| Assets per employee ($millions) | 10.5208% | 265 |
| Cash dividends to net income (ytd only)* | 51.7241% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2923% | 2,591 |
| Loan loss allowance to noncurrent loans | 17.9018% | 5,243 |
| Noncurrent assets plus other real estate owned to assets | 1.6378% | 962 |
| Noncurrent loans to loans | 7.2191% | 70 |
| Net loans and leases to total assets | 22.3937% | 5,780 |
| Net loans and leases to deposits | 25.3870% | 5,789 |
| Net loans and leases to core deposits | 32.6873% | 5,725 |
| Total domestic deposits to total assets | 88.2094% | 1,529 |
| Equity capital to assets | 10.4818% | 3,178 |
| Core capital (leverage) ratio | 10.4009% | 2,988 |
| Tier 1 risk-based capital ratio | 35.9297% | 296 |
| Total risk-based capital ratio | 36.9318% | 295 |
| Memoranda: | ||
| Average total assets | $278,201,600 | 2,299 |
| Average earning assets | $269,194,400 | 2,219 |
| Average equity | $30,191,000 | 2,337 |
| Average total loans | $62,680,600 | 4,205 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3958% | 5,855 |
| Cost of funding earning assets | 0.4616% | 2,449 |
| Net interest margin | 1.9342% | 5,880 |
| Noninterest income to average assets | 0.0811% | 5,763 |
| Noninterest expense to average assets | 1.2170% | 5,889 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6806% | 3,960 |
| Return on assets (ROA) | 0.6806% | 4,083 |
| Pretax return on assets | 0.7340% | 4,515 |
| Return on Equity (ROE) | 6.2193% | 3,966 |
| Retained earnings to average equity (ytd only) | 6.2193% | 2,053 |
| Net charge-offs to loans | -0.0042% | 4,590 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3777% | 4,163 |
| Assets per employee ($millions) | 10.5805% | 244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9963% | 4,437 |
| Loan loss allowance to noncurrent loans | 285.3081% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 0.0767% | 5,130 |
| Noncurrent loans to loans | 0.3492% | 3,998 |
| Net loans and leases to total assets | 21.7460% | 5,848 |
| Net loans and leases to deposits | 25.0523% | 5,857 |
| Net loans and leases to core deposits | 32.8562% | 5,792 |
| Total domestic deposits to total assets | 86.8023% | 1,986 |
| Equity capital to assets | 11.4281% | 2,577 |
| Core capital (leverage) ratio | 10.7314% | 2,749 |
| Tier 1 risk-based capital ratio | 38.4290% | 256 |
| Total risk-based capital ratio | 39.2190% | 263 |
| Memoranda: | ||
| Average total assets | $279,366,750 | 2,295 |
| Average earning assets | $270,073,750 | 2,217 |
| Average equity | $30,570,750 | 2,323 |
| Average total loans | $62,836,250 | 4,230 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4044% | 5,929 |
| Cost of funding earning assets | 0.4643% | 2,434 |
| Net interest margin | 1.9402% | 5,961 |
| Noninterest income to average assets | 0.0862% | 5,821 |
| Noninterest expense to average assets | 1.2087% | 5,969 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6973% | 3,803 |
| Return on assets (ROA) | 0.6973% | 3,959 |
| Pretax return on assets | 0.7557% | 4,439 |
| Return on Equity (ROE) | 6.4660% | 3,819 |
| Retained earnings to average equity (ytd only) | 6.4660% | 1,885 |
| Net charge-offs to loans | -0.0063% | 4,580 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5301% | 4,418 |
| Assets per employee ($millions) | 10.3556% | 249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9828% | 4,603 |
| Loan loss allowance to noncurrent loans | 278.7037% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 0.0773% | 5,221 |
| Noncurrent loans to loans | 0.3526% | 4,109 |
| Net loans and leases to total assets | 21.6917% | 5,923 |
| Net loans and leases to deposits | 24.9329% | 5,934 |
| Net loans and leases to core deposits | 32.7735% | 5,860 |
| Total domestic deposits to total assets | 87.0004% | 1,918 |
| Equity capital to assets | 11.2268% | 2,818 |
| Core capital (leverage) ratio | 10.2554% | 3,264 |
| Tier 1 risk-based capital ratio | 36.9484% | 287 |
| Total risk-based capital ratio | 37.7197% | 298 |
| Memoranda: | ||
| Average total assets | $280,791,000 | 2,297 |
| Average earning assets | $271,833,330 | 2,224 |
| Average equity | $30,281,670 | 2,347 |
| Average total loans | $63,640,330 | 4,244 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4347% | 5,985 |
| Cost of funding earning assets | 0.4676% | 2,397 |
| Net interest margin | 1.9671% | 6,021 |
| Noninterest income to average assets | 0.0853% | 5,870 |
| Noninterest expense to average assets | 1.2353% | 6,026 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7022% | 3,698 |
| Return on assets (ROA) | 0.7022% | 3,814 |
| Pretax return on assets | 0.7577% | 4,344 |
| Return on Equity (ROE) | 6.6470% | 3,645 |
| Retained earnings to average equity (ytd only) | 6.6470% | 2,062 |
| Net charge-offs to loans | -0.0123% | 4,623 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9829% | 4,444 |
| Assets per employee ($millions) | 10.5548% | 237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9272% | 4,961 |
| Loan loss allowance to noncurrent loans | 276.1468% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 0.0765% | 5,270 |
| Noncurrent loans to loans | 0.3358% | 4,231 |
| Net loans and leases to total assets | 22.5711% | 5,962 |
| Net loans and leases to deposits | 25.7045% | 5,975 |
| Net loans and leases to core deposits | 34.1960% | 5,886 |
| Total domestic deposits to total assets | 87.8097% | 1,740 |
| Equity capital to assets | 10.5993% | 3,375 |
| Core capital (leverage) ratio | 10.1793% | 3,338 |
| Tier 1 risk-based capital ratio | 34.3547% | 355 |
| Total risk-based capital ratio | 35.0841% | 364 |
| Memoranda: | ||
| Average total assets | $281,386,500 | 2,303 |
| Average earning assets | $272,889,500 | 2,219 |
| Average equity | $29,727,500 | 2,387 |
| Average total loans | $64,834,500 | 4,245 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4051% | 6,026 |
| Cost of funding earning assets | 0.5325% | 1,902 |
| Net interest margin | 1.8727% | 6,068 |
| Noninterest income to average assets | 0.0827% | 5,922 |
| Noninterest expense to average assets | 1.2164% | 6,089 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6580% | 4,006 |
| Return on assets (ROA) | 0.6698% | 4,041 |
| Pretax return on assets | 0.6847% | 4,571 |
| Return on Equity (ROE) | 6.5304% | 3,764 |
| Retained earnings to average equity (ytd only) | 3.7618% | 3,366 |
| Net charge-offs to loans | 0.0398% | 3,431 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 75.8000% | 726 |
| Efficiency ratio | 64.3931% | 4,186 |
| Assets per employee ($millions) | 10.2886% | 243 |
| Cash dividends to net income (ytd only)* | 42.3953% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9267% | 4,987 |
| Loan loss allowance to noncurrent loans | 184.6154% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 0.1170% | 5,124 |
| Noncurrent loans to loans | 0.5020% | 3,681 |
| Net loans and leases to total assets | 23.0906% | 6,019 |
| Net loans and leases to deposits | 26.2765% | 6,034 |
| Net loans and leases to core deposits | 32.4906% | 5,983 |
| Total domestic deposits to total assets | 87.8755% | 1,700 |
| Equity capital to assets | 10.5291% | 3,326 |
| Core capital (leverage) ratio | 10.0213% | 3,479 |
| Tier 1 risk-based capital ratio | 34.5932% | 345 |
| Total risk-based capital ratio | 35.3382% | 352 |
| Memoranda: | ||
| Average total assets | $281,735,600 | 2,255 |
| Average earning assets | $271,752,800 | 2,190 |
| Average equity | $28,895,600 | 2,399 |
| Average total loans | $62,872,600 | 4,297 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3911% | 6,122 |
| Cost of funding earning assets | 0.5457% | 1,838 |
| Net interest margin | 1.8454% | 6,163 |
| Noninterest income to average assets | 0.0839% | 6,008 |
| Noninterest expense to average assets | 1.1729% | 6,179 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6628% | 4,063 |
| Return on assets (ROA) | 0.6683% | 4,156 |
| Pretax return on assets | 0.6932% | 4,702 |
| Return on Equity (ROE) | 6.5584% | 3,865 |
| Retained earnings to average equity (ytd only) | 6.5584% | 1,916 |
| Net charge-offs to loans | 0.0021% | 4,107 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 1,461.6165% | 52 |
| Efficiency ratio | 63.0418% | 4,399 |
| Assets per employee ($millions) | 10.2292% | 248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9328% | 5,058 |
| Loan loss allowance to noncurrent loans | 1,114.2857% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.0203% | 5,715 |
| Noncurrent loans to loans | 0.0837% | 5,295 |
| Net loans and leases to total assets | 23.9952% | 6,095 |
| Net loans and leases to deposits | 27.3958% | 6,111 |
| Net loans and leases to core deposits | 34.1763% | 6,042 |
| Total domestic deposits to total assets | 87.5874% | 1,751 |
| Equity capital to assets | 10.7224% | 3,335 |
| Core capital (leverage) ratio | 10.2531% | 3,306 |
| Tier 1 risk-based capital ratio | 34.7368% | 348 |
| Total risk-based capital ratio | 35.5057% | 369 |
| Memoranda: | ||
| Average total assets | $282,721,250 | 2,266 |
| Average earning assets | $272,170,000 | 2,206 |
| Average equity | $28,807,250 | 2,420 |
| Average total loans | $62,404,750 | 4,349 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3687% | 6,202 |
| Cost of funding earning assets | 0.5555% | 1,772 |
| Net interest margin | 1.8133% | 6,242 |
| Noninterest income to average assets | 0.0856% | 6,072 |
| Noninterest expense to average assets | 1.1660% | 6,255 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6405% | 4,167 |
| Return on assets (ROA) | 0.6487% | 4,236 |
| Pretax return on assets | 0.6697% | 4,759 |
| Return on Equity (ROE) | 6.4755% | 3,895 |
| Retained earnings to average equity (ytd only) | 6.4755% | 1,962 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8110% | 4,388 |
| Assets per employee ($millions) | 10.2574% | 243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9895% | 4,920 |
| Loan loss allowance to noncurrent loans | 568.1818% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.0397% | 5,705 |
| Noncurrent loans to loans | 0.1742% | 5,074 |
| Net loans and leases to total assets | 22.5802% | 6,183 |
| Net loans and leases to deposits | 25.6093% | 6,204 |
| Net loans and leases to core deposits | 33.4381% | 6,115 |
| Total domestic deposits to total assets | 88.1719% | 1,566 |
| Equity capital to assets | 10.2747% | 3,716 |
| Core capital (leverage) ratio | 9.8383% | 3,817 |
| Tier 1 risk-based capital ratio | 36.0712% | 335 |
| Total risk-based capital ratio | 36.8851% | 347 |
| Memoranda: | ||
| Average total assets | $284,899,000 | 2,269 |
| Average earning assets | $273,649,330 | 2,207 |
| Average equity | $28,538,330 | 2,453 |
| Average total loans | $60,907,670 | 4,435 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3355% | 6,274 |
| Cost of funding earning assets | 0.5571% | 1,782 |
| Net interest margin | 1.7784% | 6,315 |
| Noninterest income to average assets | 0.0928% | 6,113 |
| Noninterest expense to average assets | 1.1576% | 6,335 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6181% | 4,204 |
| Return on assets (ROA) | 0.6342% | 4,243 |
| Pretax return on assets | 0.6536% | 4,746 |
| Return on Equity (ROE) | 6.4102% | 3,822 |
| Retained earnings to average equity (ytd only) | 6.4102% | 2,280 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5062% | 4,397 |
| Assets per employee ($millions) | 10.7363% | 216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0536% | 4,740 |
| Loan loss allowance to noncurrent loans | 173.1302% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 0.1245% | 5,462 |
| Noncurrent loans to loans | 0.6086% | 3,748 |
| Net loans and leases to total assets | 20.2477% | 6,267 |
| Net loans and leases to deposits | 22.9430% | 6,281 |
| Net loans and leases to core deposits | 29.3373% | 6,219 |
| Total domestic deposits to total assets | 88.2520% | 1,687 |
| Equity capital to assets | 10.0393% | 4,107 |
| Core capital (leverage) ratio | 9.4984% | 4,278 |
| Tier 1 risk-based capital ratio | 36.9288% | 311 |
| Total risk-based capital ratio | 37.7763% | 316 |
| Memoranda: | ||
| Average total assets | $288,873,000 | 2,254 |
| Average earning assets | $276,431,000 | 2,200 |
| Average equity | $28,579,500 | 2,459 |
| Average total loans | $59,781,000 | 4,496 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4167% | 6,348 |
| Cost of funding earning assets | 0.5871% | 1,886 |
| Net interest margin | 1.8296% | 6,403 |
| Noninterest income to average assets | 0.0822% | 6,213 |
| Noninterest expense to average assets | 1.2036% | 6,413 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6421% | 4,183 |
| Return on assets (ROA) | 0.6421% | 4,282 |
| Pretax return on assets | 0.6425% | 4,803 |
| Return on Equity (ROE) | 6.2263% | 4,034 |
| Retained earnings to average equity (ytd only) | 3.2754% | 3,898 |
| Net charge-offs to loans | 0.0105% | 4,698 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 281.5000% | 194 |
| Efficiency ratio | 65.1968% | 4,373 |
| Assets per employee ($millions) | 11.0718% | 184 |
| Cash dividends to net income (ytd only)* | 47.3934% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0375% | 4,867 |
| Loan loss allowance to noncurrent loans | 892.8571% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.0243% | 5,946 |
| Noncurrent loans to loans | 0.1162% | 5,430 |
| Net loans and leases to total assets | 20.7103% | 6,360 |
| Net loans and leases to deposits | 23.3774% | 6,375 |
| Net loans and leases to core deposits | 29.9879% | 6,312 |
| Total domestic deposits to total assets | 88.5912% | 1,472 |
| Equity capital to assets | 9.7465% | 4,418 |
| Core capital (leverage) ratio | 9.4664% | 4,287 |
| Tier 1 risk-based capital ratio | 35.1776% | 333 |
| Total risk-based capital ratio | 35.9987% | 344 |
| Memoranda: | ||
| Average total assets | $262,872,200 | 2,404 |
| Average earning assets | $253,447,200 | 2,319 |
| Average equity | $27,111,000 | 2,482 |
| Average total loans | $57,406,400 | 4,572 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4177% | 6,429 |
| Cost of funding earning assets | 0.5981% | 1,851 |
| Net interest margin | 1.8196% | 6,482 |
| Noninterest income to average assets | 0.0847% | 6,292 |
| Noninterest expense to average assets | 1.1415% | 6,495 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6863% | 4,014 |
| Return on assets (ROA) | 0.6863% | 4,098 |
| Pretax return on assets | 0.7071% | 4,685 |
| Return on Equity (ROE) | 6.5538% | 3,934 |
| Retained earnings to average equity (ytd only) | 6.5538% | 2,068 |
| Net charge-offs to loans | 0.0118% | 4,330 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 272.0570% | 249 |
| Efficiency ratio | 61.7482% | 4,926 |
| Assets per employee ($millions) | 11.1419% | 172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0760% | 4,854 |
| Loan loss allowance to noncurrent loans | 869.4444% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.0258% | 6,068 |
| Noncurrent loans to loans | 0.1238% | 5,557 |
| Net loans and leases to total assets | 20.6611% | 6,440 |
| Net loans and leases to deposits | 23.4649% | 6,455 |
| Net loans and leases to core deposits | 27.9116% | 6,411 |
| Total domestic deposits to total assets | 88.0512% | 1,732 |
| Equity capital to assets | 10.1767% | 3,961 |
| Core capital (leverage) ratio | 10.1086% | 3,519 |
| Tier 1 risk-based capital ratio | 37.9954% | 274 |
| Total risk-based capital ratio | 38.8696% | 283 |
| Memoranda: | ||
| Average total assets | $256,623,750 | 2,481 |
| Average earning assets | $248,766,750 | 2,371 |
| Average equity | $26,874,500 | 2,504 |
| Average total loans | $56,697,250 | 4,638 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4488% | 6,488 |
| Cost of funding earning assets | 0.6182% | 1,745 |
| Net interest margin | 1.8306% | 6,549 |
| Noninterest income to average assets | 0.0858% | 6,331 |
| Noninterest expense to average assets | 1.1808% | 6,557 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6714% | 3,985 |
| Return on assets (ROA) | 0.6714% | 4,081 |
| Pretax return on assets | 0.6843% | 4,699 |
| Return on Equity (ROE) | 6.3448% | 3,969 |
| Retained earnings to average equity (ytd only) | 6.3448% | 2,123 |
| Net charge-offs to loans | -0.0036% | 5,122 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3118% | 4,803 |
| Assets per employee ($millions) | 10.1221% | 223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1128% | 4,850 |
| Loan loss allowance to noncurrent loans | 854.0541% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.0292% | 6,122 |
| Noncurrent loans to loans | 0.1303% | 5,616 |
| Net loans and leases to total assets | 22.1930% | 6,482 |
| Net loans and leases to deposits | 25.4463% | 6,499 |
| Net loans and leases to core deposits | 30.7169% | 6,439 |
| Total domestic deposits to total assets | 87.2149% | 2,342 |
| Equity capital to assets | 10.9230% | 2,957 |
| Core capital (leverage) ratio | 10.6944% | 2,726 |
| Tier 1 risk-based capital ratio | 39.6643% | 250 |
| Total risk-based capital ratio | 40.6023% | 251 |
| Memoranda: | ||
| Average total assets | $249,316,000 | 2,550 |
| Average earning assets | $242,324,000 | 2,418 |
| Average equity | $26,383,670 | 2,539 |
| Average total loans | $56,204,000 | 4,679 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4400% | 6,564 |
| Cost of funding earning assets | 0.6216% | 1,794 |
| Net interest margin | 1.8184% | 6,626 |
| Noninterest income to average assets | 0.0792% | 6,394 |
| Noninterest expense to average assets | 1.2188% | 6,625 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6224% | 4,086 |
| Return on assets (ROA) | 0.6224% | 4,168 |
| Pretax return on assets | 0.6288% | 4,729 |
| Return on Equity (ROE) | 5.9794% | 4,037 |
| Retained earnings to average equity (ytd only) | 5.9794% | 2,555 |
| Net charge-offs to loans | -0.0072% | 4,922 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9668% | 4,535 |
| Assets per employee ($millions) | 9.6943% | 257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1415% | 4,912 |
| Loan loss allowance to noncurrent loans | 831.5789% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.0302% | 6,203 |
| Noncurrent loans to loans | 0.1373% | 5,690 |
| Net loans and leases to total assets | 21.7145% | 6,547 |
| Net loans and leases to deposits | 24.7299% | 6,565 |
| Net loans and leases to core deposits | 29.5480% | 6,503 |
| Total domestic deposits to total assets | 87.8065% | 2,337 |
| Equity capital to assets | 10.4359% | 3,315 |
| Core capital (leverage) ratio | 10.6557% | 2,755 |
| Tier 1 risk-based capital ratio | 40.6156% | 227 |
| Total risk-based capital ratio | 41.5927% | 226 |
| Memoranda: | ||
| Average total assets | $247,447,500 | 2,579 |
| Average earning assets | $240,653,000 | 2,434 |
| Average equity | $25,755,000 | 2,578 |
| Average total loans | $55,910,000 | 4,728 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4727% | 6,623 |
| Cost of funding earning assets | 0.6649% | 2,073 |
| Net interest margin | 1.8078% | 6,686 |
| Noninterest income to average assets | 0.0885% | 6,429 |
| Noninterest expense to average assets | 1.2358% | 6,707 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5768% | 4,373 |
| Return on assets (ROA) | 0.6026% | 4,365 |
| Pretax return on assets | 0.6386% | 4,744 |
| Return on Equity (ROE) | 5.3673% | 4,459 |
| Retained earnings to average equity (ytd only) | 2.6516% | 4,361 |
| Net charge-offs to loans | -0.0038% | 5,900 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9113% | 4,383 |
| Assets per employee ($millions) | 9.3401% | 291 |
| Cash dividends to net income (ytd only)* | 50.5973% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1177% | 5,056 |
| Loan loss allowance to noncurrent loans | 808.9744% | 622 |
| Noncurrent assets plus other real estate owned to assets | 0.0321% | 6,289 |
| Noncurrent loans to loans | 0.1382% | 5,793 |
| Net loans and leases to total assets | 22.9882% | 6,621 |
| Net loans and leases to deposits | 26.1902% | 6,638 |
| Net loans and leases to core deposits | 31.2822% | 6,578 |
| Total domestic deposits to total assets | 87.7739% | 2,323 |
| Equity capital to assets | 10.3796% | 3,313 |
| Core capital (leverage) ratio | 10.8756% | 2,504 |
| Tier 1 risk-based capital ratio | 39.4580% | 238 |
| Total risk-based capital ratio | 40.4198% | 238 |
| Memoranda: | ||
| Average total assets | $236,124,400 | 2,658 |
| Average earning assets | $229,667,400 | 2,514 |
| Average equity | $26,512,400 | 2,502 |
| Average total loans | $52,427,600 | 4,870 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4671% | 6,704 |
| Cost of funding earning assets | 0.6751% | 2,139 |
| Net interest margin | 1.7919% | 6,770 |
| Noninterest income to average assets | 0.0904% | 6,506 |
| Noninterest expense to average assets | 1.2039% | 6,787 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5956% | 4,367 |
| Return on assets (ROA) | 0.6307% | 4,336 |
| Pretax return on assets | 0.6654% | 4,804 |
| Return on Equity (ROE) | 5.5093% | 4,466 |
| Retained earnings to average equity (ytd only) | 5.5093% | 2,719 |
| Net charge-offs to loans | -0.0052% | 5,786 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7045% | 4,543 |
| Assets per employee ($millions) | 9.2115% | 293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1963% | 4,879 |
| Loan loss allowance to noncurrent loans | 798.7342% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.0343% | 6,375 |
| Noncurrent loans to loans | 0.1498% | 5,871 |
| Net loans and leases to total assets | 22.6296% | 6,707 |
| Net loans and leases to deposits | 26.1011% | 6,726 |
| Net loans and leases to core deposits | 30.4931% | 6,678 |
| Total domestic deposits to total assets | 86.6996% | 2,857 |
| Equity capital to assets | 11.3024% | 2,469 |
| Core capital (leverage) ratio | 11.3703% | 2,149 |
| Tier 1 risk-based capital ratio | 43.6215% | 189 |
| Total risk-based capital ratio | 44.6684% | 194 |
| Memoranda: | ||
| Average total assets | $234,445,000 | 2,695 |
| Average earning assets | $227,903,750 | 2,546 |
| Average equity | $26,839,000 | 2,498 |
| Average total loans | $51,420,500 | 4,953 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4578% | 6,747 |
| Cost of funding earning assets | 0.6787% | 2,232 |
| Net interest margin | 1.7792% | 6,820 |
| Noninterest income to average assets | 0.0882% | 6,562 |
| Noninterest expense to average assets | 1.1941% | 6,836 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5585% | 4,510 |
| Return on assets (ROA) | 0.6081% | 4,417 |
| Pretax return on assets | 0.6768% | 4,755 |
| Return on Equity (ROE) | 5.2897% | 4,571 |
| Retained earnings to average equity (ytd only) | 5.2897% | 2,870 |
| Net charge-offs to loans | -0.0039% | 5,593 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7637% | 4,590 |
| Assets per employee ($millions) | 9.4844% | 252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2663% | 4,662 |
| Loan loss allowance to noncurrent loans | 741.1765% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.0373% | 6,400 |
| Noncurrent loans to loans | 0.1709% | 5,892 |
| Net loans and leases to total assets | 21.5794% | 6,773 |
| Net loans and leases to deposits | 24.8545% | 6,793 |
| Net loans and leases to core deposits | 29.5325% | 6,725 |
| Total domestic deposits to total assets | 86.8226% | 2,927 |
| Equity capital to assets | 11.1763% | 2,580 |
| Core capital (leverage) ratio | 11.2042% | 2,170 |
| Tier 1 risk-based capital ratio | 46.1289% | 159 |
| Total risk-based capital ratio | 47.2510% | 160 |
| Memoranda: | ||
| Average total assets | $235,831,000 | 2,689 |
| Average earning assets | $228,982,330 | 2,549 |
| Average equity | $27,109,330 | 2,477 |
| Average total loans | $50,979,330 | 4,983 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4894% | 6,811 |
| Cost of funding earning assets | 0.6725% | 2,464 |
| Net interest margin | 1.8169% | 6,887 |
| Noninterest income to average assets | 0.0884% | 6,620 |
| Noninterest expense to average assets | 1.1603% | 6,921 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6303% | 4,080 |
| Return on assets (ROA) | 0.6318% | 4,223 |
| Pretax return on assets | 0.6952% | 4,598 |
| Return on Equity (ROE) | 5.4251% | 4,342 |
| Retained earnings to average equity (ytd only) | 5.4251% | 2,991 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5899% | 5,220 |
| Assets per employee ($millions) | 9.5323% | 264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1980% | 5,189 |
| Loan loss allowance to noncurrent loans | 691.2088% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.0382% | 6,490 |
| Noncurrent loans to loans | 0.1733% | 5,968 |
| Net loans and leases to total assets | 21.7685% | 6,826 |
| Net loans and leases to deposits | 25.3255% | 6,840 |
| Net loans and leases to core deposits | 30.6438% | 6,754 |
| Total domestic deposits to total assets | 85.9547% | 3,546 |
| Equity capital to assets | 11.6945% | 2,258 |
| Core capital (leverage) ratio | 10.8632% | 2,386 |
| Tier 1 risk-based capital ratio | 44.8921% | 170 |
| Total risk-based capital ratio | 45.9967% | 172 |
| Memoranda: | ||
| Average total assets | $239,934,000 | 2,672 |
| Average earning assets | $233,148,500 | 2,538 |
| Average equity | $27,944,000 | 2,453 |
| Average total loans | $51,594,000 | 5,003 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6015% | 6,905 |
| Cost of funding earning assets | 0.8092% | 2,593 |
| Net interest margin | 1.7923% | 6,966 |
| Noninterest income to average assets | 0.1338% | 6,369 |
| Noninterest expense to average assets | 1.2487% | 6,974 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.5654% | 4,403 |
| Return on assets (ROA) | 0.6402% | 4,295 |
| Pretax return on assets | 0.7106% | 4,634 |
| Return on Equity (ROE) | 5.1991% | 4,595 |
| Retained earnings to average equity (ytd only) | 2.9122% | 4,179 |
| Net charge-offs to loans | 0.0070% | 5,856 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 475.3333% | 85 |
| Efficiency ratio | 66.5572% | 4,402 |
| Assets per employee ($millions) | 9.6624% | 271 |
| Cash dividends to net income (ytd only)* | 43.9863% | 2,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2410% | 4,926 |
| Loan loss allowance to noncurrent loans | 648.4536% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.0402% | 6,548 |
| Noncurrent loans to loans | 0.1914% | 5,988 |
| Net loans and leases to total assets | 20.7211% | 6,916 |
| Net loans and leases to deposits | 24.1150% | 6,929 |
| Net loans and leases to core deposits | 28.4809% | 6,876 |
| Total domestic deposits to total assets | 85.9265% | 3,384 |
| Equity capital to assets | 11.5992% | 2,350 |
| Core capital (leverage) ratio | 11.0958% | 2,170 |
| Tier 1 risk-based capital ratio | 47.3125% | 154 |
| Total risk-based capital ratio | 48.4942% | 153 |
| Memoranda: | ||
| Average total assets | $227,271,600 | 2,760 |
| Average earning assets | $220,949,800 | 2,609 |
| Average equity | $27,985,600 | 2,396 |
| Average total loans | $42,948,800 | 5,383 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6527% | 7,013 |
| Cost of funding earning assets | 0.8487% | 2,548 |
| Net interest margin | 1.8040% | 7,074 |
| Noninterest income to average assets | 0.0882% | 6,660 |
| Noninterest expense to average assets | 1.2189% | 7,076 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5668% | 4,536 |
| Return on assets (ROA) | 0.6693% | 4,313 |
| Pretax return on assets | 0.7355% | 4,721 |
| Return on Equity (ROE) | 5.3518% | 4,666 |
| Retained earnings to average equity (ytd only) | 5.3518% | 3,126 |
| Net charge-offs to loans | 0.0098% | 5,575 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 348.3250% | 129 |
| Efficiency ratio | 66.1812% | 4,417 |
| Assets per employee ($millions) | 8.9155% | 341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3310% | 4,667 |
| Loan loss allowance to noncurrent loans | 706.7416% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.1247% | 6,407 |
| Noncurrent loans to loans | 0.1883% | 6,137 |
| Net loans and leases to total assets | 20.9195% | 7,013 |
| Net loans and leases to deposits | 24.8444% | 7,024 |
| Net loans and leases to core deposits | 28.8524% | 6,982 |
| Total domestic deposits to total assets | 84.2019% | 4,128 |
| Equity capital to assets | 12.8715% | 1,664 |
| Core capital (leverage) ratio | 11.6331% | 1,886 |
| Tier 1 risk-based capital ratio | 50.0746% | 140 |
| Total risk-based capital ratio | 51.3103% | 141 |
| Memoranda: | ||
| Average total assets | $223,699,500 | 2,816 |
| Average earning assets | $217,432,000 | 2,668 |
| Average equity | $27,977,250 | 2,411 |
| Average total loans | $41,015,250 | 5,520 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6520% | 7,088 |
| Cost of funding earning assets | 0.8770% | 2,585 |
| Net interest margin | 1.7750% | 7,154 |
| Noninterest income to average assets | 0.0875% | 6,726 |
| Noninterest expense to average assets | 1.2216% | 7,137 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5303% | 4,672 |
| Return on assets (ROA) | 0.5858% | 4,689 |
| Pretax return on assets | 0.6537% | 4,963 |
| Return on Equity (ROE) | 4.7296% | 4,943 |
| Retained earnings to average equity (ytd only) | 4.7296% | 3,459 |
| Net charge-offs to loans | 0.0205% | 5,120 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 165.7500% | 278 |
| Efficiency ratio | 67.3560% | 4,263 |
| Assets per employee ($millions) | 8.9073% | 330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5292% | 3,878 |
| Loan loss allowance to noncurrent loans | 647.4227% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.1284% | 6,470 |
| Noncurrent loans to loans | 0.2362% | 6,100 |
| Net loans and leases to total assets | 18.1600% | 7,108 |
| Net loans and leases to deposits | 21.4436% | 7,121 |
| Net loans and leases to core deposits | 25.0452% | 7,091 |
| Total domestic deposits to total assets | 84.6871% | 4,008 |
| Equity capital to assets | 12.5417% | 1,791 |
| Core capital (leverage) ratio | 11.5755% | 1,858 |
| Tier 1 risk-based capital ratio | 52.9004% | 123 |
| Total risk-based capital ratio | 54.1498% | 120 |
| Memoranda: | ||
| Average total assets | $223,970,000 | 2,828 |
| Average earning assets | $217,798,330 | 2,670 |
| Average equity | $27,740,000 | 2,418 |
| Average total loans | $38,935,000 | 5,650 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7350% | 7,134 |
| Cost of funding earning assets | 0.8922% | 2,752 |
| Net interest margin | 1.8428% | 7,195 |
| Noninterest income to average assets | 0.0908% | 6,785 |
| Noninterest expense to average assets | 1.2110% | 7,207 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5912% | 4,385 |
| Return on assets (ROA) | 0.6981% | 4,106 |
| Pretax return on assets | 0.7978% | 4,419 |
| Return on Equity (ROE) | 5.6717% | 4,467 |
| Retained earnings to average equity (ytd only) | 5.6717% | 3,157 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2115% | 4,886 |
| Assets per employee ($millions) | 8.8459% | 342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6585% | 3,506 |
| Loan loss allowance to noncurrent loans | 601.9048% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.0475% | 6,783 |
| Noncurrent loans to loans | 0.2755% | 6,129 |
| Net loans and leases to total assets | 16.9457% | 7,180 |
| Net loans and leases to deposits | 20.0284% | 7,190 |
| Net loans and leases to core deposits | 23.9812% | 7,155 |
| Total domestic deposits to total assets | 84.6084% | 4,215 |
| Equity capital to assets | 12.5491% | 1,694 |
| Core capital (leverage) ratio | 11.1870% | 2,120 |
| Tier 1 risk-based capital ratio | 55.1214% | 109 |
| Total risk-based capital ratio | 56.3726% | 109 |
| Memoranda: | ||
| Average total assets | $224,614,000 | 2,834 |
| Average earning assets | $218,794,000 | 2,665 |
| Average equity | $27,646,000 | 2,419 |
| Average total loans | $37,869,000 | 5,739 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9518% | 7,187 |
| Cost of funding earning assets | 1.0086% | 3,307 |
| Net interest margin | 1.9432% | 7,230 |
| Noninterest income to average assets | 0.0942% | 6,666 |
| Noninterest expense to average assets | 1.2871% | 7,245 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.6019% | 3,991 |
| Return on assets (ROA) | 0.6673% | 3,834 |
| Pretax return on assets | 0.7607% | 4,116 |
| Return on Equity (ROE) | 5.5611% | 4,098 |
| Retained earnings to average equity (ytd only) | 3.1449% | 3,982 |
| Net charge-offs to loans | -0.0081% | 6,872 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2204% | 4,918 |
| Assets per employee ($millions) | 9.1232% | 315 |
| Cash dividends to net income (ytd only)* | 43.4487% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6795% | 3,282 |
| Loan loss allowance to noncurrent loans | 613.5922% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.0452% | 6,847 |
| Noncurrent loans to loans | 0.2737% | 6,177 |
| Net loans and leases to total assets | 16.2219% | 7,248 |
| Net loans and leases to deposits | 19.0547% | 7,261 |
| Net loans and leases to core deposits | 23.0628% | 7,225 |
| Total domestic deposits to total assets | 85.1334% | 3,770 |
| Equity capital to assets | 12.0747% | 2,066 |
| Core capital (leverage) ratio | 10.9237% | 2,328 |
| Tier 1 risk-based capital ratio | 48.8954% | 139 |
| Total risk-based capital ratio | 50.1635% | 140 |
| Memoranda: | ||
| Average total assets | $220,730,200 | 2,830 |
| Average earning assets | $213,461,400 | 2,692 |
| Average equity | $26,487,600 | 2,437 |
| Average total loans | $37,011,400 | 5,833 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0132% | 7,259 |
| Cost of funding earning assets | 1.0396% | 3,392 |
| Net interest margin | 1.9736% | 7,303 |
| Noninterest income to average assets | 0.0938% | 6,778 |
| Noninterest expense to average assets | 1.2773% | 7,324 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.5710% | 4,213 |
| Return on assets (ROA) | 0.6499% | 4,045 |
| Pretax return on assets | 0.8199% | 4,054 |
| Return on Equity (ROE) | 5.4248% | 4,323 |
| Retained earnings to average equity (ytd only) | 5.4248% | 2,896 |
| Net charge-offs to loans | -0.0109% | 6,792 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9524% | 5,079 |
| Assets per employee ($millions) | 8.9793% | 335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6715% | 3,372 |
| Loan loss allowance to noncurrent loans | 590.6542% | 573 |
| Noncurrent assets plus other real estate owned to assets | 0.0477% | 6,927 |
| Noncurrent loans to loans | 0.2830% | 6,290 |
| Net loans and leases to total assets | 16.5621% | 7,328 |
| Net loans and leases to deposits | 19.5956% | 7,336 |
| Net loans and leases to core deposits | 23.4148% | 7,300 |
| Total domestic deposits to total assets | 84.5191% | 3,997 |
| Equity capital to assets | 12.3974% | 1,973 |
| Core capital (leverage) ratio | 11.3164% | 2,151 |
| Tier 1 risk-based capital ratio | 42.6955% | 206 |
| Total risk-based capital ratio | 43.7836% | 207 |
| Memoranda: | ||
| Average total assets | $218,892,500 | 2,850 |
| Average earning assets | $211,110,250 | 2,724 |
| Average equity | $26,224,500 | 2,460 |
| Average total loans | $36,856,500 | 5,881 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0672% | 7,322 |
| Cost of funding earning assets | 1.0745% | 3,432 |
| Net interest margin | 1.9927% | 7,368 |
| Noninterest income to average assets | 0.0949% | 6,853 |
| Noninterest expense to average assets | 1.3335% | 7,384 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.5913% | 4,100 |
| Return on assets (ROA) | 0.6856% | 3,743 |
| Pretax return on assets | 0.7971% | 4,043 |
| Return on Equity (ROE) | 5.7923% | 4,065 |
| Retained earnings to average equity (ytd only) | 5.7923% | 2,544 |
| Net charge-offs to loans | -0.0164% | 6,785 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9827% | 4,876 |
| Assets per employee ($millions) | 8.7419% | 357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7725% | 3,086 |
| Loan loss allowance to noncurrent loans | 574.5455% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.0503% | 6,970 |
| Noncurrent loans to loans | 0.3085% | 6,304 |
| Net loans and leases to total assets | 16.0253% | 7,407 |
| Net loans and leases to deposits | 18.8732% | 7,411 |
| Net loans and leases to core deposits | 22.7577% | 7,388 |
| Total domestic deposits to total assets | 84.9104% | 3,919 |
| Equity capital to assets | 12.2120% | 1,956 |
| Core capital (leverage) ratio | 11.1928% | 2,117 |
| Tier 1 risk-based capital ratio | 44.2668% | 187 |
| Total risk-based capital ratio | 45.4191% | 182 |
| Memoranda: | ||
| Average total assets | $217,029,000 | 2,888 |
| Average earning assets | $209,770,000 | 2,761 |
| Average equity | $25,689,330 | 2,494 |
| Average total loans | $36,538,330 | 5,952 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0995% | 7,375 |
| Cost of funding earning assets | 1.0852% | 3,618 |
| Net interest margin | 2.0143% | 7,408 |
| Noninterest income to average assets | 0.1017% | 6,905 |
| Noninterest expense to average assets | 1.3039% | 7,457 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6658% | 3,680 |
| Return on assets (ROA) | 0.6658% | 3,754 |
| Pretax return on assets | 0.7546% | 4,082 |
| Return on Equity (ROE) | 5.7167% | 4,057 |
| Retained earnings to average equity (ytd only) | 5.7167% | 2,791 |
| Net charge-offs to loans | -0.0324% | 6,739 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3423% | 5,468 |
| Assets per employee ($millions) | 8.3661% | 418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6532% | 3,514 |
| Loan loss allowance to noncurrent loans | 544.8276% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.0533% | 7,030 |
| Noncurrent loans to loans | 0.3034% | 6,381 |
| Net loans and leases to total assets | 17.2845% | 7,456 |
| Net loans and leases to deposits | 20.1978% | 7,465 |
| Net loans and leases to core deposits | 25.1087% | 7,427 |
| Total domestic deposits to total assets | 85.5760% | 3,743 |
| Equity capital to assets | 11.7305% | 2,098 |
| Core capital (leverage) ratio | 11.1876% | 2,039 |
| Tier 1 risk-based capital ratio | 53.4659% | 135 |
| Total risk-based capital ratio | 54.7055% | 134 |
| Memoranda: | ||
| Average total assets | $216,269,500 | 2,919 |
| Average earning assets | $210,098,500 | 2,786 |
| Average equity | $25,189,500 | 2,524 |
| Average total loans | $36,980,000 | 5,990 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3679% | 7,420 |
| Cost of funding earning assets | 1.3150% | 3,788 |
| Net interest margin | 2.0529% | 7,445 |
| Noninterest income to average assets | 0.1413% | 6,682 |
| Noninterest expense to average assets | 1.3807% | 7,495 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.6306% | 3,530 |
| Return on assets (ROA) | 0.6306% | 3,690 |
| Pretax return on assets | 0.7531% | 3,788 |
| Return on Equity (ROE) | 4.8722% | 4,123 |
| Retained earnings to average equity (ytd only) | 2.3676% | 4,221 |
| Net charge-offs to loans | 0.3032% | 4,498 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 13.7685% | 1,389 |
| Efficiency ratio | 64.7045% | 5,222 |
| Assets per employee ($millions) | 8.6008% | 386 |
| Cash dividends to net income (ytd only)* | 51.4056% | 2,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7604% | 2,990 |
| Loan loss allowance to noncurrent loans | 347.5138% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.0842% | 7,026 |
| Noncurrent loans to loans | 0.5066% | 6,024 |
| Net loans and leases to total assets | 16.3250% | 7,549 |
| Net loans and leases to deposits | 19.0326% | 7,566 |
| Net loans and leases to core deposits | 24.0400% | 7,531 |
| Total domestic deposits to total assets | 85.7739% | 3,463 |
| Equity capital to assets | 11.5631% | 2,206 |
| Core capital (leverage) ratio | 11.3894% | 1,895 |
| Tier 1 risk-based capital ratio | 54.8870% | 124 |
| Total risk-based capital ratio | 56.1394% | 120 |
| Memoranda: | ||
| Average total assets | $197,441,000 | 3,134 |
| Average earning assets | $191,631,800 | 2,981 |
| Average equity | $25,553,400 | 2,494 |
| Average total loans | $35,614,400 | 6,133 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4313% | 7,550 |
| Cost of funding earning assets | 1.3731% | 3,754 |
| Net interest margin | 2.0582% | 7,563 |
| Noninterest income to average assets | 0.1575% | 6,740 |
| Noninterest expense to average assets | 1.2777% | 7,641 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.7148% | 3,353 |
| Return on assets (ROA) | 0.7148% | 3,500 |
| Pretax return on assets | 0.8737% | 3,648 |
| Return on Equity (ROE) | 5.3641% | 4,103 |
| Retained earnings to average equity (ytd only) | 5.3641% | 2,729 |
| Net charge-offs to loans | 0.4047% | 3,671 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 11.7126% | 1,762 |
| Efficiency ratio | 59.3900% | 6,045 |
| Assets per employee ($millions) | 8.2777% | 457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7522% | 2,973 |
| Loan loss allowance to noncurrent loans | 306.8293% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.0991% | 7,106 |
| Noncurrent loans to loans | 0.5711% | 6,063 |
| Net loans and leases to total assets | 17.0429% | 7,646 |
| Net loans and leases to deposits | 20.2978% | 7,663 |
| Net loans and leases to core deposits | 24.6438% | 7,632 |
| Total domestic deposits to total assets | 83.9642% | 4,148 |
| Equity capital to assets | 12.7953% | 1,684 |
| Core capital (leverage) ratio | 12.1844% | 1,568 |
| Tier 1 risk-based capital ratio | 55.3451% | 131 |
| Total risk-based capital ratio | 56.5945% | 128 |
| Memoranda: | ||
| Average total assets | $193,046,250 | 3,237 |
| Average earning assets | $187,016,500 | 3,086 |
| Average equity | $25,726,000 | 2,523 |
| Average total loans | $35,585,250 | 6,219 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5227% | 7,605 |
| Cost of funding earning assets | 1.4141% | 3,786 |
| Net interest margin | 2.1085% | 7,617 |
| Noninterest income to average assets | 0.1868% | 6,566 |
| Noninterest expense to average assets | 1.2897% | 7,712 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.7579% | 3,158 |
| Return on assets (ROA) | 0.7579% | 3,316 |
| Pretax return on assets | 0.9341% | 3,369 |
| Return on Equity (ROE) | 5.6055% | 3,991 |
| Retained earnings to average equity (ytd only) | 5.6055% | 2,555 |
| Net charge-offs to loans | 0.6144% | 2,692 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 8.0734% | 2,193 |
| Efficiency ratio | 57.9952% | 6,378 |
| Assets per employee ($millions) | 7.8349% | 536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8178% | 2,671 |
| Loan loss allowance to noncurrent loans | 307.8431% | 946 |
| Noncurrent assets plus other real estate owned to assets | 0.1041% | 7,134 |
| Noncurrent loans to loans | 0.5905% | 6,066 |
| Net loans and leases to total assets | 17.3168% | 7,713 |
| Net loans and leases to deposits | 20.7311% | 7,727 |
| Net loans and leases to core deposits | 25.1597% | 7,697 |
| Total domestic deposits to total assets | 83.5307% | 4,321 |
| Equity capital to assets | 13.2581% | 1,451 |
| Core capital (leverage) ratio | 12.6382% | 1,350 |
| Tier 1 risk-based capital ratio | 52.3271% | 145 |
| Total risk-based capital ratio | 53.5797% | 143 |
| Memoranda: | ||
| Average total assets | $188,414,000 | 3,330 |
| Average earning assets | $182,022,000 | 3,174 |
| Average equity | $25,475,000 | 2,543 |
| Average total loans | $35,481,000 | 6,265 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6285% | 7,666 |
| Cost of funding earning assets | 1.4518% | 3,860 |
| Net interest margin | 2.1767% | 7,658 |
| Noninterest income to average assets | 0.2079% | 6,474 |
| Noninterest expense to average assets | 1.3082% | 7,801 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8035% | 2,945 |
| Return on assets (ROA) | 0.8035% | 3,046 |
| Pretax return on assets | 1.0006% | 3,093 |
| Return on Equity (ROE) | 5.8824% | 3,929 |
| Retained earnings to average equity (ytd only) | 5.8824% | 2,675 |
| Net charge-offs to loans | -0.0223% | 7,100 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6604% | 6,673 |
| Assets per employee ($millions) | 7.4302% | 672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0690% | 2,022 |
| Loan loss allowance to noncurrent loans | 229.5031% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 0.1733% | 7,042 |
| Noncurrent loans to loans | 0.9015% | 5,513 |
| Net loans and leases to total assets | 18.8307% | 7,800 |
| Net loans and leases to deposits | 22.6751% | 7,817 |
| Net loans and leases to core deposits | 26.8958% | 7,779 |
| Total domestic deposits to total assets | 83.0459% | 4,597 |
| Equity capital to assets | 13.6879% | 1,249 |
| Core capital (leverage) ratio | 12.8506% | 1,270 |
| Tier 1 risk-based capital ratio | 49.5018% | 158 |
| Total risk-based capital ratio | 50.7552% | 157 |
| Memoranda: | ||
| Average total assets | $184,684,500 | 3,435 |
| Average earning assets | $178,255,500 | 3,279 |
| Average equity | $25,228,000 | 2,588 |
| Average total loans | $35,948,000 | 6,319 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1542% | 7,627 |
| Cost of funding earning assets | 1.8019% | 3,987 |
| Net interest margin | 2.3523% | 7,541 |
| Noninterest income to average assets | 0.1918% | 6,723 |
| Noninterest expense to average assets | 1.5639% | 7,786 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.7009% | 2,930 |
| Return on assets (ROA) | 0.7009% | 2,997 |
| Pretax return on assets | 0.8526% | 3,079 |
| Return on Equity (ROE) | 5.1558% | 3,599 |
| Retained earnings to average equity (ytd only) | 3.2148% | 2,908 |
| Net charge-offs to loans | 0.0268% | 6,871 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 155.1000% | 189 |
| Efficiency ratio | 64.7179% | 5,642 |
| Assets per employee ($millions) | 7.3446% | 691 |
| Cash dividends to net income (ytd only)* | 37.6471% | 3,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0371% | 1,943 |
| Loan loss allowance to noncurrent loans | 599.1870% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.0670% | 7,330 |
| Noncurrent loans to loans | 0.3400% | 6,598 |
| Net loans and leases to total assets | 19.3019% | 7,873 |
| Net loans and leases to deposits | 23.2322% | 7,891 |
| Net loans and leases to core deposits | 34.0694% | 7,835 |
| Total domestic deposits to total assets | 83.0824% | 4,488 |
| Equity capital to assets | 13.6319% | 1,267 |
| Core capital (leverage) ratio | 12.7294% | 1,340 |
| Tier 1 risk-based capital ratio | 41.4700% | 226 |
| Total risk-based capital ratio | 42.7215% | 224 |
| Memoranda: | ||
| Average total assets | $181,917,200 | 3,410 |
| Average earning assets | $172,043,400 | 3,323 |
| Average equity | $24,729,200 | 2,641 |
| Average total loans | $37,256,800 | 6,240 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2689% | 7,685 |
| Cost of funding earning assets | 1.8836% | 3,965 |
| Net interest margin | 2.3853% | 7,578 |
| Noninterest income to average assets | 0.1917% | 6,848 |
| Noninterest expense to average assets | 1.3605% | 7,937 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.8360% | 2,673 |
| Return on assets (ROA) | 0.8360% | 2,733 |
| Pretax return on assets | 1.0770% | 2,647 |
| Return on Equity (ROE) | 6.1544% | 3,464 |
| Retained earnings to average equity (ytd only) | 6.1544% | 1,876 |
| Net charge-offs to loans | 0.0320% | 6,443 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 162.8850% | 232 |
| Efficiency ratio | 55.8168% | 7,027 |
| Assets per employee ($millions) | 7.1140% | 748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1350% | 1,532 |
| Loan loss allowance to noncurrent loans | 581.1024% | 565 |
| Noncurrent assets plus other real estate owned to assets | 0.0714% | 7,381 |
| Noncurrent loans to loans | 0.3674% | 6,614 |
| Net loans and leases to total assets | 19.0210% | 7,961 |
| Net loans and leases to deposits | 23.2339% | 7,975 |
| Net loans and leases to core deposits | 33.5818% | 7,924 |
| Total domestic deposits to total assets | 81.8674% | 4,731 |
| Equity capital to assets | 14.4357% | 1,164 |
| Core capital (leverage) ratio | 13.2114% | 1,320 |
| Tier 1 risk-based capital ratio | 44.2739% | 217 |
| Total risk-based capital ratio | 45.5256% | 215 |
| Memoranda: | ||
| Average total assets | $181,493,000 | 3,445 |
| Average earning assets | $170,873,250 | 3,361 |
| Average equity | $24,654,000 | 2,668 |
| Average total loans | $37,526,500 | 6,259 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3780% | 7,727 |
| Cost of funding earning assets | 1.9718% | 3,906 |
| Net interest margin | 2.4062% | 7,566 |
| Noninterest income to average assets | 0.1948% | 6,898 |
| Noninterest expense to average assets | 1.3771% | 8,022 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.8276% | 2,745 |
| Return on assets (ROA) | 0.8276% | 2,843 |
| Pretax return on assets | 1.0673% | 2,744 |
| Return on Equity (ROE) | 6.2186% | 3,550 |
| Retained earnings to average equity (ytd only) | 6.2186% | 1,921 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3368% | 7,080 |
| Assets per employee ($millions) | 7.1484% | 724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9636% | 1,646 |
| Loan loss allowance to noncurrent loans | 1,204.8387% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.0347% | 7,524 |
| Noncurrent loans to loans | 0.1630% | 7,119 |
| Net loans and leases to total assets | 20.8694% | 8,026 |
| Net loans and leases to deposits | 25.2027% | 8,032 |
| Net loans and leases to core deposits | 37.0610% | 7,964 |
| Total domestic deposits to total assets | 82.8063% | 4,328 |
| Equity capital to assets | 13.7401% | 1,406 |
| Core capital (leverage) ratio | 12.6507% | 1,560 |
| Tier 1 risk-based capital ratio | 40.5934% | 296 |
| Total risk-based capital ratio | 41.8436% | 291 |
| Memoranda: | ||
| Average total assets | $182,707,000 | 3,447 |
| Average earning assets | $170,809,000 | 3,382 |
| Average equity | $24,314,000 | 2,722 |
| Average total loans | $38,513,000 | 6,273 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4837% | 7,733 |
| Cost of funding earning assets | 2.0380% | 3,935 |
| Net interest margin | 2.4457% | 7,564 |
| Noninterest income to average assets | 0.1906% | 6,933 |
| Noninterest expense to average assets | 1.3319% | 8,066 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8641% | 2,863 |
| Return on assets (ROA) | 0.8641% | 3,013 |
| Pretax return on assets | 1.1196% | 2,914 |
| Return on Equity (ROE) | 6.5968% | 3,785 |
| Retained earnings to average equity (ytd only) | 6.5968% | 2,380 |
| Net charge-offs to loans | 0.0103% | 5,492 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 517.0000% | 55 |
| Efficiency ratio | 54.3286% | 7,190 |
| Assets per employee ($millions) | 7.6665% | 581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0077% | 1,401 |
| Loan loss allowance to noncurrent loans | 1,097.0588% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.0370% | 7,507 |
| Noncurrent loans to loans | 0.1830% | 7,006 |
| Net loans and leases to total assets | 19.7890% | 8,086 |
| Net loans and leases to deposits | 23.7397% | 8,105 |
| Net loans and leases to core deposits | 34.3545% | 8,042 |
| Total domestic deposits to total assets | 83.3583% | 3,971 |
| Equity capital to assets | 13.2900% | 1,622 |
| Core capital (leverage) ratio | 12.3949% | 1,724 |
| Tier 1 risk-based capital ratio | 39.9695% | 330 |
| Total risk-based capital ratio | 41.2200% | 320 |
| Memoranda: | ||
| Average total assets | $184,705,000 | 3,436 |
| Average earning assets | $170,752,000 | 3,410 |
| Average equity | $24,193,500 | 2,744 |
| Average total loans | $38,748,000 | 6,287 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6798% | 7,983 |
| Cost of funding earning assets | 2.4227% | 4,621 |
| Net interest margin | 2.2571% | 7,931 |
| Noninterest income to average assets | 0.2066% | 6,963 |
| Noninterest expense to average assets | 1.3941% | 8,080 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.7427% | 3,704 |
| Return on assets (ROA) | 0.7427% | 3,544 |
| Pretax return on assets | 0.9232% | 3,648 |
| Return on Equity (ROE) | 5.6747% | 4,084 |
| Retained earnings to average equity (ytd only) | 4.9632% | 2,050 |
| Net charge-offs to loans | -0.2583% | 8,184 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1608% | 6,305 |
| Assets per employee ($millions) | 7.7256% | 508 |
| Cash dividends to net income (ytd only)* | 12.5392% | 4,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8518% | 1,525 |
| Loan loss allowance to noncurrent loans | 747.0000% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.0539% | 7,363 |
| Noncurrent loans to loans | 0.2479% | 6,642 |
| Net loans and leases to total assets | 21.3533% | 8,137 |
| Net loans and leases to deposits | 25.4343% | 8,161 |
| Net loans and leases to core deposits | 35.1954% | 8,111 |
| Total domestic deposits to total assets | 83.9548% | 3,343 |
| Equity capital to assets | 12.9084% | 1,826 |
| Core capital (leverage) ratio | 12.6166% | 1,702 |
| Tier 1 risk-based capital ratio | 36.9292% | 394 |
| Total risk-based capital ratio | 38.1755% | 390 |
| Memoranda: | ||
| Average total assets | $171,798,000 | 3,524 |
| Average earning assets | $160,647,000 | 3,460 |
| Average equity | $22,485,600 | 2,915 |
| Average total loans | $39,100,200 | 6,218 |