Home > Security National Bank of South Dakota > Performance and Condition Ratios
Security National Bank of South Dakota, 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 | 3.5301% | 4,383 |
| Cost of funding earning assets | 1.0432% | 3,201 |
| Net interest margin | 2.4869% | 4,103 |
| Noninterest income to average assets | 2.2800% | 235 |
| Noninterest expense to average assets | 2.3443% | 2,732 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.7301% | 691 |
| Return on assets (ROA) | 1.7301% | 662 |
| Pretax return on assets | 2.2508% | 462 |
| Return on Equity (ROE) | 14.2800% | 1,432 |
| Retained earnings to average equity (ytd only) | 3.0975% | 3,246 |
| Net charge-offs to loans | -0.0031% | 3,747 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 51.0172% | 3,907 |
| Assets per employee ($millions) | 6.8146% | 2,199 |
| Cash dividends to net income (ytd only)* | 78.3085% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6655% | 722 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 61.8700% | 2,687 |
| Net loans and leases to deposits | 76.5369% | 2,400 |
| Net loans and leases to core deposits | 79.8350% | 2,708 |
| Total domestic deposits to total assets | 80.8300% | 3,336 |
| Equity capital to assets | 12.3793% | 1,015 |
| Core capital (leverage) ratio | 13.4328% | 927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $221,433,800 | 2,841 |
| Average earning assets | $205,716,800 | 2,824 |
| Average equity | $26,828,000 | 2,414 |
| Average total loans | $127,675,000 | 2,876 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4575% | 4,401 |
| Cost of funding earning assets | 0.8812% | 3,320 |
| Net interest margin | 2.5763% | 4,057 |
| Noninterest income to average assets | 2.2900% | 251 |
| Noninterest expense to average assets | 2.2866% | 2,833 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.8391% | 613 |
| Return on assets (ROA) | 1.8391% | 606 |
| Pretax return on assets | 2.3916% | 429 |
| Return on Equity (ROE) | 15.2600% | 1,404 |
| Retained earnings to average equity (ytd only) | 15.2612% | 528 |
| Net charge-offs to loans | -0.0043% | 3,703 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 48.8781% | 3,993 |
| Assets per employee ($millions) | 6.1290% | 2,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7581% | 616 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 57.8700% | 3,039 |
| Net loans and leases to deposits | 73.9127% | 2,570 |
| Net loans and leases to core deposits | 76.8585% | 2,812 |
| Total domestic deposits to total assets | 78.2900% | 3,784 |
| Equity capital to assets | 12.4817% | 927 |
| Core capital (leverage) ratio | 14.6192% | 689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $222,275,750 | 2,847 |
| Average earning assets | $206,387,750 | 2,835 |
| Average equity | $26,786,250 | 2,409 |
| Average total loans | $125,295,000 | 2,900 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4218% | 4,408 |
| Cost of funding earning assets | 0.7143% | 3,441 |
| Net interest margin | 2.7076% | 3,960 |
| Noninterest income to average assets | 2.3100% | 213 |
| Noninterest expense to average assets | 2.3050% | 2,791 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.9406% | 515 |
| Return on assets (ROA) | 1.9406% | 514 |
| Pretax return on assets | 2.5276% | 344 |
| Return on Equity (ROE) | 16.3000% | 1,217 |
| Retained earnings to average equity (ytd only) | 16.2955% | 441 |
| Net charge-offs to loans | -0.0065% | 3,779 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 47.6969% | 4,081 |
| Assets per employee ($millions) | 6.3126% | 2,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8054% | 605 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 57.9000% | 2,971 |
| Net loans and leases to deposits | 72.4596% | 2,614 |
| Net loans and leases to core deposits | 74.0108% | 2,883 |
| Total domestic deposits to total assets | 79.9100% | 3,591 |
| Equity capital to assets | 12.8372% | 852 |
| Core capital (leverage) ratio | 14.1442% | 745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $222,820,000 | 2,850 |
| Average earning assets | $207,198,333 | 2,843 |
| Average equity | $26,535,000 | 2,432 |
| Average total loans | $123,737,667 | 2,908 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3499% | 4,409 |
| Cost of funding earning assets | 0.6010% | 3,383 |
| Net interest margin | 2.7489% | 4,011 |
| Noninterest income to average assets | 2.3300% | 205 |
| Noninterest expense to average assets | 2.2475% | 2,965 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.0237% | 473 |
| Return on assets (ROA) | 2.0237% | 467 |
| Pretax return on assets | 2.6389% | 307 |
| Return on Equity (ROE) | 17.6400% | 1,077 |
| Retained earnings to average equity (ytd only) | 17.6436% | 547 |
| Net charge-offs to loans | -0.0131% | 3,946 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 45.9957% | 4,219 |
| Assets per employee ($millions) | 6.1261% | 2,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8445% | 610 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 55.1400% | 3,106 |
| Net loans and leases to deposits | 66.6325% | 2,882 |
| Net loans and leases to core deposits | 67.9829% | 3,101 |
| Total domestic deposits to total assets | 82.7500% | 3,344 |
| Equity capital to assets | 12.1430% | 959 |
| Core capital (leverage) ratio | 13.3709% | 868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $226,916,500 | 2,856 |
| Average earning assets | $210,991,500 | 2,853 |
| Average equity | $26,026,500 | 2,484 |
| Average total loans | $122,324,500 | 2,949 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8035% | 4,322 |
| Cost of funding earning assets | 0.3252% | 2,678 |
| Net interest margin | 2.4783% | 4,308 |
| Noninterest income to average assets | 1.9400% | 258 |
| Noninterest expense to average assets | 1.9224% | 3,785 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.7921% | 450 |
| Return on assets (ROA) | 1.7921% | 432 |
| Pretax return on assets | 2.3346% | 260 |
| Return on Equity (ROE) | 17.1400% | 837 |
| Retained earnings to average equity (ytd only) | 9.4224% | 1,347 |
| Net charge-offs to loans | 0.0178% | 1,745 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 275.6190% | 520 |
| Efficiency ratio | 45.1582% | 4,388 |
| Assets per employee ($millions) | 7.0695% | 1,919 |
| Cash dividends to net income (ytd only)* | 45.0146% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6403% | 899 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 50.9200% | 3,439 |
| Net loans and leases to deposits | 58.9289% | 3,405 |
| Net loans and leases to core deposits | 59.7326% | 3,522 |
| Total domestic deposits to total assets | 86.4000% | 2,604 |
| Equity capital to assets | 10.8331% | 1,328 |
| Core capital (leverage) ratio | 12.3109% | 1,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $247,924,600 | 2,743 |
| Average earning assets | $231,850,400 | 2,723 |
| Average equity | $25,927,600 | 2,535 |
| Average total loans | $117,661,800 | 2,947 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6461% | 4,348 |
| Cost of funding earning assets | 0.2725% | 2,463 |
| Net interest margin | 2.3735% | 4,354 |
| Noninterest income to average assets | 1.9600% | 274 |
| Noninterest expense to average assets | 1.8798% | 3,797 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.7627% | 459 |
| Return on assets (ROA) | 1.7627% | 447 |
| Pretax return on assets | 2.3011% | 273 |
| Return on Equity (ROE) | 17.0000% | 790 |
| Retained earnings to average equity (ytd only) | 16.9963% | 209 |
| Net charge-offs to loans | 0.0103% | 1,735 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 482.4444% | 320 |
| Efficiency ratio | 44.9613% | 4,428 |
| Assets per employee ($millions) | 7.0809% | 1,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7070% | 863 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 47.6700% | 3,654 |
| Net loans and leases to deposits | 55.7941% | 3,499 |
| Net loans and leases to core deposits | 56.2511% | 3,615 |
| Total domestic deposits to total assets | 85.4400% | 3,191 |
| Equity capital to assets | 10.5184% | 1,358 |
| Core capital (leverage) ratio | 11.7086% | 1,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $251,582,250 | 2,743 |
| Average earning assets | $235,815,750 | 2,717 |
| Average equity | $26,091,250 | 2,565 |
| Average total loans | $116,885,500 | 2,964 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3913% | 4,467 |
| Cost of funding earning assets | 0.2595% | 2,149 |
| Net interest margin | 2.1318% | 4,495 |
| Noninterest income to average assets | 1.9413% | 240 |
| Noninterest expense to average assets | 1.8151% | 3,918 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.6317% | 508 |
| Return on assets (ROA) | 1.6317% | 499 |
| Pretax return on assets | 2.1286% | 275 |
| Return on Equity (ROE) | 15.8043% | 737 |
| Retained earnings to average equity (ytd only) | 15.8043% | 207 |
| Net charge-offs to loans | 0.0154% | 1,450 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 301.7778% | 403 |
| Efficiency ratio | 46.0254% | 4,451 |
| Assets per employee ($millions) | 8.1861% | 1,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6910% | 978 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 44.2314% | 3,814 |
| Net loans and leases to deposits | 52.0043% | 3,683 |
| Net loans and leases to core deposits | 52.7018% | 3,771 |
| Total domestic deposits to total assets | 85.0535% | 3,477 |
| Equity capital to assets | 9.8972% | 1,768 |
| Core capital (leverage) ratio | 10.9305% | 1,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $255,193,333 | 2,736 |
| Average earning assets | $239,701,000 | 2,723 |
| Average equity | $26,347,333 | 2,618 |
| Average total loans | $116,928,333 | 2,976 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2625% | 4,485 |
| Cost of funding earning assets | 0.2653% | 1,974 |
| Net interest margin | 1.9973% | 4,517 |
| Noninterest income to average assets | 1.9824% | 243 |
| Noninterest expense to average assets | 1.8379% | 3,846 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.5519% | 570 |
| Return on assets (ROA) | 1.5519% | 563 |
| Pretax return on assets | 2.0221% | 332 |
| Return on Equity (ROE) | 14.7150% | 700 |
| Retained earnings to average equity (ytd only) | 14.7150% | 310 |
| Net charge-offs to loans | 0.0309% | 996 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 141.4444% | 559 |
| Efficiency ratio | 47.6132% | 4,424 |
| Assets per employee ($millions) | 7.9865% | 1,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7109% | 1,035 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 44.8010% | 3,676 |
| Net loans and leases to deposits | 53.7752% | 3,431 |
| Net loans and leases to core deposits | 54.9885% | 3,527 |
| Total domestic deposits to total assets | 83.3117% | 3,902 |
| Equity capital to assets | 10.1108% | 1,820 |
| Core capital (leverage) ratio | 11.1035% | 1,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $251,813,000 | 2,775 |
| Average earning assets | $236,724,500 | 2,758 |
| Average equity | $26,558,000 | 2,682 |
| Average total loans | $116,463,000 | 2,979 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4911% | 4,484 |
| Cost of funding earning assets | 0.3669% | 1,793 |
| Net interest margin | 2.1242% | 4,528 |
| Noninterest income to average assets | 1.8579% | 352 |
| Noninterest expense to average assets | 1.9626% | 3,789 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.4597% | 1,107 |
| Return on assets (ROA) | 1.4597% | 1,176 |
| Pretax return on assets | 1.8946% | 729 |
| Return on Equity (ROE) | 13.3522% | 1,361 |
| Retained earnings to average equity (ytd only) | 6.0400% | 2,344 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8808% | 4,215 |
| Assets per employee ($millions) | 7.5169% | 1,610 |
| Cash dividends to net income (ytd only)* | 54.7645% | 1,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7194% | 1,010 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 46.1320% | 3,683 |
| Net loans and leases to deposits | 54.2128% | 3,585 |
| Net loans and leases to core deposits | 55.7467% | 3,637 |
| Total domestic deposits to total assets | 85.0942% | 3,242 |
| Equity capital to assets | 10.9958% | 1,796 |
| Core capital (leverage) ratio | 10.7423% | 1,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $250,180,400 | 2,727 |
| Average earning assets | $235,480,800 | 2,710 |
| Average equity | $27,351,200 | 2,694 |
| Average total loans | $123,504,800 | 2,920 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4570% | 4,602 |
| Cost of funding earning assets | 0.3831% | 1,835 |
| Net interest margin | 2.0738% | 4,643 |
| Noninterest income to average assets | 1.8650% | 379 |
| Noninterest expense to average assets | 1.9656% | 3,777 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4252% | 1,458 |
| Return on assets (ROA) | 1.4252% | 1,524 |
| Pretax return on assets | 1.8512% | 1,046 |
| Return on Equity (ROE) | 13.0553% | 1,677 |
| Retained earnings to average equity (ytd only) | 13.0553% | 626 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4978% | 4,072 |
| Assets per employee ($millions) | 6.8584% | 1,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6706% | 1,173 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 47.7252% | 3,651 |
| Net loans and leases to deposits | 57.1727% | 3,474 |
| Net loans and leases to core deposits | 58.7979% | 3,563 |
| Total domestic deposits to total assets | 83.4756% | 3,587 |
| Equity capital to assets | 11.5933% | 1,611 |
| Core capital (leverage) ratio | 11.1937% | 1,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $250,711,000 | 2,739 |
| Average earning assets | $235,950,000 | 2,728 |
| Average equity | $27,370,000 | 2,716 |
| Average total loans | $125,272,000 | 2,943 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4290% | 4,661 |
| Cost of funding earning assets | 0.3963% | 1,916 |
| Net interest margin | 2.0327% | 4,697 |
| Noninterest income to average assets | 1.8303% | 378 |
| Noninterest expense to average assets | 1.9541% | 3,829 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3612% | 1,675 |
| Return on assets (ROA) | 1.3612% | 1,754 |
| Pretax return on assets | 1.7898% | 1,262 |
| Return on Equity (ROE) | 12.7263% | 1,815 |
| Retained earnings to average equity (ytd only) | 12.7263% | 772 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1942% | 4,024 |
| Assets per employee ($millions) | 7.7325% | 1,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5915% | 1,293 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 50.0531% | 3,552 |
| Net loans and leases to deposits | 60.1968% | 3,378 |
| Net loans and leases to core deposits | 61.9492% | 3,464 |
| Total domestic deposits to total assets | 83.1491% | 3,676 |
| Equity capital to assets | 11.2071% | 1,829 |
| Core capital (leverage) ratio | 10.7309% | 1,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $251,981,000 | 2,727 |
| Average earning assets | $237,219,667 | 2,706 |
| Average equity | $26,952,000 | 2,741 |
| Average total loans | $127,084,000 | 2,932 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4181% | 4,704 |
| Cost of funding earning assets | 0.4125% | 1,994 |
| Net interest margin | 2.0056% | 4,728 |
| Noninterest income to average assets | 1.7274% | 477 |
| Noninterest expense to average assets | 1.9272% | 3,921 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2806% | 1,888 |
| Return on assets (ROA) | 1.2806% | 1,960 |
| Pretax return on assets | 1.6818% | 1,534 |
| Return on Equity (ROE) | 12.2579% | 1,920 |
| Retained earnings to average equity (ytd only) | 12.2579% | 1,084 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4002% | 3,864 |
| Assets per employee ($millions) | 6.6901% | 2,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5464% | 1,438 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 51.4925% | 3,496 |
| Net loans and leases to deposits | 62.1943% | 3,306 |
| Net loans and leases to core deposits | 64.0739% | 3,407 |
| Total domestic deposits to total assets | 82.7930% | 3,742 |
| Equity capital to assets | 10.8345% | 1,982 |
| Core capital (leverage) ratio | 11.0406% | 1,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $254,251,000 | 2,707 |
| Average earning assets | $238,532,500 | 2,686 |
| Average equity | $26,562,500 | 2,761 |
| Average total loans | $127,698,500 | 2,930 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0581% | 4,598 |
| Cost of funding earning assets | 0.7665% | 1,366 |
| Net interest margin | 2.2916% | 4,723 |
| Noninterest income to average assets | 1.7029% | 435 |
| Noninterest expense to average assets | 2.0382% | 4,066 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.4303% | 950 |
| Return on assets (ROA) | 1.4303% | 1,040 |
| Pretax return on assets | 1.8322% | 637 |
| Return on Equity (ROE) | 13.4600% | 929 |
| Retained earnings to average equity (ytd only) | 13.4600% | 220 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6606% | 4,335 |
| Assets per employee ($millions) | 7.4563% | 1,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5897% | 1,322 |
| Loan loss allowance to noncurrent loans | 7,700.0000% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.0100% | 4,384 |
| Noncurrent loans to loans | 0.0206% | 4,255 |
| Net loans and leases to total assets | 47.4892% | 4,008 |
| Net loans and leases to deposits | 55.4503% | 4,032 |
| Net loans and leases to core deposits | 57.0836% | 4,094 |
| Total domestic deposits to total assets | 85.6427% | 2,516 |
| Equity capital to assets | 10.0801% | 3,051 |
| Core capital (leverage) ratio | 11.0542% | 1,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $229,666,800 | 2,720 |
| Average earning assets | $217,229,600 | 2,692 |
| Average equity | $24,405,600 | 2,850 |
| Average total loans | $123,949,800 | 2,938 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1438% | 4,638 |
| Cost of funding earning assets | 0.8487% | 1,266 |
| Net interest margin | 2.2951% | 4,782 |
| Noninterest income to average assets | 1.6684% | 423 |
| Noninterest expense to average assets | 2.1054% | 3,933 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.3319% | 1,281 |
| Return on assets (ROA) | 1.3319% | 1,368 |
| Pretax return on assets | 1.7459% | 878 |
| Return on Equity (ROE) | 12.3466% | 1,288 |
| Retained earnings to average equity (ytd only) | 12.3466% | 389 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6660% | 4,082 |
| Assets per employee ($millions) | 6.6534% | 1,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5713% | 1,179 |
| Loan loss allowance to noncurrent loans | 7,700.0000% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.0115% | 4,441 |
| Noncurrent loans to loans | 0.0204% | 4,329 |
| Net loans and leases to total assets | 55.4373% | 3,667 |
| Net loans and leases to deposits | 66.7037% | 3,560 |
| Net loans and leases to core deposits | 70.0766% | 3,622 |
| Total domestic deposits to total assets | 83.1098% | 3,118 |
| Equity capital to assets | 11.1487% | 2,284 |
| Core capital (leverage) ratio | 10.7237% | 2,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $221,841,250 | 2,766 |
| Average earning assets | $210,992,000 | 2,718 |
| Average equity | $23,930,500 | 2,874 |
| Average total loans | $123,453,750 | 2,952 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1520% | 4,753 |
| Cost of funding earning assets | 0.9321% | 1,231 |
| Net interest margin | 2.2199% | 4,871 |
| Noninterest income to average assets | 1.6653% | 380 |
| Noninterest expense to average assets | 2.1100% | 4,006 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.2687% | 1,442 |
| Return on assets (ROA) | 1.2687% | 1,563 |
| Pretax return on assets | 1.6626% | 1,069 |
| Return on Equity (ROE) | 11.8975% | 1,353 |
| Retained earnings to average equity (ytd only) | 11.8975% | 473 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9298% | 3,955 |
| Assets per employee ($millions) | 7.4792% | 1,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5567% | 1,109 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 54.6042% | 3,827 |
| Net loans and leases to deposits | 65.5268% | 3,758 |
| Net loans and leases to core deposits | 68.6262% | 3,823 |
| Total domestic deposits to total assets | 83.3310% | 2,984 |
| Equity capital to assets | 10.5410% | 2,718 |
| Core capital (leverage) ratio | 10.3769% | 2,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $220,383,667 | 2,752 |
| Average earning assets | $209,200,333 | 2,718 |
| Average equity | $23,500,667 | 2,892 |
| Average total loans | $122,135,333 | 2,949 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3342% | 4,788 |
| Cost of funding earning assets | 1.1003% | 1,043 |
| Net interest margin | 2.2340% | 4,945 |
| Noninterest income to average assets | 1.6716% | 327 |
| Noninterest expense to average assets | 2.1542% | 4,108 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2467% | 1,385 |
| Return on assets (ROA) | 1.2467% | 1,487 |
| Pretax return on assets | 1.6324% | 987 |
| Return on Equity (ROE) | 11.6191% | 1,224 |
| Retained earnings to average equity (ytd only) | 11.6191% | 469 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8898% | 4,124 |
| Assets per employee ($millions) | 7.4332% | 923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6886% | 895 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 52.2675% | 4,098 |
| Net loans and leases to deposits | 62.3526% | 4,082 |
| Net loans and leases to core deposits | 66.9564% | 4,033 |
| Total domestic deposits to total assets | 83.8258% | 2,847 |
| Equity capital to assets | 10.6284% | 3,208 |
| Core capital (leverage) ratio | 10.6162% | 2,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $214,647,500 | 2,754 |
| Average earning assets | $203,225,000 | 2,722 |
| Average equity | $23,031,000 | 2,921 |
| Average total loans | $118,900,500 | 2,969 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7037% | 4,675 |
| Cost of funding earning assets | 1.0563% | 1,493 |
| Net interest margin | 2.6474% | 4,868 |
| Noninterest income to average assets | 1.8671% | 291 |
| Noninterest expense to average assets | 2.4046% | 3,680 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.5080% | 1,032 |
| Return on assets (ROA) | 1.5080% | 1,098 |
| Pretax return on assets | 1.9467% | 670 |
| Return on Equity (ROE) | 13.0838% | 1,142 |
| Retained earnings to average equity (ytd only) | 4.1161% | 2,909 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2613% | 4,295 |
| Assets per employee ($millions) | 6.6548% | 1,209 |
| Cash dividends to net income (ytd only)* | 68.5401% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6789% | 836 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 56.8314% | 3,862 |
| Net loans and leases to deposits | 66.9491% | 3,899 |
| Net loans and leases to core deposits | 72.0076% | 3,854 |
| Total domestic deposits to total assets | 84.8874% | 2,542 |
| Equity capital to assets | 10.8392% | 3,150 |
| Core capital (leverage) ratio | 10.9687% | 2,525 |
| Tier 1 risk-based capital ratio | 18.9417% | 1,528 |
| Total risk-based capital ratio | 20.1974% | 1,494 |
| Memoranda: | ||
| Average total assets | $193,506,600 | 2,892 |
| Average earning assets | $181,572,800 | 2,872 |
| Average equity | $22,302,400 | 2,937 |
| Average total loans | $118,210,800 | 2,964 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7556% | 4,722 |
| Cost of funding earning assets | 1.0156% | 1,700 |
| Net interest margin | 2.7401% | 4,905 |
| Noninterest income to average assets | 1.8447% | 302 |
| Noninterest expense to average assets | 2.3064% | 3,936 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6065% | 918 |
| Return on assets (ROA) | 1.6065% | 955 |
| Pretax return on assets | 2.1053% | 540 |
| Return on Equity (ROE) | 13.7172% | 1,045 |
| Retained earnings to average equity (ytd only) | 13.7172% | 220 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2789% | 4,576 |
| Assets per employee ($millions) | 6.3017% | 1,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6458% | 909 |
| Loan loss allowance to noncurrent loans | 200,200.0000% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 4,784 |
| Noncurrent loans to loans | 0.0008% | 4,699 |
| Net loans and leases to total assets | 61.2442% | 3,570 |
| Net loans and leases to deposits | 72.8988% | 3,562 |
| Net loans and leases to core deposits | 78.4287% | 3,520 |
| Total domestic deposits to total assets | 84.0126% | 2,821 |
| Equity capital to assets | 12.1277% | 2,161 |
| Core capital (leverage) ratio | 12.5186% | 1,557 |
| Tier 1 risk-based capital ratio | 19.6021% | 1,438 |
| Total risk-based capital ratio | 20.8573% | 1,406 |
| Memoranda: | ||
| Average total assets | $190,308,750 | 2,945 |
| Average earning assets | $178,288,750 | 2,924 |
| Average equity | $22,287,750 | 2,955 |
| Average total loans | $117,952,500 | 2,995 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7507% | 4,770 |
| Cost of funding earning assets | 0.9795% | 1,797 |
| Net interest margin | 2.7711% | 4,950 |
| Noninterest income to average assets | 1.7771% | 314 |
| Noninterest expense to average assets | 2.2627% | 4,097 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6116% | 879 |
| Return on assets (ROA) | 1.6116% | 920 |
| Pretax return on assets | 2.1121% | 536 |
| Return on Equity (ROE) | 13.9324% | 997 |
| Retained earnings to average equity (ytd only) | 13.9324% | 231 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7208% | 4,673 |
| Assets per employee ($millions) | 5.6260% | 1,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6576% | 903 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 63.9752% | 3,347 |
| Net loans and leases to deposits | 77.0551% | 3,243 |
| Net loans and leases to core deposits | 82.1733% | 3,254 |
| Total domestic deposits to total assets | 83.0252% | 3,196 |
| Equity capital to assets | 12.3162% | 1,972 |
| Core capital (leverage) ratio | 12.0697% | 1,784 |
| Tier 1 risk-based capital ratio | 18.9062% | 1,575 |
| Total risk-based capital ratio | 20.1613% | 1,542 |
| Memoranda: | ||
| Average total assets | $188,627,000 | 2,967 |
| Average earning assets | $176,822,000 | 2,951 |
| Average equity | $21,819,670 | 2,987 |
| Average total loans | $116,721,670 | 3,017 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6192% | 4,947 |
| Cost of funding earning assets | 0.9217% | 1,911 |
| Net interest margin | 2.6975% | 5,066 |
| Noninterest income to average assets | 1.7001% | 312 |
| Noninterest expense to average assets | 2.2597% | 4,122 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4960% | 1,121 |
| Return on assets (ROA) | 1.4960% | 1,151 |
| Pretax return on assets | 1.9589% | 690 |
| Return on Equity (ROE) | 13.3543% | 1,126 |
| Retained earnings to average equity (ytd only) | 13.3543% | 420 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5661% | 4,578 |
| Assets per employee ($millions) | 6.6926% | 1,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7172% | 829 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 61.1478% | 3,584 |
| Net loans and leases to deposits | 72.6115% | 3,561 |
| Net loans and leases to core deposits | 77.0497% | 3,593 |
| Total domestic deposits to total assets | 84.2122% | 2,976 |
| Equity capital to assets | 11.6344% | 2,287 |
| Core capital (leverage) ratio | 12.0020% | 1,770 |
| Tier 1 risk-based capital ratio | 18.5558% | 1,644 |
| Total risk-based capital ratio | 19.8109% | 1,601 |
| Memoranda: | ||
| Average total assets | $190,111,500 | 2,993 |
| Average earning assets | $177,496,500 | 2,977 |
| Average equity | $21,296,500 | 3,041 |
| Average total loans | $114,694,000 | 3,087 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5121% | 4,904 |
| Cost of funding earning assets | 0.6218% | 2,576 |
| Net interest margin | 2.8903% | 4,934 |
| Noninterest income to average assets | 1.7981% | 311 |
| Noninterest expense to average assets | 2.2476% | 4,229 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.7497% | 617 |
| Return on assets (ROA) | 1.7497% | 609 |
| Pretax return on assets | 2.2762% | 307 |
| Return on Equity (ROE) | 16.2287% | 583 |
| Retained earnings to average equity (ytd only) | 6.5774% | 1,879 |
| Net charge-offs to loans | 0.0008% | 3,752 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 4,375.0000% | 13 |
| Efficiency ratio | 49.6837% | 4,961 |
| Assets per employee ($millions) | 6.4277% | 1,247 |
| Cash dividends to net income (ytd only)* | 59.4707% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7748% | 714 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 57.4586% | 4,013 |
| Net loans and leases to deposits | 67.1633% | 4,036 |
| Net loans and leases to core deposits | 70.9252% | 4,063 |
| Total domestic deposits to total assets | 85.5506% | 2,420 |
| Equity capital to assets | 10.7820% | 2,897 |
| Core capital (leverage) ratio | 11.6351% | 2,002 |
| Tier 1 risk-based capital ratio | 18.1781% | 1,707 |
| Total risk-based capital ratio | 19.4334% | 1,654 |
| Memoranda: | ||
| Average total assets | $192,203,200 | 2,941 |
| Average earning assets | $181,260,000 | 2,904 |
| Average equity | $20,722,600 | 3,017 |
| Average total loans | $118,235,400 | 3,014 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4760% | 4,951 |
| Cost of funding earning assets | 0.5738% | 2,670 |
| Net interest margin | 2.9021% | 4,973 |
| Noninterest income to average assets | 1.8141% | 319 |
| Noninterest expense to average assets | 2.1453% | 4,445 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.8446% | 560 |
| Return on assets (ROA) | 1.8446% | 558 |
| Pretax return on assets | 2.4181% | 271 |
| Return on Equity (ROE) | 17.1094% | 535 |
| Retained earnings to average equity (ytd only) | 17.1094% | 105 |
| Net charge-offs to loans | 0.0011% | 3,460 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 3,491.6391% | 15 |
| Efficiency ratio | 47.0105% | 5,099 |
| Assets per employee ($millions) | 5.9474% | 1,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6321% | 1,003 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 65.4467% | 3,250 |
| Net loans and leases to deposits | 79.8164% | 3,068 |
| Net loans and leases to core deposits | 84.7133% | 3,100 |
| Total domestic deposits to total assets | 81.9965% | 3,610 |
| Equity capital to assets | 11.8561% | 2,002 |
| Core capital (leverage) ratio | 12.0769% | 1,741 |
| Tier 1 risk-based capital ratio | 17.6341% | 1,888 |
| Total risk-based capital ratio | 18.8884% | 1,845 |
| Memoranda: | ||
| Average total assets | $192,046,250 | 2,972 |
| Average earning assets | $181,930,500 | 2,924 |
| Average equity | $20,705,500 | 3,047 |
| Average total loans | $119,594,250 | 3,026 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3573% | 5,083 |
| Cost of funding earning assets | 0.5388% | 2,698 |
| Net interest margin | 2.8185% | 5,099 |
| Noninterest income to average assets | 1.7821% | 325 |
| Noninterest expense to average assets | 2.0914% | 4,630 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.8037% | 576 |
| Return on assets (ROA) | 1.8037% | 578 |
| Pretax return on assets | 2.3627% | 293 |
| Return on Equity (ROE) | 17.2728% | 495 |
| Retained earnings to average equity (ytd only) | 17.2728% | 119 |
| Net charge-offs to loans | 0.0017% | 3,150 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 2,299.0000% | 25 |
| Efficiency ratio | 46.9543% | 5,167 |
| Assets per employee ($millions) | 6.1623% | 1,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6305% | 1,026 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 65.3351% | 3,236 |
| Net loans and leases to deposits | 78.7745% | 3,079 |
| Net loans and leases to core deposits | 83.5668% | 3,114 |
| Total domestic deposits to total assets | 82.9394% | 3,423 |
| Equity capital to assets | 11.4080% | 2,260 |
| Core capital (leverage) ratio | 11.5165% | 2,061 |
| Tier 1 risk-based capital ratio | 17.0907% | 2,069 |
| Total risk-based capital ratio | 18.3451% | 2,014 |
| Memoranda: | ||
| Average total assets | $194,605,000 | 2,953 |
| Average earning assets | $184,496,000 | 2,920 |
| Average equity | $20,321,000 | 3,101 |
| Average total loans | $118,570,330 | 3,056 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1695% | 5,256 |
| Cost of funding earning assets | 0.5170% | 2,662 |
| Net interest margin | 2.6525% | 5,287 |
| Noninterest income to average assets | 1.7025% | 346 |
| Noninterest expense to average assets | 2.0193% | 4,811 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6824% | 709 |
| Return on assets (ROA) | 1.6824% | 719 |
| Pretax return on assets | 2.2038% | 377 |
| Return on Equity (ROE) | 16.8334% | 527 |
| Retained earnings to average equity (ytd only) | 16.8334% | 198 |
| Net charge-offs to loans | 0.0034% | 2,614 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 1,099.0000% | 51 |
| Efficiency ratio | 47.8158% | 5,200 |
| Assets per employee ($millions) | 6.5839% | 1,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6873% | 973 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 61.0947% | 3,634 |
| Net loans and leases to deposits | 72.1804% | 3,590 |
| Net loans and leases to core deposits | 76.4617% | 3,628 |
| Total domestic deposits to total assets | 84.6417% | 3,052 |
| Equity capital to assets | 10.5943% | 2,974 |
| Core capital (leverage) ratio | 10.9206% | 2,521 |
| Tier 1 risk-based capital ratio | 16.7076% | 2,209 |
| Total risk-based capital ratio | 17.9623% | 2,153 |
| Memoranda: | ||
| Average total assets | $199,472,500 | 2,935 |
| Average earning assets | $189,559,500 | 2,890 |
| Average equity | $19,936,500 | 3,165 |
| Average total loans | $116,462,000 | 3,109 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1151% | 5,274 |
| Cost of funding earning assets | 0.5471% | 1,978 |
| Net interest margin | 2.5680% | 5,372 |
| Noninterest income to average assets | 1.7616% | 361 |
| Noninterest expense to average assets | 2.1838% | 4,559 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.1602% | 1,647 |
| Return on assets (ROA) | 1.1602% | 1,678 |
| Pretax return on assets | 2.0056% | 483 |
| Return on Equity (ROE) | 11.5840% | 1,318 |
| Retained earnings to average equity (ytd only) | 6.4561% | 1,299 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1270% | 5,093 |
| Assets per employee ($millions) | 6.7101% | 1,101 |
| Cash dividends to net income (ytd only)* | 44.2674% | 2,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7528% | 853 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 53.9724% | 4,370 |
| Net loans and leases to deposits | 62.5803% | 4,400 |
| Net loans and leases to core deposits | 65.9006% | 4,421 |
| Total domestic deposits to total assets | 86.2450% | 2,329 |
| Equity capital to assets | 9.4442% | 4,275 |
| Core capital (leverage) ratio | 10.6955% | 2,654 |
| Tier 1 risk-based capital ratio | 16.1473% | 2,381 |
| Total risk-based capital ratio | 17.4020% | 2,320 |
| Memoranda: | ||
| Average total assets | $194,706,200 | 2,973 |
| Average earning assets | $184,074,000 | 2,922 |
| Average equity | $19,501,000 | 3,200 |
| Average total loans | $106,281,800 | 3,244 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0786% | 5,356 |
| Cost of funding earning assets | 0.5633% | 1,788 |
| Net interest margin | 2.5153% | 5,460 |
| Noninterest income to average assets | 1.7668% | 377 |
| Noninterest expense to average assets | 2.1283% | 4,672 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.3042% | 1,317 |
| Return on assets (ROA) | 1.3042% | 1,357 |
| Pretax return on assets | 2.0120% | 532 |
| Return on Equity (ROE) | 12.8227% | 1,095 |
| Retained earnings to average equity (ytd only) | 12.8227% | 234 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4050% | 5,147 |
| Assets per employee ($millions) | 5.9428% | 1,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8140% | 834 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 58.8502% | 3,978 |
| Net loans and leases to deposits | 68.6698% | 4,068 |
| Net loans and leases to core deposits | 72.0036% | 4,127 |
| Total domestic deposits to total assets | 85.7003% | 2,429 |
| Equity capital to assets | 11.1297% | 2,736 |
| Core capital (leverage) ratio | 11.0799% | 2,387 |
| Tier 1 risk-based capital ratio | 17.3764% | 2,044 |
| Total risk-based capital ratio | 18.6320% | 1,994 |
| Memoranda: | ||
| Average total assets | $191,379,750 | 3,032 |
| Average earning assets | $180,599,750 | 2,983 |
| Average equity | $19,465,000 | 3,225 |
| Average total loans | $104,284,250 | 3,302 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9860% | 5,449 |
| Cost of funding earning assets | 0.5652% | 1,682 |
| Net interest margin | 2.4208% | 5,554 |
| Noninterest income to average assets | 1.6856% | 406 |
| Noninterest expense to average assets | 2.0499% | 4,880 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2427% | 1,468 |
| Return on assets (ROA) | 1.2427% | 1,494 |
| Pretax return on assets | 1.9168% | 625 |
| Return on Equity (ROE) | 12.5950% | 1,143 |
| Retained earnings to average equity (ytd only) | 12.5950% | 273 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6784% | 5,204 |
| Assets per employee ($millions) | 5.8450% | 1,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8393% | 812 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 57.1528% | 4,107 |
| Net loans and leases to deposits | 67.6056% | 4,102 |
| Net loans and leases to core deposits | 70.9965% | 4,162 |
| Total domestic deposits to total assets | 84.5385% | 2,997 |
| Equity capital to assets | 10.5999% | 3,228 |
| Core capital (leverage) ratio | 10.3510% | 3,068 |
| Tier 1 risk-based capital ratio | 16.4762% | 2,333 |
| Total risk-based capital ratio | 17.7310% | 2,278 |
| Memoranda: | ||
| Average total assets | $193,764,000 | 3,025 |
| Average earning assets | $182,588,000 | 2,979 |
| Average equity | $19,118,670 | 3,260 |
| Average total loans | $102,238,670 | 3,356 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8768% | 5,556 |
| Cost of funding earning assets | 0.5572% | 1,675 |
| Net interest margin | 2.3195% | 5,652 |
| Noninterest income to average assets | 1.6254% | 421 |
| Noninterest expense to average assets | 2.0251% | 4,995 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1546% | 1,647 |
| Return on assets (ROA) | 1.1546% | 1,682 |
| Pretax return on assets | 1.7796% | 835 |
| Return on Equity (ROE) | 12.1290% | 1,198 |
| Retained earnings to average equity (ytd only) | 12.1290% | 460 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2267% | 5,186 |
| Assets per employee ($millions) | 6.5088% | 1,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9954% | 677 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 50.3828% | 4,646 |
| Net loans and leases to deposits | 59.4437% | 4,601 |
| Net loans and leases to core deposits | 62.4944% | 4,619 |
| Total domestic deposits to total assets | 84.7571% | 3,185 |
| Equity capital to assets | 9.7903% | 3,984 |
| Core capital (leverage) ratio | 10.0263% | 3,462 |
| Tier 1 risk-based capital ratio | 16.3166% | 2,427 |
| Total risk-based capital ratio | 17.5722% | 2,367 |
| Memoranda: | ||
| Average total assets | $197,126,500 | 3,024 |
| Average earning assets | $185,209,000 | 2,992 |
| Average equity | $18,765,000 | 3,312 |
| Average total loans | $98,907,500 | 3,438 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9403% | 5,544 |
| Cost of funding earning assets | 0.5528% | 1,661 |
| Net interest margin | 2.3875% | 5,653 |
| Noninterest income to average assets | 1.6765% | 428 |
| Noninterest expense to average assets | 2.1529% | 4,884 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1586% | 1,656 |
| Return on assets (ROA) | 1.1586% | 1,752 |
| Pretax return on assets | 1.7819% | 835 |
| Return on Equity (ROE) | 11.5316% | 1,384 |
| Retained earnings to average equity (ytd only) | 6.1556% | 1,630 |
| Net charge-offs to loans | -0.0042% | 4,783 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7152% | 5,181 |
| Assets per employee ($millions) | 6.6329% | 1,085 |
| Cash dividends to net income (ytd only)* | 46.6200% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0558% | 595 |
| Loan loss allowance to noncurrent loans | 3,576.7857% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.0281% | 5,262 |
| Noncurrent loans to loans | 0.0575% | 5,020 |
| Net loans and leases to total assets | 47.9572% | 4,900 |
| Net loans and leases to deposits | 55.2587% | 4,952 |
| Net loans and leases to core deposits | 58.1522% | 4,955 |
| Total domestic deposits to total assets | 86.7866% | 2,250 |
| Equity capital to assets | 9.2533% | 4,515 |
| Core capital (leverage) ratio | 10.1834% | 3,246 |
| Tier 1 risk-based capital ratio | 16.0953% | 2,504 |
| Total risk-based capital ratio | 17.3510% | 2,444 |
| Memoranda: | ||
| Average total assets | $185,142,800 | 3,110 |
| Average earning assets | $175,120,800 | 3,056 |
| Average equity | $18,601,000 | 3,327 |
| Average total loans | $95,718,000 | 3,466 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9892% | 5,577 |
| Cost of funding earning assets | 0.5604% | 1,608 |
| Net interest margin | 2.4288% | 5,697 |
| Noninterest income to average assets | 1.7048% | 429 |
| Noninterest expense to average assets | 2.1781% | 4,820 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1852% | 1,692 |
| Return on assets (ROA) | 1.1852% | 1,792 |
| Pretax return on assets | 1.8229% | 859 |
| Return on Equity (ROE) | 11.5470% | 1,478 |
| Retained earnings to average equity (ytd only) | 11.5470% | 353 |
| Net charge-offs to loans | -0.0056% | 4,641 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4387% | 5,205 |
| Assets per employee ($millions) | 6.0757% | 1,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1149% | 589 |
| Loan loss allowance to noncurrent loans | 3,576.7857% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.0307% | 5,375 |
| Noncurrent loans to loans | 0.0591% | 5,121 |
| Net loans and leases to total assets | 50.8614% | 4,752 |
| Net loans and leases to deposits | 58.0697% | 4,873 |
| Net loans and leases to core deposits | 61.5104% | 4,859 |
| Total domestic deposits to total assets | 87.5867% | 1,618 |
| Equity capital to assets | 10.7356% | 3,327 |
| Core capital (leverage) ratio | 10.5330% | 2,962 |
| Tier 1 risk-based capital ratio | 17.5890% | 2,047 |
| Total risk-based capital ratio | 18.8466% | 2,005 |
| Memoranda: | ||
| Average total assets | $181,681,500 | 3,160 |
| Average earning assets | $171,768,500 | 3,102 |
| Average equity | $18,648,000 | 3,351 |
| Average total loans | $95,289,500 | 3,486 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0055% | 5,642 |
| Cost of funding earning assets | 0.5526% | 1,679 |
| Net interest margin | 2.4529% | 5,769 |
| Noninterest income to average assets | 1.6001% | 477 |
| Noninterest expense to average assets | 2.1093% | 5,037 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1759% | 1,685 |
| Return on assets (ROA) | 1.1759% | 1,781 |
| Pretax return on assets | 1.8095% | 867 |
| Return on Equity (ROE) | 11.6349% | 1,436 |
| Retained earnings to average equity (ytd only) | 11.6349% | 375 |
| Net charge-offs to loans | -0.0105% | 4,712 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8245% | 5,323 |
| Assets per employee ($millions) | 6.3104% | 1,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1652% | 571 |
| Loan loss allowance to noncurrent loans | 3,643.6364% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.0301% | 5,465 |
| Noncurrent loans to loans | 0.0594% | 5,210 |
| Net loans and leases to total assets | 49.4820% | 4,875 |
| Net loans and leases to deposits | 57.6962% | 4,918 |
| Net loans and leases to core deposits | 60.9678% | 4,937 |
| Total domestic deposits to total assets | 85.7630% | 2,534 |
| Equity capital to assets | 10.4103% | 3,736 |
| Core capital (leverage) ratio | 10.2291% | 3,295 |
| Tier 1 risk-based capital ratio | 17.9001% | 1,958 |
| Total risk-based capital ratio | 19.1588% | 1,915 |
| Memoranda: | ||
| Average total assets | $181,484,670 | 3,180 |
| Average earning assets | $171,555,000 | 3,128 |
| Average equity | $18,341,330 | 3,393 |
| Average total loans | $95,483,000 | 3,496 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0229% | 5,667 |
| Cost of funding earning assets | 0.5447% | 1,756 |
| Net interest margin | 2.4781% | 5,824 |
| Noninterest income to average assets | 1.6555% | 439 |
| Noninterest expense to average assets | 2.1203% | 5,073 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2195% | 1,489 |
| Return on assets (ROA) | 1.2195% | 1,596 |
| Pretax return on assets | 1.8813% | 720 |
| Return on Equity (ROE) | 12.2536% | 1,230 |
| Retained earnings to average equity (ytd only) | 12.2536% | 469 |
| Net charge-offs to loans | -0.0206% | 4,877 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9867% | 5,455 |
| Assets per employee ($millions) | 6.5108% | 1,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0940% | 690 |
| Loan loss allowance to noncurrent loans | 3,643.6364% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.0302% | 5,522 |
| Noncurrent loans to loans | 0.0575% | 5,249 |
| Net loans and leases to total assets | 51.3979% | 4,690 |
| Net loans and leases to deposits | 59.5601% | 4,747 |
| Net loans and leases to core deposits | 62.9552% | 4,757 |
| Total domestic deposits to total assets | 86.2959% | 2,541 |
| Equity capital to assets | 10.0640% | 3,996 |
| Core capital (leverage) ratio | 10.0273% | 3,506 |
| Tier 1 risk-based capital ratio | 16.7673% | 2,369 |
| Total risk-based capital ratio | 18.0246% | 2,314 |
| Memoranda: | ||
| Average total assets | $180,726,000 | 3,189 |
| Average earning assets | $171,096,000 | 3,140 |
| Average equity | $17,986,500 | 3,442 |
| Average total loans | $96,946,000 | 3,474 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0588% | 5,681 |
| Cost of funding earning assets | 0.4833% | 2,326 |
| Net interest margin | 2.5755% | 5,774 |
| Noninterest income to average assets | 1.8018% | 411 |
| Noninterest expense to average assets | 2.0349% | 5,387 |
| Loan and lease loss provision to assets | 0.1123% | 2,122 |
| Net operating income to assets | 1.3463% | 1,164 |
| Return on assets (ROA) | 1.3463% | 1,198 |
| Pretax return on assets | 2.0877% | 445 |
| Return on Equity (ROE) | 14.4365% | 779 |
| Retained earnings to average equity (ytd only) | 14.4365% | 150 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0504% | 5,842 |
| Assets per employee ($millions) | 6.3982% | 1,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0359% | 758 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 53.6922% | 4,535 |
| Net loans and leases to deposits | 61.5602% | 4,664 |
| Net loans and leases to core deposits | 64.9482% | 4,677 |
| Total domestic deposits to total assets | 87.2190% | 2,024 |
| Equity capital to assets | 9.8387% | 4,146 |
| Core capital (leverage) ratio | 9.8135% | 3,750 |
| Tier 1 risk-based capital ratio | 15.7093% | 2,826 |
| Total risk-based capital ratio | 16.9657% | 2,761 |
| Memoranda: | ||
| Average total assets | $178,040,800 | 3,200 |
| Average earning assets | $168,203,400 | 3,145 |
| Average equity | $16,603,800 | 3,585 |
| Average total loans | $91,500,400 | 3,560 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0274% | 5,788 |
| Cost of funding earning assets | 0.4749% | 2,454 |
| Net interest margin | 2.5525% | 5,878 |
| Noninterest income to average assets | 1.8338% | 405 |
| Noninterest expense to average assets | 2.0004% | 5,477 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.4551% | 999 |
| Return on assets (ROA) | 1.4551% | 1,041 |
| Pretax return on assets | 2.2441% | 375 |
| Return on Equity (ROE) | 15.8219% | 618 |
| Retained earnings to average equity (ytd only) | 15.8219% | 134 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1285% | 5,914 |
| Assets per employee ($millions) | 6.5937% | 1,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8799% | 1,115 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 52.7422% | 4,686 |
| Net loans and leases to deposits | 63.3754% | 4,609 |
| Net loans and leases to core deposits | 64.7557% | 4,778 |
| Total domestic deposits to total assets | 83.2219% | 3,728 |
| Equity capital to assets | 9.7663% | 4,423 |
| Core capital (leverage) ratio | 9.6212% | 4,143 |
| Tier 1 risk-based capital ratio | 15.5654% | 3,018 |
| Total risk-based capital ratio | 16.8199% | 2,942 |
| Memoranda: | ||
| Average total assets | $177,763,750 | 3,229 |
| Average earning assets | $167,882,250 | 3,178 |
| Average equity | $16,348,250 | 3,655 |
| Average total loans | $89,828,500 | 3,627 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9743% | 5,885 |
| Cost of funding earning assets | 0.4699% | 2,520 |
| Net interest margin | 2.5045% | 5,957 |
| Noninterest income to average assets | 1.8202% | 423 |
| Noninterest expense to average assets | 2.0059% | 5,521 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.4138% | 1,063 |
| Return on assets (ROA) | 1.4138% | 1,094 |
| Pretax return on assets | 2.1781% | 433 |
| Return on Equity (ROE) | 15.6980% | 642 |
| Retained earnings to average equity (ytd only) | 15.6980% | 160 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9419% | 5,966 |
| Assets per employee ($millions) | 6.7932% | 930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0183% | 957 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 49.4474% | 4,981 |
| Net loans and leases to deposits | 58.9719% | 4,935 |
| Net loans and leases to core deposits | 60.2535% | 5,058 |
| Total domestic deposits to total assets | 83.8491% | 3,634 |
| Equity capital to assets | 9.3839% | 4,805 |
| Core capital (leverage) ratio | 9.3440% | 4,495 |
| Tier 1 risk-based capital ratio | 15.7487% | 2,981 |
| Total risk-based capital ratio | 17.0046% | 2,928 |
| Memoranda: | ||
| Average total assets | $177,675,000 | 3,246 |
| Average earning assets | $167,700,670 | 3,202 |
| Average equity | $16,002,000 | 3,729 |
| Average total loans | $87,872,670 | 3,695 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9892% | 5,907 |
| Cost of funding earning assets | 0.4729% | 2,530 |
| Net interest margin | 2.5163% | 5,998 |
| Noninterest income to average assets | 1.9394% | 374 |
| Noninterest expense to average assets | 2.0404% | 5,503 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4747% | 896 |
| Return on assets (ROA) | 1.4747% | 955 |
| Pretax return on assets | 2.2761% | 337 |
| Return on Equity (ROE) | 16.7218% | 494 |
| Retained earnings to average equity (ytd only) | 16.7218% | 192 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2699% | 6,053 |
| Assets per employee ($millions) | 6.8446% | 915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0367% | 1,013 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 48.6230% | 4,971 |
| Net loans and leases to deposits | 55.4933% | 5,081 |
| Net loans and leases to core deposits | 56.6345% | 5,213 |
| Total domestic deposits to total assets | 87.6196% | 2,032 |
| Equity capital to assets | 9.0611% | 5,223 |
| Core capital (leverage) ratio | 8.8471% | 5,139 |
| Tier 1 risk-based capital ratio | 15.1734% | 3,334 |
| Total risk-based capital ratio | 16.4296% | 3,252 |
| Memoranda: | ||
| Average total assets | $178,201,500 | 3,263 |
| Average earning assets | $168,340,500 | 3,206 |
| Average equity | $15,716,000 | 3,796 |
| Average total loans | $87,242,000 | 3,719 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7805% | 6,217 |
| Cost of funding earning assets | 0.4674% | 3,002 |
| Net interest margin | 2.3132% | 6,263 |
| Noninterest income to average assets | 1.6462% | 469 |
| Noninterest expense to average assets | 1.9098% | 5,919 |
| Loan and lease loss provision to assets | 0.2724% | 793 |
| Net operating income to assets | 1.0470% | 2,176 |
| Return on assets (ROA) | 1.0470% | 2,248 |
| Pretax return on assets | 1.5993% | 1,238 |
| Return on Equity (ROE) | 13.4137% | 1,063 |
| Retained earnings to average equity (ytd only) | 13.4137% | 204 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5042% | 6,069 |
| Assets per employee ($millions) | 7.4352% | 683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0881% | 967 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 47.2737% | 5,223 |
| Net loans and leases to deposits | 54.4298% | 5,300 |
| Net loans and leases to core deposits | 55.5583% | 5,408 |
| Total domestic deposits to total assets | 86.8525% | 2,355 |
| Equity capital to assets | 8.5780% | 5,660 |
| Core capital (leverage) ratio | 8.3371% | 5,741 |
| Tier 1 risk-based capital ratio | 14.8715% | 3,555 |
| Total risk-based capital ratio | 16.1276% | 3,487 |
| Memoranda: | ||
| Average total assets | $183,579,400 | 3,170 |
| Average earning assets | $169,463,000 | 3,165 |
| Average equity | $14,328,600 | 3,972 |
| Average total loans | $76,787,800 | 3,976 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6915% | 6,333 |
| Cost of funding earning assets | 0.4685% | 3,063 |
| Net interest margin | 2.2230% | 6,376 |
| Noninterest income to average assets | 1.6358% | 486 |
| Noninterest expense to average assets | 1.7865% | 6,108 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2376% | 1,559 |
| Return on assets (ROA) | 1.2376% | 1,617 |
| Pretax return on assets | 1.8925% | 731 |
| Return on Equity (ROE) | 16.2450% | 652 |
| Retained earnings to average equity (ytd only) | 16.2450% | 156 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5591% | 6,175 |
| Assets per employee ($millions) | 7.0404% | 793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6504% | 2,135 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 42.2888% | 5,649 |
| Net loans and leases to deposits | 46.9507% | 5,824 |
| Net loans and leases to core deposits | 47.8619% | 5,891 |
| Total domestic deposits to total assets | 90.0705% | 703 |
| Equity capital to assets | 8.1977% | 6,017 |
| Core capital (leverage) ratio | 7.9571% | 6,099 |
| Tier 1 risk-based capital ratio | 15.5954% | 3,264 |
| Total risk-based capital ratio | 16.8470% | 3,204 |
| Memoranda: | ||
| Average total assets | $184,863,250 | 3,188 |
| Average earning assets | $169,914,000 | 3,188 |
| Average equity | $14,084,000 | 4,032 |
| Average total loans | $74,445,750 | 4,068 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6630% | 6,415 |
| Cost of funding earning assets | 0.4697% | 3,108 |
| Net interest margin | 2.1933% | 6,454 |
| Noninterest income to average assets | 1.5798% | 501 |
| Noninterest expense to average assets | 1.7901% | 6,162 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1733% | 1,676 |
| Return on assets (ROA) | 1.1733% | 1,745 |
| Pretax return on assets | 1.7890% | 858 |
| Return on Equity (ROE) | 15.7948% | 674 |
| Retained earnings to average equity (ytd only) | 15.7948% | 179 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0151% | 6,174 |
| Assets per employee ($millions) | 7.7638% | 555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7210% | 2,073 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 38.2194% | 5,944 |
| Net loans and leases to deposits | 43.0215% | 6,026 |
| Net loans and leases to core deposits | 43.8174% | 6,070 |
| Total domestic deposits to total assets | 88.8379% | 1,451 |
| Equity capital to assets | 7.4804% | 6,354 |
| Core capital (leverage) ratio | 7.5169% | 6,311 |
| Tier 1 risk-based capital ratio | 15.4190% | 3,402 |
| Total risk-based capital ratio | 16.6710% | 3,340 |
| Memoranda: | ||
| Average total assets | $185,467,330 | 3,202 |
| Average earning assets | $169,058,330 | 3,211 |
| Average equity | $13,776,670 | 4,087 |
| Average total loans | $73,024,670 | 4,133 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7097% | 6,458 |
| Cost of funding earning assets | 0.4799% | 3,107 |
| Net interest margin | 2.2298% | 6,513 |
| Noninterest income to average assets | 1.5832% | 485 |
| Noninterest expense to average assets | 1.8747% | 6,102 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1239% | 1,723 |
| Return on assets (ROA) | 1.1239% | 1,787 |
| Pretax return on assets | 1.7090% | 960 |
| Return on Equity (ROE) | 15.1878% | 755 |
| Retained earnings to average equity (ytd only) | 15.1878% | 313 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3105% | 6,117 |
| Assets per employee ($millions) | 7.5217% | 621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7602% | 2,153 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 38.5550% | 5,903 |
| Net loans and leases to deposits | 42.8824% | 6,030 |
| Net loans and leases to core deposits | 43.4944% | 6,097 |
| Total domestic deposits to total assets | 89.9087% | 1,124 |
| Equity capital to assets | 7.3153% | 6,373 |
| Core capital (leverage) ratio | 7.8990% | 6,177 |
| Tier 1 risk-based capital ratio | 14.5354% | 3,990 |
| Total risk-based capital ratio | 15.7868% | 3,933 |
| Memoranda: | ||
| Average total assets | $181,153,500 | 3,260 |
| Average earning assets | $162,529,000 | 3,316 |
| Average equity | $13,405,500 | 4,168 |
| Average total loans | $71,796,500 | 4,210 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4366% | 6,633 |
| Cost of funding earning assets | 0.5833% | 2,801 |
| Net interest margin | 1.8533% | 6,678 |
| Noninterest income to average assets | 1.7272% | 494 |
| Noninterest expense to average assets | 2.0650% | 5,903 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9267% | 2,655 |
| Return on assets (ROA) | 0.9267% | 2,739 |
| Pretax return on assets | 1.3882% | 1,828 |
| Return on Equity (ROE) | 12.1386% | 1,376 |
| Retained earnings to average equity (ytd only) | 12.1386% | 307 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7987% | 5,499 |
| Assets per employee ($millions) | 6.9706% | 783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8612% | 1,887 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 39.3053% | 6,011 |
| Net loans and leases to deposits | 43.4814% | 6,147 |
| Net loans and leases to core deposits | 44.1459% | 6,214 |
| Total domestic deposits to total assets | 90.3956% | 877 |
| Equity capital to assets | 7.4915% | 6,287 |
| Core capital (leverage) ratio | 7.2613% | 6,456 |
| Tier 1 risk-based capital ratio | 14.8211% | 3,768 |
| Total risk-based capital ratio | 16.0732% | 3,715 |
| Memoranda: | ||
| Average total assets | $164,021,200 | 3,499 |
| Average earning assets | $152,751,400 | 3,458 |
| Average equity | $12,522,000 | 4,349 |
| Average total loans | $55,996,000 | 4,750 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3798% | 6,734 |
| Cost of funding earning assets | 0.6036% | 2,780 |
| Net interest margin | 1.7762% | 6,774 |
| Noninterest income to average assets | 1.7597% | 502 |
| Noninterest expense to average assets | 2.0587% | 5,910 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9067% | 2,803 |
| Return on assets (ROA) | 0.9067% | 2,909 |
| Pretax return on assets | 1.3559% | 2,091 |
| Return on Equity (ROE) | 11.8168% | 1,536 |
| Retained earnings to average equity (ytd only) | 11.8168% | 446 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2902% | 5,393 |
| Assets per employee ($millions) | 6.3706% | 991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2130% | 1,306 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 36.0397% | 6,279 |
| Net loans and leases to deposits | 39.6698% | 6,394 |
| Net loans and leases to core deposits | 40.4028% | 6,435 |
| Total domestic deposits to total assets | 90.8493% | 593 |
| Equity capital to assets | 8.0312% | 6,132 |
| Core capital (leverage) ratio | 8.2267% | 6,036 |
| Tier 1 risk-based capital ratio | 16.1850% | 3,088 |
| Total risk-based capital ratio | 17.4404% | 3,044 |
| Memoranda: | ||
| Average total assets | $161,460,500 | 3,573 |
| Average earning assets | $150,431,250 | 3,527 |
| Average equity | $12,388,750 | 4,416 |
| Average total loans | $52,546,500 | 4,901 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2835% | 6,800 |
| Cost of funding earning assets | 0.6150% | 2,807 |
| Net interest margin | 1.6685% | 6,835 |
| Noninterest income to average assets | 1.6807% | 579 |
| Noninterest expense to average assets | 2.0235% | 6,006 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8200% | 3,194 |
| Return on assets (ROA) | 0.8200% | 3,352 |
| Pretax return on assets | 1.2195% | 2,588 |
| Return on Equity (ROE) | 10.8530% | 1,860 |
| Retained earnings to average equity (ytd only) | 10.8530% | 671 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3954% | 5,114 |
| Assets per employee ($millions) | 6.2417% | 1,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2653% | 1,310 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 35.9164% | 6,307 |
| Net loans and leases to deposits | 39.7316% | 6,417 |
| Net loans and leases to core deposits | 40.4097% | 6,456 |
| Total domestic deposits to total assets | 90.3975% | 807 |
| Equity capital to assets | 7.7748% | 6,328 |
| Core capital (leverage) ratio | 7.7081% | 6,365 |
| Tier 1 risk-based capital ratio | 16.1432% | 3,121 |
| Total risk-based capital ratio | 17.3987% | 3,064 |
| Memoranda: | ||
| Average total assets | $162,192,000 | 3,578 |
| Average earning assets | $151,875,330 | 3,516 |
| Average equity | $12,254,670 | 4,475 |
| Average total loans | $50,496,000 | 5,004 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1661% | 6,902 |
| Cost of funding earning assets | 0.6248% | 2,881 |
| Net interest margin | 1.5413% | 6,930 |
| Noninterest income to average assets | 1.6168% | 598 |
| Noninterest expense to average assets | 2.0040% | 6,097 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7188% | 3,601 |
| Return on assets (ROA) | 0.7188% | 3,737 |
| Pretax return on assets | 1.0577% | 3,119 |
| Return on Equity (ROE) | 9.6460% | 2,210 |
| Retained earnings to average equity (ytd only) | 9.6460% | 1,203 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4545% | 4,756 |
| Assets per employee ($millions) | 6.4740% | 994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7127% | 902 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 28.7833% | 6,645 |
| Net loans and leases to deposits | 31.9974% | 6,687 |
| Net loans and leases to core deposits | 32.4004% | 6,713 |
| Total domestic deposits to total assets | 89.9550% | 1,079 |
| Equity capital to assets | 7.6762% | 6,533 |
| Core capital (leverage) ratio | 7.6102% | 6,416 |
| Tier 1 risk-based capital ratio | 18.5510% | 2,172 |
| Total risk-based capital ratio | 19.8102% | 2,139 |
| Memoranda: | ||
| Average total assets | $165,266,500 | 3,576 |
| Average earning assets | $154,933,500 | 3,514 |
| Average equity | $12,316,000 | 4,513 |
| Average total loans | $47,072,000 | 5,168 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6359% | 6,897 |
| Cost of funding earning assets | 0.8102% | 2,587 |
| Net interest margin | 1.8256% | 6,960 |
| Noninterest income to average assets | 1.6759% | 575 |
| Noninterest expense to average assets | 2.0533% | 6,228 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.8751% | 2,930 |
| Return on assets (ROA) | 0.8751% | 3,176 |
| Pretax return on assets | 1.3308% | 2,286 |
| Return on Equity (ROE) | 11.7565% | 1,575 |
| Retained earnings to average equity (ytd only) | 11.7565% | 348 |
| Net charge-offs to loans | 0.0065% | 5,872 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 686.3333% | 59 |
| Efficiency ratio | 60.6761% | 5,429 |
| Assets per employee ($millions) | 7.0284% | 755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8081% | 815 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 26.6537% | 6,793 |
| Net loans and leases to deposits | 29.1711% | 6,849 |
| Net loans and leases to core deposits | 29.4684% | 6,857 |
| Total domestic deposits to total assets | 91.3702% | 377 |
| Equity capital to assets | 7.2373% | 6,710 |
| Core capital (leverage) ratio | 7.4689% | 6,514 |
| Tier 1 risk-based capital ratio | 18.3393% | 2,157 |
| Total risk-based capital ratio | 19.5985% | 2,118 |
| Memoranda: | ||
| Average total assets | $154,723,800 | 3,703 |
| Average earning assets | $144,772,800 | 3,645 |
| Average equity | $11,517,000 | 4,666 |
| Average total loans | $46,506,000 | 5,227 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6624% | 7,009 |
| Cost of funding earning assets | 0.8683% | 2,402 |
| Net interest margin | 1.7941% | 7,076 |
| Noninterest income to average assets | 1.7200% | 530 |
| Noninterest expense to average assets | 2.0885% | 6,190 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8825% | 3,065 |
| Return on assets (ROA) | 0.8825% | 3,307 |
| Pretax return on assets | 1.3074% | 2,575 |
| Return on Equity (ROE) | 11.7648% | 1,718 |
| Retained earnings to average equity (ytd only) | 11.7648% | 571 |
| Net charge-offs to loans | 0.0143% | 5,492 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 296.4438% | 156 |
| Efficiency ratio | 61.5005% | 5,227 |
| Assets per employee ($millions) | 6.7450% | 839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8197% | 869 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 28.8144% | 6,851 |
| Net loans and leases to deposits | 31.9382% | 6,915 |
| Net loans and leases to core deposits | 32.2385% | 6,930 |
| Total domestic deposits to total assets | 90.2194% | 716 |
| Equity capital to assets | 7.7256% | 6,703 |
| Core capital (leverage) ratio | 7.4232% | 6,656 |
| Tier 1 risk-based capital ratio | 17.8261% | 2,415 |
| Total risk-based capital ratio | 19.0867% | 2,379 |
| Memoranda: | ||
| Average total assets | $151,234,250 | 3,797 |
| Average earning assets | $141,272,500 | 3,749 |
| Average equity | $11,344,250 | 4,744 |
| Average total loans | $46,567,750 | 5,293 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7205% | 7,071 |
| Cost of funding earning assets | 0.9078% | 2,336 |
| Net interest margin | 1.8127% | 7,149 |
| Noninterest income to average assets | 1.7274% | 510 |
| Noninterest expense to average assets | 2.1623% | 6,100 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8510% | 3,132 |
| Return on assets (ROA) | 0.8510% | 3,407 |
| Pretax return on assets | 1.2566% | 2,705 |
| Return on Equity (ROE) | 11.4638% | 1,832 |
| Retained earnings to average equity (ytd only) | 11.4638% | 667 |
| Net charge-offs to loans | 0.0214% | 5,101 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 188.4000% | 237 |
| Efficiency ratio | 63.2462% | 5,043 |
| Assets per employee ($millions) | 6.3648% | 1,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7889% | 958 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 29.5949% | 6,880 |
| Net loans and leases to deposits | 32.3392% | 6,957 |
| Net loans and leases to core deposits | 32.6430% | 6,979 |
| Total domestic deposits to total assets | 91.5139% | 308 |
| Equity capital to assets | 7.5198% | 6,791 |
| Core capital (leverage) ratio | 7.3496% | 6,690 |
| Tier 1 risk-based capital ratio | 16.9447% | 2,689 |
| Total risk-based capital ratio | 18.2043% | 2,649 |
| Memoranda: | ||
| Average total assets | $149,934,330 | 3,836 |
| Average earning assets | $139,902,000 | 3,787 |
| Average equity | $11,130,670 | 4,782 |
| Average total loans | $46,757,670 | 5,314 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7730% | 7,114 |
| Cost of funding earning assets | 0.9619% | 2,220 |
| Net interest margin | 1.8111% | 7,200 |
| Noninterest income to average assets | 1.7506% | 498 |
| Noninterest expense to average assets | 2.2003% | 6,043 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8484% | 3,171 |
| Return on assets (ROA) | 0.8484% | 3,408 |
| Pretax return on assets | 1.2389% | 2,769 |
| Return on Equity (ROE) | 11.5042% | 1,838 |
| Retained earnings to average equity (ytd only) | 11.5042% | 921 |
| Net charge-offs to loans | 0.0427% | 4,096 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 92.0000% | 373 |
| Efficiency ratio | 63.9781% | 4,924 |
| Assets per employee ($millions) | 6.0693% | 1,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7578% | 1,047 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 30.1406% | 6,907 |
| Net loans and leases to deposits | 33.0281% | 6,980 |
| Net loans and leases to core deposits | 33.4025% | 7,009 |
| Total domestic deposits to total assets | 91.2576% | 453 |
| Equity capital to assets | 7.3478% | 6,834 |
| Core capital (leverage) ratio | 7.2903% | 6,730 |
| Tier 1 risk-based capital ratio | 16.3091% | 3,014 |
| Total risk-based capital ratio | 17.5691% | 2,965 |
| Memoranda: | ||
| Average total assets | $148,523,500 | 3,900 |
| Average earning assets | $138,476,500 | 3,844 |
| Average equity | $10,952,500 | 4,831 |
| Average total loans | $46,884,000 | 5,347 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1892% | 7,129 |
| Cost of funding earning assets | 1.2471% | 1,753 |
| Net interest margin | 1.9421% | 7,231 |
| Noninterest income to average assets | 1.7687% | 456 |
| Noninterest expense to average assets | 2.3536% | 5,899 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.8156% | 2,972 |
| Return on assets (ROA) | 0.8156% | 3,136 |
| Pretax return on assets | 1.2164% | 2,399 |
| Return on Equity (ROE) | 11.0788% | 1,671 |
| Retained earnings to average equity (ytd only) | 11.0788% | 392 |
| Net charge-offs to loans | 0.0166% | 6,204 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 209.0000% | 165 |
| Efficiency ratio | 65.9262% | 4,788 |
| Assets per employee ($millions) | 6.0548% | 1,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7857% | 996 |
| Loan loss allowance to noncurrent loans | 26,040.0000% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.1246% | 6,640 |
| Noncurrent loans to loans | 0.0107% | 6,822 |
| Net loans and leases to total assets | 31.2672% | 6,963 |
| Net loans and leases to deposits | 34.1039% | 7,043 |
| Net loans and leases to core deposits | 34.6364% | 7,067 |
| Total domestic deposits to total assets | 91.6822% | 289 |
| Equity capital to assets | 7.4019% | 6,857 |
| Core capital (leverage) ratio | 7.3053% | 6,744 |
| Tier 1 risk-based capital ratio | 16.5053% | 2,819 |
| Total risk-based capital ratio | 17.7649% | 2,780 |
| Memoranda: | ||
| Average total assets | $137,449,400 | 4,026 |
| Average earning assets | $127,492,400 | 3,985 |
| Average equity | $10,118,400 | 4,981 |
| Average total loans | $48,076,000 | 5,343 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2364% | 7,195 |
| Cost of funding earning assets | 1.3118% | 1,638 |
| Net interest margin | 1.9247% | 7,313 |
| Noninterest income to average assets | 1.7862% | 448 |
| Noninterest expense to average assets | 2.3235% | 5,971 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.8640% | 2,892 |
| Return on assets (ROA) | 0.8640% | 3,040 |
| Pretax return on assets | 1.2459% | 2,467 |
| Return on Equity (ROE) | 11.7546% | 1,604 |
| Retained earnings to average equity (ytd only) | 11.7546% | 522 |
| Net charge-offs to loans | 0.0193% | 5,885 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 180.9175% | 214 |
| Efficiency ratio | 65.0951% | 4,881 |
| Assets per employee ($millions) | 5.8105% | 1,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7387% | 1,087 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1262% | 6,729 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 33.1827% | 6,989 |
| Net loans and leases to deposits | 36.2495% | 7,071 |
| Net loans and leases to core deposits | 36.7671% | 7,100 |
| Total domestic deposits to total assets | 91.5397% | 285 |
| Equity capital to assets | 7.6406% | 6,872 |
| Core capital (leverage) ratio | 7.3260% | 6,844 |
| Tier 1 risk-based capital ratio | 15.9711% | 3,133 |
| Total risk-based capital ratio | 17.2305% | 3,087 |
| Memoranda: | ||
| Average total assets | $135,483,000 | 4,086 |
| Average earning assets | $125,526,000 | 4,049 |
| Average equity | $9,959,000 | 5,042 |
| Average total loans | $48,410,500 | 5,370 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2066% | 7,279 |
| Cost of funding earning assets | 1.3630% | 1,586 |
| Net interest margin | 1.8436% | 7,397 |
| Noninterest income to average assets | 1.9007% | 390 |
| Noninterest expense to average assets | 2.3822% | 5,898 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8527% | 2,848 |
| Return on assets (ROA) | 0.8527% | 2,942 |
| Pretax return on assets | 1.2284% | 2,379 |
| Return on Equity (ROE) | 11.7611% | 1,566 |
| Retained earnings to average equity (ytd only) | 11.7611% | 554 |
| Net charge-offs to loans | 0.0288% | 5,428 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 117.7143% | 299 |
| Efficiency ratio | 65.9785% | 4,877 |
| Assets per employee ($millions) | 5.4132% | 1,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6207% | 1,286 |
| Loan loss allowance to noncurrent loans | 736.1582% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.2254% | 6,560 |
| Noncurrent loans to loans | 0.3560% | 6,203 |
| Net loans and leases to total assets | 35.7765% | 6,974 |
| Net loans and leases to deposits | 39.0474% | 7,093 |
| Net loans and leases to core deposits | 39.4569% | 7,135 |
| Total domestic deposits to total assets | 91.6234% | 318 |
| Equity capital to assets | 7.5616% | 6,919 |
| Core capital (leverage) ratio | 7.0874% | 6,959 |
| Tier 1 risk-based capital ratio | 14.9531% | 3,516 |
| Total risk-based capital ratio | 16.2120% | 3,483 |
| Memoranda: | ||
| Average total assets | $134,160,000 | 4,141 |
| Average earning assets | $124,429,000 | 4,109 |
| Average equity | $9,727,000 | 5,113 |
| Average total loans | $48,688,330 | 5,409 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0907% | 7,378 |
| Cost of funding earning assets | 1.3996% | 1,611 |
| Net interest margin | 1.6911% | 7,478 |
| Noninterest income to average assets | 1.8147% | 423 |
| Noninterest expense to average assets | 2.4136% | 5,843 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6828% | 3,596 |
| Return on assets (ROA) | 0.6828% | 3,663 |
| Pretax return on assets | 0.9642% | 3,267 |
| Return on Equity (ROE) | 9.6263% | 2,241 |
| Retained earnings to average equity (ytd only) | 9.6263% | 1,205 |
| Net charge-offs to loans | 0.0581% | 4,352 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 46.0000% | 613 |
| Efficiency ratio | 71.4539% | 3,966 |
| Assets per employee ($millions) | 5.0983% | 2,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6203% | 1,288 |
| Loan loss allowance to noncurrent loans | 736.1582% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.2216% | 6,616 |
| Noncurrent loans to loans | 0.3559% | 6,276 |
| Net loans and leases to total assets | 35.1790% | 7,043 |
| Net loans and leases to deposits | 38.3768% | 7,159 |
| Net loans and leases to core deposits | 38.9006% | 7,197 |
| Total domestic deposits to total assets | 91.6675% | 377 |
| Equity capital to assets | 6.9646% | 7,092 |
| Core capital (leverage) ratio | 7.1292% | 6,947 |
| Tier 1 risk-based capital ratio | 14.9712% | 3,440 |
| Total risk-based capital ratio | 16.2317% | 3,399 |
| Memoranda: | ||
| Average total assets | $133,575,500 | 4,181 |
| Average earning assets | $123,467,000 | 4,151 |
| Average equity | $9,474,000 | 5,189 |
| Average total loans | $48,173,000 | 5,476 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5370% | 7,374 |
| Cost of funding earning assets | 1.5907% | 2,121 |
| Net interest margin | 1.9462% | 7,473 |
| Noninterest income to average assets | 1.7445% | 495 |
| Noninterest expense to average assets | 2.3893% | 6,113 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.7964% | 2,820 |
| Return on assets (ROA) | 0.7964% | 2,958 |
| Pretax return on assets | 1.1495% | 2,398 |
| Return on Equity (ROE) | 11.5343% | 1,437 |
| Retained earnings to average equity (ytd only) | 11.5343% | 323 |
| Net charge-offs to loans | -0.0042% | 7,255 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5179% | 4,664 |
| Assets per employee ($millions) | 5.3958% | 1,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8101% | 1,041 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0988% | 6,984 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 34.9874% | 7,198 |
| Net loans and leases to deposits | 38.1564% | 7,301 |
| Net loans and leases to core deposits | 38.6970% | 7,334 |
| Total domestic deposits to total assets | 91.6949% | 345 |
| Equity capital to assets | 7.2287% | 7,025 |
| Core capital (leverage) ratio | 7.0771% | 6,987 |
| Tier 1 risk-based capital ratio | 15.1397% | 3,176 |
| Total risk-based capital ratio | 16.4031% | 3,112 |
| Memoranda: | ||
| Average total assets | $130,581,000 | 4,246 |
| Average earning assets | $120,385,600 | 4,221 |
| Average equity | $9,016,600 | 5,421 |
| Average total loans | $48,095,800 | 5,558 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5890% | 7,498 |
| Cost of funding earning assets | 1.6254% | 2,247 |
| Net interest margin | 1.9637% | 7,587 |
| Noninterest income to average assets | 1.7332% | 480 |
| Noninterest expense to average assets | 2.3619% | 6,146 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.8202% | 2,916 |
| Return on assets (ROA) | 0.8202% | 3,061 |
| Pretax return on assets | 1.1810% | 2,558 |
| Return on Equity (ROE) | 12.0185% | 1,498 |
| Retained earnings to average equity (ytd only) | 12.0185% | 457 |
| Net charge-offs to loans | -0.0055% | 7,218 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6667% | 4,720 |
| Assets per employee ($millions) | 5.4238% | 1,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7161% | 1,067 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0983% | 7,110 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 36.0454% | 7,264 |
| Net loans and leases to deposits | 39.6825% | 7,382 |
| Net loans and leases to core deposits | 40.4174% | 7,420 |
| Total domestic deposits to total assets | 90.8344% | 505 |
| Equity capital to assets | 7.1936% | 7,267 |
| Core capital (leverage) ratio | 6.9226% | 7,203 |
| Tier 1 risk-based capital ratio | 14.2023% | 3,693 |
| Total risk-based capital ratio | 15.4631% | 3,655 |
| Memoranda: | ||
| Average total assets | $130,851,750 | 4,306 |
| Average earning assets | $120,586,250 | 4,272 |
| Average equity | $8,930,500 | 5,511 |
| Average total loans | $48,465,250 | 5,620 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5815% | 7,577 |
| Cost of funding earning assets | 1.6775% | 2,248 |
| Net interest margin | 1.9039% | 7,668 |
| Noninterest income to average assets | 1.7470% | 433 |
| Noninterest expense to average assets | 2.3467% | 6,234 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.8056% | 2,948 |
| Return on assets (ROA) | 0.8056% | 3,090 |
| Pretax return on assets | 1.1581% | 2,552 |
| Return on Equity (ROE) | 12.0191% | 1,451 |
| Retained earnings to average equity (ytd only) | 12.0191% | 488 |
| Net charge-offs to loans | -0.0165% | 7,256 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9569% | 4,774 |
| Assets per employee ($millions) | 5.5918% | 1,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6376% | 1,153 |
| Loan loss allowance to noncurrent loans | 32,800.0000% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.1026% | 7,139 |
| Noncurrent loans to loans | 0.0080% | 7,315 |
| Net loans and leases to total assets | 37.6570% | 7,284 |
| Net loans and leases to deposits | 41.0338% | 7,418 |
| Net loans and leases to core deposits | 41.8172% | 7,455 |
| Total domestic deposits to total assets | 91.7705% | 268 |
| Equity capital to assets | 7.0958% | 7,310 |
| Core capital (leverage) ratio | 6.5153% | 7,380 |
| Tier 1 risk-based capital ratio | 13.4227% | 4,122 |
| Total risk-based capital ratio | 14.6816% | 4,079 |
| Memoranda: | ||
| Average total assets | $131,078,330 | 4,323 |
| Average earning assets | $121,011,670 | 4,289 |
| Average equity | $8,786,000 | 5,565 |
| Average total loans | $48,543,330 | 5,663 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5291% | 7,700 |
| Cost of funding earning assets | 1.7301% | 2,231 |
| Net interest margin | 1.7989% | 7,774 |
| Noninterest income to average assets | 1.6386% | 470 |
| Noninterest expense to average assets | 2.2976% | 6,382 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7014% | 3,437 |
| Return on assets (ROA) | 0.7014% | 3,550 |
| Pretax return on assets | 1.0007% | 3,092 |
| Return on Equity (ROE) | 10.7707% | 1,849 |
| Retained earnings to average equity (ytd only) | 10.7707% | 972 |
| Net charge-offs to loans | -0.0334% | 7,227 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6609% | 4,382 |
| Assets per employee ($millions) | 5.3752% | 1,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7775% | 1,011 |
| Loan loss allowance to noncurrent loans | 1,025.0000% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.0953% | 7,246 |
| Noncurrent loans to loans | 0.2710% | 6,780 |
| Net loans and leases to total assets | 34.1755% | 7,492 |
| Net loans and leases to deposits | 37.5612% | 7,591 |
| Net loans and leases to core deposits | 38.6717% | 7,609 |
| Total domestic deposits to total assets | 90.9860% | 552 |
| Equity capital to assets | 6.4972% | 7,525 |
| Core capital (leverage) ratio | 6.3466% | 7,518 |
| Tier 1 risk-based capital ratio | 13.7214% | 3,849 |
| Total risk-based capital ratio | 14.9828% | 3,794 |
| Memoranda: | ||
| Average total assets | $132,312,000 | 4,356 |
| Average earning assets | $122,072,500 | 4,327 |
| Average equity | $8,616,000 | 5,656 |
| Average total loans | $47,943,500 | 5,760 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8778% | 7,738 |
| Cost of funding earning assets | 2.1785% | 2,120 |
| Net interest margin | 1.6994% | 7,832 |
| Noninterest income to average assets | 1.6859% | 509 |
| Noninterest expense to average assets | 2.6164% | 5,728 |
| Loan and lease loss provision to assets | 0.8063% | 2,719 |
| Net operating income to assets | -0.0645% | 5,610 |
| Return on assets (ROA) | -0.0645% | 5,632 |
| Pretax return on assets | -0.2153% | 5,723 |
| Return on Equity (ROE) | -0.9567% | 5,689 |
| Retained earnings to average equity (ytd only) | -0.9567% | 5,242 |
| Net charge-offs to loans | 1.0364% | 2,342 |
| Credit loss provision to net charge-offs | 201.6129% | 1,930 |
| Earnings coverage of net charge-offs (x) | 1.4778% | 4,647 |
| Efficiency ratio | 81.5737% | 2,662 |
| Assets per employee ($millions) | 5.0094% | 2,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6886% | 1,023 |
| Loan loss allowance to noncurrent loans | 833.1210% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.1205% | 7,178 |
| Noncurrent loans to loans | 0.3227% | 6,636 |
| Net loans and leases to total assets | 36.3487% | 7,505 |
| Net loans and leases to deposits | 39.3624% | 7,641 |
| Net loans and leases to core deposits | 46.2695% | 7,660 |
| Total domestic deposits to total assets | 92.3436% | 210 |
| Equity capital to assets | 6.5270% | 7,555 |
| Core capital (leverage) ratio | 6.3157% | 7,547 |
| Tier 1 risk-based capital ratio | 13.2768% | 3,964 |
| Total risk-based capital ratio | 14.5375% | 3,897 |
| Memoranda: | ||
| Average total assets | $124,025,400 | 4,474 |
| Average earning assets | $111,041,400 | 4,534 |
| Average equity | $8,362,200 | 5,819 |
| Average total loans | $47,858,600 | 5,765 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9393% | 7,825 |
| Cost of funding earning assets | 2.3045% | 1,970 |
| Net interest margin | 1.6348% | 7,919 |
| Noninterest income to average assets | 1.7049% | 504 |
| Noninterest expense to average assets | 2.6346% | 5,577 |
| Loan and lease loss provision to assets | 0.5443% | 3,212 |
| Net operating income to assets | 0.0435% | 5,620 |
| Return on assets (ROA) | 0.0435% | 5,654 |
| Pretax return on assets | -0.0229% | 5,742 |
| Return on Equity (ROE) | 0.6404% | 5,598 |
| Retained earnings to average equity (ytd only) | 0.6404% | 4,925 |
| Net charge-offs to loans | 1.2561% | 1,630 |
| Credit loss provision to net charge-offs | 111.3586% | 4,566 |
| Earnings coverage of net charge-offs (x) | 1.0668% | 4,990 |
| Efficiency ratio | 83.4771% | 2,359 |
| Assets per employee ($millions) | 5.0708% | 2,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8113% | 2,241 |
| Loan loss allowance to noncurrent loans | 581.6327% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.1160% | 7,260 |
| Noncurrent loans to loans | 0.3114% | 6,740 |
| Net loans and leases to total assets | 36.5618% | 7,600 |
| Net loans and leases to deposits | 39.6410% | 7,741 |
| Net loans and leases to core deposits | 46.1786% | 7,768 |
| Total domestic deposits to total assets | 92.2323% | 147 |
| Equity capital to assets | 6.8810% | 7,647 |
| Core capital (leverage) ratio | 6.7135% | 7,579 |
| Tier 1 risk-based capital ratio | 13.6582% | 3,742 |
| Total risk-based capital ratio | 14.9050% | 3,684 |
| Memoranda: | ||
| Average total assets | $122,470,750 | 4,532 |
| Average earning assets | $108,713,000 | 4,628 |
| Average equity | $8,327,500 | 5,882 |
| Average total loans | $47,660,750 | 5,818 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0346% | 7,894 |
| Cost of funding earning assets | 2.5131% | 1,566 |
| Net interest margin | 1.5215% | 8,010 |
| Noninterest income to average assets | 1.7499% | 475 |
| Noninterest expense to average assets | 2.6884% | 5,426 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.2991% | 4,901 |
| Return on assets (ROA) | 0.2991% | 5,016 |
| Pretax return on assets | 0.3900% | 4,963 |
| Return on Equity (ROE) | 4.4170% | 4,335 |
| Retained earnings to average equity (ytd only) | 4.4170% | 2,839 |
| Net charge-offs to loans | 0.0460% | 5,831 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 21.4545% | 1,266 |
| Efficiency ratio | 87.3323% | 2,092 |
| Assets per employee ($millions) | 4.4777% | 2,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6053% | 2,713 |
| Loan loss allowance to noncurrent loans | 135.3242% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.4847% | 6,225 |
| Noncurrent loans to loans | 1.1862% | 4,846 |
| Net loans and leases to total assets | 40.2050% | 7,541 |
| Net loans and leases to deposits | 44.0988% | 7,699 |
| Net loans and leases to core deposits | 50.9219% | 7,742 |
| Total domestic deposits to total assets | 91.1702% | 414 |
| Equity capital to assets | 6.8645% | 7,681 |
| Core capital (leverage) ratio | 6.4300% | 7,828 |
| Tier 1 risk-based capital ratio | 12.7568% | 4,314 |
| Total risk-based capital ratio | 14.0065% | 4,232 |
| Memoranda: | ||
| Average total assets | $121,038,000 | 4,603 |
| Average earning assets | $105,686,000 | 4,732 |
| Average equity | $8,195,670 | 5,952 |
| Average total loans | $47,813,000 | 5,857 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1151% | 7,938 |
| Cost of funding earning assets | 2.9188% | 735 |
| Net interest margin | 1.1963% | 8,128 |
| Noninterest income to average assets | 1.7208% | 460 |
| Noninterest expense to average assets | 2.5201% | 5,762 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.1817% | 5,712 |
| Return on assets (ROA) | 0.1817% | 5,887 |
| Pretax return on assets | 0.2147% | 5,899 |
| Return on Equity (ROE) | 2.7014% | 5,492 |
| Retained earnings to average equity (ytd only) | 2.7014% | 4,382 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1498% | 1,556 |
| Assets per employee ($millions) | 5.0385% | 2,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6558% | 2,289 |
| Loan loss allowance to noncurrent loans | 238.5757% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 0.2675% | 6,705 |
| Noncurrent loans to loans | 0.6940% | 5,671 |
| Net loans and leases to total assets | 37.9114% | 7,666 |
| Net loans and leases to deposits | 41.7215% | 7,792 |
| Net loans and leases to core deposits | 47.9867% | 7,834 |
| Total domestic deposits to total assets | 90.8679% | 459 |
| Equity capital to assets | 6.5123% | 7,867 |
| Core capital (leverage) ratio | 6.5890% | 7,844 |
| Tier 1 risk-based capital ratio | 12.4214% | 4,597 |
| Total risk-based capital ratio | 13.6818% | 4,508 |
| Memoranda: | ||
| Average total assets | $121,108,000 | 4,615 |
| Average earning assets | $102,646,500 | 4,843 |
| Average equity | $8,144,000 | 6,002 |
| Average total loans | $47,019,500 | 5,914 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8028% | 7,944 |
| Cost of funding earning assets | 3.7434% | 235 |
| Net interest margin | 1.0594% | 8,226 |
| Noninterest income to average assets | 2.0768% | 326 |
| Noninterest expense to average assets | 3.2569% | 3,132 |
| Loan and lease loss provision to assets | 0.4552% | 3,011 |
| Net operating income to assets | -0.4518% | 6,883 |
| Return on assets (ROA) | -0.4518% | 6,761 |
| Pretax return on assets | -0.7670% | 6,864 |
| Return on Equity (ROE) | -6.4944% | 7,000 |
| Retained earnings to average equity (ytd only) | -6.4944% | 6,723 |
| Net charge-offs to loans | 0.0026% | 6,981 |
| Credit loss provision to net charge-offs | 40,000.0000% | 10 |
| Earnings coverage of net charge-offs (x) | -274.0000% | 7,025 |
| Efficiency ratio | 110.5873% | 698 |
| Assets per employee ($millions) | 4.4713% | 2,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7678% | 1,716 |
| Loan loss allowance to noncurrent loans | 11,485.7143% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.0060% | 7,624 |
| Noncurrent loans to loans | 0.0154% | 7,474 |
| Net loans and leases to total assets | 38.4305% | 7,749 |
| Net loans and leases to deposits | 41.7102% | 7,906 |
| Net loans and leases to core deposits | 49.2319% | 7,901 |
| Total domestic deposits to total assets | 92.1370% | 114 |
| Equity capital to assets | 6.9546% | 7,758 |
| Core capital (leverage) ratio | 7.2463% | 7,474 |
| Tier 1 risk-based capital ratio | 12.3207% | 4,571 |
| Total risk-based capital ratio | 13.5303% | 4,485 |
| Memoranda: | ||
| Average total assets | $87,875,600 | 5,424 |
| Average earning assets | $72,020,600 | 5,737 |
| Average equity | $6,113,000 | 6,763 |
| Average total loans | $39,166,800 | 6,213 |