Home > The First National Bank of Mertzon > Performance and Condition Ratios
The First National Bank of Mertzon, 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 | 3.7190% | 4,257 |
| Cost of funding earning assets | 0.2928% | 4,379 |
| Net interest margin | 3.4262% | 2,348 |
| Noninterest income to average assets | 0.0800% | 4,348 |
| Noninterest expense to average assets | 0.9217% | 4,506 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.9734% | 486 |
| Return on assets (ROA) | 1.9734% | 465 |
| Pretax return on assets | 2.4955% | 342 |
| Return on Equity (ROE) | 20.5600% | 567 |
| Retained earnings to average equity (ytd only) | 19.6411% | 139 |
| Net charge-offs to loans | 0.0139% | 2,133 |
| Credit loss provision to net charge-offs | 1,136.3636% | 371 |
| Earnings coverage of net charge-offs (x) | 1,215.0000% | 132 |
| Efficiency ratio | 26.7872% | 4,509 |
| Assets per employee ($millions) | 16.9636% | 150 |
| Cash dividends to net income (ytd only)* | 4.4508% | 3,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6959% | 670 |
| Loan loss allowance to noncurrent loans | 2,012.0000% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.0147% | 3,658 |
| Noncurrent loans to loans | 0.0843% | 3,123 |
| Net loans and leases to total assets | 17.1900% | 4,420 |
| Net loans and leases to deposits | 19.3259% | 4,429 |
| Net loans and leases to core deposits | 20.0338% | 4,453 |
| Total domestic deposits to total assets | 88.9400% | 1,084 |
| Equity capital to assets | 10.9336% | 1,503 |
| Core capital (leverage) ratio | 10.8591% | 2,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 61.2902% | 84 |
| Memoranda: | ||
| Average total assets | $530,557,200 | 1,665 |
| Average earning assets | $521,186,200 | 1,572 |
| Average equity | $50,934,000 | 1,588 |
| Average total loans | $79,086,800 | 3,423 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6418% | 4,270 |
| Cost of funding earning assets | 0.2604% | 4,395 |
| Net interest margin | 3.3814% | 2,495 |
| Noninterest income to average assets | 0.0700% | 4,402 |
| Noninterest expense to average assets | 0.8306% | 4,538 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.0307% | 481 |
| Return on assets (ROA) | 2.0307% | 473 |
| Pretax return on assets | 2.5672% | 355 |
| Return on Equity (ROE) | 21.8700% | 575 |
| Retained earnings to average equity (ytd only) | 21.8738% | 200 |
| Net charge-offs to loans | -0.0017% | 3,551 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 24.4454% | 4,541 |
| Assets per employee ($millions) | 16.6730% | 149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6930% | 709 |
| 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 | 16.1900% | 4,452 |
| Net loans and leases to deposits | 18.1678% | 4,458 |
| Net loans and leases to core deposits | 18.7036% | 4,446 |
| Total domestic deposits to total assets | 89.1400% | 1,201 |
| Equity capital to assets | 10.7561% | 1,452 |
| Core capital (leverage) ratio | 10.4251% | 2,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 63.5621% | 84 |
| Memoranda: | ||
| Average total assets | $535,969,500 | 1,650 |
| Average earning assets | $526,795,500 | 1,557 |
| Average equity | $49,757,000 | 1,599 |
| Average total loans | $76,613,250 | 3,465 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5919% | 4,259 |
| Cost of funding earning assets | 0.2255% | 4,399 |
| Net interest margin | 3.3664% | 2,604 |
| Noninterest income to average assets | 0.0700% | 4,429 |
| Noninterest expense to average assets | 0.7994% | 4,573 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.0416% | 439 |
| Return on assets (ROA) | 2.0416% | 433 |
| Pretax return on assets | 2.5808% | 321 |
| Return on Equity (ROE) | 23.1100% | 484 |
| Retained earnings to average equity (ytd only) | 23.1073% | 162 |
| Net charge-offs to loans | -0.0027% | 3,581 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 23.6501% | 4,567 |
| Assets per employee ($millions) | 16.4994% | 155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7444% | 682 |
| 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 | 15.8700% | 4,484 |
| Net loans and leases to deposits | 17.7309% | 4,486 |
| Net loans and leases to core deposits | 18.1867% | 4,475 |
| Total domestic deposits to total assets | 89.5300% | 1,076 |
| Equity capital to assets | 10.3501% | 1,656 |
| Core capital (leverage) ratio | 9.6758% | 3,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 62.6171% | 77 |
| Memoranda: | ||
| Average total assets | $547,896,333 | 1,612 |
| Average earning assets | $538,383,667 | 1,535 |
| Average equity | $48,409,000 | 1,639 |
| Average total loans | $74,684,333 | 3,494 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1370% | 4,587 |
| Cost of funding earning assets | 0.0777% | 4,483 |
| Net interest margin | 2.0593% | 4,537 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 0.8285% | 4,665 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0877% | 2,228 |
| Return on assets (ROA) | 1.0877% | 2,166 |
| Pretax return on assets | 1.3692% | 1,869 |
| Return on Equity (ROE) | 14.0800% | 1,512 |
| Retained earnings to average equity (ytd only) | 13.5291% | 448 |
| Net charge-offs to loans | -0.0032% | 3,537 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 37.6982% | 4,582 |
| Assets per employee ($millions) | 20.0395% | 95 |
| Cash dividends to net income (ytd only)* | 3.9292% | 3,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1483% | 330 |
| 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 | 10.9300% | 4,602 |
| Net loans and leases to deposits | 11.8711% | 4,607 |
| Net loans and leases to core deposits | 12.1247% | 4,596 |
| Total domestic deposits to total assets | 92.0400% | 630 |
| Equity capital to assets | 7.8531% | 3,151 |
| Core capital (leverage) ratio | 7.7834% | 4,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 58.3983% | 87 |
| Memoranda: | ||
| Average total assets | $545,205,200 | 1,621 |
| Average earning assets | $531,584,400 | 1,545 |
| Average equity | $42,109,200 | 1,853 |
| Average total loans | $63,300,800 | 3,678 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7415% | 4,643 |
| Cost of funding earning assets | 0.0616% | 4,519 |
| Net interest margin | 1.6799% | 4,619 |
| Noninterest income to average assets | 0.0700% | 4,554 |
| Noninterest expense to average assets | 0.7569% | 4,706 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7556% | 3,402 |
| Return on assets (ROA) | 0.7556% | 3,352 |
| Pretax return on assets | 0.9476% | 3,190 |
| Return on Equity (ROE) | 9.8300% | 2,782 |
| Retained earnings to average equity (ytd only) | 9.8283% | 1,397 |
| Net charge-offs to loans | -0.0042% | 3,435 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 44.4055% | 4,451 |
| Assets per employee ($millions) | 17.2998% | 141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1908% | 352 |
| 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 | 11.2400% | 4,644 |
| Net loans and leases to deposits | 12.1948% | 4,647 |
| Net loans and leases to core deposits | 12.4531% | 4,631 |
| Total domestic deposits to total assets | 92.1900% | 820 |
| Equity capital to assets | 7.7638% | 3,044 |
| Core capital (leverage) ratio | 7.9411% | 4,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 54.6778% | 98 |
| Memoranda: | ||
| Average total assets | $536,220,000 | 1,655 |
| Average earning assets | $521,289,250 | 1,587 |
| Average equity | $41,227,000 | 1,904 |
| Average total loans | $62,903,500 | 3,704 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4980% | 4,707 |
| Cost of funding earning assets | 0.0416% | 4,643 |
| Net interest margin | 1.4564% | 4,685 |
| Noninterest income to average assets | 0.0716% | 4,576 |
| Noninterest expense to average assets | 0.7647% | 4,727 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5754% | 3,693 |
| Return on assets (ROA) | 0.5754% | 3,641 |
| Pretax return on assets | 0.7183% | 3,532 |
| Return on Equity (ROE) | 7.5093% | 3,163 |
| Retained earnings to average equity (ytd only) | 7.5093% | 1,809 |
| Net charge-offs to loans | -0.0192% | 3,850 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5637% | 4,162 |
| Assets per employee ($millions) | 16.5352% | 148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2850% | 336 |
| Loan loss allowance to noncurrent loans | 1,969.0141% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.0134% | 3,890 |
| Noncurrent loans to loans | 0.1160% | 3,155 |
| Net loans and leases to total assets | 11.2984% | 4,703 |
| Net loans and leases to deposits | 12.2653% | 4,708 |
| Net loans and leases to core deposits | 12.5653% | 4,702 |
| Total domestic deposits to total assets | 92.1168% | 793 |
| Equity capital to assets | 7.8369% | 3,241 |
| Core capital (leverage) ratio | 8.0494% | 4,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 53.9706% | 61 |
| Memoranda: | ||
| Average total assets | $530,428,667 | 1,678 |
| Average earning assets | $514,017,667 | 1,627 |
| Average equity | $40,642,667 | 1,970 |
| Average total loans | $62,661,667 | 3,748 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3240% | 4,739 |
| Cost of funding earning assets | 0.0381% | 4,672 |
| Net interest margin | 1.2859% | 4,724 |
| Noninterest income to average assets | 0.0685% | 4,612 |
| Noninterest expense to average assets | 0.7750% | 4,754 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4361% | 3,883 |
| Return on assets (ROA) | 0.4361% | 3,845 |
| Pretax return on assets | 0.5393% | 3,789 |
| Return on Equity (ROE) | 5.7568% | 3,413 |
| Retained earnings to average equity (ytd only) | 5.7568% | 2,330 |
| Net charge-offs to loans | -0.0126% | 3,683 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9685% | 3,587 |
| Assets per employee ($millions) | 16.6956% | 151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2657% | 396 |
| 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 | 11.2552% | 4,731 |
| Net loans and leases to deposits | 12.1888% | 4,738 |
| Net loans and leases to core deposits | 12.4831% | 4,731 |
| Total domestic deposits to total assets | 92.3404% | 456 |
| Equity capital to assets | 7.5843% | 3,868 |
| Core capital (leverage) ratio | 7.8861% | 4,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.5068% | 71 |
| Memoranda: | ||
| Average total assets | $531,080,000 | 1,681 |
| Average earning assets | $514,485,000 | 1,634 |
| Average equity | $40,230,500 | 2,046 |
| Average total loans | $63,402,000 | 3,739 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4488% | 4,750 |
| Cost of funding earning assets | 0.0413% | 4,722 |
| Net interest margin | 1.4075% | 4,739 |
| Noninterest income to average assets | 0.0761% | 4,666 |
| Noninterest expense to average assets | 0.8516% | 4,781 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4840% | 4,128 |
| Return on assets (ROA) | 0.4840% | 4,170 |
| Pretax return on assets | 0.5938% | 4,118 |
| Return on Equity (ROE) | 6.1122% | 3,755 |
| Retained earnings to average equity (ytd only) | 5.5153% | 2,560 |
| Net charge-offs to loans | -0.0498% | 4,323 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9193% | 3,304 |
| Assets per employee ($millions) | 17.0290% | 151 |
| Cash dividends to net income (ytd only)* | 9.7653% | 3,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1324% | 495 |
| 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 | 12.1019% | 4,771 |
| Net loans and leases to deposits | 13.0998% | 4,778 |
| Net loans and leases to core deposits | 13.3891% | 4,771 |
| Total domestic deposits to total assets | 92.3826% | 107 |
| Equity capital to assets | 7.5660% | 4,568 |
| Core capital (leverage) ratio | 7.6512% | 4,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 48.1632% | 81 |
| Memoranda: | ||
| Average total assets | $492,928,600 | 1,712 |
| Average earning assets | $479,566,800 | 1,662 |
| Average equity | $39,036,800 | 2,116 |
| Average total loans | $66,291,600 | 3,721 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4917% | 4,832 |
| Cost of funding earning assets | 0.0418% | 4,809 |
| Net interest margin | 1.4498% | 4,816 |
| Noninterest income to average assets | 0.0777% | 4,735 |
| Noninterest expense to average assets | 0.7818% | 4,871 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5758% | 4,048 |
| Return on assets (ROA) | 0.5758% | 4,093 |
| Pretax return on assets | 0.7083% | 4,053 |
| Return on Equity (ROE) | 7.1834% | 3,622 |
| Retained earnings to average equity (ytd only) | 7.1834% | 2,350 |
| Net charge-offs to loans | -0.0641% | 4,452 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4672% | 3,987 |
| Assets per employee ($millions) | 16.7823% | 151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2838% | 404 |
| 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 | 11.4400% | 4,848 |
| Net loans and leases to deposits | 12.3978% | 4,853 |
| Net loans and leases to core deposits | 12.6787% | 4,845 |
| Total domestic deposits to total assets | 92.2749% | 82 |
| Equity capital to assets | 7.6655% | 4,663 |
| Core capital (leverage) ratio | 7.9346% | 4,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 52.5911% | 72 |
| Memoranda: | ||
| Average total assets | $484,185,750 | 1,756 |
| Average earning assets | $471,673,250 | 1,697 |
| Average equity | $38,810,750 | 2,147 |
| Average total loans | $66,545,000 | 3,768 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4913% | 4,871 |
| Cost of funding earning assets | 0.0413% | 4,852 |
| Net interest margin | 1.4501% | 4,851 |
| Noninterest income to average assets | 0.0796% | 4,763 |
| Noninterest expense to average assets | 0.7938% | 4,907 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5710% | 4,047 |
| Return on assets (ROA) | 0.5710% | 4,099 |
| Pretax return on assets | 0.7002% | 4,064 |
| Return on Equity (ROE) | 7.0109% | 3,653 |
| Retained earnings to average equity (ytd only) | 7.0109% | 2,428 |
| Net charge-offs to loans | -0.0877% | 4,585 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1330% | 3,913 |
| Assets per employee ($millions) | 15.6853% | 178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9850% | 623 |
| Loan loss allowance to noncurrent loans | 5,342.3077% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.0053% | 4,280 |
| Noncurrent loans to loans | 0.0372% | 4,012 |
| Net loans and leases to total assets | 14.1053% | 4,874 |
| Net loans and leases to deposits | 15.3565% | 4,882 |
| Net loans and leases to core deposits | 15.8181% | 4,877 |
| Total domestic deposits to total assets | 91.8524% | 155 |
| Equity capital to assets | 8.0487% | 4,505 |
| Core capital (leverage) ratio | 8.2585% | 4,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.2721% | 91 |
| Memoranda: | ||
| Average total assets | $472,163,667 | 1,779 |
| Average earning assets | $460,533,667 | 1,720 |
| Average equity | $38,454,333 | 2,156 |
| Average total loans | $68,424,000 | 3,756 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4834% | 4,904 |
| Cost of funding earning assets | 0.0423% | 4,890 |
| Net interest margin | 1.4412% | 4,883 |
| Noninterest income to average assets | 0.0783% | 4,768 |
| Noninterest expense to average assets | 0.8015% | 4,939 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5590% | 4,047 |
| Return on assets (ROA) | 0.5590% | 4,093 |
| Pretax return on assets | 0.6837% | 4,053 |
| Return on Equity (ROE) | 6.8217% | 3,653 |
| Retained earnings to average equity (ytd only) | 6.8217% | 2,634 |
| Net charge-offs to loans | -0.1478% | 4,726 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9664% | 3,782 |
| Assets per employee ($millions) | 14.8510% | 206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9843% | 616 |
| 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 | 14.3957% | 4,899 |
| Net loans and leases to deposits | 15.6832% | 4,906 |
| Net loans and leases to core deposits | 16.1651% | 4,903 |
| Total domestic deposits to total assets | 91.7903% | 188 |
| Equity capital to assets | 8.0885% | 4,441 |
| Core capital (leverage) ratio | 8.3906% | 4,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.8008% | 101 |
| Memoranda: | ||
| Average total assets | $465,124,000 | 1,791 |
| Average earning assets | $454,078,500 | 1,731 |
| Average equity | $38,113,500 | 2,159 |
| Average total loans | $67,648,500 | 3,780 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6695% | 4,939 |
| Cost of funding earning assets | 0.0950% | 4,872 |
| Net interest margin | 1.5745% | 4,913 |
| Noninterest income to average assets | 0.0697% | 4,820 |
| Noninterest expense to average assets | 0.8302% | 4,954 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.6390% | 3,628 |
| Return on assets (ROA) | 0.6390% | 3,751 |
| Pretax return on assets | 0.7844% | 3,664 |
| Return on Equity (ROE) | 8.6050% | 2,552 |
| Retained earnings to average equity (ytd only) | 7.9689% | 1,062 |
| Net charge-offs to loans | -0.0813% | 4,766 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4189% | 4,424 |
| Assets per employee ($millions) | 14.6779% | 193 |
| Cash dividends to net income (ytd only)* | 7.3921% | 3,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0748% | 509 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 14.0962% | 4,923 |
| Net loans and leases to deposits | 15.3856% | 4,931 |
| Net loans and leases to core deposits | 15.8842% | 4,927 |
| Total domestic deposits to total assets | 91.6196% | 114 |
| Equity capital to assets | 8.3048% | 4,570 |
| Core capital (leverage) ratio | 7.6758% | 4,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.0673% | 88 |
| Memoranda: | ||
| Average total assets | $493,258,000 | 1,569 |
| Average earning assets | $483,968,800 | 1,497 |
| Average equity | $36,630,000 | 2,148 |
| Average total loans | $61,480,400 | 3,889 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6887% | 4,989 |
| Cost of funding earning assets | 0.1074% | 4,910 |
| Net interest margin | 1.5814% | 4,961 |
| Noninterest income to average assets | 0.0681% | 4,851 |
| Noninterest expense to average assets | 0.7324% | 5,000 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.7199% | 3,392 |
| Return on assets (ROA) | 0.7199% | 3,491 |
| Pretax return on assets | 0.8864% | 3,416 |
| Return on Equity (ROE) | 9.9611% | 2,030 |
| Retained earnings to average equity (ytd only) | 9.9611% | 767 |
| Net charge-offs to loans | -0.1587% | 4,896 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2416% | 4,748 |
| Assets per employee ($millions) | 16.5815% | 128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2000% | 354 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 11.9521% | 4,967 |
| Net loans and leases to deposits | 12.9103% | 4,978 |
| Net loans and leases to core deposits | 13.2883% | 4,972 |
| Total domestic deposits to total assets | 92.5776% | 21 |
| Equity capital to assets | 7.3117% | 4,900 |
| Core capital (leverage) ratio | 7.4316% | 4,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.2648% | 101 |
| Memoranda: | ||
| Average total assets | $502,818,750 | 1,522 |
| Average earning assets | $493,065,750 | 1,450 |
| Average equity | $36,340,500 | 2,147 |
| Average total loans | $60,475,750 | 3,929 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7950% | 5,029 |
| Cost of funding earning assets | 0.1258% | 4,931 |
| Net interest margin | 1.6692% | 4,998 |
| Noninterest income to average assets | 0.0681% | 4,873 |
| Noninterest expense to average assets | 0.7309% | 5,036 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7903% | 3,069 |
| Return on assets (ROA) | 0.7903% | 3,184 |
| Pretax return on assets | 0.9746% | 3,102 |
| Return on Equity (ROE) | 10.9781% | 1,638 |
| Retained earnings to average equity (ytd only) | 10.9781% | 607 |
| Net charge-offs to loans | -0.1307% | 4,892 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.8571% | 4,836 |
| Assets per employee ($millions) | 16.4979% | 129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1202% | 367 |
| Loan loss allowance to noncurrent loans | 1,925.7143% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.0137% | 4,500 |
| Noncurrent loans to loans | 0.1101% | 4,015 |
| Net loans and leases to total assets | 12.1679% | 5,003 |
| Net loans and leases to deposits | 13.1279% | 5,010 |
| Net loans and leases to core deposits | 13.5214% | 5,006 |
| Total domestic deposits to total assets | 92.6880% | 24 |
| Equity capital to assets | 7.2037% | 4,940 |
| Core capital (leverage) ratio | 7.0901% | 4,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.0634% | 118 |
| Memoranda: | ||
| Average total assets | $499,082,333 | 1,503 |
| Average earning assets | $489,569,333 | 1,435 |
| Average equity | $35,926,000 | 2,166 |
| Average total loans | $59,694,667 | 3,953 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0871% | 5,080 |
| Cost of funding earning assets | 0.1682% | 4,947 |
| Net interest margin | 1.9189% | 5,031 |
| Noninterest income to average assets | 0.0714% | 4,917 |
| Noninterest expense to average assets | 0.7498% | 5,081 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9706% | 2,280 |
| Return on assets (ROA) | 0.9706% | 2,385 |
| Pretax return on assets | 1.2010% | 2,193 |
| Return on Equity (ROE) | 13.4882% | 793 |
| Retained earnings to average equity (ytd only) | 13.4882% | 287 |
| Net charge-offs to loans | -0.1524% | 4,900 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.4359% | 5,005 |
| Assets per employee ($millions) | 16.6722% | 104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3326% | 314 |
| Loan loss allowance to noncurrent loans | 1,901.4286% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.0140% | 4,574 |
| Noncurrent loans to loans | 0.1227% | 4,031 |
| Net loans and leases to total assets | 11.1421% | 5,056 |
| Net loans and leases to deposits | 12.0235% | 5,062 |
| Net loans and leases to core deposits | 12.3907% | 5,055 |
| Total domestic deposits to total assets | 92.6688% | 19 |
| Equity capital to assets | 7.2108% | 5,057 |
| Core capital (leverage) ratio | 7.4764% | 5,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.1727% | 132 |
| Memoranda: | ||
| Average total assets | $492,906,500 | 1,481 |
| Average earning assets | $482,776,500 | 1,415 |
| Average equity | $35,468,000 | 2,175 |
| Average total loans | $57,752,500 | 3,993 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4025% | 5,127 |
| Cost of funding earning assets | 0.1887% | 4,984 |
| Net interest margin | 2.2139% | 5,052 |
| Noninterest income to average assets | 0.0745% | 4,985 |
| Noninterest expense to average assets | 0.9082% | 5,130 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0707% | 2,571 |
| Return on assets (ROA) | 1.0707% | 2,668 |
| Pretax return on assets | 1.3237% | 2,424 |
| Return on Equity (ROE) | 15.3097% | 629 |
| Retained earnings to average equity (ytd only) | 14.5966% | 103 |
| Net charge-offs to loans | -0.1696% | 5,041 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.6924% | 5,056 |
| Assets per employee ($millions) | 15.6660% | 111 |
| Cash dividends to net income (ytd only)* | 4.6581% | 3,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2414% | 314 |
| 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 | 11.7647% | 5,114 |
| Net loans and leases to deposits | 12.6821% | 5,123 |
| Net loans and leases to core deposits | 13.0643% | 5,120 |
| Total domestic deposits to total assets | 92.7667% | 18 |
| Equity capital to assets | 7.1801% | 5,126 |
| Core capital (leverage) ratio | 7.3328% | 5,112 |
| Tier 1 risk-based capital ratio | 38.8225% | 257 |
| Total risk-based capital ratio | 40.0750% | 253 |
| Memoranda: | ||
| Average total assets | $467,167,200 | 1,504 |
| Average earning assets | $455,268,200 | 1,444 |
| Average equity | $32,672,000 | 2,263 |
| Average total loans | $57,185,000 | 4,026 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4736% | 5,212 |
| Cost of funding earning assets | 0.1896% | 5,054 |
| Net interest margin | 2.2840% | 5,133 |
| Noninterest income to average assets | 0.0764% | 5,052 |
| Noninterest expense to average assets | 0.8452% | 5,216 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1743% | 2,285 |
| Return on assets (ROA) | 1.1743% | 2,364 |
| Pretax return on assets | 1.4531% | 2,109 |
| Return on Equity (ROE) | 16.9098% | 486 |
| Retained earnings to average equity (ytd only) | 16.9098% | 86 |
| Net charge-offs to loans | -0.1711% | 5,091 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.7741% | 5,167 |
| Assets per employee ($millions) | 15.4217% | 114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2170% | 326 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 11.8737% | 5,194 |
| Net loans and leases to deposits | 12.8002% | 5,200 |
| Net loans and leases to core deposits | 13.2283% | 5,196 |
| Total domestic deposits to total assets | 92.7622% | 14 |
| Equity capital to assets | 7.1483% | 5,213 |
| Core capital (leverage) ratio | 7.2923% | 5,206 |
| Tier 1 risk-based capital ratio | 35.9378% | 322 |
| Total risk-based capital ratio | 37.1892% | 317 |
| Memoranda: | ||
| Average total assets | $462,547,500 | 1,524 |
| Average earning assets | $449,965,000 | 1,465 |
| Average equity | $32,122,500 | 2,307 |
| Average total loans | $56,870,000 | 4,080 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4710% | 5,272 |
| Cost of funding earning assets | 0.1898% | 5,096 |
| Net interest margin | 2.2811% | 5,195 |
| Noninterest income to average assets | 0.0770% | 5,107 |
| Noninterest expense to average assets | 0.8715% | 5,266 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1514% | 2,324 |
| Return on assets (ROA) | 1.1514% | 2,396 |
| Pretax return on assets | 1.4229% | 2,138 |
| Return on Equity (ROE) | 16.7501% | 493 |
| Retained earnings to average equity (ytd only) | 16.7501% | 111 |
| Net charge-offs to loans | -0.1700% | 5,105 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.9836% | 5,189 |
| Assets per employee ($millions) | 15.0385% | 108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2036% | 332 |
| 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 | 12.0139% | 5,245 |
| Net loans and leases to deposits | 12.9322% | 5,251 |
| Net loans and leases to core deposits | 13.3986% | 5,245 |
| Total domestic deposits to total assets | 92.8993% | 14 |
| Equity capital to assets | 7.0216% | 5,262 |
| Core capital (leverage) ratio | 7.1852% | 5,256 |
| Tier 1 risk-based capital ratio | 35.9615% | 313 |
| Total risk-based capital ratio | 37.2140% | 307 |
| Memoranda: | ||
| Average total assets | $457,372,670 | 1,541 |
| Average earning assets | $444,601,670 | 1,479 |
| Average equity | $31,438,670 | 2,338 |
| Average total loans | $56,476,000 | 4,117 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4855% | 5,337 |
| Cost of funding earning assets | 0.1867% | 5,148 |
| Net interest margin | 2.2987% | 5,255 |
| Noninterest income to average assets | 0.0768% | 5,152 |
| Noninterest expense to average assets | 0.8204% | 5,332 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2186% | 1,993 |
| Return on assets (ROA) | 1.2186% | 2,040 |
| Pretax return on assets | 1.5065% | 1,741 |
| Return on Equity (ROE) | 17.9273% | 405 |
| Retained earnings to average equity (ytd only) | 17.9273% | 145 |
| Net charge-offs to loans | -0.1712% | 5,147 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.2562% | 5,283 |
| Assets per employee ($millions) | 14.9224% | 109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1594% | 378 |
| 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 | 12.1259% | 5,304 |
| Net loans and leases to deposits | 13.0272% | 5,307 |
| Net loans and leases to core deposits | 13.5433% | 5,302 |
| Total domestic deposits to total assets | 93.0814% | 21 |
| Equity capital to assets | 6.8053% | 5,317 |
| Core capital (leverage) ratio | 7.1040% | 5,311 |
| Tier 1 risk-based capital ratio | 34.7910% | 328 |
| Total risk-based capital ratio | 36.0431% | 323 |
| Memoranda: | ||
| Average total assets | $452,963,000 | 1,566 |
| Average earning assets | $443,374,000 | 1,499 |
| Average equity | $30,791,000 | 2,366 |
| Average total loans | $56,079,000 | 4,166 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2558% | 5,358 |
| Cost of funding earning assets | 0.1417% | 5,197 |
| Net interest margin | 2.1142% | 5,320 |
| Noninterest income to average assets | 0.0851% | 5,191 |
| Noninterest expense to average assets | 0.9648% | 5,359 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9584% | 3,187 |
| Return on assets (ROA) | 0.9584% | 3,186 |
| Pretax return on assets | 1.1695% | 3,018 |
| Return on Equity (ROE) | 13.7838% | 1,106 |
| Retained earnings to average equity (ytd only) | 12.9622% | 238 |
| Net charge-offs to loans | -0.1080% | 5,168 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2039% | 5,144 |
| Assets per employee ($millions) | 14.3010% | 115 |
| Cash dividends to net income (ytd only)* | 5.9606% | 3,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2143% | 327 |
| 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 | 12.0930% | 5,347 |
| Net loans and leases to deposits | 12.9798% | 5,355 |
| Net loans and leases to core deposits | 13.5166% | 5,348 |
| Total domestic deposits to total assets | 93.1679% | 30 |
| Equity capital to assets | 6.7897% | 5,345 |
| Core capital (leverage) ratio | 6.8795% | 5,359 |
| Tier 1 risk-based capital ratio | 34.2781% | 333 |
| Total risk-based capital ratio | 35.5319% | 327 |
| Memoranda: | ||
| Average total assets | $407,856,400 | 1,682 |
| Average earning assets | $395,334,000 | 1,604 |
| Average equity | $28,359,400 | 2,437 |
| Average total loans | $60,202,000 | 4,087 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2287% | 5,430 |
| Cost of funding earning assets | 0.1250% | 5,288 |
| Net interest margin | 2.1037% | 5,394 |
| Noninterest income to average assets | 0.0872% | 5,251 |
| Noninterest expense to average assets | 0.8846% | 5,435 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0259% | 2,983 |
| Return on assets (ROA) | 1.0259% | 2,994 |
| Pretax return on assets | 1.2328% | 2,878 |
| Return on Equity (ROE) | 14.6585% | 947 |
| Retained earnings to average equity (ytd only) | 14.6585% | 192 |
| Net charge-offs to loans | -0.0888% | 5,132 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7771% | 5,278 |
| Assets per employee ($millions) | 13.9395% | 123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0477% | 447 |
| 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 | 13.6119% | 5,413 |
| Net loans and leases to deposits | 14.6509% | 5,418 |
| Net loans and leases to core deposits | 15.2133% | 5,415 |
| Total domestic deposits to total assets | 92.9082% | 39 |
| Equity capital to assets | 7.0528% | 5,383 |
| Core capital (leverage) ratio | 7.2507% | 5,415 |
| Tier 1 risk-based capital ratio | 32.2953% | 388 |
| Total risk-based capital ratio | 33.5458% | 384 |
| Memoranda: | ||
| Average total assets | $398,987,750 | 1,720 |
| Average earning assets | $385,023,250 | 1,653 |
| Average equity | $27,924,000 | 2,464 |
| Average total loans | $61,546,000 | 4,093 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1806% | 5,495 |
| Cost of funding earning assets | 0.1041% | 5,400 |
| Net interest margin | 2.0765% | 5,459 |
| Noninterest income to average assets | 0.0902% | 5,294 |
| Noninterest expense to average assets | 0.8798% | 5,504 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0016% | 3,010 |
| Return on assets (ROA) | 1.0016% | 3,010 |
| Pretax return on assets | 1.2120% | 2,900 |
| Return on Equity (ROE) | 14.3500% | 996 |
| Retained earnings to average equity (ytd only) | 14.3500% | 249 |
| Net charge-offs to loans | -0.1021% | 5,166 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0604% | 5,341 |
| Assets per employee ($millions) | 12.6575% | 165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8943% | 638 |
| 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 | 15.5748% | 5,470 |
| Net loans and leases to deposits | 16.7960% | 5,479 |
| Net loans and leases to core deposits | 17.5931% | 5,476 |
| Total domestic deposits to total assets | 92.7296% | 45 |
| Equity capital to assets | 7.2355% | 5,430 |
| Core capital (leverage) ratio | 7.1805% | 5,470 |
| Tier 1 risk-based capital ratio | 29.6586% | 485 |
| Total risk-based capital ratio | 30.9101% | 481 |
| Memoranda: | ||
| Average total assets | $392,588,330 | 1,758 |
| Average earning assets | $378,427,330 | 1,693 |
| Average equity | $27,400,670 | 2,507 |
| Average total loans | $62,690,330 | 4,104 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1274% | 5,566 |
| Cost of funding earning assets | 0.0593% | 5,542 |
| Net interest margin | 2.0681% | 5,531 |
| Noninterest income to average assets | 0.0886% | 5,366 |
| Noninterest expense to average assets | 0.8872% | 5,573 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9799% | 2,941 |
| Return on assets (ROA) | 0.9799% | 2,970 |
| Pretax return on assets | 1.1897% | 2,800 |
| Return on Equity (ROE) | 14.3019% | 948 |
| Retained earnings to average equity (ytd only) | 14.3019% | 386 |
| Net charge-offs to loans | -0.0509% | 4,974 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.7170% | 5,381 |
| Assets per employee ($millions) | 13.0724% | 151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8454% | 718 |
| 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 | 15.1723% | 5,532 |
| Net loans and leases to deposits | 16.2861% | 5,539 |
| Net loans and leases to core deposits | 17.1801% | 5,534 |
| Total domestic deposits to total assets | 93.1612% | 35 |
| Equity capital to assets | 6.7579% | 5,530 |
| Core capital (leverage) ratio | 7.1748% | 5,534 |
| Tier 1 risk-based capital ratio | 28.3484% | 540 |
| Total risk-based capital ratio | 29.5658% | 538 |
| Memoranda: | ||
| Average total assets | $392,691,000 | 1,768 |
| Average earning assets | $377,546,500 | 1,708 |
| Average equity | $26,905,500 | 2,561 |
| Average total loans | $62,889,000 | 4,133 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0171% | 5,610 |
| Cost of funding earning assets | 0.0496% | 5,618 |
| Net interest margin | 1.9675% | 5,577 |
| Noninterest income to average assets | 0.0954% | 5,424 |
| Noninterest expense to average assets | 1.0667% | 5,603 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6439% | 3,841 |
| Return on assets (ROA) | 0.6439% | 3,874 |
| Pretax return on assets | 0.9079% | 3,897 |
| Return on Equity (ROE) | 8.9842% | 2,325 |
| Retained earnings to average equity (ytd only) | 8.0721% | 738 |
| Net charge-offs to loans | -0.0115% | 4,818 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0210% | 4,949 |
| Assets per employee ($millions) | 11.5193% | 215 |
| Cash dividends to net income (ytd only)* | 10.1525% | 3,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8199% | 755 |
| Loan loss allowance to noncurrent loans | 7,181.2500% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 5,176 |
| Noncurrent loans to loans | 0.0253% | 4,904 |
| Net loans and leases to total assets | 16.3068% | 5,592 |
| Net loans and leases to deposits | 17.5302% | 5,605 |
| Net loans and leases to core deposits | 18.5844% | 5,601 |
| Total domestic deposits to total assets | 93.0207% | 33 |
| Equity capital to assets | 6.9514% | 5,585 |
| Core capital (leverage) ratio | 7.1212% | 5,591 |
| Tier 1 risk-based capital ratio | 26.5623% | 621 |
| Total risk-based capital ratio | 27.7374% | 615 |
| Memoranda: | ||
| Average total assets | $356,434,200 | 1,886 |
| Average earning assets | $340,433,400 | 1,840 |
| Average equity | $25,544,800 | 2,638 |
| Average total loans | $61,055,800 | 4,178 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0177% | 5,678 |
| Cost of funding earning assets | 0.0507% | 5,679 |
| Net interest margin | 1.9669% | 5,648 |
| Noninterest income to average assets | 0.0974% | 5,483 |
| Noninterest expense to average assets | 0.9803% | 5,681 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7642% | 3,673 |
| Return on assets (ROA) | 0.7642% | 3,733 |
| Pretax return on assets | 0.9902% | 3,723 |
| Return on Equity (ROE) | 10.5770% | 1,868 |
| Retained earnings to average equity (ytd only) | 10.5770% | 474 |
| Net charge-offs to loans | -0.0220% | 4,883 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7490% | 5,266 |
| Assets per employee ($millions) | 10.8775% | 244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8369% | 793 |
| Loan loss allowance to noncurrent loans | 2,877.5000% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 5,203 |
| Noncurrent loans to loans | 0.0638% | 4,822 |
| Net loans and leases to total assets | 17.1352% | 5,657 |
| Net loans and leases to deposits | 18.5005% | 5,665 |
| Net loans and leases to core deposits | 19.2092% | 5,664 |
| Total domestic deposits to total assets | 92.6200% | 34 |
| Equity capital to assets | 7.3468% | 5,632 |
| Core capital (leverage) ratio | 7.4017% | 5,629 |
| Tier 1 risk-based capital ratio | 25.9974% | 675 |
| Total risk-based capital ratio | 27.1517% | 674 |
| Memoranda: | ||
| Average total assets | $350,508,500 | 1,921 |
| Average earning assets | $333,775,500 | 1,885 |
| Average equity | $25,324,750 | 2,679 |
| Average total loans | $60,535,500 | 4,229 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9526% | 5,734 |
| Cost of funding earning assets | 0.0515% | 5,718 |
| Net interest margin | 1.9011% | 5,707 |
| Noninterest income to average assets | 0.0972% | 5,526 |
| Noninterest expense to average assets | 0.9894% | 5,733 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7242% | 3,740 |
| Return on assets (ROA) | 0.7242% | 3,809 |
| Pretax return on assets | 0.9135% | 3,889 |
| Return on Equity (ROE) | 10.0818% | 2,004 |
| Retained earnings to average equity (ytd only) | 10.0818% | 569 |
| Net charge-offs to loans | -0.0134% | 4,629 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9952% | 5,175 |
| Assets per employee ($millions) | 10.8586% | 235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9128% | 710 |
| Loan loss allowance to noncurrent loans | 1,789.0625% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.0179% | 5,215 |
| Noncurrent loans to loans | 0.1069% | 4,697 |
| Net loans and leases to total assets | 16.3852% | 5,707 |
| Net loans and leases to deposits | 17.6534% | 5,715 |
| Net loans and leases to core deposits | 18.5853% | 5,712 |
| Total domestic deposits to total assets | 92.8162% | 34 |
| Equity capital to assets | 7.1503% | 5,697 |
| Core capital (leverage) ratio | 7.2689% | 5,683 |
| Tier 1 risk-based capital ratio | 26.3517% | 651 |
| Total risk-based capital ratio | 27.5499% | 636 |
| Memoranda: | ||
| Average total assets | $347,692,330 | 1,933 |
| Average earning assets | $330,230,670 | 1,905 |
| Average equity | $24,975,670 | 2,706 |
| Average total loans | $59,827,670 | 4,270 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9256% | 5,803 |
| Cost of funding earning assets | 0.0518% | 5,782 |
| Net interest margin | 1.8738% | 5,776 |
| Noninterest income to average assets | 0.0993% | 5,596 |
| Noninterest expense to average assets | 1.0106% | 5,803 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6765% | 3,803 |
| Return on assets (ROA) | 0.6765% | 3,844 |
| Pretax return on assets | 0.8634% | 3,887 |
| Return on Equity (ROE) | 9.3946% | 2,230 |
| Retained earnings to average equity (ytd only) | 9.3946% | 950 |
| Net charge-offs to loans | -0.0201% | 4,746 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9277% | 5,132 |
| Assets per employee ($millions) | 10.6187% | 253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9176% | 760 |
| Loan loss allowance to noncurrent loans | 1,300.0000% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.0251% | 5,221 |
| Noncurrent loans to loans | 0.1475% | 4,595 |
| Net loans and leases to total assets | 16.6981% | 5,773 |
| Net loans and leases to deposits | 17.9920% | 5,781 |
| Net loans and leases to core deposits | 19.2546% | 5,775 |
| Total domestic deposits to total assets | 92.8083% | 41 |
| Equity capital to assets | 7.1178% | 5,742 |
| Core capital (leverage) ratio | 7.4357% | 5,717 |
| Tier 1 risk-based capital ratio | 26.1460% | 680 |
| Total risk-based capital ratio | 27.3662% | 670 |
| Memoranda: | ||
| Average total assets | $342,371,000 | 1,976 |
| Average earning assets | $324,260,000 | 1,942 |
| Average equity | $24,652,500 | 2,737 |
| Average total loans | $59,812,000 | 4,308 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9793% | 5,845 |
| Cost of funding earning assets | 0.0500% | 5,837 |
| Net interest margin | 1.9293% | 5,818 |
| Noninterest income to average assets | 0.1047% | 5,631 |
| Noninterest expense to average assets | 1.1284% | 5,840 |
| Loan and lease loss provision to assets | 0.0774% | 2,816 |
| Net operating income to assets | 0.5586% | 4,398 |
| Return on assets (ROA) | 0.5586% | 4,503 |
| Pretax return on assets | 0.7283% | 4,396 |
| Return on Equity (ROE) | 7.6444% | 3,145 |
| Retained earnings to average equity (ytd only) | 7.6444% | 983 |
| Net charge-offs to loans | 0.0045% | 4,090 |
| Credit loss provision to net charge-offs | 8,333.3333% | 57 |
| Earnings coverage of net charge-offs (x) | 867.3333% | 89 |
| Efficiency ratio | 58.3413% | 4,812 |
| Assets per employee ($millions) | 10.4476% | 271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9027% | 801 |
| Loan loss allowance to noncurrent loans | 1,018.7500% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.0335% | 5,235 |
| Noncurrent loans to loans | 0.1868% | 4,490 |
| Net loans and leases to total assets | 17.5955% | 5,824 |
| Net loans and leases to deposits | 18.9848% | 5,836 |
| Net loans and leases to core deposits | 19.7767% | 5,834 |
| Total domestic deposits to total assets | 92.6822% | 56 |
| Equity capital to assets | 7.2872% | 5,760 |
| Core capital (leverage) ratio | 7.5634% | 5,737 |
| Tier 1 risk-based capital ratio | 25.8491% | 704 |
| Total risk-based capital ratio | 27.0809% | 690 |
| Memoranda: | ||
| Average total assets | $322,935,200 | 2,042 |
| Average earning assets | $306,225,800 | 2,004 |
| Average equity | $23,599,000 | 2,836 |
| Average total loans | $66,237,000 | 4,136 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0070% | 5,906 |
| Cost of funding earning assets | 0.0510% | 5,899 |
| Net interest margin | 1.9561% | 5,878 |
| Noninterest income to average assets | 0.1104% | 5,672 |
| Noninterest expense to average assets | 1.0572% | 5,916 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7002% | 3,843 |
| Return on assets (ROA) | 0.7002% | 3,975 |
| Pretax return on assets | 0.9081% | 3,955 |
| Return on Equity (ROE) | 9.5748% | 2,238 |
| Retained earnings to average equity (ytd only) | 9.5748% | 667 |
| Net charge-offs to loans | 0.0098% | 3,582 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 435.7706% | 202 |
| Efficiency ratio | 53.7940% | 5,255 |
| Assets per employee ($millions) | 9.9286% | 306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2813% | 2,791 |
| Loan loss allowance to noncurrent loans | 653.6765% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.0428% | 5,300 |
| Noncurrent loans to loans | 0.1960% | 4,566 |
| Net loans and leases to total assets | 21.5573% | 5,851 |
| Net loans and leases to deposits | 23.3462% | 5,875 |
| Net loans and leases to core deposits | 24.3050% | 5,876 |
| Total domestic deposits to total assets | 92.3375% | 56 |
| Equity capital to assets | 7.6295% | 5,827 |
| Core capital (leverage) ratio | 7.6392% | 5,800 |
| Tier 1 risk-based capital ratio | 23.4588% | 950 |
| Total risk-based capital ratio | 24.3385% | 979 |
| Memoranda: | ||
| Average total assets | $320,088,000 | 2,061 |
| Average earning assets | $303,527,500 | 2,024 |
| Average equity | $23,408,000 | 2,872 |
| Average total loans | $67,804,500 | 4,128 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9951% | 5,992 |
| Cost of funding earning assets | 0.0512% | 5,982 |
| Net interest margin | 1.9439% | 5,959 |
| Noninterest income to average assets | 0.1122% | 5,735 |
| Noninterest expense to average assets | 1.0565% | 5,995 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7149% | 3,722 |
| Return on assets (ROA) | 0.7149% | 3,876 |
| Pretax return on assets | 0.9013% | 3,949 |
| Return on Equity (ROE) | 9.9176% | 2,086 |
| Retained earnings to average equity (ytd only) | 9.9176% | 615 |
| Net charge-offs to loans | 0.0059% | 3,487 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 723.0000% | 79 |
| Efficiency ratio | 53.9637% | 5,314 |
| Assets per employee ($millions) | 9.8583% | 301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2779% | 2,908 |
| Loan loss allowance to noncurrent loans | 452.7919% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.0624% | 5,306 |
| Noncurrent loans to loans | 0.2822% | 4,362 |
| Net loans and leases to total assets | 21.8446% | 5,919 |
| Net loans and leases to deposits | 23.6291% | 5,948 |
| Net loans and leases to core deposits | 24.9266% | 5,947 |
| Total domestic deposits to total assets | 92.4477% | 55 |
| Equity capital to assets | 7.5146% | 5,913 |
| Core capital (leverage) ratio | 7.4658% | 5,886 |
| Tier 1 risk-based capital ratio | 23.5723% | 954 |
| Total risk-based capital ratio | 24.4792% | 970 |
| Memoranda: | ||
| Average total assets | $320,878,670 | 2,070 |
| Average earning assets | $304,651,330 | 2,022 |
| Average equity | $23,130,670 | 2,911 |
| Average total loans | $67,279,330 | 4,165 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9398% | 6,059 |
| Cost of funding earning assets | 0.0520% | 6,047 |
| Net interest margin | 1.8878% | 6,030 |
| Noninterest income to average assets | 0.1174% | 5,757 |
| Noninterest expense to average assets | 1.0631% | 6,065 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7009% | 3,703 |
| Return on assets (ROA) | 0.7009% | 3,821 |
| Pretax return on assets | 0.8480% | 4,041 |
| Return on Equity (ROE) | 9.9286% | 2,011 |
| Retained earnings to average equity (ytd only) | 9.9286% | 859 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6274% | 5,225 |
| Assets per employee ($millions) | 9.9883% | 280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2758% | 3,022 |
| Loan loss allowance to noncurrent loans | 470.5263% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.0576% | 5,378 |
| Noncurrent loans to loans | 0.2711% | 4,463 |
| Net loans and leases to total assets | 20.9879% | 5,977 |
| Net loans and leases to deposits | 22.5891% | 6,004 |
| Net loans and leases to core deposits | 24.2389% | 6,002 |
| Total domestic deposits to total assets | 92.9117% | 49 |
| Equity capital to assets | 7.0161% | 6,004 |
| Core capital (leverage) ratio | 7.2453% | 5,965 |
| Tier 1 risk-based capital ratio | 22.6094% | 1,074 |
| Total risk-based capital ratio | 23.5030% | 1,107 |
| Memoranda: | ||
| Average total assets | $323,585,500 | 2,065 |
| Average earning assets | $307,455,500 | 2,011 |
| Average equity | $22,843,000 | 2,943 |
| Average total loans | $66,017,000 | 4,218 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7408% | 6,113 |
| Cost of funding earning assets | 0.0481% | 6,108 |
| Net interest margin | 1.6928% | 6,093 |
| Noninterest income to average assets | 0.1167% | 5,818 |
| Noninterest expense to average assets | 1.0952% | 6,105 |
| Loan and lease loss provision to assets | 0.0472% | 3,383 |
| Net operating income to assets | 0.4440% | 4,904 |
| Return on assets (ROA) | 0.4440% | 4,988 |
| Pretax return on assets | 0.5801% | 4,898 |
| Return on Equity (ROE) | 6.4456% | 3,812 |
| Retained earnings to average equity (ytd only) | 6.4456% | 1,569 |
| Net charge-offs to loans | 0.0483% | 3,238 |
| Credit loss provision to net charge-offs | 535.7143% | 611 |
| Earnings coverage of net charge-offs (x) | 71.2500% | 758 |
| Efficiency ratio | 63.5816% | 4,356 |
| Assets per employee ($millions) | 9.6229% | 303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4428% | 2,241 |
| Loan loss allowance to noncurrent loans | 431.8841% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.0652% | 5,379 |
| Noncurrent loans to loans | 0.3341% | 4,264 |
| Net loans and leases to total assets | 19.2302% | 6,060 |
| Net loans and leases to deposits | 20.7085% | 6,081 |
| Net loans and leases to core deposits | 22.4291% | 6,075 |
| Total domestic deposits to total assets | 92.8618% | 50 |
| Equity capital to assets | 7.1042% | 6,041 |
| Core capital (leverage) ratio | 7.2978% | 6,011 |
| Tier 1 risk-based capital ratio | 23.4873% | 957 |
| Total risk-based capital ratio | 24.4388% | 979 |
| Memoranda: | ||
| Average total assets | $318,035,800 | 2,056 |
| Average earning assets | $301,692,000 | 2,008 |
| Average equity | $21,906,400 | 2,985 |
| Average total loans | $57,977,200 | 4,425 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7129% | 6,208 |
| Cost of funding earning assets | 0.0473% | 6,198 |
| Net interest margin | 1.6657% | 6,189 |
| Noninterest income to average assets | 0.1199% | 5,875 |
| Noninterest expense to average assets | 1.0209% | 6,207 |
| Loan and lease loss provision to assets | 0.0419% | 3,374 |
| Net operating income to assets | 0.4995% | 4,789 |
| Return on assets (ROA) | 0.4995% | 4,881 |
| Pretax return on assets | 0.6374% | 4,874 |
| Return on Equity (ROE) | 7.3094% | 3,461 |
| Retained earnings to average equity (ytd only) | 7.3094% | 1,542 |
| Net charge-offs to loans | 0.0538% | 2,835 |
| Credit loss provision to net charge-offs | 434.7826% | 712 |
| Earnings coverage of net charge-offs (x) | 70.4689% | 812 |
| Efficiency ratio | 60.0444% | 4,880 |
| Assets per employee ($millions) | 9.2732% | 341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4291% | 2,460 |
| Loan loss allowance to noncurrent loans | 379.0179% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.0755% | 5,457 |
| Noncurrent loans to loans | 0.3771% | 4,264 |
| Net loans and leases to total assets | 19.7340% | 6,140 |
| Net loans and leases to deposits | 21.3500% | 6,168 |
| Net loans and leases to core deposits | 22.6619% | 6,164 |
| Total domestic deposits to total assets | 92.4311% | 69 |
| Equity capital to assets | 7.5285% | 6,070 |
| Core capital (leverage) ratio | 7.3938% | 6,075 |
| Tier 1 risk-based capital ratio | 24.5397% | 896 |
| Total risk-based capital ratio | 25.4943% | 909 |
| Memoranda: | ||
| Average total assets | $318,155,500 | 2,066 |
| Average earning assets | $301,853,250 | 2,025 |
| Average equity | $21,743,000 | 3,014 |
| Average total loans | $56,981,250 | 4,507 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6474% | 6,289 |
| Cost of funding earning assets | 0.0467% | 6,277 |
| Net interest margin | 1.6007% | 6,269 |
| Noninterest income to average assets | 0.1174% | 5,958 |
| Noninterest expense to average assets | 0.9954% | 6,290 |
| Loan and lease loss provision to assets | 0.0307% | 3,511 |
| Net operating income to assets | 0.4863% | 4,826 |
| Return on assets (ROA) | 0.4863% | 4,930 |
| Pretax return on assets | 0.6087% | 4,954 |
| Return on Equity (ROE) | 7.3431% | 3,411 |
| Retained earnings to average equity (ytd only) | 7.3431% | 1,549 |
| Net charge-offs to loans | 0.0392% | 2,894 |
| Credit loss provision to net charge-offs | 454.5455% | 670 |
| Earnings coverage of net charge-offs (x) | 94.5455% | 621 |
| Efficiency ratio | 60.8876% | 4,849 |
| Assets per employee ($millions) | 9.5067% | 312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3487% | 2,997 |
| Loan loss allowance to noncurrent loans | 324.4000% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 0.0822% | 5,541 |
| Noncurrent loans to loans | 0.4157% | 4,229 |
| Net loans and leases to total assets | 19.5001% | 6,213 |
| Net loans and leases to deposits | 21.0245% | 6,238 |
| Net loans and leases to core deposits | 22.2396% | 6,233 |
| Total domestic deposits to total assets | 92.7495% | 68 |
| Equity capital to assets | 7.2117% | 6,162 |
| Core capital (leverage) ratio | 7.0216% | 6,185 |
| Tier 1 risk-based capital ratio | 24.4098% | 916 |
| Total risk-based capital ratio | 25.3343% | 937 |
| Memoranda: | ||
| Average total assets | $325,293,670 | 2,045 |
| Average earning assets | $308,357,000 | 1,992 |
| Average equity | $21,544,000 | 3,048 |
| Average total loans | $56,172,330 | 4,575 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5772% | 6,361 |
| Cost of funding earning assets | 0.0503% | 6,347 |
| Net interest margin | 1.5269% | 6,341 |
| Noninterest income to average assets | 0.1143% | 6,022 |
| Noninterest expense to average assets | 0.9671% | 6,370 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4740% | 4,783 |
| Return on assets (ROA) | 0.4740% | 4,901 |
| Pretax return on assets | 0.5932% | 4,934 |
| Return on Equity (ROE) | 7.4579% | 3,241 |
| Retained earnings to average equity (ytd only) | 7.4579% | 1,786 |
| Net charge-offs to loans | 0.0074% | 3,081 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 498.0000% | 108 |
| Efficiency ratio | 61.9847% | 4,801 |
| Assets per employee ($millions) | 11.0232% | 196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3842% | 2,995 |
| Loan loss allowance to noncurrent loans | 279.3478% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 0.0808% | 5,616 |
| Noncurrent loans to loans | 0.4955% | 4,093 |
| Net loans and leases to total assets | 16.0746% | 6,316 |
| Net loans and leases to deposits | 17.1681% | 6,334 |
| Net loans and leases to core deposits | 18.2493% | 6,324 |
| Total domestic deposits to total assets | 93.6302% | 38 |
| Equity capital to assets | 6.3052% | 6,323 |
| Core capital (leverage) ratio | 6.6417% | 6,279 |
| Tier 1 risk-based capital ratio | 24.8229% | 904 |
| Total risk-based capital ratio | 25.7342% | 922 |
| Memoranda: | ||
| Average total assets | $335,833,500 | 1,987 |
| Average earning assets | $318,027,000 | 1,938 |
| Average equity | $21,346,500 | 3,091 |
| Average total loans | $54,192,000 | 4,666 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4755% | 6,452 |
| Cost of funding earning assets | 0.0572% | 6,426 |
| Net interest margin | 1.4184% | 6,439 |
| Noninterest income to average assets | 0.1066% | 6,126 |
| Noninterest expense to average assets | 0.9808% | 6,450 |
| Loan and lease loss provision to assets | 0.0384% | 3,811 |
| Net operating income to assets | 0.3369% | 5,420 |
| Return on assets (ROA) | 0.3369% | 5,488 |
| Pretax return on assets | 0.4350% | 5,413 |
| Return on Equity (ROE) | 5.7568% | 4,283 |
| Retained earnings to average equity (ytd only) | 5.7568% | 2,094 |
| Net charge-offs to loans | -0.0040% | 5,437 |
| Credit loss provision to net charge-offs | -6,750.0000% | 6,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4487% | 3,995 |
| Assets per employee ($millions) | 10.6435% | 207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4654% | 2,624 |
| Loan loss allowance to noncurrent loans | 264.3836% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 0.0885% | 5,673 |
| Noncurrent loans to loans | 0.5543% | 4,001 |
| Net loans and leases to total assets | 15.7331% | 6,414 |
| Net loans and leases to deposits | 16.8171% | 6,428 |
| Net loans and leases to core deposits | 17.9781% | 6,421 |
| Total domestic deposits to total assets | 93.5544% | 47 |
| Equity capital to assets | 6.4092% | 6,385 |
| Core capital (leverage) ratio | 5.8434% | 6,415 |
| Tier 1 risk-based capital ratio | 25.2858% | 812 |
| Total risk-based capital ratio | 26.2328% | 828 |
| Memoranda: | ||
| Average total assets | $351,741,400 | 1,850 |
| Average earning assets | $334,183,400 | 1,797 |
| Average equity | $20,584,200 | 3,096 |
| Average total loans | $50,541,800 | 4,800 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4275% | 6,542 |
| Cost of funding earning assets | 0.0577% | 6,511 |
| Net interest margin | 1.3699% | 6,527 |
| Noninterest income to average assets | 0.1090% | 6,211 |
| Noninterest expense to average assets | 0.9306% | 6,535 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3695% | 5,369 |
| Return on assets (ROA) | 0.3695% | 5,442 |
| Pretax return on assets | 0.4823% | 5,371 |
| Return on Equity (ROE) | 6.4567% | 3,998 |
| Retained earnings to average equity (ytd only) | 6.4567% | 2,128 |
| Net charge-offs to loans | 0.0027% | 4,615 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1,295.2030% | 50 |
| Efficiency ratio | 65.8653% | 4,229 |
| Assets per employee ($millions) | 10.6201% | 203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2655% | 3,848 |
| Loan loss allowance to noncurrent loans | 204.5161% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 0.0912% | 5,798 |
| Noncurrent loans to loans | 0.6188% | 4,071 |
| Net loans and leases to total assets | 14.5553% | 6,506 |
| Net loans and leases to deposits | 15.5180% | 6,520 |
| Net loans and leases to core deposits | 16.4343% | 6,511 |
| Total domestic deposits to total assets | 93.7959% | 49 |
| Equity capital to assets | 6.1652% | 6,469 |
| Core capital (leverage) ratio | 5.4520% | 6,509 |
| Tier 1 risk-based capital ratio | 26.0805% | 781 |
| Total risk-based capital ratio | 26.8945% | 803 |
| Memoranda: | ||
| Average total assets | $357,190,000 | 1,838 |
| Average earning assets | $339,974,000 | 1,772 |
| Average equity | $20,443,500 | 3,121 |
| Average total loans | $50,006,500 | 4,865 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3857% | 6,608 |
| Cost of funding earning assets | 0.0558% | 6,578 |
| Net interest margin | 1.3300% | 6,599 |
| Noninterest income to average assets | 0.1052% | 6,270 |
| Noninterest expense to average assets | 0.9273% | 6,602 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3532% | 5,397 |
| Return on assets (ROA) | 0.3532% | 5,464 |
| Pretax return on assets | 0.4392% | 5,453 |
| Return on Equity (ROE) | 6.3234% | 3,980 |
| Retained earnings to average equity (ytd only) | 6.3234% | 2,141 |
| Net charge-offs to loans | 0.0040% | 4,245 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 797.0000% | 83 |
| Efficiency ratio | 67.8629% | 4,032 |
| Assets per employee ($millions) | 10.9375% | 183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2426% | 4,205 |
| Loan loss allowance to noncurrent loans | 189.2537% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 0.0928% | 5,878 |
| Noncurrent loans to loans | 0.6566% | 4,063 |
| Net loans and leases to total assets | 13.9606% | 6,573 |
| Net loans and leases to deposits | 14.8111% | 6,584 |
| Net loans and leases to core deposits | 15.7239% | 6,574 |
| Total domestic deposits to total assets | 94.2577% | 42 |
| Equity capital to assets | 5.7082% | 6,556 |
| Core capital (leverage) ratio | 5.8980% | 6,547 |
| Tier 1 risk-based capital ratio | 25.3313% | 840 |
| Total risk-based capital ratio | 26.1354% | 875 |
| Memoranda: | ||
| Average total assets | $362,972,670 | 1,804 |
| Average earning assets | $344,221,670 | 1,743 |
| Average equity | $20,274,000 | 3,141 |
| Average total loans | $49,975,670 | 4,897 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3446% | 6,686 |
| Cost of funding earning assets | 0.0556% | 6,656 |
| Net interest margin | 1.2890% | 6,678 |
| Noninterest income to average assets | 0.1022% | 6,326 |
| Noninterest expense to average assets | 0.9176% | 6,687 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3242% | 5,411 |
| Return on assets (ROA) | 0.3242% | 5,463 |
| Pretax return on assets | 0.4077% | 5,430 |
| Return on Equity (ROE) | 5.8679% | 4,090 |
| Retained earnings to average equity (ytd only) | 5.8679% | 2,612 |
| Net charge-offs to loans | 0.0162% | 3,267 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 185.5000% | 265 |
| Efficiency ratio | 69.2371% | 3,958 |
| Assets per employee ($millions) | 11.7909% | 140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3163% | 4,033 |
| Loan loss allowance to noncurrent loans | 180.3419% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 0.0960% | 5,956 |
| Noncurrent loans to loans | 0.7299% | 4,035 |
| Net loans and leases to total assets | 12.9830% | 6,653 |
| Net loans and leases to deposits | 13.7524% | 6,661 |
| Net loans and leases to core deposits | 14.6893% | 6,651 |
| Total domestic deposits to total assets | 94.4049% | 51 |
| Equity capital to assets | 5.5420% | 6,602 |
| Core capital (leverage) ratio | 5.8750% | 6,601 |
| Tier 1 risk-based capital ratio | 25.4217% | 844 |
| Total risk-based capital ratio | 26.2412% | 871 |
| Memoranda: | ||
| Average total assets | $363,990,500 | 1,804 |
| Average earning assets | $345,389,000 | 1,745 |
| Average equity | $20,109,500 | 3,166 |
| Average total loans | $49,452,000 | 4,949 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5352% | 6,745 |
| Cost of funding earning assets | 0.0573% | 6,745 |
| Net interest margin | 1.4779% | 6,724 |
| Noninterest income to average assets | 0.1193% | 6,323 |
| Noninterest expense to average assets | 1.0650% | 6,739 |
| Loan and lease loss provision to assets | 0.0153% | 4,821 |
| Net operating income to assets | 0.3571% | 5,307 |
| Return on assets (ROA) | 0.3571% | 5,423 |
| Pretax return on assets | 0.4498% | 5,361 |
| Return on Equity (ROE) | 6.0057% | 4,083 |
| Retained earnings to average equity (ytd only) | 6.0057% | 1,964 |
| Net charge-offs to loans | 0.6362% | 1,021 |
| Credit loss provision to net charge-offs | 15.6740% | 4,520 |
| Earnings coverage of net charge-offs (x) | 4.7680% | 3,465 |
| Efficiency ratio | 69.6043% | 3,902 |
| Assets per employee ($millions) | 11.3270% | 158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2496% | 4,389 |
| Loan loss allowance to noncurrent loans | 169.3333% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 0.1035% | 6,021 |
| Noncurrent loans to loans | 0.7380% | 4,114 |
| Net loans and leases to total assets | 13.8444% | 6,727 |
| Net loans and leases to deposits | 14.6555% | 6,741 |
| Net loans and leases to core deposits | 15.6062% | 6,732 |
| Total domestic deposits to total assets | 94.4654% | 61 |
| Equity capital to assets | 5.5073% | 6,655 |
| Core capital (leverage) ratio | 5.6645% | 6,679 |
| Tier 1 risk-based capital ratio | 24.2275% | 931 |
| Total risk-based capital ratio | 25.0127% | 965 |
| Memoranda: | ||
| Average total assets | $327,041,800 | 1,970 |
| Average earning assets | $312,199,000 | 1,898 |
| Average equity | $19,448,200 | 3,217 |
| Average total loans | $50,144,000 | 4,955 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5773% | 6,828 |
| Cost of funding earning assets | 0.0566% | 6,828 |
| Net interest margin | 1.5207% | 6,807 |
| Noninterest income to average assets | 0.1245% | 6,401 |
| Noninterest expense to average assets | 1.0237% | 6,827 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4098% | 5,213 |
| Return on assets (ROA) | 0.4098% | 5,346 |
| Pretax return on assets | 0.5540% | 5,193 |
| Return on Equity (ROE) | 6.7494% | 3,794 |
| Retained earnings to average equity (ytd only) | 6.7494% | 2,004 |
| Net charge-offs to loans | 0.0160% | 4,812 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 220.3275% | 264 |
| Efficiency ratio | 64.8871% | 4,667 |
| Assets per employee ($millions) | 10.8986% | 183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7674% | 2,403 |
| Loan loss allowance to noncurrent loans | 1,472.1311% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.0175% | 6,446 |
| Noncurrent loans to loans | 0.1201% | 5,967 |
| Net loans and leases to total assets | 14.3109% | 6,806 |
| Net loans and leases to deposits | 15.1764% | 6,818 |
| Net loans and leases to core deposits | 16.0633% | 6,811 |
| Total domestic deposits to total assets | 94.2969% | 58 |
| Equity capital to assets | 5.6693% | 6,722 |
| Core capital (leverage) ratio | 6.0096% | 6,717 |
| Tier 1 risk-based capital ratio | 23.9698% | 1,010 |
| Total risk-based capital ratio | 25.0743% | 1,009 |
| Memoranda: | ||
| Average total assets | $318,186,250 | 2,029 |
| Average earning assets | $304,065,000 | 1,960 |
| Average equity | $19,319,750 | 3,270 |
| Average total loans | $49,976,000 | 5,008 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6333% | 6,870 |
| Cost of funding earning assets | 0.0579% | 6,876 |
| Net interest margin | 1.5754% | 6,846 |
| Noninterest income to average assets | 0.1299% | 6,404 |
| Noninterest expense to average assets | 1.0578% | 6,864 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4942% | 4,824 |
| Return on assets (ROA) | 0.4942% | 5,001 |
| Pretax return on assets | 0.5727% | 5,122 |
| Return on Equity (ROE) | 7.9399% | 3,130 |
| Retained earnings to average equity (ytd only) | 7.9399% | 1,511 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8746% | 4,727 |
| Assets per employee ($millions) | 9.4225% | 257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7216% | 2,699 |
| Loan loss allowance to noncurrent loans | 1,506.6667% | 338 |
| Noncurrent assets plus other real estate owned to assets | 0.0199% | 6,483 |
| Noncurrent loans to loans | 0.1143% | 6,051 |
| Net loans and leases to total assets | 17.1150% | 6,827 |
| Net loans and leases to deposits | 18.3093% | 6,849 |
| Net loans and leases to core deposits | 19.5681% | 6,840 |
| Total domestic deposits to total assets | 93.4770% | 88 |
| Equity capital to assets | 6.4855% | 6,692 |
| Core capital (leverage) ratio | 6.5258% | 6,696 |
| Tier 1 risk-based capital ratio | 23.1670% | 1,103 |
| Total risk-based capital ratio | 24.2545% | 1,119 |
| Memoranda: | ||
| Average total assets | $307,996,670 | 2,099 |
| Average earning assets | $293,386,670 | 2,024 |
| Average equity | $19,169,000 | 3,304 |
| Average total loans | $49,698,670 | 5,037 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6325% | 6,952 |
| Cost of funding earning assets | 0.0583% | 6,958 |
| Net interest margin | 1.5742% | 6,928 |
| Noninterest income to average assets | 0.1324% | 6,434 |
| Noninterest expense to average assets | 1.0821% | 6,940 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4678% | 4,833 |
| Return on assets (ROA) | 0.4678% | 4,997 |
| Pretax return on assets | 0.5424% | 5,141 |
| Return on Equity (ROE) | 7.6728% | 3,126 |
| Retained earnings to average equity (ytd only) | 7.6728% | 1,866 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6139% | 4,555 |
| Assets per employee ($millions) | 9.2807% | 288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8516% | 2,443 |
| Loan loss allowance to noncurrent loans | 886.2745% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.0343% | 6,506 |
| Noncurrent loans to loans | 0.2089% | 5,884 |
| Net loans and leases to total assets | 16.1353% | 6,910 |
| Net loans and leases to deposits | 17.2581% | 6,931 |
| Net loans and leases to core deposits | 18.6867% | 6,917 |
| Total domestic deposits to total assets | 93.4942% | 96 |
| Equity capital to assets | 6.4509% | 6,792 |
| Core capital (leverage) ratio | 6.2287% | 6,775 |
| Tier 1 risk-based capital ratio | 23.0989% | 1,144 |
| Total risk-based capital ratio | 24.2045% | 1,142 |
| Memoranda: | ||
| Average total assets | $311,235,500 | 2,112 |
| Average earning assets | $295,001,000 | 2,038 |
| Average equity | $18,976,000 | 3,381 |
| Average total loans | $48,293,500 | 5,120 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7226% | 7,012 |
| Cost of funding earning assets | 0.0932% | 7,005 |
| Net interest margin | 1.6294% | 6,983 |
| Noninterest income to average assets | 0.1427% | 6,325 |
| Noninterest expense to average assets | 1.2021% | 6,981 |
| Loan and lease loss provision to assets | 0.0267% | 5,559 |
| Net operating income to assets | 0.3868% | 5,151 |
| Return on assets (ROA) | 0.3868% | 5,387 |
| Pretax return on assets | 0.4562% | 5,408 |
| Return on Equity (ROE) | 5.9442% | 4,201 |
| Retained earnings to average equity (ytd only) | 5.9442% | 2,108 |
| Net charge-offs to loans | 0.1057% | 4,608 |
| Credit loss provision to net charge-offs | 153.0612% | 1,772 |
| Earnings coverage of net charge-offs (x) | 27.6939% | 1,062 |
| Efficiency ratio | 71.3411% | 3,556 |
| Assets per employee ($millions) | 10.4996% | 199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8926% | 2,315 |
| Loan loss allowance to noncurrent loans | 753.3333% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.0369% | 6,566 |
| Noncurrent loans to loans | 0.2512% | 5,851 |
| Net loans and leases to total assets | 14.3968% | 6,985 |
| Net loans and leases to deposits | 15.2839% | 6,999 |
| Net loans and leases to core deposits | 16.4199% | 6,989 |
| Total domestic deposits to total assets | 94.1961% | 61 |
| Equity capital to assets | 5.7741% | 6,903 |
| Core capital (leverage) ratio | 6.4175% | 6,809 |
| Tier 1 risk-based capital ratio | 22.2062% | 1,229 |
| Total risk-based capital ratio | 23.2897% | 1,224 |
| Memoranda: | ||
| Average total assets | $280,997,000 | 2,260 |
| Average earning assets | $265,985,800 | 2,187 |
| Average equity | $18,286,800 | 3,432 |
| Average total loans | $46,336,000 | 5,233 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7799% | 7,119 |
| Cost of funding earning assets | 0.0968% | 7,115 |
| Net interest margin | 1.6831% | 7,090 |
| Noninterest income to average assets | 0.1507% | 6,394 |
| Noninterest expense to average assets | 1.1882% | 7,083 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4456% | 5,054 |
| Return on assets (ROA) | 0.4456% | 5,298 |
| Pretax return on assets | 0.5598% | 5,279 |
| Return on Equity (ROE) | 6.6225% | 4,002 |
| Retained earnings to average equity (ytd only) | 6.6225% | 2,318 |
| Net charge-offs to loans | 0.1421% | 3,975 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 23.1231% | 1,326 |
| Efficiency ratio | 67.9763% | 4,071 |
| Assets per employee ($millions) | 8.3577% | 420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6935% | 3,172 |
| Loan loss allowance to noncurrent loans | 596.4029% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.0504% | 6,627 |
| Noncurrent loans to loans | 0.2839% | 5,922 |
| Net loans and leases to total assets | 17.4486% | 7,054 |
| Net loans and leases to deposits | 18.7193% | 7,084 |
| Net loans and leases to core deposits | 20.0296% | 7,079 |
| Total domestic deposits to total assets | 93.2115% | 99 |
| Equity capital to assets | 6.7472% | 6,914 |
| Core capital (leverage) ratio | 6.9365% | 6,810 |
| Tier 1 risk-based capital ratio | 24.4997% | 952 |
| Total risk-based capital ratio | 25.6082% | 959 |
| Memoranda: | ||
| Average total assets | $269,874,000 | 2,367 |
| Average earning assets | $256,115,000 | 2,291 |
| Average equity | $18,160,000 | 3,482 |
| Average total loans | $45,979,000 | 5,308 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7727% | 7,192 |
| Cost of funding earning assets | 0.1005% | 7,176 |
| Net interest margin | 1.6722% | 7,165 |
| Noninterest income to average assets | 0.1493% | 6,449 |
| Noninterest expense to average assets | 1.1848% | 7,150 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4561% | 5,012 |
| Return on assets (ROA) | 0.4561% | 5,247 |
| Pretax return on assets | 0.5539% | 5,297 |
| Return on Equity (ROE) | 6.7850% | 3,896 |
| Retained earnings to average equity (ytd only) | 6.7850% | 2,227 |
| Net charge-offs to loans | -0.0267% | 6,494 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1408% | 4,093 |
| Assets per employee ($millions) | 7.6048% | 559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9058% | 2,536 |
| 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 | 17.0944% | 7,119 |
| Net loans and leases to deposits | 18.3660% | 7,147 |
| Net loans and leases to core deposits | 19.8524% | 7,143 |
| Total domestic deposits to total assets | 93.0766% | 123 |
| Equity capital to assets | 6.8821% | 6,928 |
| Core capital (leverage) ratio | 6.9006% | 6,846 |
| Tier 1 risk-based capital ratio | 25.3389% | 871 |
| Total risk-based capital ratio | 26.5797% | 856 |
| Memoranda: | ||
| Average total assets | $267,897,000 | 2,388 |
| Average earning assets | $254,640,670 | 2,314 |
| Average equity | $18,010,330 | 3,494 |
| Average total loans | $44,987,670 | 5,382 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7649% | 7,253 |
| Cost of funding earning assets | 0.1062% | 7,241 |
| Net interest margin | 1.6587% | 7,220 |
| Noninterest income to average assets | 0.1563% | 6,455 |
| Noninterest expense to average assets | 1.1951% | 7,211 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4450% | 5,058 |
| Return on assets (ROA) | 0.4450% | 5,249 |
| Pretax return on assets | 0.5417% | 5,313 |
| Return on Equity (ROE) | 6.6978% | 3,949 |
| Retained earnings to average equity (ytd only) | 6.6978% | 2,587 |
| Net charge-offs to loans | -0.0090% | 5,917 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8089% | 4,017 |
| Assets per employee ($millions) | 8.3956% | 409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9258% | 2,600 |
| 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 | 16.1574% | 7,189 |
| Net loans and leases to deposits | 17.2923% | 7,213 |
| Net loans and leases to core deposits | 18.9095% | 7,206 |
| Total domestic deposits to total assets | 93.4371% | 117 |
| Equity capital to assets | 6.4990% | 7,013 |
| Core capital (leverage) ratio | 6.8212% | 6,901 |
| Tier 1 risk-based capital ratio | 26.3805% | 773 |
| Total risk-based capital ratio | 27.6302% | 760 |
| Memoranda: | ||
| Average total assets | $268,761,000 | 2,396 |
| Average earning assets | $256,110,000 | 2,314 |
| Average equity | $17,856,500 | 3,524 |
| Average total loans | $44,289,500 | 5,461 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4263% | 7,263 |
| Cost of funding earning assets | 0.2355% | 7,192 |
| Net interest margin | 2.1908% | 7,179 |
| Noninterest income to average assets | 0.1657% | 6,304 |
| Noninterest expense to average assets | 1.5553% | 7,138 |
| Loan and lease loss provision to assets | 0.0320% | 6,163 |
| Net operating income to assets | 0.5570% | 4,200 |
| Return on assets (ROA) | 0.5570% | 4,388 |
| Pretax return on assets | 0.6559% | 4,496 |
| Return on Equity (ROE) | 7.0198% | 3,400 |
| Retained earnings to average equity (ytd only) | 5.6759% | 2,189 |
| Net charge-offs to loans | 0.0233% | 6,119 |
| Credit loss provision to net charge-offs | 700.0000% | 313 |
| Earnings coverage of net charge-offs (x) | 150.3000% | 221 |
| Efficiency ratio | 69.3328% | 4,087 |
| Assets per employee ($millions) | 8.1396% | 450 |
| Cash dividends to net income (ytd only)* | 19.1454% | 3,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0450% | 2,142 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 16.1468% | 7,249 |
| Net loans and leases to deposits | 17.3342% | 7,275 |
| Net loans and leases to core deposits | 18.8743% | 7,257 |
| Total domestic deposits to total assets | 93.1504% | 129 |
| Equity capital to assets | 6.7982% | 7,006 |
| Core capital (leverage) ratio | 7.5042% | 6,648 |
| Tier 1 risk-based capital ratio | 26.2633% | 755 |
| Total risk-based capital ratio | 27.5137% | 744 |
| Memoranda: | ||
| Average total assets | $218,485,200 | 2,855 |
| Average earning assets | $207,189,000 | 2,762 |
| Average equity | $17,336,600 | 3,524 |
| Average total loans | $43,002,200 | 5,561 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6058% | 7,335 |
| Cost of funding earning assets | 0.2819% | 7,238 |
| Net interest margin | 2.3240% | 7,209 |
| Noninterest income to average assets | 0.1680% | 6,386 |
| Noninterest expense to average assets | 1.5462% | 7,196 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.7032% | 3,605 |
| Return on assets (ROA) | 0.7032% | 3,771 |
| Pretax return on assets | 0.8205% | 4,052 |
| Return on Equity (ROE) | 8.4820% | 2,827 |
| Retained earnings to average equity (ytd only) | 8.4820% | 1,318 |
| Net charge-offs to loans | 0.0961% | 5,020 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 41.2925% | 754 |
| Efficiency ratio | 65.3304% | 4,838 |
| Assets per employee ($millions) | 6.8545% | 798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7515% | 3,100 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 19.5162% | 7,288 |
| Net loans and leases to deposits | 21.2020% | 7,316 |
| Net loans and leases to core deposits | 23.2103% | 7,303 |
| Total domestic deposits to total assets | 92.0485% | 208 |
| Equity capital to assets | 7.8781% | 6,765 |
| Core capital (leverage) ratio | 8.3702% | 5,899 |
| Tier 1 risk-based capital ratio | 27.0484% | 731 |
| Total risk-based capital ratio | 28.2627% | 725 |
| Memoranda: | ||
| Average total assets | $207,990,000 | 2,984 |
| Average earning assets | $196,785,000 | 2,905 |
| Average equity | $17,244,000 | 3,545 |
| Average total loans | $43,019,000 | 5,602 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7254% | 7,397 |
| Cost of funding earning assets | 0.3272% | 7,266 |
| Net interest margin | 2.3982% | 7,236 |
| Noninterest income to average assets | 0.1654% | 6,473 |
| Noninterest expense to average assets | 1.6343% | 7,235 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6755% | 3,663 |
| Return on assets (ROA) | 0.6755% | 3,782 |
| Pretax return on assets | 0.7964% | 4,048 |
| Return on Equity (ROE) | 7.9991% | 2,948 |
| Retained earnings to average equity (ytd only) | 7.9991% | 1,465 |
| Net charge-offs to loans | 0.1416% | 4,348 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 26.8000% | 1,006 |
| Efficiency ratio | 67.2372% | 4,657 |
| Assets per employee ($millions) | 6.1645% | 1,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8777% | 2,734 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 20.2419% | 7,365 |
| Net loans and leases to deposits | 22.1629% | 7,391 |
| Net loans and leases to core deposits | 25.2550% | 7,370 |
| Total domestic deposits to total assets | 91.3322% | 385 |
| Equity capital to assets | 8.5558% | 6,119 |
| Core capital (leverage) ratio | 8.6293% | 5,348 |
| Tier 1 risk-based capital ratio | 27.8913% | 667 |
| Total risk-based capital ratio | 29.1412% | 652 |
| Memoranda: | ||
| Average total assets | $201,921,000 | 3,074 |
| Average earning assets | $190,724,000 | 2,983 |
| Average equity | $17,052,000 | 3,557 |
| Average total loans | $42,381,330 | 5,689 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7313% | 7,452 |
| Cost of funding earning assets | 0.3726% | 7,280 |
| Net interest margin | 2.3586% | 7,280 |
| Noninterest income to average assets | 0.1591% | 6,585 |
| Noninterest expense to average assets | 1.6464% | 7,273 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6065% | 4,000 |
| Return on assets (ROA) | 0.6065% | 4,069 |
| Pretax return on assets | 0.7278% | 4,193 |
| Return on Equity (ROE) | 7.2294% | 3,282 |
| Retained earnings to average equity (ytd only) | 7.2294% | 2,055 |
| Net charge-offs to loans | 0.0376% | 4,584 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 91.5000% | 343 |
| Efficiency ratio | 69.3467% | 4,409 |
| Assets per employee ($millions) | 6.3528% | 1,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8868% | 2,735 |
| Loan loss allowance to noncurrent loans | 110.5978% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 0.3511% | 6,329 |
| Noncurrent loans to loans | 1.7060% | 3,931 |
| Net loans and leases to total assets | 20.1900% | 7,422 |
| Net loans and leases to deposits | 22.0034% | 7,452 |
| Net loans and leases to core deposits | 25.2607% | 7,423 |
| Total domestic deposits to total assets | 91.7588% | 352 |
| Equity capital to assets | 8.1224% | 6,371 |
| Core capital (leverage) ratio | 8.6044% | 5,259 |
| Tier 1 risk-based capital ratio | 26.7643% | 725 |
| Total risk-based capital ratio | 27.9872% | 710 |
| Memoranda: | ||
| Average total assets | $201,166,500 | 3,098 |
| Average earning assets | $188,923,000 | 3,029 |
| Average equity | $16,875,500 | 3,580 |
| Average total loans | $42,589,000 | 5,723 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3668% | 7,424 |
| Cost of funding earning assets | 0.4651% | 7,350 |
| Net interest margin | 2.9017% | 6,890 |
| Noninterest income to average assets | 0.1926% | 6,390 |
| Noninterest expense to average assets | 2.0003% | 7,025 |
| Loan and lease loss provision to assets | 0.0430% | 6,735 |
| Net operating income to assets | 0.7522% | 2,992 |
| Return on assets (ROA) | 0.7522% | 3,115 |
| Pretax return on assets | 0.8749% | 3,391 |
| Return on Equity (ROE) | 7.7752% | 2,789 |
| Retained earnings to average equity (ytd only) | 2.2520% | 4,305 |
| Net charge-offs to loans | -0.0500% | 7,447 |
| Credit loss provision to net charge-offs | -375.0000% | 7,098 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5462% | 4,448 |
| Assets per employee ($millions) | 5.8391% | 1,324 |
| Cash dividends to net income (ytd only)* | 71.0366% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9459% | 2,425 |
| Loan loss allowance to noncurrent loans | 4,811.7647% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.0088% | 7,235 |
| Noncurrent loans to loans | 0.0404% | 7,028 |
| Net loans and leases to total assets | 21.3914% | 7,505 |
| Net loans and leases to deposits | 23.4485% | 7,533 |
| Net loans and leases to core deposits | 27.1569% | 7,506 |
| Total domestic deposits to total assets | 91.2268% | 493 |
| Equity capital to assets | 8.6787% | 5,613 |
| Core capital (leverage) ratio | 9.2944% | 4,016 |
| Tier 1 risk-based capital ratio | 26.6023% | 693 |
| Total risk-based capital ratio | 27.8017% | 690 |
| Memoranda: | ||
| Average total assets | $174,424,200 | 3,459 |
| Average earning assets | $163,834,800 | 3,379 |
| Average equity | $16,874,200 | 3,614 |
| Average total loans | $40,001,800 | 5,924 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4731% | 7,539 |
| Cost of funding earning assets | 0.4834% | 7,466 |
| Net interest margin | 2.9897% | 6,855 |
| Noninterest income to average assets | 0.2009% | 6,461 |
| Noninterest expense to average assets | 1.9066% | 7,198 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.9003% | 2,605 |
| Return on assets (ROA) | 0.9003% | 2,758 |
| Pretax return on assets | 1.1052% | 2,809 |
| Return on Equity (ROE) | 9.0427% | 2,477 |
| Retained earnings to average equity (ytd only) | 9.0427% | 1,046 |
| Net charge-offs to loans | -0.0709% | 7,508 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3047% | 5,380 |
| Assets per employee ($millions) | 5.1347% | 2,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7735% | 2,878 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 24.2865% | 7,563 |
| Net loans and leases to deposits | 27.1285% | 7,601 |
| Net loans and leases to core deposits | 31.0795% | 7,566 |
| Total domestic deposits to total assets | 89.5240% | 1,112 |
| Equity capital to assets | 10.3220% | 3,735 |
| Core capital (leverage) ratio | 10.2739% | 2,948 |
| Tier 1 risk-based capital ratio | 29.2099% | 557 |
| Total risk-based capital ratio | 30.4508% | 544 |
| Memoranda: | ||
| Average total assets | $169,857,750 | 3,584 |
| Average earning assets | $159,699,500 | 3,502 |
| Average equity | $16,912,000 | 3,653 |
| Average total loans | $39,493,000 | 6,024 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4960% | 7,609 |
| Cost of funding earning assets | 0.5010% | 7,544 |
| Net interest margin | 2.9950% | 6,834 |
| Noninterest income to average assets | 0.2035% | 6,448 |
| Noninterest expense to average assets | 1.9024% | 7,260 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.8965% | 2,564 |
| Return on assets (ROA) | 0.8965% | 2,685 |
| Pretax return on assets | 1.1141% | 2,733 |
| Return on Equity (ROE) | 9.1152% | 2,415 |
| Retained earnings to average equity (ytd only) | 9.1152% | 1,072 |
| Net charge-offs to loans | -0.1085% | 7,564 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0655% | 5,507 |
| Assets per employee ($millions) | 5.0808% | 2,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9089% | 2,389 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 22.7710% | 7,658 |
| Net loans and leases to deposits | 25.4025% | 7,693 |
| Net loans and leases to core deposits | 29.6522% | 7,662 |
| Total domestic deposits to total assets | 89.6407% | 1,104 |
| Equity capital to assets | 10.2019% | 3,767 |
| Core capital (leverage) ratio | 10.2105% | 2,928 |
| Tier 1 risk-based capital ratio | 32.9475% | 399 |
| Total risk-based capital ratio | 34.1995% | 394 |
| Memoranda: | ||
| Average total assets | $169,995,670 | 3,598 |
| Average earning assets | $159,667,330 | 3,524 |
| Average equity | $16,719,330 | 3,677 |
| Average total loans | $38,692,330 | 6,108 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4960% | 7,706 |
| Cost of funding earning assets | 0.5369% | 7,618 |
| Net interest margin | 2.9591% | 6,926 |
| Noninterest income to average assets | 0.1893% | 6,609 |
| Noninterest expense to average assets | 1.9140% | 7,311 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8577% | 2,719 |
| Return on assets (ROA) | 0.8577% | 2,808 |
| Pretax return on assets | 1.0446% | 2,923 |
| Return on Equity (ROE) | 8.8827% | 2,535 |
| Retained earnings to average equity (ytd only) | 8.8827% | 1,430 |
| Net charge-offs to loans | -0.2385% | 7,704 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6919% | 5,355 |
| Assets per employee ($millions) | 5.1450% | 2,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9200% | 2,384 |
| Loan loss allowance to noncurrent loans | 18,625.0000% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 7,504 |
| Noncurrent loans to loans | 0.0103% | 7,393 |
| Net loans and leases to total assets | 22.4153% | 7,756 |
| Net loans and leases to deposits | 24.9169% | 7,792 |
| Net loans and leases to core deposits | 29.3864% | 7,753 |
| Total domestic deposits to total assets | 89.9603% | 1,007 |
| Equity capital to assets | 9.8418% | 4,062 |
| Core capital (leverage) ratio | 9.8986% | 3,288 |
| Tier 1 risk-based capital ratio | 28.3870% | 611 |
| Total risk-based capital ratio | 29.6526% | 597 |
| Memoranda: | ||
| Average total assets | $171,161,000 | 3,638 |
| Average earning assets | $160,182,500 | 3,563 |
| Average equity | $16,526,500 | 3,749 |
| Average total loans | $38,577,500 | 6,187 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8618% | 7,745 |
| Cost of funding earning assets | 0.7947% | 7,560 |
| Net interest margin | 3.0671% | 6,475 |
| Noninterest income to average assets | 0.1896% | 6,734 |
| Noninterest expense to average assets | 2.0334% | 7,314 |
| Loan and lease loss provision to assets | 0.0804% | 6,803 |
| Net operating income to assets | 0.8234% | 2,437 |
| Return on assets (ROA) | 0.8234% | 2,529 |
| Pretax return on assets | 0.9739% | 2,675 |
| Return on Equity (ROE) | 8.7027% | 2,118 |
| Retained earnings to average equity (ytd only) | 3.0426% | 3,033 |
| Net charge-offs to loans | 0.1598% | 5,676 |
| Credit loss provision to net charge-offs | 229.5082% | 1,608 |
| Earnings coverage of net charge-offs (x) | 30.0820% | 759 |
| Efficiency ratio | 65.8541% | 5,421 |
| Assets per employee ($millions) | 5.2284% | 1,921 |
| Cash dividends to net income (ytd only)* | 65.0384% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8826% | 2,304 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 21.8099% | 7,842 |
| Net loans and leases to deposits | 24.1312% | 7,880 |
| Net loans and leases to core deposits | 30.7016% | 7,859 |
| Total domestic deposits to total assets | 90.3806% | 789 |
| Equity capital to assets | 9.4722% | 4,453 |
| Core capital (leverage) ratio | 9.8758% | 3,234 |
| Tier 1 risk-based capital ratio | 28.0928% | 635 |
| Total risk-based capital ratio | 29.3339% | 615 |
| Memoranda: | ||
| Average total assets | $174,044,800 | 3,531 |
| Average earning assets | $164,455,800 | 3,436 |
| Average equity | $16,466,200 | 3,784 |
| Average total loans | $38,167,200 | 6,193 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9270% | 7,827 |
| Cost of funding earning assets | 0.8508% | 7,625 |
| Net interest margin | 3.0763% | 6,377 |
| Noninterest income to average assets | 0.1873% | 6,878 |
| Noninterest expense to average assets | 1.8858% | 7,561 |
| Loan and lease loss provision to assets | 0.0612% | 6,753 |
| Net operating income to assets | 0.8951% | 2,440 |
| Return on assets (ROA) | 0.8951% | 2,509 |
| Pretax return on assets | 1.1619% | 2,375 |
| Return on Equity (ROE) | 9.4641% | 2,111 |
| Retained earnings to average equity (ytd only) | 9.4641% | 738 |
| Net charge-offs to loans | 0.1469% | 5,232 |
| Credit loss provision to net charge-offs | 190.4762% | 2,380 |
| Earnings coverage of net charge-offs (x) | 38.0943% | 779 |
| Efficiency ratio | 60.6590% | 6,329 |
| Assets per employee ($millions) | 4.9253% | 2,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7548% | 2,427 |
| Loan loss allowance to noncurrent loans | 214.8265% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 0.1893% | 7,056 |
| Noncurrent loans to loans | 0.8168% | 5,665 |
| Net loans and leases to total assets | 22.7677% | 7,918 |
| Net loans and leases to deposits | 25.4358% | 7,954 |
| Net loans and leases to core deposits | 33.0327% | 7,931 |
| Total domestic deposits to total assets | 89.5104% | 958 |
| Equity capital to assets | 10.1594% | 3,898 |
| Core capital (leverage) ratio | 9.9986% | 3,285 |
| Tier 1 risk-based capital ratio | 29.6167% | 592 |
| Total risk-based capital ratio | 30.8022% | 587 |
| Memoranda: | ||
| Average total assets | $174,422,000 | 3,546 |
| Average earning assets | $165,652,000 | 3,454 |
| Average equity | $16,497,000 | 3,811 |
| Average total loans | $38,121,000 | 6,241 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9420% | 7,920 |
| Cost of funding earning assets | 0.8781% | 7,720 |
| Net interest margin | 3.0639% | 6,354 |
| Noninterest income to average assets | 0.1878% | 6,952 |
| Noninterest expense to average assets | 1.8547% | 7,676 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.0411% | 1,970 |
| Return on assets (ROA) | 1.0411% | 2,045 |
| Pretax return on assets | 1.2470% | 2,173 |
| Return on Equity (ROE) | 11.2711% | 1,624 |
| Retained earnings to average equity (ytd only) | 11.2711% | 525 |
| Net charge-offs to loans | 0.0158% | 6,307 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 367.3333% | 103 |
| Efficiency ratio | 59.7957% | 6,582 |
| Assets per employee ($millions) | 5.2558% | 1,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7473% | 2,194 |
| Loan loss allowance to noncurrent loans | 275.8621% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.1338% | 7,223 |
| Noncurrent loans to loans | 0.6334% | 5,980 |
| Net loans and leases to total assets | 20.7488% | 8,029 |
| Net loans and leases to deposits | 23.0590% | 8,056 |
| Net loans and leases to core deposits | 30.7114% | 8,031 |
| Total domestic deposits to total assets | 89.9816% | 841 |
| Equity capital to assets | 9.6644% | 4,403 |
| Core capital (leverage) ratio | 9.7607% | 3,563 |
| Tier 1 risk-based capital ratio | 29.1579% | 654 |
| Total risk-based capital ratio | 30.2712% | 645 |
| Memoranda: | ||
| Average total assets | $176,742,330 | 3,531 |
| Average earning assets | $168,086,000 | 3,427 |
| Average equity | $16,325,000 | 3,852 |
| Average total loans | $37,892,000 | 6,299 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0792% | 7,953 |
| Cost of funding earning assets | 0.9283% | 7,777 |
| Net interest margin | 3.1509% | 6,017 |
| Noninterest income to average assets | 0.1906% | 6,932 |
| Noninterest expense to average assets | 1.7445% | 7,770 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1861% | 1,693 |
| Return on assets (ROA) | 1.1861% | 1,802 |
| Pretax return on assets | 1.4373% | 1,857 |
| Return on Equity (ROE) | 13.1376% | 1,354 |
| Retained earnings to average equity (ytd only) | 13.1376% | 621 |
| Net charge-offs to loans | 0.0311% | 5,084 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 213.6667% | 196 |
| Efficiency ratio | 54.8273% | 7,131 |
| Assets per employee ($millions) | 5.4898% | 1,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7009% | 2,149 |
| Loan loss allowance to noncurrent loans | 275.8621% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.1321% | 7,188 |
| Noncurrent loans to loans | 0.6166% | 5,854 |
| Net loans and leases to total assets | 21.0550% | 8,071 |
| Net loans and leases to deposits | 23.3126% | 8,111 |
| Net loans and leases to core deposits | 30.7301% | 8,078 |
| Total domestic deposits to total assets | 90.3161% | 668 |
| Equity capital to assets | 9.3190% | 4,911 |
| Core capital (leverage) ratio | 9.1955% | 4,409 |
| Tier 1 risk-based capital ratio | 28.2322% | 737 |
| Total risk-based capital ratio | 29.3359% | 734 |
| Memoranda: | ||
| Average total assets | $178,393,000 | 3,538 |
| Average earning assets | $169,347,000 | 3,434 |
| Average equity | $16,106,500 | 3,926 |
| Average total loans | $38,524,500 | 6,305 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6257% | 8,000 |
| Cost of funding earning assets | 1.3290% | 7,814 |
| Net interest margin | 3.2968% | 6,048 |
| Noninterest income to average assets | 0.2005% | 7,015 |
| Noninterest expense to average assets | 1.9274% | 7,568 |
| Loan and lease loss provision to assets | 0.0600% | 6,659 |
| Net operating income to assets | 1.0462% | 2,374 |
| Return on assets (ROA) | 1.0462% | 2,267 |
| Pretax return on assets | 1.2983% | 2,318 |
| Return on Equity (ROE) | 10.6889% | 2,019 |
| Retained earnings to average equity (ytd only) | 0.6807% | 4,823 |
| Net charge-offs to loans | -0.0376% | 7,999 |
| Credit loss provision to net charge-offs | -666.6667% | 7,404 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6591% | 6,582 |
| Assets per employee ($millions) | 5.8424% | 1,237 |
| Cash dividends to net income (ytd only)* | 93.6317% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6311% | 2,124 |
| Loan loss allowance to noncurrent loans | 289.6396% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.1226% | 7,089 |
| Noncurrent loans to loans | 0.5632% | 5,680 |
| Net loans and leases to total assets | 21.4109% | 8,135 |
| Net loans and leases to deposits | 23.5256% | 8,176 |
| Net loans and leases to core deposits | 30.6461% | 8,149 |
| Total domestic deposits to total assets | 91.0111% | 324 |
| Equity capital to assets | 8.7470% | 5,735 |
| Core capital (leverage) ratio | 8.9446% | 4,823 |
| Tier 1 risk-based capital ratio | 26.1639% | 889 |
| Total risk-based capital ratio | 27.2259% | 885 |
| Memoranda: | ||
| Average total assets | $166,598,800 | 3,604 |
| Average earning assets | $155,910,600 | 3,552 |
| Average equity | $16,306,600 | 3,864 |
| Average total loans | $39,887,000 | 6,163 |