Home > First National Bank of Muscatine > Performance and Condition Ratios
First National Bank of Muscatine, Performance and Condition Ratios
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7496% | 3,844 |
| Cost of funding earning assets | 0.1510% | 3,492 |
| Net interest margin | 2.5986% | 3,664 |
| Noninterest income to average assets | 0.6962% | 1,329 |
| Noninterest expense to average assets | 3.2898% | 540 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.1069% | 4,599 |
| Return on assets (ROA) | -0.0984% | 4,576 |
| Pretax return on assets | -0.1265% | 4,590 |
| Return on Equity (ROE) | -0.9309% | 4,585 |
| Retained earnings to average equity (ytd only) | -0.9309% | 4,134 |
| Net charge-offs to loans | -0.0753% | 4,386 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.3553% | 183 |
| Assets per employee ($millions) | 6.5197% | 2,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8939% | 750 |
| Loan loss allowance to noncurrent loans | 132.0690% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 0.7804% | 708 |
| Noncurrent loans to loans | 1.4340% | 586 |
| Net loans and leases to total assets | 53.3873% | 2,831 |
| Net loans and leases to deposits | 60.5589% | 2,851 |
| Net loans and leases to core deposits | 61.6914% | 3,002 |
| Total domestic deposits to total assets | 88.1577% | 2,454 |
| Equity capital to assets | 10.4974% | 1,592 |
| Core capital (leverage) ratio | 10.8602% | 1,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4531% | 602 |
| Memoranda: | ||
| Average total assets | $369,994,000 | 2,169 |
| Average earning assets | $349,725,000 | 2,148 |
| Average equity | $39,101,500 | 2,088 |
| Average total loans | $201,879,000 | 2,216 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0265% | 3,822 |
| Cost of funding earning assets | 0.2395% | 3,049 |
| Net interest margin | 2.7871% | 3,695 |
| Noninterest income to average assets | 0.8875% | 1,242 |
| Noninterest expense to average assets | 2.2721% | 2,875 |
| Loan and lease loss provision to assets | -0.0232% | 4,241 |
| Net operating income to assets | 0.9736% | 2,779 |
| Return on assets (ROA) | 0.9736% | 2,842 |
| Pretax return on assets | 1.2646% | 2,472 |
| Return on Equity (ROE) | 9.2027% | 2,828 |
| Retained earnings to average equity (ytd only) | 5.3252% | 2,660 |
| Net charge-offs to loans | 0.1953% | 500 |
| Credit loss provision to net charge-offs | -20.1900% | 3,188 |
| Earnings coverage of net charge-offs (x) | 10.7815% | 2,193 |
| Efficiency ratio | 64.6688% | 2,450 |
| Assets per employee ($millions) | 6.2435% | 2,534 |
| Cash dividends to net income (ytd only)* | 42.1348% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8816% | 752 |
| Loan loss allowance to noncurrent loans | 101.8533% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 1.0107% | 551 |
| Noncurrent loans to loans | 1.8474% | 445 |
| Net loans and leases to total assets | 53.6795% | 2,889 |
| Net loans and leases to deposits | 60.9942% | 2,992 |
| Net loans and leases to core deposits | 62.3228% | 3,133 |
| Total domestic deposits to total assets | 88.0075% | 2,043 |
| Equity capital to assets | 10.6395% | 2,056 |
| Core capital (leverage) ratio | 10.8651% | 1,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8593% | 568 |
| Memoranda: | ||
| Average total assets | $365,646,000 | 2,124 |
| Average earning assets | $344,518,000 | 2,108 |
| Average equity | $38,684,200 | 2,129 |
| Average total loans | $215,598,600 | 2,135 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0555% | 3,898 |
| Cost of funding earning assets | 0.2577% | 3,036 |
| Net interest margin | 2.7978% | 3,786 |
| Noninterest income to average assets | 0.9170% | 1,226 |
| Noninterest expense to average assets | 2.2803% | 2,806 |
| Loan and lease loss provision to assets | 0.2337% | 412 |
| Net operating income to assets | 0.7979% | 3,522 |
| Return on assets (ROA) | 0.7979% | 3,599 |
| Pretax return on assets | 1.0361% | 3,359 |
| Return on Equity (ROE) | 7.5522% | 3,518 |
| Retained earnings to average equity (ytd only) | 4.4400% | 3,429 |
| Net charge-offs to loans | 0.0584% | 1,062 |
| Credit loss provision to net charge-offs | 666.6667% | 661 |
| Earnings coverage of net charge-offs (x) | 36.2083% | 1,428 |
| Efficiency ratio | 64.2313% | 2,351 |
| Assets per employee ($millions) | 5.9282% | 2,764 |
| Cash dividends to net income (ytd only)* | 41.2088% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3192% | 380 |
| Loan loss allowance to noncurrent loans | 90.2348% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 1.4839% | 334 |
| Noncurrent loans to loans | 2.5702% | 283 |
| Net loans and leases to total assets | 56.3954% | 2,684 |
| Net loans and leases to deposits | 64.5480% | 2,788 |
| Net loans and leases to core deposits | 66.0993% | 2,943 |
| Total domestic deposits to total assets | 87.3697% | 2,174 |
| Equity capital to assets | 10.8409% | 2,136 |
| Core capital (leverage) ratio | 10.8196% | 1,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3491% | 661 |
| Memoranda: | ||
| Average total assets | $364,966,500 | 2,148 |
| Average earning assets | $343,503,750 | 2,133 |
| Average equity | $38,557,250 | 2,159 |
| Average total loans | $219,116,250 | 2,138 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9260% | 4,181 |
| Cost of funding earning assets | 0.2823% | 2,952 |
| Net interest margin | 2.6436% | 4,095 |
| Noninterest income to average assets | 0.9533% | 1,152 |
| Noninterest expense to average assets | 2.2170% | 3,027 |
| Loan and lease loss provision to assets | 0.2868% | 309 |
| Net operating income to assets | 0.7244% | 3,701 |
| Return on assets (ROA) | 0.7244% | 3,766 |
| Pretax return on assets | 0.9408% | 3,568 |
| Return on Equity (ROE) | 6.9167% | 3,679 |
| Retained earnings to average equity (ytd only) | 3.7870% | 3,586 |
| Net charge-offs to loans | 0.0935% | 775 |
| Credit loss provision to net charge-offs | 504.8077% | 675 |
| Earnings coverage of net charge-offs (x) | 21.6058% | 1,504 |
| Efficiency ratio | 64.3616% | 2,379 |
| Assets per employee ($millions) | 5.6007% | 3,015 |
| Cash dividends to net income (ytd only)* | 45.2489% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1960% | 427 |
| Loan loss allowance to noncurrent loans | 89.3770% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 1.4287% | 411 |
| Noncurrent loans to loans | 2.4570% | 335 |
| Net loans and leases to total assets | 56.8692% | 2,797 |
| Net loans and leases to deposits | 64.9714% | 2,902 |
| Net loans and leases to core deposits | 66.9033% | 3,041 |
| Total domestic deposits to total assets | 87.5296% | 2,081 |
| Equity capital to assets | 10.4820% | 2,409 |
| Core capital (leverage) ratio | 10.1333% | 2,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7457% | 729 |
| Memoranda: | ||
| Average total assets | $366,081,333 | 2,130 |
| Average earning assets | $344,979,667 | 2,114 |
| Average equity | $38,342,000 | 2,158 |
| Average total loans | $222,561,667 | 2,134 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8222% | 4,354 |
| Cost of funding earning assets | 0.3138% | 2,855 |
| Net interest margin | 2.5084% | 4,287 |
| Noninterest income to average assets | 0.9739% | 1,179 |
| Noninterest expense to average assets | 2.2234% | 3,036 |
| Loan and lease loss provision to assets | 0.3294% | 263 |
| Net operating income to assets | 0.6017% | 3,939 |
| Return on assets (ROA) | 0.6017% | 4,001 |
| Pretax return on assets | 0.7818% | 3,846 |
| Return on Equity (ROE) | 5.7472% | 3,933 |
| Retained earnings to average equity (ytd only) | 2.6009% | 3,897 |
| Net charge-offs to loans | -0.0389% | 4,295 |
| Credit loss provision to net charge-offs | -1,363.6364% | 3,443 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6776% | 2,132 |
| Assets per employee ($millions) | 5.6903% | 2,922 |
| Cash dividends to net income (ytd only)* | 54.7445% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0367% | 552 |
| Loan loss allowance to noncurrent loans | 84.2326% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 1.4607% | 444 |
| Noncurrent loans to loans | 2.4180% | 394 |
| Net loans and leases to total assets | 59.1820% | 2,649 |
| Net loans and leases to deposits | 66.9173% | 2,819 |
| Net loans and leases to core deposits | 69.7210% | 2,892 |
| Total domestic deposits to total assets | 88.4405% | 1,639 |
| Equity capital to assets | 10.1837% | 2,530 |
| Core capital (leverage) ratio | 10.4742% | 2,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1828% | 770 |
| Memoranda: | ||
| Average total assets | $364,300,500 | 2,128 |
| Average earning assets | $342,854,000 | 2,113 |
| Average equity | $38,140,000 | 2,158 |
| Average total loans | $226,376,000 | 2,115 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5183% | 3,994 |
| Cost of funding earning assets | 0.5682% | 2,514 |
| Net interest margin | 2.9500% | 4,009 |
| Noninterest income to average assets | 1.2163% | 757 |
| Noninterest expense to average assets | 2.4362% | 3,029 |
| Loan and lease loss provision to assets | 0.3416% | 1,029 |
| Net operating income to assets | 0.9244% | 2,591 |
| Return on assets (ROA) | 0.9244% | 2,733 |
| Pretax return on assets | 1.2003% | 2,320 |
| Return on Equity (ROE) | 8.2608% | 2,708 |
| Retained earnings to average equity (ytd only) | 1.8900% | 3,873 |
| Net charge-offs to loans | 0.1047% | 1,419 |
| Credit loss provision to net charge-offs | 450.9804% | 1,332 |
| Earnings coverage of net charge-offs (x) | 20.3569% | 1,942 |
| Efficiency ratio | 61.2409% | 3,269 |
| Assets per employee ($millions) | 5.6038% | 2,739 |
| Cash dividends to net income (ytd only)* | 77.1208% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9029% | 719 |
| Loan loss allowance to noncurrent loans | 78.8913% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 1.5432% | 465 |
| Noncurrent loans to loans | 2.4120% | 435 |
| Net loans and leases to total assets | 62.7602% | 2,513 |
| Net loans and leases to deposits | 71.8285% | 2,701 |
| Net loans and leases to core deposits | 75.9843% | 2,730 |
| Total domestic deposits to total assets | 87.3750% | 1,753 |
| Equity capital to assets | 10.7733% | 2,454 |
| Core capital (leverage) ratio | 10.5882% | 2,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2970% | 861 |
| Memoranda: | ||
| Average total assets | $336,667,800 | 2,109 |
| Average earning assets | $315,181,600 | 2,096 |
| Average equity | $37,671,800 | 2,103 |
| Average total loans | $243,606,000 | 1,947 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5893% | 4,037 |
| Cost of funding earning assets | 0.6192% | 2,490 |
| Net interest margin | 2.9701% | 4,046 |
| Noninterest income to average assets | 1.2119% | 734 |
| Noninterest expense to average assets | 2.4575% | 2,966 |
| Loan and lease loss provision to assets | 0.3106% | 1,289 |
| Net operating income to assets | 0.9413% | 2,557 |
| Return on assets (ROA) | 0.9413% | 2,687 |
| Pretax return on assets | 1.2224% | 2,310 |
| Return on Equity (ROE) | 8.3302% | 2,677 |
| Retained earnings to average equity (ytd only) | 1.9442% | 3,952 |
| Net charge-offs to loans | 0.1317% | 1,094 |
| Credit loss provision to net charge-offs | 316.3265% | 1,712 |
| Earnings coverage of net charge-offs (x) | 15.6082% | 2,094 |
| Efficiency ratio | 61.5833% | 3,141 |
| Assets per employee ($millions) | 5.4243% | 2,775 |
| Cash dividends to net income (ytd only)* | 76.6610% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5656% | 1,193 |
| Loan loss allowance to noncurrent loans | 72.3377% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 1.5421% | 545 |
| Noncurrent loans to loans | 2.1643% | 547 |
| Net loans and leases to total assets | 70.1337% | 1,928 |
| Net loans and leases to deposits | 80.5879% | 2,252 |
| Net loans and leases to core deposits | 85.6783% | 2,325 |
| Total domestic deposits to total assets | 87.0276% | 1,659 |
| Equity capital to assets | 10.7454% | 2,593 |
| Core capital (leverage) ratio | 10.9332% | 1,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4878% | 974 |
| Memoranda: | ||
| Average total assets | $332,575,000 | 2,109 |
| Average earning assets | $311,137,750 | 2,097 |
| Average equity | $37,581,250 | 2,101 |
| Average total loans | $248,041,000 | 1,933 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7391% | 4,008 |
| Cost of funding earning assets | 0.6888% | 2,455 |
| Net interest margin | 3.0502% | 4,010 |
| Noninterest income to average assets | 1.1562% | 746 |
| Noninterest expense to average assets | 2.4866% | 2,999 |
| Loan and lease loss provision to assets | 0.2915% | 1,475 |
| Net operating income to assets | 0.9463% | 2,510 |
| Return on assets (ROA) | 0.9463% | 2,641 |
| Pretax return on assets | 1.2286% | 2,261 |
| Return on Equity (ROE) | 8.2285% | 2,652 |
| Retained earnings to average equity (ytd only) | 1.8250% | 3,818 |
| Net charge-offs to loans | 0.1935% | 793 |
| Credit loss provision to net charge-offs | 198.7448% | 1,931 |
| Earnings coverage of net charge-offs (x) | 10.3640% | 2,159 |
| Efficiency ratio | 62.0616% | 3,114 |
| Assets per employee ($millions) | 5.1409% | 3,007 |
| Cash dividends to net income (ytd only)* | 77.8210% | 793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4430% | 1,440 |
| Loan loss allowance to noncurrent loans | 65.6385% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 1.6096% | 549 |
| Noncurrent loans to loans | 2.1984% | 578 |
| Net loans and leases to total assets | 72.1598% | 1,677 |
| Net loans and leases to deposits | 82.7468% | 2,116 |
| Net loans and leases to core deposits | 87.8114% | 2,262 |
| Total domestic deposits to total assets | 87.2055% | 1,543 |
| Equity capital to assets | 10.9451% | 2,395 |
| Core capital (leverage) ratio | 11.0398% | 1,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3686% | 996 |
| Memoranda: | ||
| Average total assets | $325,907,333 | 2,112 |
| Average earning assets | $304,566,000 | 2,107 |
| Average equity | $37,479,667 | 2,105 |
| Average total loans | $246,985,000 | 1,925 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9501% | 3,930 |
| Cost of funding earning assets | 0.7943% | 2,427 |
| Net interest margin | 3.1557% | 3,967 |
| Noninterest income to average assets | 0.9677% | 917 |
| Noninterest expense to average assets | 2.5682% | 3,080 |
| Loan and lease loss provision to assets | 0.2211% | 1,398 |
| Net operating income to assets | 0.8704% | 2,614 |
| Return on assets (ROA) | 0.8704% | 2,720 |
| Pretax return on assets | 1.1293% | 2,424 |
| Return on Equity (ROE) | 7.3749% | 2,788 |
| Retained earnings to average equity (ytd only) | 0.9526% | 3,755 |
| Net charge-offs to loans | -0.0458% | 4,610 |
| Credit loss provision to net charge-offs | -625.0000% | 3,443 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5384% | 3,024 |
| Assets per employee ($millions) | 4.5122% | 3,241 |
| Cash dividends to net income (ytd only)* | 87.0827% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4873% | 1,385 |
| Loan loss allowance to noncurrent loans | 66.9638% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 1.7296% | 553 |
| Noncurrent loans to loans | 2.2210% | 595 |
| Net loans and leases to total assets | 76.7168% | 1,182 |
| Net loans and leases to deposits | 89.0416% | 1,635 |
| Net loans and leases to core deposits | 94.6530% | 1,912 |
| Total domestic deposits to total assets | 86.1584% | 1,938 |
| Equity capital to assets | 12.0217% | 2,051 |
| Core capital (leverage) ratio | 11.8158% | 1,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5058% | 1,237 |
| Memoranda: | ||
| Average total assets | $316,642,500 | 2,116 |
| Average earning assets | $296,096,000 | 2,103 |
| Average equity | $37,370,000 | 2,099 |
| Average total loans | $244,385,500 | 1,903 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1202% | 3,997 |
| Cost of funding earning assets | 0.8403% | 2,486 |
| Net interest margin | 3.2799% | 4,025 |
| Noninterest income to average assets | 0.9724% | 1,030 |
| Noninterest expense to average assets | 2.4974% | 3,456 |
| Loan and lease loss provision to assets | 0.1578% | 1,332 |
| Net operating income to assets | 1.0664% | 2,593 |
| Return on assets (ROA) | 1.0664% | 2,686 |
| Pretax return on assets | 1.3909% | 2,193 |
| Return on Equity (ROE) | 9.1828% | 2,672 |
| Retained earnings to average equity (ytd only) | 2.3888% | 3,827 |
| Net charge-offs to loans | 0.0968% | 1,755 |
| Credit loss provision to net charge-offs | 202.4291% | 1,312 |
| Earnings coverage of net charge-offs (x) | 19.8664% | 1,970 |
| Efficiency ratio | 61.7239% | 3,420 |
| Assets per employee ($millions) | 4.9530% | 2,657 |
| Cash dividends to net income (ytd only)* | 73.9864% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7227% | 761 |
| Loan loss allowance to noncurrent loans | 72.5383% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 1.8233% | 472 |
| Noncurrent loans to loans | 2.3749% | 485 |
| Net loans and leases to total assets | 75.4499% | 1,514 |
| Net loans and leases to deposits | 87.6396% | 1,891 |
| Net loans and leases to core deposits | 93.4776% | 2,115 |
| Total domestic deposits to total assets | 86.0911% | 2,037 |
| Equity capital to assets | 11.5911% | 2,440 |
| Core capital (leverage) ratio | 11.7060% | 1,958 |
| Tier 1 risk-based capital ratio | 15.8980% | 2,443 |
| Total risk-based capital ratio | 17.1552% | 2,384 |
| Memoranda: | ||
| Average total assets | $316,848,800 | 2,056 |
| Average earning assets | $296,929,000 | 2,046 |
| Average equity | $36,797,200 | 2,058 |
| Average total loans | $255,225,200 | 1,799 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1802% | 3,962 |
| Cost of funding earning assets | 0.8331% | 2,549 |
| Net interest margin | 3.3471% | 3,995 |
| Noninterest income to average assets | 0.9464% | 1,051 |
| Noninterest expense to average assets | 2.5291% | 3,355 |
| Loan and lease loss provision to assets | 0.1796% | 1,017 |
| Net operating income to assets | 1.0617% | 2,731 |
| Return on assets (ROA) | 1.0617% | 2,811 |
| Pretax return on assets | 1.3731% | 2,411 |
| Return on Equity (ROE) | 9.1378% | 2,831 |
| Retained earnings to average equity (ytd only) | 2.2290% | 4,191 |
| Net charge-offs to loans | 0.1161% | 1,324 |
| Credit loss provision to net charge-offs | 189.7321% | 1,382 |
| Earnings coverage of net charge-offs (x) | 16.4062% | 2,142 |
| Efficiency ratio | 61.9605% | 3,333 |
| Assets per employee ($millions) | 4.3450% | 3,426 |
| Cash dividends to net income (ytd only)* | 75.6069% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6542% | 892 |
| Loan loss allowance to noncurrent loans | 97.0018% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 1.4055% | 824 |
| Noncurrent loans to loans | 1.7054% | 856 |
| Net loans and leases to total assets | 81.0556% | 702 |
| Net loans and leases to deposits | 95.1499% | 1,108 |
| Net loans and leases to core deposits | 101.1165% | 1,574 |
| Total domestic deposits to total assets | 85.1873% | 2,355 |
| Equity capital to assets | 12.0093% | 2,253 |
| Core capital (leverage) ratio | 11.8641% | 1,950 |
| Tier 1 risk-based capital ratio | 15.4347% | 2,657 |
| Total risk-based capital ratio | 16.6911% | 2,594 |
| Memoranda: | ||
| Average total assets | $315,574,500 | 2,076 |
| Average earning assets | $295,611,750 | 2,064 |
| Average equity | $36,667,250 | 2,080 |
| Average total loans | $257,240,000 | 1,803 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1516% | 4,045 |
| Cost of funding earning assets | 0.8193% | 2,556 |
| Net interest margin | 3.3323% | 4,073 |
| Noninterest income to average assets | 0.9279% | 1,015 |
| Noninterest expense to average assets | 2.5326% | 3,377 |
| Loan and lease loss provision to assets | 0.1887% | 941 |
| Net operating income to assets | 1.0348% | 2,786 |
| Return on assets (ROA) | 1.0348% | 2,862 |
| Pretax return on assets | 1.3355% | 2,424 |
| Return on Equity (ROE) | 9.0038% | 2,852 |
| Retained earnings to average equity (ytd only) | 1.8883% | 4,149 |
| Net charge-offs to loans | 0.1363% | 1,110 |
| Credit loss provision to net charge-offs | 170.4545% | 1,362 |
| Earnings coverage of net charge-offs (x) | 13.7670% | 2,077 |
| Efficiency ratio | 62.4283% | 3,362 |
| Assets per employee ($millions) | 4.5167% | 3,116 |
| Cash dividends to net income (ytd only)* | 79.0274% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6245% | 978 |
| Loan loss allowance to noncurrent loans | 93.6069% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 1.4030% | 851 |
| Noncurrent loans to loans | 1.7354% | 872 |
| Net loans and leases to total assets | 79.0854% | 1,028 |
| Net loans and leases to deposits | 93.2583% | 1,345 |
| Net loans and leases to core deposits | 98.5760% | 1,835 |
| Total domestic deposits to total assets | 84.8025% | 2,566 |
| Equity capital to assets | 11.6342% | 2,498 |
| Core capital (leverage) ratio | 11.3646% | 2,282 |
| Tier 1 risk-based capital ratio | 15.3628% | 2,673 |
| Total risk-based capital ratio | 16.6187% | 2,604 |
| Memoranda: | ||
| Average total assets | $317,935,000 | 2,062 |
| Average earning assets | $298,533,670 | 2,049 |
| Average equity | $36,540,330 | 2,079 |
| Average total loans | $258,234,330 | 1,803 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0790% | 4,185 |
| Cost of funding earning assets | 0.7664% | 2,703 |
| Net interest margin | 3.3126% | 4,134 |
| Noninterest income to average assets | 0.9071% | 1,027 |
| Noninterest expense to average assets | 2.5507% | 3,369 |
| Loan and lease loss provision to assets | 0.1882% | 872 |
| Net operating income to assets | 0.9987% | 2,846 |
| Return on assets (ROA) | 0.9987% | 2,884 |
| Pretax return on assets | 1.2810% | 2,526 |
| Return on Equity (ROE) | 8.7428% | 2,925 |
| Retained earnings to average equity (ytd only) | 1.0544% | 4,299 |
| Net charge-offs to loans | 0.0108% | 2,300 |
| Credit loss provision to net charge-offs | 2,142.8571% | 204 |
| Earnings coverage of net charge-offs (x) | 167.2857% | 458 |
| Efficiency ratio | 63.4519% | 3,327 |
| Assets per employee ($millions) | 4.6254% | 3,010 |
| Cash dividends to net income (ytd only)* | 87.9397% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6002% | 1,056 |
| Loan loss allowance to noncurrent loans | 103.3383% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 1.2397% | 1,073 |
| Noncurrent loans to loans | 1.5485% | 1,037 |
| Net loans and leases to total assets | 78.7808% | 1,021 |
| Net loans and leases to deposits | 92.3328% | 1,366 |
| Net loans and leases to core deposits | 98.4477% | 1,745 |
| Total domestic deposits to total assets | 85.3226% | 2,557 |
| Equity capital to assets | 11.2664% | 2,589 |
| Core capital (leverage) ratio | 11.4883% | 2,145 |
| Tier 1 risk-based capital ratio | 15.0533% | 2,872 |
| Total risk-based capital ratio | 16.3089% | 2,782 |
| Memoranda: | ||
| Average total assets | $318,817,000 | 2,067 |
| Average earning assets | $299,583,000 | 2,050 |
| Average equity | $36,418,500 | 2,078 |
| Average total loans | $260,264,500 | 1,805 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9994% | 4,029 |
| Cost of funding earning assets | 0.6093% | 2,652 |
| Net interest margin | 3.3901% | 4,023 |
| Noninterest income to average assets | 0.9890% | 965 |
| Noninterest expense to average assets | 2.4835% | 3,659 |
| Loan and lease loss provision to assets | 0.2566% | 665 |
| Net operating income to assets | 1.0949% | 2,619 |
| Return on assets (ROA) | 1.0949% | 2,618 |
| Pretax return on assets | 1.4127% | 2,092 |
| Return on Equity (ROE) | 9.5271% | 2,736 |
| Retained earnings to average equity (ytd only) | 3.1087% | 3,838 |
| Net charge-offs to loans | 0.0234% | 2,941 |
| Credit loss provision to net charge-offs | 1,290.3226% | 316 |
| Earnings coverage of net charge-offs (x) | 83.9516% | 838 |
| Efficiency ratio | 59.8038% | 3,891 |
| Assets per employee ($millions) | 4.5487% | 3,090 |
| Cash dividends to net income (ytd only)* | 67.3697% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5327% | 1,192 |
| Loan loss allowance to noncurrent loans | 100.5523% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 1.2690% | 1,010 |
| Noncurrent loans to loans | 1.5243% | 994 |
| Net loans and leases to total assets | 81.9806% | 652 |
| Net loans and leases to deposits | 96.4939% | 1,025 |
| Net loans and leases to core deposits | 103.4205% | 1,463 |
| Total domestic deposits to total assets | 84.9594% | 2,659 |
| Equity capital to assets | 11.5846% | 2,190 |
| Core capital (leverage) ratio | 11.6643% | 1,982 |
| Tier 1 risk-based capital ratio | 14.8423% | 2,911 |
| Total risk-based capital ratio | 16.0969% | 2,836 |
| Memoranda: | ||
| Average total assets | $311,816,400 | 2,081 |
| Average earning assets | $290,991,600 | 2,069 |
| Average equity | $35,834,600 | 2,041 |
| Average total loans | $264,878,600 | 1,758 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9702% | 4,022 |
| Cost of funding earning assets | 0.5712% | 2,696 |
| Net interest margin | 3.3990% | 4,008 |
| Noninterest income to average assets | 0.9829% | 988 |
| Noninterest expense to average assets | 2.5004% | 3,599 |
| Loan and lease loss provision to assets | 0.1713% | 1,085 |
| Net operating income to assets | 1.1508% | 2,432 |
| Return on assets (ROA) | 1.1508% | 2,443 |
| Pretax return on assets | 1.4789% | 1,973 |
| Return on Equity (ROE) | 10.0343% | 2,607 |
| Retained earnings to average equity (ytd only) | 3.6858% | 3,925 |
| Net charge-offs to loans | 0.0366% | 2,346 |
| Credit loss provision to net charge-offs | 547.9452% | 644 |
| Earnings coverage of net charge-offs (x) | 52.7813% | 1,138 |
| Efficiency ratio | 60.2415% | 3,787 |
| Assets per employee ($millions) | 4.4219% | 3,237 |
| Cash dividends to net income (ytd only)* | 63.2675% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3836% | 1,766 |
| Loan loss allowance to noncurrent loans | 330.6348% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 0.3615% | 3,224 |
| Noncurrent loans to loans | 0.4185% | 3,158 |
| Net loans and leases to total assets | 85.1934% | 342 |
| Net loans and leases to deposits | 101.0824% | 698 |
| Net loans and leases to core deposits | 107.7998% | 1,183 |
| Total domestic deposits to total assets | 84.2812% | 2,859 |
| Equity capital to assets | 12.0420% | 1,885 |
| Core capital (leverage) ratio | 11.8338% | 1,891 |
| Tier 1 risk-based capital ratio | 14.8980% | 2,930 |
| Total risk-based capital ratio | 16.1507% | 2,842 |
| Memoranda: | ||
| Average total assets | $311,306,250 | 2,099 |
| Average earning assets | $290,119,750 | 2,088 |
| Average equity | $35,703,500 | 2,055 |
| Average total loans | $265,771,500 | 1,758 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8973% | 4,088 |
| Cost of funding earning assets | 0.5402% | 2,686 |
| Net interest margin | 3.3571% | 4,084 |
| Noninterest income to average assets | 0.9573% | 1,034 |
| Noninterest expense to average assets | 2.4876% | 3,661 |
| Loan and lease loss provision to assets | 0.1906% | 915 |
| Net operating income to assets | 1.0920% | 2,614 |
| Return on assets (ROA) | 1.0920% | 2,621 |
| Pretax return on assets | 1.4096% | 2,110 |
| Return on Equity (ROE) | 9.6750% | 2,726 |
| Retained earnings to average equity (ytd only) | 2.9211% | 4,082 |
| Net charge-offs to loans | 0.0015% | 3,159 |
| Credit loss provision to net charge-offs | 15,000.0000% | 24 |
| Earnings coverage of net charge-offs (x) | 1,259.5000% | 59 |
| Efficiency ratio | 60.8547% | 3,787 |
| Assets per employee ($millions) | 4.5154% | 3,108 |
| Cash dividends to net income (ytd only)* | 69.8080% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3484% | 1,956 |
| Loan loss allowance to noncurrent loans | 415.9860% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.2711% | 3,681 |
| Noncurrent loans to loans | 0.3242% | 3,541 |
| Net loans and leases to total assets | 82.5161% | 649 |
| Net loans and leases to deposits | 97.1997% | 1,024 |
| Net loans and leases to core deposits | 103.3983% | 1,443 |
| Total domestic deposits to total assets | 84.8933% | 2,712 |
| Equity capital to assets | 11.3139% | 2,350 |
| Core capital (leverage) ratio | 11.3261% | 2,229 |
| Tier 1 risk-based capital ratio | 14.4428% | 3,143 |
| Total risk-based capital ratio | 15.6953% | 3,054 |
| Memoranda: | ||
| Average total assets | $314,845,000 | 2,096 |
| Average earning assets | $293,585,330 | 2,079 |
| Average equity | $35,535,000 | 2,066 |
| Average total loans | $267,774,670 | 1,744 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8478% | 4,090 |
| Cost of funding earning assets | 0.4956% | 2,830 |
| Net interest margin | 3.3521% | 4,044 |
| Noninterest income to average assets | 0.9293% | 1,074 |
| Noninterest expense to average assets | 2.5141% | 3,600 |
| Loan and lease loss provision to assets | 0.1909% | 882 |
| Net operating income to assets | 1.0375% | 2,699 |
| Return on assets (ROA) | 1.0375% | 2,716 |
| Pretax return on assets | 1.3493% | 2,187 |
| Return on Equity (ROE) | 9.2033% | 2,804 |
| Retained earnings to average equity (ytd only) | 3.5571% | 3,782 |
| Net charge-offs to loans | 0.0148% | 2,229 |
| Credit loss provision to net charge-offs | 1,500.0000% | 238 |
| Earnings coverage of net charge-offs (x) | 121.0000% | 522 |
| Efficiency ratio | 62.0094% | 3,781 |
| Assets per employee ($millions) | 4.5981% | 2,998 |
| Cash dividends to net income (ytd only)* | 61.3497% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2776% | 2,351 |
| Loan loss allowance to noncurrent loans | 211.3524% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 0.5156% | 2,804 |
| Noncurrent loans to loans | 0.6045% | 2,737 |
| Net loans and leases to total assets | 84.2016% | 421 |
| Net loans and leases to deposits | 100.1179% | 701 |
| Net loans and leases to core deposits | 105.5346% | 1,276 |
| Total domestic deposits to total assets | 84.1025% | 3,283 |
| Equity capital to assets | 11.3736% | 2,236 |
| Core capital (leverage) ratio | 11.4839% | 2,022 |
| Tier 1 risk-based capital ratio | 14.1683% | 3,293 |
| Total risk-based capital ratio | 15.4195% | 3,214 |
| Memoranda: | ||
| Average total assets | $314,228,000 | 2,114 |
| Average earning assets | $292,949,500 | 2,111 |
| Average equity | $35,422,000 | 2,077 |
| Average total loans | $269,471,500 | 1,743 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8390% | 3,915 |
| Cost of funding earning assets | 0.4218% | 3,037 |
| Net interest margin | 3.4172% | 3,799 |
| Noninterest income to average assets | 0.9678% | 1,099 |
| Noninterest expense to average assets | 2.4440% | 3,958 |
| Loan and lease loss provision to assets | 0.1821% | 1,175 |
| Net operating income to assets | 0.9352% | 2,518 |
| Return on assets (ROA) | 0.9352% | 2,557 |
| Pretax return on assets | 1.5050% | 1,626 |
| Return on Equity (ROE) | 8.4147% | 2,596 |
| Retained earnings to average equity (ytd only) | 4.1024% | 2,705 |
| Net charge-offs to loans | 0.1314% | 1,741 |
| Credit loss provision to net charge-offs | 162.8571% | 1,647 |
| Earnings coverage of net charge-offs (x) | 15.0857% | 2,270 |
| Efficiency ratio | 59.1616% | 4,390 |
| Assets per employee ($millions) | 4.7132% | 2,847 |
| Cash dividends to net income (ytd only)* | 51.2470% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1999% | 2,777 |
| Loan loss allowance to noncurrent loans | 276.6300% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.3740% | 3,366 |
| Noncurrent loans to loans | 0.4338% | 3,229 |
| Net loans and leases to total assets | 85.1830% | 325 |
| Net loans and leases to deposits | 101.0363% | 660 |
| Net loans and leases to core deposits | 105.7928% | 1,275 |
| Total domestic deposits to total assets | 84.3093% | 3,094 |
| Equity capital to assets | 11.1728% | 2,459 |
| Core capital (leverage) ratio | 11.1725% | 2,177 |
| Tier 1 risk-based capital ratio | 13.7762% | 3,483 |
| Total risk-based capital ratio | 15.0267% | 3,398 |
| Memoranda: | ||
| Average total assets | $312,966,800 | 2,100 |
| Average earning assets | $289,708,200 | 2,100 |
| Average equity | $34,784,400 | 2,094 |
| Average total loans | $266,329,200 | 1,730 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8212% | 3,935 |
| Cost of funding earning assets | 0.4058% | 3,124 |
| Net interest margin | 3.4154% | 3,793 |
| Noninterest income to average assets | 0.9667% | 1,099 |
| Noninterest expense to average assets | 2.4496% | 3,887 |
| Loan and lease loss provision to assets | 0.1793% | 1,118 |
| Net operating income to assets | 0.9932% | 2,583 |
| Return on assets (ROA) | 0.9932% | 2,636 |
| Pretax return on assets | 1.4927% | 1,795 |
| Return on Equity (ROE) | 8.9477% | 2,634 |
| Retained earnings to average equity (ytd only) | 5.1009% | 2,807 |
| Net charge-offs to loans | 0.1158% | 1,633 |
| Credit loss provision to net charge-offs | 182.6087% | 1,449 |
| Earnings coverage of net charge-offs (x) | 17.0260% | 2,133 |
| Efficiency ratio | 59.4323% | 4,301 |
| Assets per employee ($millions) | 4.5002% | 3,144 |
| Cash dividends to net income (ytd only)* | 42.9922% | 2,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2207% | 2,802 |
| Loan loss allowance to noncurrent loans | 220.6544% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 0.4865% | 3,109 |
| Noncurrent loans to loans | 0.5532% | 3,037 |
| Net loans and leases to total assets | 86.8743% | 208 |
| Net loans and leases to deposits | 102.8071% | 561 |
| Net loans and leases to core deposits | 107.6560% | 1,158 |
| Total domestic deposits to total assets | 84.5023% | 2,917 |
| Equity capital to assets | 11.6843% | 2,204 |
| Core capital (leverage) ratio | 11.4176% | 2,083 |
| Tier 1 risk-based capital ratio | 14.1625% | 3,369 |
| Total risk-based capital ratio | 15.4131% | 3,271 |
| Memoranda: | ||
| Average total assets | $312,262,250 | 2,116 |
| Average earning assets | $288,453,500 | 2,118 |
| Average equity | $34,660,000 | 2,113 |
| Average total loans | $264,846,000 | 1,746 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7714% | 3,995 |
| Cost of funding earning assets | 0.3902% | 3,176 |
| Net interest margin | 3.3812% | 3,835 |
| Noninterest income to average assets | 0.9695% | 1,090 |
| Noninterest expense to average assets | 2.4449% | 3,929 |
| Loan and lease loss provision to assets | 0.1710% | 1,143 |
| Net operating income to assets | 0.9745% | 2,550 |
| Return on assets (ROA) | 0.9745% | 2,596 |
| Pretax return on assets | 1.4646% | 1,781 |
| Return on Equity (ROE) | 8.9295% | 2,541 |
| Retained earnings to average equity (ytd only) | 6.0284% | 2,098 |
| Net charge-offs to loans | 0.1420% | 1,306 |
| Credit loss provision to net charge-offs | 143.6170% | 1,560 |
| Earnings coverage of net charge-offs (x) | 13.7394% | 2,115 |
| Efficiency ratio | 59.9162% | 4,327 |
| Assets per employee ($millions) | 4.5031% | 3,101 |
| Cash dividends to net income (ytd only)* | 32.4886% | 2,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1734% | 3,177 |
| Loan loss allowance to noncurrent loans | 225.4323% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 0.4281% | 3,396 |
| Noncurrent loans to loans | 0.5205% | 3,192 |
| Net loans and leases to total assets | 81.2833% | 773 |
| Net loans and leases to deposits | 96.4299% | 1,038 |
| Net loans and leases to core deposits | 100.2381% | 1,636 |
| Total domestic deposits to total assets | 84.2926% | 3,090 |
| Equity capital to assets | 10.7787% | 3,049 |
| Core capital (leverage) ratio | 10.9850% | 2,425 |
| Tier 1 risk-based capital ratio | 13.7665% | 3,559 |
| Total risk-based capital ratio | 15.0012% | 3,477 |
| Memoranda: | ||
| Average total assets | $315,844,670 | 2,102 |
| Average earning assets | $290,607,330 | 2,110 |
| Average equity | $34,470,000 | 2,115 |
| Average total loans | $264,736,000 | 1,743 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6793% | 4,172 |
| Cost of funding earning assets | 0.3857% | 3,134 |
| Net interest margin | 3.2936% | 4,027 |
| Noninterest income to average assets | 0.9690% | 1,064 |
| Noninterest expense to average assets | 2.5053% | 3,792 |
| Loan and lease loss provision to assets | 0.1540% | 1,190 |
| Net operating income to assets | 0.9023% | 2,751 |
| Return on assets (ROA) | 0.9023% | 2,807 |
| Pretax return on assets | 1.3566% | 2,040 |
| Return on Equity (ROE) | 8.2147% | 2,801 |
| Retained earnings to average equity (ytd only) | 8.2147% | 1,368 |
| Net charge-offs to loans | 0.2548% | 711 |
| Credit loss provision to net charge-offs | 71.4286% | 1,823 |
| Earnings coverage of net charge-offs (x) | 7.0060% | 2,176 |
| Efficiency ratio | 62.3841% | 4,097 |
| Assets per employee ($millions) | 4.2886% | 3,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1138% | 3,632 |
| Loan loss allowance to noncurrent loans | 214.0614% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 0.4647% | 3,348 |
| Noncurrent loans to loans | 0.5203% | 3,259 |
| Net loans and leases to total assets | 87.4424% | 135 |
| Net loans and leases to deposits | 104.2359% | 391 |
| Net loans and leases to core deposits | 107.4683% | 1,000 |
| Total domestic deposits to total assets | 83.8890% | 3,519 |
| Equity capital to assets | 11.3609% | 2,295 |
| Core capital (leverage) ratio | 10.9383% | 2,426 |
| Tier 1 risk-based capital ratio | 13.5144% | 3,774 |
| Total risk-based capital ratio | 14.6875% | 3,731 |
| Memoranda: | ||
| Average total assets | $311,655,000 | 2,141 |
| Average earning assets | $288,317,500 | 2,141 |
| Average equity | $34,231,500 | 2,132 |
| Average total loans | $263,769,500 | 1,760 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6407% | 4,402 |
| Cost of funding earning assets | 0.3795% | 3,212 |
| Net interest margin | 3.2612% | 4,260 |
| Noninterest income to average assets | 1.1287% | 900 |
| Noninterest expense to average assets | 3.9855% | 613 |
| Loan and lease loss provision to assets | 0.1440% | 1,738 |
| Net operating income to assets | 0.0695% | 5,593 |
| Return on assets (ROA) | 0.0695% | 5,620 |
| Pretax return on assets | 0.0224% | 5,642 |
| Return on Equity (ROE) | 0.6161% | 5,613 |
| Retained earnings to average equity (ytd only) | -2.2231% | 5,551 |
| Net charge-offs to loans | 0.2382% | 1,172 |
| Credit loss provision to net charge-offs | 75.6303% | 3,046 |
| Earnings coverage of net charge-offs (x) | 0.8739% | 4,069 |
| Efficiency ratio | 95.9911% | 314 |
| Assets per employee ($millions) | 4.7585% | 2,712 |
| Cash dividends to net income (ytd only)* | 460.8295% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1797% | 3,241 |
| Loan loss allowance to noncurrent loans | 162.8541% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 0.6010% | 2,927 |
| Noncurrent loans to loans | 0.7244% | 2,723 |
| Net loans and leases to total assets | 80.0575% | 891 |
| Net loans and leases to deposits | 96.3075% | 965 |
| Net loans and leases to core deposits | 99.7635% | 1,640 |
| Total domestic deposits to total assets | 83.1270% | 3,728 |
| Equity capital to assets | 10.6236% | 3,012 |
| Core capital (leverage) ratio | 10.6478% | 2,722 |
| Tier 1 risk-based capital ratio | 13.7371% | 3,619 |
| Total risk-based capital ratio | 14.9737% | 3,538 |
| Memoranda: | ||
| Average total assets | $312,404,400 | 2,103 |
| Average earning assets | $289,617,200 | 2,104 |
| Average equity | $35,221,600 | 2,062 |
| Average total loans | $249,833,400 | 1,794 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6384% | 4,437 |
| Cost of funding earning assets | 0.3777% | 3,250 |
| Net interest margin | 3.2608% | 4,309 |
| Noninterest income to average assets | 0.9914% | 1,162 |
| Noninterest expense to average assets | 2.4525% | 4,125 |
| Loan and lease loss provision to assets | 0.0965% | 2,296 |
| Net operating income to assets | 0.9755% | 2,544 |
| Return on assets (ROA) | 0.9755% | 2,671 |
| Pretax return on assets | 1.4684% | 1,815 |
| Return on Equity (ROE) | 8.5263% | 2,749 |
| Retained earnings to average equity (ytd only) | 5.9017% | 2,239 |
| Net charge-offs to loans | 0.2697% | 856 |
| Credit loss provision to net charge-offs | 44.9102% | 3,098 |
| Earnings coverage of net charge-offs (x) | 7.2815% | 2,896 |
| Efficiency ratio | 61.0464% | 4,381 |
| Assets per employee ($millions) | 4.9091% | 2,478 |
| Cash dividends to net income (ytd only)* | 30.7828% | 2,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1591% | 3,490 |
| Loan loss allowance to noncurrent loans | 128.9125% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 0.7867% | 2,585 |
| Noncurrent loans to loans | 0.8992% | 2,452 |
| Net loans and leases to total assets | 80.3978% | 835 |
| Net loans and leases to deposits | 96.5804% | 989 |
| Net loans and leases to core deposits | 100.2520% | 1,611 |
| Total domestic deposits to total assets | 83.2444% | 3,500 |
| Equity capital to assets | 11.7458% | 2,306 |
| Core capital (leverage) ratio | 11.5086% | 2,026 |
| Tier 1 risk-based capital ratio | 15.1117% | 2,992 |
| Total risk-based capital ratio | 16.3288% | 2,951 |
| Memoranda: | ||
| Average total assets | $310,801,250 | 2,113 |
| Average earning assets | $288,433,000 | 2,119 |
| Average equity | $35,559,500 | 2,060 |
| Average total loans | $247,720,750 | 1,807 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6336% | 4,494 |
| Cost of funding earning assets | 0.3741% | 3,313 |
| Net interest margin | 3.2596% | 4,350 |
| Noninterest income to average assets | 0.9572% | 1,223 |
| Noninterest expense to average assets | 2.4445% | 4,204 |
| Loan and lease loss provision to assets | 0.0964% | 2,229 |
| Net operating income to assets | 0.9585% | 2,588 |
| Return on assets (ROA) | 0.9585% | 2,732 |
| Pretax return on assets | 1.4449% | 1,856 |
| Return on Equity (ROE) | 8.4524% | 2,768 |
| Retained earnings to average equity (ytd only) | 6.1863% | 2,025 |
| Net charge-offs to loans | 0.1388% | 1,492 |
| Credit loss provision to net charge-offs | 87.7193% | 2,275 |
| Earnings coverage of net charge-offs (x) | 14.0292% | 2,081 |
| Efficiency ratio | 61.3314% | 4,455 |
| Assets per employee ($millions) | 4.8353% | 2,509 |
| Cash dividends to net income (ytd only)* | 26.8097% | 2,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2844% | 2,877 |
| Loan loss allowance to noncurrent loans | 200.3790% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 0.5496% | 3,377 |
| Noncurrent loans to loans | 0.6410% | 3,155 |
| Net loans and leases to total assets | 76.3896% | 1,431 |
| Net loans and leases to deposits | 90.7883% | 1,655 |
| Net loans and leases to core deposits | 94.2138% | 2,145 |
| Total domestic deposits to total assets | 84.1403% | 3,216 |
| Equity capital to assets | 11.2384% | 2,809 |
| Core capital (leverage) ratio | 11.2810% | 2,163 |
| Tier 1 risk-based capital ratio | 15.2425% | 2,966 |
| Total risk-based capital ratio | 16.4939% | 2,903 |
| Memoranda: | ||
| Average total assets | $311,309,670 | 2,119 |
| Average earning assets | $289,241,670 | 2,116 |
| Average equity | $35,303,670 | 2,074 |
| Average total loans | $246,438,670 | 1,818 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7091% | 4,288 |
| Cost of funding earning assets | 0.3758% | 3,344 |
| Net interest margin | 3.3333% | 4,099 |
| Noninterest income to average assets | 0.9174% | 1,272 |
| Noninterest expense to average assets | 2.4802% | 4,129 |
| Loan and lease loss provision to assets | 0.0976% | 2,066 |
| Net operating income to assets | 0.9473% | 2,520 |
| Return on assets (ROA) | 0.9473% | 2,637 |
| Pretax return on assets | 1.4327% | 1,798 |
| Return on Equity (ROE) | 8.3145% | 2,753 |
| Retained earnings to average equity (ytd only) | 6.0303% | 2,358 |
| Net charge-offs to loans | 0.0829% | 1,666 |
| Credit loss provision to net charge-offs | 147.0588% | 1,288 |
| Earnings coverage of net charge-offs (x) | 23.0588% | 1,381 |
| Efficiency ratio | 61.8430% | 4,470 |
| Assets per employee ($millions) | 4.6742% | 2,787 |
| Cash dividends to net income (ytd only)* | 27.4725% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3085% | 2,859 |
| Loan loss allowance to noncurrent loans | 389.8182% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.2820% | 4,433 |
| Noncurrent loans to loans | 0.3357% | 4,232 |
| Net loans and leases to total assets | 78.6304% | 1,008 |
| Net loans and leases to deposits | 93.9364% | 1,151 |
| Net loans and leases to core deposits | 97.1275% | 1,696 |
| Total domestic deposits to total assets | 83.7060% | 3,632 |
| Equity capital to assets | 11.4443% | 2,490 |
| Core capital (leverage) ratio | 11.3825% | 2,065 |
| Tier 1 risk-based capital ratio | 15.0905% | 3,115 |
| Total risk-based capital ratio | 16.3421% | 3,052 |
| Memoranda: | ||
| Average total assets | $307,399,500 | 2,144 |
| Average earning assets | $285,243,500 | 2,152 |
| Average equity | $35,023,000 | 2,083 |
| Average total loans | $246,181,000 | 1,823 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7622% | 4,158 |
| Cost of funding earning assets | 0.3934% | 3,225 |
| Net interest margin | 3.3687% | 4,042 |
| Noninterest income to average assets | 0.9813% | 1,224 |
| Noninterest expense to average assets | 2.4890% | 4,256 |
| Loan and lease loss provision to assets | 0.0329% | 3,710 |
| Net operating income to assets | 1.0359% | 2,188 |
| Return on assets (ROA) | 1.0359% | 2,274 |
| Pretax return on assets | 1.5791% | 1,314 |
| Return on Equity (ROE) | 9.2588% | 2,339 |
| Retained earnings to average equity (ytd only) | 4.2620% | 2,947 |
| Net charge-offs to loans | 0.1291% | 2,084 |
| Credit loss provision to net charge-offs | 31.6456% | 3,628 |
| Earnings coverage of net charge-offs (x) | 15.5127% | 2,198 |
| Efficiency ratio | 60.6928% | 4,804 |
| Assets per employee ($millions) | 4.5045% | 3,044 |
| Cash dividends to net income (ytd only)* | 53.9683% | 2,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2945% | 2,939 |
| Loan loss allowance to noncurrent loans | 427.3092% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.2586% | 4,555 |
| Noncurrent loans to loans | 0.3029% | 4,370 |
| Net loans and leases to total assets | 79.4581% | 925 |
| Net loans and leases to deposits | 94.3883% | 1,164 |
| Net loans and leases to core deposits | 97.5292% | 1,713 |
| Total domestic deposits to total assets | 84.1821% | 3,410 |
| Equity capital to assets | 11.3420% | 2,504 |
| Core capital (leverage) ratio | 11.0389% | 2,365 |
| Tier 1 risk-based capital ratio | 14.8441% | 3,248 |
| Total risk-based capital ratio | 16.0957% | 3,186 |
| Memoranda: | ||
| Average total assets | $304,092,200 | 2,125 |
| Average earning assets | $281,620,000 | 2,127 |
| Average equity | $34,021,600 | 2,095 |
| Average total loans | $244,835,400 | 1,760 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7385% | 4,298 |
| Cost of funding earning assets | 0.3953% | 3,271 |
| Net interest margin | 3.3433% | 4,166 |
| Noninterest income to average assets | 0.9769% | 1,238 |
| Noninterest expense to average assets | 2.4655% | 4,297 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0492% | 2,220 |
| Return on assets (ROA) | 1.0472% | 2,330 |
| Pretax return on assets | 1.6068% | 1,361 |
| Return on Equity (ROE) | 9.3925% | 2,356 |
| Retained earnings to average equity (ytd only) | 4.3692% | 3,364 |
| Net charge-offs to loans | 0.0884% | 2,281 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 22.6239% | 1,770 |
| Efficiency ratio | 60.4980% | 4,816 |
| Assets per employee ($millions) | 4.3064% | 3,310 |
| Cash dividends to net income (ytd only)* | 53.4816% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2995% | 3,097 |
| Loan loss allowance to noncurrent loans | 342.7666% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 0.3526% | 4,362 |
| Noncurrent loans to loans | 0.3791% | 4,253 |
| Net loans and leases to total assets | 81.7872% | 600 |
| Net loans and leases to deposits | 98.4247% | 783 |
| Net loans and leases to core deposits | 101.1612% | 1,432 |
| Total domestic deposits to total assets | 83.0963% | 3,781 |
| Equity capital to assets | 11.4126% | 2,571 |
| Core capital (leverage) ratio | 11.4521% | 2,074 |
| Tier 1 risk-based capital ratio | 14.4517% | 3,605 |
| Total risk-based capital ratio | 15.7030% | 3,514 |
| Memoranda: | ||
| Average total assets | $303,539,000 | 2,142 |
| Average earning assets | $281,315,500 | 2,140 |
| Average equity | $33,841,750 | 2,111 |
| Average total loans | $244,400,250 | 1,772 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6993% | 4,412 |
| Cost of funding earning assets | 0.3973% | 3,304 |
| Net interest margin | 3.3020% | 4,293 |
| Noninterest income to average assets | 0.9591% | 1,281 |
| Noninterest expense to average assets | 2.4343% | 4,453 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0328% | 2,211 |
| Return on assets (ROA) | 1.0328% | 2,332 |
| Pretax return on assets | 1.5843% | 1,378 |
| Return on Equity (ROE) | 9.3360% | 2,370 |
| Retained earnings to average equity (ytd only) | 4.2847% | 3,295 |
| Net charge-offs to loans | 0.0725% | 2,350 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 27.3864% | 1,451 |
| Efficiency ratio | 60.5758% | 4,900 |
| Assets per employee ($millions) | 4.3169% | 3,272 |
| Cash dividends to net income (ytd only)* | 54.1057% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3567% | 2,952 |
| Loan loss allowance to noncurrent loans | 344.3983% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 0.3341% | 4,542 |
| Noncurrent loans to loans | 0.3939% | 4,300 |
| Net loans and leases to total assets | 78.7576% | 969 |
| Net loans and leases to deposits | 93.2941% | 1,221 |
| Net loans and leases to core deposits | 95.6982% | 1,830 |
| Total domestic deposits to total assets | 84.4186% | 3,392 |
| Equity capital to assets | 11.0917% | 2,791 |
| Core capital (leverage) ratio | 11.0362% | 2,388 |
| Tier 1 risk-based capital ratio | 14.6133% | 3,573 |
| Total risk-based capital ratio | 15.8655% | 3,499 |
| Memoranda: | ||
| Average total assets | $304,236,000 | 2,155 |
| Average earning assets | $281,890,000 | 2,152 |
| Average equity | $33,654,670 | 2,125 |
| Average total loans | $242,603,000 | 1,792 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7030% | 4,349 |
| Cost of funding earning assets | 0.3929% | 3,377 |
| Net interest margin | 3.3101% | 4,173 |
| Noninterest income to average assets | 0.9000% | 1,385 |
| Noninterest expense to average assets | 2.3807% | 4,649 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0346% | 2,098 |
| Return on assets (ROA) | 1.0346% | 2,250 |
| Pretax return on assets | 1.5876% | 1,300 |
| Return on Equity (ROE) | 9.3657% | 2,276 |
| Retained earnings to average equity (ytd only) | 4.2886% | 3,442 |
| Net charge-offs to loans | 0.0662% | 2,075 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 30.0750% | 1,148 |
| Efficiency ratio | 59.9933% | 5,088 |
| Assets per employee ($millions) | 4.3468% | 3,294 |
| Cash dividends to net income (ytd only)* | 54.2092% | 1,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3913% | 2,956 |
| Loan loss allowance to noncurrent loans | 300.4460% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 0.3881% | 4,472 |
| Noncurrent loans to loans | 0.4631% | 4,192 |
| Net loans and leases to total assets | 78.4490% | 864 |
| Net loans and leases to deposits | 93.6943% | 1,016 |
| Net loans and leases to core deposits | 96.6260% | 1,578 |
| Total domestic deposits to total assets | 83.7287% | 3,919 |
| Equity capital to assets | 11.0701% | 2,897 |
| Core capital (leverage) ratio | 11.0527% | 2,361 |
| Tier 1 risk-based capital ratio | 14.5034% | 3,717 |
| Total risk-based capital ratio | 15.7557% | 3,644 |
| Memoranda: | ||
| Average total assets | $303,104,000 | 2,180 |
| Average earning assets | $280,961,500 | 2,169 |
| Average equity | $33,484,000 | 2,148 |
| Average total loans | $241,548,500 | 1,797 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6734% | 4,872 |
| Cost of funding earning assets | 0.4393% | 3,282 |
| Net interest margin | 3.2341% | 4,817 |
| Noninterest income to average assets | 0.9718% | 1,283 |
| Noninterest expense to average assets | 2.3461% | 4,983 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0457% | 2,187 |
| Return on assets (ROA) | 1.0461% | 2,255 |
| Pretax return on assets | 1.6109% | 1,206 |
| Return on Equity (ROE) | 9.8040% | 2,200 |
| Retained earnings to average equity (ytd only) | 5.1824% | 2,477 |
| Net charge-offs to loans | -0.1848% | 6,248 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2987% | 5,307 |
| Assets per employee ($millions) | 4.3133% | 3,342 |
| Cash dividends to net income (ytd only)* | 47.1402% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4140% | 2,890 |
| Loan loss allowance to noncurrent loans | 379.9331% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 0.3170% | 4,779 |
| Noncurrent loans to loans | 0.3722% | 4,535 |
| Net loans and leases to total assets | 78.6997% | 918 |
| Net loans and leases to deposits | 92.4505% | 1,240 |
| Net loans and leases to core deposits | 96.4915% | 1,681 |
| Total domestic deposits to total assets | 85.1264% | 3,236 |
| Equity capital to assets | 11.0237% | 2,872 |
| Core capital (leverage) ratio | 10.9105% | 2,486 |
| Tier 1 risk-based capital ratio | 14.7859% | 3,607 |
| Total risk-based capital ratio | 16.0394% | 3,541 |
| Memoranda: | ||
| Average total assets | $304,170,400 | 2,137 |
| Average earning assets | $280,697,200 | 2,119 |
| Average equity | $32,456,200 | 2,143 |
| Average total loans | $234,841,200 | 1,792 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6596% | 4,974 |
| Cost of funding earning assets | 0.4466% | 3,290 |
| Net interest margin | 3.2129% | 4,922 |
| Noninterest income to average assets | 0.9740% | 1,300 |
| Noninterest expense to average assets | 2.2997% | 5,106 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0635% | 2,181 |
| Return on assets (ROA) | 1.0641% | 2,243 |
| Pretax return on assets | 1.6368% | 1,219 |
| Return on Equity (ROE) | 10.0548% | 2,195 |
| Retained earnings to average equity (ytd only) | 5.6103% | 2,663 |
| Net charge-offs to loans | -0.2743% | 6,375 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4325% | 5,388 |
| Assets per employee ($millions) | 4.3287% | 3,252 |
| Cash dividends to net income (ytd only)* | 44.2023% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4654% | 2,876 |
| Loan loss allowance to noncurrent loans | 437.2152% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 0.2888% | 5,112 |
| Noncurrent loans to loans | 0.3352% | 4,896 |
| Net loans and leases to total assets | 78.8994% | 849 |
| Net loans and leases to deposits | 93.2497% | 1,100 |
| Net loans and leases to core deposits | 96.9634% | 1,597 |
| Total domestic deposits to total assets | 84.6109% | 3,495 |
| Equity capital to assets | 11.1910% | 2,769 |
| Core capital (leverage) ratio | 10.8327% | 2,660 |
| Tier 1 risk-based capital ratio | 14.8611% | 3,671 |
| Total risk-based capital ratio | 16.1149% | 3,603 |
| Memoranda: | ||
| Average total assets | $304,730,500 | 2,145 |
| Average earning assets | $280,901,500 | 2,137 |
| Average equity | $32,249,250 | 2,159 |
| Average total loans | $233,295,000 | 1,810 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5957% | 5,161 |
| Cost of funding earning assets | 0.4493% | 3,334 |
| Net interest margin | 3.1464% | 5,104 |
| Noninterest income to average assets | 0.9410% | 1,359 |
| Noninterest expense to average assets | 2.2674% | 5,236 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0226% | 2,238 |
| Return on assets (ROA) | 1.0234% | 2,298 |
| Pretax return on assets | 1.5744% | 1,321 |
| Return on Equity (ROE) | 9.8505% | 2,224 |
| Retained earnings to average equity (ytd only) | 5.7904% | 2,455 |
| Net charge-offs to loans | -0.4499% | 6,498 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0402% | 5,425 |
| Assets per employee ($millions) | 4.6453% | 2,705 |
| Cash dividends to net income (ytd only)* | 41.2175% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4851% | 2,971 |
| Loan loss allowance to noncurrent loans | 379.6960% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 0.2959% | 5,180 |
| Noncurrent loans to loans | 0.3911% | 4,820 |
| Net loans and leases to total assets | 74.5327% | 1,375 |
| Net loans and leases to deposits | 87.0092% | 1,704 |
| Net loans and leases to core deposits | 90.5829% | 2,070 |
| Total domestic deposits to total assets | 85.6606% | 3,210 |
| Equity capital to assets | 10.4433% | 3,509 |
| Core capital (leverage) ratio | 10.4336% | 3,037 |
| Tier 1 risk-based capital ratio | 14.5559% | 3,893 |
| Total risk-based capital ratio | 15.8097% | 3,836 |
| Memoranda: | ||
| Average total assets | $308,190,000 | 2,116 |
| Average earning assets | $284,002,670 | 2,107 |
| Average equity | $32,018,670 | 2,156 |
| Average total loans | $232,494,670 | 1,806 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6042% | 5,155 |
| Cost of funding earning assets | 0.4620% | 3,292 |
| Net interest margin | 3.1422% | 5,113 |
| Noninterest income to average assets | 0.9600% | 1,230 |
| Noninterest expense to average assets | 2.2943% | 5,208 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0209% | 2,126 |
| Return on assets (ROA) | 1.0226% | 2,185 |
| Pretax return on assets | 1.5600% | 1,264 |
| Return on Equity (ROE) | 9.8689% | 2,091 |
| Retained earnings to average equity (ytd only) | 6.7219% | 2,183 |
| Net charge-offs to loans | 0.0035% | 3,604 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 597.0000% | 56 |
| Efficiency ratio | 59.5665% | 5,460 |
| Assets per employee ($millions) | 4.5357% | 2,920 |
| Cash dividends to net income (ytd only)* | 31.8878% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2888% | 4,183 |
| Loan loss allowance to noncurrent loans | 72.1885% | 4,433 |
| Noncurrent assets plus other real estate owned to assets | 1.3348% | 2,652 |
| Noncurrent loans to loans | 1.7854% | 2,158 |
| Net loans and leases to total assets | 73.8021% | 1,303 |
| Net loans and leases to deposits | 85.9812% | 1,609 |
| Net loans and leases to core deposits | 89.7094% | 1,935 |
| Total domestic deposits to total assets | 85.8352% | 3,442 |
| Equity capital to assets | 10.4012% | 3,348 |
| Core capital (leverage) ratio | 10.3578% | 3,107 |
| Tier 1 risk-based capital ratio | 14.3804% | 4,077 |
| Total risk-based capital ratio | 15.6316% | 4,035 |
| Memoranda: | ||
| Average total assets | $306,668,000 | 2,135 |
| Average earning assets | $282,223,500 | 2,129 |
| Average equity | $31,776,500 | 2,168 |
| Average total loans | $231,008,000 | 1,815 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6162% | 5,367 |
| Cost of funding earning assets | 0.5750% | 2,886 |
| Net interest margin | 3.0412% | 5,478 |
| Noninterest income to average assets | 0.9076% | 1,653 |
| Noninterest expense to average assets | 2.3548% | 5,217 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8925% | 2,819 |
| Return on assets (ROA) | 0.8967% | 2,891 |
| Pretax return on assets | 1.3594% | 1,935 |
| Return on Equity (ROE) | 8.7334% | 2,685 |
| Retained earnings to average equity (ytd only) | 3.1000% | 4,028 |
| Net charge-offs to loans | 0.0790% | 4,115 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 23.5287% | 1,407 |
| Efficiency ratio | 63.5083% | 4,986 |
| Assets per employee ($millions) | 4.3559% | 3,162 |
| Cash dividends to net income (ytd only)* | 64.5042% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2851% | 4,211 |
| Loan loss allowance to noncurrent loans | 70.0259% | 4,475 |
| Noncurrent assets plus other real estate owned to assets | 1.3929% | 2,659 |
| Noncurrent loans to loans | 1.8352% | 2,190 |
| Net loans and leases to total assets | 74.9221% | 1,232 |
| Net loans and leases to deposits | 87.4926% | 1,519 |
| Net loans and leases to core deposits | 91.0100% | 1,905 |
| Total domestic deposits to total assets | 85.6325% | 3,443 |
| Equity capital to assets | 10.3221% | 3,377 |
| Core capital (leverage) ratio | 10.3992% | 3,024 |
| Tier 1 risk-based capital ratio | 14.0878% | 4,236 |
| Total risk-based capital ratio | 15.3388% | 4,177 |
| Memoranda: | ||
| Average total assets | $302,567,200 | 2,131 |
| Average earning assets | $278,608,800 | 2,125 |
| Average equity | $31,064,600 | 2,187 |
| Average total loans | $220,362,200 | 1,859 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5736% | 5,516 |
| Cost of funding earning assets | 0.5891% | 2,909 |
| Net interest margin | 2.9845% | 5,631 |
| Noninterest income to average assets | 0.9153% | 1,706 |
| Noninterest expense to average assets | 2.3171% | 5,287 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8960% | 2,852 |
| Return on assets (ROA) | 0.9016% | 2,941 |
| Pretax return on assets | 1.3581% | 2,080 |
| Return on Equity (ROE) | 8.7932% | 2,743 |
| Retained earnings to average equity (ytd only) | 2.8722% | 4,605 |
| Net charge-offs to loans | 0.0551% | 4,120 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 33.9658% | 1,130 |
| Efficiency ratio | 63.1908% | 4,951 |
| Assets per employee ($millions) | 4.2675% | 3,292 |
| Cash dividends to net income (ytd only)* | 67.3360% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3605% | 4,080 |
| Loan loss allowance to noncurrent loans | 73.1054% | 4,299 |
| Noncurrent assets plus other real estate owned to assets | 1.4528% | 2,771 |
| Noncurrent loans to loans | 1.8610% | 2,419 |
| Net loans and leases to total assets | 74.2178% | 1,261 |
| Net loans and leases to deposits | 87.1199% | 1,478 |
| Net loans and leases to core deposits | 90.7438% | 1,896 |
| Total domestic deposits to total assets | 85.1904% | 3,640 |
| Equity capital to assets | 10.4367% | 3,356 |
| Core capital (leverage) ratio | 10.3859% | 3,125 |
| Tier 1 risk-based capital ratio | 14.4822% | 4,080 |
| Total risk-based capital ratio | 15.7345% | 4,031 |
| Memoranda: | ||
| Average total assets | $301,981,500 | 2,148 |
| Average earning assets | $278,407,500 | 2,132 |
| Average equity | $30,962,500 | 2,215 |
| Average total loans | $217,598,000 | 1,878 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5280% | 5,634 |
| Cost of funding earning assets | 0.5993% | 2,950 |
| Net interest margin | 2.9287% | 5,727 |
| Noninterest income to average assets | 0.9344% | 1,706 |
| Noninterest expense to average assets | 2.3150% | 5,318 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8851% | 2,871 |
| Return on assets (ROA) | 0.8935% | 2,980 |
| Pretax return on assets | 1.3410% | 2,154 |
| Return on Equity (ROE) | 8.7663% | 2,722 |
| Retained earnings to average equity (ytd only) | 2.2919% | 4,825 |
| Net charge-offs to loans | 0.0641% | 3,785 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 29.1739% | 1,168 |
| Efficiency ratio | 63.5392% | 4,930 |
| Assets per employee ($millions) | 4.2892% | 3,194 |
| Cash dividends to net income (ytd only)* | 73.8552% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3990% | 4,038 |
| Loan loss allowance to noncurrent loans | 63.7078% | 4,638 |
| Noncurrent assets plus other real estate owned to assets | 1.5870% | 2,735 |
| Noncurrent loans to loans | 2.1960% | 2,182 |
| Net loans and leases to total assets | 71.2583% | 1,683 |
| Net loans and leases to deposits | 83.2346% | 1,895 |
| Net loans and leases to core deposits | 86.6775% | 2,261 |
| Total domestic deposits to total assets | 85.6114% | 3,573 |
| Equity capital to assets | 10.1529% | 3,724 |
| Core capital (leverage) ratio | 10.0876% | 3,389 |
| Tier 1 risk-based capital ratio | 14.7817% | 3,921 |
| Total risk-based capital ratio | 16.0345% | 3,883 |
| Memoranda: | ||
| Average total assets | $303,066,670 | 2,144 |
| Average earning assets | $280,328,670 | 2,127 |
| Average equity | $30,891,000 | 2,232 |
| Average total loans | $215,208,670 | 1,901 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5473% | 5,586 |
| Cost of funding earning assets | 0.6098% | 3,017 |
| Net interest margin | 2.9375% | 5,733 |
| Noninterest income to average assets | 0.8891% | 1,793 |
| Noninterest expense to average assets | 2.2717% | 5,496 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8904% | 2,701 |
| Return on assets (ROA) | 0.8904% | 2,846 |
| Pretax return on assets | 1.3323% | 2,114 |
| Return on Equity (ROE) | 8.7185% | 2,616 |
| Retained earnings to average equity (ytd only) | 2.2412% | 4,892 |
| Net charge-offs to loans | 0.1072% | 2,805 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 17.6667% | 1,300 |
| Efficiency ratio | 63.0323% | 5,150 |
| Assets per employee ($millions) | 4.3557% | 3,231 |
| Cash dividends to net income (ytd only)* | 74.2942% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4524% | 4,008 |
| Loan loss allowance to noncurrent loans | 61.3050% | 4,667 |
| Noncurrent assets plus other real estate owned to assets | 1.6776% | 2,772 |
| Noncurrent loans to loans | 2.3692% | 2,197 |
| Net loans and leases to total assets | 69.7831% | 1,699 |
| Net loans and leases to deposits | 80.9209% | 1,961 |
| Net loans and leases to core deposits | 84.1023% | 2,311 |
| Total domestic deposits to total assets | 86.2361% | 3,395 |
| Equity capital to assets | 10.3021% | 3,793 |
| Core capital (leverage) ratio | 10.0444% | 3,320 |
| Tier 1 risk-based capital ratio | 15.1480% | 3,740 |
| Total risk-based capital ratio | 16.4014% | 3,691 |
| Memoranda: | ||
| Average total assets | $302,333,500 | 2,174 |
| Average earning assets | $279,425,000 | 2,156 |
| Average equity | $30,877,000 | 2,249 |
| Average total loans | $212,771,000 | 1,923 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9690% | 5,400 |
| Cost of funding earning assets | 0.7347% | 3,210 |
| Net interest margin | 3.2344% | 5,479 |
| Noninterest income to average assets | 1.1527% | 1,177 |
| Noninterest expense to average assets | 2.4893% | 5,136 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.1057% | 1,918 |
| Return on assets (ROA) | 1.1057% | 2,098 |
| Pretax return on assets | 1.6744% | 1,199 |
| Return on Equity (ROE) | 10.8955% | 1,837 |
| Retained earnings to average equity (ytd only) | 4.2781% | 3,212 |
| Net charge-offs to loans | 0.4662% | 2,370 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 4.9870% | 3,186 |
| Efficiency ratio | 59.7855% | 5,576 |
| Assets per employee ($millions) | 4.4076% | 3,130 |
| Cash dividends to net income (ytd only)* | 60.7349% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4798% | 3,831 |
| Loan loss allowance to noncurrent loans | 62.2996% | 4,575 |
| Noncurrent assets plus other real estate owned to assets | 1.6615% | 2,904 |
| Noncurrent loans to loans | 2.3754% | 2,258 |
| Net loans and leases to total assets | 68.9110% | 2,051 |
| Net loans and leases to deposits | 79.7492% | 2,319 |
| Net loans and leases to core deposits | 82.7151% | 2,695 |
| Total domestic deposits to total assets | 86.4096% | 3,147 |
| Equity capital to assets | 10.1247% | 4,007 |
| Core capital (leverage) ratio | 9.9473% | 3,470 |
| Tier 1 risk-based capital ratio | 15.0792% | 3,677 |
| Total risk-based capital ratio | 16.3330% | 3,626 |
| Memoranda: | ||
| Average total assets | $297,831,600 | 2,153 |
| Average earning assets | $277,271,400 | 2,119 |
| Average equity | $30,223,400 | 2,237 |
| Average total loans | $214,509,600 | 1,888 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0884% | 5,231 |
| Cost of funding earning assets | 0.7437% | 3,397 |
| Net interest margin | 3.3448% | 5,230 |
| Noninterest income to average assets | 1.0837% | 1,282 |
| Noninterest expense to average assets | 2.4991% | 5,093 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1427% | 1,939 |
| Return on assets (ROA) | 1.1427% | 2,132 |
| Pretax return on assets | 1.7079% | 1,249 |
| Return on Equity (ROE) | 11.2537% | 1,869 |
| Retained earnings to average equity (ytd only) | 5.0484% | 3,335 |
| Net charge-offs to loans | 0.5936% | 1,850 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 3.9655% | 3,440 |
| Efficiency ratio | 59.4031% | 5,597 |
| Assets per employee ($millions) | 4.2685% | 3,337 |
| Cash dividends to net income (ytd only)* | 55.1398% | 1,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5191% | 3,873 |
| Loan loss allowance to noncurrent loans | 59.0926% | 4,693 |
| Noncurrent assets plus other real estate owned to assets | 1.7973% | 2,917 |
| Noncurrent loans to loans | 2.5707% | 2,223 |
| Net loans and leases to total assets | 68.2587% | 2,254 |
| Net loans and leases to deposits | 80.0874% | 2,378 |
| Net loans and leases to core deposits | 82.8152% | 2,857 |
| Total domestic deposits to total assets | 85.2303% | 3,649 |
| Equity capital to assets | 10.1166% | 4,328 |
| Core capital (leverage) ratio | 10.2457% | 3,230 |
| Tier 1 risk-based capital ratio | 15.0935% | 3,780 |
| Total risk-based capital ratio | 16.3474% | 3,731 |
| Memoranda: | ||
| Average total assets | $296,257,750 | 2,182 |
| Average earning assets | $276,642,750 | 2,145 |
| Average equity | $30,081,250 | 2,263 |
| Average total loans | $214,955,750 | 1,899 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1191% | 5,245 |
| Cost of funding earning assets | 0.7588% | 3,530 |
| Net interest margin | 3.3603% | 5,232 |
| Noninterest income to average assets | 1.0715% | 1,246 |
| Noninterest expense to average assets | 2.5885% | 4,817 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0851% | 2,105 |
| Return on assets (ROA) | 1.0851% | 2,325 |
| Pretax return on assets | 1.6314% | 1,454 |
| Return on Equity (ROE) | 10.6731% | 2,103 |
| Retained earnings to average equity (ytd only) | 5.3198% | 3,080 |
| Net charge-offs to loans | 0.9502% | 1,162 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 2.3304% | 3,835 |
| Efficiency ratio | 61.3413% | 5,361 |
| Assets per employee ($millions) | 3.9859% | 3,907 |
| Cash dividends to net income (ytd only)* | 50.1567% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4797% | 4,116 |
| Loan loss allowance to noncurrent loans | 49.1104% | 5,166 |
| Noncurrent assets plus other real estate owned to assets | 2.1713% | 2,575 |
| Noncurrent loans to loans | 3.0131% | 1,960 |
| Net loans and leases to total assets | 69.4662% | 2,012 |
| Net loans and leases to deposits | 80.2035% | 2,353 |
| Net loans and leases to core deposits | 82.9169% | 2,836 |
| Total domestic deposits to total assets | 86.6124% | 3,005 |
| Equity capital to assets | 10.1428% | 4,133 |
| Core capital (leverage) ratio | 10.1555% | 3,197 |
| Tier 1 risk-based capital ratio | 15.0836% | 3,717 |
| Total risk-based capital ratio | 16.3375% | 3,677 |
| Memoranda: | ||
| Average total assets | $293,988,330 | 2,196 |
| Average earning assets | $275,449,000 | 2,149 |
| Average equity | $29,888,330 | 2,260 |
| Average total loans | $216,587,670 | 1,886 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1246% | 5,368 |
| Cost of funding earning assets | 0.7816% | 3,615 |
| Net interest margin | 3.3430% | 5,325 |
| Noninterest income to average assets | 1.0319% | 1,350 |
| Noninterest expense to average assets | 2.5056% | 5,134 |
| Loan and lease loss provision to assets | 0.2470% | 2,489 |
| Net operating income to assets | 0.9482% | 2,706 |
| Return on assets (ROA) | 0.9482% | 2,913 |
| Pretax return on assets | 1.4133% | 2,151 |
| Return on Equity (ROE) | 9.3152% | 2,672 |
| Retained earnings to average equity (ytd only) | 3.9229% | 4,236 |
| Net charge-offs to loans | 0.0656% | 3,835 |
| Credit loss provision to net charge-offs | 500.0000% | 641 |
| Earnings coverage of net charge-offs (x) | 33.6111% | 842 |
| Efficiency ratio | 60.1449% | 5,592 |
| Assets per employee ($millions) | 3.7313% | 4,581 |
| Cash dividends to net income (ytd only)* | 57.8871% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9599% | 2,492 |
| Loan loss allowance to noncurrent loans | 58.8671% | 4,592 |
| Noncurrent assets plus other real estate owned to assets | 2.6134% | 2,262 |
| Noncurrent loans to loans | 3.3294% | 1,912 |
| Net loans and leases to total assets | 73.7681% | 1,101 |
| Net loans and leases to deposits | 85.5641% | 1,469 |
| Net loans and leases to core deposits | 88.5712% | 1,992 |
| Total domestic deposits to total assets | 86.2139% | 3,408 |
| Equity capital to assets | 10.2361% | 3,805 |
| Core capital (leverage) ratio | 10.3211% | 2,967 |
| Tier 1 risk-based capital ratio | 14.5262% | 4,084 |
| Total risk-based capital ratio | 15.7868% | 4,033 |
| Memoranda: | ||
| Average total assets | $291,512,000 | 2,233 |
| Average earning assets | $273,288,500 | 2,174 |
| Average equity | $29,672,000 | 2,284 |
| Average total loans | $219,490,500 | 1,860 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2778% | 5,824 |
| Cost of funding earning assets | 1.0140% | 3,272 |
| Net interest margin | 3.2638% | 5,921 |
| Noninterest income to average assets | 1.0158% | 1,323 |
| Noninterest expense to average assets | 2.4454% | 5,648 |
| Loan and lease loss provision to assets | 0.3222% | 3,105 |
| Net operating income to assets | 0.8845% | 2,670 |
| Return on assets (ROA) | 0.8838% | 2,805 |
| Pretax return on assets | 1.3134% | 2,077 |
| Return on Equity (ROE) | 8.8344% | 2,531 |
| Retained earnings to average equity (ytd only) | 0.6544% | 5,540 |
| Net charge-offs to loans | 0.2211% | 4,404 |
| Credit loss provision to net charge-offs | 197.6987% | 1,282 |
| Earnings coverage of net charge-offs (x) | 10.0418% | 1,893 |
| Efficiency ratio | 59.9064% | 5,773 |
| Assets per employee ($millions) | 3.7434% | 4,456 |
| Cash dividends to net income (ytd only)* | 92.5926% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8855% | 2,613 |
| Loan loss allowance to noncurrent loans | 53.5640% | 4,841 |
| Noncurrent assets plus other real estate owned to assets | 2.6813% | 2,270 |
| Noncurrent loans to loans | 3.5201% | 1,826 |
| Net loans and leases to total assets | 73.9240% | 1,285 |
| Net loans and leases to deposits | 85.4166% | 1,743 |
| Net loans and leases to core deposits | 88.4282% | 2,331 |
| Total domestic deposits to total assets | 86.5452% | 3,011 |
| Equity capital to assets | 10.1214% | 4,008 |
| Core capital (leverage) ratio | 9.9024% | 3,453 |
| Tier 1 risk-based capital ratio | 14.2817% | 4,123 |
| Total risk-based capital ratio | 15.5412% | 4,081 |
| Memoranda: | ||
| Average total assets | $293,280,400 | 2,178 |
| Average earning assets | $275,535,800 | 2,130 |
| Average equity | $29,339,800 | 2,244 |
| Average total loans | $216,189,600 | 1,902 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2935% | 5,969 |
| Cost of funding earning assets | 1.0527% | 3,301 |
| Net interest margin | 3.2408% | 6,042 |
| Noninterest income to average assets | 0.9877% | 1,369 |
| Noninterest expense to average assets | 2.4304% | 5,689 |
| Loan and lease loss provision to assets | 0.2452% | 3,554 |
| Net operating income to assets | 0.9028% | 2,729 |
| Return on assets (ROA) | 0.9019% | 2,874 |
| Pretax return on assets | 1.3555% | 2,098 |
| Return on Equity (ROE) | 9.0415% | 2,577 |
| Retained earnings to average equity (ytd only) | 0.6192% | 5,770 |
| Net charge-offs to loans | 0.2298% | 3,998 |
| Credit loss provision to net charge-offs | 145.5526% | 2,171 |
| Earnings coverage of net charge-offs (x) | 9.5095% | 2,037 |
| Efficiency ratio | 60.2703% | 5,673 |
| Assets per employee ($millions) | 3.6319% | 4,675 |
| Cash dividends to net income (ytd only)* | 93.1524% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7625% | 3,061 |
| Loan loss allowance to noncurrent loans | 46.1908% | 5,240 |
| Noncurrent assets plus other real estate owned to assets | 2.9444% | 2,188 |
| Noncurrent loans to loans | 3.8157% | 1,763 |
| Net loans and leases to total assets | 73.8563% | 1,346 |
| Net loans and leases to deposits | 86.6217% | 1,607 |
| Net loans and leases to core deposits | 89.7723% | 2,282 |
| Total domestic deposits to total assets | 85.2630% | 3,640 |
| Equity capital to assets | 10.1546% | 4,149 |
| Core capital (leverage) ratio | 9.8651% | 3,625 |
| Tier 1 risk-based capital ratio | 14.3868% | 4,065 |
| Total risk-based capital ratio | 15.6447% | 4,026 |
| Memoranda: | ||
| Average total assets | $293,604,250 | 2,181 |
| Average earning assets | $275,850,500 | 2,134 |
| Average equity | $29,286,500 | 2,245 |
| Average total loans | $215,238,250 | 1,927 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2831% | 6,069 |
| Cost of funding earning assets | 1.0708% | 3,465 |
| Net interest margin | 3.2123% | 6,119 |
| Noninterest income to average assets | 0.9796% | 1,376 |
| Noninterest expense to average assets | 2.4513% | 5,702 |
| Loan and lease loss provision to assets | 0.2444% | 3,461 |
| Net operating income to assets | 0.8675% | 2,783 |
| Return on assets (ROA) | 0.8675% | 2,873 |
| Pretax return on assets | 1.3040% | 2,127 |
| Return on Equity (ROE) | 8.7492% | 2,618 |
| Retained earnings to average equity (ytd only) | -0.1506% | 5,867 |
| Net charge-offs to loans | 0.2671% | 3,548 |
| Credit loss provision to net charge-offs | 125.8741% | 2,429 |
| Earnings coverage of net charge-offs (x) | 7.9755% | 2,141 |
| Efficiency ratio | 61.2865% | 5,689 |
| Assets per employee ($millions) | 3.8831% | 4,029 |
| Cash dividends to net income (ytd only)* | 101.7214% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7452% | 3,169 |
| Loan loss allowance to noncurrent loans | 93.8046% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 1.4184% | 4,088 |
| Noncurrent loans to loans | 1.8605% | 3,662 |
| Net loans and leases to total assets | 70.7032% | 2,070 |
| Net loans and leases to deposits | 83.0863% | 2,260 |
| Net loans and leases to core deposits | 85.7487% | 2,942 |
| Total domestic deposits to total assets | 85.0961% | 3,834 |
| Equity capital to assets | 9.7879% | 4,401 |
| Core capital (leverage) ratio | 9.5883% | 3,828 |
| Tier 1 risk-based capital ratio | 14.5071% | 3,781 |
| Total risk-based capital ratio | 15.7650% | 3,753 |
| Memoranda: | ||
| Average total assets | $294,623,000 | 2,178 |
| Average earning assets | $276,998,670 | 2,127 |
| Average equity | $29,214,000 | 2,226 |
| Average total loans | $214,171,670 | 1,957 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3385% | 5,890 |
| Cost of funding earning assets | 1.0908% | 3,587 |
| Net interest margin | 3.2477% | 5,929 |
| Noninterest income to average assets | 0.9356% | 1,523 |
| Noninterest expense to average assets | 2.4771% | 5,635 |
| Loan and lease loss provision to assets | 0.2462% | 3,201 |
| Net operating income to assets | 0.8426% | 2,808 |
| Return on assets (ROA) | 0.8426% | 2,866 |
| Pretax return on assets | 1.2666% | 2,143 |
| Return on Equity (ROE) | 8.4418% | 2,725 |
| Retained earnings to average equity (ytd only) | -0.4659% | 5,880 |
| Net charge-offs to loans | 0.3164% | 2,783 |
| Credit loss provision to net charge-offs | 106.5089% | 2,505 |
| Earnings coverage of net charge-offs (x) | 6.5444% | 2,084 |
| Efficiency ratio | 62.0843% | 5,666 |
| Assets per employee ($millions) | 3.6640% | 4,623 |
| Cash dividends to net income (ytd only)* | 105.5195% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7402% | 3,213 |
| Loan loss allowance to noncurrent loans | 80.7524% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 1.6665% | 3,754 |
| Noncurrent loans to loans | 2.1550% | 3,378 |
| Net loans and leases to total assets | 71.1205% | 1,897 |
| Net loans and leases to deposits | 83.0547% | 2,181 |
| Net loans and leases to core deposits | 86.5376% | 2,800 |
| Total domestic deposits to total assets | 85.6308% | 3,721 |
| Equity capital to assets | 9.9532% | 3,837 |
| Core capital (leverage) ratio | 9.7026% | 3,521 |
| Tier 1 risk-based capital ratio | 14.5915% | 3,681 |
| Total risk-based capital ratio | 15.8491% | 3,632 |
| Memoranda: | ||
| Average total assets | $292,433,500 | 2,209 |
| Average earning assets | $275,028,000 | 2,162 |
| Average equity | $29,188,000 | 2,219 |
| Average total loans | $213,678,000 | 1,983 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6750% | 5,881 |
| Cost of funding earning assets | 1.2394% | 4,290 |
| Net interest margin | 3.4357% | 5,492 |
| Noninterest income to average assets | 1.0491% | 1,358 |
| Noninterest expense to average assets | 2.4766% | 5,873 |
| Loan and lease loss provision to assets | 0.3117% | 4,312 |
| Net operating income to assets | 0.9928% | 2,064 |
| Return on assets (ROA) | 0.9969% | 2,152 |
| Pretax return on assets | 1.4933% | 1,391 |
| Return on Equity (ROE) | 10.0754% | 1,896 |
| Retained earnings to average equity (ytd only) | 2.4844% | 4,139 |
| Net charge-offs to loans | 0.1907% | 5,158 |
| Credit loss provision to net charge-offs | 221.6019% | 1,353 |
| Earnings coverage of net charge-offs (x) | 12.7888% | 1,468 |
| Efficiency ratio | 57.9254% | 6,345 |
| Assets per employee ($millions) | 3.6468% | 4,592 |
| Cash dividends to net income (ytd only)* | 75.3425% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7105% | 3,177 |
| Loan loss allowance to noncurrent loans | 92.9545% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 1.4646% | 4,127 |
| Noncurrent loans to loans | 1.8402% | 3,765 |
| Net loans and leases to total assets | 72.4994% | 1,982 |
| Net loans and leases to deposits | 86.2316% | 2,052 |
| Net loans and leases to core deposits | 90.3902% | 2,714 |
| Total domestic deposits to total assets | 84.0752% | 4,326 |
| Equity capital to assets | 10.0090% | 3,737 |
| Core capital (leverage) ratio | 9.8270% | 3,284 |
| Tier 1 risk-based capital ratio | 14.5100% | 3,539 |
| Total risk-based capital ratio | 15.7672% | 3,491 |
| Memoranda: | ||
| Average total assets | $292,906,400 | 2,197 |
| Average earning assets | $275,057,000 | 2,148 |
| Average equity | $28,981,400 | 2,241 |
| Average total loans | $216,086,400 | 2,002 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7109% | 5,977 |
| Cost of funding earning assets | 1.2706% | 4,435 |
| Net interest margin | 3.4403% | 5,528 |
| Noninterest income to average assets | 1.0291% | 1,377 |
| Noninterest expense to average assets | 2.5007% | 5,712 |
| Loan and lease loss provision to assets | 0.3411% | 3,875 |
| Net operating income to assets | 0.9449% | 2,433 |
| Return on assets (ROA) | 0.9504% | 2,542 |
| Pretax return on assets | 1.4252% | 1,807 |
| Return on Equity (ROE) | 9.6334% | 2,276 |
| Retained earnings to average equity (ytd only) | 2.7195% | 4,525 |
| Net charge-offs to loans | 0.1572% | 5,058 |
| Credit loss provision to net charge-offs | 294.1176% | 1,088 |
| Earnings coverage of net charge-offs (x) | 15.1609% | 1,458 |
| Efficiency ratio | 58.7186% | 6,160 |
| Assets per employee ($millions) | 3.6059% | 4,717 |
| Cash dividends to net income (ytd only)* | 71.7703% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7160% | 3,106 |
| Loan loss allowance to noncurrent loans | 95.3802% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 1.3634% | 4,446 |
| Noncurrent loans to loans | 1.7991% | 3,948 |
| Net loans and leases to total assets | 72.9673% | 2,018 |
| Net loans and leases to deposits | 87.7847% | 2,039 |
| Net loans and leases to core deposits | 90.1982% | 3,066 |
| Total domestic deposits to total assets | 83.1208% | 4,537 |
| Equity capital to assets | 10.1264% | 3,984 |
| Core capital (leverage) ratio | 9.8990% | 3,356 |
| Tier 1 risk-based capital ratio | 14.4932% | 3,513 |
| Total risk-based capital ratio | 15.7506% | 3,483 |
| Memoranda: | ||
| Average total assets | $293,196,500 | 2,225 |
| Average earning assets | $275,239,750 | 2,180 |
| Average equity | $28,926,500 | 2,279 |
| Average total loans | $216,309,250 | 2,034 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7237% | 6,064 |
| Cost of funding earning assets | 1.3048% | 4,505 |
| Net interest margin | 3.4189% | 5,566 |
| Noninterest income to average assets | 0.9838% | 1,425 |
| Noninterest expense to average assets | 2.5179% | 5,654 |
| Loan and lease loss provision to assets | 0.3392% | 3,704 |
| Net operating income to assets | 0.8893% | 2,588 |
| Return on assets (ROA) | 0.8888% | 2,715 |
| Pretax return on assets | 1.3366% | 1,984 |
| Return on Equity (ROE) | 9.0873% | 2,429 |
| Retained earnings to average equity (ytd only) | 3.5378% | 3,859 |
| Net charge-offs to loans | 0.0608% | 5,541 |
| Credit loss provision to net charge-offs | 757.5758% | 491 |
| Earnings coverage of net charge-offs (x) | 37.4394% | 770 |
| Efficiency ratio | 60.0291% | 6,043 |
| Assets per employee ($millions) | 3.7424% | 4,365 |
| Cash dividends to net income (ytd only)* | 61.0687% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6869% | 3,130 |
| Loan loss allowance to noncurrent loans | 86.8959% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 1.4843% | 4,235 |
| Noncurrent loans to loans | 1.9413% | 3,810 |
| Net loans and leases to total assets | 70.3492% | 2,827 |
| Net loans and leases to deposits | 85.1325% | 2,673 |
| Net loans and leases to core deposits | 88.1762% | 3,524 |
| Total domestic deposits to total assets | 82.6350% | 4,726 |
| Equity capital to assets | 9.7136% | 4,389 |
| Core capital (leverage) ratio | 9.5884% | 3,689 |
| Tier 1 risk-based capital ratio | 14.5847% | 3,393 |
| Total risk-based capital ratio | 15.8419% | 3,354 |
| Memoranda: | ||
| Average total assets | $294,771,000 | 2,236 |
| Average earning assets | $276,818,000 | 2,181 |
| Average equity | $28,831,330 | 2,273 |
| Average total loans | $217,023,670 | 2,057 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7609% | 6,032 |
| Cost of funding earning assets | 1.3563% | 4,443 |
| Net interest margin | 3.4046% | 5,564 |
| Noninterest income to average assets | 1.0025% | 1,298 |
| Noninterest expense to average assets | 2.6342% | 5,210 |
| Loan and lease loss provision to assets | 0.3419% | 3,334 |
| Net operating income to assets | 0.8147% | 2,903 |
| Return on assets (ROA) | 0.8138% | 3,004 |
| Pretax return on assets | 1.2214% | 2,292 |
| Return on Equity (ROE) | 8.2909% | 2,740 |
| Retained earnings to average equity (ytd only) | 2.7172% | 4,508 |
| Net charge-offs to loans | 0.0220% | 5,267 |
| Credit loss provision to net charge-offs | 2,083.3333% | 244 |
| Earnings coverage of net charge-offs (x) | 95.3333% | 339 |
| Efficiency ratio | 62.7362% | 5,698 |
| Assets per employee ($millions) | 3.6840% | 4,612 |
| Cash dividends to net income (ytd only)* | 67.2269% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5911% | 3,491 |
| Loan loss allowance to noncurrent loans | 69.2183% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 1.8125% | 3,767 |
| Noncurrent loans to loans | 2.2987% | 3,385 |
| Net loans and leases to total assets | 72.6369% | 2,294 |
| Net loans and leases to deposits | 88.4022% | 2,157 |
| Net loans and leases to core deposits | 91.7534% | 3,136 |
| Total domestic deposits to total assets | 82.1663% | 5,001 |
| Equity capital to assets | 9.8920% | 4,005 |
| Core capital (leverage) ratio | 9.6959% | 3,523 |
| Tier 1 risk-based capital ratio | 14.2851% | 3,495 |
| Total risk-based capital ratio | 15.5406% | 3,458 |
| Memoranda: | ||
| Average total assets | $292,459,000 | 2,298 |
| Average earning assets | $274,567,500 | 2,247 |
| Average equity | $28,706,000 | 2,314 |
| Average total loans | $218,417,500 | 2,087 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2725% | 5,312 |
| Cost of funding earning assets | 1.6270% | 4,903 |
| Net interest margin | 3.6455% | 4,369 |
| Noninterest income to average assets | 1.1624% | 1,139 |
| Noninterest expense to average assets | 2.5806% | 5,862 |
| Loan and lease loss provision to assets | 0.5431% | 3,656 |
| Net operating income to assets | 0.9680% | 1,948 |
| Return on assets (ROA) | 0.9694% | 2,003 |
| Pretax return on assets | 1.4510% | 1,314 |
| Return on Equity (ROE) | 9.8616% | 1,731 |
| Retained earnings to average equity (ytd only) | 1.8695% | 3,785 |
| Net charge-offs to loans | 0.8074% | 2,808 |
| Credit loss provision to net charge-offs | 84.9359% | 6,163 |
| Earnings coverage of net charge-offs (x) | 3.1154% | 3,503 |
| Efficiency ratio | 56.4353% | 6,961 |
| Assets per employee ($millions) | 3.6736% | 4,586 |
| Cash dividends to net income (ytd only)* | 81.0430% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4323% | 4,064 |
| Loan loss allowance to noncurrent loans | 63.3214% | 4,223 |
| Noncurrent assets plus other real estate owned to assets | 2.0263% | 3,369 |
| Noncurrent loans to loans | 2.2620% | 3,325 |
| Net loans and leases to total assets | 74.4644% | 2,148 |
| Net loans and leases to deposits | 91.0342% | 2,040 |
| Net loans and leases to core deposits | 104.0827% | 3,568 |
| Total domestic deposits to total assets | 81.7983% | 5,034 |
| Equity capital to assets | 9.7396% | 4,088 |
| Core capital (leverage) ratio | 9.6551% | 3,516 |
| Tier 1 risk-based capital ratio | 13.6945% | 3,688 |
| Total risk-based capital ratio | 14.9479% | 3,624 |
| Memoranda: | ||
| Average total assets | $292,760,800 | 2,264 |
| Average earning assets | $273,875,600 | 2,213 |
| Average equity | $28,778,200 | 2,316 |
| Average total loans | $231,849,200 | 2,021 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3135% | 5,353 |
| Cost of funding earning assets | 1.6756% | 5,031 |
| Net interest margin | 3.6379% | 4,334 |
| Noninterest income to average assets | 1.1912% | 1,095 |
| Noninterest expense to average assets | 2.5911% | 5,745 |
| Loan and lease loss provision to assets | 0.3784% | 4,062 |
| Net operating income to assets | 1.0777% | 1,804 |
| Return on assets (ROA) | 1.0795% | 1,851 |
| Pretax return on assets | 1.6251% | 1,127 |
| Return on Equity (ROE) | 10.9562% | 1,633 |
| Retained earnings to average equity (ytd only) | 4.9414% | 2,520 |
| Net charge-offs to loans | 0.4592% | 3,391 |
| Credit loss provision to net charge-offs | 102.8501% | 4,948 |
| Earnings coverage of net charge-offs (x) | 5.4387% | 2,824 |
| Efficiency ratio | 56.4281% | 6,941 |
| Assets per employee ($millions) | 3.4517% | 5,045 |
| Cash dividends to net income (ytd only)* | 54.8987% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5310% | 3,271 |
| Loan loss allowance to noncurrent loans | 62.4105% | 4,224 |
| Noncurrent assets plus other real estate owned to assets | 2.0046% | 3,340 |
| Noncurrent loans to loans | 2.4532% | 3,075 |
| Net loans and leases to total assets | 79.1890% | 1,351 |
| Net loans and leases to deposits | 98.3929% | 1,280 |
| Net loans and leases to core deposits | 111.9442% | 3,032 |
| Total domestic deposits to total assets | 80.4824% | 5,258 |
| Equity capital to assets | 10.3204% | 3,704 |
| Core capital (leverage) ratio | 9.8859% | 3,419 |
| Tier 1 risk-based capital ratio | 13.6261% | 3,767 |
| Total risk-based capital ratio | 14.8812% | 3,700 |
| Memoranda: | ||
| Average total assets | $292,480,000 | 2,286 |
| Average earning assets | $273,410,000 | 2,237 |
| Average equity | $28,817,000 | 2,334 |
| Average total loans | $234,306,750 | 2,024 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2992% | 5,664 |
| Cost of funding earning assets | 1.7000% | 5,273 |
| Net interest margin | 3.5992% | 4,362 |
| Noninterest income to average assets | 1.2468% | 986 |
| Noninterest expense to average assets | 2.5573% | 5,913 |
| Loan and lease loss provision to assets | 0.4194% | 3,440 |
| Net operating income to assets | 1.0838% | 1,830 |
| Return on assets (ROA) | 1.0865% | 1,897 |
| Pretax return on assets | 1.6359% | 1,140 |
| Return on Equity (ROE) | 11.1972% | 1,647 |
| Retained earnings to average equity (ytd only) | 6.3167% | 1,876 |
| Net charge-offs to loans | 0.6282% | 2,467 |
| Credit loss provision to net charge-offs | 83.4455% | 5,102 |
| Earnings coverage of net charge-offs (x) | 4.0808% | 3,224 |
| Efficiency ratio | 55.4903% | 7,166 |
| Assets per employee ($millions) | 3.5919% | 4,592 |
| Cash dividends to net income (ytd only)* | 43.5866% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4437% | 3,503 |
| Loan loss allowance to noncurrent loans | 72.9836% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 1.6058% | 3,810 |
| Noncurrent loans to loans | 1.9781% | 3,552 |
| Net loans and leases to total assets | 75.5481% | 2,298 |
| Net loans and leases to deposits | 94.1625% | 2,065 |
| Net loans and leases to core deposits | 106.4652% | 3,779 |
| Total domestic deposits to total assets | 80.2316% | 5,381 |
| Equity capital to assets | 9.6132% | 4,474 |
| Core capital (leverage) ratio | 9.7231% | 3,604 |
| Tier 1 risk-based capital ratio | 13.0649% | 4,095 |
| Total risk-based capital ratio | 14.3184% | 4,013 |
| Memoranda: | ||
| Average total assets | $295,626,000 | 2,281 |
| Average earning assets | $276,119,670 | 2,243 |
| Average equity | $28,685,670 | 2,359 |
| Average total loans | $236,534,670 | 2,032 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5292% | 4,755 |
| Cost of funding earning assets | 1.7392% | 5,428 |
| Net interest margin | 3.7900% | 3,492 |
| Noninterest income to average assets | 1.2933% | 852 |
| Noninterest expense to average assets | 2.5716% | 5,563 |
| Loan and lease loss provision to assets | 0.2871% | 3,662 |
| Net operating income to assets | 1.3152% | 1,346 |
| Return on assets (ROA) | 1.3179% | 1,438 |
| Pretax return on assets | 1.9810% | 687 |
| Return on Equity (ROE) | 13.5175% | 1,265 |
| Retained earnings to average equity (ytd only) | 10.7130% | 1,034 |
| Net charge-offs to loans | 0.0786% | 4,389 |
| Credit loss provision to net charge-offs | 446.8085% | 1,185 |
| Earnings coverage of net charge-offs (x) | 35.2340% | 940 |
| Efficiency ratio | 53.1807% | 7,300 |
| Assets per employee ($millions) | 3.4819% | 4,864 |
| Cash dividends to net income (ytd only)* | 20.7469% | 2,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5527% | 2,711 |
| Loan loss allowance to noncurrent loans | 68.3189% | 4,166 |
| Noncurrent assets plus other real estate owned to assets | 1.9115% | 3,036 |
| Noncurrent loans to loans | 2.2727% | 2,895 |
| Net loans and leases to total assets | 79.5318% | 1,469 |
| Net loans and leases to deposits | 103.1227% | 1,076 |
| Net loans and leases to core deposits | 119.0058% | 2,505 |
| Total domestic deposits to total assets | 77.1235% | 6,246 |
| Equity capital to assets | 9.9943% | 4,012 |
| Core capital (leverage) ratio | 9.9256% | 3,490 |
| Tier 1 risk-based capital ratio | 12.9007% | 4,248 |
| Total risk-based capital ratio | 14.1553% | 4,173 |
| Memoranda: | ||
| Average total assets | $292,579,500 | 2,317 |
| Average earning assets | $273,455,000 | 2,272 |
| Average equity | $28,526,000 | 2,381 |
| Average total loans | $239,161,000 | 2,030 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1028% | 5,028 |
| Cost of funding earning assets | 2.3812% | 4,806 |
| Net interest margin | 3.7216% | 4,376 |
| Noninterest income to average assets | 0.9185% | 1,892 |
| Noninterest expense to average assets | 2.4482% | 6,215 |
| Loan and lease loss provision to assets | 0.6602% | 2,200 |
| Net operating income to assets | 0.8563% | 3,197 |
| Return on assets (ROA) | 0.8641% | 3,005 |
| Pretax return on assets | 1.2720% | 2,399 |
| Return on Equity (ROE) | 9.0843% | 2,610 |
| Retained earnings to average equity (ytd only) | -0.8168% | 5,547 |
| Net charge-offs to loans | 0.4670% | 2,493 |
| Credit loss provision to net charge-offs | 168.9329% | 3,043 |
| Earnings coverage of net charge-offs (x) | 4.9148% | 3,815 |
| Efficiency ratio | 56.0354% | 7,005 |
| Assets per employee ($millions) | 3.7021% | 4,175 |
| Cash dividends to net income (ytd only)* | 108.9918% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4139% | 3,115 |
| Loan loss allowance to noncurrent loans | 67.8957% | 4,639 |
| Noncurrent assets plus other real estate owned to assets | 1.7723% | 2,763 |
| Noncurrent loans to loans | 2.0825% | 2,655 |
| Net loans and leases to total assets | 81.5062% | 1,318 |
| Net loans and leases to deposits | 102.2254% | 1,567 |
| Net loans and leases to core deposits | 124.9622% | 2,253 |
| Total domestic deposits to total assets | 79.7318% | 5,119 |
| Equity capital to assets | 9.5113% | 4,677 |
| Core capital (leverage) ratio | 9.4590% | 4,072 |
| Tier 1 risk-based capital ratio | 12.0051% | 4,819 |
| Total risk-based capital ratio | 13.2580% | 4,702 |
| Memoranda: | ||
| Average total assets | $297,318,000 | 2,216 |
| Average earning assets | $275,658,800 | 2,198 |
| Average equity | $28,279,600 | 2,390 |
| Average total loans | $248,796,400 | 1,912 |