Home > The Henry County Bank > Performance and Condition Ratios
The Henry County Bank, Performance and Condition Ratios
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3247% | 2,659 |
| Cost of funding earning assets | 0.2902% | 1,801 |
| Net interest margin | 3.0346% | 2,786 |
| Noninterest income to average assets | 0.2070% | 3,956 |
| Noninterest expense to average assets | 3.5917% | 397 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.3442% | 4,662 |
| Return on assets (ROA) | -0.3442% | 4,641 |
| Pretax return on assets | -0.5091% | 4,655 |
| Return on Equity (ROE) | -4.1963% | 4,662 |
| Retained earnings to average equity (ytd only) | -6.7577% | 4,585 |
| Net charge-offs to loans | 0.6588% | 92 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | -1.4741% | 2,115 |
| Efficiency ratio | 116.5163% | 90 |
| Assets per employee ($millions) | 5.4321% | 3,288 |
| Cash dividends to net income (ytd only)* | -61.0413% | 4,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7567% | 4,244 |
| Loan loss allowance to noncurrent loans | 303.8902% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 0.1387% | 2,745 |
| Noncurrent loans to loans | 0.2490% | 2,485 |
| Net loans and leases to total assets | 55.2823% | 2,825 |
| Net loans and leases to deposits | 64.2490% | 2,696 |
| Net loans and leases to core deposits | 77.2371% | 1,905 |
| Total domestic deposits to total assets | 86.0439% | 3,234 |
| Equity capital to assets | 6.5375% | 4,004 |
| Core capital (leverage) ratio | 8.5558% | 3,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $323,689,667 | 2,370 |
| Average earning assets | $306,734,000 | 2,341 |
| Average equity | $26,547,333 | 2,606 |
| Average total loans | $169,714,333 | 2,464 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0585% | 3,089 |
| Cost of funding earning assets | 0.2630% | 2,006 |
| Net interest margin | 2.7955% | 3,156 |
| Noninterest income to average assets | 0.1939% | 3,999 |
| Noninterest expense to average assets | 2.2853% | 2,556 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4805% | 3,759 |
| Return on assets (ROA) | 0.4805% | 3,727 |
| Pretax return on assets | 0.5658% | 3,717 |
| Return on Equity (ROE) | 5.3383% | 3,530 |
| Retained earnings to average equity (ytd only) | 5.3383% | 2,465 |
| Net charge-offs to loans | -0.1079% | 4,476 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1540% | 1,143 |
| Assets per employee ($millions) | 5.5493% | 3,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1487% | 3,110 |
| Loan loss allowance to noncurrent loans | 151.7675% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 0.3888% | 1,552 |
| Noncurrent loans to loans | 0.7569% | 1,259 |
| Net loans and leases to total assets | 50.7802% | 3,097 |
| Net loans and leases to deposits | 59.2554% | 2,973 |
| Net loans and leases to core deposits | 69.8845% | 2,304 |
| Total domestic deposits to total assets | 85.6972% | 3,344 |
| Equity capital to assets | 8.2725% | 3,345 |
| Core capital (leverage) ratio | 9.1797% | 3,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $328,005,000 | 2,352 |
| Average earning assets | $311,791,000 | 2,328 |
| Average equity | $29,522,500 | 2,510 |
| Average total loans | $166,821,500 | 2,491 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0730% | 3,741 |
| Cost of funding earning assets | 0.3178% | 2,220 |
| Net interest margin | 2.7553% | 3,768 |
| Noninterest income to average assets | 0.3502% | 3,341 |
| Noninterest expense to average assets | 2.3487% | 2,663 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5402% | 3,998 |
| Return on assets (ROA) | 0.5405% | 4,051 |
| Pretax return on assets | 0.6253% | 4,069 |
| Return on Equity (ROE) | 5.4943% | 3,883 |
| Retained earnings to average equity (ytd only) | 3.3890% | 3,464 |
| Net charge-offs to loans | -0.0574% | 4,391 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9825% | 873 |
| Assets per employee ($millions) | 5.3869% | 3,372 |
| Cash dividends to net income (ytd only)* | 38.3183% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1405% | 3,170 |
| Loan loss allowance to noncurrent loans | 230.1220% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 0.2495% | 2,323 |
| Noncurrent loans to loans | 0.4956% | 1,886 |
| Net loans and leases to total assets | 49.7762% | 3,311 |
| Net loans and leases to deposits | 59.9597% | 3,077 |
| Net loans and leases to core deposits | 76.1968% | 1,903 |
| Total domestic deposits to total assets | 83.0161% | 3,805 |
| Equity capital to assets | 9.7261% | 2,916 |
| Core capital (leverage) ratio | 9.4525% | 2,915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $327,839,800 | 2,304 |
| Average earning assets | $312,166,200 | 2,272 |
| Average equity | $32,251,800 | 2,414 |
| Average total loans | $160,154,800 | 2,540 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0311% | 3,944 |
| Cost of funding earning assets | 0.3253% | 2,347 |
| Net interest margin | 2.7058% | 3,959 |
| Noninterest income to average assets | 0.3321% | 3,447 |
| Noninterest expense to average assets | 2.2861% | 2,789 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5335% | 4,135 |
| Return on assets (ROA) | 0.5339% | 4,178 |
| Pretax return on assets | 0.6222% | 4,203 |
| Return on Equity (ROE) | 5.4116% | 4,037 |
| Retained earnings to average equity (ytd only) | 4.0092% | 3,575 |
| Net charge-offs to loans | -0.0411% | 4,267 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6174% | 832 |
| Assets per employee ($millions) | 4.7001% | 3,967 |
| Cash dividends to net income (ytd only)* | 25.9146% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1198% | 3,349 |
| Loan loss allowance to noncurrent loans | 202.1930% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 0.2772% | 2,395 |
| Noncurrent loans to loans | 0.5538% | 1,929 |
| Net loans and leases to total assets | 49.4903% | 3,469 |
| Net loans and leases to deposits | 58.9973% | 3,325 |
| Net loans and leases to core deposits | 70.7217% | 2,535 |
| Total domestic deposits to total assets | 83.8857% | 3,487 |
| Equity capital to assets | 9.9448% | 2,954 |
| Core capital (leverage) ratio | 9.3760% | 3,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $327,650,000 | 2,332 |
| Average earning assets | $311,912,750 | 2,294 |
| Average equity | $32,324,750 | 2,441 |
| Average total loans | $158,830,750 | 2,590 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0094% | 4,027 |
| Cost of funding earning assets | 0.3448% | 2,365 |
| Net interest margin | 2.6646% | 4,047 |
| Noninterest income to average assets | 0.3460% | 3,376 |
| Noninterest expense to average assets | 2.2408% | 2,952 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5495% | 4,115 |
| Return on assets (ROA) | 0.5495% | 4,158 |
| Pretax return on assets | 0.6418% | 4,170 |
| Return on Equity (ROE) | 5.5850% | 4,005 |
| Retained earnings to average equity (ytd only) | 3.4728% | 3,695 |
| Net charge-offs to loans | -0.0510% | 4,383 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7354% | 931 |
| Assets per employee ($millions) | 5.0504% | 3,617 |
| Cash dividends to net income (ytd only)* | 37.8198% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1742% | 3,078 |
| Loan loss allowance to noncurrent loans | 214.8712% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 0.2562% | 2,647 |
| Noncurrent loans to loans | 0.5465% | 2,034 |
| Net loans and leases to total assets | 46.3332% | 3,878 |
| Net loans and leases to deposits | 55.0662% | 3,787 |
| Net loans and leases to core deposits | 65.8009% | 3,129 |
| Total domestic deposits to total assets | 84.1409% | 3,382 |
| Equity capital to assets | 9.6091% | 3,242 |
| Core capital (leverage) ratio | 9.2628% | 3,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $327,198,000 | 2,324 |
| Average earning assets | $311,492,333 | 2,279 |
| Average equity | $32,193,333 | 2,443 |
| Average total loans | $156,884,333 | 2,620 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0510% | 3,987 |
| Cost of funding earning assets | 0.3644% | 2,410 |
| Net interest margin | 2.6866% | 3,993 |
| Noninterest income to average assets | 0.3739% | 3,227 |
| Noninterest expense to average assets | 2.2583% | 2,914 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5751% | 4,006 |
| Return on assets (ROA) | 0.5751% | 4,058 |
| Pretax return on assets | 0.6726% | 4,072 |
| Return on Equity (ROE) | 5.7754% | 3,924 |
| Retained earnings to average equity (ytd only) | 5.7754% | 2,976 |
| Net charge-offs to loans | 0.0127% | 1,494 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 109.0000% | 584 |
| Efficiency ratio | 77.0526% | 1,034 |
| Assets per employee ($millions) | 5.0459% | 3,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1201% | 3,341 |
| Loan loss allowance to noncurrent loans | 193.0960% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 0.2895% | 2,694 |
| Noncurrent loans to loans | 0.5801% | 2,118 |
| Net loans and leases to total assets | 47.4481% | 3,861 |
| Net loans and leases to deposits | 56.5004% | 3,759 |
| Net loans and leases to core deposits | 69.3952% | 2,920 |
| Total domestic deposits to total assets | 83.9784% | 3,440 |
| Equity capital to assets | 9.6252% | 3,072 |
| Core capital (leverage) ratio | 9.2088% | 3,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $324,132,500 | 2,321 |
| Average earning assets | $308,491,000 | 2,282 |
| Average equity | $32,275,000 | 2,428 |
| Average total loans | $157,188,000 | 2,624 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5720% | 3,869 |
| Cost of funding earning assets | 0.5650% | 2,537 |
| Net interest margin | 3.0070% | 3,867 |
| Noninterest income to average assets | 0.4888% | 2,678 |
| Noninterest expense to average assets | 2.4963% | 2,860 |
| Loan and lease loss provision to assets | 0.1311% | 2,723 |
| Net operating income to assets | 0.6122% | 3,707 |
| Return on assets (ROA) | 0.6455% | 3,734 |
| Pretax return on assets | 0.7474% | 3,771 |
| Return on Equity (ROE) | 6.3572% | 3,466 |
| Retained earnings to average equity (ytd only) | 4.1843% | 2,723 |
| Net charge-offs to loans | 0.0028% | 3,284 |
| Credit loss provision to net charge-offs | 10,000.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 640.5000% | 182 |
| Efficiency ratio | 74.8256% | 1,352 |
| Assets per employee ($millions) | 4.7050% | 3,712 |
| Cash dividends to net income (ytd only)* | 34.1798% | 2,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1613% | 3,152 |
| Loan loss allowance to noncurrent loans | 181.3131% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 0.3258% | 2,690 |
| Noncurrent loans to loans | 0.6405% | 2,081 |
| Net loans and leases to total assets | 48.4637% | 3,943 |
| Net loans and leases to deposits | 59.1897% | 3,813 |
| Net loans and leases to core deposits | 74.7247% | 2,843 |
| Total domestic deposits to total assets | 81.8785% | 3,688 |
| Equity capital to assets | 10.3082% | 2,823 |
| Core capital (leverage) ratio | 9.5370% | 3,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $305,051,600 | 2,273 |
| Average earning assets | $288,857,000 | 2,231 |
| Average equity | $30,972,800 | 2,434 |
| Average total loans | $145,007,200 | 2,709 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6502% | 3,911 |
| Cost of funding earning assets | 0.6067% | 2,571 |
| Net interest margin | 3.0435% | 3,878 |
| Noninterest income to average assets | 0.3610% | 3,303 |
| Noninterest expense to average assets | 2.4567% | 2,970 |
| Loan and lease loss provision to assets | 0.0883% | 3,207 |
| Net operating income to assets | 0.6007% | 3,764 |
| Return on assets (ROA) | 0.6391% | 3,758 |
| Pretax return on assets | 0.7387% | 3,802 |
| Return on Equity (ROE) | 6.3195% | 3,444 |
| Retained earnings to average equity (ytd only) | 4.9118% | 2,596 |
| Net charge-offs to loans | -0.0037% | 3,988 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8367% | 1,218 |
| Assets per employee ($millions) | 4.4539% | 3,900 |
| Cash dividends to net income (ytd only)* | 22.2759% | 2,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0425% | 3,507 |
| Loan loss allowance to noncurrent loans | 148.9322% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 0.3406% | 2,772 |
| Noncurrent loans to loans | 0.7000% | 2,043 |
| Net loans and leases to total assets | 48.1463% | 4,207 |
| Net loans and leases to deposits | 58.8367% | 4,126 |
| Net loans and leases to core deposits | 79.7517% | 2,865 |
| Total domestic deposits to total assets | 81.8303% | 3,466 |
| Equity capital to assets | 10.2263% | 3,036 |
| Core capital (leverage) ratio | 9.5331% | 3,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $302,506,000 | 2,267 |
| Average earning assets | $286,111,250 | 2,232 |
| Average equity | $30,592,250 | 2,444 |
| Average total loans | $142,616,750 | 2,729 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7557% | 3,975 |
| Cost of funding earning assets | 0.6838% | 2,481 |
| Net interest margin | 3.0719% | 3,962 |
| Noninterest income to average assets | 0.3034% | 3,648 |
| Noninterest expense to average assets | 2.4737% | 3,037 |
| Loan and lease loss provision to assets | 0.1343% | 2,667 |
| Net operating income to assets | 0.5296% | 3,934 |
| Return on assets (ROA) | 0.5894% | 3,856 |
| Pretax return on assets | 0.6639% | 3,944 |
| Return on Equity (ROE) | 5.8513% | 3,566 |
| Retained earnings to average equity (ytd only) | 3.6987% | 3,066 |
| Net charge-offs to loans | -0.0187% | 4,383 |
| Credit loss provision to net charge-offs | -1,538.4615% | 3,842 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1889% | 1,136 |
| Assets per employee ($millions) | 4.3758% | 3,932 |
| Cash dividends to net income (ytd only)* | 36.7882% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0997% | 3,063 |
| Loan loss allowance to noncurrent loans | 113.1136% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 0.4590% | 2,485 |
| Noncurrent loans to loans | 0.9722% | 1,591 |
| Net loans and leases to total assets | 46.6905% | 4,327 |
| Net loans and leases to deposits | 56.5934% | 4,274 |
| Net loans and leases to core deposits | 76.2754% | 3,260 |
| Total domestic deposits to total assets | 82.5017% | 3,236 |
| Equity capital to assets | 10.1718% | 3,044 |
| Core capital (leverage) ratio | 9.5216% | 3,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $297,933,333 | 2,267 |
| Average earning assets | $281,389,000 | 2,240 |
| Average equity | $30,010,333 | 2,462 |
| Average total loans | $138,871,000 | 2,759 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9500% | 3,932 |
| Cost of funding earning assets | 0.8110% | 2,318 |
| Net interest margin | 3.1390% | 4,012 |
| Noninterest income to average assets | 0.2524% | 4,038 |
| Noninterest expense to average assets | 2.7013% | 2,704 |
| Loan and lease loss provision to assets | 0.2744% | 1,137 |
| Net operating income to assets | 0.2222% | 4,490 |
| Return on assets (ROA) | 0.3498% | 4,277 |
| Pretax return on assets | 0.3704% | 4,349 |
| Return on Equity (ROE) | 3.4914% | 4,095 |
| Retained earnings to average equity (ytd only) | 3.4914% | 2,893 |
| Net charge-offs to loans | -0.0030% | 3,719 |
| Credit loss provision to net charge-offs | -20,000.0000% | 4,026 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1453% | 819 |
| Assets per employee ($millions) | 4.1233% | 3,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1585% | 2,888 |
| Loan loss allowance to noncurrent loans | 116.6910% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 0.4621% | 2,622 |
| Noncurrent loans to loans | 0.9928% | 1,665 |
| Net loans and leases to total assets | 46.0118% | 4,423 |
| Net loans and leases to deposits | 56.9564% | 4,326 |
| Net loans and leases to core deposits | 81.0537% | 3,105 |
| Total domestic deposits to total assets | 80.7844% | 3,711 |
| Equity capital to assets | 9.7346% | 4,008 |
| Core capital (leverage) ratio | 9.5695% | 3,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $291,559,000 | 2,257 |
| Average earning assets | $274,737,000 | 2,229 |
| Average equity | $29,214,500 | 2,501 |
| Average total loans | $134,970,500 | 2,775 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9891% | 4,286 |
| Cost of funding earning assets | 0.9869% | 1,781 |
| Net interest margin | 3.0022% | 4,511 |
| Noninterest income to average assets | 0.2813% | 3,999 |
| Noninterest expense to average assets | 2.5972% | 3,180 |
| Loan and lease loss provision to assets | 0.0350% | 3,309 |
| Net operating income to assets | 0.4407% | 4,516 |
| Return on assets (ROA) | 0.4560% | 4,530 |
| Pretax return on assets | 0.4879% | 4,595 |
| Return on Equity (ROE) | 4.6134% | 4,316 |
| Retained earnings to average equity (ytd only) | 2.2535% | 3,887 |
| Net charge-offs to loans | 0.0540% | 2,329 |
| Credit loss provision to net charge-offs | 144.9275% | 1,773 |
| Earnings coverage of net charge-offs (x) | 20.9565% | 1,910 |
| Efficiency ratio | 83.6813% | 677 |
| Assets per employee ($millions) | 3.9211% | 4,009 |
| Cash dividends to net income (ytd only)* | 51.1521% | 1,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0627% | 3,153 |
| Loan loss allowance to noncurrent loans | 114.0994% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 0.4287% | 2,675 |
| Noncurrent loans to loans | 0.9314% | 1,643 |
| Net loans and leases to total assets | 45.5356% | 4,538 |
| Net loans and leases to deposits | 57.3058% | 4,401 |
| Net loans and leases to core deposits | 86.0962% | 2,784 |
| Total domestic deposits to total assets | 79.4606% | 4,086 |
| Equity capital to assets | 10.3162% | 3,617 |
| Core capital (leverage) ratio | 9.8960% | 3,622 |
| Tier 1 risk-based capital ratio | 19.1781% | 1,483 |
| Total risk-based capital ratio | 20.1250% | 1,515 |
| Memoranda: | ||
| Average total assets | $285,500,000 | 2,248 |
| Average earning assets | $268,406,000 | 2,222 |
| Average equity | $28,222,200 | 2,483 |
| Average total loans | $127,881,200 | 2,844 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9884% | 4,387 |
| Cost of funding earning assets | 0.9939% | 1,791 |
| Net interest margin | 2.9945% | 4,630 |
| Noninterest income to average assets | 0.2645% | 4,160 |
| Noninterest expense to average assets | 2.5702% | 3,244 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4610% | 4,606 |
| Return on assets (ROA) | 0.4781% | 4,612 |
| Pretax return on assets | 0.5262% | 4,659 |
| Return on Equity (ROE) | 4.8896% | 4,355 |
| Retained earnings to average equity (ytd only) | 3.3457% | 3,730 |
| Net charge-offs to loans | 0.0021% | 3,368 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 542.3071% | 182 |
| Efficiency ratio | 83.5105% | 648 |
| Assets per employee ($millions) | 4.0013% | 3,900 |
| Cash dividends to net income (ytd only)* | 31.5740% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0557% | 3,247 |
| Loan loss allowance to noncurrent loans | 108.7510% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 0.4372% | 2,773 |
| Noncurrent loans to loans | 0.9708% | 1,648 |
| Net loans and leases to total assets | 43.8614% | 4,696 |
| Net loans and leases to deposits | 54.4012% | 4,611 |
| Net loans and leases to core deposits | 82.6699% | 3,203 |
| Total domestic deposits to total assets | 80.6257% | 3,843 |
| Equity capital to assets | 10.0951% | 3,926 |
| Core capital (leverage) ratio | 9.8261% | 3,817 |
| Tier 1 risk-based capital ratio | 20.2234% | 1,333 |
| Total risk-based capital ratio | 21.2068% | 1,339 |
| Memoranda: | ||
| Average total assets | $285,315,000 | 2,261 |
| Average earning assets | $268,036,000 | 2,238 |
| Average equity | $27,895,500 | 2,519 |
| Average total loans | $126,916,250 | 2,891 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9724% | 4,433 |
| Cost of funding earning assets | 0.9969% | 1,706 |
| Net interest margin | 2.9755% | 4,725 |
| Noninterest income to average assets | 0.2650% | 4,162 |
| Noninterest expense to average assets | 2.5832% | 3,234 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4366% | 4,661 |
| Return on assets (ROA) | 0.4600% | 4,648 |
| Pretax return on assets | 0.5017% | 4,699 |
| Return on Equity (ROE) | 4.7579% | 4,406 |
| Retained earnings to average equity (ytd only) | 2.3972% | 3,984 |
| Net charge-offs to loans | 0.0476% | 1,963 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 22.4667% | 1,692 |
| Efficiency ratio | 84.4342% | 625 |
| Assets per employee ($millions) | 3.8415% | 4,073 |
| Cash dividends to net income (ytd only)* | 49.6160% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0488% | 3,337 |
| Loan loss allowance to noncurrent loans | 107.2917% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 0.4460% | 2,737 |
| Noncurrent loans to loans | 0.9775% | 1,674 |
| Net loans and leases to total assets | 44.4409% | 4,706 |
| Net loans and leases to deposits | 54.5740% | 4,661 |
| Net loans and leases to core deposits | 82.8512% | 3,210 |
| Total domestic deposits to total assets | 81.4324% | 3,684 |
| Equity capital to assets | 10.1360% | 3,852 |
| Core capital (leverage) ratio | 9.8806% | 3,730 |
| Tier 1 risk-based capital ratio | 18.7222% | 1,616 |
| Total risk-based capital ratio | 19.6284% | 1,663 |
| Memoranda: | ||
| Average total assets | $283,055,670 | 2,278 |
| Average earning assets | $265,834,670 | 2,261 |
| Average equity | $27,365,000 | 2,542 |
| Average total loans | $126,060,670 | 2,916 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0026% | 4,361 |
| Cost of funding earning assets | 0.9708% | 1,696 |
| Net interest margin | 3.0317% | 4,706 |
| Noninterest income to average assets | 0.2549% | 4,184 |
| Noninterest expense to average assets | 2.5166% | 3,453 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5240% | 4,452 |
| Return on assets (ROA) | 0.5240% | 4,472 |
| Pretax return on assets | 0.5821% | 4,548 |
| Return on Equity (ROE) | 5.5555% | 4,172 |
| Retained earnings to average equity (ytd only) | 5.5555% | 2,666 |
| Net charge-offs to loans | 0.1373% | 923 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 9.5581% | 2,014 |
| Efficiency ratio | 81.2157% | 949 |
| Assets per employee ($millions) | 3.9343% | 4,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0613% | 3,351 |
| Loan loss allowance to noncurrent loans | 167.6359% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 0.2928% | 3,436 |
| Noncurrent loans to loans | 0.6331% | 2,430 |
| Net loans and leases to total assets | 43.0410% | 4,787 |
| Net loans and leases to deposits | 51.9884% | 4,757 |
| Net loans and leases to core deposits | 85.2595% | 2,934 |
| Total domestic deposits to total assets | 82.7896% | 3,464 |
| Equity capital to assets | 9.5333% | 4,227 |
| Core capital (leverage) ratio | 9.5681% | 4,059 |
| Tier 1 risk-based capital ratio | 18.5224% | 1,655 |
| Total risk-based capital ratio | 19.4217% | 1,700 |
| Memoranda: | ||
| Average total assets | $282,446,500 | 2,299 |
| Average earning assets | $264,930,500 | 2,283 |
| Average equity | $26,640,500 | 2,598 |
| Average total loans | $125,254,500 | 2,958 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8447% | 4,397 |
| Cost of funding earning assets | 0.8314% | 1,381 |
| Net interest margin | 3.0133% | 4,786 |
| Noninterest income to average assets | 0.2775% | 4,244 |
| Noninterest expense to average assets | 2.5483% | 3,473 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5157% | 4,626 |
| Return on assets (ROA) | 0.5157% | 4,626 |
| Pretax return on assets | 0.5526% | 4,716 |
| Return on Equity (ROE) | 5.7293% | 4,257 |
| Retained earnings to average equity (ytd only) | 3.0953% | 3,845 |
| Net charge-offs to loans | 0.1207% | 1,528 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 10.2434% | 2,741 |
| Efficiency ratio | 82.1792% | 789 |
| Assets per employee ($millions) | 3.8568% | 4,095 |
| Cash dividends to net income (ytd only)* | 45.9738% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0903% | 3,169 |
| Loan loss allowance to noncurrent loans | 235.2234% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 0.2276% | 3,692 |
| Noncurrent loans to loans | 0.4635% | 2,884 |
| Net loans and leases to total assets | 44.7257% | 4,791 |
| Net loans and leases to deposits | 54.1163% | 4,746 |
| Net loans and leases to core deposits | 93.7952% | 2,243 |
| Total domestic deposits to total assets | 82.6474% | 3,438 |
| Equity capital to assets | 9.3274% | 4,295 |
| Core capital (leverage) ratio | 9.8444% | 3,754 |
| Tier 1 risk-based capital ratio | 18.5286% | 1,613 |
| Total risk-based capital ratio | 19.4579% | 1,645 |
| Memoranda: | ||
| Average total assets | $281,758,200 | 2,259 |
| Average earning assets | $263,998,600 | 2,235 |
| Average equity | $25,360,800 | 2,618 |
| Average total loans | $125,887,600 | 2,930 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7771% | 4,487 |
| Cost of funding earning assets | 0.7771% | 1,437 |
| Net interest margin | 3.0000% | 4,843 |
| Noninterest income to average assets | 0.2589% | 4,426 |
| Noninterest expense to average assets | 2.4815% | 3,649 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5361% | 4,682 |
| Return on assets (ROA) | 0.5361% | 4,688 |
| Pretax return on assets | 0.5880% | 4,754 |
| Return on Equity (ROE) | 6.0096% | 4,263 |
| Retained earnings to average equity (ytd only) | 4.3024% | 3,610 |
| Net charge-offs to loans | 0.0868% | 1,637 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 15.2074% | 2,242 |
| Efficiency ratio | 80.8449% | 872 |
| Assets per employee ($millions) | 3.9234% | 4,013 |
| Cash dividends to net income (ytd only)* | 28.4084% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1141% | 3,110 |
| Loan loss allowance to noncurrent loans | 206.4562% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 0.2644% | 3,629 |
| Noncurrent loans to loans | 0.5396% | 2,763 |
| Net loans and leases to total assets | 45.2148% | 4,832 |
| Net loans and leases to deposits | 54.6216% | 4,801 |
| Net loans and leases to core deposits | 94.0863% | 2,280 |
| Total domestic deposits to total assets | 82.7782% | 3,381 |
| Equity capital to assets | 8.6989% | 4,795 |
| Core capital (leverage) ratio | 9.2887% | 4,415 |
| Tier 1 risk-based capital ratio | 17.2328% | 2,009 |
| Total risk-based capital ratio | 18.1768% | 2,086 |
| Memoranda: | ||
| Average total assets | $282,775,750 | 2,263 |
| Average earning assets | $264,924,500 | 2,239 |
| Average equity | $25,225,750 | 2,644 |
| Average total loans | $125,967,750 | 2,956 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7163% | 4,546 |
| Cost of funding earning assets | 0.7241% | 1,502 |
| Net interest margin | 2.9922% | 4,886 |
| Noninterest income to average assets | 0.2574% | 4,472 |
| Noninterest expense to average assets | 2.4562% | 3,758 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5508% | 4,628 |
| Return on assets (ROA) | 0.5508% | 4,629 |
| Pretax return on assets | 0.6059% | 4,728 |
| Return on Equity (ROE) | 6.1234% | 4,185 |
| Retained earnings to average equity (ytd only) | 3.5844% | 3,806 |
| Net charge-offs to loans | 0.1041% | 1,314 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 13.1846% | 2,160 |
| Efficiency ratio | 80.2124% | 995 |
| Assets per employee ($millions) | 3.9634% | 3,962 |
| Cash dividends to net income (ytd only)* | 41.4634% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1287% | 3,104 |
| Loan loss allowance to noncurrent loans | 206.2323% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 0.2614% | 3,713 |
| Noncurrent loans to loans | 0.5473% | 2,777 |
| Net loans and leases to total assets | 44.6935% | 4,877 |
| Net loans and leases to deposits | 53.9671% | 4,848 |
| Net loans and leases to core deposits | 89.9905% | 2,570 |
| Total domestic deposits to total assets | 82.8161% | 3,463 |
| Equity capital to assets | 8.7095% | 4,792 |
| Core capital (leverage) ratio | 9.2704% | 4,394 |
| Tier 1 risk-based capital ratio | 19.2911% | 1,475 |
| Total risk-based capital ratio | 20.3681% | 1,486 |
| Memoranda: | ||
| Average total assets | $282,872,670 | 2,264 |
| Average earning assets | $265,156,670 | 2,249 |
| Average equity | $25,443,330 | 2,635 |
| Average total loans | $124,902,330 | 2,983 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6279% | 4,643 |
| Cost of funding earning assets | 0.6592% | 1,664 |
| Net interest margin | 2.9687% | 4,919 |
| Noninterest income to average assets | 0.2500% | 4,508 |
| Noninterest expense to average assets | 2.4813% | 3,708 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4985% | 4,696 |
| Return on assets (ROA) | 0.4985% | 4,702 |
| Pretax return on assets | 0.5511% | 4,789 |
| Return on Equity (ROE) | 5.4550% | 4,332 |
| Retained earnings to average equity (ytd only) | 5.4550% | 2,971 |
| Net charge-offs to loans | 0.1498% | 931 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 8.4348% | 2,031 |
| Efficiency ratio | 81.8267% | 965 |
| Assets per employee ($millions) | 3.9167% | 4,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2020% | 2,795 |
| Loan loss allowance to noncurrent loans | 172.7166% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 0.4142% | 3,174 |
| Noncurrent loans to loans | 0.6959% | 2,471 |
| Net loans and leases to total assets | 42.9908% | 4,943 |
| Net loans and leases to deposits | 51.8539% | 4,886 |
| Net loans and leases to core deposits | 77.6943% | 3,520 |
| Total domestic deposits to total assets | 82.9076% | 3,698 |
| Equity capital to assets | 8.8358% | 4,717 |
| Core capital (leverage) ratio | 9.2777% | 4,348 |
| Tier 1 risk-based capital ratio | 17.7740% | 1,898 |
| Total risk-based capital ratio | 18.7815% | 1,920 |
| Memoranda: | ||
| Average total assets | $281,626,000 | 2,292 |
| Average earning assets | $263,957,000 | 2,274 |
| Average equity | $25,738,000 | 2,638 |
| Average total loans | $122,855,500 | 3,028 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6023% | 4,573 |
| Cost of funding earning assets | 0.5813% | 1,729 |
| Net interest margin | 3.0210% | 4,840 |
| Noninterest income to average assets | 0.2696% | 4,509 |
| Noninterest expense to average assets | 2.4509% | 3,933 |
| Loan and lease loss provision to assets | 0.0281% | 3,716 |
| Net operating income to assets | 0.3140% | 4,904 |
| Return on assets (ROA) | 0.3518% | 4,849 |
| Pretax return on assets | 0.6797% | 4,560 |
| Return on Equity (ROE) | 3.7342% | 4,591 |
| Retained earnings to average equity (ytd only) | 1.3081% | 4,501 |
| Net charge-offs to loans | 0.1962% | 1,300 |
| Credit loss provision to net charge-offs | 33.6134% | 3,504 |
| Earnings coverage of net charge-offs (x) | 7.7647% | 2,996 |
| Efficiency ratio | 79.0690% | 1,214 |
| Assets per employee ($millions) | 3.9063% | 4,112 |
| Cash dividends to net income (ytd only)* | 64.9701% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2366% | 2,557 |
| Loan loss allowance to noncurrent loans | 139.1583% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 0.3957% | 3,274 |
| Noncurrent loans to loans | 0.8886% | 2,004 |
| Net loans and leases to total assets | 43.1929% | 5,019 |
| Net loans and leases to deposits | 52.5617% | 4,956 |
| Net loans and leases to core deposits | 82.5984% | 3,190 |
| Total domestic deposits to total assets | 82.1756% | 3,825 |
| Equity capital to assets | 9.4432% | 4,277 |
| Core capital (leverage) ratio | 9.3436% | 4,237 |
| Tier 1 risk-based capital ratio | 18.0334% | 1,796 |
| Total risk-based capital ratio | 19.0887% | 1,794 |
| Memoranda: | ||
| Average total assets | $284,838,200 | 2,256 |
| Average earning assets | $266,831,600 | 2,232 |
| Average equity | $26,832,800 | 2,554 |
| Average total loans | $121,303,000 | 3,041 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5531% | 4,678 |
| Cost of funding earning assets | 0.5557% | 1,848 |
| Net interest margin | 2.9974% | 4,926 |
| Noninterest income to average assets | 0.2445% | 4,738 |
| Noninterest expense to average assets | 2.3214% | 4,240 |
| Loan and lease loss provision to assets | 0.0373% | 3,361 |
| Net operating income to assets | 0.5699% | 4,509 |
| Return on assets (ROA) | 0.6341% | 4,314 |
| Pretax return on assets | 0.7704% | 4,426 |
| Return on Equity (ROE) | 6.7356% | 3,795 |
| Retained earnings to average equity (ytd only) | 5.1347% | 2,787 |
| Net charge-offs to loans | 0.1335% | 1,461 |
| Credit loss provision to net charge-offs | 66.1157% | 2,736 |
| Earnings coverage of net charge-offs (x) | 12.9173% | 2,388 |
| Efficiency ratio | 76.0936% | 1,574 |
| Assets per employee ($millions) | 4.0071% | 3,983 |
| Cash dividends to net income (ytd only)* | 23.7678% | 2,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3371% | 2,172 |
| Loan loss allowance to noncurrent loans | 97.3262% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 0.5944% | 2,734 |
| Noncurrent loans to loans | 1.3739% | 1,370 |
| Net loans and leases to total assets | 41.8914% | 5,118 |
| Net loans and leases to deposits | 50.9208% | 5,092 |
| Net loans and leases to core deposits | 76.7461% | 3,748 |
| Total domestic deposits to total assets | 82.2677% | 3,692 |
| Equity capital to assets | 9.6793% | 4,267 |
| Core capital (leverage) ratio | 9.8379% | 3,772 |
| Tier 1 risk-based capital ratio | 19.2808% | 1,525 |
| Total risk-based capital ratio | 20.4056% | 1,509 |
| Memoranda: | ||
| Average total assets | $285,735,250 | 2,267 |
| Average earning assets | $267,517,000 | 2,239 |
| Average equity | $26,901,250 | 2,570 |
| Average total loans | $120,878,500 | 3,069 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5065% | 4,750 |
| Cost of funding earning assets | 0.5379% | 1,857 |
| Net interest margin | 2.9686% | 4,974 |
| Noninterest income to average assets | 0.2226% | 4,915 |
| Noninterest expense to average assets | 2.3117% | 4,311 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5835% | 4,374 |
| Return on assets (ROA) | 0.5835% | 4,429 |
| Pretax return on assets | 0.6896% | 4,579 |
| Return on Equity (ROE) | 6.2576% | 3,928 |
| Retained earnings to average equity (ytd only) | 3.8253% | 3,414 |
| Net charge-offs to loans | 0.2011% | 1,003 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 8.1157% | 2,536 |
| Efficiency ratio | 77.0239% | 1,581 |
| Assets per employee ($millions) | 4.0060% | 3,946 |
| Cash dividends to net income (ytd only)* | 38.8688% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2242% | 2,872 |
| Loan loss allowance to noncurrent loans | 82.6525% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 0.6674% | 2,539 |
| Noncurrent loans to loans | 1.4812% | 1,275 |
| Net loans and leases to total assets | 43.5830% | 5,064 |
| Net loans and leases to deposits | 53.5245% | 4,987 |
| Net loans and leases to core deposits | 80.8889% | 3,355 |
| Total domestic deposits to total assets | 81.4264% | 4,068 |
| Equity capital to assets | 9.5922% | 4,322 |
| Core capital (leverage) ratio | 9.7847% | 3,796 |
| Tier 1 risk-based capital ratio | 18.1248% | 1,818 |
| Total risk-based capital ratio | 19.1497% | 1,834 |
| Memoranda: | ||
| Average total assets | $284,809,330 | 2,279 |
| Average earning assets | $266,587,000 | 2,257 |
| Average equity | $26,559,670 | 2,592 |
| Average total loans | $120,338,000 | 3,084 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4726% | 4,771 |
| Cost of funding earning assets | 0.5218% | 1,929 |
| Net interest margin | 2.9508% | 4,994 |
| Noninterest income to average assets | 0.1993% | 5,073 |
| Noninterest expense to average assets | 2.3194% | 4,354 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5470% | 4,392 |
| Return on assets (ROA) | 0.5470% | 4,434 |
| Pretax return on assets | 0.6375% | 4,635 |
| Return on Equity (ROE) | 5.9525% | 3,939 |
| Retained earnings to average equity (ytd only) | 5.9525% | 2,370 |
| Net charge-offs to loans | 0.0616% | 1,713 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 25.0556% | 1,338 |
| Efficiency ratio | 78.4417% | 1,572 |
| Assets per employee ($millions) | 4.0170% | 3,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3788% | 2,169 |
| Loan loss allowance to noncurrent loans | 87.7907% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 0.6809% | 2,591 |
| Noncurrent loans to loans | 1.5706% | 1,249 |
| Net loans and leases to total assets | 41.6558% | 5,178 |
| Net loans and leases to deposits | 50.4469% | 5,103 |
| Net loans and leases to core deposits | 71.8213% | 3,998 |
| Total domestic deposits to total assets | 82.5735% | 3,980 |
| Equity capital to assets | 9.2651% | 4,548 |
| Core capital (leverage) ratio | 9.6912% | 3,881 |
| Tier 1 risk-based capital ratio | 18.4830% | 1,747 |
| Total risk-based capital ratio | 19.6023% | 1,737 |
| Memoranda: | ||
| Average total assets | $282,998,500 | 2,302 |
| Average earning assets | $264,474,000 | 2,288 |
| Average equity | $26,006,000 | 2,641 |
| Average total loans | $116,874,500 | 3,164 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5329% | 4,685 |
| Cost of funding earning assets | 0.5110% | 2,005 |
| Net interest margin | 3.0219% | 4,914 |
| Noninterest income to average assets | 0.2654% | 4,831 |
| Noninterest expense to average assets | 2.5713% | 3,770 |
| Loan and lease loss provision to assets | 0.1597% | 1,548 |
| Net operating income to assets | 0.3518% | 5,079 |
| Return on assets (ROA) | 0.5017% | 4,699 |
| Pretax return on assets | 0.5134% | 4,996 |
| Return on Equity (ROE) | 5.1273% | 4,359 |
| Retained earnings to average equity (ytd only) | 2.7123% | 3,977 |
| Net charge-offs to loans | 0.7008% | 311 |
| Credit loss provision to net charge-offs | 55.4871% | 3,315 |
| Earnings coverage of net charge-offs (x) | 1.8076% | 3,936 |
| Efficiency ratio | 83.1746% | 1,087 |
| Assets per employee ($millions) | 3.9548% | 4,051 |
| Cash dividends to net income (ytd only)* | 47.1004% | 2,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4821% | 1,744 |
| Loan loss allowance to noncurrent loans | 38.4123% | 4,929 |
| Noncurrent assets plus other real estate owned to assets | 1.6158% | 981 |
| Noncurrent loans to loans | 3.8585% | 284 |
| Net loans and leases to total assets | 39.7464% | 5,327 |
| Net loans and leases to deposits | 49.7572% | 5,223 |
| Net loans and leases to core deposits | 72.7619% | 4,031 |
| Total domestic deposits to total assets | 79.8806% | 4,601 |
| Equity capital to assets | 9.1126% | 4,691 |
| Core capital (leverage) ratio | 9.6934% | 3,866 |
| Tier 1 risk-based capital ratio | 18.8338% | 1,639 |
| Total risk-based capital ratio | 20.0032% | 1,633 |
| Memoranda: | ||
| Average total assets | $281,843,600 | 2,275 |
| Average earning assets | $263,576,800 | 2,256 |
| Average equity | $27,577,800 | 2,530 |
| Average total loans | $115,727,200 | 3,132 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5555% | 4,671 |
| Cost of funding earning assets | 0.4997% | 2,107 |
| Net interest margin | 3.0558% | 4,885 |
| Noninterest income to average assets | 0.2590% | 4,910 |
| Noninterest expense to average assets | 2.4383% | 4,168 |
| Loan and lease loss provision to assets | 0.1418% | 1,653 |
| Net operating income to assets | 0.4569% | 4,845 |
| Return on assets (ROA) | 0.6276% | 4,295 |
| Pretax return on assets | 0.7382% | 4,504 |
| Return on Equity (ROE) | 6.3066% | 3,924 |
| Retained earnings to average equity (ytd only) | 4.7727% | 2,978 |
| Net charge-offs to loans | 0.7770% | 235 |
| Credit loss provision to net charge-offs | 44.2478% | 3,107 |
| Earnings coverage of net charge-offs (x) | 2.1195% | 3,618 |
| Efficiency ratio | 78.2141% | 1,659 |
| Assets per employee ($millions) | 3.9802% | 4,000 |
| Cash dividends to net income (ytd only)* | 24.3226% | 3,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4541% | 1,959 |
| Loan loss allowance to noncurrent loans | 50.0602% | 4,730 |
| Noncurrent assets plus other real estate owned to assets | 1.3734% | 1,361 |
| Noncurrent loans to loans | 2.9048% | 539 |
| Net loans and leases to total assets | 39.8566% | 5,385 |
| Net loans and leases to deposits | 49.4046% | 5,326 |
| Net loans and leases to core deposits | 70.6808% | 4,271 |
| Total domestic deposits to total assets | 80.6740% | 4,331 |
| Equity capital to assets | 10.1605% | 3,966 |
| Core capital (leverage) ratio | 9.6516% | 3,995 |
| Tier 1 risk-based capital ratio | 19.3834% | 1,577 |
| Total risk-based capital ratio | 20.5635% | 1,558 |
| Memoranda: | ||
| Average total assets | $282,107,500 | 2,277 |
| Average earning assets | $263,886,000 | 2,267 |
| Average equity | $28,075,500 | 2,528 |
| Average total loans | $116,338,500 | 3,135 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6023% | 4,579 |
| Cost of funding earning assets | 0.4936% | 2,159 |
| Net interest margin | 3.1087% | 4,808 |
| Noninterest income to average assets | 0.2532% | 4,957 |
| Noninterest expense to average assets | 2.4657% | 4,133 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5744% | 4,379 |
| Return on assets (ROA) | 0.7086% | 3,899 |
| Pretax return on assets | 0.8576% | 4,093 |
| Return on Equity (ROE) | 7.1708% | 3,448 |
| Retained earnings to average equity (ytd only) | 4.8523% | 2,819 |
| Net charge-offs to loans | 0.4649% | 478 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 3.6066% | 3,083 |
| Efficiency ratio | 77.9897% | 1,795 |
| Assets per employee ($millions) | 4.1095% | 3,721 |
| Cash dividends to net income (ytd only)* | 32.3323% | 2,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5036% | 1,845 |
| Loan loss allowance to noncurrent loans | 40.3377% | 5,045 |
| Noncurrent assets plus other real estate owned to assets | 1.6161% | 1,137 |
| Noncurrent loans to loans | 3.7275% | 344 |
| Net loans and leases to total assets | 40.2619% | 5,406 |
| Net loans and leases to deposits | 49.9347% | 5,339 |
| Net loans and leases to core deposits | 71.3523% | 4,226 |
| Total domestic deposits to total assets | 80.6291% | 4,383 |
| Equity capital to assets | 9.9234% | 4,318 |
| Core capital (leverage) ratio | 9.5762% | 4,098 |
| Tier 1 risk-based capital ratio | 18.3706% | 1,834 |
| Total risk-based capital ratio | 19.5748% | 1,806 |
| Memoranda: | ||
| Average total assets | $281,945,670 | 2,291 |
| Average earning assets | $263,775,330 | 2,272 |
| Average equity | $27,863,000 | 2,545 |
| Average total loans | $117,020,000 | 3,128 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5902% | 4,640 |
| Cost of funding earning assets | 0.4908% | 2,174 |
| Net interest margin | 3.0995% | 4,861 |
| Noninterest income to average assets | 0.2465% | 4,973 |
| Noninterest expense to average assets | 2.5268% | 3,992 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5408% | 4,463 |
| Return on assets (ROA) | 0.5862% | 4,357 |
| Pretax return on assets | 0.6679% | 4,628 |
| Return on Equity (ROE) | 5.9444% | 4,016 |
| Retained earnings to average equity (ytd only) | 5.9444% | 2,402 |
| Net charge-offs to loans | 0.5414% | 401 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 2.7215% | 2,644 |
| Efficiency ratio | 80.3922% | 1,560 |
| Assets per employee ($millions) | 4.0230% | 3,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6076% | 1,582 |
| Loan loss allowance to noncurrent loans | 25.2889% | 5,377 |
| Noncurrent assets plus other real estate owned to assets | 2.7751% | 489 |
| Noncurrent loans to loans | 6.3569% | 128 |
| Net loans and leases to total assets | 40.9026% | 5,404 |
| Net loans and leases to deposits | 49.9272% | 5,341 |
| Net loans and leases to core deposits | 71.4888% | 4,104 |
| Total domestic deposits to total assets | 81.9245% | 4,250 |
| Equity capital to assets | 9.8848% | 4,236 |
| Core capital (leverage) ratio | 9.5397% | 4,115 |
| Tier 1 risk-based capital ratio | 18.5313% | 1,848 |
| Total risk-based capital ratio | 19.7818% | 1,803 |
| Memoranda: | ||
| Average total assets | $279,086,500 | 2,319 |
| Average earning assets | $260,820,000 | 2,298 |
| Average equity | $27,521,500 | 2,562 |
| Average total loans | $116,736,500 | 3,137 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7443% | 4,217 |
| Cost of funding earning assets | 0.4887% | 2,272 |
| Net interest margin | 3.2556% | 4,451 |
| Noninterest income to average assets | 0.2783% | 4,893 |
| Noninterest expense to average assets | 2.5395% | 4,106 |
| Loan and lease loss provision to assets | 0.3739% | 380 |
| Net operating income to assets | 0.4106% | 5,022 |
| Return on assets (ROA) | 0.5485% | 4,602 |
| Pretax return on assets | 0.5455% | 5,000 |
| Return on Equity (ROE) | 5.4860% | 4,290 |
| Retained earnings to average equity (ytd only) | 3.0070% | 3,919 |
| Net charge-offs to loans | 0.8250% | 266 |
| Credit loss provision to net charge-offs | 105.8091% | 2,376 |
| Earnings coverage of net charge-offs (x) | 2.2116% | 3,952 |
| Efficiency ratio | 76.4654% | 2,197 |
| Assets per employee ($millions) | 4.1278% | 3,703 |
| Cash dividends to net income (ytd only)* | 45.1872% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7525% | 1,234 |
| Loan loss allowance to noncurrent loans | 25.0337% | 5,408 |
| Noncurrent assets plus other real estate owned to assets | 3.0648% | 427 |
| Noncurrent loans to loans | 7.0006% | 105 |
| Net loans and leases to total assets | 41.3523% | 5,448 |
| Net loans and leases to deposits | 50.6020% | 5,357 |
| Net loans and leases to core deposits | 74.2927% | 3,912 |
| Total domestic deposits to total assets | 81.7208% | 4,252 |
| Equity capital to assets | 9.8373% | 4,149 |
| Core capital (leverage) ratio | 9.6205% | 4,020 |
| Tier 1 risk-based capital ratio | 19.1530% | 1,669 |
| Total risk-based capital ratio | 20.4059% | 1,622 |
| Memoranda: | ||
| Average total assets | $272,765,200 | 2,318 |
| Average earning assets | $254,949,200 | 2,307 |
| Average equity | $27,269,400 | 2,521 |
| Average total loans | $116,853,800 | 3,097 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7618% | 4,213 |
| Cost of funding earning assets | 0.4834% | 2,376 |
| Net interest margin | 3.2784% | 4,431 |
| Noninterest income to average assets | 0.2511% | 5,143 |
| Noninterest expense to average assets | 2.4369% | 4,398 |
| Loan and lease loss provision to assets | 0.1226% | 1,856 |
| Net operating income to assets | 0.6383% | 4,197 |
| Return on assets (ROA) | 0.7917% | 3,557 |
| Pretax return on assets | 0.9359% | 3,864 |
| Return on Equity (ROE) | 7.8869% | 3,136 |
| Retained earnings to average equity (ytd only) | 6.2596% | 2,085 |
| Net charge-offs to loans | 0.3739% | 691 |
| Credit loss provision to net charge-offs | 76.2195% | 2,667 |
| Earnings coverage of net charge-offs (x) | 5.4574% | 3,201 |
| Efficiency ratio | 73.5129% | 2,635 |
| Assets per employee ($millions) | 4.2839% | 3,348 |
| Cash dividends to net income (ytd only)* | 20.6320% | 3,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6229% | 1,710 |
| Loan loss allowance to noncurrent loans | 41.7433% | 5,176 |
| Noncurrent assets plus other real estate owned to assets | 1.8130% | 1,177 |
| Noncurrent loans to loans | 3.8877% | 349 |
| Net loans and leases to total assets | 42.8107% | 5,437 |
| Net loans and leases to deposits | 53.6134% | 5,275 |
| Net loans and leases to core deposits | 76.0913% | 3,791 |
| Total domestic deposits to total assets | 79.8508% | 4,781 |
| Equity capital to assets | 10.2265% | 3,897 |
| Core capital (leverage) ratio | 9.6479% | 4,109 |
| Tier 1 risk-based capital ratio | 19.1928% | 1,727 |
| Total risk-based capital ratio | 20.4446% | 1,695 |
| Memoranda: | ||
| Average total assets | $271,816,500 | 2,341 |
| Average earning assets | $254,020,500 | 2,325 |
| Average equity | $27,285,250 | 2,532 |
| Average total loans | $116,966,250 | 3,119 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7397% | 4,278 |
| Cost of funding earning assets | 0.4811% | 2,422 |
| Net interest margin | 3.2586% | 4,462 |
| Noninterest income to average assets | 0.2944% | 4,858 |
| Noninterest expense to average assets | 2.3622% | 4,688 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8038% | 3,367 |
| Return on assets (ROA) | 0.8508% | 3,227 |
| Pretax return on assets | 1.0372% | 3,430 |
| Return on Equity (ROE) | 8.5282% | 2,786 |
| Retained earnings to average equity (ytd only) | 6.0779% | 2,189 |
| Net charge-offs to loans | 0.0907% | 2,122 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 25.1887% | 1,533 |
| Efficiency ratio | 70.6787% | 3,223 |
| Assets per employee ($millions) | 4.5374% | 2,927 |
| Cash dividends to net income (ytd only)* | 28.7317% | 2,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6408% | 1,785 |
| Loan loss allowance to noncurrent loans | 46.8917% | 5,085 |
| Noncurrent assets plus other real estate owned to assets | 1.6039% | 1,504 |
| Noncurrent loans to loans | 3.4991% | 500 |
| Net loans and leases to total assets | 41.1476% | 5,565 |
| Net loans and leases to deposits | 51.2408% | 5,430 |
| Net loans and leases to core deposits | 74.0682% | 3,951 |
| Total domestic deposits to total assets | 80.3024% | 4,795 |
| Equity capital to assets | 9.6449% | 4,475 |
| Core capital (leverage) ratio | 9.5713% | 4,176 |
| Tier 1 risk-based capital ratio | 18.3543% | 1,966 |
| Total risk-based capital ratio | 19.6056% | 1,928 |
| Memoranda: | ||
| Average total assets | $272,460,000 | 2,353 |
| Average earning assets | $254,831,670 | 2,334 |
| Average equity | $27,180,330 | 2,551 |
| Average total loans | $116,806,330 | 3,142 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7737% | 4,117 |
| Cost of funding earning assets | 0.4775% | 2,477 |
| Net interest margin | 3.2962% | 4,235 |
| Noninterest income to average assets | 0.2880% | 4,867 |
| Noninterest expense to average assets | 2.4057% | 4,576 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7704% | 3,428 |
| Return on assets (ROA) | 0.7835% | 3,481 |
| Pretax return on assets | 0.9790% | 3,568 |
| Return on Equity (ROE) | 7.7195% | 3,113 |
| Retained earnings to average equity (ytd only) | 7.7195% | 1,679 |
| Net charge-offs to loans | -0.0172% | 4,974 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4222% | 3,265 |
| Assets per employee ($millions) | 4.3851% | 3,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6915% | 1,757 |
| Loan loss allowance to noncurrent loans | 114.5078% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 0.7838% | 3,151 |
| Noncurrent loans to loans | 1.4772% | 1,916 |
| Net loans and leases to total assets | 42.5178% | 5,447 |
| Net loans and leases to deposits | 52.3120% | 5,315 |
| Net loans and leases to core deposits | 78.0202% | 3,376 |
| Total domestic deposits to total assets | 81.2773% | 4,743 |
| Equity capital to assets | 10.1615% | 3,927 |
| Core capital (leverage) ratio | 9.7208% | 3,987 |
| Tier 1 risk-based capital ratio | 17.3209% | 2,375 |
| Total risk-based capital ratio | 18.6459% | 2,294 |
| Memoranda: | ||
| Average total assets | $268,030,500 | 2,400 |
| Average earning assets | $250,470,000 | 2,381 |
| Average equity | $27,204,000 | 2,559 |
| Average total loans | $116,366,000 | 3,156 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9309% | 4,013 |
| Cost of funding earning assets | 0.5254% | 2,430 |
| Net interest margin | 3.4055% | 4,174 |
| Noninterest income to average assets | 0.2737% | 5,162 |
| Noninterest expense to average assets | 2.4208% | 4,786 |
| Loan and lease loss provision to assets | 0.8658% | 140 |
| Net operating income to assets | 0.2688% | 5,599 |
| Return on assets (ROA) | 0.4126% | 5,240 |
| Pretax return on assets | 0.3124% | 5,680 |
| Return on Equity (ROE) | 4.1735% | 5,042 |
| Retained earnings to average equity (ytd only) | 1.6374% | 4,996 |
| Net charge-offs to loans | 0.9003% | 359 |
| Credit loss provision to net charge-offs | 215.9624% | 1,151 |
| Earnings coverage of net charge-offs (x) | 2.5803% | 4,116 |
| Efficiency ratio | 70.0621% | 3,520 |
| Assets per employee ($millions) | 4.2774% | 3,408 |
| Cash dividends to net income (ytd only)* | 60.7664% | 1,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9878% | 303 |
| Loan loss allowance to noncurrent loans | 105.7802% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 1.4076% | 1,973 |
| Noncurrent loans to loans | 2.8245% | 826 |
| Net loans and leases to total assets | 43.2438% | 5,520 |
| Net loans and leases to deposits | 53.5734% | 5,366 |
| Net loans and leases to core deposits | 84.3331% | 2,860 |
| Total domestic deposits to total assets | 80.7186% | 4,817 |
| Equity capital to assets | 10.4819% | 3,510 |
| Core capital (leverage) ratio | 10.0443% | 3,513 |
| Tier 1 risk-based capital ratio | 18.2407% | 2,069 |
| Total risk-based capital ratio | 19.5050% | 2,022 |
| Memoranda: | ||
| Average total assets | $265,655,600 | 2,381 |
| Average earning assets | $248,189,200 | 2,362 |
| Average equity | $26,261,000 | 2,548 |
| Average total loans | $118,289,200 | 3,078 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9218% | 4,090 |
| Cost of funding earning assets | 0.5346% | 2,422 |
| Net interest margin | 3.3872% | 4,287 |
| Noninterest income to average assets | 0.2624% | 5,332 |
| Noninterest expense to average assets | 2.3248% | 5,042 |
| Loan and lease loss provision to assets | 0.6522% | 197 |
| Net operating income to assets | 0.4199% | 5,176 |
| Return on assets (ROA) | 0.5925% | 4,568 |
| Pretax return on assets | 0.6316% | 4,927 |
| Return on Equity (ROE) | 6.0851% | 4,190 |
| Retained earnings to average equity (ytd only) | 4.3693% | 3,543 |
| Net charge-offs to loans | 1.1991% | 229 |
| Credit loss provision to net charge-offs | 122.1805% | 1,889 |
| Earnings coverage of net charge-offs (x) | 2.0611% | 4,000 |
| Efficiency ratio | 67.8775% | 3,880 |
| Assets per employee ($millions) | 4.2298% | 3,420 |
| Cash dividends to net income (ytd only)* | 28.1965% | 2,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1293% | 1,049 |
| Loan loss allowance to noncurrent loans | 74.3469% | 4,354 |
| Noncurrent assets plus other real estate owned to assets | 1.4662% | 2,100 |
| Noncurrent loans to loans | 2.8640% | 950 |
| Net loans and leases to total assets | 44.3958% | 5,496 |
| Net loans and leases to deposits | 54.9218% | 5,313 |
| Net loans and leases to core deposits | 87.3100% | 2,503 |
| Total domestic deposits to total assets | 80.8346% | 4,870 |
| Equity capital to assets | 10.4287% | 3,647 |
| Core capital (leverage) ratio | 10.1583% | 3,462 |
| Tier 1 risk-based capital ratio | 18.6046% | 2,017 |
| Total risk-based capital ratio | 19.8607% | 1,978 |
| Memoranda: | ||
| Average total assets | $265,769,750 | 2,407 |
| Average earning assets | $248,146,750 | 2,378 |
| Average equity | $25,876,750 | 2,592 |
| Average total loans | $118,308,000 | 3,090 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8955% | 4,151 |
| Cost of funding earning assets | 0.5288% | 2,552 |
| Net interest margin | 3.3667% | 4,331 |
| Noninterest income to average assets | 0.2412% | 5,467 |
| Noninterest expense to average assets | 2.3256% | 5,093 |
| Loan and lease loss provision to assets | 0.5994% | 234 |
| Net operating income to assets | 0.4773% | 4,905 |
| Return on assets (ROA) | 0.4773% | 4,975 |
| Pretax return on assets | 0.4600% | 5,392 |
| Return on Equity (ROE) | 5.0185% | 4,664 |
| Retained earnings to average equity (ytd only) | 2.3950% | 4,682 |
| Net charge-offs to loans | 0.7824% | 486 |
| Credit loss provision to net charge-offs | 173.1602% | 1,317 |
| Earnings coverage of net charge-offs (x) | 3.0606% | 3,396 |
| Efficiency ratio | 68.7030% | 3,879 |
| Assets per employee ($millions) | 4.3984% | 3,089 |
| Cash dividends to net income (ytd only)* | 52.2763% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2314% | 981 |
| Loan loss allowance to noncurrent loans | 63.2957% | 4,708 |
| Noncurrent assets plus other real estate owned to assets | 1.6447% | 1,985 |
| Noncurrent loans to loans | 3.5253% | 746 |
| Net loans and leases to total assets | 42.3367% | 5,654 |
| Net loans and leases to deposits | 51.6908% | 5,516 |
| Net loans and leases to core deposits | 77.2886% | 3,514 |
| Total domestic deposits to total assets | 81.9037% | 4,675 |
| Equity capital to assets | 9.8155% | 4,329 |
| Core capital (leverage) ratio | 9.9080% | 3,733 |
| Tier 1 risk-based capital ratio | 18.0195% | 2,234 |
| Total risk-based capital ratio | 19.2765% | 2,201 |
| Memoranda: | ||
| Average total assets | $266,943,670 | 2,393 |
| Average earning assets | $249,263,330 | 2,365 |
| Average equity | $25,386,000 | 2,622 |
| Average total loans | $118,090,670 | 3,098 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8709% | 4,208 |
| Cost of funding earning assets | 0.5611% | 2,331 |
| Net interest margin | 3.3098% | 4,491 |
| Noninterest income to average assets | 0.1015% | 6,328 |
| Noninterest expense to average assets | 2.4161% | 4,881 |
| Loan and lease loss provision to assets | 0.3030% | 635 |
| Net operating income to assets | 0.5090% | 4,645 |
| Return on assets (ROA) | 0.5090% | 4,723 |
| Pretax return on assets | 0.4650% | 5,273 |
| Return on Equity (ROE) | 5.4423% | 4,307 |
| Retained earnings to average equity (ytd only) | 5.4423% | 2,822 |
| Net charge-offs to loans | 0.9281% | 376 |
| Credit loss provision to net charge-offs | 72.9927% | 1,970 |
| Earnings coverage of net charge-offs (x) | 1.8504% | 3,007 |
| Efficiency ratio | 75.8801% | 2,824 |
| Assets per employee ($millions) | 4.3954% | 3,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8959% | 1,767 |
| Loan loss allowance to noncurrent loans | 50.2486% | 5,191 |
| Noncurrent assets plus other real estate owned to assets | 1.8025% | 1,944 |
| Noncurrent loans to loans | 3.7731% | 746 |
| Net loans and leases to total assets | 42.2096% | 5,651 |
| Net loans and leases to deposits | 51.0174% | 5,521 |
| Net loans and leases to core deposits | 76.7241% | 3,338 |
| Total domestic deposits to total assets | 82.7356% | 4,696 |
| Equity capital to assets | 9.3228% | 4,733 |
| Core capital (leverage) ratio | 10.2578% | 3,210 |
| Tier 1 risk-based capital ratio | 18.5423% | 2,112 |
| Total risk-based capital ratio | 19.7962% | 2,073 |
| Memoranda: | ||
| Average total assets | $264,064,500 | 2,425 |
| Average earning assets | $245,935,500 | 2,390 |
| Average equity | $24,695,500 | 2,673 |
| Average total loans | $118,092,000 | 3,113 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1235% | 3,652 |
| Cost of funding earning assets | 0.6594% | 2,133 |
| Net interest margin | 3.4642% | 4,044 |
| Noninterest income to average assets | 0.3254% | 5,003 |
| Noninterest expense to average assets | 2.6629% | 4,228 |
| Loan and lease loss provision to assets | 0.3373% | 951 |
| Net operating income to assets | 0.5421% | 4,549 |
| Return on assets (ROA) | 0.5782% | 4,481 |
| Pretax return on assets | 0.5850% | 4,915 |
| Return on Equity (ROE) | 5.6500% | 4,304 |
| Retained earnings to average equity (ytd only) | 3.0286% | 4,083 |
| Net charge-offs to loans | 0.3486% | 1,942 |
| Credit loss provision to net charge-offs | 200.9456% | 1,138 |
| Earnings coverage of net charge-offs (x) | 5.2766% | 3,341 |
| Efficiency ratio | 75.0391% | 2,941 |
| Assets per employee ($millions) | 4.1228% | 3,594 |
| Cash dividends to net income (ytd only)* | 46.3967% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9313% | 1,705 |
| Loan loss allowance to noncurrent loans | 46.9542% | 5,391 |
| Noncurrent assets plus other real estate owned to assets | 2.2221% | 1,603 |
| Noncurrent loans to loans | 4.1132% | 691 |
| Net loans and leases to total assets | 45.6300% | 5,526 |
| Net loans and leases to deposits | 55.5848% | 5,341 |
| Net loans and leases to core deposits | 86.5080% | 2,391 |
| Total domestic deposits to total assets | 82.0906% | 4,840 |
| Equity capital to assets | 9.3833% | 4,568 |
| Core capital (leverage) ratio | 10.2187% | 3,268 |
| Tier 1 risk-based capital ratio | 17.9397% | 2,260 |
| Total risk-based capital ratio | 19.1940% | 2,228 |
| Memoranda: | ||
| Average total assets | $251,979,200 | 2,512 |
| Average earning assets | $234,458,400 | 2,476 |
| Average equity | $25,787,400 | 2,564 |
| Average total loans | $121,348,000 | 3,011 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1089% | 3,721 |
| Cost of funding earning assets | 0.6674% | 2,199 |
| Net interest margin | 3.4414% | 4,117 |
| Noninterest income to average assets | 0.3165% | 5,166 |
| Noninterest expense to average assets | 2.5968% | 4,397 |
| Loan and lease loss provision to assets | 0.1859% | 1,960 |
| Net operating income to assets | 0.6471% | 4,138 |
| Return on assets (ROA) | 0.6489% | 4,249 |
| Pretax return on assets | 0.7397% | 4,537 |
| Return on Equity (ROE) | 6.2097% | 4,070 |
| Retained earnings to average equity (ytd only) | 4.5429% | 3,438 |
| Net charge-offs to loans | 0.3094% | 1,991 |
| Credit loss provision to net charge-offs | 123.6749% | 1,903 |
| Earnings coverage of net charge-offs (x) | 6.1449% | 3,035 |
| Efficiency ratio | 73.7668% | 3,105 |
| Assets per employee ($millions) | 4.1067% | 3,624 |
| Cash dividends to net income (ytd only)* | 26.8411% | 2,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6213% | 2,907 |
| Loan loss allowance to noncurrent loans | 139.1523% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 0.9128% | 3,851 |
| Noncurrent loans to loans | 1.1651% | 3,492 |
| Net loans and leases to total assets | 46.1626% | 5,533 |
| Net loans and leases to deposits | 56.9907% | 5,280 |
| Net loans and leases to core deposits | 84.4314% | 2,606 |
| Total domestic deposits to total assets | 81.0003% | 5,212 |
| Equity capital to assets | 9.6679% | 4,338 |
| Core capital (leverage) ratio | 10.3198% | 3,212 |
| Tier 1 risk-based capital ratio | 17.9785% | 2,334 |
| Total risk-based capital ratio | 19.2293% | 2,295 |
| Memoranda: | ||
| Average total assets | $251,070,250 | 2,535 |
| Average earning assets | $233,733,500 | 2,498 |
| Average equity | $26,238,000 | 2,561 |
| Average total loans | $121,951,500 | 3,021 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1063% | 3,716 |
| Cost of funding earning assets | 0.6824% | 2,206 |
| Net interest margin | 3.4239% | 4,094 |
| Noninterest income to average assets | 0.2873% | 5,396 |
| Noninterest expense to average assets | 2.5779% | 4,467 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7529% | 3,553 |
| Return on assets (ROA) | 0.7555% | 3,685 |
| Pretax return on assets | 0.9052% | 3,891 |
| Return on Equity (ROE) | 7.0504% | 3,571 |
| Retained earnings to average equity (ytd only) | 4.6007% | 3,338 |
| Net charge-offs to loans | 0.4773% | 1,384 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 3.8464% | 3,282 |
| Efficiency ratio | 74.0800% | 3,116 |
| Assets per employee ($millions) | 4.0557% | 3,678 |
| Cash dividends to net income (ytd only)* | 34.7458% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3203% | 4,399 |
| Loan loss allowance to noncurrent loans | 162.0761% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 0.7831% | 4,267 |
| Noncurrent loans to loans | 0.8146% | 4,284 |
| Net loans and leases to total assets | 46.8731% | 5,439 |
| Net loans and leases to deposits | 58.3949% | 5,125 |
| Net loans and leases to core deposits | 86.9228% | 2,240 |
| Total domestic deposits to total assets | 80.2693% | 5,543 |
| Equity capital to assets | 10.1845% | 3,679 |
| Core capital (leverage) ratio | 10.2290% | 3,187 |
| Tier 1 risk-based capital ratio | 18.2002% | 2,245 |
| Total risk-based capital ratio | 19.3098% | 2,259 |
| Memoranda: | ||
| Average total assets | $249,888,670 | 2,552 |
| Average earning assets | $233,007,000 | 2,509 |
| Average equity | $26,778,670 | 2,509 |
| Average total loans | $122,777,330 | 3,010 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0812% | 3,796 |
| Cost of funding earning assets | 0.6983% | 2,225 |
| Net interest margin | 3.3830% | 4,184 |
| Noninterest income to average assets | 0.3003% | 5,296 |
| Noninterest expense to average assets | 2.6832% | 4,133 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6794% | 3,785 |
| Return on assets (ROA) | 0.6808% | 3,932 |
| Pretax return on assets | 0.7772% | 4,266 |
| Return on Equity (ROE) | 6.1980% | 3,940 |
| Retained earnings to average equity (ytd only) | 6.1980% | 2,570 |
| Net charge-offs to loans | 0.8228% | 729 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.8867% | 3,206 |
| Efficiency ratio | 77.5766% | 2,679 |
| Assets per employee ($millions) | 4.0617% | 3,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3033% | 4,679 |
| Loan loss allowance to noncurrent loans | 109.9455% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 0.9689% | 3,993 |
| Noncurrent loans to loans | 1.1854% | 3,789 |
| Net loans and leases to total assets | 48.5375% | 5,170 |
| Net loans and leases to deposits | 59.8088% | 4,812 |
| Net loans and leases to core deposits | 86.5658% | 2,052 |
| Total domestic deposits to total assets | 81.1544% | 5,462 |
| Equity capital to assets | 10.8841% | 3,094 |
| Core capital (leverage) ratio | 10.2538% | 3,074 |
| Tier 1 risk-based capital ratio | 17.8951% | 2,410 |
| Total risk-based capital ratio | 19.0202% | 2,419 |
| Memoranda: | ||
| Average total assets | $249,107,500 | 2,591 |
| Average earning assets | $232,577,500 | 2,548 |
| Average equity | $27,363,500 | 2,494 |
| Average total loans | $124,446,000 | 3,000 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4091% | 3,777 |
| Cost of funding earning assets | 0.7925% | 2,727 |
| Net interest margin | 3.6166% | 4,016 |
| Noninterest income to average assets | 0.4278% | 4,397 |
| Noninterest expense to average assets | 2.7613% | 4,180 |
| Loan and lease loss provision to assets | 0.1821% | 3,354 |
| Net operating income to assets | 0.7155% | 3,665 |
| Return on assets (ROA) | 0.8458% | 3,319 |
| Pretax return on assets | 1.0158% | 3,493 |
| Return on Equity (ROE) | 7.7643% | 3,202 |
| Retained earnings to average equity (ytd only) | 5.4462% | 2,420 |
| Net charge-offs to loans | 0.0589% | 5,103 |
| Credit loss provision to net charge-offs | 600.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 34.2933% | 911 |
| Efficiency ratio | 72.6237% | 3,300 |
| Assets per employee ($millions) | 3.9740% | 4,002 |
| Cash dividends to net income (ytd only)* | 29.8565% | 3,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4954% | 3,761 |
| Loan loss allowance to noncurrent loans | 48.7106% | 5,195 |
| Noncurrent assets plus other real estate owned to assets | 1.6567% | 2,913 |
| Noncurrent loans to loans | 3.0700% | 1,693 |
| Net loans and leases to total assets | 49.9933% | 5,167 |
| Net loans and leases to deposits | 62.2665% | 4,754 |
| Net loans and leases to core deposits | 92.6150% | 1,586 |
| Total domestic deposits to total assets | 80.2893% | 5,592 |
| Equity capital to assets | 11.0873% | 2,851 |
| Core capital (leverage) ratio | 10.1247% | 3,241 |
| Tier 1 risk-based capital ratio | 17.7388% | 2,365 |
| Total risk-based capital ratio | 18.9895% | 2,326 |
| Memoranda: | ||
| Average total assets | $247,094,000 | 2,558 |
| Average earning assets | $230,547,600 | 2,503 |
| Average equity | $26,918,000 | 2,489 |
| Average total loans | $127,293,800 | 2,928 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4420% | 3,874 |
| Cost of funding earning assets | 0.7992% | 2,948 |
| Net interest margin | 3.6428% | 4,041 |
| Noninterest income to average assets | 0.4087% | 4,565 |
| Noninterest expense to average assets | 2.6540% | 4,543 |
| Loan and lease loss provision to assets | 0.1078% | 4,220 |
| Net operating income to assets | 0.8173% | 3,363 |
| Return on assets (ROA) | 0.9506% | 2,971 |
| Pretax return on assets | 1.2143% | 2,938 |
| Return on Equity (ROE) | 8.7650% | 2,919 |
| Retained earnings to average equity (ytd only) | 7.2387% | 1,989 |
| Net charge-offs to loans | 0.0438% | 5,039 |
| Credit loss provision to net charge-offs | 476.1905% | 564 |
| Earnings coverage of net charge-offs (x) | 50.8321% | 746 |
| Efficiency ratio | 69.7464% | 3,739 |
| Assets per employee ($millions) | 4.0002% | 3,868 |
| Cash dividends to net income (ytd only)* | 17.4134% | 3,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3121% | 4,760 |
| Loan loss allowance to noncurrent loans | 74.7964% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 1.0088% | 4,265 |
| Noncurrent loans to loans | 1.7542% | 3,149 |
| Net loans and leases to total assets | 50.1310% | 5,299 |
| Net loans and leases to deposits | 63.3264% | 4,794 |
| Net loans and leases to core deposits | 95.3166% | 1,458 |
| Total domestic deposits to total assets | 79.1629% | 5,830 |
| Equity capital to assets | 11.2221% | 3,014 |
| Core capital (leverage) ratio | 10.2339% | 3,249 |
| Tier 1 risk-based capital ratio | 17.5561% | 2,521 |
| Total risk-based capital ratio | 18.7057% | 2,522 |
| Memoranda: | ||
| Average total assets | $247,270,250 | 2,583 |
| Average earning assets | $230,551,500 | 2,517 |
| Average equity | $26,818,000 | 2,516 |
| Average total loans | $127,855,250 | 2,956 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4982% | 3,772 |
| Cost of funding earning assets | 0.8093% | 3,119 |
| Net interest margin | 3.6888% | 3,877 |
| Noninterest income to average assets | 0.3967% | 4,679 |
| Noninterest expense to average assets | 2.6329% | 4,673 |
| Loan and lease loss provision to assets | 0.1619% | 3,489 |
| Net operating income to assets | 0.8062% | 3,369 |
| Return on assets (ROA) | 1.0007% | 2,679 |
| Pretax return on assets | 1.2938% | 2,580 |
| Return on Equity (ROE) | 9.3353% | 2,656 |
| Retained earnings to average equity (ytd only) | 7.0166% | 2,091 |
| Net charge-offs to loans | 0.0483% | 4,721 |
| Credit loss provision to net charge-offs | 645.1613% | 494 |
| Earnings coverage of net charge-offs (x) | 47.9355% | 757 |
| Efficiency ratio | 68.6366% | 4,012 |
| Assets per employee ($millions) | 3.9835% | 3,910 |
| Cash dividends to net income (ytd only)* | 24.8382% | 2,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3199% | 4,800 |
| Loan loss allowance to noncurrent loans | 69.3912% | 4,225 |
| Noncurrent assets plus other real estate owned to assets | 1.0892% | 4,201 |
| Noncurrent loans to loans | 1.9021% | 3,074 |
| Net loans and leases to total assets | 50.3729% | 5,310 |
| Net loans and leases to deposits | 64.2433% | 4,729 |
| Net loans and leases to core deposits | 99.5710% | 1,128 |
| Total domestic deposits to total assets | 78.4096% | 6,078 |
| Equity capital to assets | 10.8792% | 3,256 |
| Core capital (leverage) ratio | 9.9145% | 3,545 |
| Tier 1 risk-based capital ratio | 17.0703% | 2,638 |
| Total risk-based capital ratio | 18.2197% | 2,641 |
| Memoranda: | ||
| Average total assets | $247,023,670 | 2,583 |
| Average earning assets | $230,316,000 | 2,522 |
| Average equity | $26,480,000 | 2,534 |
| Average total loans | $128,479,330 | 2,954 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5062% | 3,884 |
| Cost of funding earning assets | 0.8199% | 3,316 |
| Net interest margin | 3.6863% | 3,896 |
| Noninterest income to average assets | 0.3870% | 4,768 |
| Noninterest expense to average assets | 2.6456% | 4,640 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8776% | 3,025 |
| Return on assets (ROA) | 1.2467% | 1,785 |
| Pretax return on assets | 1.6693% | 1,381 |
| Return on Equity (ROE) | 11.7175% | 1,762 |
| Retained earnings to average equity (ytd only) | 11.7175% | 872 |
| Net charge-offs to loans | -0.0031% | 5,745 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2080% | 3,947 |
| Assets per employee ($millions) | 4.0778% | 3,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1601% | 5,674 |
| Loan loss allowance to noncurrent loans | 66.1654% | 4,200 |
| Noncurrent assets plus other real estate owned to assets | 1.0098% | 4,470 |
| Noncurrent loans to loans | 1.7534% | 3,483 |
| Net loans and leases to total assets | 50.4123% | 5,253 |
| Net loans and leases to deposits | 64.0263% | 4,635 |
| Net loans and leases to core deposits | 102.4525% | 842 |
| Total domestic deposits to total assets | 78.7369% | 6,135 |
| Equity capital to assets | 10.4860% | 3,505 |
| Core capital (leverage) ratio | 10.0019% | 3,365 |
| Tier 1 risk-based capital ratio | 16.9066% | 2,713 |
| Total risk-based capital ratio | 17.9367% | 2,773 |
| Memoranda: | ||
| Average total assets | $247,047,500 | 2,587 |
| Average earning assets | $230,258,500 | 2,531 |
| Average equity | $26,285,500 | 2,549 |
| Average total loans | $129,682,500 | 2,948 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8767% | 3,468 |
| Cost of funding earning assets | 1.0927% | 2,719 |
| Net interest margin | 3.7840% | 3,909 |
| Noninterest income to average assets | 0.4090% | 4,550 |
| Noninterest expense to average assets | 2.7480% | 4,561 |
| Loan and lease loss provision to assets | 0.0845% | 5,552 |
| Net operating income to assets | 0.8874% | 2,656 |
| Return on assets (ROA) | 0.9223% | 2,634 |
| Pretax return on assets | 1.1340% | 2,714 |
| Return on Equity (ROE) | 8.7543% | 2,563 |
| Retained earnings to average equity (ytd only) | 6.2960% | 1,855 |
| Net charge-offs to loans | 0.5359% | 2,864 |
| Credit loss provision to net charge-offs | 28.9855% | 5,800 |
| Earnings coverage of net charge-offs (x) | 4.0319% | 3,297 |
| Efficiency ratio | 70.0409% | 3,952 |
| Assets per employee ($millions) | 3.8915% | 4,098 |
| Cash dividends to net income (ytd only)* | 28.0806% | 3,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1463% | 5,639 |
| Loan loss allowance to noncurrent loans | 45.5238% | 5,287 |
| Noncurrent assets plus other real estate owned to assets | 1.4821% | 3,732 |
| Noncurrent loans to loans | 2.5181% | 2,614 |
| Net loans and leases to total assets | 53.4335% | 5,111 |
| Net loans and leases to deposits | 69.0235% | 4,270 |
| Net loans and leases to core deposits | 111.3683% | 576 |
| Total domestic deposits to total assets | 77.4135% | 6,280 |
| Equity capital to assets | 10.8011% | 3,192 |
| Core capital (leverage) ratio | 9.8060% | 3,598 |
| Tier 1 risk-based capital ratio | 16.2715% | 2,919 |
| Total risk-based capital ratio | 17.2944% | 2,977 |
| Memoranda: | ||
| Average total assets | $236,684,400 | 2,666 |
| Average earning assets | $219,822,400 | 2,616 |
| Average equity | $24,936,400 | 2,590 |
| Average total loans | $128,764,200 | 3,000 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8983% | 3,566 |
| Cost of funding earning assets | 1.1211% | 2,822 |
| Net interest margin | 3.7773% | 3,978 |
| Noninterest income to average assets | 0.3708% | 4,903 |
| Noninterest expense to average assets | 2.6390% | 4,942 |
| Loan and lease loss provision to assets | 0.0736% | 5,532 |
| Net operating income to assets | 0.9133% | 2,691 |
| Return on assets (ROA) | 0.9465% | 2,712 |
| Pretax return on assets | 1.2063% | 2,606 |
| Return on Equity (ROE) | 9.0417% | 2,576 |
| Retained earnings to average equity (ytd only) | 7.4735% | 1,722 |
| Net charge-offs to loans | 0.2233% | 4,038 |
| Credit loss provision to net charge-offs | 60.4651% | 4,800 |
| Earnings coverage of net charge-offs (x) | 10.1674% | 1,962 |
| Efficiency ratio | 68.0783% | 4,297 |
| Assets per employee ($millions) | 3.9176% | 4,036 |
| Cash dividends to net income (ytd only)* | 17.3446% | 3,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4961% | 4,117 |
| Loan loss allowance to noncurrent loans | 45.6182% | 5,277 |
| Noncurrent assets plus other real estate owned to assets | 1.7946% | 3,403 |
| Noncurrent loans to loans | 3.2796% | 2,107 |
| Net loans and leases to total assets | 51.5031% | 5,510 |
| Net loans and leases to deposits | 67.6806% | 4,665 |
| Net loans and leases to core deposits | 110.8663% | 639 |
| Total domestic deposits to total assets | 76.0974% | 6,527 |
| Equity capital to assets | 10.7308% | 3,441 |
| Core capital (leverage) ratio | 9.8445% | 3,654 |
| Tier 1 risk-based capital ratio | 16.3840% | 2,920 |
| Total risk-based capital ratio | 17.6351% | 2,883 |
| Memoranda: | ||
| Average total assets | $235,537,500 | 2,686 |
| Average earning assets | $218,599,000 | 2,645 |
| Average equity | $24,655,500 | 2,618 |
| Average total loans | $128,351,500 | 3,041 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9333% | 3,474 |
| Cost of funding earning assets | 1.1427% | 2,947 |
| Net interest margin | 3.7907% | 3,828 |
| Noninterest income to average assets | 0.3612% | 4,989 |
| Noninterest expense to average assets | 2.7243% | 4,725 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8998% | 2,644 |
| Return on assets (ROA) | 0.9138% | 2,680 |
| Pretax return on assets | 1.1704% | 2,596 |
| Return on Equity (ROE) | 8.8067% | 2,594 |
| Retained earnings to average equity (ytd only) | 6.4087% | 2,186 |
| Net charge-offs to loans | 0.0901% | 4,765 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 23.1552% | 1,096 |
| Efficiency ratio | 70.2745% | 4,055 |
| Assets per employee ($millions) | 3.7961% | 4,203 |
| Cash dividends to net income (ytd only)* | 27.2300% | 2,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5050% | 4,111 |
| Loan loss allowance to noncurrent loans | 78.2379% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 1.0686% | 4,748 |
| Noncurrent loans to loans | 1.9237% | 3,578 |
| Net loans and leases to total assets | 53.5817% | 5,355 |
| Net loans and leases to deposits | 69.0514% | 4,560 |
| Net loans and leases to core deposits | 113.6044% | 589 |
| Total domestic deposits to total assets | 77.5969% | 6,358 |
| Equity capital to assets | 10.6029% | 3,375 |
| Core capital (leverage) ratio | 9.6867% | 3,679 |
| Tier 1 risk-based capital ratio | 15.9144% | 3,025 |
| Total risk-based capital ratio | 17.0719% | 3,046 |
| Memoranda: | ||
| Average total assets | $233,086,670 | 2,727 |
| Average earning assets | $216,162,670 | 2,690 |
| Average equity | $24,186,000 | 2,638 |
| Average total loans | $128,803,330 | 3,061 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9130% | 3,530 |
| Cost of funding earning assets | 1.1496% | 3,162 |
| Net interest margin | 3.7633% | 3,785 |
| Noninterest income to average assets | 0.3518% | 5,086 |
| Noninterest expense to average assets | 2.6920% | 4,867 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8967% | 2,579 |
| Return on assets (ROA) | 0.8967% | 2,638 |
| Pretax return on assets | 1.1485% | 2,572 |
| Return on Equity (ROE) | 8.7389% | 2,593 |
| Retained earnings to average equity (ytd only) | 8.7389% | 1,478 |
| Net charge-offs to loans | 0.0464% | 4,474 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 44.4000% | 629 |
| Efficiency ratio | 70.0943% | 4,250 |
| Assets per employee ($millions) | 3.7953% | 4,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5247% | 4,089 |
| Loan loss allowance to noncurrent loans | 64.7175% | 4,164 |
| Noncurrent assets plus other real estate owned to assets | 1.3157% | 4,334 |
| Noncurrent loans to loans | 2.3559% | 3,130 |
| Net loans and leases to total assets | 54.0715% | 5,295 |
| Net loans and leases to deposits | 69.5551% | 4,420 |
| Net loans and leases to core deposits | 107.2247% | 883 |
| Total domestic deposits to total assets | 77.7391% | 6,408 |
| Equity capital to assets | 10.3018% | 3,412 |
| Core capital (leverage) ratio | 9.7404% | 3,468 |
| Tier 1 risk-based capital ratio | 15.8386% | 2,978 |
| Total risk-based capital ratio | 17.0899% | 2,946 |
| Memoranda: | ||
| Average total assets | $231,950,000 | 2,757 |
| Average earning assets | $215,023,500 | 2,723 |
| Average equity | $23,801,500 | 2,662 |
| Average total loans | $129,186,500 | 3,080 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2154% | 3,533 |
| Cost of funding earning assets | 1.3064% | 3,843 |
| Net interest margin | 3.9090% | 3,447 |
| Noninterest income to average assets | 0.4255% | 4,704 |
| Noninterest expense to average assets | 2.6769% | 5,095 |
| Loan and lease loss provision to assets | 0.2824% | 4,546 |
| Net operating income to assets | 0.8466% | 2,603 |
| Return on assets (ROA) | 0.9400% | 2,366 |
| Pretax return on assets | 1.2085% | 2,198 |
| Return on Equity (ROE) | 9.3520% | 2,160 |
| Retained earnings to average equity (ytd only) | 6.8144% | 1,404 |
| Net charge-offs to loans | 0.3210% | 4,415 |
| Credit loss provision to net charge-offs | 156.4904% | 2,255 |
| Earnings coverage of net charge-offs (x) | 7.5986% | 2,105 |
| Efficiency ratio | 66.1273% | 4,944 |
| Assets per employee ($millions) | 3.6870% | 4,494 |
| Cash dividends to net income (ytd only)* | 27.1343% | 3,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5368% | 3,832 |
| Loan loss allowance to noncurrent loans | 64.7001% | 4,164 |
| Noncurrent assets plus other real estate owned to assets | 1.3771% | 4,283 |
| Noncurrent loans to loans | 2.3752% | 3,144 |
| Net loans and leases to total assets | 55.6378% | 5,397 |
| Net loans and leases to deposits | 71.8784% | 4,541 |
| Net loans and leases to core deposits | 113.2448% | 758 |
| Total domestic deposits to total assets | 77.4055% | 6,418 |
| Equity capital to assets | 10.2200% | 3,476 |
| Core capital (leverage) ratio | 9.5203% | 3,683 |
| Tier 1 risk-based capital ratio | 15.6718% | 2,913 |
| Total risk-based capital ratio | 16.9235% | 2,873 |
| Memoranda: | ||
| Average total assets | $230,530,200 | 2,749 |
| Average earning assets | $213,637,000 | 2,706 |
| Average equity | $23,171,600 | 2,741 |
| Average total loans | $129,603,600 | 3,131 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2237% | 3,711 |
| Cost of funding earning assets | 1.3273% | 4,057 |
| Net interest margin | 3.8965% | 3,544 |
| Noninterest income to average assets | 0.3648% | 5,239 |
| Noninterest expense to average assets | 2.5960% | 5,340 |
| Loan and lease loss provision to assets | 0.2597% | 4,511 |
| Net operating income to assets | 0.8462% | 2,821 |
| Return on assets (ROA) | 0.9673% | 2,467 |
| Pretax return on assets | 1.2790% | 2,233 |
| Return on Equity (ROE) | 9.6636% | 2,259 |
| Retained earnings to average equity (ytd only) | 8.0895% | 1,395 |
| Net charge-offs to loans | 0.4297% | 3,575 |
| Credit loss provision to net charge-offs | 107.6555% | 3,961 |
| Earnings coverage of net charge-offs (x) | 5.7177% | 2,695 |
| Efficiency ratio | 65.3020% | 4,998 |
| Assets per employee ($millions) | 3.7298% | 4,434 |
| Cash dividends to net income (ytd only)* | 16.2887% | 3,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3571% | 4,687 |
| Loan loss allowance to noncurrent loans | 99.8319% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 0.8065% | 5,484 |
| Noncurrent loans to loans | 1.3594% | 4,592 |
| Net loans and leases to total assets | 56.0115% | 5,546 |
| Net loans and leases to deposits | 72.5274% | 4,759 |
| Net loans and leases to core deposits | 117.3721% | 703 |
| Total domestic deposits to total assets | 77.2280% | 6,434 |
| Equity capital to assets | 10.4230% | 3,610 |
| Core capital (leverage) ratio | 9.5516% | 3,827 |
| Tier 1 risk-based capital ratio | 15.4226% | 3,038 |
| Total risk-based capital ratio | 16.6697% | 3,003 |
| Memoranda: | ||
| Average total assets | $231,015,000 | 2,771 |
| Average earning assets | $214,069,000 | 2,738 |
| Average equity | $23,124,000 | 2,786 |
| Average total loans | $129,712,500 | 3,172 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2563% | 3,678 |
| Cost of funding earning assets | 1.3346% | 4,299 |
| Net interest margin | 3.9216% | 3,345 |
| Noninterest income to average assets | 0.3326% | 5,500 |
| Noninterest expense to average assets | 2.6345% | 5,196 |
| Loan and lease loss provision to assets | 0.3897% | 3,382 |
| Net operating income to assets | 0.7176% | 3,320 |
| Return on assets (ROA) | 0.8920% | 2,700 |
| Pretax return on assets | 1.1717% | 2,509 |
| Return on Equity (ROE) | 9.0360% | 2,448 |
| Retained earnings to average equity (ytd only) | 6.6410% | 1,994 |
| Net charge-offs to loans | 0.6611% | 2,560 |
| Credit loss provision to net charge-offs | 105.3864% | 3,865 |
| Earnings coverage of net charge-offs (x) | 3.6019% | 3,249 |
| Efficiency ratio | 66.4192% | 4,903 |
| Assets per employee ($millions) | 3.6904% | 4,498 |
| Cash dividends to net income (ytd only)* | 26.5049% | 2,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3522% | 4,673 |
| Loan loss allowance to noncurrent loans | 102.3672% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 0.7919% | 5,529 |
| Noncurrent loans to loans | 1.3209% | 4,743 |
| Net loans and leases to total assets | 56.5312% | 5,619 |
| Net loans and leases to deposits | 72.9740% | 4,836 |
| Net loans and leases to core deposits | 121.2981% | 654 |
| Total domestic deposits to total assets | 77.4675% | 6,401 |
| Equity capital to assets | 10.1271% | 3,859 |
| Core capital (leverage) ratio | 9.2105% | 4,285 |
| Tier 1 risk-based capital ratio | 14.8373% | 3,244 |
| Total risk-based capital ratio | 16.0671% | 3,228 |
| Memoranda: | ||
| Average total assets | $230,937,000 | 2,798 |
| Average earning assets | $213,992,670 | 2,762 |
| Average equity | $22,797,670 | 2,821 |
| Average total loans | $129,180,670 | 3,212 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2066% | 3,980 |
| Cost of funding earning assets | 1.3263% | 4,646 |
| Net interest margin | 3.8803% | 3,406 |
| Noninterest income to average assets | 0.3483% | 5,355 |
| Noninterest expense to average assets | 2.6586% | 5,108 |
| Loan and lease loss provision to assets | 0.0431% | 6,247 |
| Net operating income to assets | 0.9383% | 2,402 |
| Return on assets (ROA) | 0.9396% | 2,458 |
| Pretax return on assets | 1.2448% | 2,220 |
| Return on Equity (ROE) | 9.6413% | 2,234 |
| Retained earnings to average equity (ytd only) | 9.6413% | 1,226 |
| Net charge-offs to loans | -0.0281% | 7,171 |
| Credit loss provision to net charge-offs | -277.7778% | 6,173 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3951% | 4,833 |
| Assets per employee ($millions) | 3.8047% | 4,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3754% | 4,543 |
| Loan loss allowance to noncurrent loans | 104.0840% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 0.7902% | 5,571 |
| Noncurrent loans to loans | 1.3215% | 4,771 |
| Net loans and leases to total assets | 54.2293% | 6,001 |
| Net loans and leases to deposits | 71.2844% | 5,154 |
| Net loans and leases to core deposits | 112.5084% | 1,127 |
| Total domestic deposits to total assets | 76.0745% | 6,746 |
| Equity capital to assets | 9.7422% | 4,178 |
| Core capital (leverage) ratio | 9.2235% | 4,181 |
| Tier 1 risk-based capital ratio | 14.8120% | 3,204 |
| Total risk-based capital ratio | 16.0597% | 3,162 |
| Memoranda: | ||
| Average total assets | $232,004,000 | 2,852 |
| Average earning assets | $215,035,000 | 2,804 |
| Average equity | $22,611,000 | 2,865 |
| Average total loans | $128,212,000 | 3,293 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6444% | 3,379 |
| Cost of funding earning assets | 1.6497% | 4,793 |
| Net interest margin | 3.9946% | 2,884 |
| Noninterest income to average assets | 0.4518% | 4,792 |
| Noninterest expense to average assets | 2.8535% | 4,731 |
| Loan and lease loss provision to assets | 0.3212% | 4,888 |
| Net operating income to assets | 0.7604% | 2,677 |
| Return on assets (ROA) | 0.7966% | 2,638 |
| Pretax return on assets | 1.0150% | 2,543 |
| Return on Equity (ROE) | 8.1202% | 2,321 |
| Retained earnings to average equity (ytd only) | 5.5510% | 1,551 |
| Net charge-offs to loans | 0.4462% | 4,003 |
| Credit loss provision to net charge-offs | 126.9784% | 4,094 |
| Earnings coverage of net charge-offs (x) | 5.0989% | 2,688 |
| Efficiency ratio | 68.8701% | 4,850 |
| Assets per employee ($millions) | 3.6209% | 4,728 |
| Cash dividends to net income (ytd only)* | 31.6391% | 3,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3810% | 4,332 |
| Loan loss allowance to noncurrent loans | 103.4279% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 0.8360% | 5,430 |
| Noncurrent loans to loans | 1.3352% | 4,690 |
| Net loans and leases to total assets | 54.7824% | 6,107 |
| Net loans and leases to deposits | 72.7684% | 5,228 |
| Net loans and leases to core deposits | 116.9882% | 2,227 |
| Total domestic deposits to total assets | 75.2833% | 6,814 |
| Equity capital to assets | 9.7498% | 4,067 |
| Core capital (leverage) ratio | 9.1566% | 4,189 |
| Tier 1 risk-based capital ratio | 14.7894% | 3,052 |
| Total risk-based capital ratio | 16.0396% | 3,005 |
| Memoranda: | ||
| Average total assets | $219,799,000 | 2,942 |
| Average earning assets | $203,121,800 | 2,930 |
| Average equity | $21,563,600 | 3,005 |
| Average total loans | $124,612,200 | 3,388 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7020% | 3,330 |
| Cost of funding earning assets | 1.7188% | 4,805 |
| Net interest margin | 3.9833% | 2,884 |
| Noninterest income to average assets | 0.4489% | 4,902 |
| Noninterest expense to average assets | 2.7209% | 5,244 |
| Loan and lease loss provision to assets | 0.3086% | 4,503 |
| Net operating income to assets | 0.8428% | 2,643 |
| Return on assets (ROA) | 0.8782% | 2,583 |
| Pretax return on assets | 1.1439% | 2,434 |
| Return on Equity (ROE) | 8.9367% | 2,280 |
| Retained earnings to average equity (ytd only) | 7.2853% | 1,400 |
| Net charge-offs to loans | 0.4878% | 3,276 |
| Credit loss provision to net charge-offs | 111.0132% | 4,582 |
| Earnings coverage of net charge-offs (x) | 5.0595% | 2,939 |
| Efficiency ratio | 65.9199% | 5,380 |
| Assets per employee ($millions) | 3.5725% | 4,753 |
| Cash dividends to net income (ytd only)* | 18.4796% | 3,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2925% | 4,546 |
| Loan loss allowance to noncurrent loans | 88.4718% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 0.9011% | 5,273 |
| Noncurrent loans to loans | 1.4610% | 4,489 |
| Net loans and leases to total assets | 55.9860% | 6,145 |
| Net loans and leases to deposits | 73.5705% | 5,430 |
| Net loans and leases to core deposits | 117.7650% | 2,437 |
| Total domestic deposits to total assets | 76.0985% | 6,565 |
| Equity capital to assets | 9.9749% | 4,120 |
| Core capital (leverage) ratio | 9.3155% | 4,167 |
| Tier 1 risk-based capital ratio | 14.7414% | 3,161 |
| Total risk-based capital ratio | 15.9217% | 3,138 |
| Memoranda: | ||
| Average total assets | $217,719,500 | 2,992 |
| Average earning assets | $201,069,000 | 2,968 |
| Average equity | $21,394,250 | 3,044 |
| Average total loans | $124,085,750 | 3,423 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7228% | 3,418 |
| Cost of funding earning assets | 1.7972% | 4,777 |
| Net interest margin | 3.9256% | 2,998 |
| Noninterest income to average assets | 0.4998% | 4,449 |
| Noninterest expense to average assets | 2.6859% | 5,439 |
| Loan and lease loss provision to assets | 0.3716% | 3,698 |
| Net operating income to assets | 0.8187% | 2,784 |
| Return on assets (ROA) | 0.8724% | 2,670 |
| Pretax return on assets | 1.1344% | 2,520 |
| Return on Equity (ROE) | 8.9249% | 2,387 |
| Retained earnings to average equity (ytd only) | 6.4061% | 1,842 |
| Net charge-offs to loans | 0.5907% | 2,567 |
| Credit loss provision to net charge-offs | 110.1928% | 4,203 |
| Earnings coverage of net charge-offs (x) | 4.2590% | 3,159 |
| Efficiency ratio | 65.1566% | 5,686 |
| Assets per employee ($millions) | 3.4316% | 5,001 |
| Cash dividends to net income (ytd only)* | 28.2215% | 2,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3032% | 4,252 |
| Loan loss allowance to noncurrent loans | 82.5101% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 0.9755% | 5,024 |
| Noncurrent loans to loans | 1.5794% | 4,128 |
| Net loans and leases to total assets | 57.3472% | 6,054 |
| Net loans and leases to deposits | 74.3812% | 5,395 |
| Net loans and leases to core deposits | 124.9005% | 1,949 |
| Total domestic deposits to total assets | 77.0991% | 6,296 |
| Equity capital to assets | 9.7293% | 4,305 |
| Core capital (leverage) ratio | 9.3381% | 4,120 |
| Tier 1 risk-based capital ratio | 14.7413% | 3,127 |
| Total risk-based capital ratio | 15.9413% | 3,091 |
| Memoranda: | ||
| Average total assets | $215,271,000 | 3,037 |
| Average earning assets | $198,645,670 | 3,020 |
| Average equity | $21,042,330 | 3,095 |
| Average total loans | $122,896,000 | 3,476 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7288% | 3,646 |
| Cost of funding earning assets | 1.8800% | 4,739 |
| Net interest margin | 3.8488% | 3,251 |
| Noninterest income to average assets | 0.4972% | 4,344 |
| Noninterest expense to average assets | 2.6405% | 5,262 |
| Loan and lease loss provision to assets | 0.1862% | 4,578 |
| Net operating income to assets | 0.9252% | 2,596 |
| Return on assets (ROA) | 0.9478% | 2,652 |
| Pretax return on assets | 1.2495% | 2,455 |
| Return on Equity (ROE) | 9.6738% | 2,462 |
| Retained earnings to average equity (ytd only) | 9.6738% | 1,290 |
| Net charge-offs to loans | -0.0263% | 7,517 |
| Credit loss provision to net charge-offs | -1,250.0000% | 6,552 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2554% | 5,458 |
| Assets per employee ($millions) | 3.4398% | 4,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4003% | 3,500 |
| Loan loss allowance to noncurrent loans | 55.2930% | 4,882 |
| Noncurrent assets plus other real estate owned to assets | 1.4831% | 3,704 |
| Noncurrent loans to loans | 2.5324% | 2,602 |
| Net loans and leases to total assets | 55.4984% | 6,308 |
| Net loans and leases to deposits | 71.1234% | 5,854 |
| Net loans and leases to core deposits | 119.8471% | 2,428 |
| Total domestic deposits to total assets | 78.0312% | 6,006 |
| Equity capital to assets | 9.8331% | 4,204 |
| Core capital (leverage) ratio | 9.2528% | 4,316 |
| Tier 1 risk-based capital ratio | 14.8592% | 3,133 |
| Total risk-based capital ratio | 16.1094% | 3,060 |
| Memoranda: | ||
| Average total assets | $214,810,500 | 3,055 |
| Average earning assets | $198,086,500 | 3,043 |
| Average equity | $21,046,500 | 3,114 |
| Average total loans | $121,535,500 | 3,521 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3827% | 3,511 |
| Cost of funding earning assets | 2.6342% | 3,510 |
| Net interest margin | 3.7485% | 4,231 |
| Noninterest income to average assets | 0.3791% | 5,650 |
| Noninterest expense to average assets | 2.7144% | 5,201 |
| Loan and lease loss provision to assets | 0.3616% | 3,518 |
| Net operating income to assets | 0.5966% | 4,314 |
| Return on assets (ROA) | 0.6392% | 3,997 |
| Pretax return on assets | 0.7803% | 4,142 |
| Return on Equity (ROE) | 6.8007% | 3,621 |
| Retained earnings to average equity (ytd only) | 4.0131% | 2,634 |
| Net charge-offs to loans | 0.4343% | 2,655 |
| Credit loss provision to net charge-offs | 147.0250% | 3,592 |
| Earnings coverage of net charge-offs (x) | 4.4319% | 3,988 |
| Efficiency ratio | 71.3488% | 4,060 |
| Assets per employee ($millions) | 3.3796% | 4,997 |
| Cash dividends to net income (ytd only)* | 40.9897% | 3,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3213% | 3,646 |
| Loan loss allowance to noncurrent loans | 51.5796% | 5,419 |
| Noncurrent assets plus other real estate owned to assets | 1.5156% | 3,184 |
| Noncurrent loans to loans | 2.5616% | 2,120 |
| Net loans and leases to total assets | 56.1231% | 6,422 |
| Net loans and leases to deposits | 73.2696% | 5,922 |
| Net loans and leases to core deposits | 122.3309% | 2,471 |
| Total domestic deposits to total assets | 76.5981% | 6,097 |
| Equity capital to assets | 9.7617% | 4,347 |
| Core capital (leverage) ratio | 9.0560% | 4,660 |
| Tier 1 risk-based capital ratio | 14.6133% | 3,250 |
| Total risk-based capital ratio | 15.8164% | 3,183 |
| Memoranda: | ||
| Average total assets | $211,835,200 | 2,988 |
| Average earning assets | $193,569,000 | 2,986 |
| Average equity | $19,909,600 | 3,241 |
| Average total loans | $119,961,000 | 3,458 |