Home > Alden State Bank > Performance and Condition Ratios
Alden State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3109% | 2,496 |
| Cost of funding earning assets | 1.0710% | 3,914 |
| Net interest margin | 4.2399% | 902 |
| Noninterest income to average assets | 0.3100% | 2,795 |
| Noninterest expense to average assets | 3.0078% | 1,124 |
| Loan and lease loss provision to assets | -0.0100% | 4,145 |
| Net operating income to assets | 1.0215% | 2,219 |
| Return on assets (ROA) | 1.0215% | 2,212 |
| Pretax return on assets | 1.2399% | 2,134 |
| Return on Equity (ROE) | 6.8600% | 3,160 |
| Retained earnings to average equity (ytd only) | 4.5026% | 2,708 |
| Net charge-offs to loans | 0.1278% | 722 |
| Credit loss provision to net charge-offs | -11.1111% | 4,342 |
| Earnings coverage of net charge-offs (x) | 14.7111% | 1,562 |
| Efficiency ratio | 70.9649% | 1,708 |
| Assets per employee ($millions) | 6.3017% | 2,715 |
| Cash dividends to net income (ytd only)* | 34.3949% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2640% | 1,859 |
| Loan loss allowance to noncurrent loans | 126.6502% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 0.9013% | 811 |
| Noncurrent loans to loans | 0.9981% | 1,070 |
| Net loans and leases to total assets | 63.5300% | 2,548 |
| Net loans and leases to deposits | 74.9479% | 2,491 |
| Net loans and leases to core deposits | 79.3443% | 2,724 |
| Total domestic deposits to total assets | 84.7700% | 2,690 |
| Equity capital to assets | 14.6432% | 607 |
| Core capital (leverage) ratio | 15.4840% | 545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6258% | 426 |
| Memoranda: | ||
| Average total assets | $430,345,500 | 1,980 |
| Average earning assets | $398,880,000 | 1,981 |
| Average equity | $64,051,500 | 1,467 |
| Average total loans | $281,718,000 | 1,956 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3875% | 2,355 |
| Cost of funding earning assets | 0.9662% | 4,053 |
| Net interest margin | 4.4212% | 719 |
| Noninterest income to average assets | 0.3900% | 2,507 |
| Noninterest expense to average assets | 2.9343% | 1,262 |
| Loan and lease loss provision to assets | 0.1900% | 718 |
| Net operating income to assets | 1.2963% | 1,300 |
| Return on assets (ROA) | 1.2963% | 1,308 |
| Pretax return on assets | 1.3913% | 1,532 |
| Return on Equity (ROE) | 8.8700% | 2,502 |
| Retained earnings to average equity (ytd only) | 6.4450% | 1,641 |
| Net charge-offs to loans | 0.4954% | 293 |
| Credit loss provision to net charge-offs | 58.4359% | 2,289 |
| Earnings coverage of net charge-offs (x) | 4.8074% | 2,626 |
| Efficiency ratio | 64.9454% | 2,609 |
| Assets per employee ($millions) | 6.2591% | 2,681 |
| Cash dividends to net income (ytd only)* | 27.3463% | 2,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3191% | 1,589 |
| Loan loss allowance to noncurrent loans | 105.1611% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 0.9741% | 689 |
| Noncurrent loans to loans | 1.2544% | 807 |
| Net loans and leases to total assets | 65.7900% | 2,384 |
| Net loans and leases to deposits | 77.9953% | 2,289 |
| Net loans and leases to core deposits | 82.1344% | 2,618 |
| Total domestic deposits to total assets | 84.3500% | 2,700 |
| Equity capital to assets | 15.0942% | 548 |
| Core capital (leverage) ratio | 15.1412% | 580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5269% | 389 |
| Memoranda: | ||
| Average total assets | $419,177,000 | 1,989 |
| Average earning assets | $391,000,200 | 1,978 |
| Average equity | $61,257,000 | 1,467 |
| Average total loans | $278,769,200 | 1,934 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2872% | 2,479 |
| Cost of funding earning assets | 0.9598% | 4,084 |
| Net interest margin | 4.3274% | 777 |
| Noninterest income to average assets | 0.3900% | 2,483 |
| Noninterest expense to average assets | 2.9139% | 1,227 |
| Loan and lease loss provision to assets | 0.0300% | 2,381 |
| Net operating income to assets | 1.2674% | 1,379 |
| Return on assets (ROA) | 1.2674% | 1,374 |
| Pretax return on assets | 1.4865% | 1,328 |
| Return on Equity (ROE) | 8.7400% | 2,537 |
| Retained earnings to average equity (ytd only) | 6.3014% | 1,988 |
| Net charge-offs to loans | 0.5447% | 246 |
| Credit loss provision to net charge-offs | 8.7873% | 2,219 |
| Earnings coverage of net charge-offs (x) | 4.1942% | 2,461 |
| Efficiency ratio | 65.7432% | 2,515 |
| Assets per employee ($millions) | 6.3115% | 2,650 |
| Cash dividends to net income (ytd only)* | 27.9367% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1766% | 2,339 |
| Loan loss allowance to noncurrent loans | 78.4237% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 0.9722% | 683 |
| Noncurrent loans to loans | 1.5004% | 627 |
| Net loans and leases to total assets | 64.0300% | 2,524 |
| Net loans and leases to deposits | 75.7108% | 2,545 |
| Net loans and leases to core deposits | 79.1094% | 2,871 |
| Total domestic deposits to total assets | 84.5800% | 2,421 |
| Equity capital to assets | 14.8549% | 594 |
| Core capital (leverage) ratio | 15.0167% | 626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3504% | 402 |
| Memoranda: | ||
| Average total assets | $419,131,000 | 1,985 |
| Average earning assets | $391,725,750 | 1,973 |
| Average equity | $60,746,500 | 1,468 |
| Average total loans | $278,565,500 | 1,929 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2141% | 2,518 |
| Cost of funding earning assets | 0.9392% | 4,084 |
| Net interest margin | 4.2749% | 821 |
| Noninterest income to average assets | 0.3900% | 2,441 |
| Noninterest expense to average assets | 2.9152% | 1,223 |
| Loan and lease loss provision to assets | 0.0400% | 2,101 |
| Net operating income to assets | 1.1053% | 1,710 |
| Return on assets (ROA) | 1.1053% | 1,708 |
| Pretax return on assets | 1.4399% | 1,399 |
| Return on Equity (ROE) | 7.7600% | 2,809 |
| Retained earnings to average equity (ytd only) | 5.2697% | 2,259 |
| Net charge-offs to loans | 0.7783% | 166 |
| Credit loss provision to net charge-offs | 8.2569% | 1,975 |
| Earnings coverage of net charge-offs (x) | 2.8385% | 2,376 |
| Efficiency ratio | 66.2816% | 2,515 |
| Assets per employee ($millions) | 5.9792% | 2,816 |
| Cash dividends to net income (ytd only)* | 32.0902% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1757% | 2,367 |
| Loan loss allowance to noncurrent loans | 72.7151% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 1.0718% | 542 |
| Noncurrent loans to loans | 1.6168% | 518 |
| Net loans and leases to total assets | 65.5100% | 2,398 |
| Net loans and leases to deposits | 76.9154% | 2,478 |
| Net loans and leases to core deposits | 80.2896% | 2,794 |
| Total domestic deposits to total assets | 85.1800% | 2,267 |
| Equity capital to assets | 14.2435% | 631 |
| Core capital (leverage) ratio | 14.4208% | 725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2119% | 455 |
| Memoranda: | ||
| Average total assets | $417,262,000 | 1,987 |
| Average earning assets | $390,745,333 | 1,975 |
| Average equity | $59,434,000 | 1,479 |
| Average total loans | $280,086,667 | 1,911 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1147% | 2,562 |
| Cost of funding earning assets | 0.9283% | 4,067 |
| Net interest margin | 4.1864% | 864 |
| Noninterest income to average assets | 0.4000% | 2,294 |
| Noninterest expense to average assets | 2.8822% | 1,281 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.2212% | 1,392 |
| Return on assets (ROA) | 1.2212% | 1,397 |
| Pretax return on assets | 1.4421% | 1,360 |
| Return on Equity (ROE) | 8.5700% | 2,520 |
| Retained earnings to average equity (ytd only) | 6.0933% | 2,079 |
| Net charge-offs to loans | 1.3362% | 70 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 1.5979% | 2,042 |
| Efficiency ratio | 66.6519% | 2,537 |
| Assets per employee ($millions) | 6.1405% | 2,724 |
| Cash dividends to net income (ytd only)* | 28.9308% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1895% | 2,339 |
| Loan loss allowance to noncurrent loans | 60.7868% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 1.3088% | 376 |
| Noncurrent loans to loans | 1.9568% | 343 |
| Net loans and leases to total assets | 66.0900% | 2,228 |
| Net loans and leases to deposits | 77.6251% | 2,268 |
| Net loans and leases to core deposits | 81.1608% | 2,640 |
| Total domestic deposits to total assets | 85.1400% | 2,373 |
| Equity capital to assets | 14.2101% | 648 |
| Core capital (leverage) ratio | 14.6065% | 670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0024% | 490 |
| Memoranda: | ||
| Average total assets | $416,622,500 | 1,996 |
| Average earning assets | $390,402,500 | 1,980 |
| Average equity | $59,343,500 | 1,475 |
| Average total loans | $281,398,500 | 1,905 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9270% | 2,223 |
| Cost of funding earning assets | 0.4957% | 4,198 |
| Net interest margin | 4.4313% | 680 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 2.7986% | 1,503 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.3121% | 1,412 |
| Return on assets (ROA) | 1.3121% | 1,379 |
| Pretax return on assets | 1.6593% | 1,137 |
| Return on Equity (ROE) | 9.8000% | 2,554 |
| Retained earnings to average equity (ytd only) | 7.2081% | 1,825 |
| Net charge-offs to loans | 0.1384% | 727 |
| Credit loss provision to net charge-offs | 73.9899% | 2,061 |
| Earnings coverage of net charge-offs (x) | 18.3131% | 1,938 |
| Efficiency ratio | 61.8095% | 2,855 |
| Assets per employee ($millions) | 6.0116% | 2,817 |
| Cash dividends to net income (ytd only)* | 26.4220% | 2,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4278% | 1,282 |
| Loan loss allowance to noncurrent loans | 60.0326% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 1.8293% | 172 |
| Noncurrent loans to loans | 2.3783% | 211 |
| Net loans and leases to total assets | 67.3800% | 2,107 |
| Net loans and leases to deposits | 78.9405% | 2,194 |
| Net loans and leases to core deposits | 82.1750% | 2,577 |
| Total domestic deposits to total assets | 85.3500% | 2,199 |
| Equity capital to assets | 14.2112% | 644 |
| Core capital (leverage) ratio | 14.3022% | 740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3749% | 519 |
| Memoranda: | ||
| Average total assets | $419,392,400 | 1,954 |
| Average earning assets | $391,128,400 | 1,949 |
| Average equity | $56,172,600 | 1,465 |
| Average total loans | $286,200,800 | 1,842 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8508% | 2,161 |
| Cost of funding earning assets | 0.4384% | 4,215 |
| Net interest margin | 4.4123% | 689 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 3.0132% | 1,055 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.1675% | 1,885 |
| Return on assets (ROA) | 1.1675% | 1,865 |
| Pretax return on assets | 1.4613% | 1,652 |
| Return on Equity (ROE) | 8.8500% | 2,965 |
| Retained earnings to average equity (ytd only) | 6.2341% | 2,560 |
| Net charge-offs to loans | 0.0953% | 815 |
| Credit loss provision to net charge-offs | 73.1707% | 1,788 |
| Earnings coverage of net charge-offs (x) | 23.2049% | 1,740 |
| Efficiency ratio | 66.6339% | 2,199 |
| Assets per employee ($millions) | 5.5353% | 3,153 |
| Cash dividends to net income (ytd only)* | 29.5300% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4465% | 1,270 |
| Loan loss allowance to noncurrent loans | 69.8644% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 1.6289% | 212 |
| Noncurrent loans to loans | 2.0705% | 281 |
| Net loans and leases to total assets | 67.7100% | 2,079 |
| Net loans and leases to deposits | 79.1038% | 2,131 |
| Net loans and leases to core deposits | 82.1778% | 2,457 |
| Total domestic deposits to total assets | 85.6000% | 2,318 |
| Equity capital to assets | 13.9613% | 659 |
| Core capital (leverage) ratio | 14.2095% | 783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1554% | 541 |
| Memoranda: | ||
| Average total assets | $420,358,250 | 1,950 |
| Average earning assets | $392,890,750 | 1,937 |
| Average equity | $55,478,750 | 1,467 |
| Average total loans | $286,870,750 | 1,844 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7672% | 2,070 |
| Cost of funding earning assets | 0.3840% | 4,194 |
| Net interest margin | 4.3832% | 720 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 3.3441% | 656 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.9244% | 2,671 |
| Return on assets (ROA) | 0.9244% | 2,657 |
| Pretax return on assets | 1.1463% | 2,520 |
| Return on Equity (ROE) | 7.0700% | 3,468 |
| Retained earnings to average equity (ytd only) | 4.4597% | 3,094 |
| Net charge-offs to loans | 0.0727% | 841 |
| Credit loss provision to net charge-offs | 142.8571% | 1,225 |
| Earnings coverage of net charge-offs (x) | 24.6000% | 1,646 |
| Efficiency ratio | 73.3189% | 1,428 |
| Assets per employee ($millions) | 5.9566% | 2,747 |
| Cash dividends to net income (ytd only)* | 36.9521% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4579% | 1,319 |
| Loan loss allowance to noncurrent loans | 83.2867% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 1.4484% | 250 |
| Noncurrent loans to loans | 1.7504% | 350 |
| Net loans and leases to total assets | 68.6000% | 1,900 |
| Net loans and leases to deposits | 79.9279% | 1,988 |
| Net loans and leases to core deposits | 82.6000% | 2,290 |
| Total domestic deposits to total assets | 85.8200% | 2,291 |
| Equity capital to assets | 13.7572% | 673 |
| Core capital (leverage) ratio | 13.5299% | 870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7173% | 578 |
| Memoranda: | ||
| Average total assets | $424,506,333 | 1,936 |
| Average earning assets | $397,928,333 | 1,916 |
| Average equity | $55,474,667 | 1,469 |
| Average total loans | $288,682,667 | 1,829 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5611% | 2,165 |
| Cost of funding earning assets | 0.3716% | 4,031 |
| Net interest margin | 4.1895% | 963 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 4.8380% | 238 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -0.3423% | 4,571 |
| Return on assets (ROA) | -0.3423% | 4,559 |
| Pretax return on assets | -0.4573% | 4,563 |
| Return on Equity (ROE) | -2.6900% | 4,519 |
| Retained earnings to average equity (ytd only) | -5.3221% | 4,342 |
| Net charge-offs to loans | 0.0041% | 1,832 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | -164.3333% | 4,688 |
| Efficiency ratio | 110.4383% | 99 |
| Assets per employee ($millions) | 6.4110% | 2,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4010% | 1,619 |
| Loan loss allowance to noncurrent loans | 75.8044% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 1.4232% | 239 |
| Noncurrent loans to loans | 1.8482% | 326 |
| Net loans and leases to total assets | 67.5500% | 1,892 |
| Net loans and leases to deposits | 77.7427% | 1,985 |
| Net loans and leases to core deposits | 79.8375% | 2,270 |
| Total domestic deposits to total assets | 86.8900% | 2,308 |
| Equity capital to assets | 12.7055% | 826 |
| Core capital (leverage) ratio | 12.9049% | 1,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1320% | 828 |
| Memoranda: | ||
| Average total assets | $431,256,000 | 1,940 |
| Average earning assets | $404,723,000 | 1,921 |
| Average equity | $54,940,500 | 1,492 |
| Average total loans | $289,972,500 | 1,836 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9974% | 1,725 |
| Cost of funding earning assets | 0.1361% | 4,200 |
| Net interest margin | 3.8613% | 1,048 |
| Noninterest income to average assets | 0.3300% | 3,139 |
| Noninterest expense to average assets | 2.2956% | 2,747 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.2346% | 1,645 |
| Return on assets (ROA) | 1.2346% | 1,597 |
| Pretax return on assets | 1.5726% | 1,232 |
| Return on Equity (ROE) | 10.1600% | 2,759 |
| Retained earnings to average equity (ytd only) | 7.4677% | 2,043 |
| Net charge-offs to loans | 0.2318% | 340 |
| Credit loss provision to net charge-offs | 72.8070% | 1,714 |
| Earnings coverage of net charge-offs (x) | 10.7895% | 2,178 |
| Efficiency ratio | 57.6495% | 3,390 |
| Assets per employee ($millions) | 6.5614% | 2,287 |
| Cash dividends to net income (ytd only)* | 26.5223% | 2,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4444% | 1,359 |
| Loan loss allowance to noncurrent loans | 76.0693% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 1.5164% | 210 |
| Noncurrent loans to loans | 1.8988% | 303 |
| Net loans and leases to total assets | 65.0100% | 2,141 |
| Net loans and leases to deposits | 74.8042% | 2,186 |
| Net loans and leases to core deposits | 76.0840% | 2,414 |
| Total domestic deposits to total assets | 86.9100% | 2,416 |
| Equity capital to assets | 12.7552% | 754 |
| Core capital (leverage) ratio | 12.8636% | 976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6196% | 767 |
| Memoranda: | ||
| Average total assets | $437,628,400 | 1,895 |
| Average earning assets | $414,319,200 | 1,864 |
| Average equity | $53,162,400 | 1,537 |
| Average total loans | $295,097,200 | 1,742 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8380% | 1,645 |
| Cost of funding earning assets | 0.1277% | 4,052 |
| Net interest margin | 3.7103% | 1,110 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 2.2742% | 2,706 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.2200% | 1,631 |
| Return on assets (ROA) | 1.2200% | 1,605 |
| Pretax return on assets | 1.5163% | 1,370 |
| Return on Equity (ROE) | 10.1700% | 2,674 |
| Retained earnings to average equity (ytd only) | 7.4562% | 2,205 |
| Net charge-offs to loans | 0.1345% | 480 |
| Credit loss provision to net charge-offs | 62.6667% | 1,484 |
| Earnings coverage of net charge-offs (x) | 17.2600% | 1,794 |
| Efficiency ratio | 59.1060% | 3,232 |
| Assets per employee ($millions) | 6.7014% | 2,163 |
| Cash dividends to net income (ytd only)* | 26.6750% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4156% | 1,557 |
| Loan loss allowance to noncurrent loans | 69.5249% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 1.6519% | 193 |
| Noncurrent loans to loans | 2.0361% | 297 |
| Net loans and leases to total assets | 69.2800% | 1,542 |
| Net loans and leases to deposits | 79.7825% | 1,588 |
| Net loans and leases to core deposits | 81.0166% | 1,829 |
| Total domestic deposits to total assets | 86.8400% | 2,818 |
| Equity capital to assets | 12.8408% | 703 |
| Core capital (leverage) ratio | 12.3337% | 1,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7015% | 762 |
| Memoranda: | ||
| Average total assets | $438,772,000 | 1,899 |
| Average earning assets | $416,491,500 | 1,868 |
| Average equity | $52,643,750 | 1,574 |
| Average total loans | $297,456,750 | 1,722 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6304% | 1,745 |
| Cost of funding earning assets | 0.1336% | 3,793 |
| Net interest margin | 3.4968% | 1,320 |
| Noninterest income to average assets | 0.3070% | 3,324 |
| Noninterest expense to average assets | 2.1765% | 2,929 |
| Loan and lease loss provision to assets | 0.0846% | 1,171 |
| Net operating income to assets | 1.1029% | 1,763 |
| Return on assets (ROA) | 1.1029% | 1,737 |
| Pretax return on assets | 1.3684% | 1,521 |
| Return on Equity (ROE) | 9.4012% | 2,564 |
| Retained earnings to average equity (ytd only) | 6.6614% | 2,107 |
| Net charge-offs to loans | 0.1424% | 459 |
| Credit loss provision to net charge-offs | 88.6792% | 1,350 |
| Earnings coverage of net charge-offs (x) | 15.2264% | 1,640 |
| Efficiency ratio | 59.9653% | 3,300 |
| Assets per employee ($millions) | 7.0394% | 1,912 |
| Cash dividends to net income (ytd only)* | 29.1429% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4437% | 1,581 |
| Loan loss allowance to noncurrent loans | 69.7236% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 1.6797% | 194 |
| Noncurrent loans to loans | 2.0706% | 310 |
| Net loans and leases to total assets | 66.0071% | 1,690 |
| Net loans and leases to deposits | 75.2419% | 1,744 |
| Net loans and leases to core deposits | 78.5920% | 1,810 |
| Total domestic deposits to total assets | 87.7265% | 2,684 |
| Equity capital to assets | 11.9515% | 894 |
| Core capital (leverage) ratio | 11.8285% | 1,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2553% | 684 |
| Memoranda: | ||
| Average total assets | $444,300,333 | 1,889 |
| Average earning assets | $422,154,667 | 1,874 |
| Average equity | $52,121,000 | 1,630 |
| Average total loans | $297,712,333 | 1,712 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5269% | 1,716 |
| Cost of funding earning assets | 0.1625% | 3,331 |
| Net interest margin | 3.3644% | 1,392 |
| Noninterest income to average assets | 0.2923% | 3,373 |
| Noninterest expense to average assets | 2.1497% | 2,985 |
| Loan and lease loss provision to assets | 0.1079% | 777 |
| Net operating income to assets | 0.9858% | 1,940 |
| Return on assets (ROA) | 0.9858% | 1,936 |
| Pretax return on assets | 1.2377% | 1,687 |
| Return on Equity (ROE) | 8.4830% | 2,519 |
| Retained earnings to average equity (ytd only) | 5.7198% | 2,346 |
| Net charge-offs to loans | 0.0376% | 911 |
| Credit loss provision to net charge-offs | 428.5714% | 564 |
| Earnings coverage of net charge-offs (x) | 53.4286% | 904 |
| Efficiency ratio | 61.5028% | 3,327 |
| Assets per employee ($millions) | 6.7649% | 2,176 |
| Cash dividends to net income (ytd only)* | 32.5730% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4833% | 1,607 |
| Loan loss allowance to noncurrent loans | 67.2264% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 1.5490% | 231 |
| Noncurrent loans to loans | 2.2064% | 305 |
| Net loans and leases to total assets | 65.5140% | 1,459 |
| Net loans and leases to deposits | 74.4185% | 1,565 |
| Net loans and leases to core deposits | 77.7613% | 1,633 |
| Total domestic deposits to total assets | 88.0345% | 2,506 |
| Equity capital to assets | 11.6479% | 1,076 |
| Core capital (leverage) ratio | 11.9508% | 1,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7308% | 797 |
| Memoranda: | ||
| Average total assets | $444,708,500 | 1,897 |
| Average earning assets | $423,371,500 | 1,877 |
| Average equity | $51,680,000 | 1,687 |
| Average total loans | $298,059,000 | 1,711 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3860% | 2,967 |
| Cost of funding earning assets | 0.1596% | 3,872 |
| Net interest margin | 3.2264% | 2,535 |
| Noninterest income to average assets | 0.3073% | 3,565 |
| Noninterest expense to average assets | 1.9048% | 3,912 |
| Loan and lease loss provision to assets | 0.2118% | 496 |
| Net operating income to assets | 1.0381% | 2,526 |
| Return on assets (ROA) | 1.0381% | 2,598 |
| Pretax return on assets | 1.2737% | 2,447 |
| Return on Equity (ROE) | 9.6073% | 2,672 |
| Retained earnings to average equity (ytd only) | 6.7329% | 2,027 |
| Net charge-offs to loans | 0.2394% | 388 |
| Credit loss provision to net charge-offs | 141.1594% | 1,532 |
| Earnings coverage of net charge-offs (x) | 9.8986% | 2,240 |
| Efficiency ratio | 56.1842% | 3,688 |
| Assets per employee ($millions) | 6.9208% | 1,974 |
| Cash dividends to net income (ytd only)* | 29.9183% | 2,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4412% | 1,764 |
| Loan loss allowance to noncurrent loans | 61.7234% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 1.5964% | 253 |
| Noncurrent loans to loans | 2.3349% | 301 |
| Net loans and leases to total assets | 66.5773% | 1,412 |
| Net loans and leases to deposits | 75.5662% | 1,599 |
| Net loans and leases to core deposits | 78.9856% | 1,677 |
| Total domestic deposits to total assets | 88.1045% | 1,990 |
| Equity capital to assets | 11.5941% | 1,463 |
| Core capital (leverage) ratio | 11.1713% | 1,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9520% | 900 |
| Memoranda: | ||
| Average total assets | $459,777,000 | 1,815 |
| Average earning assets | $439,339,000 | 1,769 |
| Average equity | $49,681,200 | 1,779 |
| Average total loans | $288,183,800 | 1,749 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3503% | 3,248 |
| Cost of funding earning assets | 0.1722% | 3,904 |
| Net interest margin | 3.1781% | 2,800 |
| Noninterest income to average assets | 0.3023% | 3,623 |
| Noninterest expense to average assets | 1.8135% | 4,138 |
| Loan and lease loss provision to assets | 0.1933% | 541 |
| Net operating income to assets | 1.0810% | 2,622 |
| Return on assets (ROA) | 1.0810% | 2,683 |
| Pretax return on assets | 1.3348% | 2,532 |
| Return on Equity (ROE) | 10.1818% | 2,670 |
| Retained earnings to average equity (ytd only) | 7.2832% | 2,313 |
| Net charge-offs to loans | 0.1537% | 540 |
| Credit loss provision to net charge-offs | 204.5593% | 1,193 |
| Earnings coverage of net charge-offs (x) | 16.1641% | 1,844 |
| Efficiency ratio | 54.2695% | 3,770 |
| Assets per employee ($millions) | 7.2381% | 1,717 |
| Cash dividends to net income (ytd only)* | 28.4689% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5087% | 1,597 |
| Loan loss allowance to noncurrent loans | 53.8291% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 1.7444% | 249 |
| Noncurrent loans to loans | 2.8028% | 245 |
| Net loans and leases to total assets | 60.6639% | 2,176 |
| Net loans and leases to deposits | 68.1928% | 2,421 |
| Net loans and leases to core deposits | 70.4957% | 2,550 |
| Total domestic deposits to total assets | 88.9594% | 1,302 |
| Equity capital to assets | 10.7764% | 2,188 |
| Core capital (leverage) ratio | 10.5602% | 2,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7049% | 1,008 |
| Memoranda: | ||
| Average total assets | $463,988,250 | 1,815 |
| Average earning assets | $443,734,000 | 1,777 |
| Average equity | $49,263,000 | 1,811 |
| Average total loans | $285,428,750 | 1,797 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3757% | 3,246 |
| Cost of funding earning assets | 0.1921% | 3,832 |
| Net interest margin | 3.1836% | 2,801 |
| Noninterest income to average assets | 0.3040% | 3,613 |
| Noninterest expense to average assets | 1.7907% | 4,204 |
| Loan and lease loss provision to assets | 0.2300% | 456 |
| Net operating income to assets | 1.0783% | 2,613 |
| Return on assets (ROA) | 1.0783% | 2,682 |
| Pretax return on assets | 1.3265% | 2,561 |
| Return on Equity (ROE) | 10.2083% | 2,675 |
| Retained earnings to average equity (ytd only) | 7.2811% | 2,327 |
| Net charge-offs to loans | 0.0993% | 742 |
| Credit loss provision to net charge-offs | 376.5957% | 783 |
| Earnings coverage of net charge-offs (x) | 25.4894% | 1,406 |
| Efficiency ratio | 53.4998% | 3,866 |
| Assets per employee ($millions) | 8.4724% | 1,017 |
| Cash dividends to net income (ytd only)* | 28.6747% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5311% | 1,486 |
| Loan loss allowance to noncurrent loans | 47.9696% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 1.8655% | 237 |
| Noncurrent loans to loans | 3.1919% | 217 |
| Net loans and leases to total assets | 56.8392% | 2,799 |
| Net loans and leases to deposits | 63.3048% | 3,073 |
| Net loans and leases to core deposits | 65.4558% | 3,161 |
| Total domestic deposits to total assets | 89.7866% | 877 |
| Equity capital to assets | 9.9597% | 2,887 |
| Core capital (leverage) ratio | 10.9382% | 1,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3617% | 1,056 |
| Memoranda: | ||
| Average total assets | $461,826,333 | 1,814 |
| Average earning assets | $441,449,667 | 1,783 |
| Average equity | $48,784,000 | 1,810 |
| Average total loans | $283,978,333 | 1,811 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6104% | 2,609 |
| Cost of funding earning assets | 0.2338% | 3,615 |
| Net interest margin | 3.3765% | 2,169 |
| Noninterest income to average assets | 0.3071% | 3,572 |
| Noninterest expense to average assets | 1.8726% | 4,051 |
| Loan and lease loss provision to assets | 0.2656% | 373 |
| Net operating income to assets | 1.1355% | 2,370 |
| Return on assets (ROA) | 1.1355% | 2,444 |
| Pretax return on assets | 1.3911% | 2,304 |
| Return on Equity (ROE) | 10.4136% | 2,560 |
| Retained earnings to average equity (ytd only) | 7.4560% | 2,432 |
| Net charge-offs to loans | 0.0114% | 1,524 |
| Credit loss provision to net charge-offs | 3,675.0000% | 155 |
| Earnings coverage of net charge-offs (x) | 229.2500% | 366 |
| Efficiency ratio | 53.0586% | 3,904 |
| Assets per employee ($millions) | 8.1995% | 1,101 |
| Cash dividends to net income (ytd only)* | 28.4010% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5322% | 1,496 |
| Loan loss allowance to noncurrent loans | 43.4485% | 4,061 |
| Noncurrent assets plus other real estate owned to assets | 2.1490% | 220 |
| Noncurrent loans to loans | 3.5265% | 184 |
| Net loans and leases to total assets | 59.3180% | 2,632 |
| Net loans and leases to deposits | 66.4475% | 2,872 |
| Net loans and leases to core deposits | 68.9812% | 2,969 |
| Total domestic deposits to total assets | 89.2705% | 1,188 |
| Equity capital to assets | 10.4646% | 2,299 |
| Core capital (leverage) ratio | 11.2210% | 1,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1283% | 910 |
| Memoranda: | ||
| Average total assets | $442,803,000 | 1,862 |
| Average earning assets | $422,562,500 | 1,831 |
| Average equity | $48,283,000 | 1,810 |
| Average total loans | $281,696,500 | 1,824 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1928% | 2,160 |
| Cost of funding earning assets | 0.3744% | 3,741 |
| Net interest margin | 3.8184% | 1,450 |
| Noninterest income to average assets | 0.3354% | 3,453 |
| Noninterest expense to average assets | 2.2358% | 3,572 |
| Loan and lease loss provision to assets | 0.2797% | 1,368 |
| Net operating income to assets | 1.0830% | 1,978 |
| Return on assets (ROA) | 1.0830% | 2,113 |
| Pretax return on assets | 1.4236% | 1,586 |
| Return on Equity (ROE) | 8.9587% | 2,409 |
| Retained earnings to average equity (ytd only) | 5.8806% | 1,854 |
| Net charge-offs to loans | 0.1959% | 876 |
| Credit loss provision to net charge-offs | 194.2134% | 2,189 |
| Earnings coverage of net charge-offs (x) | 11.8282% | 2,380 |
| Efficiency ratio | 56.7594% | 3,888 |
| Assets per employee ($millions) | 7.2109% | 1,443 |
| Cash dividends to net income (ytd only)* | 34.3592% | 2,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4292% | 1,856 |
| Loan loss allowance to noncurrent loans | 41.8929% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 2.3265% | 210 |
| Noncurrent loans to loans | 3.4115% | 214 |
| Net loans and leases to total assets | 66.4258% | 2,029 |
| Net loans and leases to deposits | 75.2070% | 2,360 |
| Net loans and leases to core deposits | 78.3643% | 2,528 |
| Total domestic deposits to total assets | 88.3239% | 1,313 |
| Equity capital to assets | 11.3949% | 1,962 |
| Core capital (leverage) ratio | 11.3667% | 1,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2004% | 873 |
| Memoranda: | ||
| Average total assets | $384,030,000 | 1,914 |
| Average earning assets | $362,429,000 | 1,895 |
| Average equity | $46,424,000 | 1,800 |
| Average total loans | $282,233,800 | 1,761 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3150% | 2,052 |
| Cost of funding earning assets | 0.4190% | 3,710 |
| Net interest margin | 3.8961% | 1,360 |
| Noninterest income to average assets | 0.3352% | 3,476 |
| Noninterest expense to average assets | 2.1210% | 3,894 |
| Loan and lease loss provision to assets | 0.3241% | 1,207 |
| Net operating income to assets | 1.2517% | 1,477 |
| Return on assets (ROA) | 1.2517% | 1,593 |
| Pretax return on assets | 1.5621% | 1,297 |
| Return on Equity (ROE) | 10.1915% | 1,955 |
| Retained earnings to average equity (ytd only) | 7.0950% | 1,649 |
| Net charge-offs to loans | 0.0378% | 2,089 |
| Credit loss provision to net charge-offs | 1,141.2500% | 763 |
| Earnings coverage of net charge-offs (x) | 66.4000% | 1,032 |
| Efficiency ratio | 52.9287% | 4,258 |
| Assets per employee ($millions) | 6.6038% | 1,749 |
| Cash dividends to net income (ytd only)* | 30.3830% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5556% | 1,217 |
| Loan loss allowance to noncurrent loans | 40.8125% | 4,174 |
| Noncurrent assets plus other real estate owned to assets | 2.6684% | 186 |
| Noncurrent loans to loans | 3.8115% | 180 |
| Net loans and leases to total assets | 68.1823% | 2,213 |
| Net loans and leases to deposits | 77.5371% | 2,584 |
| Net loans and leases to core deposits | 81.1812% | 2,736 |
| Total domestic deposits to total assets | 87.9351% | 1,239 |
| Equity capital to assets | 11.7621% | 1,834 |
| Core capital (leverage) ratio | 11.9507% | 1,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5846% | 824 |
| Memoranda: | ||
| Average total assets | $375,479,500 | 1,921 |
| Average earning assets | $353,887,000 | 1,906 |
| Average equity | $46,115,750 | 1,805 |
| Average total loans | $282,331,750 | 1,753 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4586% | 2,040 |
| Cost of funding earning assets | 0.4803% | 3,655 |
| Net interest margin | 3.9784% | 1,379 |
| Noninterest income to average assets | 0.3472% | 3,395 |
| Noninterest expense to average assets | 2.2240% | 3,711 |
| Loan and lease loss provision to assets | 0.3150% | 1,361 |
| Net operating income to assets | 1.2496% | 1,493 |
| Return on assets (ROA) | 1.2496% | 1,612 |
| Pretax return on assets | 1.5526% | 1,339 |
| Return on Equity (ROE) | 10.0188% | 1,978 |
| Retained earnings to average equity (ytd only) | 6.8937% | 1,703 |
| Net charge-offs to loans | 0.0416% | 1,908 |
| Credit loss provision to net charge-offs | 977.9661% | 805 |
| Earnings coverage of net charge-offs (x) | 57.9831% | 992 |
| Efficiency ratio | 54.3562% | 4,137 |
| Assets per employee ($millions) | 6.9427% | 1,468 |
| Cash dividends to net income (ytd only)* | 31.1927% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4122% | 1,547 |
| Loan loss allowance to noncurrent loans | 34.1478% | 4,321 |
| Noncurrent assets plus other real estate owned to assets | 3.1215% | 146 |
| Noncurrent loans to loans | 4.1355% | 159 |
| Net loans and leases to total assets | 72.2733% | 1,659 |
| Net loans and leases to deposits | 82.3954% | 2,165 |
| Net loans and leases to core deposits | 86.4142% | 2,403 |
| Total domestic deposits to total assets | 87.7153% | 1,324 |
| Equity capital to assets | 11.9606% | 1,688 |
| Core capital (leverage) ratio | 12.2499% | 1,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6474% | 817 |
| Memoranda: | ||
| Average total assets | $366,363,000 | 1,932 |
| Average earning assets | $344,813,000 | 1,919 |
| Average equity | $45,694,000 | 1,801 |
| Average total loans | $283,443,000 | 1,733 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7319% | 1,611 |
| Cost of funding earning assets | 0.5593% | 3,644 |
| Net interest margin | 4.1726% | 973 |
| Noninterest income to average assets | 0.4145% | 3,002 |
| Noninterest expense to average assets | 2.5105% | 3,241 |
| Loan and lease loss provision to assets | 0.2320% | 1,338 |
| Net operating income to assets | 1.2806% | 1,296 |
| Return on assets (ROA) | 1.2806% | 1,392 |
| Pretax return on assets | 1.5960% | 1,061 |
| Return on Equity (ROE) | 10.0420% | 1,738 |
| Retained earnings to average equity (ytd only) | 6.8889% | 1,580 |
| Net charge-offs to loans | 0.0948% | 1,122 |
| Credit loss provision to net charge-offs | 307.4627% | 1,161 |
| Earnings coverage of net charge-offs (x) | 24.2239% | 1,306 |
| Efficiency ratio | 57.8660% | 4,018 |
| Assets per employee ($millions) | 6.3031% | 1,459 |
| Cash dividends to net income (ytd only)* | 31.3984% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2952% | 2,174 |
| Loan loss allowance to noncurrent loans | 30.9823% | 4,389 |
| Noncurrent assets plus other real estate owned to assets | 3.3473% | 155 |
| Noncurrent loans to loans | 4.1803% | 175 |
| Net loans and leases to total assets | 76.0070% | 1,308 |
| Net loans and leases to deposits | 87.2157% | 1,835 |
| Net loans and leases to core deposits | 91.6365% | 2,201 |
| Total domestic deposits to total assets | 87.1483% | 1,488 |
| Equity capital to assets | 12.5027% | 1,728 |
| Core capital (leverage) ratio | 12.8038% | 1,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0001% | 866 |
| Memoranda: | ||
| Average total assets | $355,148,500 | 1,939 |
| Average earning assets | $333,985,000 | 1,917 |
| Average equity | $45,290,000 | 1,806 |
| Average total loans | $282,655,500 | 1,701 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8683% | 1,850 |
| Cost of funding earning assets | 0.5488% | 3,882 |
| Net interest margin | 4.3196% | 1,049 |
| Noninterest income to average assets | 0.4596% | 2,951 |
| Noninterest expense to average assets | 2.3735% | 3,756 |
| Loan and lease loss provision to assets | 0.3803% | 391 |
| Net operating income to assets | 1.3987% | 1,348 |
| Return on assets (ROA) | 1.3987% | 1,419 |
| Pretax return on assets | 1.7612% | 1,043 |
| Return on Equity (ROE) | 11.0685% | 1,853 |
| Retained earnings to average equity (ytd only) | 7.7625% | 1,055 |
| Net charge-offs to loans | 0.4541% | 410 |
| Credit loss provision to net charge-offs | 104.8387% | 2,361 |
| Earnings coverage of net charge-offs (x) | 5.9032% | 3,032 |
| Efficiency ratio | 52.5692% | 4,564 |
| Assets per employee ($millions) | 5.7453% | 1,840 |
| Cash dividends to net income (ytd only)* | 29.8682% | 3,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2357% | 2,255 |
| Loan loss allowance to noncurrent loans | 28.2299% | 4,455 |
| Noncurrent assets plus other real estate owned to assets | 3.7311% | 115 |
| Noncurrent loans to loans | 4.3774% | 136 |
| Net loans and leases to total assets | 81.3106% | 641 |
| Net loans and leases to deposits | 93.8289% | 1,173 |
| Net loans and leases to core deposits | 98.9812% | 1,651 |
| Total domestic deposits to total assets | 86.6584% | 1,776 |
| Equity capital to assets | 13.0172% | 1,509 |
| Core capital (leverage) ratio | 12.8000% | 1,333 |
| Tier 1 risk-based capital ratio | 18.2865% | 1,691 |
| Total risk-based capital ratio | 19.5388% | 1,652 |
| Memoranda: | ||
| Average total assets | $341,809,000 | 1,939 |
| Average earning assets | $320,910,400 | 1,919 |
| Average equity | $43,194,600 | 1,810 |
| Average total loans | $273,080,200 | 1,718 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8431% | 1,994 |
| Cost of funding earning assets | 0.5478% | 3,942 |
| Net interest margin | 4.2953% | 1,171 |
| Noninterest income to average assets | 0.4714% | 2,895 |
| Noninterest expense to average assets | 2.2907% | 3,978 |
| Loan and lease loss provision to assets | 0.3893% | 336 |
| Net operating income to assets | 1.4381% | 1,357 |
| Return on assets (ROA) | 1.4381% | 1,415 |
| Pretax return on assets | 1.8220% | 1,028 |
| Return on Equity (ROE) | 11.4675% | 1,812 |
| Retained earnings to average equity (ytd only) | 8.1292% | 1,338 |
| Net charge-offs to loans | 0.5695% | 291 |
| Credit loss provision to net charge-offs | 86.2338% | 2,436 |
| Earnings coverage of net charge-offs (x) | 4.8978% | 2,969 |
| Efficiency ratio | 50.8813% | 4,686 |
| Assets per employee ($millions) | 5.6794% | 1,864 |
| Cash dividends to net income (ytd only)* | 29.1111% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1830% | 2,599 |
| Loan loss allowance to noncurrent loans | 29.1955% | 4,511 |
| Noncurrent assets plus other real estate owned to assets | 3.4407% | 147 |
| Noncurrent loans to loans | 4.0521% | 166 |
| Net loans and leases to total assets | 79.2750% | 945 |
| Net loans and leases to deposits | 92.4183% | 1,384 |
| Net loans and leases to core deposits | 97.9553% | 1,828 |
| Total domestic deposits to total assets | 85.7784% | 2,092 |
| Equity capital to assets | 12.7373% | 1,762 |
| Core capital (leverage) ratio | 12.8011% | 1,435 |
| Tier 1 risk-based capital ratio | 17.9881% | 1,823 |
| Total risk-based capital ratio | 19.2391% | 1,772 |
| Memoranda: | ||
| Average total assets | $341,081,250 | 1,955 |
| Average earning assets | $320,065,000 | 1,934 |
| Average equity | $42,775,000 | 1,834 |
| Average total loans | $270,400,000 | 1,741 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8414% | 1,931 |
| Cost of funding earning assets | 0.5406% | 3,934 |
| Net interest margin | 4.3007% | 1,145 |
| Noninterest income to average assets | 0.4256% | 3,096 |
| Noninterest expense to average assets | 2.3172% | 3,960 |
| Loan and lease loss provision to assets | 0.3354% | 388 |
| Net operating income to assets | 1.4200% | 1,375 |
| Return on assets (ROA) | 1.4200% | 1,428 |
| Pretax return on assets | 1.8102% | 1,007 |
| Return on Equity (ROE) | 11.3836% | 1,832 |
| Retained earnings to average equity (ytd only) | 8.0096% | 1,391 |
| Net charge-offs to loans | 0.3412% | 495 |
| Credit loss provision to net charge-offs | 124.5077% | 1,699 |
| Earnings coverage of net charge-offs (x) | 7.9650% | 2,447 |
| Efficiency ratio | 51.9218% | 4,661 |
| Assets per employee ($millions) | 5.7477% | 1,747 |
| Cash dividends to net income (ytd only)* | 29.6389% | 2,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2967% | 2,032 |
| Loan loss allowance to noncurrent loans | 38.2154% | 4,413 |
| Noncurrent assets plus other real estate owned to assets | 2.9502% | 206 |
| Noncurrent loans to loans | 3.3931% | 258 |
| Net loans and leases to total assets | 78.5559% | 1,112 |
| Net loans and leases to deposits | 91.3686% | 1,574 |
| Net loans and leases to core deposits | 96.0564% | 2,065 |
| Total domestic deposits to total assets | 85.9769% | 2,044 |
| Equity capital to assets | 12.5312% | 1,836 |
| Core capital (leverage) ratio | 12.5398% | 1,515 |
| Tier 1 risk-based capital ratio | 17.5425% | 1,928 |
| Total risk-based capital ratio | 18.7948% | 1,887 |
| Memoranda: | ||
| Average total assets | $339,293,000 | 1,967 |
| Average earning assets | $318,506,000 | 1,951 |
| Average equity | $42,324,000 | 1,849 |
| Average total loans | $267,889,000 | 1,762 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7661% | 2,009 |
| Cost of funding earning assets | 0.5496% | 3,825 |
| Net interest margin | 4.2164% | 1,273 |
| Noninterest income to average assets | 0.4244% | 3,016 |
| Noninterest expense to average assets | 2.3904% | 3,790 |
| Loan and lease loss provision to assets | 0.3209% | 387 |
| Net operating income to assets | 1.3408% | 1,557 |
| Return on assets (ROA) | 1.3408% | 1,595 |
| Pretax return on assets | 1.6796% | 1,260 |
| Return on Equity (ROE) | 10.7740% | 2,039 |
| Retained earnings to average equity (ytd only) | 7.3642% | 1,898 |
| Net charge-offs to loans | 0.1678% | 811 |
| Credit loss provision to net charge-offs | 243.2432% | 939 |
| Earnings coverage of net charge-offs (x) | 15.1622% | 1,756 |
| Efficiency ratio | 54.4396% | 4,493 |
| Assets per employee ($millions) | 5.7816% | 1,717 |
| Cash dividends to net income (ytd only)* | 31.6489% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3433% | 1,900 |
| Loan loss allowance to noncurrent loans | 35.6254% | 4,531 |
| Noncurrent assets plus other real estate owned to assets | 3.1978% | 183 |
| Noncurrent loans to loans | 3.7706% | 223 |
| Net loans and leases to total assets | 77.6400% | 1,216 |
| Net loans and leases to deposits | 90.1743% | 1,607 |
| Net loans and leases to core deposits | 94.0734% | 2,116 |
| Total domestic deposits to total assets | 86.1000% | 2,231 |
| Equity capital to assets | 12.3979% | 1,804 |
| Core capital (leverage) ratio | 12.5308% | 1,494 |
| Tier 1 risk-based capital ratio | 17.4433% | 1,955 |
| Total risk-based capital ratio | 18.6964% | 1,899 |
| Memoranda: | ||
| Average total assets | $336,509,500 | 1,990 |
| Average earning assets | $316,571,500 | 1,971 |
| Average equity | $41,878,500 | 1,860 |
| Average total loans | $264,600,000 | 1,784 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5008% | 2,458 |
| Cost of funding earning assets | 0.3688% | 4,168 |
| Net interest margin | 4.1320% | 1,581 |
| Noninterest income to average assets | 0.4826% | 2,932 |
| Noninterest expense to average assets | 2.3269% | 4,060 |
| Loan and lease loss provision to assets | 0.3106% | 518 |
| Net operating income to assets | 1.3819% | 1,492 |
| Return on assets (ROA) | 1.3819% | 1,484 |
| Pretax return on assets | 1.7309% | 1,088 |
| Return on Equity (ROE) | 11.4641% | 1,911 |
| Retained earnings to average equity (ytd only) | 7.9346% | 1,267 |
| Net charge-offs to loans | 0.2713% | 713 |
| Credit loss provision to net charge-offs | 153.9730% | 1,790 |
| Earnings coverage of net charge-offs (x) | 10.1214% | 2,753 |
| Efficiency ratio | 53.2673% | 4,687 |
| Assets per employee ($millions) | 5.7225% | 1,748 |
| Cash dividends to net income (ytd only)* | 30.7877% | 3,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3219% | 1,943 |
| Loan loss allowance to noncurrent loans | 36.1624% | 4,549 |
| Noncurrent assets plus other real estate owned to assets | 3.0445% | 202 |
| Noncurrent loans to loans | 3.6556% | 230 |
| Net loans and leases to total assets | 77.5240% | 1,350 |
| Net loans and leases to deposits | 90.1174% | 1,784 |
| Net loans and leases to core deposits | 94.5248% | 2,184 |
| Total domestic deposits to total assets | 86.0255% | 2,217 |
| Equity capital to assets | 12.4933% | 1,579 |
| Core capital (leverage) ratio | 12.3063% | 1,558 |
| Tier 1 risk-based capital ratio | 17.3880% | 1,925 |
| Total risk-based capital ratio | 18.6405% | 1,885 |
| Memoranda: | ||
| Average total assets | $330,702,600 | 1,988 |
| Average earning assets | $310,989,600 | 1,965 |
| Average equity | $39,863,600 | 1,872 |
| Average total loans | $245,828,400 | 1,848 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4113% | 2,591 |
| Cost of funding earning assets | 0.3510% | 4,176 |
| Net interest margin | 4.0603% | 1,760 |
| Noninterest income to average assets | 0.4758% | 3,007 |
| Noninterest expense to average assets | 2.2368% | 4,243 |
| Loan and lease loss provision to assets | 0.2772% | 548 |
| Net operating income to assets | 1.3999% | 1,494 |
| Return on assets (ROA) | 1.3999% | 1,493 |
| Pretax return on assets | 1.7752% | 1,073 |
| Return on Equity (ROE) | 11.7204% | 1,896 |
| Retained earnings to average equity (ytd only) | 8.1728% | 1,571 |
| Net charge-offs to loans | 0.2137% | 799 |
| Credit loss provision to net charge-offs | 177.0619% | 1,519 |
| Earnings coverage of net charge-offs (x) | 13.1083% | 2,394 |
| Efficiency ratio | 52.1498% | 4,796 |
| Assets per employee ($millions) | 5.5730% | 1,851 |
| Cash dividends to net income (ytd only)* | 30.2682% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3351% | 1,940 |
| Loan loss allowance to noncurrent loans | 33.6146% | 4,685 |
| Noncurrent assets plus other real estate owned to assets | 3.0328% | 237 |
| Noncurrent loans to loans | 3.9717% | 209 |
| Net loans and leases to total assets | 74.8348% | 1,847 |
| Net loans and leases to deposits | 87.5757% | 2,204 |
| Net loans and leases to core deposits | 91.8592% | 2,495 |
| Total domestic deposits to total assets | 85.4515% | 2,425 |
| Equity capital to assets | 12.1784% | 1,782 |
| Core capital (leverage) ratio | 12.0390% | 1,764 |
| Tier 1 risk-based capital ratio | 17.3778% | 1,976 |
| Total risk-based capital ratio | 18.6303% | 1,922 |
| Memoranda: | ||
| Average total assets | $330,402,000 | 1,998 |
| Average earning assets | $310,318,000 | 1,979 |
| Average equity | $39,463,000 | 1,884 |
| Average total loans | $242,097,250 | 1,876 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3458% | 2,602 |
| Cost of funding earning assets | 0.3345% | 4,171 |
| Net interest margin | 4.0113% | 1,822 |
| Noninterest income to average assets | 0.4789% | 2,981 |
| Noninterest expense to average assets | 2.2372% | 4,284 |
| Loan and lease loss provision to assets | 0.2741% | 542 |
| Net operating income to assets | 1.3547% | 1,588 |
| Return on assets (ROA) | 1.3547% | 1,594 |
| Pretax return on assets | 1.7285% | 1,143 |
| Return on Equity (ROE) | 11.4181% | 1,945 |
| Retained earnings to average equity (ytd only) | 7.8374% | 1,692 |
| Net charge-offs to loans | 0.0311% | 2,234 |
| Credit loss provision to net charge-offs | 1,218.9189% | 344 |
| Earnings coverage of net charge-offs (x) | 89.0541% | 755 |
| Efficiency ratio | 52.7666% | 4,805 |
| Assets per employee ($millions) | 5.4820% | 1,898 |
| Cash dividends to net income (ytd only)* | 31.3594% | 2,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4343% | 1,622 |
| Loan loss allowance to noncurrent loans | 50.4322% | 4,414 |
| Noncurrent assets plus other real estate owned to assets | 2.0963% | 493 |
| Noncurrent loans to loans | 2.8439% | 414 |
| Net loans and leases to total assets | 71.9489% | 2,284 |
| Net loans and leases to deposits | 83.0576% | 2,643 |
| Net loans and leases to core deposits | 86.7899% | 2,840 |
| Total domestic deposits to total assets | 86.6253% | 2,006 |
| Equity capital to assets | 11.9120% | 1,915 |
| Core capital (leverage) ratio | 12.0473% | 1,683 |
| Tier 1 risk-based capital ratio | 17.4240% | 1,961 |
| Total risk-based capital ratio | 18.6772% | 1,916 |
| Memoranda: | ||
| Average total assets | $329,076,670 | 2,011 |
| Average earning assets | $308,524,670 | 1,996 |
| Average equity | $39,043,330 | 1,901 |
| Average total loans | $238,257,330 | 1,903 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3398% | 2,387 |
| Cost of funding earning assets | 0.3405% | 4,059 |
| Net interest margin | 3.9993% | 1,732 |
| Noninterest income to average assets | 0.4804% | 2,936 |
| Noninterest expense to average assets | 2.2916% | 4,206 |
| Loan and lease loss provision to assets | 0.2880% | 464 |
| Net operating income to assets | 1.3370% | 1,517 |
| Return on assets (ROA) | 1.3370% | 1,535 |
| Pretax return on assets | 1.6433% | 1,262 |
| Return on Equity (ROE) | 11.2917% | 1,857 |
| Retained earnings to average equity (ytd only) | 7.7106% | 1,954 |
| Net charge-offs to loans | 0.0374% | 1,774 |
| Credit loss provision to net charge-offs | 1,068.1818% | 324 |
| Earnings coverage of net charge-offs (x) | 71.6364% | 761 |
| Efficiency ratio | 54.2658% | 4,771 |
| Assets per employee ($millions) | 5.5232% | 1,920 |
| Cash dividends to net income (ytd only)* | 31.7140% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3883% | 1,886 |
| Loan loss allowance to noncurrent loans | 45.1313% | 4,533 |
| Noncurrent assets plus other real estate owned to assets | 2.2650% | 445 |
| Noncurrent loans to loans | 3.0760% | 383 |
| Net loans and leases to total assets | 71.9330% | 2,176 |
| Net loans and leases to deposits | 83.1496% | 2,485 |
| Net loans and leases to core deposits | 86.7558% | 2,742 |
| Total domestic deposits to total assets | 86.5103% | 2,314 |
| Equity capital to assets | 11.9827% | 1,803 |
| Core capital (leverage) ratio | 11.9410% | 1,688 |
| Tier 1 risk-based capital ratio | 17.8572% | 1,874 |
| Total risk-based capital ratio | 19.1102% | 1,821 |
| Memoranda: | ||
| Average total assets | $326,414,500 | 2,040 |
| Average earning assets | $305,450,500 | 2,021 |
| Average equity | $38,648,000 | 1,931 |
| Average total loans | $235,336,500 | 1,928 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2224% | 2,605 |
| Cost of funding earning assets | 0.2792% | 4,318 |
| Net interest margin | 3.9432% | 1,944 |
| Noninterest income to average assets | 0.4967% | 3,021 |
| Noninterest expense to average assets | 2.3765% | 4,142 |
| Loan and lease loss provision to assets | 0.3430% | 471 |
| Net operating income to assets | 0.9568% | 2,416 |
| Return on assets (ROA) | 0.9568% | 2,451 |
| Pretax return on assets | 1.4535% | 1,807 |
| Return on Equity (ROE) | 8.0079% | 2,789 |
| Retained earnings to average equity (ytd only) | 4.3861% | 2,526 |
| Net charge-offs to loans | 0.2617% | 996 |
| Credit loss provision to net charge-offs | 183.6457% | 1,479 |
| Earnings coverage of net charge-offs (x) | 9.6184% | 2,765 |
| Efficiency ratio | 56.9501% | 4,663 |
| Assets per employee ($millions) | 5.6372% | 1,806 |
| Cash dividends to net income (ytd only)* | 45.2278% | 2,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3251% | 2,091 |
| Loan loss allowance to noncurrent loans | 41.0942% | 4,672 |
| Noncurrent assets plus other real estate owned to assets | 2.5529% | 360 |
| Noncurrent loans to loans | 3.2245% | 329 |
| Net loans and leases to total assets | 70.3079% | 2,478 |
| Net loans and leases to deposits | 80.9780% | 2,818 |
| Net loans and leases to core deposits | 84.4609% | 3,028 |
| Total domestic deposits to total assets | 86.8234% | 2,079 |
| Equity capital to assets | 11.6981% | 2,034 |
| Core capital (leverage) ratio | 11.9476% | 1,630 |
| Tier 1 risk-based capital ratio | 17.5232% | 1,937 |
| Total risk-based capital ratio | 18.7753% | 1,891 |
| Memoranda: | ||
| Average total assets | $314,286,600 | 2,094 |
| Average earning assets | $293,009,800 | 2,079 |
| Average equity | $37,550,200 | 1,950 |
| Average total loans | $224,273,800 | 1,973 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2116% | 2,570 |
| Cost of funding earning assets | 0.2823% | 4,297 |
| Net interest margin | 3.9294% | 1,933 |
| Noninterest income to average assets | 0.5014% | 3,022 |
| Noninterest expense to average assets | 2.1835% | 4,561 |
| Loan and lease loss provision to assets | 0.3368% | 444 |
| Net operating income to assets | 1.0997% | 2,097 |
| Return on assets (ROA) | 1.0997% | 2,147 |
| Pretax return on assets | 1.6439% | 1,261 |
| Return on Equity (ROE) | 9.1537% | 2,520 |
| Retained earnings to average equity (ytd only) | 5.5186% | 2,529 |
| Net charge-offs to loans | 0.2707% | 801 |
| Credit loss provision to net charge-offs | 174.2794% | 1,503 |
| Earnings coverage of net charge-offs (x) | 10.2483% | 2,615 |
| Efficiency ratio | 52.4339% | 5,065 |
| Assets per employee ($millions) | 5.3178% | 2,101 |
| Cash dividends to net income (ytd only)* | 39.7115% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2980% | 2,360 |
| Loan loss allowance to noncurrent loans | 37.5384% | 4,808 |
| Noncurrent assets plus other real estate owned to assets | 2.7547% | 347 |
| Noncurrent loans to loans | 3.4579% | 320 |
| Net loans and leases to total assets | 71.0358% | 2,403 |
| Net loans and leases to deposits | 82.2744% | 2,748 |
| Net loans and leases to core deposits | 87.2766% | 2,844 |
| Total domestic deposits to total assets | 86.3400% | 2,155 |
| Equity capital to assets | 12.1588% | 1,861 |
| Core capital (leverage) ratio | 11.9787% | 1,700 |
| Tier 1 risk-based capital ratio | 18.0144% | 1,850 |
| Total risk-based capital ratio | 19.2658% | 1,802 |
| Memoranda: | ||
| Average total assets | $311,118,500 | 2,125 |
| Average earning assets | $290,015,250 | 2,113 |
| Average equity | $37,375,750 | 1,966 |
| Average total loans | $222,101,000 | 1,992 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1645% | 2,610 |
| Cost of funding earning assets | 0.2829% | 4,258 |
| Net interest margin | 3.8816% | 1,995 |
| Noninterest income to average assets | 0.5009% | 3,021 |
| Noninterest expense to average assets | 2.2041% | 4,556 |
| Loan and lease loss provision to assets | 0.3629% | 389 |
| Net operating income to assets | 1.1101% | 1,928 |
| Return on assets (ROA) | 1.1101% | 1,979 |
| Pretax return on assets | 1.5517% | 1,490 |
| Return on Equity (ROE) | 9.2784% | 2,376 |
| Retained earnings to average equity (ytd only) | 5.6306% | 2,333 |
| Net charge-offs to loans | 0.1041% | 1,588 |
| Credit loss provision to net charge-offs | 489.5652% | 679 |
| Earnings coverage of net charge-offs (x) | 25.8261% | 1,594 |
| Efficiency ratio | 53.5139% | 5,054 |
| Assets per employee ($millions) | 5.3256% | 2,029 |
| Cash dividends to net income (ytd only)* | 39.3148% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3583% | 2,129 |
| Loan loss allowance to noncurrent loans | 48.3021% | 4,627 |
| Noncurrent assets plus other real estate owned to assets | 2.2336% | 528 |
| Noncurrent loans to loans | 2.8120% | 492 |
| Net loans and leases to total assets | 69.1828% | 2,638 |
| Net loans and leases to deposits | 79.7342% | 2,943 |
| Net loans and leases to core deposits | 84.5101% | 3,013 |
| Total domestic deposits to total assets | 86.7667% | 2,057 |
| Equity capital to assets | 11.7815% | 2,089 |
| Core capital (leverage) ratio | 11.9250% | 1,676 |
| Tier 1 risk-based capital ratio | 18.0955% | 1,828 |
| Total risk-based capital ratio | 19.3481% | 1,784 |
| Memoranda: | ||
| Average total assets | $310,241,670 | 2,131 |
| Average earning assets | $289,158,330 | 2,116 |
| Average equity | $37,118,330 | 1,975 |
| Average total loans | $220,866,330 | 2,002 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1745% | 2,364 |
| Cost of funding earning assets | 0.2966% | 4,079 |
| Net interest margin | 3.8779% | 1,860 |
| Noninterest income to average assets | 0.4647% | 3,224 |
| Noninterest expense to average assets | 2.2435% | 4,547 |
| Loan and lease loss provision to assets | 0.3298% | 372 |
| Net operating income to assets | 1.1034% | 1,855 |
| Return on assets (ROA) | 1.1034% | 1,897 |
| Pretax return on assets | 1.5026% | 1,524 |
| Return on Equity (ROE) | 9.1495% | 2,340 |
| Retained earnings to average equity (ytd only) | 5.5027% | 2,595 |
| Net charge-offs to loans | 0.1715% | 960 |
| Credit loss provision to net charge-offs | 268.0851% | 843 |
| Earnings coverage of net charge-offs (x) | 14.8936% | 1,704 |
| Efficiency ratio | 55.0417% | 5,039 |
| Assets per employee ($millions) | 5.3307% | 2,043 |
| Cash dividends to net income (ytd only)* | 39.8577% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 2,818 |
| Loan loss allowance to noncurrent loans | 45.8694% | 4,737 |
| Noncurrent assets plus other real estate owned to assets | 2.2605% | 544 |
| Noncurrent loans to loans | 2.7252% | 547 |
| Net loans and leases to total assets | 70.3667% | 2,311 |
| Net loans and leases to deposits | 81.3626% | 2,587 |
| Net loans and leases to core deposits | 86.3232% | 2,686 |
| Total domestic deposits to total assets | 86.4854% | 2,449 |
| Equity capital to assets | 12.0020% | 1,842 |
| Core capital (leverage) ratio | 12.1343% | 1,545 |
| Tier 1 risk-based capital ratio | 17.8232% | 1,934 |
| Total risk-based capital ratio | 19.0740% | 1,881 |
| Memoranda: | ||
| Average total assets | $305,594,500 | 2,173 |
| Average earning assets | $284,586,500 | 2,166 |
| Average equity | $36,854,500 | 1,989 |
| Average total loans | $219,245,500 | 2,033 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1967% | 2,497 |
| Cost of funding earning assets | 0.2680% | 4,389 |
| Net interest margin | 3.9287% | 1,861 |
| Noninterest income to average assets | 0.5472% | 2,930 |
| Noninterest expense to average assets | 2.3635% | 4,388 |
| Loan and lease loss provision to assets | 0.3038% | 620 |
| Net operating income to assets | 1.0478% | 2,148 |
| Return on assets (ROA) | 1.0478% | 2,251 |
| Pretax return on assets | 1.5339% | 1,478 |
| Return on Equity (ROE) | 8.4942% | 2,677 |
| Retained earnings to average equity (ytd only) | 4.7914% | 2,481 |
| Net charge-offs to loans | 0.3834% | 700 |
| Credit loss provision to net charge-offs | 107.9755% | 2,428 |
| Earnings coverage of net charge-offs (x) | 6.5313% | 3,160 |
| Efficiency ratio | 56.2577% | 5,041 |
| Assets per employee ($millions) | 5.1187% | 2,270 |
| Cash dividends to net income (ytd only)* | 43.5914% | 2,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1899% | 3,180 |
| Loan loss allowance to noncurrent loans | 38.0534% | 4,940 |
| Noncurrent assets plus other real estate owned to assets | 2.6612% | 430 |
| Noncurrent loans to loans | 3.1268% | 421 |
| Net loans and leases to total assets | 71.3824% | 2,259 |
| Net loans and leases to deposits | 82.6654% | 2,591 |
| Net loans and leases to core deposits | 87.9627% | 2,679 |
| Total domestic deposits to total assets | 86.3509% | 2,430 |
| Equity capital to assets | 12.1193% | 1,732 |
| Core capital (leverage) ratio | 12.1160% | 1,522 |
| Tier 1 risk-based capital ratio | 17.7437% | 1,926 |
| Total risk-based capital ratio | 18.9940% | 1,887 |
| Memoranda: | ||
| Average total assets | $289,652,600 | 2,226 |
| Average earning assets | $269,402,800 | 2,215 |
| Average equity | $35,730,400 | 2,041 |
| Average total loans | $212,586,000 | 2,027 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2016% | 2,506 |
| Cost of funding earning assets | 0.2677% | 4,416 |
| Net interest margin | 3.9339% | 1,866 |
| Noninterest income to average assets | 0.5248% | 3,079 |
| Noninterest expense to average assets | 2.2915% | 4,554 |
| Loan and lease loss provision to assets | 0.2917% | 588 |
| Net operating income to assets | 1.0617% | 2,156 |
| Return on assets (ROA) | 1.0617% | 2,266 |
| Pretax return on assets | 1.5991% | 1,380 |
| Return on Equity (ROE) | 8.5676% | 2,724 |
| Retained earnings to average equity (ytd only) | 4.8620% | 2,918 |
| Net charge-offs to loans | 0.3952% | 553 |
| Credit loss provision to net charge-offs | 100.1597% | 2,350 |
| Earnings coverage of net charge-offs (x) | 6.4920% | 2,996 |
| Efficiency ratio | 54.7892% | 5,175 |
| Assets per employee ($millions) | 5.2628% | 2,082 |
| Cash dividends to net income (ytd only)* | 43.2516% | 2,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1831% | 3,351 |
| Loan loss allowance to noncurrent loans | 36.6546% | 5,041 |
| Noncurrent assets plus other real estate owned to assets | 2.7586% | 462 |
| Noncurrent loans to loans | 3.2276% | 439 |
| Net loans and leases to total assets | 71.7319% | 2,227 |
| Net loans and leases to deposits | 83.2337% | 2,578 |
| Net loans and leases to core deposits | 87.9298% | 2,770 |
| Total domestic deposits to total assets | 86.1813% | 2,268 |
| Equity capital to assets | 12.2775% | 1,915 |
| Core capital (leverage) ratio | 12.4010% | 1,440 |
| Tier 1 risk-based capital ratio | 18.0090% | 1,913 |
| Total risk-based capital ratio | 19.2592% | 1,884 |
| Memoranda: | ||
| Average total assets | $286,564,250 | 2,245 |
| Average earning assets | $266,430,750 | 2,244 |
| Average equity | $35,512,750 | 2,063 |
| Average total loans | $211,188,750 | 2,042 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2261% | 2,425 |
| Cost of funding earning assets | 0.2687% | 4,456 |
| Net interest margin | 3.9574% | 1,781 |
| Noninterest income to average assets | 0.5158% | 3,090 |
| Noninterest expense to average assets | 2.3435% | 4,487 |
| Loan and lease loss provision to assets | 0.3128% | 558 |
| Net operating income to assets | 1.0506% | 2,169 |
| Return on assets (ROA) | 1.0506% | 2,295 |
| Pretax return on assets | 1.5438% | 1,544 |
| Return on Equity (ROE) | 8.4502% | 2,771 |
| Retained earnings to average equity (ytd only) | 4.7324% | 2,908 |
| Net charge-offs to loans | 0.5212% | 408 |
| Credit loss provision to net charge-offs | 81.0219% | 2,352 |
| Earnings coverage of net charge-offs (x) | 4.8084% | 2,940 |
| Efficiency ratio | 55.7960% | 5,163 |
| Assets per employee ($millions) | 5.0474% | 2,253 |
| Cash dividends to net income (ytd only)* | 43.9973% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1546% | 3,613 |
| Loan loss allowance to noncurrent loans | 36.0636% | 5,152 |
| Noncurrent assets plus other real estate owned to assets | 2.7056% | 480 |
| Noncurrent loans to loans | 3.2014% | 442 |
| Net loans and leases to total assets | 72.1924% | 2,133 |
| Net loans and leases to deposits | 83.9334% | 2,477 |
| Net loans and leases to core deposits | 88.6602% | 2,669 |
| Total domestic deposits to total assets | 86.0116% | 2,416 |
| Equity capital to assets | 12.4170% | 1,830 |
| Core capital (leverage) ratio | 12.5637% | 1,321 |
| Tier 1 risk-based capital ratio | 17.1733% | 2,162 |
| Total risk-based capital ratio | 18.3569% | 2,138 |
| Memoranda: | ||
| Average total assets | $283,846,670 | 2,274 |
| Average earning assets | $264,265,000 | 2,266 |
| Average equity | $35,289,000 | 2,078 |
| Average total loans | $210,272,670 | 2,050 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2597% | 2,273 |
| Cost of funding earning assets | 0.2787% | 4,406 |
| Net interest margin | 3.9810% | 1,666 |
| Noninterest income to average assets | 0.5108% | 3,044 |
| Noninterest expense to average assets | 2.4305% | 4,291 |
| Loan and lease loss provision to assets | 0.3136% | 492 |
| Net operating income to assets | 1.0429% | 2,108 |
| Return on assets (ROA) | 1.0429% | 2,228 |
| Pretax return on assets | 1.4756% | 1,672 |
| Return on Equity (ROE) | 8.3829% | 2,712 |
| Retained earnings to average equity (ytd only) | 4.6648% | 3,141 |
| Net charge-offs to loans | 0.0532% | 1,994 |
| Credit loss provision to net charge-offs | 789.2857% | 439 |
| Earnings coverage of net charge-offs (x) | 45.0357% | 943 |
| Efficiency ratio | 57.5992% | 5,044 |
| Assets per employee ($millions) | 4.9703% | 2,374 |
| Cash dividends to net income (ytd only)* | 44.3537% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2943% | 2,934 |
| Loan loss allowance to noncurrent loans | 39.5325% | 5,093 |
| Noncurrent assets plus other real estate owned to assets | 2.5224% | 585 |
| Noncurrent loans to loans | 3.2741% | 448 |
| Net loans and leases to total assets | 73.2968% | 1,833 |
| Net loans and leases to deposits | 85.2940% | 2,152 |
| Net loans and leases to core deposits | 90.2962% | 2,342 |
| Total domestic deposits to total assets | 85.9343% | 2,697 |
| Equity capital to assets | 12.4593% | 1,709 |
| Core capital (leverage) ratio | 12.5482% | 1,320 |
| Tier 1 risk-based capital ratio | 18.1230% | 1,953 |
| Total risk-based capital ratio | 19.3747% | 1,917 |
| Memoranda: | ||
| Average total assets | $281,919,000 | 2,297 |
| Average earning assets | $262,648,000 | 2,282 |
| Average equity | $35,071,500 | 2,080 |
| Average total loans | $210,346,500 | 2,050 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1309% | 2,806 |
| Cost of funding earning assets | 0.2400% | 4,892 |
| Net interest margin | 3.8908% | 2,063 |
| Noninterest income to average assets | 0.5480% | 3,021 |
| Noninterest expense to average assets | 2.3473% | 4,657 |
| Loan and lease loss provision to assets | 0.2533% | 747 |
| Net operating income to assets | 1.0064% | 2,329 |
| Return on assets (ROA) | 1.0064% | 2,416 |
| Pretax return on assets | 1.5718% | 1,337 |
| Return on Equity (ROE) | 8.1597% | 2,866 |
| Retained earnings to average equity (ytd only) | 4.3957% | 2,846 |
| Net charge-offs to loans | 0.1338% | 2,024 |
| Credit loss provision to net charge-offs | 261.7978% | 1,103 |
| Earnings coverage of net charge-offs (x) | 18.8614% | 1,985 |
| Efficiency ratio | 56.2581% | 5,323 |
| Assets per employee ($millions) | 4.9216% | 2,447 |
| Cash dividends to net income (ytd only)* | 46.1289% | 2,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2030% | 3,464 |
| Loan loss allowance to noncurrent loans | 35.9528% | 5,209 |
| Noncurrent assets plus other real estate owned to assets | 2.5630% | 596 |
| Noncurrent loans to loans | 3.3459% | 437 |
| Net loans and leases to total assets | 74.0685% | 1,715 |
| Net loans and leases to deposits | 86.1653% | 2,116 |
| Net loans and leases to core deposits | 91.3682% | 2,289 |
| Total domestic deposits to total assets | 85.9609% | 2,658 |
| Equity capital to assets | 12.4211% | 1,661 |
| Core capital (leverage) ratio | 12.4739% | 1,361 |
| Tier 1 risk-based capital ratio | 18.4166% | 1,852 |
| Total risk-based capital ratio | 19.6677% | 1,800 |
| Memoranda: | ||
| Average total assets | $275,931,600 | 2,300 |
| Average earning assets | $257,039,400 | 2,287 |
| Average equity | $34,033,000 | 2,094 |
| Average total loans | $199,514,600 | 2,075 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0166% | 3,276 |
| Cost of funding earning assets | 0.2426% | 4,965 |
| Net interest margin | 3.7739% | 2,482 |
| Noninterest income to average assets | 0.5153% | 3,260 |
| Noninterest expense to average assets | 2.3208% | 4,731 |
| Loan and lease loss provision to assets | 0.2344% | 772 |
| Net operating income to assets | 0.9821% | 2,563 |
| Return on assets (ROA) | 0.9821% | 2,645 |
| Pretax return on assets | 1.4770% | 1,746 |
| Return on Equity (ROE) | 7.9769% | 3,082 |
| Retained earnings to average equity (ytd only) | 4.2131% | 3,471 |
| Net charge-offs to loans | 0.1213% | 1,912 |
| Credit loss provision to net charge-offs | 269.8324% | 1,070 |
| Earnings coverage of net charge-offs (x) | 19.7040% | 1,922 |
| Efficiency ratio | 57.5572% | 5,175 |
| Assets per employee ($millions) | 4.6639% | 2,748 |
| Cash dividends to net income (ytd only)* | 47.1837% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1686% | 3,823 |
| Loan loss allowance to noncurrent loans | 33.9313% | 5,356 |
| Noncurrent assets plus other real estate owned to assets | 2.6627% | 618 |
| Noncurrent loans to loans | 3.4441% | 461 |
| Net loans and leases to total assets | 73.8212% | 1,765 |
| Net loans and leases to deposits | 85.6056% | 2,193 |
| Net loans and leases to core deposits | 90.0418% | 2,464 |
| Total domestic deposits to total assets | 86.2341% | 2,423 |
| Equity capital to assets | 12.5078% | 1,741 |
| Core capital (leverage) ratio | 12.5414% | 1,387 |
| Tier 1 risk-based capital ratio | 18.6167% | 1,873 |
| Total risk-based capital ratio | 19.8673% | 1,836 |
| Memoranda: | ||
| Average total assets | $274,781,750 | 2,324 |
| Average earning assets | $256,066,250 | 2,307 |
| Average equity | $33,830,000 | 2,113 |
| Average total loans | $196,814,500 | 2,109 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9682% | 3,409 |
| Cost of funding earning assets | 0.2475% | 4,968 |
| Net interest margin | 3.7207% | 2,623 |
| Noninterest income to average assets | 0.5294% | 3,176 |
| Noninterest expense to average assets | 2.3929% | 4,570 |
| Loan and lease loss provision to assets | 0.2396% | 759 |
| Net operating income to assets | 0.8942% | 2,910 |
| Return on assets (ROA) | 0.8942% | 3,039 |
| Pretax return on assets | 1.3566% | 2,158 |
| Return on Equity (ROE) | 7.3021% | 3,437 |
| Retained earnings to average equity (ytd only) | 3.5262% | 3,783 |
| Net charge-offs to loans | 0.1434% | 1,637 |
| Credit loss provision to net charge-offs | 236.6906% | 1,087 |
| Earnings coverage of net charge-offs (x) | 15.7698% | 1,953 |
| Efficiency ratio | 59.9854% | 4,985 |
| Assets per employee ($millions) | 4.7606% | 2,598 |
| Cash dividends to net income (ytd only)* | 51.7101% | 1,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1556% | 4,053 |
| Loan loss allowance to noncurrent loans | 32.2617% | 5,455 |
| Noncurrent assets plus other real estate owned to assets | 2.8083% | 623 |
| Noncurrent loans to loans | 3.5820% | 482 |
| Net loans and leases to total assets | 70.8766% | 2,182 |
| Net loans and leases to deposits | 80.9930% | 2,667 |
| Net loans and leases to core deposits | 85.1933% | 2,859 |
| Total domestic deposits to total assets | 87.5096% | 1,898 |
| Equity capital to assets | 12.2927% | 1,808 |
| Core capital (leverage) ratio | 12.2793% | 1,495 |
| Tier 1 risk-based capital ratio | 19.2638% | 1,727 |
| Total risk-based capital ratio | 20.5147% | 1,695 |
| Memoranda: | ||
| Average total assets | $274,651,330 | 2,340 |
| Average earning assets | $255,379,670 | 2,331 |
| Average equity | $33,634,000 | 2,128 |
| Average total loans | $193,906,670 | 2,139 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9166% | 3,531 |
| Cost of funding earning assets | 0.2560% | 4,955 |
| Net interest margin | 3.6606% | 2,773 |
| Noninterest income to average assets | 0.4994% | 3,291 |
| Noninterest expense to average assets | 2.3846% | 4,637 |
| Loan and lease loss provision to assets | 0.2453% | 680 |
| Net operating income to assets | 0.8426% | 3,048 |
| Return on assets (ROA) | 0.8426% | 3,178 |
| Pretax return on assets | 1.2734% | 2,377 |
| Return on Equity (ROE) | 6.8937% | 3,563 |
| Retained earnings to average equity (ytd only) | 3.1302% | 4,104 |
| Net charge-offs to loans | 0.2960% | 803 |
| Credit loss provision to net charge-offs | 118.3099% | 1,459 |
| Earnings coverage of net charge-offs (x) | 7.3239% | 2,179 |
| Efficiency ratio | 61.0924% | 4,950 |
| Assets per employee ($millions) | 4.9506% | 2,420 |
| Cash dividends to net income (ytd only)* | 54.5927% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0921% | 4,556 |
| Loan loss allowance to noncurrent loans | 30.3125% | 5,540 |
| Noncurrent assets plus other real estate owned to assets | 2.7879% | 711 |
| Noncurrent loans to loans | 3.6028% | 517 |
| Net loans and leases to total assets | 69.3873% | 2,221 |
| Net loans and leases to deposits | 79.1396% | 2,666 |
| Net loans and leases to core deposits | 83.2257% | 2,841 |
| Total domestic deposits to total assets | 87.6771% | 1,998 |
| Equity capital to assets | 12.1238% | 1,941 |
| Core capital (leverage) ratio | 12.3254% | 1,445 |
| Tier 1 risk-based capital ratio | 19.2101% | 1,812 |
| Total risk-based capital ratio | 20.4407% | 1,778 |
| Memoranda: | ||
| Average total assets | $273,919,500 | 2,358 |
| Average earning assets | $254,713,500 | 2,347 |
| Average equity | $33,480,000 | 2,149 |
| Average total loans | $191,865,500 | 2,164 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1252% | 3,223 |
| Cost of funding earning assets | 0.2600% | 5,223 |
| Net interest margin | 3.8652% | 2,379 |
| Noninterest income to average assets | 0.4946% | 3,554 |
| Noninterest expense to average assets | 2.3761% | 4,902 |
| Loan and lease loss provision to assets | 0.2536% | 888 |
| Net operating income to assets | 0.9053% | 2,845 |
| Return on assets (ROA) | 0.9053% | 2,932 |
| Pretax return on assets | 1.4708% | 1,655 |
| Return on Equity (ROE) | 7.2049% | 3,512 |
| Retained earnings to average equity (ytd only) | 3.3631% | 3,819 |
| Net charge-offs to loans | 0.1413% | 2,615 |
| Credit loss provision to net charge-offs | 259.6078% | 989 |
| Earnings coverage of net charge-offs (x) | 17.6510% | 1,910 |
| Efficiency ratio | 57.9464% | 5,462 |
| Assets per employee ($millions) | 4.9201% | 2,424 |
| Cash dividends to net income (ytd only)* | 53.3220% | 2,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1086% | 4,497 |
| Loan loss allowance to noncurrent loans | 31.4779% | 5,613 |
| Noncurrent assets plus other real estate owned to assets | 2.8129% | 757 |
| Noncurrent loans to loans | 3.5219% | 578 |
| Net loans and leases to total assets | 69.1576% | 2,372 |
| Net loans and leases to deposits | 79.0076% | 2,830 |
| Net loans and leases to core deposits | 83.4192% | 2,962 |
| Total domestic deposits to total assets | 87.5329% | 2,015 |
| Equity capital to assets | 12.3237% | 1,755 |
| Core capital (leverage) ratio | 12.2977% | 1,452 |
| Tier 1 risk-based capital ratio | 19.8024% | 1,638 |
| Total risk-based capital ratio | 21.0523% | 1,612 |
| Memoranda: | ||
| Average total assets | $261,012,000 | 2,419 |
| Average earning assets | $243,506,200 | 2,400 |
| Average equity | $32,797,000 | 2,123 |
| Average total loans | $180,517,800 | 2,219 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1146% | 3,323 |
| Cost of funding earning assets | 0.2644% | 5,261 |
| Net interest margin | 3.8502% | 2,433 |
| Noninterest income to average assets | 0.4815% | 3,676 |
| Noninterest expense to average assets | 2.4345% | 4,719 |
| Loan and lease loss provision to assets | 0.2325% | 946 |
| Net operating income to assets | 0.9285% | 2,786 |
| Return on assets (ROA) | 0.9285% | 2,878 |
| Pretax return on assets | 1.4106% | 1,964 |
| Return on Equity (ROE) | 7.3526% | 3,524 |
| Retained earnings to average equity (ytd only) | 3.4946% | 4,148 |
| Net charge-offs to loans | 0.1009% | 2,793 |
| Credit loss provision to net charge-offs | 334.0741% | 835 |
| Earnings coverage of net charge-offs (x) | 23.6068% | 1,581 |
| Efficiency ratio | 59.7041% | 5,225 |
| Assets per employee ($millions) | 4.5633% | 2,862 |
| Cash dividends to net income (ytd only)* | 52.4710% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0859% | 4,814 |
| Loan loss allowance to noncurrent loans | 34.5023% | 5,603 |
| Noncurrent assets plus other real estate owned to assets | 2.4544% | 1,088 |
| Noncurrent loans to loans | 3.1472% | 813 |
| Net loans and leases to total assets | 69.0752% | 2,351 |
| Net loans and leases to deposits | 79.0773% | 2,827 |
| Net loans and leases to core deposits | 83.1550% | 2,976 |
| Total domestic deposits to total assets | 87.3515% | 2,121 |
| Equity capital to assets | 12.5068% | 1,699 |
| Core capital (leverage) ratio | 12.6833% | 1,313 |
| Tier 1 risk-based capital ratio | 20.0999% | 1,647 |
| Total risk-based capital ratio | 21.3368% | 1,620 |
| Memoranda: | ||
| Average total assets | $258,613,000 | 2,464 |
| Average earning assets | $241,542,250 | 2,428 |
| Average equity | $32,659,000 | 2,135 |
| Average total loans | $178,336,250 | 2,254 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0994% | 3,345 |
| Cost of funding earning assets | 0.2740% | 5,246 |
| Net interest margin | 3.8255% | 2,463 |
| Noninterest income to average assets | 0.4536% | 3,843 |
| Noninterest expense to average assets | 2.4100% | 4,851 |
| Loan and lease loss provision to assets | 0.2385% | 947 |
| Net operating income to assets | 0.9338% | 2,629 |
| Return on assets (ROA) | 0.9338% | 2,737 |
| Pretax return on assets | 1.3858% | 1,947 |
| Return on Equity (ROE) | 7.3697% | 3,433 |
| Retained earnings to average equity (ytd only) | 3.4942% | 3,981 |
| Net charge-offs to loans | 0.0352% | 3,508 |
| Credit loss provision to net charge-offs | 987.0968% | 339 |
| Earnings coverage of net charge-offs (x) | 67.2258% | 749 |
| Efficiency ratio | 59.7372% | 5,330 |
| Assets per employee ($millions) | 4.6185% | 2,745 |
| Cash dividends to net income (ytd only)* | 52.5876% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0778% | 4,994 |
| Loan loss allowance to noncurrent loans | 31.9415% | 5,731 |
| Noncurrent assets plus other real estate owned to assets | 2.5167% | 1,126 |
| Noncurrent loans to loans | 3.3742% | 813 |
| Net loans and leases to total assets | 69.7692% | 2,125 |
| Net loans and leases to deposits | 80.5094% | 2,451 |
| Net loans and leases to core deposits | 84.6546% | 2,668 |
| Total domestic deposits to total assets | 86.6597% | 2,666 |
| Equity capital to assets | 12.6873% | 1,546 |
| Core capital (leverage) ratio | 12.6109% | 1,341 |
| Tier 1 risk-based capital ratio | 20.2995% | 1,613 |
| Total risk-based capital ratio | 21.5300% | 1,588 |
| Memoranda: | ||
| Average total assets | $256,593,670 | 2,490 |
| Average earning assets | $240,179,330 | 2,441 |
| Average equity | $32,511,330 | 2,132 |
| Average total loans | $176,172,000 | 2,280 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1226% | 3,191 |
| Cost of funding earning assets | 0.2836% | 5,234 |
| Net interest margin | 3.8391% | 2,306 |
| Noninterest income to average assets | 0.5321% | 3,178 |
| Noninterest expense to average assets | 2.5339% | 4,504 |
| Loan and lease loss provision to assets | 0.3224% | 571 |
| Net operating income to assets | 0.8499% | 2,898 |
| Return on assets (ROA) | 0.8499% | 2,970 |
| Pretax return on assets | 1.2568% | 2,258 |
| Return on Equity (ROE) | 6.7120% | 3,626 |
| Retained earnings to average equity (ytd only) | 2.8183% | 4,402 |
| Net charge-offs to loans | 0.0069% | 3,511 |
| Credit loss provision to net charge-offs | 6,866.6667% | 40 |
| Earnings coverage of net charge-offs (x) | 336.3333% | 142 |
| Efficiency ratio | 61.6058% | 5,188 |
| Assets per employee ($millions) | 4.5671% | 2,860 |
| Cash dividends to net income (ytd only)* | 58.0110% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0762% | 5,224 |
| Loan loss allowance to noncurrent loans | 29.3007% | 5,870 |
| Noncurrent assets plus other real estate owned to assets | 2.7066% | 1,128 |
| Noncurrent loans to loans | 3.6730% | 771 |
| Net loans and leases to total assets | 66.8754% | 2,416 |
| Net loans and leases to deposits | 76.5885% | 2,745 |
| Net loans and leases to core deposits | 81.2464% | 2,820 |
| Total domestic deposits to total assets | 87.3178% | 2,622 |
| Equity capital to assets | 12.4744% | 1,590 |
| Core capital (leverage) ratio | 12.7305% | 1,283 |
| Tier 1 risk-based capital ratio | 20.4263% | 1,609 |
| Total risk-based capital ratio | 21.6359% | 1,591 |
| Memoranda: | ||
| Average total assets | $255,572,000 | 2,498 |
| Average earning assets | $238,391,500 | 2,464 |
| Average equity | $32,360,000 | 2,129 |
| Average total loans | $173,050,500 | 2,310 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0399% | 3,953 |
| Cost of funding earning assets | 0.3075% | 5,538 |
| Net interest margin | 3.7325% | 2,931 |
| Noninterest income to average assets | 0.5333% | 3,534 |
| Noninterest expense to average assets | 2.4888% | 4,801 |
| Loan and lease loss provision to assets | 0.2324% | 1,550 |
| Net operating income to assets | 0.8717% | 2,918 |
| Return on assets (ROA) | 0.8717% | 3,005 |
| Pretax return on assets | 1.2798% | 2,235 |
| Return on Equity (ROE) | 6.8563% | 3,646 |
| Retained earnings to average equity (ytd only) | 2.8917% | 4,188 |
| Net charge-offs to loans | 0.3383% | 1,984 |
| Credit loss provision to net charge-offs | 106.8015% | 2,256 |
| Earnings coverage of net charge-offs (x) | 6.9485% | 2,946 |
| Efficiency ratio | 62.2038% | 5,179 |
| Assets per employee ($millions) | 4.4789% | 2,942 |
| Cash dividends to net income (ytd only)* | 57.8247% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9940% | 5,603 |
| Loan loss allowance to noncurrent loans | 28.5401% | 5,983 |
| Noncurrent assets plus other real estate owned to assets | 2.5943% | 1,312 |
| Noncurrent loans to loans | 3.4830% | 906 |
| Net loans and leases to total assets | 67.1491% | 2,491 |
| Net loans and leases to deposits | 77.1870% | 2,831 |
| Net loans and leases to core deposits | 82.0830% | 2,887 |
| Total domestic deposits to total assets | 86.9954% | 2,728 |
| Equity capital to assets | 12.8563% | 1,342 |
| Core capital (leverage) ratio | 12.6732% | 1,271 |
| Tier 1 risk-based capital ratio | 21.1441% | 1,397 |
| Total risk-based capital ratio | 22.2667% | 1,397 |
| Memoranda: | ||
| Average total assets | $249,957,800 | 2,530 |
| Average earning assets | $232,230,800 | 2,495 |
| Average equity | $31,781,000 | 2,142 |
| Average total loans | $160,781,000 | 2,415 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0082% | 4,098 |
| Cost of funding earning assets | 0.3164% | 5,587 |
| Net interest margin | 3.6918% | 3,061 |
| Noninterest income to average assets | 0.5296% | 3,593 |
| Noninterest expense to average assets | 2.5017% | 4,713 |
| Loan and lease loss provision to assets | 0.2210% | 1,645 |
| Net operating income to assets | 0.8387% | 3,149 |
| Return on assets (ROA) | 0.8387% | 3,281 |
| Pretax return on assets | 1.2268% | 2,594 |
| Return on Equity (ROE) | 6.6150% | 3,864 |
| Retained earnings to average equity (ytd only) | 2.6359% | 4,752 |
| Net charge-offs to loans | 0.3501% | 1,800 |
| Credit loss provision to net charge-offs | 99.5192% | 2,399 |
| Earnings coverage of net charge-offs (x) | 6.5193% | 2,959 |
| Efficiency ratio | 63.3414% | 4,915 |
| Assets per employee ($millions) | 4.2446% | 3,343 |
| Cash dividends to net income (ytd only)* | 60.1530% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0231% | 5,624 |
| Loan loss allowance to noncurrent loans | 33.0136% | 5,872 |
| Noncurrent assets plus other real estate owned to assets | 2.0960% | 1,907 |
| Noncurrent loans to loans | 3.0990% | 1,282 |
| Net loans and leases to total assets | 63.8163% | 3,025 |
| Net loans and leases to deposits | 73.2564% | 3,353 |
| Net loans and leases to core deposits | 77.3857% | 3,442 |
| Total domestic deposits to total assets | 87.1135% | 2,628 |
| Equity capital to assets | 12.7591% | 1,445 |
| Core capital (leverage) ratio | 12.8173% | 1,271 |
| Tier 1 risk-based capital ratio | 21.7864% | 1,355 |
| Total risk-based capital ratio | 22.9305% | 1,346 |
| Memoranda: | ||
| Average total assets | $249,742,750 | 2,546 |
| Average earning assets | $231,351,750 | 2,519 |
| Average equity | $31,664,750 | 2,169 |
| Average total loans | $158,448,000 | 2,457 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0464% | 3,934 |
| Cost of funding earning assets | 0.3278% | 5,586 |
| Net interest margin | 3.7186% | 2,888 |
| Noninterest income to average assets | 0.5675% | 3,397 |
| Noninterest expense to average assets | 2.4512% | 4,892 |
| Loan and lease loss provision to assets | 0.2156% | 1,757 |
| Net operating income to assets | 0.9170% | 2,711 |
| Return on assets (ROA) | 0.9170% | 2,849 |
| Pretax return on assets | 1.3474% | 2,134 |
| Return on Equity (ROE) | 7.2477% | 3,469 |
| Retained earnings to average equity (ytd only) | 3.2564% | 4,232 |
| Net charge-offs to loans | 0.4154% | 1,560 |
| Credit loss provision to net charge-offs | 82.2630% | 2,584 |
| Earnings coverage of net charge-offs (x) | 5.9633% | 2,796 |
| Efficiency ratio | 61.0623% | 5,316 |
| Assets per employee ($millions) | 4.3269% | 3,129 |
| Cash dividends to net income (ytd only)* | 55.0699% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0018% | 5,816 |
| Loan loss allowance to noncurrent loans | 29.8597% | 6,029 |
| Noncurrent assets plus other real estate owned to assets | 2.3593% | 1,819 |
| Noncurrent loans to loans | 3.3550% | 1,293 |
| Net loans and leases to total assets | 62.8447% | 3,129 |
| Net loans and leases to deposits | 72.0890% | 3,438 |
| Net loans and leases to core deposits | 76.1359% | 3,528 |
| Total domestic deposits to total assets | 87.1766% | 2,721 |
| Equity capital to assets | 12.6875% | 1,475 |
| Core capital (leverage) ratio | 12.5997% | 1,319 |
| Tier 1 risk-based capital ratio | 21.8385% | 1,314 |
| Total risk-based capital ratio | 22.9496% | 1,322 |
| Memoranda: | ||
| Average total assets | $249,512,670 | 2,555 |
| Average earning assets | $231,270,000 | 2,526 |
| Average equity | $31,568,670 | 2,183 |
| Average total loans | $157,441,000 | 2,472 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1157% | 3,660 |
| Cost of funding earning assets | 0.3464% | 5,572 |
| Net interest margin | 3.7693% | 2,572 |
| Noninterest income to average assets | 0.5483% | 3,453 |
| Noninterest expense to average assets | 2.5371% | 4,619 |
| Loan and lease loss provision to assets | 0.2380% | 1,528 |
| Net operating income to assets | 0.8457% | 2,921 |
| Return on assets (ROA) | 0.8457% | 3,061 |
| Pretax return on assets | 1.2718% | 2,330 |
| Return on Equity (ROE) | 6.6937% | 3,664 |
| Retained earnings to average equity (ytd only) | 2.6851% | 4,677 |
| Net charge-offs to loans | 0.1278% | 2,650 |
| Credit loss provision to net charge-offs | 296.0000% | 815 |
| Earnings coverage of net charge-offs (x) | 18.7800% | 1,248 |
| Efficiency ratio | 62.6937% | 5,200 |
| Assets per employee ($millions) | 4.4385% | 3,077 |
| Cash dividends to net income (ytd only)* | 59.8859% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1143% | 5,545 |
| Loan loss allowance to noncurrent loans | 48.2512% | 5,234 |
| Noncurrent assets plus other real estate owned to assets | 1.6941% | 2,748 |
| Noncurrent loans to loans | 2.3094% | 2,265 |
| Net loans and leases to total assets | 61.4544% | 3,179 |
| Net loans and leases to deposits | 70.3686% | 3,417 |
| Net loans and leases to core deposits | 74.0697% | 3,566 |
| Total domestic deposits to total assets | 87.3321% | 2,732 |
| Equity capital to assets | 12.4659% | 1,733 |
| Core capital (leverage) ratio | 12.7340% | 1,230 |
| Tier 1 risk-based capital ratio | 21.2688% | 1,476 |
| Total risk-based capital ratio | 22.4658% | 1,461 |
| Memoranda: | ||
| Average total assets | $248,787,500 | 2,593 |
| Average earning assets | $230,919,500 | 2,566 |
| Average equity | $31,432,500 | 2,217 |
| Average total loans | $156,505,000 | 2,505 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4711% | 3,519 |
| Cost of funding earning assets | 0.3940% | 5,959 |
| Net interest margin | 4.0771% | 2,093 |
| Noninterest income to average assets | 0.4882% | 3,975 |
| Noninterest expense to average assets | 2.5513% | 4,925 |
| Loan and lease loss provision to assets | 0.3457% | 1,940 |
| Net operating income to assets | 0.9592% | 2,505 |
| Return on assets (ROA) | 0.9609% | 2,736 |
| Pretax return on assets | 1.3831% | 2,101 |
| Return on Equity (ROE) | 7.4633% | 3,362 |
| Retained earnings to average equity (ytd only) | 3.3729% | 3,848 |
| Net charge-offs to loans | 0.4729% | 2,347 |
| Credit loss provision to net charge-offs | 114.0690% | 2,549 |
| Earnings coverage of net charge-offs (x) | 5.6966% | 2,971 |
| Efficiency ratio | 59.6443% | 5,595 |
| Assets per employee ($millions) | 4.2169% | 3,516 |
| Cash dividends to net income (ytd only)* | 54.8064% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0617% | 5,712 |
| Loan loss allowance to noncurrent loans | 49.0074% | 5,180 |
| Noncurrent assets plus other real estate owned to assets | 1.6289% | 2,956 |
| Noncurrent loans to loans | 2.1665% | 2,505 |
| Net loans and leases to total assets | 63.0172% | 3,051 |
| Net loans and leases to deposits | 72.3820% | 3,349 |
| Net loans and leases to core deposits | 76.2376% | 3,496 |
| Total domestic deposits to total assets | 87.0620% | 2,810 |
| Equity capital to assets | 12.8084% | 1,540 |
| Core capital (leverage) ratio | 12.7701% | 1,210 |
| Tier 1 risk-based capital ratio | 21.5195% | 1,357 |
| Total risk-based capital ratio | 22.6694% | 1,351 |
| Memoranda: | ||
| Average total assets | $239,247,200 | 2,643 |
| Average earning assets | $222,363,000 | 2,592 |
| Average equity | $30,804,000 | 2,207 |
| Average total loans | $153,314,400 | 2,525 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5012% | 3,635 |
| Cost of funding earning assets | 0.4025% | 6,104 |
| Net interest margin | 4.0987% | 2,094 |
| Noninterest income to average assets | 0.4539% | 4,263 |
| Noninterest expense to average assets | 2.5381% | 4,967 |
| Loan and lease loss provision to assets | 0.3598% | 1,808 |
| Net operating income to assets | 0.9660% | 2,678 |
| Return on assets (ROA) | 0.9684% | 2,883 |
| Pretax return on assets | 1.3719% | 2,335 |
| Return on Equity (ROE) | 7.5112% | 3,524 |
| Retained earnings to average equity (ytd only) | 3.4035% | 4,471 |
| Net charge-offs to loans | 0.5064% | 2,090 |
| Credit loss provision to net charge-offs | 110.6897% | 2,649 |
| Earnings coverage of net charge-offs (x) | 5.3173% | 3,052 |
| Efficiency ratio | 59.4903% | 5,582 |
| Assets per employee ($millions) | 4.0913% | 3,696 |
| Cash dividends to net income (ytd only)* | 54.6876% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0481% | 5,900 |
| Loan loss allowance to noncurrent loans | 41.7918% | 5,553 |
| Noncurrent assets plus other real estate owned to assets | 1.8456% | 2,869 |
| Noncurrent loans to loans | 2.5080% | 2,285 |
| Net loans and leases to total assets | 63.1252% | 3,188 |
| Net loans and leases to deposits | 72.5389% | 3,524 |
| Net loans and leases to core deposits | 76.0094% | 3,728 |
| Total domestic deposits to total assets | 87.0225% | 2,655 |
| Equity capital to assets | 12.8719% | 1,662 |
| Core capital (leverage) ratio | 12.9006% | 1,227 |
| Tier 1 risk-based capital ratio | 21.5963% | 1,401 |
| Total risk-based capital ratio | 22.7320% | 1,400 |
| Memoranda: | ||
| Average total assets | $237,913,750 | 2,679 |
| Average earning assets | $221,299,000 | 2,622 |
| Average equity | $30,673,250 | 2,235 |
| Average total loans | $152,697,500 | 2,563 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5423% | 3,595 |
| Cost of funding earning assets | 0.4106% | 6,215 |
| Net interest margin | 4.1316% | 1,962 |
| Noninterest income to average assets | 0.4587% | 4,221 |
| Noninterest expense to average assets | 2.5672% | 4,894 |
| Loan and lease loss provision to assets | 0.3244% | 2,031 |
| Net operating income to assets | 0.9782% | 2,552 |
| Return on assets (ROA) | 0.9782% | 2,790 |
| Pretax return on assets | 1.4175% | 2,142 |
| Return on Equity (ROE) | 7.5833% | 3,459 |
| Retained earnings to average equity (ytd only) | 3.4577% | 4,299 |
| Net charge-offs to loans | 0.4492% | 2,257 |
| Credit loss provision to net charge-offs | 112.2807% | 2,430 |
| Earnings coverage of net charge-offs (x) | 6.0292% | 2,713 |
| Efficiency ratio | 59.5766% | 5,640 |
| Assets per employee ($millions) | 4.2385% | 3,382 |
| Cash dividends to net income (ytd only)* | 54.4041% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0415% | 5,999 |
| Loan loss allowance to noncurrent loans | 35.4144% | 5,901 |
| Noncurrent assets plus other real estate owned to assets | 2.2029% | 2,540 |
| Noncurrent loans to loans | 2.9409% | 2,033 |
| Net loans and leases to total assets | 62.6906% | 3,289 |
| Net loans and leases to deposits | 71.9485% | 3,619 |
| Net loans and leases to core deposits | 75.3441% | 3,833 |
| Total domestic deposits to total assets | 87.1325% | 2,696 |
| Equity capital to assets | 12.7553% | 1,652 |
| Core capital (leverage) ratio | 12.8142% | 1,212 |
| Tier 1 risk-based capital ratio | 21.8755% | 1,322 |
| Total risk-based capital ratio | 23.0134% | 1,314 |
| Memoranda: | ||
| Average total assets | $236,756,000 | 2,693 |
| Average earning assets | $220,639,330 | 2,641 |
| Average equity | $30,540,670 | 2,226 |
| Average total loans | $152,266,670 | 2,580 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4895% | 3,964 |
| Cost of funding earning assets | 0.4214% | 6,306 |
| Net interest margin | 4.0681% | 2,218 |
| Noninterest income to average assets | 0.5752% | 3,380 |
| Noninterest expense to average assets | 2.7055% | 4,404 |
| Loan and lease loss provision to assets | 0.2595% | 2,382 |
| Net operating income to assets | 0.9303% | 2,786 |
| Return on assets (ROA) | 0.9303% | 2,990 |
| Pretax return on assets | 1.4168% | 2,133 |
| Return on Equity (ROE) | 7.1703% | 3,677 |
| Retained earnings to average equity (ytd only) | 3.0260% | 4,738 |
| Net charge-offs to loans | 0.3503% | 2,253 |
| Credit loss provision to net charge-offs | 114.2857% | 2,067 |
| Earnings coverage of net charge-offs (x) | 7.3835% | 2,085 |
| Efficiency ratio | 61.7452% | 5,318 |
| Assets per employee ($millions) | 4.1157% | 3,762 |
| Cash dividends to net income (ytd only)* | 57.7982% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0360% | 6,130 |
| Loan loss allowance to noncurrent loans | 24.2476% | 6,411 |
| Noncurrent assets plus other real estate owned to assets | 3.2977% | 1,748 |
| Noncurrent loans to loans | 4.2727% | 1,402 |
| Net loans and leases to total assets | 62.8645% | 3,079 |
| Net loans and leases to deposits | 72.2223% | 3,401 |
| Net loans and leases to core deposits | 75.4998% | 3,687 |
| Total domestic deposits to total assets | 87.0430% | 2,936 |
| Equity capital to assets | 12.7844% | 1,556 |
| Core capital (leverage) ratio | 13.0972% | 1,087 |
| Tier 1 risk-based capital ratio | 21.9831% | 1,287 |
| Total risk-based capital ratio | 23.1219% | 1,282 |
| Memoranda: | ||
| Average total assets | $234,337,500 | 2,726 |
| Average earning assets | $219,267,500 | 2,659 |
| Average equity | $30,403,000 | 2,238 |
| Average total loans | $151,875,000 | 2,603 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7770% | 3,913 |
| Cost of funding earning assets | 0.4596% | 6,704 |
| Net interest margin | 4.3174% | 1,645 |
| Noninterest income to average assets | 0.5413% | 3,577 |
| Noninterest expense to average assets | 2.6709% | 4,850 |
| Loan and lease loss provision to assets | 0.2983% | 3,280 |
| Net operating income to assets | 1.0336% | 2,069 |
| Return on assets (ROA) | 1.0336% | 2,220 |
| Pretax return on assets | 1.5696% | 1,280 |
| Return on Equity (ROE) | 7.7997% | 3,010 |
| Retained earnings to average equity (ytd only) | 3.5673% | 3,695 |
| Net charge-offs to loans | 0.6071% | 2,630 |
| Credit loss provision to net charge-offs | 73.9514% | 4,703 |
| Earnings coverage of net charge-offs (x) | 4.6313% | 3,039 |
| Efficiency ratio | 58.8466% | 5,929 |
| Assets per employee ($millions) | 3.9649% | 3,930 |
| Cash dividends to net income (ytd only)* | 54.2636% | 1,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0203% | 6,119 |
| Loan loss allowance to noncurrent loans | 24.3489% | 6,459 |
| Noncurrent assets plus other real estate owned to assets | 3.4123% | 1,739 |
| Noncurrent loans to loans | 4.1903% | 1,468 |
| Net loans and leases to total assets | 65.4723% | 2,885 |
| Net loans and leases to deposits | 76.4985% | 3,095 |
| Net loans and leases to core deposits | 80.1053% | 3,442 |
| Total domestic deposits to total assets | 85.5864% | 3,548 |
| Equity capital to assets | 13.1708% | 1,408 |
| Core capital (leverage) ratio | 13.1076% | 1,102 |
| Tier 1 risk-based capital ratio | 21.9116% | 1,248 |
| Total risk-based capital ratio | 23.0402% | 1,236 |
| Memoranda: | ||
| Average total assets | $224,641,600 | 2,787 |
| Average earning assets | $207,997,400 | 2,751 |
| Average equity | $29,770,400 | 2,214 |
| Average total loans | $149,238,600 | 2,653 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7881% | 4,068 |
| Cost of funding earning assets | 0.4725% | 6,804 |
| Net interest margin | 4.3157% | 1,659 |
| Noninterest income to average assets | 0.5457% | 3,541 |
| Noninterest expense to average assets | 2.6921% | 4,759 |
| Loan and lease loss provision to assets | 0.2370% | 3,638 |
| Net operating income to assets | 1.0986% | 1,974 |
| Return on assets (ROA) | 1.0986% | 2,119 |
| Pretax return on assets | 1.6031% | 1,379 |
| Return on Equity (ROE) | 8.2766% | 2,925 |
| Retained earnings to average equity (ytd only) | 4.0258% | 3,854 |
| Net charge-offs to loans | 0.6158% | 2,402 |
| Credit loss provision to net charge-offs | 57.8717% | 4,855 |
| Earnings coverage of net charge-offs (x) | 4.4927% | 3,059 |
| Efficiency ratio | 59.3993% | 5,806 |
| Assets per employee ($millions) | 3.8186% | 4,267 |
| Cash dividends to net income (ytd only)* | 51.3588% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9997% | 6,271 |
| Loan loss allowance to noncurrent loans | 27.3490% | 6,389 |
| Noncurrent assets plus other real estate owned to assets | 2.8633% | 2,263 |
| Noncurrent loans to loans | 3.6554% | 1,878 |
| Net loans and leases to total assets | 65.8881% | 2,925 |
| Net loans and leases to deposits | 76.1372% | 3,308 |
| Net loans and leases to core deposits | 79.7122% | 3,682 |
| Total domestic deposits to total assets | 86.5387% | 2,914 |
| Equity capital to assets | 13.3695% | 1,429 |
| Core capital (leverage) ratio | 13.4768% | 1,053 |
| Tier 1 risk-based capital ratio | 22.2135% | 1,250 |
| Total risk-based capital ratio | 23.3285% | 1,250 |
| Memoranda: | ||
| Average total assets | $223,311,250 | 2,813 |
| Average earning assets | $206,282,250 | 2,778 |
| Average equity | $29,641,000 | 2,218 |
| Average total loans | $148,519,750 | 2,685 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8036% | 4,090 |
| Cost of funding earning assets | 0.4861% | 6,888 |
| Net interest margin | 4.3175% | 1,604 |
| Noninterest income to average assets | 0.5237% | 3,673 |
| Noninterest expense to average assets | 2.7290% | 4,712 |
| Loan and lease loss provision to assets | 0.2551% | 3,362 |
| Net operating income to assets | 1.0573% | 2,014 |
| Return on assets (ROA) | 1.0573% | 2,108 |
| Pretax return on assets | 1.5289% | 1,443 |
| Return on Equity (ROE) | 7.9848% | 2,953 |
| Retained earnings to average equity (ytd only) | 3.7109% | 3,854 |
| Net charge-offs to loans | 0.8443% | 1,814 |
| Credit loss provision to net charge-offs | 45.4400% | 4,695 |
| Earnings coverage of net charge-offs (x) | 3.1776% | 3,278 |
| Efficiency ratio | 60.4697% | 5,808 |
| Assets per employee ($millions) | 3.7174% | 4,392 |
| Cash dividends to net income (ytd only)* | 53.5259% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9781% | 6,426 |
| Loan loss allowance to noncurrent loans | 36.1840% | 5,882 |
| Noncurrent assets plus other real estate owned to assets | 2.1067% | 3,094 |
| Noncurrent loans to loans | 2.7031% | 2,694 |
| Net loans and leases to total assets | 65.6800% | 3,100 |
| Net loans and leases to deposits | 75.8881% | 3,498 |
| Net loans and leases to core deposits | 79.6499% | 3,837 |
| Total domestic deposits to total assets | 86.5485% | 3,011 |
| Equity capital to assets | 13.3484% | 1,357 |
| Core capital (leverage) ratio | 13.1203% | 1,106 |
| Tier 1 risk-based capital ratio | 22.3598% | 1,202 |
| Total risk-based capital ratio | 23.4540% | 1,195 |
| Memoranda: | ||
| Average total assets | $222,649,330 | 2,830 |
| Average earning assets | $205,721,330 | 2,810 |
| Average equity | $29,481,000 | 2,210 |
| Average total loans | $148,045,330 | 2,718 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7777% | 4,162 |
| Cost of funding earning assets | 0.4961% | 6,983 |
| Net interest margin | 4.2816% | 1,618 |
| Noninterest income to average assets | 0.5053% | 3,840 |
| Noninterest expense to average assets | 2.7961% | 4,460 |
| Loan and lease loss provision to assets | 0.2050% | 3,591 |
| Net operating income to assets | 0.9584% | 2,319 |
| Return on assets (ROA) | 0.9584% | 2,387 |
| Pretax return on assets | 1.4619% | 1,563 |
| Return on Equity (ROE) | 7.2678% | 3,258 |
| Retained earnings to average equity (ytd only) | 2.9726% | 4,386 |
| Net charge-offs to loans | 1.0048% | 1,356 |
| Credit loss provision to net charge-offs | 30.6452% | 4,106 |
| Earnings coverage of net charge-offs (x) | 2.4919% | 3,088 |
| Efficiency ratio | 62.6511% | 5,575 |
| Assets per employee ($millions) | 3.8157% | 4,269 |
| Cash dividends to net income (ytd only)* | 59.0994% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0340% | 6,272 |
| Loan loss allowance to noncurrent loans | 32.6296% | 6,130 |
| Noncurrent assets plus other real estate owned to assets | 2.3578% | 2,887 |
| Noncurrent loans to loans | 3.1688% | 2,375 |
| Net loans and leases to total assets | 65.0499% | 3,230 |
| Net loans and leases to deposits | 74.9885% | 3,588 |
| Net loans and leases to core deposits | 78.4450% | 3,959 |
| Total domestic deposits to total assets | 86.7466% | 3,092 |
| Equity capital to assets | 13.0788% | 1,350 |
| Core capital (leverage) ratio | 13.3174% | 1,024 |
| Tier 1 risk-based capital ratio | 21.9973% | 1,226 |
| Total risk-based capital ratio | 23.1463% | 1,213 |
| Memoranda: | ||
| Average total assets | $222,451,500 | 2,858 |
| Average earning assets | $205,622,500 | 2,830 |
| Average equity | $29,335,000 | 2,214 |
| Average total loans | $148,096,500 | 2,735 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1209% | 4,002 |
| Cost of funding earning assets | 0.6000% | 7,131 |
| Net interest margin | 4.5209% | 1,183 |
| Noninterest income to average assets | 0.6516% | 3,141 |
| Noninterest expense to average assets | 2.6892% | 5,038 |
| Loan and lease loss provision to assets | 0.3225% | 4,233 |
| Net operating income to assets | 1.1370% | 1,588 |
| Return on assets (ROA) | 1.1370% | 1,665 |
| Pretax return on assets | 1.8087% | 745 |
| Return on Equity (ROE) | 8.4838% | 2,505 |
| Retained earnings to average equity (ytd only) | 4.1389% | 2,953 |
| Net charge-offs to loans | 0.2398% | 4,850 |
| Credit loss provision to net charge-offs | 199.7101% | 1,578 |
| Earnings coverage of net charge-offs (x) | 13.1971% | 1,434 |
| Efficiency ratio | 55.7875% | 6,622 |
| Assets per employee ($millions) | 3.7892% | 4,286 |
| Cash dividends to net income (ytd only)* | 51.2145% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2063% | 5,480 |
| Loan loss allowance to noncurrent loans | 39.1333% | 5,695 |
| Noncurrent assets plus other real estate owned to assets | 2.3610% | 2,908 |
| Noncurrent loans to loans | 3.0826% | 2,474 |
| Net loans and leases to total assets | 66.6269% | 3,326 |
| Net loans and leases to deposits | 76.9162% | 3,697 |
| Net loans and leases to core deposits | 80.2915% | 4,171 |
| Total domestic deposits to total assets | 86.6227% | 3,017 |
| Equity capital to assets | 13.2981% | 1,257 |
| Core capital (leverage) ratio | 13.3328% | 1,018 |
| Tier 1 risk-based capital ratio | 22.1659% | 1,147 |
| Total risk-based capital ratio | 23.4173% | 1,124 |
| Memoranda: | ||
| Average total assets | $213,630,200 | 2,942 |
| Average earning assets | $196,996,000 | 2,915 |
| Average equity | $28,631,000 | 2,268 |
| Average total loans | $143,863,600 | 2,866 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1479% | 4,086 |
| Cost of funding earning assets | 0.6182% | 7,254 |
| Net interest margin | 4.5297% | 1,191 |
| Noninterest income to average assets | 0.6852% | 2,906 |
| Noninterest expense to average assets | 2.8854% | 4,147 |
| Loan and lease loss provision to assets | 0.2408% | 4,674 |
| Net operating income to assets | 1.1787% | 1,652 |
| Return on assets (ROA) | 1.1787% | 1,743 |
| Pretax return on assets | 1.7319% | 1,048 |
| Return on Equity (ROE) | 8.7772% | 2,574 |
| Retained earnings to average equity (ytd only) | 4.4284% | 3,388 |
| Net charge-offs to loans | 0.2568% | 4,407 |
| Credit loss provision to net charge-offs | 139.2727% | 2,864 |
| Earnings coverage of net charge-offs (x) | 11.4108% | 1,792 |
| Efficiency ratio | 59.3944% | 6,043 |
| Assets per employee ($millions) | 3.5227% | 4,923 |
| Cash dividends to net income (ytd only)* | 49.5468% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0570% | 6,127 |
| Loan loss allowance to noncurrent loans | 42.6491% | 5,443 |
| Noncurrent assets plus other real estate owned to assets | 2.1807% | 3,231 |
| Noncurrent loans to loans | 2.4784% | 3,141 |
| Net loans and leases to total assets | 67.6070% | 3,308 |
| Net loans and leases to deposits | 78.2493% | 3,784 |
| Net loans and leases to core deposits | 81.3329% | 4,337 |
| Total domestic deposits to total assets | 86.3996% | 2,854 |
| Equity capital to assets | 13.4897% | 1,353 |
| Core capital (leverage) ratio | 13.6165% | 1,023 |
| Tier 1 risk-based capital ratio | 22.1324% | 1,189 |
| Total risk-based capital ratio | 23.3311% | 1,168 |
| Memoranda: | ||
| Average total assets | $212,093,750 | 3,006 |
| Average earning assets | $195,388,000 | 2,977 |
| Average equity | $28,482,250 | 2,310 |
| Average total loans | $142,775,000 | 2,926 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1564% | 4,161 |
| Cost of funding earning assets | 0.6365% | 7,325 |
| Net interest margin | 4.5199% | 1,166 |
| Noninterest income to average assets | 0.6725% | 2,871 |
| Noninterest expense to average assets | 2.8783% | 4,156 |
| Loan and lease loss provision to assets | 0.2709% | 4,229 |
| Net operating income to assets | 1.1441% | 1,711 |
| Return on assets (ROA) | 1.1441% | 1,779 |
| Pretax return on assets | 1.6935% | 1,068 |
| Return on Equity (ROE) | 8.5329% | 2,653 |
| Retained earnings to average equity (ytd only) | 4.1534% | 3,425 |
| Net charge-offs to loans | 0.2857% | 3,909 |
| Credit loss provision to net charge-offs | 141.5842% | 2,820 |
| Earnings coverage of net charge-offs (x) | 10.2673% | 1,914 |
| Efficiency ratio | 59.4367% | 6,156 |
| Assets per employee ($millions) | 3.5698% | 4,752 |
| Cash dividends to net income (ytd only)* | 51.3245% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0606% | 6,136 |
| Loan loss allowance to noncurrent loans | 38.6151% | 5,777 |
| Noncurrent assets plus other real estate owned to assets | 2.3400% | 3,089 |
| Noncurrent loans to loans | 2.7465% | 2,904 |
| Net loans and leases to total assets | 66.5518% | 3,727 |
| Net loans and leases to deposits | 76.9118% | 4,171 |
| Net loans and leases to core deposits | 79.9432% | 4,700 |
| Total domestic deposits to total assets | 86.5301% | 2,799 |
| Equity capital to assets | 13.3663% | 1,406 |
| Core capital (leverage) ratio | 13.4338% | 1,082 |
| Tier 1 risk-based capital ratio | 21.9556% | 1,210 |
| Total risk-based capital ratio | 23.1466% | 1,195 |
| Memoranda: | ||
| Average total assets | $211,164,000 | 3,039 |
| Average earning assets | $194,826,330 | 3,007 |
| Average equity | $28,314,000 | 2,318 |
| Average total loans | $141,424,000 | 2,988 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0636% | 4,715 |
| Cost of funding earning assets | 0.6483% | 7,445 |
| Net interest margin | 4.4153% | 1,347 |
| Noninterest income to average assets | 0.6620% | 2,870 |
| Noninterest expense to average assets | 2.9496% | 3,857 |
| Loan and lease loss provision to assets | 0.2557% | 3,998 |
| Net operating income to assets | 1.0322% | 2,059 |
| Return on assets (ROA) | 1.0322% | 2,119 |
| Pretax return on assets | 1.5759% | 1,325 |
| Return on Equity (ROE) | 7.6856% | 3,029 |
| Retained earnings to average equity (ytd only) | 3.2817% | 4,176 |
| Net charge-offs to loans | 0.1056% | 4,366 |
| Credit loss provision to net charge-offs | 362.1622% | 1,120 |
| Earnings coverage of net charge-offs (x) | 25.9459% | 971 |
| Efficiency ratio | 61.6919% | 5,888 |
| Assets per employee ($millions) | 3.5347% | 4,957 |
| Cash dividends to net income (ytd only)* | 57.3013% | 1,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1001% | 6,002 |
| Loan loss allowance to noncurrent loans | 34.1837% | 6,114 |
| Noncurrent assets plus other real estate owned to assets | 2.6230% | 2,775 |
| Noncurrent loans to loans | 3.2181% | 2,480 |
| Net loans and leases to total assets | 65.3247% | 4,033 |
| Net loans and leases to deposits | 75.5355% | 4,489 |
| Net loans and leases to core deposits | 78.3790% | 4,980 |
| Total domestic deposits to total assets | 86.4821% | 2,905 |
| Equity capital to assets | 13.3307% | 1,390 |
| Core capital (leverage) ratio | 13.6520% | 1,042 |
| Tier 1 risk-based capital ratio | 22.5889% | 1,136 |
| Total risk-based capital ratio | 23.8393% | 1,112 |
| Memoranda: | ||
| Average total assets | $209,652,000 | 3,105 |
| Average earning assets | $195,591,000 | 3,053 |
| Average equity | $28,156,500 | 2,362 |
| Average total loans | $140,099,000 | 3,077 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3783% | 4,799 |
| Cost of funding earning assets | 0.8990% | 7,406 |
| Net interest margin | 4.4793% | 1,217 |
| Noninterest income to average assets | 0.6920% | 3,031 |
| Noninterest expense to average assets | 3.0597% | 3,907 |
| Loan and lease loss provision to assets | 0.2785% | 5,188 |
| Net operating income to assets | 1.0965% | 1,519 |
| Return on assets (ROA) | 1.0965% | 1,559 |
| Pretax return on assets | 1.5358% | 1,110 |
| Return on Equity (ROE) | 8.0152% | 2,362 |
| Retained earnings to average equity (ytd only) | 3.5559% | 2,690 |
| Net charge-offs to loans | 0.3298% | 4,583 |
| Credit loss provision to net charge-offs | 129.5612% | 3,952 |
| Earnings coverage of net charge-offs (x) | 8.4411% | 1,945 |
| Efficiency ratio | 62.7763% | 6,008 |
| Assets per employee ($millions) | 3.5122% | 4,980 |
| Cash dividends to net income (ytd only)* | 55.6360% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0306% | 6,216 |
| Loan loss allowance to noncurrent loans | 32.0462% | 6,320 |
| Noncurrent assets plus other real estate owned to assets | 2.6542% | 2,645 |
| Noncurrent loans to loans | 3.2159% | 2,372 |
| Net loans and leases to total assets | 66.9191% | 3,945 |
| Net loans and leases to deposits | 77.4902% | 4,474 |
| Net loans and leases to core deposits | 86.2655% | 5,496 |
| Total domestic deposits to total assets | 86.3581% | 2,836 |
| Equity capital to assets | 13.5319% | 1,307 |
| Core capital (leverage) ratio | 13.5165% | 1,088 |
| Tier 1 risk-based capital ratio | 22.5968% | 1,081 |
| Total risk-based capital ratio | 23.7806% | 1,065 |
| Memoranda: | ||
| Average total assets | $201,455,200 | 3,165 |
| Average earning assets | $188,089,000 | 3,114 |
| Average equity | $27,560,000 | 2,413 |
| Average total loans | $131,272,400 | 3,248 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4282% | 4,801 |
| Cost of funding earning assets | 0.9568% | 7,472 |
| Net interest margin | 4.4714% | 1,263 |
| Noninterest income to average assets | 0.6426% | 3,399 |
| Noninterest expense to average assets | 2.9811% | 4,123 |
| Loan and lease loss provision to assets | 0.2040% | 5,357 |
| Net operating income to assets | 1.1512% | 1,585 |
| Return on assets (ROA) | 1.1512% | 1,651 |
| Pretax return on assets | 1.6259% | 1,123 |
| Return on Equity (ROE) | 8.3915% | 2,490 |
| Retained earnings to average equity (ytd only) | 3.9115% | 3,102 |
| Net charge-offs to loans | 0.1705% | 5,029 |
| Credit loss provision to net charge-offs | 185.4545% | 2,455 |
| Earnings coverage of net charge-offs (x) | 16.6367% | 1,460 |
| Efficiency ratio | 61.9648% | 6,111 |
| Assets per employee ($millions) | 3.3241% | 5,330 |
| Cash dividends to net income (ytd only)* | 53.3872% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0745% | 5,868 |
| Loan loss allowance to noncurrent loans | 24.6240% | 6,804 |
| Noncurrent assets plus other real estate owned to assets | 3.2954% | 2,051 |
| Noncurrent loans to loans | 4.3637% | 1,625 |
| Net loans and leases to total assets | 66.1539% | 4,394 |
| Net loans and leases to deposits | 77.0586% | 4,892 |
| Net loans and leases to core deposits | 85.1822% | 5,951 |
| Total domestic deposits to total assets | 85.8489% | 2,780 |
| Equity capital to assets | 13.7428% | 1,398 |
| Core capital (leverage) ratio | 13.8321% | 1,135 |
| Tier 1 risk-based capital ratio | 22.9278% | 1,121 |
| Total risk-based capital ratio | 24.1505% | 1,089 |
| Memoranda: | ||
| Average total assets | $200,013,500 | 3,203 |
| Average earning assets | $186,452,750 | 3,161 |
| Average equity | $27,439,750 | 2,440 |
| Average total loans | $129,061,750 | 3,321 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4443% | 4,918 |
| Cost of funding earning assets | 1.0131% | 7,528 |
| Net interest margin | 4.4312% | 1,331 |
| Noninterest income to average assets | 0.6128% | 3,582 |
| Noninterest expense to average assets | 2.9574% | 4,263 |
| Loan and lease loss provision to assets | 0.2039% | 5,012 |
| Net operating income to assets | 1.1100% | 1,740 |
| Return on assets (ROA) | 1.1100% | 1,819 |
| Pretax return on assets | 1.5771% | 1,265 |
| Return on Equity (ROE) | 8.0959% | 2,730 |
| Retained earnings to average equity (ytd only) | 3.5974% | 3,296 |
| Net charge-offs to loans | 0.1072% | 5,087 |
| Credit loss provision to net charge-offs | 298.5294% | 1,569 |
| Earnings coverage of net charge-offs (x) | 26.0735% | 1,098 |
| Efficiency ratio | 62.4126% | 6,182 |
| Assets per employee ($millions) | 3.3739% | 5,127 |
| Cash dividends to net income (ytd only)* | 55.5656% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1059% | 5,562 |
| Loan loss allowance to noncurrent loans | 43.1204% | 5,492 |
| Noncurrent assets plus other real estate owned to assets | 2.1069% | 3,051 |
| Noncurrent loans to loans | 2.5647% | 2,826 |
| Net loans and leases to total assets | 64.0968% | 4,962 |
| Net loans and leases to deposits | 74.3413% | 5,407 |
| Net loans and leases to core deposits | 82.4148% | 6,206 |
| Total domestic deposits to total assets | 86.2196% | 2,664 |
| Equity capital to assets | 13.6104% | 1,456 |
| Core capital (leverage) ratio | 13.5629% | 1,253 |
| Tier 1 risk-based capital ratio | 23.1736% | 1,117 |
| Total risk-based capital ratio | 24.4133% | 1,099 |
| Memoranda: | ||
| Average total assets | $199,095,330 | 3,237 |
| Average earning assets | $185,367,000 | 3,195 |
| Average equity | $27,297,670 | 2,446 |
| Average total loans | $126,883,670 | 3,404 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4617% | 5,111 |
| Cost of funding earning assets | 1.0715% | 7,559 |
| Net interest margin | 4.3903% | 1,369 |
| Noninterest income to average assets | 0.6889% | 2,956 |
| Noninterest expense to average assets | 2.9844% | 3,839 |
| Loan and lease loss provision to assets | 0.2654% | 3,842 |
| Net operating income to assets | 1.0657% | 2,084 |
| Return on assets (ROA) | 1.0657% | 2,215 |
| Pretax return on assets | 1.5317% | 1,583 |
| Return on Equity (ROE) | 7.7437% | 3,266 |
| Retained earnings to average equity (ytd only) | 3.2241% | 4,077 |
| Net charge-offs to loans | 0.2053% | 3,404 |
| Credit loss provision to net charge-offs | 204.6875% | 2,172 |
| Earnings coverage of net charge-offs (x) | 13.8594% | 1,714 |
| Efficiency ratio | 62.4153% | 5,978 |
| Assets per employee ($millions) | 3.2743% | 5,385 |
| Cash dividends to net income (ytd only)* | 58.3650% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1022% | 5,454 |
| Loan loss allowance to noncurrent loans | 37.8489% | 6,022 |
| Noncurrent assets plus other real estate owned to assets | 2.5079% | 2,292 |
| Noncurrent loans to loans | 2.9121% | 2,244 |
| Net loans and leases to total assets | 62.1301% | 5,298 |
| Net loans and leases to deposits | 72.1295% | 5,729 |
| Net loans and leases to core deposits | 79.4521% | 6,426 |
| Total domestic deposits to total assets | 86.1369% | 2,644 |
| Equity capital to assets | 13.6584% | 1,478 |
| Core capital (leverage) ratio | 14.0986% | 1,168 |
| Tier 1 risk-based capital ratio | 23.5552% | 1,131 |
| Total risk-based capital ratio | 24.7666% | 1,117 |
| Memoranda: | ||
| Average total assets | $197,426,500 | 3,269 |
| Average earning assets | $184,044,000 | 3,237 |
| Average equity | $27,170,500 | 2,478 |
| Average total loans | $124,723,500 | 3,467 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6699% | 6,865 |
| Cost of funding earning assets | 1.5271% | 7,568 |
| Net interest margin | 4.1429% | 2,526 |
| Noninterest income to average assets | 0.6778% | 3,273 |
| Noninterest expense to average assets | 2.8348% | 4,668 |
| Loan and lease loss provision to assets | 0.2696% | 4,242 |
| Net operating income to assets | 1.0285% | 2,435 |
| Return on assets (ROA) | 1.0285% | 2,326 |
| Pretax return on assets | 1.4849% | 1,722 |
| Return on Equity (ROE) | 7.5109% | 3,274 |
| Retained earnings to average equity (ytd only) | 2.9024% | 3,367 |
| Net charge-offs to loans | 0.5955% | 2,045 |
| Credit loss provision to net charge-offs | 73.6325% | 6,019 |
| Earnings coverage of net charge-offs (x) | 4.7924% | 3,852 |
| Efficiency ratio | 61.7700% | 5,994 |
| Assets per employee ($millions) | 3.2520% | 5,329 |
| Cash dividends to net income (ytd only)* | 61.3580% | 2,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0615% | 5,538 |
| Loan loss allowance to noncurrent loans | 31.5588% | 6,622 |
| Noncurrent assets plus other real estate owned to assets | 2.8418% | 1,649 |
| Noncurrent loans to loans | 3.3637% | 1,535 |
| Net loans and leases to total assets | 62.8607% | 5,481 |
| Net loans and leases to deposits | 73.0951% | 5,939 |
| Net loans and leases to core deposits | 80.7972% | 6,554 |
| Total domestic deposits to total assets | 85.9985% | 2,402 |
| Equity capital to assets | 13.8688% | 1,471 |
| Core capital (leverage) ratio | 13.7822% | 1,313 |
| Tier 1 risk-based capital ratio | 23.6349% | 1,125 |
| Total risk-based capital ratio | 24.8017% | 1,107 |
| Memoranda: | ||
| Average total assets | $194,757,400 | 3,204 |
| Average earning assets | $183,882,000 | 3,140 |
| Average equity | $26,668,000 | 2,503 |
| Average total loans | $119,730,400 | 3,463 |