Home > American Heritage National Bank > Performance and Condition Ratios
American Heritage National 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 | 5.0338% | 3,059 |
| Cost of funding earning assets | 1.7530% | 2,578 |
| Net interest margin | 3.2808% | 2,812 |
| Noninterest income to average assets | 0.3200% | 2,730 |
| Noninterest expense to average assets | 1.5981% | 4,146 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.3271% | 1,423 |
| Return on assets (ROA) | 1.3271% | 1,419 |
| Pretax return on assets | 1.8290% | 907 |
| Return on Equity (ROE) | 10.8900% | 2,054 |
| Retained earnings to average equity (ytd only) | 9.8176% | 1,224 |
| Net charge-offs to loans | -0.0028% | 3,606 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 46.6318% | 4,072 |
| Assets per employee ($millions) | 9.1653% | 1,043 |
| Cash dividends to net income (ytd only)* | 9.8325% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4039% | 1,287 |
| Loan loss allowance to noncurrent loans | 1,323.9560% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.0952% | 3,042 |
| Noncurrent loans to loans | 0.1060% | 3,128 |
| Net loans and leases to total assets | 75.6700% | 1,124 |
| Net loans and leases to deposits | 87.0095% | 1,396 |
| Net loans and leases to core deposits | 94.4174% | 1,747 |
| Total domestic deposits to total assets | 86.9700% | 1,932 |
| Equity capital to assets | 12.3131% | 1,125 |
| Core capital (leverage) ratio | 11.6043% | 1,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0067% | 1,065 |
| Memoranda: | ||
| Average total assets | $557,897,500 | 1,645 |
| Average earning assets | $529,143,500 | 1,617 |
| Average equity | $68,000,000 | 1,394 |
| Average total loans | $426,978,500 | 1,484 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0382% | 3,034 |
| Cost of funding earning assets | 1.9828% | 2,264 |
| Net interest margin | 3.0554% | 3,048 |
| Noninterest income to average assets | 0.3100% | 3,001 |
| Noninterest expense to average assets | 1.9159% | 3,760 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.9568% | 2,193 |
| Return on assets (ROA) | 0.9577% | 2,191 |
| Pretax return on assets | 1.2967% | 1,765 |
| Return on Equity (ROE) | 8.1900% | 2,703 |
| Retained earnings to average equity (ytd only) | 6.6649% | 1,563 |
| Net charge-offs to loans | 0.0017% | 2,983 |
| Credit loss provision to net charge-offs | 1,600.0000% | 284 |
| Earnings coverage of net charge-offs (x) | 1,029.1429% | 130 |
| Efficiency ratio | 59.6573% | 3,202 |
| Assets per employee ($millions) | 8.8367% | 1,123 |
| Cash dividends to net income (ytd only)* | 18.6479% | 2,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4169% | 1,255 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0138% | 3,642 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 75.2400% | 1,246 |
| Net loans and leases to deposits | 86.4051% | 1,552 |
| Net loans and leases to core deposits | 94.6563% | 1,802 |
| Total domestic deposits to total assets | 87.0800% | 1,841 |
| Equity capital to assets | 12.0636% | 1,159 |
| Core capital (leverage) ratio | 11.1703% | 1,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6777% | 1,121 |
| Memoranda: | ||
| Average total assets | $556,039,800 | 1,635 |
| Average earning assets | $527,132,000 | 1,598 |
| Average equity | $64,997,400 | 1,397 |
| Average total loans | $420,058,400 | 1,477 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9936% | 3,050 |
| Cost of funding earning assets | 2.0104% | 2,185 |
| Net interest margin | 2.9832% | 3,133 |
| Noninterest income to average assets | 0.3100% | 2,981 |
| Noninterest expense to average assets | 1.7217% | 4,053 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.0626% | 1,871 |
| Return on assets (ROA) | 1.0638% | 1,872 |
| Pretax return on assets | 1.4176% | 1,468 |
| Return on Equity (ROE) | 9.1700% | 2,434 |
| Retained earnings to average equity (ytd only) | 7.3060% | 1,636 |
| Net charge-offs to loans | -0.0038% | 3,799 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 54.8693% | 3,649 |
| Assets per employee ($millions) | 8.7460% | 1,160 |
| Cash dividends to net income (ytd only)* | 20.3608% | 2,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3963% | 1,355 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 73.6200% | 1,417 |
| Net loans and leases to deposits | 84.7212% | 1,758 |
| Net loans and leases to core deposits | 91.9179% | 2,014 |
| Total domestic deposits to total assets | 86.9000% | 1,628 |
| Equity capital to assets | 11.6788% | 1,400 |
| Core capital (leverage) ratio | 10.9425% | 2,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2691% | 1,239 |
| Memoranda: | ||
| Average total assets | $555,872,500 | 1,632 |
| Average earning assets | $526,851,500 | 1,600 |
| Average equity | $64,457,000 | 1,398 |
| Average total loans | $418,854,750 | 1,476 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9134% | 3,100 |
| Cost of funding earning assets | 1.9938% | 2,130 |
| Net interest margin | 2.9196% | 3,217 |
| Noninterest income to average assets | 0.3000% | 2,991 |
| Noninterest expense to average assets | 1.6753% | 4,114 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.0637% | 1,810 |
| Return on assets (ROA) | 1.0637% | 1,818 |
| Pretax return on assets | 1.3918% | 1,493 |
| Return on Equity (ROE) | 9.2000% | 2,401 |
| Retained earnings to average equity (ytd only) | 6.4064% | 1,863 |
| Net charge-offs to loans | -0.0043% | 3,770 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 54.6217% | 3,702 |
| Assets per employee ($millions) | 8.7347% | 1,101 |
| Cash dividends to net income (ytd only)* | 30.3340% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3952% | 1,399 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 76.0700% | 1,169 |
| Net loans and leases to deposits | 89.5002% | 1,344 |
| Net loans and leases to core deposits | 96.6129% | 1,698 |
| Total domestic deposits to total assets | 85.0000% | 2,319 |
| Equity capital to assets | 11.7903% | 1,245 |
| Core capital (leverage) ratio | 10.8945% | 2,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5037% | 1,392 |
| Memoranda: | ||
| Average total assets | $551,666,333 | 1,643 |
| Average earning assets | $522,531,000 | 1,614 |
| Average equity | $63,811,667 | 1,396 |
| Average total loans | $416,985,000 | 1,483 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7747% | 3,190 |
| Cost of funding earning assets | 2.0044% | 1,982 |
| Net interest margin | 2.7703% | 3,422 |
| Noninterest income to average assets | 0.2900% | 2,998 |
| Noninterest expense to average assets | 1.6214% | 4,170 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.9400% | 2,115 |
| Return on assets (ROA) | 0.9400% | 2,134 |
| Pretax return on assets | 1.2948% | 1,653 |
| Return on Equity (ROE) | 8.2100% | 2,633 |
| Retained earnings to average equity (ytd only) | 5.4869% | 2,271 |
| Net charge-offs to loans | -0.0029% | 3,581 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 55.5997% | 3,634 |
| Assets per employee ($millions) | 9.0989% | 978 |
| Cash dividends to net income (ytd only)* | 33.1279% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4203% | 1,322 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 74.0200% | 1,328 |
| Net loans and leases to deposits | 87.7379% | 1,382 |
| Net loans and leases to core deposits | 93.9076% | 1,785 |
| Total domestic deposits to total assets | 84.3600% | 2,620 |
| Equity capital to assets | 11.4787% | 1,317 |
| Core capital (leverage) ratio | 10.5975% | 2,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3887% | 1,431 |
| Memoranda: | ||
| Average total assets | $552,357,500 | 1,650 |
| Average earning assets | $523,257,000 | 1,618 |
| Average equity | $63,277,500 | 1,395 |
| Average total loans | $413,209,500 | 1,488 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3923% | 3,289 |
| Cost of funding earning assets | 1.2894% | 2,550 |
| Net interest margin | 3.1030% | 3,092 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 1.9358% | 3,761 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9525% | 2,355 |
| Return on assets (ROA) | 0.9949% | 2,218 |
| Pretax return on assets | 1.3682% | 1,702 |
| Return on Equity (ROE) | 8.6900% | 2,832 |
| Retained earnings to average equity (ytd only) | 7.6398% | 1,660 |
| Net charge-offs to loans | 0.0030% | 2,674 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 632.2727% | 231 |
| Efficiency ratio | 59.5569% | 3,132 |
| Assets per employee ($millions) | 9.4773% | 834 |
| Cash dividends to net income (ytd only)* | 12.0441% | 3,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4438% | 1,224 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 73.4500% | 1,425 |
| Net loans and leases to deposits | 86.9289% | 1,541 |
| Net loans and leases to core deposits | 91.6396% | 1,933 |
| Total domestic deposits to total assets | 84.5000% | 2,468 |
| Equity capital to assets | 11.4329% | 1,318 |
| Core capital (leverage) ratio | 10.8054% | 2,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0492% | 1,522 |
| Memoranda: | ||
| Average total assets | $529,080,800 | 1,667 |
| Average earning assets | $500,394,400 | 1,637 |
| Average equity | $60,604,000 | 1,389 |
| Average total loans | $368,393,800 | 1,551 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 33,233.0000% | 4 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 68,615.0000% | 17 |
| Cost of funding earning assets | 0.0000% | 4,547 |
| Net interest margin | 0.0000% | 4,578 |
| Noninterest income to average assets | 0.0000% | 4,562 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0000% | 4,375 |
| Return on assets (ROA) | 1.1037% | 2,025 |
| Pretax return on assets | 1.5261% | 1,510 |
| Return on Equity (ROE) | 9.6300% | 2,755 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 3.0000% | 2,048 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 2,455 |
| Efficiency ratio | 0.0000% | 4,602 |
| Assets per employee ($millions) | 0.3002% | 4,569 |
| Cash dividends to net income (ytd only)* | 0.4831% | 2,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,482 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 3.0000% | 69 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 0.0000% | 4,500 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0006% | 4,487 |
| Total domestic deposits to total assets | 94.0000% | 190 |
| Equity capital to assets | 1,766.0000% | 41 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,150,000 | 4,625 |
| Average earning assets | $5,043 | 4,604 |
| Average equity | $0 | 4,568 |
| Average total loans | $0 | 4,502 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0923% | 3,264 |
| Cost of funding earning assets | 0.8065% | 2,708 |
| Net interest margin | 3.2857% | 2,914 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 1.7653% | 4,088 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1855% | 1,971 |
| Return on assets (ROA) | 1.1855% | 1,934 |
| Pretax return on assets | 1.6306% | 1,398 |
| Return on Equity (ROE) | 10.6000% | 2,605 |
| Retained earnings to average equity (ytd only) | 6.2836% | 2,684 |
| Net charge-offs to loans | -0.0035% | 3,551 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 51.9830% | 3,779 |
| Assets per employee ($millions) | 8.9272% | 963 |
| Cash dividends to net income (ytd only)* | 40.6932% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7208% | 774 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0092% | 3,782 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 66.5500% | 2,004 |
| Net loans and leases to deposits | 75.6799% | 2,149 |
| Net loans and leases to core deposits | 76.9776% | 2,462 |
| Total domestic deposits to total assets | 87.9300% | 1,952 |
| Equity capital to assets | 11.6378% | 1,112 |
| Core capital (leverage) ratio | 10.5198% | 2,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0499% | 1,610 |
| Memoranda: | ||
| Average total assets | $525,694,000 | 1,691 |
| Average earning assets | $497,428,000 | 1,662 |
| Average equity | $58,820,000 | 1,415 |
| Average total loans | $340,582,500 | 1,650 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4240% | 3,286 |
| Cost of funding earning assets | 0.2718% | 3,137 |
| Net interest margin | 3.1522% | 3,014 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 1.8609% | 3,905 |
| Loan and lease loss provision to assets | 0.2100% | 483 |
| Net operating income to assets | 0.9408% | 2,811 |
| Return on assets (ROA) | 0.9408% | 2,751 |
| Pretax return on assets | 1.3031% | 2,074 |
| Return on Equity (ROE) | 9.0100% | 3,130 |
| Retained earnings to average equity (ytd only) | 8.5294% | 1,631 |
| Net charge-offs to loans | -0.0052% | 3,645 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 55.0844% | 3,674 |
| Assets per employee ($millions) | 8.7506% | 994 |
| Cash dividends to net income (ytd only)* | 5.3465% | 3,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7605% | 713 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0087% | 3,817 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 60.9500% | 2,558 |
| Net loans and leases to deposits | 68.4921% | 2,700 |
| Net loans and leases to core deposits | 69.1422% | 2,938 |
| Total domestic deposits to total assets | 88.9900% | 1,721 |
| Equity capital to assets | 10.7681% | 1,348 |
| Core capital (leverage) ratio | 9.8366% | 2,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4181% | 1,502 |
| Memoranda: | ||
| Average total assets | $536,793,200 | 1,644 |
| Average earning assets | $509,139,200 | 1,610 |
| Average equity | $56,041,600 | 1,482 |
| Average total loans | $307,923,000 | 1,686 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1695% | 3,507 |
| Cost of funding earning assets | 0.1869% | 3,434 |
| Net interest margin | 2.9826% | 3,264 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 1.7379% | 4,095 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.0101% | 2,448 |
| Return on assets (ROA) | 1.0101% | 2,412 |
| Pretax return on assets | 1.3962% | 1,732 |
| Return on Equity (ROE) | 9.7500% | 2,803 |
| Retained earnings to average equity (ytd only) | 9.2483% | 1,567 |
| Net charge-offs to loans | -0.0058% | 3,523 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 53.5369% | 3,860 |
| Assets per employee ($millions) | 8.6120% | 1,018 |
| Cash dividends to net income (ytd only)* | 5.1775% | 2,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6502% | 966 |
| Loan loss allowance to noncurrent loans | 104,460.0000% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.0463% | 3,440 |
| Noncurrent loans to loans | 0.0016% | 3,965 |
| Net loans and leases to total assets | 58.3000% | 2,662 |
| Net loans and leases to deposits | 65.4536% | 2,757 |
| Net loans and leases to core deposits | 66.0598% | 2,951 |
| Total domestic deposits to total assets | 89.0700% | 2,062 |
| Equity capital to assets | 10.7447% | 1,273 |
| Core capital (leverage) ratio | 9.8727% | 2,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3116% | 1,336 |
| Memoranda: | ||
| Average total assets | $535,357,500 | 1,660 |
| Average earning assets | $507,863,500 | 1,628 |
| Average equity | $55,446,750 | 1,506 |
| Average total loans | $300,752,000 | 1,708 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9722% | 3,621 |
| Cost of funding earning assets | 0.1691% | 3,328 |
| Net interest margin | 2.8031% | 3,437 |
| Noninterest income to average assets | 0.4367% | 2,529 |
| Noninterest expense to average assets | 1.7196% | 4,110 |
| Loan and lease loss provision to assets | 0.0149% | 2,331 |
| Net operating income to assets | 0.9843% | 2,211 |
| Return on assets (ROA) | 0.9843% | 2,185 |
| Pretax return on assets | 1.3631% | 1,541 |
| Return on Equity (ROE) | 9.6232% | 2,480 |
| Retained earnings to average equity (ytd only) | 8.8568% | 1,328 |
| Net charge-offs to loans | -0.0061% | 3,408 |
| Credit loss provision to net charge-offs | -444.4444% | 3,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5127% | 3,821 |
| Assets per employee ($millions) | 8.1826% | 1,210 |
| Cash dividends to net income (ytd only)* | 7.9636% | 2,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5910% | 1,174 |
| Loan loss allowance to noncurrent loans | 2,763.7931% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.0422% | 3,564 |
| Noncurrent loans to loans | 0.0576% | 3,520 |
| Net loans and leases to total assets | 56.8008% | 2,666 |
| Net loans and leases to deposits | 63.7284% | 2,747 |
| Net loans and leases to core deposits | 64.2840% | 2,944 |
| Total domestic deposits to total assets | 89.1296% | 2,119 |
| Equity capital to assets | 10.7003% | 1,358 |
| Core capital (leverage) ratio | 9.7361% | 2,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5723% | 1,294 |
| Memoranda: | ||
| Average total assets | $535,828,333 | 1,668 |
| Average earning assets | $508,645,667 | 1,639 |
| Average equity | $54,805,333 | 1,557 |
| Average total loans | $295,498,000 | 1,728 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7583% | 3,824 |
| Cost of funding earning assets | 0.1709% | 3,206 |
| Net interest margin | 2.5873% | 3,689 |
| Noninterest income to average assets | 0.4842% | 2,213 |
| Noninterest expense to average assets | 1.7022% | 4,131 |
| Loan and lease loss provision to assets | 0.0295% | 1,837 |
| Net operating income to assets | 0.8769% | 2,377 |
| Return on assets (ROA) | 0.8769% | 2,375 |
| Pretax return on assets | 1.2106% | 1,770 |
| Return on Equity (ROE) | 8.7691% | 2,405 |
| Retained earnings to average equity (ytd only) | 8.0310% | 1,575 |
| Net charge-offs to loans | -0.0041% | 3,282 |
| Credit loss provision to net charge-offs | -1,333.3333% | 3,312 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8525% | 3,699 |
| Assets per employee ($millions) | 8.4797% | 1,132 |
| Cash dividends to net income (ytd only)* | 8.4175% | 2,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6799% | 1,085 |
| Loan loss allowance to noncurrent loans | 1,944.5344% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.0462% | 3,579 |
| Noncurrent loans to loans | 0.0864% | 3,409 |
| Net loans and leases to total assets | 52.6214% | 2,927 |
| Net loans and leases to deposits | 58.7762% | 3,007 |
| Net loans and leases to core deposits | 59.3507% | 3,201 |
| Total domestic deposits to total assets | 89.5285% | 1,799 |
| Equity capital to assets | 10.2379% | 1,729 |
| Core capital (leverage) ratio | 9.2250% | 3,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2475% | 1,202 |
| Memoranda: | ||
| Average total assets | $541,899,500 | 1,657 |
| Average earning assets | $514,816,500 | 1,632 |
| Average equity | $54,190,000 | 1,620 |
| Average total loans | $292,113,500 | 1,730 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8643% | 4,113 |
| Cost of funding earning assets | 0.2034% | 3,428 |
| Net interest margin | 2.6609% | 3,942 |
| Noninterest income to average assets | 0.5172% | 2,493 |
| Noninterest expense to average assets | 1.7596% | 4,207 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9298% | 2,940 |
| Return on assets (ROA) | 0.9298% | 3,004 |
| Pretax return on assets | 1.2892% | 2,391 |
| Return on Equity (ROE) | 9.1368% | 2,864 |
| Retained earnings to average equity (ytd only) | 8.9755% | 1,213 |
| Net charge-offs to loans | -0.0031% | 3,440 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7135% | 3,488 |
| Assets per employee ($millions) | 8.5872% | 1,054 |
| Cash dividends to net income (ytd only)* | 1.7648% | 3,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5957% | 1,271 |
| Loan loss allowance to noncurrent loans | 1,927.1255% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.0449% | 3,678 |
| Noncurrent loans to loans | 0.0828% | 3,517 |
| Net loans and leases to total assets | 53.4136% | 2,918 |
| Net loans and leases to deposits | 59.3418% | 3,137 |
| Net loans and leases to core deposits | 60.3569% | 3,290 |
| Total domestic deposits to total assets | 90.0102% | 952 |
| Equity capital to assets | 9.7688% | 2,878 |
| Core capital (leverage) ratio | 9.1058% | 3,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7407% | 1,329 |
| Memoranda: | ||
| Average total assets | $505,806,400 | 1,685 |
| Average earning assets | $481,236,200 | 1,657 |
| Average equity | $51,473,400 | 1,719 |
| Average total loans | $294,042,400 | 1,730 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8981% | 4,174 |
| Cost of funding earning assets | 0.2118% | 3,497 |
| Net interest margin | 2.6863% | 4,002 |
| Noninterest income to average assets | 0.5321% | 2,490 |
| Noninterest expense to average assets | 1.7351% | 4,274 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9769% | 2,997 |
| Return on assets (ROA) | 0.9769% | 3,078 |
| Pretax return on assets | 1.3531% | 2,484 |
| Return on Equity (ROE) | 9.4944% | 2,932 |
| Retained earnings to average equity (ytd only) | 9.3897% | 1,538 |
| Net charge-offs to loans | -0.0032% | 3,317 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1857% | 3,505 |
| Assets per employee ($millions) | 7.8836% | 1,319 |
| Cash dividends to net income (ytd only)* | 1.1031% | 3,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6463% | 1,230 |
| Loan loss allowance to noncurrent loans | 2,343.8424% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.0870% | 3,518 |
| Noncurrent loans to loans | 0.0702% | 3,742 |
| Net loans and leases to total assets | 55.4726% | 2,792 |
| Net loans and leases to deposits | 62.0076% | 3,037 |
| Net loans and leases to core deposits | 63.1183% | 3,212 |
| Total domestic deposits to total assets | 89.4609% | 1,036 |
| Equity capital to assets | 10.2801% | 2,628 |
| Core capital (leverage) ratio | 9.4494% | 3,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8664% | 1,375 |
| Memoranda: | ||
| Average total assets | $494,863,250 | 1,727 |
| Average earning assets | $470,865,500 | 1,701 |
| Average equity | $50,920,000 | 1,753 |
| Average total loans | $292,975,500 | 1,765 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9328% | 4,174 |
| Cost of funding earning assets | 0.2215% | 3,546 |
| Net interest margin | 2.7113% | 3,956 |
| Noninterest income to average assets | 0.5223% | 2,518 |
| Noninterest expense to average assets | 1.7219% | 4,332 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9959% | 2,901 |
| Return on assets (ROA) | 0.9959% | 2,984 |
| Pretax return on assets | 1.3832% | 2,383 |
| Return on Equity (ROE) | 9.6754% | 2,880 |
| Retained earnings to average equity (ytd only) | 9.5165% | 1,547 |
| Net charge-offs to loans | -0.0027% | 3,265 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4531% | 3,610 |
| Assets per employee ($millions) | 8.0830% | 1,169 |
| Cash dividends to net income (ytd only)* | 1.6427% | 3,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6345% | 1,204 |
| Loan loss allowance to noncurrent loans | 2,342.8571% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.0905% | 3,601 |
| Noncurrent loans to loans | 0.0698% | 3,839 |
| Net loans and leases to total assets | 58.0509% | 2,663 |
| Net loans and leases to deposits | 65.0555% | 2,895 |
| Net loans and leases to core deposits | 66.3629% | 3,087 |
| Total domestic deposits to total assets | 89.2328% | 1,172 |
| Equity capital to assets | 10.4433% | 2,445 |
| Core capital (leverage) ratio | 9.4292% | 2,980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7526% | 1,401 |
| Memoranda: | ||
| Average total assets | $489,006,000 | 1,738 |
| Average earning assets | $465,834,000 | 1,708 |
| Average equity | $50,333,667 | 1,763 |
| Average total loans | $294,294,333 | 1,767 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9002% | 4,255 |
| Cost of funding earning assets | 0.2345% | 3,608 |
| Net interest margin | 2.6656% | 4,031 |
| Noninterest income to average assets | 0.5167% | 2,536 |
| Noninterest expense to average assets | 1.6280% | 4,493 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0300% | 2,712 |
| Return on assets (ROA) | 1.0300% | 2,792 |
| Pretax return on assets | 1.4374% | 2,176 |
| Return on Equity (ROE) | 10.0815% | 2,665 |
| Retained earnings to average equity (ytd only) | 10.0815% | 1,626 |
| Net charge-offs to loans | -0.0027% | 3,199 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1083% | 3,896 |
| Assets per employee ($millions) | 8.1688% | 1,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5859% | 1,330 |
| Loan loss allowance to noncurrent loans | 2,846.1078% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.0823% | 3,791 |
| Noncurrent loans to loans | 0.0557% | 4,009 |
| Net loans and leases to total assets | 59.1912% | 2,647 |
| Net loans and leases to deposits | 66.4104% | 2,879 |
| Net loans and leases to core deposits | 67.8162% | 3,077 |
| Total domestic deposits to total assets | 89.1294% | 1,279 |
| Equity capital to assets | 10.1088% | 2,605 |
| Core capital (leverage) ratio | 9.4602% | 3,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $486,977,000 | 1,734 |
| Average earning assets | $465,629,500 | 1,698 |
| Average equity | $49,754,500 | 1,770 |
| Average total loans | $295,949,500 | 1,767 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7812% | 3,355 |
| Cost of funding earning assets | 0.3592% | 3,824 |
| Net interest margin | 3.4220% | 2,703 |
| Noninterest income to average assets | 0.5588% | 2,379 |
| Noninterest expense to average assets | 2.0756% | 3,983 |
| Loan and lease loss provision to assets | 0.1957% | 1,995 |
| Net operating income to assets | 1.1035% | 1,915 |
| Return on assets (ROA) | 1.1035% | 2,034 |
| Pretax return on assets | 1.5427% | 1,215 |
| Return on Equity (ROE) | 9.7708% | 2,082 |
| Retained earnings to average equity (ytd only) | 6.4725% | 1,601 |
| Net charge-offs to loans | -0.0041% | 4,084 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,381 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4199% | 4,166 |
| Assets per employee ($millions) | 7.7976% | 1,122 |
| Cash dividends to net income (ytd only)* | 33.7562% | 2,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6260% | 1,226 |
| Loan loss allowance to noncurrent loans | 1,877.8656% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.1186% | 3,698 |
| Noncurrent loans to loans | 0.0866% | 3,947 |
| Net loans and leases to total assets | 60.4316% | 2,802 |
| Net loans and leases to deposits | 67.5109% | 3,134 |
| Net loans and leases to core deposits | 69.0218% | 3,333 |
| Total domestic deposits to total assets | 89.5138% | 761 |
| Equity capital to assets | 10.3304% | 2,807 |
| Core capital (leverage) ratio | 9.3126% | 3,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8492% | 1,298 |
| Memoranda: | ||
| Average total assets | $421,464,200 | 1,795 |
| Average earning assets | $400,930,600 | 1,764 |
| Average equity | $47,601,200 | 1,770 |
| Average total loans | $271,524,800 | 1,820 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9096% | 3,224 |
| Cost of funding earning assets | 0.3838% | 3,901 |
| Net interest margin | 3.5258% | 2,502 |
| Noninterest income to average assets | 0.5530% | 2,377 |
| Noninterest expense to average assets | 2.1125% | 3,914 |
| Loan and lease loss provision to assets | 0.0655% | 3,520 |
| Net operating income to assets | 1.2358% | 1,533 |
| Return on assets (ROA) | 1.2358% | 1,651 |
| Pretax return on assets | 1.7229% | 920 |
| Return on Equity (ROE) | 10.6766% | 1,792 |
| Retained earnings to average equity (ytd only) | 8.1352% | 1,260 |
| Net charge-offs to loans | -0.0045% | 4,032 |
| Credit loss provision to net charge-offs | -2,222.2222% | 4,099 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1562% | 4,131 |
| Assets per employee ($millions) | 8.0161% | 989 |
| Cash dividends to net income (ytd only)* | 23.8032% | 2,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4210% | 1,646 |
| Loan loss allowance to noncurrent loans | 4,909.5238% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.0880% | 3,993 |
| Noncurrent loans to loans | 0.0289% | 4,288 |
| Net loans and leases to total assets | 63.7328% | 2,799 |
| Net loans and leases to deposits | 71.7593% | 3,152 |
| Net loans and leases to core deposits | 73.3120% | 3,372 |
| Total domestic deposits to total assets | 88.8147% | 856 |
| Equity capital to assets | 10.9093% | 2,471 |
| Core capital (leverage) ratio | 9.9885% | 2,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1952% | 1,210 |
| Memoranda: | ||
| Average total assets | $407,916,500 | 1,816 |
| Average earning assets | $387,311,750 | 1,786 |
| Average equity | $47,217,250 | 1,772 |
| Average total loans | $266,356,750 | 1,832 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9236% | 3,554 |
| Cost of funding earning assets | 0.4261% | 3,919 |
| Net interest margin | 3.4974% | 2,793 |
| Noninterest income to average assets | 0.4961% | 2,591 |
| Noninterest expense to average assets | 2.1757% | 3,863 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.1718% | 1,721 |
| Return on assets (ROA) | 1.1718% | 1,853 |
| Pretax return on assets | 1.6345% | 1,145 |
| Return on Equity (ROE) | 9.9073% | 2,013 |
| Retained earnings to average equity (ytd only) | 6.0473% | 2,060 |
| Net charge-offs to loans | -0.0054% | 4,038 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1029% | 3,800 |
| Assets per employee ($millions) | 6.9638% | 1,456 |
| Cash dividends to net income (ytd only)* | 38.9610% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3526% | 1,767 |
| Loan loss allowance to noncurrent loans | 1,307.3333% | 440 |
| Noncurrent assets plus other real estate owned to assets | 0.0695% | 4,178 |
| Noncurrent loans to loans | 0.1035% | 4,038 |
| Net loans and leases to total assets | 66.2507% | 2,593 |
| Net loans and leases to deposits | 74.9519% | 2,977 |
| Net loans and leases to core deposits | 76.5852% | 3,239 |
| Total domestic deposits to total assets | 88.3909% | 992 |
| Equity capital to assets | 11.0085% | 2,336 |
| Core capital (leverage) ratio | 10.1527% | 2,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8951% | 1,265 |
| Memoranda: | ||
| Average total assets | $394,255,000 | 1,835 |
| Average earning assets | $373,589,333 | 1,810 |
| Average equity | $46,632,333 | 1,777 |
| Average total loans | $258,402,000 | 1,854 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0515% | 3,647 |
| Cost of funding earning assets | 0.5050% | 3,920 |
| Net interest margin | 3.5465% | 2,827 |
| Noninterest income to average assets | 0.4549% | 2,764 |
| Noninterest expense to average assets | 2.2317% | 3,928 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1291% | 1,754 |
| Return on assets (ROA) | 1.1291% | 1,857 |
| Pretax return on assets | 1.5744% | 1,125 |
| Return on Equity (ROE) | 9.1808% | 2,036 |
| Retained earnings to average equity (ytd only) | 1.9054% | 3,479 |
| Net charge-offs to loans | -0.0049% | 3,864 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6342% | 3,920 |
| Assets per employee ($millions) | 6.0069% | 1,677 |
| Cash dividends to net income (ytd only)* | 79.2453% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5719% | 1,143 |
| Loan loss allowance to noncurrent loans | 1,301.6611% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.0808% | 4,206 |
| Noncurrent loans to loans | 0.1208% | 4,036 |
| Net loans and leases to total assets | 65.8732% | 2,830 |
| Net loans and leases to deposits | 75.4366% | 3,127 |
| Net loans and leases to core deposits | 77.4803% | 3,392 |
| Total domestic deposits to total assets | 87.3226% | 1,413 |
| Equity capital to assets | 12.4427% | 1,769 |
| Core capital (leverage) ratio | 11.0539% | 2,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5224% | 1,462 |
| Memoranda: | ||
| Average total assets | $375,504,000 | 1,871 |
| Average earning assets | $354,828,000 | 1,835 |
| Average equity | $46,183,500 | 1,785 |
| Average total loans | $242,621,000 | 1,911 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3577% | 3,373 |
| Cost of funding earning assets | 0.5658% | 3,798 |
| Net interest margin | 3.7919% | 2,524 |
| Noninterest income to average assets | 0.4743% | 2,883 |
| Noninterest expense to average assets | 2.2918% | 3,963 |
| Loan and lease loss provision to assets | 0.0055% | 3,898 |
| Net operating income to assets | 1.2834% | 1,757 |
| Return on assets (ROA) | 1.2834% | 1,835 |
| Pretax return on assets | 1.7529% | 1,064 |
| Return on Equity (ROE) | 10.3770% | 2,129 |
| Retained earnings to average equity (ytd only) | 6.1545% | 1,790 |
| Net charge-offs to loans | -0.0036% | 4,296 |
| Credit loss provision to net charge-offs | -222.2222% | 4,315 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5836% | 4,136 |
| Assets per employee ($millions) | 6.2063% | 1,479 |
| Cash dividends to net income (ytd only)* | 40.6911% | 2,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6589% | 869 |
| Loan loss allowance to noncurrent loans | 1,292.0792% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.0800% | 4,236 |
| Noncurrent loans to loans | 0.1284% | 4,003 |
| Net loans and leases to total assets | 61.3024% | 3,470 |
| Net loans and leases to deposits | 69.9080% | 3,681 |
| Net loans and leases to core deposits | 71.7687% | 3,871 |
| Total domestic deposits to total assets | 87.6901% | 1,279 |
| Equity capital to assets | 12.1577% | 2,039 |
| Core capital (leverage) ratio | 10.9941% | 2,505 |
| Tier 1 risk-based capital ratio | 16.0463% | 2,389 |
| Total risk-based capital ratio | 17.2998% | 2,334 |
| Memoranda: | ||
| Average total assets | $360,772,200 | 1,873 |
| Average earning assets | $340,224,400 | 1,846 |
| Average equity | $44,617,800 | 1,769 |
| Average total loans | $250,925,800 | 1,824 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3925% | 3,381 |
| Cost of funding earning assets | 0.5585% | 3,879 |
| Net interest margin | 3.8340% | 2,490 |
| Noninterest income to average assets | 0.4861% | 2,822 |
| Noninterest expense to average assets | 2.2474% | 4,081 |
| Loan and lease loss provision to assets | 0.0449% | 3,011 |
| Net operating income to assets | 1.2958% | 1,874 |
| Return on assets (ROA) | 1.2958% | 1,961 |
| Pretax return on assets | 1.8054% | 1,080 |
| Return on Equity (ROE) | 10.4307% | 2,240 |
| Retained earnings to average equity (ytd only) | 7.3916% | 1,672 |
| Net charge-offs to loans | -0.0037% | 4,141 |
| Credit loss provision to net charge-offs | -1,714.2857% | 4,510 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8443% | 4,297 |
| Assets per employee ($millions) | 5.8233% | 1,739 |
| Cash dividends to net income (ytd only)* | 29.1366% | 2,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6142% | 971 |
| Loan loss allowance to noncurrent loans | 1,631.3008% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.0681% | 4,376 |
| Noncurrent loans to loans | 0.0990% | 4,204 |
| Net loans and leases to total assets | 67.7460% | 2,823 |
| Net loans and leases to deposits | 77.7487% | 3,123 |
| Net loans and leases to core deposits | 79.6578% | 3,416 |
| Total domestic deposits to total assets | 87.1346% | 1,456 |
| Equity capital to assets | 12.6646% | 1,802 |
| Core capital (leverage) ratio | 11.4430% | 2,263 |
| Tier 1 risk-based capital ratio | 15.5202% | 2,635 |
| Total risk-based capital ratio | 16.7738% | 2,571 |
| Memoranda: | ||
| Average total assets | $356,319,750 | 1,901 |
| Average earning assets | $335,657,000 | 1,875 |
| Average equity | $44,265,500 | 1,790 |
| Average total loans | $254,658,500 | 1,816 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3661% | 3,434 |
| Cost of funding earning assets | 0.5468% | 3,894 |
| Net interest margin | 3.8193% | 2,522 |
| Noninterest income to average assets | 0.4386% | 3,019 |
| Noninterest expense to average assets | 2.1706% | 4,299 |
| Loan and lease loss provision to assets | 0.0677% | 2,463 |
| Net operating income to assets | 1.2871% | 1,824 |
| Return on assets (ROA) | 1.2871% | 1,884 |
| Pretax return on assets | 1.7957% | 1,042 |
| Return on Equity (ROE) | 10.4297% | 2,207 |
| Retained earnings to average equity (ytd only) | 5.8201% | 2,360 |
| Net charge-offs to loans | -0.0031% | 4,035 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8085% | 4,492 |
| Assets per employee ($millions) | 5.4912% | 1,979 |
| Cash dividends to net income (ytd only)* | 44.1962% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5702% | 1,096 |
| Loan loss allowance to noncurrent loans | 1,427.0463% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.0800% | 4,361 |
| Noncurrent loans to loans | 0.1100% | 4,183 |
| Net loans and leases to total assets | 71.5262% | 2,281 |
| Net loans and leases to deposits | 82.0777% | 2,724 |
| Net loans and leases to core deposits | 83.9121% | 3,114 |
| Total domestic deposits to total assets | 87.1444% | 1,519 |
| Equity capital to assets | 12.6729% | 1,760 |
| Core capital (leverage) ratio | 11.3300% | 2,309 |
| Tier 1 risk-based capital ratio | 14.7212% | 2,951 |
| Total risk-based capital ratio | 15.9743% | 2,881 |
| Memoranda: | ||
| Average total assets | $354,744,000 | 1,913 |
| Average earning assets | $333,939,000 | 1,893 |
| Average equity | $43,779,000 | 1,803 |
| Average total loans | $256,675,330 | 1,814 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3079% | 3,531 |
| Cost of funding earning assets | 0.5520% | 3,815 |
| Net interest margin | 3.7558% | 2,683 |
| Noninterest income to average assets | 0.3962% | 3,205 |
| Noninterest expense to average assets | 1.9517% | 4,729 |
| Loan and lease loss provision to assets | 0.0673% | 2,325 |
| Net operating income to assets | 1.3704% | 1,455 |
| Return on assets (ROA) | 1.3704% | 1,496 |
| Pretax return on assets | 1.9125% | 774 |
| Return on Equity (ROE) | 11.2535% | 1,842 |
| Retained earnings to average equity (ytd only) | 6.1843% | 2,376 |
| Net charge-offs to loans | -0.0047% | 4,005 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,063 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6432% | 4,857 |
| Assets per employee ($millions) | 5.6766% | 1,816 |
| Cash dividends to net income (ytd only)* | 45.0450% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5418% | 1,203 |
| Loan loss allowance to noncurrent loans | 1,385.2632% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.0810% | 4,397 |
| Noncurrent loans to loans | 0.1113% | 4,233 |
| Net loans and leases to total assets | 71.6345% | 2,224 |
| Net loans and leases to deposits | 82.0325% | 2,607 |
| Net loans and leases to core deposits | 83.7977% | 3,039 |
| Total domestic deposits to total assets | 87.3246% | 1,654 |
| Equity capital to assets | 12.4484% | 1,769 |
| Core capital (leverage) ratio | 10.9354% | 2,628 |
| Tier 1 risk-based capital ratio | 14.5117% | 3,097 |
| Total risk-based capital ratio | 15.7644% | 3,022 |
| Memoranda: | ||
| Average total assets | $356,398,500 | 1,927 |
| Average earning assets | $335,478,000 | 1,898 |
| Average equity | $43,400,000 | 1,803 |
| Average total loans | $257,324,000 | 1,823 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1374% | 3,628 |
| Cost of funding earning assets | 0.3798% | 4,108 |
| Net interest margin | 3.7576% | 2,836 |
| Noninterest income to average assets | 0.4423% | 3,153 |
| Noninterest expense to average assets | 2.1214% | 4,514 |
| Loan and lease loss provision to assets | 0.1554% | 1,348 |
| Net operating income to assets | 1.2238% | 2,069 |
| Return on assets (ROA) | 1.2238% | 2,062 |
| Pretax return on assets | 1.7000% | 1,170 |
| Return on Equity (ROE) | 10.3763% | 2,357 |
| Retained earnings to average equity (ytd only) | 6.5421% | 1,903 |
| Net charge-offs to loans | -0.0087% | 4,459 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,863 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3438% | 4,676 |
| Assets per employee ($millions) | 5.8201% | 1,656 |
| Cash dividends to net income (ytd only)* | 36.9515% | 2,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5028% | 1,279 |
| Loan loss allowance to noncurrent loans | 1,382.9181% | 493 |
| Noncurrent assets plus other real estate owned to assets | 0.0779% | 4,431 |
| Noncurrent loans to loans | 0.1087% | 4,242 |
| Net loans and leases to total assets | 70.5829% | 2,489 |
| Net loans and leases to deposits | 80.2812% | 2,924 |
| Net loans and leases to core deposits | 82.0219% | 3,259 |
| Total domestic deposits to total assets | 87.9196% | 1,336 |
| Equity capital to assets | 11.9130% | 1,961 |
| Core capital (leverage) ratio | 10.7115% | 2,827 |
| Tier 1 risk-based capital ratio | 14.2772% | 3,173 |
| Total risk-based capital ratio | 15.5298% | 3,094 |
| Memoranda: | ||
| Average total assets | $353,821,200 | 1,908 |
| Average earning assets | $332,821,400 | 1,876 |
| Average equity | $41,729,800 | 1,792 |
| Average total loans | $251,827,000 | 1,813 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0765% | 3,715 |
| Cost of funding earning assets | 0.3536% | 4,158 |
| Net interest margin | 3.7230% | 2,928 |
| Noninterest income to average assets | 0.4495% | 3,175 |
| Noninterest expense to average assets | 1.9913% | 4,761 |
| Loan and lease loss provision to assets | 0.0985% | 2,021 |
| Net operating income to assets | 1.3342% | 1,725 |
| Return on assets (ROA) | 1.3342% | 1,734 |
| Pretax return on assets | 1.8610% | 879 |
| Return on Equity (ROE) | 11.3418% | 2,036 |
| Retained earnings to average equity (ytd only) | 8.4444% | 1,451 |
| Net charge-offs to loans | -0.0101% | 4,407 |
| Credit loss provision to net charge-offs | -1,368.4211% | 4,684 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4026% | 4,921 |
| Assets per employee ($millions) | 5.6509% | 1,776 |
| Cash dividends to net income (ytd only)* | 25.5464% | 2,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4168% | 1,636 |
| Loan loss allowance to noncurrent loans | 1,256.2937% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.0816% | 4,563 |
| Noncurrent loans to loans | 0.1128% | 4,387 |
| Net loans and leases to total assets | 71.3601% | 2,433 |
| Net loans and leases to deposits | 81.3834% | 2,882 |
| Net loans and leases to core deposits | 83.1235% | 3,237 |
| Total domestic deposits to total assets | 87.6839% | 1,403 |
| Equity capital to assets | 12.2028% | 1,769 |
| Core capital (leverage) ratio | 10.8409% | 2,746 |
| Tier 1 risk-based capital ratio | 14.3426% | 3,192 |
| Total risk-based capital ratio | 15.5929% | 3,105 |
| Memoranda: | ||
| Average total assets | $352,064,500 | 1,924 |
| Average earning assets | $331,089,500 | 1,895 |
| Average equity | $41,415,250 | 1,809 |
| Average total loans | $250,138,000 | 1,826 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9842% | 3,829 |
| Cost of funding earning assets | 0.3287% | 4,212 |
| Net interest margin | 3.6555% | 3,093 |
| Noninterest income to average assets | 0.4356% | 3,251 |
| Noninterest expense to average assets | 1.8557% | 5,023 |
| Loan and lease loss provision to assets | 0.1475% | 1,290 |
| Net operating income to assets | 1.3408% | 1,633 |
| Return on assets (ROA) | 1.3408% | 1,641 |
| Pretax return on assets | 1.8699% | 836 |
| Return on Equity (ROE) | 11.5403% | 1,892 |
| Retained earnings to average equity (ytd only) | 7.1468% | 2,003 |
| Net charge-offs to loans | -0.0137% | 4,427 |
| Credit loss provision to net charge-offs | -1,529.4118% | 4,602 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9133% | 5,123 |
| Assets per employee ($millions) | 5.3821% | 2,005 |
| Cash dividends to net income (ytd only)* | 38.0711% | 2,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4337% | 1,623 |
| Loan loss allowance to noncurrent loans | 760.8051% | 771 |
| Noncurrent assets plus other real estate owned to assets | 0.1349% | 4,324 |
| Noncurrent loans to loans | 0.1884% | 4,064 |
| Net loans and leases to total assets | 70.5711% | 2,491 |
| Net loans and leases to deposits | 80.2055% | 2,924 |
| Net loans and leases to core deposits | 81.2875% | 3,298 |
| Total domestic deposits to total assets | 87.9878% | 1,389 |
| Equity capital to assets | 11.9033% | 1,922 |
| Core capital (leverage) ratio | 10.6598% | 2,853 |
| Tier 1 risk-based capital ratio | 13.8192% | 3,454 |
| Total risk-based capital ratio | 15.0711% | 3,362 |
| Memoranda: | ||
| Average total assets | $352,634,670 | 1,926 |
| Average earning assets | $331,606,000 | 1,900 |
| Average equity | $40,969,330 | 1,826 |
| Average total loans | $248,982,000 | 1,840 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8904% | 3,956 |
| Cost of funding earning assets | 0.3386% | 4,075 |
| Net interest margin | 3.5518% | 3,337 |
| Noninterest income to average assets | 0.3672% | 3,683 |
| Noninterest expense to average assets | 1.5592% | 5,349 |
| Loan and lease loss provision to assets | 0.2938% | 447 |
| Net operating income to assets | 1.3309% | 1,538 |
| Return on assets (ROA) | 1.3309% | 1,551 |
| Pretax return on assets | 1.8563% | 806 |
| Return on Equity (ROE) | 11.5965% | 1,725 |
| Retained earnings to average equity (ytd only) | 7.1666% | 2,200 |
| Net charge-offs to loans | -0.0209% | 4,584 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0347% | 5,398 |
| Assets per employee ($millions) | 5.6004% | 1,848 |
| Cash dividends to net income (ytd only)* | 38.2003% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4510% | 1,651 |
| Loan loss allowance to noncurrent loans | 753.5714% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.1371% | 4,403 |
| Noncurrent loans to loans | 0.1925% | 4,100 |
| Net loans and leases to total assets | 70.1630% | 2,457 |
| Net loans and leases to deposits | 79.7155% | 2,842 |
| Net loans and leases to core deposits | 82.0844% | 3,135 |
| Total domestic deposits to total assets | 88.0168% | 1,609 |
| Equity capital to assets | 11.7903% | 1,922 |
| Core capital (leverage) ratio | 10.3312% | 3,146 |
| Tier 1 risk-based capital ratio | 14.4287% | 3,155 |
| Total risk-based capital ratio | 15.6811% | 3,068 |
| Memoranda: | ||
| Average total assets | $354,034,000 | 1,927 |
| Average earning assets | $333,126,500 | 1,908 |
| Average equity | $40,633,000 | 1,845 |
| Average total loans | $248,236,000 | 1,865 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8095% | 4,015 |
| Cost of funding earning assets | 0.2782% | 4,335 |
| Net interest margin | 3.5313% | 3,423 |
| Noninterest income to average assets | 0.5064% | 2,960 |
| Noninterest expense to average assets | 2.1901% | 4,548 |
| Loan and lease loss provision to assets | 0.0270% | 3,747 |
| Net operating income to assets | 0.9850% | 2,308 |
| Return on assets (ROA) | 0.9850% | 2,342 |
| Pretax return on assets | 1.6008% | 1,287 |
| Return on Equity (ROE) | 8.9972% | 2,321 |
| Retained earnings to average equity (ytd only) | 4.9403% | 2,161 |
| Net charge-offs to loans | -0.0004% | 4,472 |
| Credit loss provision to net charge-offs | -9,800.0000% | 5,267 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3645% | 4,608 |
| Assets per employee ($millions) | 5.8200% | 1,639 |
| Cash dividends to net income (ytd only)* | 45.0909% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3295% | 2,075 |
| Loan loss allowance to noncurrent loans | 415.2882% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 0.2212% | 4,034 |
| Noncurrent loans to loans | 0.3201% | 3,625 |
| Net loans and leases to total assets | 68.1591% | 2,799 |
| Net loans and leases to deposits | 76.9148% | 3,240 |
| Net loans and leases to core deposits | 79.3617% | 3,465 |
| Total domestic deposits to total assets | 88.6163% | 1,185 |
| Equity capital to assets | 11.1758% | 2,455 |
| Core capital (leverage) ratio | 10.0229% | 3,428 |
| Tier 1 risk-based capital ratio | 14.0374% | 3,343 |
| Total risk-based capital ratio | 15.2880% | 3,246 |
| Memoranda: | ||
| Average total assets | $362,943,400 | 1,855 |
| Average earning assets | $340,355,400 | 1,841 |
| Average equity | $39,734,400 | 1,868 |
| Average total loans | $245,115,000 | 1,849 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7798% | 4,070 |
| Cost of funding earning assets | 0.2655% | 4,439 |
| Net interest margin | 3.5143% | 3,452 |
| Noninterest income to average assets | 0.4006% | 3,679 |
| Noninterest expense to average assets | 2.0352% | 4,885 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0036% | 2,537 |
| Return on assets (ROA) | 1.0036% | 2,582 |
| Pretax return on assets | 1.6573% | 1,226 |
| Return on Equity (ROE) | 9.2151% | 2,491 |
| Retained earnings to average equity (ytd only) | 5.4967% | 2,542 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1162% | 4,836 |
| Assets per employee ($millions) | 6.5150% | 1,170 |
| Cash dividends to net income (ytd only)* | 40.3508% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2742% | 2,493 |
| Loan loss allowance to noncurrent loans | 598.6965% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.1526% | 4,507 |
| Noncurrent loans to loans | 0.2128% | 4,215 |
| Net loans and leases to total assets | 70.8043% | 2,442 |
| Net loans and leases to deposits | 80.1230% | 2,965 |
| Net loans and leases to core deposits | 83.0198% | 3,210 |
| Total domestic deposits to total assets | 88.3695% | 1,186 |
| Equity capital to assets | 11.4812% | 2,398 |
| Core capital (leverage) ratio | 11.9987% | 1,688 |
| Tier 1 risk-based capital ratio | 14.1308% | 3,390 |
| Total risk-based capital ratio | 15.3811% | 3,291 |
| Memoranda: | ||
| Average total assets | $363,469,000 | 1,867 |
| Average earning assets | $340,470,750 | 1,853 |
| Average equity | $39,586,250 | 1,891 |
| Average total loans | $244,078,750 | 1,863 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1190% | 2,768 |
| Cost of funding earning assets | 0.2940% | 4,139 |
| Net interest margin | 3.8251% | 2,193 |
| Noninterest income to average assets | 0.5007% | 3,022 |
| Noninterest expense to average assets | 2.3138% | 4,307 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1077% | 1,938 |
| Return on assets (ROA) | 1.1077% | 1,989 |
| Pretax return on assets | 1.8004% | 837 |
| Return on Equity (ROE) | 11.2238% | 1,560 |
| Retained earnings to average equity (ytd only) | 7.3244% | 1,441 |
| Net charge-offs to loans | 0.0010% | 3,489 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 2,269.0000% | 19 |
| Efficiency ratio | 56.2392% | 4,802 |
| Assets per employee ($millions) | 4.8802% | 2,540 |
| Cash dividends to net income (ytd only)* | 34.7421% | 2,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5462% | 1,409 |
| Loan loss allowance to noncurrent loans | 1,474.3119% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.0912% | 4,824 |
| Noncurrent loans to loans | 0.1049% | 4,710 |
| Net loans and leases to total assets | 85.5827% | 303 |
| Net loans and leases to deposits | 95.8665% | 1,092 |
| Net loans and leases to core deposits | 100.3181% | 1,629 |
| Total domestic deposits to total assets | 89.2727% | 818 |
| Equity capital to assets | 10.5914% | 3,239 |
| Core capital (leverage) ratio | 10.1384% | 3,352 |
| Tier 1 risk-based capital ratio | 11.8086% | 4,755 |
| Total risk-based capital ratio | 13.0618% | 4,642 |
| Memoranda: | ||
| Average total assets | $252,054,330 | 2,502 |
| Average earning assets | $238,114,000 | 2,467 |
| Average equity | $24,875,670 | 2,713 |
| Average total loans | $202,779,670 | 2,145 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0229% | 2,951 |
| Cost of funding earning assets | 0.2961% | 4,088 |
| Net interest margin | 3.7268% | 2,390 |
| Noninterest income to average assets | 0.5292% | 2,769 |
| Noninterest expense to average assets | 2.2281% | 4,577 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1063% | 1,841 |
| Return on assets (ROA) | 1.1063% | 1,881 |
| Pretax return on assets | 1.8258% | 747 |
| Return on Equity (ROE) | 11.6024% | 1,369 |
| Retained earnings to average equity (ytd only) | 7.8702% | 1,514 |
| Net charge-offs to loans | 0.0080% | 2,696 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 295.0000% | 203 |
| Efficiency ratio | 54.9618% | 5,045 |
| Assets per employee ($millions) | 5.0895% | 2,322 |
| Cash dividends to net income (ytd only)* | 32.1678% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6280% | 1,313 |
| Loan loss allowance to noncurrent loans | 1,155.0360% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.1423% | 4,694 |
| Noncurrent loans to loans | 0.1410% | 4,626 |
| Net loans and leases to total assets | 76.2436% | 1,375 |
| Net loans and leases to deposits | 84.7597% | 2,188 |
| Net loans and leases to core deposits | 89.2297% | 2,430 |
| Total domestic deposits to total assets | 89.9526% | 682 |
| Equity capital to assets | 9.7817% | 3,995 |
| Core capital (leverage) ratio | 9.7786% | 3,779 |
| Tier 1 risk-based capital ratio | 12.1977% | 4,583 |
| Total risk-based capital ratio | 13.4517% | 4,479 |
| Memoranda: | ||
| Average total assets | $258,517,000 | 2,474 |
| Average earning assets | $244,501,000 | 2,440 |
| Average equity | $24,650,000 | 2,739 |
| Average total loans | $200,236,000 | 2,183 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0054% | 3,179 |
| Cost of funding earning assets | 0.2882% | 4,186 |
| Net interest margin | 3.7172% | 2,616 |
| Noninterest income to average assets | 0.5484% | 2,925 |
| Noninterest expense to average assets | 2.2372% | 4,683 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1364% | 1,743 |
| Return on assets (ROA) | 1.1364% | 1,837 |
| Pretax return on assets | 1.8246% | 748 |
| Return on Equity (ROE) | 9.6870% | 2,113 |
| Retained earnings to average equity (ytd only) | -17.5524% | 5,845 |
| Net charge-offs to loans | -0.0109% | 4,958 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0792% | 5,142 |
| Assets per employee ($millions) | 5.5864% | 1,796 |
| Cash dividends to net income (ytd only)* | 281.1951% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5819% | 1,417 |
| Loan loss allowance to noncurrent loans | 1,448.1982% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.1215% | 4,829 |
| Noncurrent loans to loans | 0.1092% | 4,791 |
| Net loans and leases to total assets | 76.1829% | 1,485 |
| Net loans and leases to deposits | 84.1215% | 2,398 |
| Net loans and leases to core deposits | 88.4914% | 2,630 |
| Total domestic deposits to total assets | 90.5629% | 429 |
| Equity capital to assets | 9.2962% | 4,478 |
| Core capital (leverage) ratio | 9.2305% | 4,436 |
| Tier 1 risk-based capital ratio | 11.5795% | 4,999 |
| Total risk-based capital ratio | 12.8329% | 4,907 |
| Memoranda: | ||
| Average total assets | $250,361,400 | 2,505 |
| Average earning assets | $236,628,400 | 2,463 |
| Average equity | $29,369,200 | 2,411 |
| Average total loans | $202,488,600 | 2,102 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0626% | 2,997 |
| Cost of funding earning assets | 0.2865% | 4,234 |
| Net interest margin | 3.7761% | 2,424 |
| Noninterest income to average assets | 0.5655% | 2,845 |
| Noninterest expense to average assets | 2.2783% | 4,585 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1289% | 1,880 |
| Return on assets (ROA) | 1.1289% | 1,996 |
| Pretax return on assets | 1.8540% | 793 |
| Return on Equity (ROE) | 9.1211% | 2,436 |
| Retained earnings to average equity (ytd only) | 9.1211% | 784 |
| Net charge-offs to loans | -0.0119% | 4,836 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1337% | 5,143 |
| Assets per employee ($millions) | 4.8661% | 2,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5983% | 1,477 |
| Loan loss allowance to noncurrent loans | 1,433.4821% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.1245% | 4,926 |
| Noncurrent loans to loans | 0.1115% | 4,891 |
| Net loans and leases to total assets | 76.6512% | 1,414 |
| Net loans and leases to deposits | 87.6065% | 2,069 |
| Net loans and leases to core deposits | 92.1243% | 2,364 |
| Total domestic deposits to total assets | 87.4949% | 1,667 |
| Equity capital to assets | 12.2806% | 1,911 |
| Core capital (leverage) ratio | 12.2019% | 1,546 |
| Tier 1 risk-based capital ratio | 15.1590% | 2,970 |
| Total risk-based capital ratio | 16.4123% | 2,906 |
| Memoranda: | ||
| Average total assets | $247,312,000 | 2,539 |
| Average earning assets | $233,605,000 | 2,493 |
| Average equity | $30,609,500 | 2,322 |
| Average total loans | $202,300,750 | 2,105 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1082% | 2,826 |
| Cost of funding earning assets | 0.2861% | 4,285 |
| Net interest margin | 3.8221% | 2,231 |
| Noninterest income to average assets | 0.5087% | 3,134 |
| Noninterest expense to average assets | 2.2865% | 4,643 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1133% | 1,913 |
| Return on assets (ROA) | 1.1133% | 2,028 |
| Pretax return on assets | 1.8287% | 824 |
| Return on Equity (ROE) | 8.9703% | 2,504 |
| Retained earnings to average equity (ytd only) | 8.9703% | 856 |
| Net charge-offs to loans | -0.0148% | 4,834 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5622% | 5,191 |
| Assets per employee ($millions) | 4.7536% | 2,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5666% | 1,627 |
| Loan loss allowance to noncurrent loans | 1,419.4690% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.1282% | 4,991 |
| Noncurrent loans to loans | 0.1104% | 5,005 |
| Net loans and leases to total assets | 80.0057% | 899 |
| Net loans and leases to deposits | 91.4564% | 1,580 |
| Net loans and leases to core deposits | 96.3049% | 1,951 |
| Total domestic deposits to total assets | 87.4797% | 1,676 |
| Equity capital to assets | 12.2786% | 1,920 |
| Core capital (leverage) ratio | 12.6619% | 1,277 |
| Tier 1 risk-based capital ratio | 14.5940% | 3,262 |
| Total risk-based capital ratio | 15.8475% | 3,197 |
| Memoranda: | ||
| Average total assets | $243,782,000 | 2,581 |
| Average earning assets | $230,029,000 | 2,538 |
| Average equity | $30,255,330 | 2,348 |
| Average total loans | $202,769,000 | 2,111 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1815% | 2,545 |
| Cost of funding earning assets | 0.2973% | 4,190 |
| Net interest margin | 3.8842% | 1,983 |
| Noninterest income to average assets | 0.4672% | 3,356 |
| Noninterest expense to average assets | 2.2628% | 4,755 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1364% | 1,762 |
| Return on assets (ROA) | 1.1364% | 1,879 |
| Pretax return on assets | 1.8673% | 740 |
| Return on Equity (ROE) | 9.1056% | 2,375 |
| Retained earnings to average equity (ytd only) | 9.1056% | 1,084 |
| Net charge-offs to loans | -0.0119% | 4,603 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7879% | 5,304 |
| Assets per employee ($millions) | 4.6737% | 2,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5885% | 1,638 |
| Loan loss allowance to noncurrent loans | 1,084.4068% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.1677% | 4,895 |
| Noncurrent loans to loans | 0.1465% | 4,889 |
| Net loans and leases to total assets | 84.8107% | 306 |
| Net loans and leases to deposits | 97.8455% | 769 |
| Net loans and leases to core deposits | 103.8296% | 1,199 |
| Total domestic deposits to total assets | 86.6782% | 2,369 |
| Equity capital to assets | 12.9469% | 1,433 |
| Core capital (leverage) ratio | 12.3859% | 1,385 |
| Tier 1 risk-based capital ratio | 14.5011% | 3,396 |
| Total risk-based capital ratio | 15.7546% | 3,328 |
| Memoranda: | ||
| Average total assets | $239,702,000 | 2,619 |
| Average earning assets | $226,045,000 | 2,578 |
| Average equity | $29,915,500 | 2,374 |
| Average total loans | $201,765,500 | 2,123 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1641% | 2,692 |
| Cost of funding earning assets | 0.2896% | 4,374 |
| Net interest margin | 3.8745% | 2,113 |
| Noninterest income to average assets | 0.5619% | 2,955 |
| Noninterest expense to average assets | 2.3347% | 4,695 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1762% | 1,645 |
| Return on assets (ROA) | 1.1762% | 1,724 |
| Pretax return on assets | 1.8966% | 660 |
| Return on Equity (ROE) | 9.6436% | 2,158 |
| Retained earnings to average equity (ytd only) | 5.7449% | 1,931 |
| Net charge-offs to loans | -0.0031% | 4,912 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1779% | 5,423 |
| Assets per employee ($millions) | 5.0147% | 2,351 |
| Cash dividends to net income (ytd only)* | 40.4278% | 2,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5796% | 1,681 |
| Loan loss allowance to noncurrent loans | 1,388.2609% | 450 |
| Noncurrent assets plus other real estate owned to assets | 0.2080% | 4,766 |
| Noncurrent loans to loans | 0.1138% | 5,045 |
| Net loans and leases to total assets | 80.9661% | 719 |
| Net loans and leases to deposits | 92.2495% | 1,375 |
| Net loans and leases to core deposits | 100.7260% | 1,460 |
| Total domestic deposits to total assets | 87.7685% | 1,763 |
| Equity capital to assets | 12.0365% | 1,929 |
| Core capital (leverage) ratio | 11.9808% | 1,630 |
| Tier 1 risk-based capital ratio | 14.3003% | 3,547 |
| Total risk-based capital ratio | 15.5538% | 3,462 |
| Memoranda: | ||
| Average total assets | $238,485,200 | 2,591 |
| Average earning assets | $225,861,000 | 2,540 |
| Average equity | $29,086,600 | 2,387 |
| Average total loans | $194,734,000 | 2,125 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1401% | 2,779 |
| Cost of funding earning assets | 0.2907% | 4,446 |
| Net interest margin | 3.8493% | 2,191 |
| Noninterest income to average assets | 0.5679% | 2,931 |
| Noninterest expense to average assets | 2.1942% | 5,068 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2292% | 1,558 |
| Return on assets (ROA) | 1.2292% | 1,613 |
| Pretax return on assets | 2.0207% | 577 |
| Return on Equity (ROE) | 10.0443% | 2,086 |
| Retained earnings to average equity (ytd only) | 9.4689% | 745 |
| Net charge-offs to loans | -0.0041% | 4,802 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0583% | 5,651 |
| Assets per employee ($millions) | 4.8040% | 2,556 |
| Cash dividends to net income (ytd only)* | 5.7286% | 3,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6247% | 1,695 |
| Loan loss allowance to noncurrent loans | 603.5917% | 870 |
| Noncurrent assets plus other real estate owned to assets | 0.3441% | 4,399 |
| Noncurrent loans to loans | 0.2692% | 4,616 |
| Net loans and leases to total assets | 82.1300% | 566 |
| Net loans and leases to deposits | 94.3985% | 1,155 |
| Net loans and leases to core deposits | 102.4808% | 1,341 |
| Total domestic deposits to total assets | 87.0035% | 2,037 |
| Equity capital to assets | 12.7288% | 1,599 |
| Core capital (leverage) ratio | 12.4047% | 1,462 |
| Tier 1 risk-based capital ratio | 14.7642% | 3,408 |
| Total risk-based capital ratio | 16.0184% | 3,358 |
| Memoranda: | ||
| Average total assets | $236,676,750 | 2,619 |
| Average earning assets | $224,241,750 | 2,573 |
| Average equity | $28,964,250 | 2,407 |
| Average total loans | $192,882,000 | 2,151 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1284% | 2,791 |
| Cost of funding earning assets | 0.2901% | 4,506 |
| Net interest margin | 3.8384% | 2,179 |
| Noninterest income to average assets | 0.5795% | 2,861 |
| Noninterest expense to average assets | 2.1518% | 5,220 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2568% | 1,438 |
| Return on assets (ROA) | 1.2568% | 1,492 |
| Pretax return on assets | 2.0666% | 520 |
| Return on Equity (ROE) | 10.4082% | 1,889 |
| Retained earnings to average equity (ytd only) | 10.4082% | 601 |
| Net charge-offs to loans | -0.0031% | 4,652 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0098% | 5,801 |
| Assets per employee ($millions) | 4.7468% | 2,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6595% | 1,715 |
| Loan loss allowance to noncurrent loans | 480.4217% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.3508% | 4,485 |
| Noncurrent loans to loans | 0.3454% | 4,453 |
| Net loans and leases to total assets | 81.2747% | 638 |
| Net loans and leases to deposits | 93.3351% | 1,216 |
| Net loans and leases to core deposits | 101.2588% | 1,381 |
| Total domestic deposits to total assets | 87.0783% | 2,122 |
| Equity capital to assets | 12.6392% | 1,582 |
| Core capital (leverage) ratio | 12.3592% | 1,454 |
| Tier 1 risk-based capital ratio | 14.7847% | 3,483 |
| Total risk-based capital ratio | 16.0389% | 3,411 |
| Memoranda: | ||
| Average total assets | $237,104,000 | 2,639 |
| Average earning assets | $224,783,330 | 2,585 |
| Average equity | $28,631,330 | 2,442 |
| Average total loans | $191,668,330 | 2,168 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0145% | 3,181 |
| Cost of funding earning assets | 0.2976% | 4,468 |
| Net interest margin | 3.7169% | 2,566 |
| Noninterest income to average assets | 0.4980% | 3,298 |
| Noninterest expense to average assets | 2.1374% | 5,307 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1481% | 1,712 |
| Return on assets (ROA) | 1.1481% | 1,817 |
| Pretax return on assets | 1.8884% | 732 |
| Return on Equity (ROE) | 9.7281% | 2,122 |
| Retained earnings to average equity (ytd only) | 9.7281% | 987 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0926% | 5,743 |
| Assets per employee ($millions) | 4.8841% | 2,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6519% | 1,875 |
| Loan loss allowance to noncurrent loans | 474.9627% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 0.3737% | 4,521 |
| Noncurrent loans to loans | 0.3478% | 4,547 |
| Net loans and leases to total assets | 80.9359% | 580 |
| Net loans and leases to deposits | 92.5955% | 1,124 |
| Net loans and leases to core deposits | 100.4835% | 1,287 |
| Total domestic deposits to total assets | 87.4080% | 2,162 |
| Equity capital to assets | 12.1961% | 1,896 |
| Core capital (leverage) ratio | 11.8980% | 1,702 |
| Tier 1 risk-based capital ratio | 14.3999% | 3,775 |
| Total risk-based capital ratio | 15.6540% | 3,696 |
| Memoranda: | ||
| Average total assets | $239,359,000 | 2,639 |
| Average earning assets | $227,179,000 | 2,581 |
| Average equity | $28,248,000 | 2,486 |
| Average total loans | $191,387,500 | 2,171 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1141% | 3,277 |
| Cost of funding earning assets | 0.3003% | 4,797 |
| Net interest margin | 3.8137% | 2,575 |
| Noninterest income to average assets | 0.5442% | 3,208 |
| Noninterest expense to average assets | 2.1995% | 5,360 |
| Loan and lease loss provision to assets | 0.0302% | 4,004 |
| Net operating income to assets | 1.1551% | 1,748 |
| Return on assets (ROA) | 1.1551% | 1,817 |
| Pretax return on assets | 1.9255% | 600 |
| Return on Equity (ROE) | 9.8500% | 2,179 |
| Retained earnings to average equity (ytd only) | 6.7271% | 1,532 |
| Net charge-offs to loans | 0.0028% | 4,909 |
| Credit loss provision to net charge-offs | 1,400.0000% | 200 |
| Earnings coverage of net charge-offs (x) | 907.8000% | 49 |
| Efficiency ratio | 52.9345% | 5,919 |
| Assets per employee ($millions) | 5.0892% | 2,212 |
| Cash dividends to net income (ytd only)* | 31.7046% | 3,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6787% | 1,825 |
| Loan loss allowance to noncurrent loans | 586.9245% | 939 |
| Noncurrent assets plus other real estate owned to assets | 0.3062% | 4,808 |
| Noncurrent loans to loans | 0.2860% | 4,826 |
| Net loans and leases to total assets | 76.4110% | 1,205 |
| Net loans and leases to deposits | 86.4370% | 1,920 |
| Net loans and leases to core deposits | 93.0272% | 1,989 |
| Total domestic deposits to total assets | 88.4007% | 1,566 |
| Equity capital to assets | 11.4228% | 2,496 |
| Core capital (leverage) ratio | 11.6042% | 1,895 |
| Tier 1 risk-based capital ratio | 15.5219% | 3,221 |
| Total risk-based capital ratio | 16.7783% | 3,149 |
| Memoranda: | ||
| Average total assets | $232,097,200 | 2,676 |
| Average earning assets | $219,757,800 | 2,627 |
| Average equity | $27,218,400 | 2,471 |
| Average total loans | $179,636,600 | 2,229 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1267% | 3,266 |
| Cost of funding earning assets | 0.3023% | 4,869 |
| Net interest margin | 3.8244% | 2,528 |
| Noninterest income to average assets | 0.5693% | 3,072 |
| Noninterest expense to average assets | 2.2062% | 5,337 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1770% | 1,768 |
| Return on assets (ROA) | 1.1770% | 1,837 |
| Pretax return on assets | 1.9791% | 596 |
| Return on Equity (ROE) | 9.9676% | 2,235 |
| Retained earnings to average equity (ytd only) | 9.9676% | 719 |
| Net charge-offs to loans | 0.0053% | 4,513 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 485.8757% | 157 |
| Efficiency ratio | 52.7121% | 5,945 |
| Assets per employee ($millions) | 4.7665% | 2,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6776% | 2,044 |
| Loan loss allowance to noncurrent loans | 570.5128% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.3711% | 4,809 |
| Noncurrent loans to loans | 0.2940% | 5,024 |
| Net loans and leases to total assets | 79.7982% | 739 |
| Net loans and leases to deposits | 91.3129% | 1,295 |
| Net loans and leases to core deposits | 95.0817% | 1,751 |
| Total domestic deposits to total assets | 87.3899% | 2,097 |
| Equity capital to assets | 12.2801% | 1,847 |
| Core capital (leverage) ratio | 12.0818% | 1,650 |
| Tier 1 risk-based capital ratio | 15.8228% | 3,146 |
| Total risk-based capital ratio | 17.0790% | 3,084 |
| Memoranda: | ||
| Average total assets | $229,050,750 | 2,726 |
| Average earning assets | $216,568,000 | 2,664 |
| Average equity | $27,047,000 | 2,487 |
| Average total loans | $177,084,250 | 2,269 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0796% | 3,431 |
| Cost of funding earning assets | 0.2975% | 4,994 |
| Net interest margin | 3.7820% | 2,626 |
| Noninterest income to average assets | 0.5796% | 2,933 |
| Noninterest expense to average assets | 2.2196% | 5,364 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1504% | 1,755 |
| Return on assets (ROA) | 1.1504% | 1,833 |
| Pretax return on assets | 1.9325% | 642 |
| Return on Equity (ROE) | 9.8736% | 2,212 |
| Retained earnings to average equity (ytd only) | 9.8736% | 746 |
| Net charge-offs to loans | 0.0103% | 4,050 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 246.0000% | 273 |
| Efficiency ratio | 53.4581% | 5,957 |
| Assets per employee ($millions) | 4.5630% | 2,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7078% | 2,106 |
| Loan loss allowance to noncurrent loans | 566.0000% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.3591% | 4,949 |
| Noncurrent loans to loans | 0.3017% | 5,110 |
| Net loans and leases to total assets | 80.1356% | 674 |
| Net loans and leases to deposits | 91.6579% | 1,196 |
| Net loans and leases to core deposits | 95.5304% | 1,644 |
| Total domestic deposits to total assets | 87.4290% | 2,231 |
| Equity capital to assets | 12.2517% | 1,812 |
| Core capital (leverage) ratio | 12.1071% | 1,600 |
| Tier 1 risk-based capital ratio | 15.6662% | 3,262 |
| Total risk-based capital ratio | 16.9226% | 3,202 |
| Memoranda: | ||
| Average total assets | $229,137,000 | 2,737 |
| Average earning assets | $216,444,330 | 2,674 |
| Average equity | $26,697,330 | 2,504 |
| Average total loans | $174,216,670 | 2,301 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8868% | 4,138 |
| Cost of funding earning assets | 0.3049% | 5,014 |
| Net interest margin | 3.5819% | 3,328 |
| Noninterest income to average assets | 0.5330% | 3,169 |
| Noninterest expense to average assets | 2.2577% | 5,309 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9883% | 2,255 |
| Return on assets (ROA) | 0.9883% | 2,311 |
| Pretax return on assets | 1.6592% | 1,051 |
| Return on Equity (ROE) | 8.6985% | 2,602 |
| Retained earnings to average equity (ytd only) | 8.6985% | 1,346 |
| Net charge-offs to loans | -0.0024% | 4,717 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6398% | 5,684 |
| Assets per employee ($millions) | 4.8952% | 2,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7885% | 2,072 |
| Loan loss allowance to noncurrent loans | 550.7937% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.3726% | 5,040 |
| Noncurrent loans to loans | 0.3247% | 5,133 |
| Net loans and leases to total assets | 76.1563% | 985 |
| Net loans and leases to deposits | 86.7749% | 1,496 |
| Net loans and leases to core deposits | 89.1111% | 1,992 |
| Total domestic deposits to total assets | 87.7631% | 2,374 |
| Equity capital to assets | 11.8301% | 1,994 |
| Core capital (leverage) ratio | 11.2701% | 2,161 |
| Tier 1 risk-based capital ratio | 15.6795% | 3,346 |
| Total risk-based capital ratio | 16.9368% | 3,305 |
| Memoranda: | ||
| Average total assets | $231,912,500 | 2,725 |
| Average earning assets | $219,102,000 | 2,663 |
| Average equity | $26,349,500 | 2,523 |
| Average total loans | $170,182,500 | 2,349 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1355% | 3,594 |
| Cost of funding earning assets | 0.4154% | 4,476 |
| Net interest margin | 3.7201% | 2,976 |
| Noninterest income to average assets | 0.5593% | 3,337 |
| Noninterest expense to average assets | 2.1681% | 5,699 |
| Loan and lease loss provision to assets | 0.0223% | 4,682 |
| Net operating income to assets | 1.1353% | 1,813 |
| Return on assets (ROA) | 1.1347% | 1,878 |
| Pretax return on assets | 1.8889% | 618 |
| Return on Equity (ROE) | 9.8350% | 2,175 |
| Retained earnings to average equity (ytd only) | 4.9949% | 2,599 |
| Net charge-offs to loans | 0.0158% | 5,127 |
| Credit loss provision to net charge-offs | 192.3077% | 1,186 |
| Earnings coverage of net charge-offs (x) | 164.6154% | 285 |
| Efficiency ratio | 53.1370% | 6,206 |
| Assets per employee ($millions) | 5.1880% | 1,972 |
| Cash dividends to net income (ytd only)* | 49.2126% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8835% | 1,819 |
| Loan loss allowance to noncurrent loans | 384.9568% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 0.4538% | 4,881 |
| Noncurrent loans to loans | 0.4893% | 4,773 |
| Net loans and leases to total assets | 68.1478% | 2,331 |
| Net loans and leases to deposits | 76.6792% | 2,898 |
| Net loans and leases to core deposits | 78.5981% | 3,291 |
| Total domestic deposits to total assets | 88.8739% | 1,713 |
| Equity capital to assets | 10.9199% | 2,687 |
| Core capital (leverage) ratio | 11.3260% | 2,093 |
| Tier 1 risk-based capital ratio | 16.2986% | 2,967 |
| Total risk-based capital ratio | 17.5574% | 2,914 |
| Memoranda: | ||
| Average total assets | $223,838,000 | 2,775 |
| Average earning assets | $211,847,800 | 2,701 |
| Average equity | $25,826,200 | 2,561 |
| Average total loans | $164,060,600 | 2,370 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1934% | 3,409 |
| Cost of funding earning assets | 0.4469% | 4,311 |
| Net interest margin | 3.7465% | 2,861 |
| Noninterest income to average assets | 0.5615% | 3,382 |
| Noninterest expense to average assets | 2.0884% | 5,855 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.2006% | 1,637 |
| Return on assets (ROA) | 1.1998% | 1,709 |
| Pretax return on assets | 2.0157% | 562 |
| Return on Equity (ROE) | 10.2503% | 2,084 |
| Retained earnings to average equity (ytd only) | 10.2503% | 738 |
| Net charge-offs to loans | 0.0350% | 4,439 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 77.4444% | 610 |
| Efficiency ratio | 50.8705% | 6,344 |
| Assets per employee ($millions) | 4.5916% | 2,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8422% | 2,170 |
| Loan loss allowance to noncurrent loans | 356.0606% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.5436% | 4,814 |
| Noncurrent loans to loans | 0.5174% | 4,899 |
| Net loans and leases to total assets | 73.8574% | 1,309 |
| Net loans and leases to deposits | 84.3160% | 1,836 |
| Net loans and leases to core deposits | 86.6357% | 2,332 |
| Total domestic deposits to total assets | 87.5959% | 2,362 |
| Equity capital to assets | 12.1414% | 1,834 |
| Core capital (leverage) ratio | 11.9771% | 1,688 |
| Tier 1 risk-based capital ratio | 16.7095% | 2,858 |
| Total risk-based capital ratio | 17.9673% | 2,802 |
| Memoranda: | ||
| Average total assets | $220,136,000 | 2,830 |
| Average earning assets | $208,226,000 | 2,761 |
| Average equity | $25,767,750 | 2,596 |
| Average total loans | $163,637,250 | 2,384 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4432% | 2,405 |
| Cost of funding earning assets | 0.4766% | 4,135 |
| Net interest margin | 3.9666% | 1,981 |
| Noninterest income to average assets | 0.3517% | 4,876 |
| Noninterest expense to average assets | 2.0895% | 5,887 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2034% | 1,588 |
| Return on assets (ROA) | 1.2034% | 1,692 |
| Pretax return on assets | 2.0214% | 581 |
| Return on Equity (ROE) | 10.4099% | 2,039 |
| Retained earnings to average equity (ytd only) | 10.4099% | 761 |
| Net charge-offs to loans | 0.0528% | 3,940 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 51.7209% | 785 |
| Efficiency ratio | 50.8291% | 6,368 |
| Assets per employee ($millions) | 4.6407% | 2,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8612% | 2,225 |
| Loan loss allowance to noncurrent loans | 370.7524% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 0.5337% | 4,928 |
| Noncurrent loans to loans | 0.5020% | 5,014 |
| Net loans and leases to total assets | 73.8539% | 1,275 |
| Net loans and leases to deposits | 84.1513% | 1,791 |
| Net loans and leases to core deposits | 87.9011% | 2,119 |
| Total domestic deposits to total assets | 87.7632% | 2,409 |
| Equity capital to assets | 11.9695% | 1,935 |
| Core capital (leverage) ratio | 11.9746% | 1,631 |
| Tier 1 risk-based capital ratio | 16.4092% | 2,976 |
| Total risk-based capital ratio | 17.5222% | 3,005 |
| Memoranda: | ||
| Average total assets | $220,049,670 | 2,840 |
| Average earning assets | $208,543,000 | 2,764 |
| Average equity | $25,437,330 | 2,636 |
| Average total loans | $162,905,330 | 2,402 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3071% | 2,867 |
| Cost of funding earning assets | 0.5057% | 4,029 |
| Net interest margin | 3.8014% | 2,444 |
| Noninterest income to average assets | 0.3402% | 4,973 |
| Noninterest expense to average assets | 2.0270% | 6,045 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1420% | 1,711 |
| Return on assets (ROA) | 1.1420% | 1,823 |
| Pretax return on assets | 1.9184% | 709 |
| Return on Equity (ROE) | 10.0548% | 2,040 |
| Retained earnings to average equity (ytd only) | 10.0548% | 1,091 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3761% | 6,418 |
| Assets per employee ($millions) | 4.6810% | 2,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8937% | 2,320 |
| Loan loss allowance to noncurrent loans | 467.9758% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.4757% | 5,189 |
| Noncurrent loans to loans | 0.4047% | 5,412 |
| Net loans and leases to total assets | 76.1935% | 815 |
| Net loans and leases to deposits | 87.0724% | 1,241 |
| Net loans and leases to core deposits | 90.0833% | 1,687 |
| Total domestic deposits to total assets | 87.5059% | 2,628 |
| Equity capital to assets | 12.0654% | 1,998 |
| Core capital (leverage) ratio | 11.5106% | 1,876 |
| Tier 1 risk-based capital ratio | 16.0087% | 3,263 |
| Total risk-based capital ratio | 17.2677% | 3,219 |
| Memoranda: | ||
| Average total assets | $221,018,000 | 2,860 |
| Average earning assets | $209,606,000 | 2,776 |
| Average equity | $25,102,500 | 2,696 |
| Average total loans | $162,288,000 | 2,421 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3768% | 3,922 |
| Cost of funding earning assets | 0.6182% | 4,193 |
| Net interest margin | 3.7586% | 3,397 |
| Noninterest income to average assets | 0.3801% | 4,749 |
| Noninterest expense to average assets | 2.2022% | 5,919 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.0487% | 2,129 |
| Return on assets (ROA) | 1.0487% | 2,322 |
| Pretax return on assets | 1.7376% | 1,050 |
| Return on Equity (ROE) | 9.0183% | 2,630 |
| Retained earnings to average equity (ytd only) | 3.5637% | 3,704 |
| Net charge-offs to loans | 0.0252% | 5,546 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 97.3158% | 395 |
| Efficiency ratio | 55.8974% | 6,068 |
| Assets per employee ($millions) | 4.8207% | 2,462 |
| Cash dividends to net income (ytd only)* | 60.4839% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9245% | 2,217 |
| Loan loss allowance to noncurrent loans | 544.4640% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.3928% | 5,504 |
| Noncurrent loans to loans | 0.3535% | 5,604 |
| Net loans and leases to total assets | 68.2318% | 2,144 |
| Net loans and leases to deposits | 76.5828% | 2,707 |
| Net loans and leases to core deposits | 78.9415% | 3,151 |
| Total domestic deposits to total assets | 89.0956% | 1,497 |
| Equity capital to assets | 10.7134% | 3,266 |
| Core capital (leverage) ratio | 11.0779% | 2,187 |
| Tier 1 risk-based capital ratio | 15.8717% | 3,234 |
| Total risk-based capital ratio | 17.1306% | 3,187 |
| Memoranda: | ||
| Average total assets | $212,827,800 | 2,899 |
| Average earning assets | $201,564,200 | 2,827 |
| Average equity | $24,749,800 | 2,683 |
| Average total loans | $150,955,800 | 2,562 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3810% | 4,131 |
| Cost of funding earning assets | 0.6583% | 4,119 |
| Net interest margin | 3.7227% | 3,689 |
| Noninterest income to average assets | 0.3964% | 4,664 |
| Noninterest expense to average assets | 2.1352% | 6,102 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0612% | 2,249 |
| Return on assets (ROA) | 1.0612% | 2,461 |
| Pretax return on assets | 1.7817% | 1,091 |
| Return on Equity (ROE) | 8.9301% | 2,834 |
| Retained earnings to average equity (ytd only) | 8.9301% | 1,255 |
| Net charge-offs to loans | 0.0269% | 5,287 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 92.7310% | 452 |
| Efficiency ratio | 54.5128% | 6,201 |
| Assets per employee ($millions) | 4.3126% | 3,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0123% | 2,135 |
| Loan loss allowance to noncurrent loans | 536.4421% | 718 |
| Noncurrent assets plus other real estate owned to assets | 0.5217% | 5,371 |
| Noncurrent loans to loans | 0.3751% | 5,726 |
| Net loans and leases to total assets | 73.0617% | 1,381 |
| Net loans and leases to deposits | 83.7187% | 1,900 |
| Net loans and leases to core deposits | 86.6731% | 2,382 |
| Total domestic deposits to total assets | 87.2704% | 2,517 |
| Equity capital to assets | 12.3533% | 1,994 |
| Core capital (leverage) ratio | 11.9864% | 1,663 |
| Tier 1 risk-based capital ratio | 17.0205% | 2,723 |
| Total risk-based capital ratio | 18.2802% | 2,677 |
| Memoranda: | ||
| Average total assets | $208,186,750 | 2,979 |
| Average earning assets | $196,876,750 | 2,900 |
| Average equity | $24,739,750 | 2,710 |
| Average total loans | $148,449,500 | 2,628 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3155% | 4,504 |
| Cost of funding earning assets | 0.6927% | 4,075 |
| Net interest margin | 3.6228% | 4,174 |
| Noninterest income to average assets | 0.3442% | 5,084 |
| Noninterest expense to average assets | 2.0347% | 6,363 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0327% | 2,328 |
| Return on assets (ROA) | 1.0327% | 2,550 |
| Pretax return on assets | 1.7346% | 1,172 |
| Return on Equity (ROE) | 8.8054% | 2,896 |
| Retained earnings to average equity (ytd only) | 8.8054% | 1,342 |
| Net charge-offs to loans | 0.0137% | 5,246 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 180.9000% | 253 |
| Efficiency ratio | 53.9812% | 6,317 |
| Assets per employee ($millions) | 4.5379% | 2,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1090% | 1,975 |
| Loan loss allowance to noncurrent loans | 548.7719% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.5701% | 5,334 |
| Noncurrent loans to loans | 0.3843% | 5,765 |
| Net loans and leases to total assets | 69.5546% | 1,998 |
| Net loans and leases to deposits | 79.2822% | 2,486 |
| Net loans and leases to core deposits | 84.3246% | 2,646 |
| Total domestic deposits to total assets | 87.7304% | 2,316 |
| Equity capital to assets | 11.9726% | 2,172 |
| Core capital (leverage) ratio | 11.5905% | 1,839 |
| Tier 1 risk-based capital ratio | 17.1682% | 2,599 |
| Total risk-based capital ratio | 18.4291% | 2,561 |
| Memoranda: | ||
| Average total assets | $208,580,330 | 2,986 |
| Average earning assets | $197,197,330 | 2,909 |
| Average equity | $24,462,330 | 2,724 |
| Average total loans | $146,483,330 | 2,662 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2920% | 4,770 |
| Cost of funding earning assets | 0.7126% | 4,175 |
| Net interest margin | 3.5794% | 4,351 |
| Noninterest income to average assets | 0.4010% | 4,664 |
| Noninterest expense to average assets | 1.9108% | 6,625 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1146% | 2,012 |
| Return on assets (ROA) | 1.1146% | 2,195 |
| Pretax return on assets | 1.8724% | 929 |
| Return on Equity (ROE) | 9.6043% | 2,557 |
| Retained earnings to average equity (ytd only) | 9.6043% | 1,380 |
| Net charge-offs to loans | -0.0027% | 5,736 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5071% | 6,642 |
| Assets per employee ($millions) | 4.2801% | 3,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1750% | 1,935 |
| Loan loss allowance to noncurrent loans | 172.4725% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 1.3016% | 3,961 |
| Noncurrent loans to loans | 1.2610% | 4,226 |
| Net loans and leases to total assets | 68.7217% | 1,987 |
| Net loans and leases to deposits | 78.4088% | 2,431 |
| Net loans and leases to core deposits | 83.8576% | 2,561 |
| Total domestic deposits to total assets | 87.6454% | 2,556 |
| Equity capital to assets | 11.9180% | 2,101 |
| Core capital (leverage) ratio | 11.5972% | 1,839 |
| Tier 1 risk-based capital ratio | 17.0335% | 2,670 |
| Total risk-based capital ratio | 18.2953% | 2,629 |
| Memoranda: | ||
| Average total assets | $208,498,500 | 3,005 |
| Average earning assets | $197,018,000 | 2,936 |
| Average equity | $24,197,500 | 2,748 |
| Average total loans | $145,565,500 | 2,694 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6341% | 4,532 |
| Cost of funding earning assets | 0.8727% | 4,305 |
| Net interest margin | 3.7613% | 4,024 |
| Noninterest income to average assets | 0.1398% | 6,455 |
| Noninterest expense to average assets | 2.3770% | 5,837 |
| Loan and lease loss provision to assets | 0.2678% | 3,534 |
| Net operating income to assets | 0.6160% | 3,910 |
| Return on assets (ROA) | 0.6160% | 4,104 |
| Pretax return on assets | 0.9959% | 3,257 |
| Return on Equity (ROE) | 5.3584% | 4,220 |
| Retained earnings to average equity (ytd only) | 5.3584% | 2,402 |
| Net charge-offs to loans | 0.1394% | 5,033 |
| Credit loss provision to net charge-offs | 270.9360% | 885 |
| Earnings coverage of net charge-offs (x) | 12.7833% | 1,593 |
| Efficiency ratio | 65.2889% | 4,907 |
| Assets per employee ($millions) | 4.5011% | 2,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1375% | 1,918 |
| Loan loss allowance to noncurrent loans | 468.3582% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.7752% | 5,084 |
| Noncurrent loans to loans | 0.4564% | 5,796 |
| Net loans and leases to total assets | 67.9118% | 2,413 |
| Net loans and leases to deposits | 76.8533% | 3,032 |
| Net loans and leases to core deposits | 81.9887% | 3,181 |
| Total domestic deposits to total assets | 88.3655% | 1,931 |
| Equity capital to assets | 11.3022% | 2,693 |
| Core capital (leverage) ratio | 11.2497% | 2,083 |
| Tier 1 risk-based capital ratio | 16.3093% | 2,898 |
| Total risk-based capital ratio | 17.5700% | 2,866 |
| Memoranda: | ||
| Average total assets | $205,346,200 | 2,995 |
| Average earning assets | $191,128,400 | 2,956 |
| Average equity | $23,607,800 | 2,718 |
| Average total loans | $145,672,200 | 2,703 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7171% | 4,370 |
| Cost of funding earning assets | 0.9112% | 4,327 |
| Net interest margin | 3.8059% | 3,846 |
| Noninterest income to average assets | 0.2630% | 5,739 |
| Noninterest expense to average assets | 2.1151% | 6,480 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.0913% | 2,005 |
| Return on assets (ROA) | 1.0913% | 2,147 |
| Pretax return on assets | 1.6755% | 1,194 |
| Return on Equity (ROE) | 9.4506% | 2,409 |
| Retained earnings to average equity (ytd only) | 9.4506% | 999 |
| Net charge-offs to loans | 0.1642% | 4,472 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 14.3073% | 1,540 |
| Efficiency ratio | 55.7991% | 6,308 |
| Assets per employee ($millions) | 4.2673% | 3,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8275% | 2,841 |
| Loan loss allowance to noncurrent loans | 457.4431% | 695 |
| Noncurrent assets plus other real estate owned to assets | 1.6423% | 3,622 |
| Noncurrent loans to loans | 0.3995% | 6,053 |
| Net loans and leases to total assets | 68.5040% | 2,372 |
| Net loans and leases to deposits | 78.5516% | 2,881 |
| Net loans and leases to core deposits | 84.0598% | 3,058 |
| Total domestic deposits to total assets | 87.2088% | 2,526 |
| Equity capital to assets | 11.8723% | 2,356 |
| Core capital (leverage) ratio | 11.9637% | 1,727 |
| Tier 1 risk-based capital ratio | 16.8983% | 2,678 |
| Total risk-based capital ratio | 18.1551% | 2,645 |
| Memoranda: | ||
| Average total assets | $203,795,000 | 3,034 |
| Average earning assets | $188,895,500 | 2,990 |
| Average equity | $23,532,250 | 2,724 |
| Average total loans | $145,388,750 | 2,723 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7641% | 4,234 |
| Cost of funding earning assets | 0.9509% | 4,314 |
| Net interest margin | 3.8132% | 3,716 |
| Noninterest income to average assets | 0.4011% | 4,674 |
| Noninterest expense to average assets | 2.0890% | 6,618 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.2337% | 1,479 |
| Return on assets (ROA) | 1.2337% | 1,552 |
| Pretax return on assets | 1.8363% | 816 |
| Return on Equity (ROE) | 10.7863% | 1,873 |
| Retained earnings to average equity (ytd only) | 10.7863% | 706 |
| Net charge-offs to loans | 0.2325% | 3,731 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 10.9882% | 1,751 |
| Efficiency ratio | 53.2181% | 6,694 |
| Assets per employee ($millions) | 4.1024% | 3,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7928% | 3,022 |
| Loan loss allowance to noncurrent loans | 816.5109% | 447 |
| Noncurrent assets plus other real estate owned to assets | 2.4983% | 2,669 |
| Noncurrent loans to loans | 0.2196% | 6,465 |
| Net loans and leases to total assets | 71.4247% | 1,900 |
| Net loans and leases to deposits | 83.1634% | 2,241 |
| Net loans and leases to core deposits | 91.3432% | 2,214 |
| Total domestic deposits to total assets | 85.8847% | 3,387 |
| Equity capital to assets | 11.8936% | 2,171 |
| Core capital (leverage) ratio | 11.6748% | 1,796 |
| Tier 1 risk-based capital ratio | 16.0814% | 2,938 |
| Total risk-based capital ratio | 17.3062% | 2,915 |
| Memoranda: | ||
| Average total assets | $203,450,330 | 3,060 |
| Average earning assets | $188,030,670 | 3,026 |
| Average equity | $23,270,330 | 2,734 |
| Average total loans | $146,209,000 | 2,742 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6603% | 4,697 |
| Cost of funding earning assets | 0.9721% | 4,403 |
| Net interest margin | 3.6882% | 4,167 |
| Noninterest income to average assets | 0.4182% | 4,557 |
| Noninterest expense to average assets | 1.9368% | 6,924 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.4111% | 1,043 |
| Return on assets (ROA) | 1.4111% | 1,080 |
| Pretax return on assets | 1.8997% | 683 |
| Return on Equity (ROE) | 12.5831% | 1,305 |
| Retained earnings to average equity (ytd only) | 12.5831% | 659 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4840% | 6,953 |
| Assets per employee ($millions) | 4.0122% | 3,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9135% | 2,646 |
| Loan loss allowance to noncurrent loans | 119.0273% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 3.0768% | 2,241 |
| Noncurrent loans to loans | 1.6076% | 4,074 |
| Net loans and leases to total assets | 72.7457% | 1,568 |
| Net loans and leases to deposits | 84.4382% | 1,964 |
| Net loans and leases to core deposits | 94.0697% | 1,873 |
| Total domestic deposits to total assets | 86.1526% | 3,433 |
| Equity capital to assets | 11.8637% | 2,002 |
| Core capital (leverage) ratio | 11.3431% | 1,936 |
| Tier 1 risk-based capital ratio | 15.6887% | 3,060 |
| Total risk-based capital ratio | 16.9465% | 3,017 |
| Memoranda: | ||
| Average total assets | $204,667,500 | 3,059 |
| Average earning assets | $189,685,500 | 3,016 |
| Average equity | $22,951,500 | 2,752 |
| Average total loans | $146,215,500 | 2,771 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7180% | 5,744 |
| Cost of funding earning assets | 1.2831% | 3,994 |
| Net interest margin | 3.4348% | 5,499 |
| Noninterest income to average assets | 0.4383% | 4,605 |
| Noninterest expense to average assets | 2.3650% | 6,179 |
| Loan and lease loss provision to assets | 0.4606% | 3,366 |
| Net operating income to assets | 0.5150% | 4,023 |
| Return on assets (ROA) | 0.5178% | 4,169 |
| Pretax return on assets | 0.8266% | 3,544 |
| Return on Equity (ROE) | 4.7699% | 4,169 |
| Retained earnings to average equity (ytd only) | 4.7699% | 2,563 |
| Net charge-offs to loans | 0.1163% | 5,716 |
| Credit loss provision to net charge-offs | 575.7576% | 383 |
| Earnings coverage of net charge-offs (x) | 16.0364% | 1,243 |
| Efficiency ratio | 64.8325% | 5,194 |
| Assets per employee ($millions) | 3.5456% | 4,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9035% | 2,553 |
| Loan loss allowance to noncurrent loans | 72.5312% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 2.8876% | 2,430 |
| Noncurrent loans to loans | 2.6244% | 2,900 |
| Net loans and leases to total assets | 67.6109% | 3,072 |
| Net loans and leases to deposits | 77.0998% | 3,661 |
| Net loans and leases to core deposits | 85.0041% | 3,462 |
| Total domestic deposits to total assets | 87.6927% | 2,425 |
| Equity capital to assets | 10.6137% | 3,050 |
| Core capital (leverage) ratio | 10.5902% | 2,467 |
| Tier 1 risk-based capital ratio | 15.2317% | 3,137 |
| Total risk-based capital ratio | 16.2926% | 3,178 |
| Memoranda: | ||
| Average total assets | $206,256,400 | 3,026 |
| Average earning assets | $192,731,600 | 2,963 |
| Average equity | $22,390,200 | 2,834 |
| Average total loans | $141,916,600 | 2,907 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7231% | 5,939 |
| Cost of funding earning assets | 1.3618% | 3,824 |
| Net interest margin | 3.3613% | 5,800 |
| Noninterest income to average assets | 0.4105% | 4,874 |
| Noninterest expense to average assets | 2.1332% | 6,775 |
| Loan and lease loss provision to assets | 0.0977% | 6,040 |
| Net operating income to assets | 0.8725% | 2,721 |
| Return on assets (ROA) | 0.8763% | 2,841 |
| Pretax return on assets | 1.3311% | 2,087 |
| Return on Equity (ROE) | 8.0262% | 2,887 |
| Retained earnings to average equity (ytd only) | 8.0262% | 1,412 |
| Net charge-offs to loans | 0.1355% | 5,212 |
| Credit loss provision to net charge-offs | 104.8951% | 4,083 |
| Earnings coverage of net charge-offs (x) | 15.2729% | 1,450 |
| Efficiency ratio | 59.9853% | 5,957 |
| Assets per employee ($millions) | 4.1454% | 3,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3860% | 4,542 |
| Loan loss allowance to noncurrent loans | 54.4790% | 4,665 |
| Noncurrent assets plus other real estate owned to assets | 2.9338% | 2,472 |
| Noncurrent loans to loans | 2.5440% | 3,079 |
| Net loans and leases to total assets | 69.1028% | 2,959 |
| Net loans and leases to deposits | 80.7275% | 3,318 |
| Net loans and leases to core deposits | 89.7791% | 3,128 |
| Total domestic deposits to total assets | 85.6000% | 3,291 |
| Equity capital to assets | 11.0686% | 2,891 |
| Core capital (leverage) ratio | 10.6314% | 2,562 |
| Tier 1 risk-based capital ratio | 15.5072% | 2,994 |
| Total risk-based capital ratio | 16.7421% | 2,974 |
| Memoranda: | ||
| Average total assets | $204,636,750 | 3,081 |
| Average earning assets | $191,507,750 | 3,017 |
| Average equity | $22,343,000 | 2,885 |
| Average total loans | $140,740,000 | 2,968 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7063% | 6,124 |
| Cost of funding earning assets | 1.3617% | 4,107 |
| Net interest margin | 3.3445% | 5,852 |
| Noninterest income to average assets | 0.4260% | 4,705 |
| Noninterest expense to average assets | 2.1182% | 6,844 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.9785% | 2,270 |
| Return on assets (ROA) | 0.9845% | 2,336 |
| Pretax return on assets | 1.4458% | 1,709 |
| Return on Equity (ROE) | 9.0592% | 2,436 |
| Retained earnings to average equity (ytd only) | 9.0592% | 1,082 |
| Net charge-offs to loans | -0.0043% | 7,099 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5803% | 6,126 |
| Assets per employee ($millions) | 4.2433% | 3,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4352% | 4,264 |
| Loan loss allowance to noncurrent loans | 551.9231% | 592 |
| Noncurrent assets plus other real estate owned to assets | 1.3592% | 4,449 |
| Noncurrent loans to loans | 0.2600% | 6,712 |
| Net loans and leases to total assets | 66.3557% | 3,757 |
| Net loans and leases to deposits | 81.8791% | 3,290 |
| Net loans and leases to core deposits | 96.2335% | 2,416 |
| Total domestic deposits to total assets | 81.0410% | 5,389 |
| Equity capital to assets | 10.8743% | 2,990 |
| Core capital (leverage) ratio | 10.9328% | 2,291 |
| Tier 1 risk-based capital ratio | 15.0359% | 3,138 |
| Total risk-based capital ratio | 16.2867% | 3,108 |
| Memoranda: | ||
| Average total assets | $203,758,670 | 3,115 |
| Average earning assets | $190,639,330 | 3,053 |
| Average equity | $22,143,330 | 2,908 |
| Average total loans | $139,239,000 | 3,035 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6790% | 6,316 |
| Cost of funding earning assets | 1.3880% | 4,257 |
| Net interest margin | 3.2910% | 6,007 |
| Noninterest income to average assets | 0.4264% | 4,690 |
| Noninterest expense to average assets | 2.0746% | 7,003 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.1028% | 1,823 |
| Return on assets (ROA) | 1.1028% | 1,908 |
| Pretax return on assets | 1.4320% | 1,685 |
| Return on Equity (ROE) | 10.1506% | 2,050 |
| Retained earnings to average equity (ytd only) | 10.1506% | 1,105 |
| Net charge-offs to loans | -0.0029% | 6,775 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1629% | 6,312 |
| Assets per employee ($millions) | 3.7453% | 4,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4528% | 4,164 |
| Loan loss allowance to noncurrent loans | 496.7822% | 643 |
| Noncurrent assets plus other real estate owned to assets | 1.2483% | 4,687 |
| Noncurrent loans to loans | 0.2924% | 6,739 |
| Net loans and leases to total assets | 68.5844% | 3,258 |
| Net loans and leases to deposits | 82.4938% | 3,198 |
| Net loans and leases to core deposits | 96.6938% | 2,501 |
| Total domestic deposits to total assets | 83.1388% | 4,553 |
| Equity capital to assets | 11.1676% | 2,618 |
| Core capital (leverage) ratio | 10.8709% | 2,318 |
| Tier 1 risk-based capital ratio | 14.6554% | 3,285 |
| Total risk-based capital ratio | 15.9117% | 3,249 |
| Memoranda: | ||
| Average total assets | $201,677,000 | 3,198 |
| Average earning assets | $188,759,000 | 3,136 |
| Average equity | $21,910,000 | 2,959 |
| Average total loans | $138,870,000 | 3,094 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1032% | 6,072 |
| Cost of funding earning assets | 1.6536% | 4,775 |
| Net interest margin | 3.4497% | 5,171 |
| Noninterest income to average assets | 0.5356% | 4,137 |
| Noninterest expense to average assets | 2.5507% | 5,948 |
| Loan and lease loss provision to assets | 0.2324% | 5,515 |
| Net operating income to assets | 0.5464% | 3,544 |
| Return on assets (ROA) | 0.5464% | 3,631 |
| Pretax return on assets | 0.9589% | 2,732 |
| Return on Equity (ROE) | 5.1665% | 3,596 |
| Retained earnings to average equity (ytd only) | 5.1665% | 1,731 |
| Net charge-offs to loans | 0.1873% | 5,484 |
| Credit loss provision to net charge-offs | 179.3893% | 2,325 |
| Earnings coverage of net charge-offs (x) | 9.1947% | 1,833 |
| Efficiency ratio | 68.1644% | 4,977 |
| Assets per employee ($millions) | 4.0167% | 3,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4363% | 4,048 |
| Loan loss allowance to noncurrent loans | 489.0244% | 678 |
| Noncurrent assets plus other real estate owned to assets | 1.2224% | 4,657 |
| Noncurrent loans to loans | 0.2937% | 6,690 |
| Net loans and leases to total assets | 67.1639% | 3,885 |
| Net loans and leases to deposits | 82.2366% | 3,585 |
| Net loans and leases to core deposits | 99.7976% | 4,024 |
| Total domestic deposits to total assets | 81.6716% | 5,074 |
| Equity capital to assets | 10.5696% | 3,108 |
| Core capital (leverage) ratio | 10.4072% | 2,682 |
| Tier 1 risk-based capital ratio | 14.1254% | 3,423 |
| Total risk-based capital ratio | 15.3707% | 3,385 |
| Memoranda: | ||
| Average total assets | $202,215,200 | 3,158 |
| Average earning assets | $187,959,200 | 3,115 |
| Average equity | $21,387,600 | 3,030 |
| Average total loans | $139,893,200 | 3,086 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1621% | 6,052 |
| Cost of funding earning assets | 1.7210% | 4,799 |
| Net interest margin | 3.4412% | 5,106 |
| Noninterest income to average assets | 0.5153% | 4,362 |
| Noninterest expense to average assets | 2.2167% | 6,929 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.9387% | 2,274 |
| Return on assets (ROA) | 0.9387% | 2,339 |
| Pretax return on assets | 1.4904% | 1,440 |
| Return on Equity (ROE) | 8.8734% | 2,312 |
| Retained earnings to average equity (ytd only) | 8.8734% | 875 |
| Net charge-offs to loans | 0.1610% | 5,103 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 13.3312% | 1,682 |
| Efficiency ratio | 59.7966% | 6,446 |
| Assets per employee ($millions) | 3.8026% | 4,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1876% | 5,182 |
| Loan loss allowance to noncurrent loans | 103.0380% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 2.0706% | 3,251 |
| Noncurrent loans to loans | 1.1526% | 5,016 |
| Net loans and leases to total assets | 67.2120% | 4,132 |
| Net loans and leases to deposits | 83.5816% | 3,713 |
| Net loans and leases to core deposits | 100.9818% | 4,269 |
| Total domestic deposits to total assets | 80.4148% | 5,285 |
| Equity capital to assets | 10.9095% | 3,103 |
| Core capital (leverage) ratio | 10.6762% | 2,648 |
| Tier 1 risk-based capital ratio | 14.5107% | 3,277 |
| Total risk-based capital ratio | 15.5900% | 3,303 |
| Memoranda: | ||
| Average total assets | $201,556,250 | 3,186 |
| Average earning assets | $186,946,000 | 3,149 |
| Average equity | $21,321,500 | 3,057 |
| Average total loans | $139,968,750 | 3,118 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3174% | 5,578 |
| Cost of funding earning assets | 1.7828% | 4,843 |
| Net interest margin | 3.5345% | 4,640 |
| Noninterest income to average assets | 0.5160% | 4,301 |
| Noninterest expense to average assets | 2.1859% | 7,095 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.9506% | 2,278 |
| Return on assets (ROA) | 0.9506% | 2,371 |
| Pretax return on assets | 1.5955% | 1,209 |
| Return on Equity (ROE) | 9.0807% | 2,332 |
| Retained earnings to average equity (ytd only) | 9.0807% | 915 |
| Net charge-offs to loans | 0.0766% | 5,440 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 29.7778% | 1,006 |
| Efficiency ratio | 57.8064% | 6,888 |
| Assets per employee ($millions) | 3.8256% | 4,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2460% | 4,637 |
| Loan loss allowance to noncurrent loans | 72.0248% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 2.4259% | 2,662 |
| Noncurrent loans to loans | 1.7300% | 3,914 |
| Net loans and leases to total assets | 69.4410% | 3,837 |
| Net loans and leases to deposits | 84.5716% | 3,781 |
| Net loans and leases to core deposits | 103.8162% | 4,085 |
| Total domestic deposits to total assets | 82.1091% | 4,644 |
| Equity capital to assets | 10.8157% | 3,095 |
| Core capital (leverage) ratio | 10.4362% | 2,868 |
| Tier 1 risk-based capital ratio | 14.1486% | 3,428 |
| Total risk-based capital ratio | 15.2995% | 3,430 |
| Memoranda: | ||
| Average total assets | $201,561,670 | 3,204 |
| Average earning assets | $186,219,000 | 3,191 |
| Average equity | $21,099,670 | 3,086 |
| Average total loans | $140,929,330 | 3,128 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3940% | 5,457 |
| Cost of funding earning assets | 1.8475% | 4,888 |
| Net interest margin | 3.5465% | 4,537 |
| Noninterest income to average assets | 0.5087% | 4,243 |
| Noninterest expense to average assets | 2.1432% | 7,025 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9641% | 2,464 |
| Return on assets (ROA) | 0.9641% | 2,591 |
| Pretax return on assets | 1.6168% | 1,366 |
| Return on Equity (ROE) | 9.3627% | 2,590 |
| Retained earnings to average equity (ytd only) | 9.3627% | 1,385 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0005% | 6,830 |
| Assets per employee ($millions) | 3.7171% | 4,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2764% | 4,227 |
| Loan loss allowance to noncurrent loans | 74.0115% | 3,919 |
| Noncurrent assets plus other real estate owned to assets | 1.9705% | 2,948 |
| Noncurrent loans to loans | 1.7246% | 3,675 |
| Net loans and leases to total assets | 70.5523% | 3,565 |
| Net loans and leases to deposits | 85.1735% | 3,783 |
| Net loans and leases to core deposits | 105.1734% | 4,009 |
| Total domestic deposits to total assets | 82.8336% | 4,227 |
| Equity capital to assets | 10.6991% | 3,290 |
| Core capital (leverage) ratio | 10.3523% | 3,066 |
| Tier 1 risk-based capital ratio | 13.6323% | 3,785 |
| Total risk-based capital ratio | 14.8018% | 3,760 |
| Memoranda: | ||
| Average total assets | $202,876,000 | 3,209 |
| Average earning assets | $185,984,500 | 3,211 |
| Average equity | $20,891,500 | 3,131 |
| Average total loans | $141,452,000 | 3,143 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2749% | 4,097 |
| Cost of funding earning assets | 2.2978% | 5,157 |
| Net interest margin | 3.9771% | 3,228 |
| Noninterest income to average assets | 0.5439% | 4,278 |
| Noninterest expense to average assets | 2.4950% | 6,030 |
| Loan and lease loss provision to assets | 0.4856% | 2,872 |
| Net operating income to assets | 0.6144% | 4,243 |
| Return on assets (ROA) | 0.6144% | 4,104 |
| Pretax return on assets | 1.1828% | 2,710 |
| Return on Equity (ROE) | 5.7618% | 4,039 |
| Retained earnings to average equity (ytd only) | 1.8791% | 4,058 |
| Net charge-offs to loans | 0.6653% | 1,861 |
| Credit loss provision to net charge-offs | 99.3724% | 5,399 |
| Earnings coverage of net charge-offs (x) | 3.4142% | 4,379 |
| Efficiency ratio | 59.9263% | 6,353 |
| Assets per employee ($millions) | 4.0930% | 3,322 |
| Cash dividends to net income (ytd only)* | 67.3877% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2645% | 4,026 |
| Loan loss allowance to noncurrent loans | 49.3681% | 5,534 |
| Noncurrent assets plus other real estate owned to assets | 2.4135% | 2,013 |
| Noncurrent loans to loans | 2.5613% | 2,121 |
| Net loans and leases to total assets | 67.2193% | 4,598 |
| Net loans and leases to deposits | 82.5967% | 4,636 |
| Net loans and leases to core deposits | 100.9889% | 4,724 |
| Total domestic deposits to total assets | 81.3825% | 4,471 |
| Equity capital to assets | 9.9188% | 4,136 |
| Core capital (leverage) ratio | 9.9064% | 3,542 |
| Tier 1 risk-based capital ratio | 12.1376% | 4,714 |
| Total risk-based capital ratio | 13.2032% | 4,743 |
| Memoranda: | ||
| Average total assets | $195,634,200 | 3,195 |
| Average earning assets | $178,043,600 | 3,208 |
| Average equity | $20,861,400 | 3,115 |
| Average total loans | $143,703,800 | 3,028 |