Home > American Nation Bank > Performance and Condition Ratios
American Nation 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 | 6.1099% | 1,045 |
| Cost of funding earning assets | 2.6190% | 688 |
| Net interest margin | 3.4909% | 2,333 |
| Noninterest income to average assets | 0.4900% | 1,794 |
| Noninterest expense to average assets | 2.2603% | 2,949 |
| Loan and lease loss provision to assets | 0.1000% | 1,293 |
| Net operating income to assets | 1.4219% | 1,218 |
| Return on assets (ROA) | 1.4122% | 1,236 |
| Pretax return on assets | 1.4122% | 1,709 |
| Return on Equity (ROE) | 16.8600% | 781 |
| Retained earnings to average equity (ytd only) | 16.8591% | 286 |
| Net charge-offs to loans | 0.0131% | 1,769 |
| Credit loss provision to net charge-offs | 1,280.0000% | 290 |
| Earnings coverage of net charge-offs (x) | 167.9333% | 487 |
| Efficiency ratio | 59.7668% | 2,992 |
| Assets per employee ($millions) | 6.2288% | 2,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6047% | 803 |
| Loan loss allowance to noncurrent loans | 240.1621% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 1.2974% | 501 |
| Noncurrent loans to loans | 0.6682% | 1,511 |
| Net loans and leases to total assets | 67.5300% | 2,132 |
| Net loans and leases to deposits | 79.7827% | 2,072 |
| Net loans and leases to core deposits | 102.0273% | 1,251 |
| Total domestic deposits to total assets | 84.6400% | 2,726 |
| Equity capital to assets | 8.5520% | 3,280 |
| Core capital (leverage) ratio | 9.8342% | 2,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $662,226,000 | 1,427 |
| Average earning assets | $624,364,500 | 1,404 |
| Average equity | $55,471,500 | 1,643 |
| Average total loans | $458,840,000 | 1,402 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9762% | 1,326 |
| Cost of funding earning assets | 2.6065% | 961 |
| Net interest margin | 3.3697% | 2,354 |
| Noninterest income to average assets | 0.5000% | 1,933 |
| Noninterest expense to average assets | 2.2970% | 2,879 |
| Loan and lease loss provision to assets | 0.0400% | 2,355 |
| Net operating income to assets | 1.3542% | 1,169 |
| Return on assets (ROA) | 1.3544% | 1,161 |
| Pretax return on assets | 1.3544% | 1,622 |
| Return on Equity (ROE) | 17.2200% | 647 |
| Retained earnings to average equity (ytd only) | 7.8928% | 1,150 |
| Net charge-offs to loans | 0.0057% | 2,719 |
| Credit loss provision to net charge-offs | -326.9231% | 4,415 |
| Earnings coverage of net charge-offs (x) | 350.3846% | 339 |
| Efficiency ratio | 62.1693% | 2,931 |
| Assets per employee ($millions) | 5.7676% | 3,053 |
| Cash dividends to net income (ytd only)* | 54.1634% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5860% | 827 |
| Loan loss allowance to noncurrent loans | 1,662.5287% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.9326% | 739 |
| Noncurrent loans to loans | 0.0954% | 3,162 |
| Net loans and leases to total assets | 68.8500% | 2,032 |
| Net loans and leases to deposits | 81.1510% | 2,031 |
| Net loans and leases to core deposits | 100.5805% | 1,415 |
| Total domestic deposits to total assets | 84.8500% | 2,578 |
| Equity capital to assets | 8.1954% | 3,391 |
| Core capital (leverage) ratio | 9.5243% | 3,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $651,750,800 | 1,426 |
| Average earning assets | $618,448,400 | 1,394 |
| Average equity | $51,261,800 | 1,688 |
| Average total loans | $455,927,800 | 1,392 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9296% | 1,359 |
| Cost of funding earning assets | 2.5697% | 1,035 |
| Net interest margin | 3.3598% | 2,317 |
| Noninterest income to average assets | 0.4900% | 1,945 |
| Noninterest expense to average assets | 2.2192% | 3,028 |
| Loan and lease loss provision to assets | 0.0300% | 2,381 |
| Net operating income to assets | 1.4267% | 1,056 |
| Return on assets (ROA) | 1.4267% | 1,050 |
| Pretax return on assets | 1.4267% | 1,453 |
| Return on Equity (ROE) | 18.3300% | 548 |
| Retained earnings to average equity (ytd only) | 11.4788% | 579 |
| Net charge-offs to loans | -0.0091% | 3,985 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 60.2935% | 3,132 |
| Assets per employee ($millions) | 5.7855% | 3,043 |
| Cash dividends to net income (ytd only)* | 37.3817% | 1,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5672% | 907 |
| Loan loss allowance to noncurrent loans | 323.1286% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 1.1835% | 521 |
| Noncurrent loans to loans | 0.4850% | 1,868 |
| Net loans and leases to total assets | 68.0500% | 2,077 |
| Net loans and leases to deposits | 82.4784% | 1,934 |
| Net loans and leases to core deposits | 102.5240% | 1,327 |
| Total domestic deposits to total assets | 82.5100% | 2,975 |
| Equity capital to assets | 8.4199% | 3,453 |
| Core capital (leverage) ratio | 9.5440% | 3,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $651,753,250 | 1,415 |
| Average earning assets | $619,656,250 | 1,385 |
| Average equity | $50,724,000 | 1,691 |
| Average total loans | $455,914,500 | 1,386 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8365% | 1,401 |
| Cost of funding earning assets | 2.5097% | 1,070 |
| Net interest margin | 3.3269% | 2,351 |
| Noninterest income to average assets | 0.4900% | 1,897 |
| Noninterest expense to average assets | 2.1912% | 3,097 |
| Loan and lease loss provision to assets | 0.0100% | 2,670 |
| Net operating income to assets | 1.4619% | 982 |
| Return on assets (ROA) | 1.4619% | 974 |
| Pretax return on assets | 1.4619% | 1,349 |
| Return on Equity (ROE) | 19.3300% | 494 |
| Retained earnings to average equity (ytd only) | 12.6025% | 482 |
| Net charge-offs to loans | -0.0946% | 4,431 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 59.8801% | 3,219 |
| Assets per employee ($millions) | 6.0212% | 2,785 |
| Cash dividends to net income (ytd only)* | 34.7918% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6330% | 790 |
| Loan loss allowance to noncurrent loans | 288.5377% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 0.3965% | 1,616 |
| Noncurrent loans to loans | 0.5659% | 1,594 |
| Net loans and leases to total assets | 68.9100% | 2,027 |
| Net loans and leases to deposits | 82.6258% | 1,960 |
| Net loans and leases to core deposits | 100.8130% | 1,433 |
| Total domestic deposits to total assets | 83.4000% | 2,767 |
| Equity capital to assets | 7.6473% | 3,650 |
| Core capital (leverage) ratio | 9.4131% | 3,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $647,227,000 | 1,425 |
| Average earning assets | $616,739,000 | 1,389 |
| Average equity | $48,958,667 | 1,716 |
| Average total loans | $454,552,667 | 1,391 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7193% | 1,453 |
| Cost of funding earning assets | 2.4505% | 1,077 |
| Net interest margin | 3.2688% | 2,406 |
| Noninterest income to average assets | 0.5000% | 1,781 |
| Noninterest expense to average assets | 2.1036% | 3,297 |
| Loan and lease loss provision to assets | 0.0100% | 2,366 |
| Net operating income to assets | 1.4970% | 906 |
| Return on assets (ROA) | 1.4970% | 918 |
| Pretax return on assets | 1.4970% | 1,255 |
| Return on Equity (ROE) | 19.9000% | 444 |
| Retained earnings to average equity (ytd only) | 13.1442% | 588 |
| Net charge-offs to loans | -0.1743% | 4,512 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 58.2713% | 3,414 |
| Assets per employee ($millions) | 6.0479% | 2,804 |
| Cash dividends to net income (ytd only)* | 33.9599% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6655% | 733 |
| Loan loss allowance to noncurrent loans | 198.2677% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 0.5833% | 1,105 |
| Noncurrent loans to loans | 0.8400% | 1,051 |
| Net loans and leases to total assets | 68.2800% | 1,986 |
| Net loans and leases to deposits | 81.8184% | 1,904 |
| Net loans and leases to core deposits | 101.5862% | 1,323 |
| Total domestic deposits to total assets | 83.4500% | 2,879 |
| Equity capital to assets | 7.4807% | 3,688 |
| Core capital (leverage) ratio | 9.4704% | 3,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $639,672,000 | 1,447 |
| Average earning assets | $609,511,000 | 1,407 |
| Average equity | $48,112,500 | 1,723 |
| Average total loans | $449,828,000 | 1,401 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2543% | 1,564 |
| Cost of funding earning assets | 1.7584% | 1,329 |
| Net interest margin | 3.4958% | 2,192 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 2.2396% | 3,010 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 1.4964% | 1,026 |
| Return on assets (ROA) | 1.4775% | 1,035 |
| Pretax return on assets | 1.4775% | 1,476 |
| Return on Equity (ROE) | 20.9200% | 539 |
| Retained earnings to average equity (ytd only) | 7.9605% | 1,549 |
| Net charge-offs to loans | -0.1539% | 4,540 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 58.2320% | 3,271 |
| Assets per employee ($millions) | 5.6925% | 3,080 |
| Cash dividends to net income (ytd only)* | 61.9480% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6458% | 767 |
| Loan loss allowance to noncurrent loans | 106.9483% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 1.0963% | 426 |
| Noncurrent loans to loans | 1.5389% | 438 |
| Net loans and leases to total assets | 70.0700% | 1,801 |
| Net loans and leases to deposits | 84.3833% | 1,746 |
| Net loans and leases to core deposits | 102.8364% | 1,290 |
| Total domestic deposits to total assets | 83.0400% | 2,884 |
| Equity capital to assets | 7.5639% | 3,677 |
| Core capital (leverage) ratio | 9.3434% | 3,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $626,817,200 | 1,420 |
| Average earning assets | $597,230,600 | 1,383 |
| Average equity | $44,268,600 | 1,752 |
| Average total loans | $431,577,400 | 1,391 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2198% | 1,419 |
| Cost of funding earning assets | 1.6653% | 1,247 |
| Net interest margin | 3.5546% | 2,101 |
| Noninterest income to average assets | 0.5100% | 1,913 |
| Noninterest expense to average assets | 2.1306% | 3,269 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 1.6204% | 906 |
| Return on assets (ROA) | 1.5917% | 948 |
| Pretax return on assets | 1.5917% | 1,378 |
| Return on Equity (ROE) | 22.9400% | 494 |
| Retained earnings to average equity (ytd only) | 14.3737% | 631 |
| Net charge-offs to loans | -0.2115% | 4,573 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 54.6680% | 3,531 |
| Assets per employee ($millions) | 6.1097% | 2,650 |
| Cash dividends to net income (ytd only)* | 37.3547% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6840% | 729 |
| Loan loss allowance to noncurrent loans | 90.9394% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 1.2856% | 331 |
| Noncurrent loans to loans | 1.8517% | 347 |
| Net loans and leases to total assets | 68.2600% | 2,017 |
| Net loans and leases to deposits | 77.9860% | 2,244 |
| Net loans and leases to core deposits | 92.6794% | 1,755 |
| Total domestic deposits to total assets | 87.5200% | 1,733 |
| Equity capital to assets | 6.9509% | 3,636 |
| Core capital (leverage) ratio | 9.3822% | 3,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $626,978,000 | 1,421 |
| Average earning assets | $597,601,500 | 1,384 |
| Average equity | $43,495,000 | 1,764 |
| Average total loans | $427,944,500 | 1,390 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1144% | 1,343 |
| Cost of funding earning assets | 1.5588% | 1,147 |
| Net interest margin | 3.5556% | 2,138 |
| Noninterest income to average assets | 0.5000% | 1,875 |
| Noninterest expense to average assets | 2.0862% | 3,386 |
| Loan and lease loss provision to assets | 0.2000% | 537 |
| Net operating income to assets | 1.6107% | 933 |
| Return on assets (ROA) | 1.6107% | 935 |
| Pretax return on assets | 1.6107% | 1,389 |
| Return on Equity (ROE) | 23.2300% | 474 |
| Retained earnings to average equity (ytd only) | 15.5116% | 514 |
| Net charge-offs to loans | 0.0226% | 1,430 |
| Credit loss provision to net charge-offs | 1,277.0833% | 343 |
| Earnings coverage of net charge-offs (x) | 117.8333% | 853 |
| Efficiency ratio | 53.5937% | 3,647 |
| Assets per employee ($millions) | 5.8832% | 2,813 |
| Cash dividends to net income (ytd only)* | 33.2342% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4981% | 1,187 |
| Loan loss allowance to noncurrent loans | 73.1533% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 1.4105% | 258 |
| Noncurrent loans to loans | 2.0479% | 264 |
| Net loans and leases to total assets | 67.8400% | 1,971 |
| Net loans and leases to deposits | 77.3784% | 2,188 |
| Net loans and leases to core deposits | 89.9561% | 1,802 |
| Total domestic deposits to total assets | 87.6800% | 1,712 |
| Equity capital to assets | 6.9821% | 3,811 |
| Core capital (leverage) ratio | 9.2163% | 3,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $626,205,333 | 1,422 |
| Average earning assets | $596,869,000 | 1,387 |
| Average equity | $43,412,667 | 1,766 |
| Average total loans | $424,963,000 | 1,390 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9835% | 1,258 |
| Cost of funding earning assets | 1.4623% | 911 |
| Net interest margin | 3.5212% | 2,308 |
| Noninterest income to average assets | 0.4900% | 1,878 |
| Noninterest expense to average assets | 1.9118% | 3,826 |
| Loan and lease loss provision to assets | 0.2000% | 511 |
| Net operating income to assets | 1.7342% | 771 |
| Return on assets (ROA) | 1.7342% | 763 |
| Pretax return on assets | 1.7342% | 1,206 |
| Return on Equity (ROE) | 25.1100% | 398 |
| Retained earnings to average equity (ytd only) | 17.5325% | 557 |
| Net charge-offs to loans | 0.0268% | 1,159 |
| Credit loss provision to net charge-offs | 1,125.0000% | 335 |
| Earnings coverage of net charge-offs (x) | 107.5000% | 754 |
| Efficiency ratio | 49.6740% | 3,967 |
| Assets per employee ($millions) | 6.2222% | 2,567 |
| Cash dividends to net income (ytd only)* | 30.1670% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4771% | 1,352 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 65.3400% | 2,125 |
| Net loans and leases to deposits | 74.3663% | 2,269 |
| Net loans and leases to core deposits | 87.3159% | 1,783 |
| Total domestic deposits to total assets | 87.8600% | 1,972 |
| Equity capital to assets | 7.0025% | 3,828 |
| Core capital (leverage) ratio | 9.0675% | 3,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $621,616,000 | 1,454 |
| Average earning assets | $592,756,000 | 1,414 |
| Average equity | $42,937,500 | 1,798 |
| Average total loans | $418,634,000 | 1,421 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2413% | 1,175 |
| Cost of funding earning assets | 0.6326% | 781 |
| Net interest margin | 3.6087% | 1,621 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 2.2973% | 2,744 |
| Loan and lease loss provision to assets | 0.1800% | 616 |
| Net operating income to assets | 1.4679% | 963 |
| Return on assets (ROA) | 1.4672% | 926 |
| Pretax return on assets | 1.4672% | 1,547 |
| Return on Equity (ROE) | 19.5200% | 520 |
| Retained earnings to average equity (ytd only) | 9.0023% | 1,480 |
| Net charge-offs to loans | 0.0993% | 736 |
| Credit loss provision to net charge-offs | 280.5195% | 946 |
| Earnings coverage of net charge-offs (x) | 25.4805% | 1,769 |
| Efficiency ratio | 58.2073% | 3,312 |
| Assets per employee ($millions) | 5.6825% | 3,046 |
| Cash dividends to net income (ytd only)* | 53.8735% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4583% | 1,316 |
| Loan loss allowance to noncurrent loans | 28,628.5714% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 3,888 |
| Noncurrent loans to loans | 0.0051% | 3,839 |
| Net loans and leases to total assets | 67.4400% | 1,891 |
| Net loans and leases to deposits | 77.3768% | 2,004 |
| Net loans and leases to core deposits | 91.0571% | 1,454 |
| Total domestic deposits to total assets | 87.1600% | 2,340 |
| Equity capital to assets | 6.8062% | 3,766 |
| Core capital (leverage) ratio | 9.1991% | 3,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $594,738,600 | 1,498 |
| Average earning assets | $566,872,800 | 1,461 |
| Average equity | $44,711,000 | 1,760 |
| Average total loans | $387,561,600 | 1,436 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0989% | 1,076 |
| Cost of funding earning assets | 0.5346% | 623 |
| Net interest margin | 3.5643% | 1,480 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 2.2112% | 2,904 |
| Loan and lease loss provision to assets | 0.2100% | 415 |
| Net operating income to assets | 1.4862% | 879 |
| Return on assets (ROA) | 1.4853% | 867 |
| Pretax return on assets | 1.4853% | 1,459 |
| Return on Equity (ROE) | 19.2900% | 501 |
| Retained earnings to average equity (ytd only) | 13.0848% | 595 |
| Net charge-offs to loans | 0.1682% | 391 |
| Credit loss provision to net charge-offs | 191.2682% | 1,001 |
| Earnings coverage of net charge-offs (x) | 15.6507% | 1,839 |
| Efficiency ratio | 56.6359% | 3,557 |
| Assets per employee ($millions) | 5.6215% | 3,108 |
| Cash dividends to net income (ytd only)* | 32.1775% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4525% | 1,444 |
| Loan loss allowance to noncurrent loans | 1,804.3887% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.0535% | 3,346 |
| Noncurrent loans to loans | 0.0805% | 3,301 |
| Net loans and leases to total assets | 65.5400% | 1,929 |
| Net loans and leases to deposits | 72.5898% | 2,163 |
| Net loans and leases to core deposits | 85.1071% | 1,578 |
| Total domestic deposits to total assets | 90.2900% | 1,533 |
| Equity capital to assets | 6.6568% | 3,674 |
| Core capital (leverage) ratio | 9.4487% | 3,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $592,836,750 | 1,504 |
| Average earning assets | $565,403,000 | 1,473 |
| Average equity | $45,639,500 | 1,759 |
| Average total loans | $381,387,750 | 1,446 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9762% | 971 |
| Cost of funding earning assets | 0.4712% | 620 |
| Net interest margin | 3.5050% | 1,301 |
| Noninterest income to average assets | 0.4991% | 2,209 |
| Noninterest expense to average assets | 2.1388% | 3,031 |
| Loan and lease loss provision to assets | 0.2061% | 395 |
| Net operating income to assets | 1.4974% | 717 |
| Return on assets (ROA) | 1.4977% | 693 |
| Pretax return on assets | 1.4977% | 1,174 |
| Return on Equity (ROE) | 18.6099% | 412 |
| Retained earnings to average equity (ytd only) | 13.0546% | 460 |
| Net charge-offs to loans | 0.1929% | 335 |
| Credit loss provision to net charge-offs | 168.0441% | 1,047 |
| Earnings coverage of net charge-offs (x) | 13.8871% | 1,674 |
| Efficiency ratio | 55.6640% | 3,807 |
| Assets per employee ($millions) | 5.7954% | 2,928 |
| Cash dividends to net income (ytd only)* | 29.8511% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4126% | 1,701 |
| Loan loss allowance to noncurrent loans | 1,170.9474% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.0859% | 3,122 |
| Noncurrent loans to loans | 0.1206% | 3,127 |
| Net loans and leases to total assets | 64.4062% | 1,860 |
| Net loans and leases to deposits | 70.9834% | 2,112 |
| Net loans and leases to core deposits | 81.8026% | 1,604 |
| Total domestic deposits to total assets | 90.7341% | 1,368 |
| Equity capital to assets | 6.9668% | 3,790 |
| Core capital (leverage) ratio | 9.2721% | 3,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $591,824,000 | 1,520 |
| Average earning assets | $564,502,000 | 1,483 |
| Average equity | $47,630,667 | 1,743 |
| Average total loans | $376,419,333 | 1,452 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9147% | 905 |
| Cost of funding earning assets | 0.4440% | 680 |
| Net interest margin | 3.4707% | 1,141 |
| Noninterest income to average assets | 0.4966% | 2,155 |
| Noninterest expense to average assets | 2.0260% | 3,368 |
| Loan and lease loss provision to assets | 0.2081% | 346 |
| Net operating income to assets | 1.5737% | 547 |
| Return on assets (ROA) | 1.5737% | 538 |
| Pretax return on assets | 1.5737% | 872 |
| Return on Equity (ROE) | 18.2910% | 314 |
| Retained earnings to average equity (ytd only) | 18.2910% | 135 |
| Net charge-offs to loans | -0.0196% | 3,896 |
| Credit loss provision to net charge-offs | -1,694.4444% | 3,362 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2067% | 4,108 |
| Assets per employee ($millions) | 5.7930% | 3,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4894% | 1,581 |
| Loan loss allowance to noncurrent loans | 5,584.1584% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.0244% | 3,799 |
| Noncurrent loans to loans | 0.0267% | 3,804 |
| Net loans and leases to total assets | 63.1303% | 1,727 |
| Net loans and leases to deposits | 70.2460% | 1,943 |
| Net loans and leases to core deposits | 81.3683% | 1,394 |
| Total domestic deposits to total assets | 89.8703% | 1,645 |
| Equity capital to assets | 8.0318% | 3,540 |
| Core capital (leverage) ratio | 9.2514% | 3,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $586,377,500 | 1,543 |
| Average earning assets | $559,431,000 | 1,503 |
| Average equity | $50,451,000 | 1,728 |
| Average total loans | $367,754,500 | 1,464 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9801% | 1,407 |
| Cost of funding earning assets | 0.5815% | 600 |
| Net interest margin | 3.3986% | 2,038 |
| Noninterest income to average assets | 0.4980% | 2,575 |
| Noninterest expense to average assets | 2.0885% | 3,416 |
| Loan and lease loss provision to assets | 0.2163% | 477 |
| Net operating income to assets | 1.4290% | 1,184 |
| Return on assets (ROA) | 1.4648% | 1,155 |
| Pretax return on assets | 1.4648% | 1,837 |
| Return on Equity (ROE) | 15.2517% | 895 |
| Retained earnings to average equity (ytd only) | 8.2624% | 1,438 |
| Net charge-offs to loans | -0.0021% | 3,372 |
| Credit loss provision to net charge-offs | -17,285.7143% | 4,259 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9343% | 3,714 |
| Assets per employee ($millions) | 5.7046% | 3,050 |
| Cash dividends to net income (ytd only)* | 45.8262% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4895% | 1,591 |
| Loan loss allowance to noncurrent loans | 12,963.4146% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.0070% | 4,098 |
| Noncurrent loans to loans | 0.0115% | 4,008 |
| Net loans and leases to total assets | 60.4133% | 2,118 |
| Net loans and leases to deposits | 68.0786% | 2,307 |
| Net loans and leases to core deposits | 79.3530% | 1,651 |
| Total domestic deposits to total assets | 88.7404% | 1,646 |
| Equity capital to assets | 9.1847% | 3,438 |
| Core capital (leverage) ratio | 9.0057% | 3,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $559,406,000 | 1,543 |
| Average earning assets | $532,594,200 | 1,510 |
| Average equity | $53,725,200 | 1,661 |
| Average total loans | $331,924,000 | 1,584 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0141% | 1,504 |
| Cost of funding earning assets | 0.6138% | 597 |
| Net interest margin | 3.4003% | 2,154 |
| Noninterest income to average assets | 0.4955% | 2,641 |
| Noninterest expense to average assets | 2.0103% | 3,640 |
| Loan and lease loss provision to assets | 0.2180% | 452 |
| Net operating income to assets | 1.5031% | 1,267 |
| Return on assets (ROA) | 1.5406% | 1,217 |
| Pretax return on assets | 1.5406% | 1,875 |
| Return on Equity (ROE) | 15.8596% | 978 |
| Retained earnings to average equity (ytd only) | 11.1134% | 1,038 |
| Net charge-offs to loans | -0.0045% | 3,398 |
| Credit loss provision to net charge-offs | -8,227.2727% | 4,194 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8779% | 3,830 |
| Assets per employee ($millions) | 5.8429% | 2,839 |
| Cash dividends to net income (ytd only)* | 29.9266% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4220% | 1,931 |
| Loan loss allowance to noncurrent loans | 3,714.0741% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.0322% | 3,948 |
| Noncurrent loans to loans | 0.0383% | 3,934 |
| Net loans and leases to total assets | 60.0911% | 2,250 |
| Net loans and leases to deposits | 68.6776% | 2,374 |
| Net loans and leases to core deposits | 79.8179% | 1,752 |
| Total domestic deposits to total assets | 87.4973% | 2,109 |
| Equity capital to assets | 9.6015% | 3,287 |
| Core capital (leverage) ratio | 9.1468% | 3,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $553,790,250 | 1,572 |
| Average earning assets | $527,002,250 | 1,542 |
| Average equity | $53,795,750 | 1,676 |
| Average total loans | $325,694,750 | 1,635 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0468% | 1,460 |
| Cost of funding earning assets | 0.6458% | 589 |
| Net interest margin | 3.4010% | 2,138 |
| Noninterest income to average assets | 0.4942% | 2,645 |
| Noninterest expense to average assets | 1.9558% | 3,824 |
| Loan and lease loss provision to assets | 0.2200% | 479 |
| Net operating income to assets | 1.5521% | 1,165 |
| Return on assets (ROA) | 1.5892% | 1,128 |
| Pretax return on assets | 1.5892% | 1,769 |
| Return on Equity (ROE) | 16.2926% | 899 |
| Retained earnings to average equity (ytd only) | 12.1020% | 893 |
| Net charge-offs to loans | 0.0069% | 1,882 |
| Credit loss provision to net charge-offs | 5,454.5455% | 124 |
| Earnings coverage of net charge-offs (x) | 439.4545% | 295 |
| Efficiency ratio | 52.4634% | 3,995 |
| Assets per employee ($millions) | 5.5581% | 3,058 |
| Cash dividends to net income (ytd only)* | 25.7209% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4142% | 1,911 |
| Loan loss allowance to noncurrent loans | 494.4093% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 0.1689% | 3,138 |
| Noncurrent loans to loans | 0.2860% | 2,902 |
| Net loans and leases to total assets | 58.2038% | 2,646 |
| Net loans and leases to deposits | 66.8753% | 2,739 |
| Net loans and leases to core deposits | 77.0006% | 2,138 |
| Total domestic deposits to total assets | 87.0334% | 2,299 |
| Equity capital to assets | 9.6912% | 3,157 |
| Core capital (leverage) ratio | 9.1339% | 3,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $545,569,667 | 1,586 |
| Average earning assets | $518,729,333 | 1,551 |
| Average equity | $53,214,333 | 1,688 |
| Average total loans | $316,722,333 | 1,669 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9792% | 1,644 |
| Cost of funding earning assets | 0.6854% | 576 |
| Net interest margin | 3.2938% | 2,412 |
| Noninterest income to average assets | 0.4732% | 2,733 |
| Noninterest expense to average assets | 1.8844% | 4,022 |
| Loan and lease loss provision to assets | 0.2343% | 475 |
| Net operating income to assets | 1.4864% | 1,358 |
| Return on assets (ROA) | 1.5615% | 1,260 |
| Pretax return on assets | 1.5615% | 1,826 |
| Return on Equity (ROE) | 15.9559% | 1,024 |
| Retained earnings to average equity (ytd only) | 15.9559% | 525 |
| Net charge-offs to loans | -0.0078% | 3,561 |
| Credit loss provision to net charge-offs | -5,250.0000% | 3,728 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2699% | 3,969 |
| Assets per employee ($millions) | 5.7216% | 2,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3584% | 2,160 |
| Loan loss allowance to noncurrent loans | 467.7249% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 0.1668% | 3,328 |
| Noncurrent loans to loans | 0.2904% | 3,064 |
| Net loans and leases to total assets | 56.6608% | 2,961 |
| Net loans and leases to deposits | 64.7729% | 3,051 |
| Net loans and leases to core deposits | 74.6413% | 2,457 |
| Total domestic deposits to total assets | 87.4761% | 2,106 |
| Equity capital to assets | 9.3033% | 3,383 |
| Core capital (leverage) ratio | 9.3527% | 3,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $537,672,000 | 1,589 |
| Average earning assets | $511,257,000 | 1,559 |
| Average equity | $52,620,000 | 1,696 |
| Average total loans | $309,372,000 | 1,699 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2746% | 1,943 |
| Cost of funding earning assets | 1.0213% | 548 |
| Net interest margin | 3.2533% | 3,197 |
| Noninterest income to average assets | 0.5373% | 2,477 |
| Noninterest expense to average assets | 2.2827% | 3,455 |
| Loan and lease loss provision to assets | 0.2928% | 1,296 |
| Net operating income to assets | 1.0325% | 2,167 |
| Return on assets (ROA) | 1.0689% | 2,173 |
| Pretax return on assets | 1.0689% | 2,819 |
| Return on Equity (ROE) | 10.4727% | 1,820 |
| Retained earnings to average equity (ytd only) | 5.0610% | 2,249 |
| Net charge-offs to loans | 0.1722% | 963 |
| Credit loss provision to net charge-offs | 294.7917% | 1,760 |
| Earnings coverage of net charge-offs (x) | 13.3417% | 2,284 |
| Efficiency ratio | 63.2672% | 2,932 |
| Assets per employee ($millions) | 5.1929% | 3,170 |
| Cash dividends to net income (ytd only)* | 51.6747% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3969% | 1,983 |
| Loan loss allowance to noncurrent loans | 569.9583% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.1413% | 3,588 |
| Noncurrent loans to loans | 0.2451% | 3,318 |
| Net loans and leases to total assets | 56.8431% | 3,219 |
| Net loans and leases to deposits | 65.9943% | 3,271 |
| Net loans and leases to core deposits | 76.7137% | 2,658 |
| Total domestic deposits to total assets | 86.1333% | 2,312 |
| Equity capital to assets | 10.3246% | 2,809 |
| Core capital (leverage) ratio | 9.4614% | 3,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $483,193,400 | 1,598 |
| Average earning assets | $456,084,200 | 1,577 |
| Average equity | $49,318,600 | 1,714 |
| Average total loans | $278,766,200 | 1,782 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3223% | 2,036 |
| Cost of funding earning assets | 1.0894% | 558 |
| Net interest margin | 3.2329% | 3,387 |
| Noninterest income to average assets | 0.5428% | 2,410 |
| Noninterest expense to average assets | 2.2249% | 3,622 |
| Loan and lease loss provision to assets | 0.2951% | 1,372 |
| Net operating income to assets | 1.0702% | 2,077 |
| Return on assets (ROA) | 1.1161% | 2,047 |
| Pretax return on assets | 1.1161% | 2,691 |
| Return on Equity (ROE) | 10.9687% | 1,688 |
| Retained earnings to average equity (ytd only) | 6.5163% | 1,882 |
| Net charge-offs to loans | 0.2254% | 677 |
| Credit loss provision to net charge-offs | 226.8817% | 2,005 |
| Earnings coverage of net charge-offs (x) | 10.4989% | 2,354 |
| Efficiency ratio | 61.9723% | 3,086 |
| Assets per employee ($millions) | 5.0061% | 3,247 |
| Cash dividends to net income (ytd only)* | 40.5913% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3099% | 2,120 |
| Loan loss allowance to noncurrent loans | 938.2500% | 618 |
| Noncurrent assets plus other real estate owned to assets | 0.1145% | 3,856 |
| Noncurrent loans to loans | 0.1396% | 3,823 |
| Net loans and leases to total assets | 55.9253% | 3,628 |
| Net loans and leases to deposits | 64.9823% | 3,705 |
| Net loans and leases to core deposits | 76.2336% | 3,153 |
| Total domestic deposits to total assets | 86.0624% | 2,038 |
| Equity capital to assets | 10.2591% | 3,001 |
| Core capital (leverage) ratio | 9.5518% | 3,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $476,766,500 | 1,595 |
| Average earning assets | $449,406,500 | 1,572 |
| Average equity | $48,512,750 | 1,735 |
| Average total loans | $275,114,500 | 1,788 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4214% | 2,154 |
| Cost of funding earning assets | 1.1655% | 574 |
| Net interest margin | 3.2558% | 3,508 |
| Noninterest income to average assets | 0.5497% | 2,354 |
| Noninterest expense to average assets | 2.1869% | 3,827 |
| Loan and lease loss provision to assets | 0.2740% | 1,566 |
| Net operating income to assets | 1.1517% | 1,792 |
| Return on assets (ROA) | 1.1709% | 1,855 |
| Pretax return on assets | 1.1709% | 2,460 |
| Return on Equity (ROE) | 11.5418% | 1,468 |
| Retained earnings to average equity (ytd only) | 6.9842% | 1,670 |
| Net charge-offs to loans | 0.3737% | 425 |
| Credit loss provision to net charge-offs | 126.2327% | 2,250 |
| Earnings coverage of net charge-offs (x) | 6.5680% | 2,427 |
| Efficiency ratio | 60.5357% | 3,337 |
| Assets per employee ($millions) | 5.1876% | 2,947 |
| Cash dividends to net income (ytd only)* | 39.4881% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1480% | 2,788 |
| Loan loss allowance to noncurrent loans | 719.6507% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.0920% | 4,066 |
| Noncurrent loans to loans | 0.1595% | 3,817 |
| Net loans and leases to total assets | 56.9900% | 3,607 |
| Net loans and leases to deposits | 66.1459% | 3,707 |
| Net loans and leases to core deposits | 76.9590% | 3,199 |
| Total domestic deposits to total assets | 86.1580% | 1,943 |
| Equity capital to assets | 10.1242% | 3,093 |
| Core capital (leverage) ratio | 9.7023% | 3,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $467,149,667 | 1,597 |
| Average earning assets | $439,456,000 | 1,582 |
| Average equity | $47,393,000 | 1,753 |
| Average total loans | $271,312,333 | 1,790 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6166% | 1,953 |
| Cost of funding earning assets | 1.2516% | 652 |
| Net interest margin | 3.3651% | 3,410 |
| Noninterest income to average assets | 0.6252% | 1,930 |
| Noninterest expense to average assets | 2.1952% | 4,016 |
| Loan and lease loss provision to assets | 0.1771% | 1,673 |
| Net operating income to assets | 1.4195% | 944 |
| Return on assets (ROA) | 1.4345% | 987 |
| Pretax return on assets | 1.4345% | 1,470 |
| Return on Equity (ROE) | 14.1240% | 673 |
| Retained earnings to average equity (ytd only) | 14.1240% | 242 |
| Net charge-offs to loans | 0.0121% | 2,148 |
| Credit loss provision to net charge-offs | 2,500.0000% | 290 |
| Earnings coverage of net charge-offs (x) | 225.3750% | 308 |
| Efficiency ratio | 57.8935% | 4,014 |
| Assets per employee ($millions) | 4.9736% | 2,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2518% | 2,380 |
| Loan loss allowance to noncurrent loans | 110.0000% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 0.6666% | 2,000 |
| Noncurrent loans to loans | 1.1380% | 1,462 |
| Net loans and leases to total assets | 57.8387% | 3,683 |
| Net loans and leases to deposits | 67.0607% | 3,790 |
| Net loans and leases to core deposits | 80.5370% | 3,152 |
| Total domestic deposits to total assets | 86.2484% | 1,895 |
| Equity capital to assets | 9.7555% | 3,990 |
| Core capital (leverage) ratio | 10.3240% | 3,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $451,717,500 | 1,603 |
| Average earning assets | $425,071,000 | 1,576 |
| Average equity | $45,879,500 | 1,794 |
| Average total loans | $263,411,500 | 1,793 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5742% | 2,697 |
| Cost of funding earning assets | 1.2344% | 938 |
| Net interest margin | 3.3398% | 3,893 |
| Noninterest income to average assets | 0.6673% | 1,937 |
| Noninterest expense to average assets | 2.4551% | 3,563 |
| Loan and lease loss provision to assets | 0.1820% | 1,133 |
| Net operating income to assets | 1.1791% | 2,136 |
| Return on assets (ROA) | 1.1827% | 2,223 |
| Pretax return on assets | 1.1827% | 2,901 |
| Return on Equity (ROE) | 11.4403% | 1,720 |
| Retained earnings to average equity (ytd only) | 5.4473% | 2,194 |
| Net charge-offs to loans | 0.1823% | 1,100 |
| Credit loss provision to net charge-offs | 169.8925% | 1,528 |
| Earnings coverage of net charge-offs (x) | 12.7075% | 2,401 |
| Efficiency ratio | 64.3349% | 3,030 |
| Assets per employee ($millions) | 4.6445% | 3,026 |
| Cash dividends to net income (ytd only)* | 52.3856% | 1,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2221% | 2,313 |
| Loan loss allowance to noncurrent loans | 97.6838% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 0.7262% | 1,787 |
| Noncurrent loans to loans | 1.2511% | 1,200 |
| Net loans and leases to total assets | 57.3385% | 3,822 |
| Net loans and leases to deposits | 67.2008% | 3,879 |
| Net loans and leases to core deposits | 80.5522% | 3,249 |
| Total domestic deposits to total assets | 85.3241% | 2,376 |
| Equity capital to assets | 10.5684% | 3,376 |
| Core capital (leverage) ratio | 10.1852% | 3,316 |
| Tier 1 risk-based capital ratio | 14.7166% | 2,898 |
| Total risk-based capital ratio | 15.7425% | 2,923 |
| Memoranda: | ||
| Average total assets | $434,162,400 | 1,611 |
| Average earning assets | $409,335,800 | 1,588 |
| Average equity | $44,885,000 | 1,762 |
| Average total loans | $255,058,800 | 1,800 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5613% | 2,855 |
| Cost of funding earning assets | 1.2283% | 953 |
| Net interest margin | 3.3330% | 4,034 |
| Noninterest income to average assets | 0.6533% | 1,975 |
| Noninterest expense to average assets | 2.4397% | 3,589 |
| Loan and lease loss provision to assets | 0.1623% | 1,151 |
| Net operating income to assets | 1.1950% | 2,209 |
| Return on assets (ROA) | 1.1971% | 2,281 |
| Pretax return on assets | 1.1971% | 2,990 |
| Return on Equity (ROE) | 11.6468% | 1,737 |
| Retained earnings to average equity (ytd only) | 6.7137% | 2,005 |
| Net charge-offs to loans | -0.0199% | 4,583 |
| Credit loss provision to net charge-offs | -1,381.5789% | 4,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2537% | 2,962 |
| Assets per employee ($millions) | 4.6945% | 2,924 |
| Cash dividends to net income (ytd only)* | 42.3553% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3300% | 1,839 |
| Loan loss allowance to noncurrent loans | 254.3755% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 0.3030% | 3,339 |
| Noncurrent loans to loans | 0.5229% | 2,725 |
| Net loans and leases to total assets | 57.1767% | 3,952 |
| Net loans and leases to deposits | 67.1397% | 3,984 |
| Net loans and leases to core deposits | 80.4617% | 3,356 |
| Total domestic deposits to total assets | 85.1608% | 2,365 |
| Equity capital to assets | 10.6068% | 3,460 |
| Core capital (leverage) ratio | 10.2660% | 3,347 |
| Tier 1 risk-based capital ratio | 14.7520% | 2,977 |
| Total risk-based capital ratio | 15.8629% | 2,952 |
| Memoranda: | ||
| Average total assets | $431,236,000 | 1,630 |
| Average earning assets | $406,746,250 | 1,602 |
| Average equity | $44,326,000 | 1,788 |
| Average total loans | $254,119,250 | 1,819 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5522% | 2,834 |
| Cost of funding earning assets | 1.2173% | 945 |
| Net interest margin | 3.3349% | 4,066 |
| Noninterest income to average assets | 0.6380% | 1,983 |
| Noninterest expense to average assets | 2.4104% | 3,712 |
| Loan and lease loss provision to assets | 0.1613% | 1,124 |
| Net operating income to assets | 1.2125% | 2,103 |
| Return on assets (ROA) | 1.2125% | 2,166 |
| Pretax return on assets | 1.2125% | 2,874 |
| Return on Equity (ROE) | 11.9266% | 1,603 |
| Retained earnings to average equity (ytd only) | 6.8691% | 1,867 |
| Net charge-offs to loans | -0.0008% | 3,887 |
| Credit loss provision to net charge-offs | -34,500.0000% | 4,569 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6981% | 3,179 |
| Assets per employee ($millions) | 4.4407% | 3,233 |
| Cash dividends to net income (ytd only)* | 42.4056% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2640% | 2,171 |
| Loan loss allowance to noncurrent loans | 521.1129% | 988 |
| Noncurrent assets plus other real estate owned to assets | 0.1404% | 4,061 |
| Noncurrent loans to loans | 0.2426% | 3,670 |
| Net loans and leases to total assets | 57.1509% | 3,994 |
| Net loans and leases to deposits | 67.0507% | 4,019 |
| Net loans and leases to core deposits | 79.2799% | 3,481 |
| Total domestic deposits to total assets | 85.2352% | 2,370 |
| Equity capital to assets | 10.5116% | 3,509 |
| Core capital (leverage) ratio | 10.1932% | 3,388 |
| Tier 1 risk-based capital ratio | 15.0344% | 2,829 |
| Total risk-based capital ratio | 16.1146% | 2,818 |
| Memoranda: | ||
| Average total assets | $427,887,000 | 1,646 |
| Average earning assets | $403,671,670 | 1,616 |
| Average equity | $43,499,330 | 1,812 |
| Average total loans | $253,588,330 | 1,826 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4590% | 3,019 |
| Cost of funding earning assets | 1.1903% | 929 |
| Net interest margin | 3.2687% | 4,235 |
| Noninterest income to average assets | 0.6147% | 1,974 |
| Noninterest expense to average assets | 2.3496% | 3,897 |
| Loan and lease loss provision to assets | 0.1697% | 984 |
| Net operating income to assets | 1.1842% | 2,115 |
| Return on assets (ROA) | 1.1842% | 2,164 |
| Pretax return on assets | 1.1842% | 2,862 |
| Return on Equity (ROE) | 11.8556% | 1,592 |
| Retained earnings to average equity (ytd only) | 11.8556% | 638 |
| Net charge-offs to loans | 0.0141% | 2,201 |
| Credit loss provision to net charge-offs | 2,000.0000% | 217 |
| Earnings coverage of net charge-offs (x) | 159.5556% | 481 |
| Efficiency ratio | 63.4420% | 3,329 |
| Assets per employee ($millions) | 4.3727% | 3,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1899% | 2,635 |
| Loan loss allowance to noncurrent loans | 352.0468% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 0.1955% | 3,836 |
| Noncurrent loans to loans | 0.3380% | 3,366 |
| Net loans and leases to total assets | 57.1604% | 3,975 |
| Net loans and leases to deposits | 66.5842% | 4,009 |
| Net loans and leases to core deposits | 79.7409% | 3,395 |
| Total domestic deposits to total assets | 85.8468% | 2,341 |
| Equity capital to assets | 9.9871% | 3,844 |
| Core capital (leverage) ratio | 10.3291% | 3,247 |
| Tier 1 risk-based capital ratio | 15.3405% | 2,730 |
| Total risk-based capital ratio | 16.3884% | 2,734 |
| Memoranda: | ||
| Average total assets | $424,238,000 | 1,663 |
| Average earning assets | $400,897,000 | 1,631 |
| Average equity | $42,376,500 | 1,838 |
| Average total loans | $254,434,500 | 1,832 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3638% | 2,884 |
| Cost of funding earning assets | 0.8978% | 1,101 |
| Net interest margin | 3.4660% | 3,814 |
| Noninterest income to average assets | 0.6677% | 1,974 |
| Noninterest expense to average assets | 2.3953% | 3,890 |
| Loan and lease loss provision to assets | 0.1773% | 1,113 |
| Net operating income to assets | 1.3520% | 1,611 |
| Return on assets (ROA) | 1.3520% | 1,597 |
| Pretax return on assets | 1.3520% | 2,310 |
| Return on Equity (ROE) | 13.9409% | 1,058 |
| Retained earnings to average equity (ytd only) | 7.1658% | 1,595 |
| Net charge-offs to loans | 0.4528% | 400 |
| Credit loss provision to net charge-offs | 64.7163% | 3,051 |
| Earnings coverage of net charge-offs (x) | 5.5816% | 3,176 |
| Efficiency ratio | 61.0324% | 3,683 |
| Assets per employee ($millions) | 4.1120% | 3,734 |
| Cash dividends to net income (ytd only)* | 48.5986% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1094% | 3,037 |
| Loan loss allowance to noncurrent loans | 297.5891% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 0.2320% | 3,669 |
| Noncurrent loans to loans | 0.3728% | 3,203 |
| Net loans and leases to total assets | 61.5445% | 3,614 |
| Net loans and leases to deposits | 71.0895% | 3,743 |
| Net loans and leases to core deposits | 83.3736% | 3,143 |
| Total domestic deposits to total assets | 86.5733% | 1,976 |
| Equity capital to assets | 9.9907% | 3,692 |
| Core capital (leverage) ratio | 10.3491% | 3,203 |
| Tier 1 risk-based capital ratio | 15.4408% | 2,647 |
| Total risk-based capital ratio | 16.4645% | 2,668 |
| Memoranda: | ||
| Average total assets | $411,689,400 | 1,662 |
| Average earning assets | $386,842,200 | 1,636 |
| Average equity | $39,925,600 | 1,867 |
| Average total loans | $249,116,400 | 1,826 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3247% | 2,870 |
| Cost of funding earning assets | 0.8371% | 1,162 |
| Net interest margin | 3.4876% | 3,739 |
| Noninterest income to average assets | 0.6501% | 2,071 |
| Noninterest expense to average assets | 2.3755% | 3,911 |
| Loan and lease loss provision to assets | 0.1667% | 1,130 |
| Net operating income to assets | 1.3831% | 1,545 |
| Return on assets (ROA) | 1.3831% | 1,549 |
| Pretax return on assets | 1.3831% | 2,289 |
| Return on Equity (ROE) | 14.3702% | 1,019 |
| Retained earnings to average equity (ytd only) | 8.7997% | 1,307 |
| Net charge-offs to loans | 0.4882% | 324 |
| Credit loss provision to net charge-offs | 56.8433% | 2,778 |
| Earnings coverage of net charge-offs (x) | 5.2837% | 2,966 |
| Efficiency ratio | 60.5163% | 3,739 |
| Assets per employee ($millions) | 4.5520% | 3,038 |
| Cash dividends to net income (ytd only)* | 38.7639% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1179% | 3,087 |
| Loan loss allowance to noncurrent loans | 248.6463% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 0.3368% | 3,326 |
| Noncurrent loans to loans | 0.4496% | 3,046 |
| Net loans and leases to total assets | 60.7929% | 3,766 |
| Net loans and leases to deposits | 70.0170% | 3,917 |
| Net loans and leases to core deposits | 82.5988% | 3,288 |
| Total domestic deposits to total assets | 86.8259% | 1,811 |
| Equity capital to assets | 9.6692% | 3,938 |
| Core capital (leverage) ratio | 10.1360% | 3,486 |
| Tier 1 risk-based capital ratio | 15.4142% | 2,685 |
| Total risk-based capital ratio | 16.4446% | 2,716 |
| Memoranda: | ||
| Average total assets | $411,811,000 | 1,669 |
| Average earning assets | $386,729,500 | 1,644 |
| Average equity | $39,636,500 | 1,880 |
| Average total loans | $247,417,500 | 1,847 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2897% | 2,800 |
| Cost of funding earning assets | 0.7782% | 1,234 |
| Net interest margin | 3.5116% | 3,596 |
| Noninterest income to average assets | 0.6375% | 2,147 |
| Noninterest expense to average assets | 2.3294% | 4,078 |
| Loan and lease loss provision to assets | 0.1654% | 1,113 |
| Net operating income to assets | 1.4365% | 1,324 |
| Return on assets (ROA) | 1.4365% | 1,324 |
| Pretax return on assets | 1.4365% | 2,034 |
| Return on Equity (ROE) | 14.9477% | 863 |
| Retained earnings to average equity (ytd only) | 9.4031% | 1,093 |
| Net charge-offs to loans | 0.7282% | 200 |
| Credit loss provision to net charge-offs | 38.1166% | 2,574 |
| Earnings coverage of net charge-offs (x) | 3.6906% | 2,855 |
| Efficiency ratio | 59.2524% | 4,046 |
| Assets per employee ($millions) | 4.5643% | 3,027 |
| Cash dividends to net income (ytd only)* | 37.0935% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0755% | 3,406 |
| Loan loss allowance to noncurrent loans | 546.6395% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.1765% | 4,101 |
| Noncurrent loans to loans | 0.1967% | 4,020 |
| Net loans and leases to total assets | 58.7917% | 3,918 |
| Net loans and leases to deposits | 67.5188% | 4,052 |
| Net loans and leases to core deposits | 79.5160% | 3,459 |
| Total domestic deposits to total assets | 87.0745% | 1,808 |
| Equity capital to assets | 9.4791% | 4,127 |
| Core capital (leverage) ratio | 10.1419% | 3,434 |
| Tier 1 risk-based capital ratio | 15.3936% | 2,691 |
| Total risk-based capital ratio | 16.3803% | 2,734 |
| Memoranda: | ||
| Average total assets | $411,004,330 | 1,673 |
| Average earning assets | $385,527,670 | 1,658 |
| Average equity | $39,497,670 | 1,886 |
| Average total loans | $245,000,000 | 1,866 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2567% | 2,680 |
| Cost of funding earning assets | 0.7493% | 1,196 |
| Net interest margin | 3.5073% | 3,507 |
| Noninterest income to average assets | 0.6513% | 2,025 |
| Noninterest expense to average assets | 2.1901% | 4,444 |
| Loan and lease loss provision to assets | 0.1673% | 1,066 |
| Net operating income to assets | 1.5821% | 894 |
| Return on assets (ROA) | 1.5821% | 900 |
| Pretax return on assets | 1.5821% | 1,445 |
| Return on Equity (ROE) | 16.3479% | 572 |
| Retained earnings to average equity (ytd only) | 10.8071% | 938 |
| Net charge-offs to loans | 1.6842% | 76 |
| Credit loss provision to net charge-offs | 16.6341% | 2,146 |
| Earnings coverage of net charge-offs (x) | 1.7397% | 2,528 |
| Efficiency ratio | 55.5944% | 4,634 |
| Assets per employee ($millions) | 4.4361% | 3,272 |
| Cash dividends to net income (ytd only)* | 33.8930% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9810% | 4,058 |
| Loan loss allowance to noncurrent loans | 931.2500% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.1241% | 4,466 |
| Noncurrent loans to loans | 0.1053% | 4,502 |
| Net loans and leases to total assets | 58.3293% | 3,913 |
| Net loans and leases to deposits | 66.2783% | 4,068 |
| Net loans and leases to core deposits | 80.9192% | 3,249 |
| Total domestic deposits to total assets | 88.0066% | 1,617 |
| Equity capital to assets | 9.5234% | 4,070 |
| Core capital (leverage) ratio | 10.1167% | 3,406 |
| Tier 1 risk-based capital ratio | 15.7070% | 2,586 |
| Total risk-based capital ratio | 16.6186% | 2,650 |
| Memoranda: | ||
| Average total assets | $406,549,000 | 1,709 |
| Average earning assets | $381,142,500 | 1,696 |
| Average equity | $39,344,500 | 1,899 |
| Average total loans | $242,720,500 | 1,885 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2797% | 2,396 |
| Cost of funding earning assets | 0.6550% | 1,272 |
| Net interest margin | 3.6248% | 3,088 |
| Noninterest income to average assets | 0.7395% | 1,806 |
| Noninterest expense to average assets | 2.5800% | 3,508 |
| Loan and lease loss provision to assets | 0.6357% | 197 |
| Net operating income to assets | 0.9144% | 2,634 |
| Return on assets (ROA) | 1.0570% | 2,051 |
| Pretax return on assets | 1.0570% | 3,354 |
| Return on Equity (ROE) | 10.4293% | 1,704 |
| Retained earnings to average equity (ytd only) | 5.0456% | 2,095 |
| Net charge-offs to loans | 1.1294% | 147 |
| Credit loss provision to net charge-offs | 96.5690% | 2,674 |
| Earnings coverage of net charge-offs (x) | 2.3547% | 3,754 |
| Efficiency ratio | 62.4677% | 3,863 |
| Assets per employee ($millions) | 4.3068% | 3,475 |
| Cash dividends to net income (ytd only)* | 51.6206% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3353% | 2,049 |
| Loan loss allowance to noncurrent loans | 206.0471% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 0.3922% | 3,291 |
| Noncurrent loans to loans | 0.6481% | 2,600 |
| Net loans and leases to total assets | 59.7138% | 3,854 |
| Net loans and leases to deposits | 68.1586% | 4,016 |
| Net loans and leases to core deposits | 83.1763% | 3,139 |
| Total domestic deposits to total assets | 87.6101% | 1,697 |
| Equity capital to assets | 9.8365% | 3,884 |
| Core capital (leverage) ratio | 9.9941% | 3,461 |
| Tier 1 risk-based capital ratio | 15.6511% | 2,565 |
| Total risk-based capital ratio | 16.9011% | 2,506 |
| Memoranda: | ||
| Average total assets | $394,035,000 | 1,727 |
| Average earning assets | $368,575,400 | 1,713 |
| Average equity | $39,935,400 | 1,864 |
| Average total loans | $229,689,000 | 1,938 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2944% | 2,278 |
| Cost of funding earning assets | 0.6416% | 1,295 |
| Net interest margin | 3.6527% | 2,940 |
| Noninterest income to average assets | 0.7349% | 1,851 |
| Noninterest expense to average assets | 2.5459% | 3,579 |
| Loan and lease loss provision to assets | 0.4587% | 278 |
| Net operating income to assets | 1.1481% | 1,889 |
| Return on assets (ROA) | 1.3390% | 1,250 |
| Pretax return on assets | 1.3390% | 2,331 |
| Return on Equity (ROE) | 13.1136% | 1,031 |
| Retained earnings to average equity (ytd only) | 7.7231% | 1,336 |
| Net charge-offs to loans | 0.0883% | 1,915 |
| Credit loss provision to net charge-offs | 900.0000% | 383 |
| Earnings coverage of net charge-offs (x) | 31.5259% | 1,505 |
| Efficiency ratio | 61.3075% | 3,998 |
| Assets per employee ($millions) | 4.2724% | 3,522 |
| Cash dividends to net income (ytd only)* | 41.1064% | 2,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8717% | 747 |
| Loan loss allowance to noncurrent loans | 111.1220% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 1.0689% | 1,567 |
| Noncurrent loans to loans | 1.6843% | 1,077 |
| Net loans and leases to total assets | 59.0849% | 3,956 |
| Net loans and leases to deposits | 68.1679% | 4,102 |
| Net loans and leases to core deposits | 85.3430% | 3,023 |
| Total domestic deposits to total assets | 86.6756% | 2,008 |
| Equity capital to assets | 10.2072% | 3,687 |
| Core capital (leverage) ratio | 10.0641% | 3,487 |
| Tier 1 risk-based capital ratio | 15.6908% | 2,633 |
| Total risk-based capital ratio | 16.9474% | 2,573 |
| Memoranda: | ||
| Average total assets | $392,409,500 | 1,749 |
| Average earning assets | $367,169,500 | 1,732 |
| Average equity | $40,069,500 | 1,872 |
| Average total loans | $226,508,000 | 1,965 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2806% | 2,195 |
| Cost of funding earning assets | 0.6319% | 1,250 |
| Net interest margin | 3.6486% | 2,847 |
| Noninterest income to average assets | 0.7433% | 1,799 |
| Noninterest expense to average assets | 2.5540% | 3,570 |
| Loan and lease loss provision to assets | 0.0925% | 2,141 |
| Net operating income to assets | 1.5164% | 835 |
| Return on assets (ROA) | 1.5164% | 859 |
| Pretax return on assets | 1.5164% | 1,579 |
| Return on Equity (ROE) | 14.8485% | 686 |
| Retained earnings to average equity (ytd only) | 9.4161% | 726 |
| Net charge-offs to loans | 0.0126% | 3,011 |
| Credit loss provision to net charge-offs | 1,285.7143% | 319 |
| Earnings coverage of net charge-offs (x) | 223.7143% | 378 |
| Efficiency ratio | 61.3524% | 4,113 |
| Assets per employee ($millions) | 4.1581% | 3,698 |
| Cash dividends to net income (ytd only)* | 36.5854% | 2,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5027% | 1,570 |
| Loan loss allowance to noncurrent loans | 83.2618% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 1.1058% | 1,572 |
| Noncurrent loans to loans | 1.8047% | 998 |
| Net loans and leases to total assets | 57.3420% | 4,092 |
| Net loans and leases to deposits | 66.2532% | 4,205 |
| Net loans and leases to core deposits | 82.7884% | 3,191 |
| Total domestic deposits to total assets | 86.5498% | 2,153 |
| Equity capital to assets | 10.3408% | 3,524 |
| Core capital (leverage) ratio | 10.0923% | 3,415 |
| Tier 1 risk-based capital ratio | 15.3940% | 2,750 |
| Total risk-based capital ratio | 16.6457% | 2,691 |
| Memoranda: | ||
| Average total assets | $389,342,670 | 1,763 |
| Average earning assets | $364,904,670 | 1,745 |
| Average equity | $39,761,670 | 1,881 |
| Average total loans | $221,405,000 | 1,999 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2678% | 2,049 |
| Cost of funding earning assets | 0.6235% | 1,223 |
| Net interest margin | 3.6443% | 2,718 |
| Noninterest income to average assets | 0.7741% | 1,645 |
| Noninterest expense to average assets | 2.4858% | 3,850 |
| Loan and lease loss provision to assets | 0.1093% | 1,752 |
| Net operating income to assets | 1.5909% | 689 |
| Return on assets (ROA) | 1.5909% | 704 |
| Pretax return on assets | 1.5909% | 1,263 |
| Return on Equity (ROE) | 15.6806% | 570 |
| Retained earnings to average equity (ytd only) | 15.6806% | 210 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3835% | 4,547 |
| Assets per employee ($millions) | 4.1334% | 3,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5717% | 1,450 |
| Loan loss allowance to noncurrent loans | 87.8842% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 1.0579% | 1,700 |
| Noncurrent loans to loans | 1.7884% | 1,049 |
| Net loans and leases to total assets | 54.7171% | 4,282 |
| Net loans and leases to deposits | 63.6772% | 4,327 |
| Net loans and leases to core deposits | 82.0174% | 3,094 |
| Total domestic deposits to total assets | 85.9289% | 2,701 |
| Equity capital to assets | 10.2161% | 3,498 |
| Core capital (leverage) ratio | 10.3197% | 3,085 |
| Tier 1 risk-based capital ratio | 16.2639% | 2,453 |
| Total risk-based capital ratio | 17.5160% | 2,393 |
| Memoranda: | ||
| Average total assets | $384,426,500 | 1,796 |
| Average earning assets | $359,908,500 | 1,775 |
| Average equity | $39,003,500 | 1,918 |
| Average total loans | $215,914,000 | 2,053 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2880% | 2,178 |
| Cost of funding earning assets | 0.5980% | 1,346 |
| Net interest margin | 3.6901% | 2,738 |
| Noninterest income to average assets | 0.7304% | 2,035 |
| Noninterest expense to average assets | 2.6306% | 3,587 |
| Loan and lease loss provision to assets | 0.1164% | 2,127 |
| Net operating income to assets | 1.4424% | 930 |
| Return on assets (ROA) | 1.4651% | 917 |
| Pretax return on assets | 1.4651% | 1,696 |
| Return on Equity (ROE) | 14.1109% | 755 |
| Retained earnings to average equity (ytd only) | 6.5220% | 1,447 |
| Net charge-offs to loans | 0.0990% | 2,292 |
| Credit loss provision to net charge-offs | 210.1449% | 1,353 |
| Earnings coverage of net charge-offs (x) | 28.1449% | 1,484 |
| Efficiency ratio | 62.7922% | 4,135 |
| Assets per employee ($millions) | 3.9185% | 4,119 |
| Cash dividends to net income (ytd only)* | 53.7801% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5576% | 1,476 |
| Loan loss allowance to noncurrent loans | 87.8964% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 1.0867% | 1,731 |
| Noncurrent loans to loans | 1.7721% | 1,075 |
| Net loans and leases to total assets | 55.8806% | 4,275 |
| Net loans and leases to deposits | 65.0410% | 4,331 |
| Net loans and leases to core deposits | 84.9605% | 2,934 |
| Total domestic deposits to total assets | 85.9159% | 2,624 |
| Equity capital to assets | 10.0727% | 3,647 |
| Core capital (leverage) ratio | 10.1475% | 3,308 |
| Tier 1 risk-based capital ratio | 16.1516% | 2,487 |
| Total risk-based capital ratio | 17.4038% | 2,427 |
| Memoranda: | ||
| Average total assets | $373,751,800 | 1,792 |
| Average earning assets | $350,345,800 | 1,774 |
| Average equity | $38,807,000 | 1,891 |
| Average total loans | $209,152,600 | 2,050 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3262% | 2,093 |
| Cost of funding earning assets | 0.5987% | 1,341 |
| Net interest margin | 3.7275% | 2,606 |
| Noninterest income to average assets | 0.7118% | 2,121 |
| Noninterest expense to average assets | 2.5498% | 3,829 |
| Loan and lease loss provision to assets | 0.1161% | 1,993 |
| Net operating income to assets | 1.5429% | 808 |
| Return on assets (ROA) | 1.5697% | 806 |
| Pretax return on assets | 1.5697% | 1,466 |
| Return on Equity (ROE) | 15.0046% | 665 |
| Retained earnings to average equity (ytd only) | 9.5397% | 678 |
| Net charge-offs to loans | 0.0596% | 2,497 |
| Credit loss provision to net charge-offs | 349.4624% | 929 |
| Earnings coverage of net charge-offs (x) | 49.9235% | 1,070 |
| Efficiency ratio | 60.5824% | 4,454 |
| Assets per employee ($millions) | 4.1945% | 3,601 |
| Cash dividends to net income (ytd only)* | 36.4216% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5496% | 1,610 |
| Loan loss allowance to noncurrent loans | 80.0288% | 4,049 |
| Noncurrent assets plus other real estate owned to assets | 1.1232% | 1,801 |
| Noncurrent loans to loans | 1.9363% | 1,024 |
| Net loans and leases to total assets | 56.0431% | 4,305 |
| Net loans and leases to deposits | 66.7412% | 4,270 |
| Net loans and leases to core deposits | 86.0818% | 2,943 |
| Total domestic deposits to total assets | 83.9708% | 3,217 |
| Equity capital to assets | 10.8963% | 3,138 |
| Core capital (leverage) ratio | 10.1911% | 3,340 |
| Tier 1 risk-based capital ratio | 15.2990% | 2,915 |
| Total risk-based capital ratio | 16.5501% | 2,847 |
| Memoranda: | ||
| Average total assets | $373,145,500 | 1,797 |
| Average earning assets | $350,075,500 | 1,778 |
| Average equity | $39,036,000 | 1,890 |
| Average total loans | $208,056,750 | 2,067 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3270% | 2,065 |
| Cost of funding earning assets | 0.5884% | 1,416 |
| Net interest margin | 3.7387% | 2,558 |
| Noninterest income to average assets | 0.6984% | 2,150 |
| Noninterest expense to average assets | 2.4784% | 4,091 |
| Loan and lease loss provision to assets | 0.1157% | 1,956 |
| Net operating income to assets | 1.6191% | 687 |
| Return on assets (ROA) | 1.6191% | 736 |
| Pretax return on assets | 1.6191% | 1,310 |
| Return on Equity (ROE) | 15.6978% | 576 |
| Retained earnings to average equity (ytd only) | 10.1417% | 567 |
| Net charge-offs to loans | 0.0379% | 2,704 |
| Credit loss provision to net charge-offs | 551.2821% | 611 |
| Earnings coverage of net charge-offs (x) | 82.6667% | 687 |
| Efficiency ratio | 58.8250% | 4,789 |
| Assets per employee ($millions) | 4.2291% | 3,506 |
| Cash dividends to net income (ytd only)* | 35.3938% | 2,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5649% | 1,633 |
| Loan loss allowance to noncurrent loans | 861.5789% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.1219% | 5,023 |
| Noncurrent loans to loans | 0.1816% | 4,707 |
| Net loans and leases to total assets | 54.7136% | 4,441 |
| Net loans and leases to deposits | 64.1314% | 4,482 |
| Net loans and leases to core deposits | 81.9155% | 3,279 |
| Total domestic deposits to total assets | 85.3148% | 2,731 |
| Equity capital to assets | 10.6785% | 3,428 |
| Core capital (leverage) ratio | 9.9816% | 3,583 |
| Tier 1 risk-based capital ratio | 15.1564% | 3,003 |
| Total risk-based capital ratio | 16.4074% | 2,937 |
| Memoranda: | ||
| Average total assets | $371,692,670 | 1,804 |
| Average earning assets | $349,430,670 | 1,775 |
| Average equity | $38,336,670 | 1,919 |
| Average total loans | $205,777,330 | 2,088 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3746% | 1,877 |
| Cost of funding earning assets | 0.5922% | 1,386 |
| Net interest margin | 3.7824% | 2,362 |
| Noninterest income to average assets | 0.7115% | 1,981 |
| Noninterest expense to average assets | 2.4173% | 4,317 |
| Loan and lease loss provision to assets | 0.1137% | 1,841 |
| Net operating income to assets | 1.7155% | 554 |
| Return on assets (ROA) | 1.7155% | 591 |
| Pretax return on assets | 1.7155% | 1,034 |
| Return on Equity (ROE) | 16.9373% | 445 |
| Retained earnings to average equity (ytd only) | 16.9373% | 154 |
| Net charge-offs to loans | 0.0608% | 1,894 |
| Credit loss provision to net charge-offs | 338.7097% | 789 |
| Earnings coverage of net charge-offs (x) | 54.4839% | 830 |
| Efficiency ratio | 56.9243% | 5,101 |
| Assets per employee ($millions) | 4.1072% | 3,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5359% | 1,845 |
| Loan loss allowance to noncurrent loans | 815.4242% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.1252% | 5,068 |
| Noncurrent loans to loans | 0.1884% | 4,734 |
| Net loans and leases to total assets | 54.4080% | 4,412 |
| Net loans and leases to deposits | 63.5355% | 4,471 |
| Net loans and leases to core deposits | 83.2711% | 3,011 |
| Total domestic deposits to total assets | 85.6339% | 2,843 |
| Equity capital to assets | 10.3589% | 3,672 |
| Core capital (leverage) ratio | 10.0239% | 3,513 |
| Tier 1 risk-based capital ratio | 14.9876% | 3,166 |
| Total risk-based capital ratio | 16.2380% | 3,100 |
| Memoranda: | ||
| Average total assets | $369,342,500 | 1,815 |
| Average earning assets | $345,174,500 | 1,802 |
| Average equity | $37,408,500 | 1,966 |
| Average total loans | $204,060,000 | 2,107 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3140% | 2,181 |
| Cost of funding earning assets | 0.5922% | 1,419 |
| Net interest margin | 3.7218% | 2,668 |
| Noninterest income to average assets | 0.7290% | 2,070 |
| Noninterest expense to average assets | 2.5835% | 3,978 |
| Loan and lease loss provision to assets | 0.1801% | 1,256 |
| Net operating income to assets | 1.4497% | 945 |
| Return on assets (ROA) | 1.4771% | 933 |
| Pretax return on assets | 1.4771% | 1,631 |
| Return on Equity (ROE) | 14.7121% | 732 |
| Retained earnings to average equity (ytd only) | 7.3188% | 1,159 |
| Net charge-offs to loans | 0.3351% | 888 |
| Credit loss provision to net charge-offs | 99.8464% | 2,557 |
| Earnings coverage of net charge-offs (x) | 9.0353% | 2,877 |
| Efficiency ratio | 61.3179% | 4,711 |
| Assets per employee ($millions) | 4.0548% | 3,838 |
| Cash dividends to net income (ytd only)* | 50.2532% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5367% | 1,838 |
| Loan loss allowance to noncurrent loans | 732.3877% | 788 |
| Noncurrent assets plus other real estate owned to assets | 0.1376% | 5,039 |
| Noncurrent loans to loans | 0.2098% | 4,664 |
| Net loans and leases to total assets | 54.3933% | 4,466 |
| Net loans and leases to deposits | 63.2009% | 4,528 |
| Net loans and leases to core deposits | 82.0968% | 3,137 |
| Total domestic deposits to total assets | 86.0641% | 2,608 |
| Equity capital to assets | 9.8923% | 4,080 |
| Core capital (leverage) ratio | 9.7065% | 3,895 |
| Tier 1 risk-based capital ratio | 14.6587% | 3,345 |
| Total risk-based capital ratio | 15.9089% | 3,277 |
| Memoranda: | ||
| Average total assets | $360,899,000 | 1,816 |
| Average earning assets | $337,877,000 | 1,797 |
| Average equity | $36,235,600 | 1,967 |
| Average total loans | $194,291,000 | 2,129 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3268% | 2,148 |
| Cost of funding earning assets | 0.5865% | 1,488 |
| Net interest margin | 3.7403% | 2,610 |
| Noninterest income to average assets | 0.7506% | 2,021 |
| Noninterest expense to average assets | 2.5463% | 4,060 |
| Loan and lease loss provision to assets | 0.1778% | 1,182 |
| Net operating income to assets | 1.5304% | 879 |
| Return on assets (ROA) | 1.5638% | 869 |
| Pretax return on assets | 1.5638% | 1,496 |
| Return on Equity (ROE) | 15.5168% | 663 |
| Retained earnings to average equity (ytd only) | 9.5652% | 722 |
| Net charge-offs to loans | 0.4635% | 542 |
| Credit loss provision to net charge-offs | 71.7489% | 2,728 |
| Earnings coverage of net charge-offs (x) | 6.8924% | 2,980 |
| Efficiency ratio | 59.8485% | 4,914 |
| Assets per employee ($millions) | 4.1557% | 3,606 |
| Cash dividends to net income (ytd only)* | 38.3558% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4424% | 2,399 |
| Loan loss allowance to noncurrent loans | 649.5536% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.1225% | 5,262 |
| Noncurrent loans to loans | 0.2221% | 4,769 |
| Net loans and leases to total assets | 54.3695% | 4,526 |
| Net loans and leases to deposits | 63.2689% | 4,623 |
| Net loans and leases to core deposits | 79.9794% | 3,430 |
| Total domestic deposits to total assets | 85.9340% | 2,561 |
| Equity capital to assets | 10.1470% | 3,999 |
| Core capital (leverage) ratio | 9.7742% | 3,935 |
| Tier 1 risk-based capital ratio | 14.2826% | 3,681 |
| Total risk-based capital ratio | 15.4542% | 3,662 |
| Memoranda: | ||
| Average total assets | $359,891,500 | 1,832 |
| Average earning assets | $337,143,750 | 1,814 |
| Average equity | $36,269,500 | 1,980 |
| Average total loans | $192,465,000 | 2,153 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3346% | 2,069 |
| Cost of funding earning assets | 0.5787% | 1,580 |
| Net interest margin | 3.7559% | 2,494 |
| Noninterest income to average assets | 0.7576% | 1,965 |
| Noninterest expense to average assets | 2.5216% | 4,171 |
| Loan and lease loss provision to assets | 0.1229% | 1,797 |
| Net operating income to assets | 1.6376% | 698 |
| Return on assets (ROA) | 1.6863% | 668 |
| Pretax return on assets | 1.6863% | 1,110 |
| Return on Equity (ROE) | 16.7713% | 517 |
| Retained earnings to average equity (ytd only) | 10.8252% | 528 |
| Net charge-offs to loans | 0.6643% | 346 |
| Credit loss provision to net charge-offs | 34.9762% | 2,871 |
| Earnings coverage of net charge-offs (x) | 5.0095% | 2,968 |
| Efficiency ratio | 58.8857% | 5,123 |
| Assets per employee ($millions) | 4.2230% | 3,427 |
| Cash dividends to net income (ytd only)* | 35.4539% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3790% | 2,852 |
| Loan loss allowance to noncurrent loans | 507.5472% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 0.1477% | 5,281 |
| Noncurrent loans to loans | 0.2717% | 4,695 |
| Net loans and leases to total assets | 53.5933% | 4,599 |
| Net loans and leases to deposits | 62.4224% | 4,671 |
| Net loans and leases to core deposits | 76.2819% | 3,741 |
| Total domestic deposits to total assets | 85.8559% | 2,770 |
| Equity capital to assets | 10.0132% | 4,022 |
| Core capital (leverage) ratio | 9.4585% | 4,327 |
| Tier 1 risk-based capital ratio | 14.3663% | 3,721 |
| Total risk-based capital ratio | 15.4771% | 3,728 |
| Memoranda: | ||
| Average total assets | $357,953,670 | 1,854 |
| Average earning assets | $335,900,330 | 1,834 |
| Average equity | $35,990,000 | 2,002 |
| Average total loans | $189,372,670 | 2,186 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3569% | 1,917 |
| Cost of funding earning assets | 0.5760% | 1,610 |
| Net interest margin | 3.7808% | 2,297 |
| Noninterest income to average assets | 0.7632% | 1,848 |
| Noninterest expense to average assets | 2.3399% | 4,770 |
| Loan and lease loss provision to assets | 0.1231% | 1,690 |
| Net operating income to assets | 1.8330% | 457 |
| Return on assets (ROA) | 1.9147% | 421 |
| Pretax return on assets | 1.9147% | 697 |
| Return on Equity (ROE) | 19.0040% | 323 |
| Retained earnings to average equity (ytd only) | 19.0040% | 118 |
| Net charge-offs to loans | -0.0043% | 4,460 |
| Credit loss provision to net charge-offs | -5,500.0000% | 5,275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4673% | 5,639 |
| Assets per employee ($millions) | 4.2942% | 3,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7006% | 1,738 |
| Loan loss allowance to noncurrent loans | 569.3262% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.1545% | 5,335 |
| Noncurrent loans to loans | 0.2987% | 4,722 |
| Net loans and leases to total assets | 50.8509% | 4,765 |
| Net loans and leases to deposits | 59.1607% | 4,813 |
| Net loans and leases to core deposits | 73.9057% | 3,787 |
| Total domestic deposits to total assets | 85.9539% | 2,968 |
| Equity capital to assets | 10.2231% | 3,857 |
| Core capital (leverage) ratio | 9.6257% | 4,115 |
| Tier 1 risk-based capital ratio | 14.5290% | 3,702 |
| Total risk-based capital ratio | 15.7804% | 3,631 |
| Memoranda: | ||
| Average total assets | $357,453,000 | 1,857 |
| Average earning assets | $334,001,500 | 1,841 |
| Average equity | $36,013,500 | 2,011 |
| Average total loans | $186,526,000 | 2,219 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3103% | 2,569 |
| Cost of funding earning assets | 0.6120% | 1,664 |
| Net interest margin | 3.6983% | 3,015 |
| Noninterest income to average assets | 0.7846% | 1,932 |
| Noninterest expense to average assets | 2.6702% | 3,979 |
| Loan and lease loss provision to assets | 0.1245% | 2,103 |
| Net operating income to assets | 1.4343% | 1,012 |
| Return on assets (ROA) | 1.4905% | 936 |
| Pretax return on assets | 1.4905% | 1,577 |
| Return on Equity (ROE) | 15.2393% | 740 |
| Retained earnings to average equity (ytd only) | 7.2139% | 1,312 |
| Net charge-offs to loans | 0.0726% | 3,445 |
| Credit loss provision to net charge-offs | 340.0000% | 774 |
| Earnings coverage of net charge-offs (x) | 42.5760% | 1,030 |
| Efficiency ratio | 63.1415% | 4,735 |
| Assets per employee ($millions) | 4.0686% | 3,787 |
| Cash dividends to net income (ytd only)* | 52.6626% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6821% | 1,819 |
| Loan loss allowance to noncurrent loans | 553.3929% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.1600% | 5,384 |
| Noncurrent loans to loans | 0.3040% | 4,755 |
| Net loans and leases to total assets | 51.7671% | 4,806 |
| Net loans and leases to deposits | 60.0928% | 4,891 |
| Net loans and leases to core deposits | 74.6023% | 3,862 |
| Total domestic deposits to total assets | 86.1452% | 2,756 |
| Equity capital to assets | 9.9205% | 4,214 |
| Core capital (leverage) ratio | 9.3739% | 4,432 |
| Tier 1 risk-based capital ratio | 15.1781% | 3,393 |
| Total risk-based capital ratio | 16.4305% | 3,340 |
| Memoranda: | ||
| Average total assets | $341,432,600 | 1,904 |
| Average earning assets | $317,984,200 | 1,885 |
| Average equity | $33,394,000 | 2,084 |
| Average total loans | $172,234,400 | 2,303 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3163% | 2,557 |
| Cost of funding earning assets | 0.6189% | 1,683 |
| Net interest margin | 3.6974% | 3,031 |
| Noninterest income to average assets | 0.7926% | 1,923 |
| Noninterest expense to average assets | 2.6181% | 4,138 |
| Loan and lease loss provision to assets | 0.1257% | 1,989 |
| Net operating income to assets | 1.4877% | 965 |
| Return on assets (ROA) | 1.5207% | 934 |
| Pretax return on assets | 1.5207% | 1,579 |
| Return on Equity (ROE) | 15.6055% | 728 |
| Retained earnings to average equity (ytd only) | 9.0326% | 990 |
| Net charge-offs to loans | 0.0071% | 4,462 |
| Credit loss provision to net charge-offs | 3,555.5556% | 103 |
| Earnings coverage of net charge-offs (x) | 456.2108% | 165 |
| Efficiency ratio | 61.8720% | 4,905 |
| Assets per employee ($millions) | 4.0453% | 3,784 |
| Cash dividends to net income (ytd only)* | 42.1189% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7460% | 1,837 |
| Loan loss allowance to noncurrent loans | 415.2203% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.2153% | 5,355 |
| Noncurrent loans to loans | 0.4205% | 4,646 |
| Net loans and leases to total assets | 50.3066% | 4,973 |
| Net loans and leases to deposits | 58.1397% | 5,094 |
| Net loans and leases to core deposits | 72.0943% | 4,145 |
| Total domestic deposits to total assets | 86.5270% | 2,575 |
| Equity capital to assets | 9.9573% | 4,217 |
| Core capital (leverage) ratio | 9.4343% | 4,458 |
| Tier 1 risk-based capital ratio | 15.2097% | 3,467 |
| Total risk-based capital ratio | 16.4623% | 3,411 |
| Memoranda: | ||
| Average total assets | $339,315,750 | 1,925 |
| Average earning assets | $315,599,750 | 1,905 |
| Average equity | $33,064,500 | 2,108 |
| Average total loans | $169,235,000 | 2,341 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3279% | 2,489 |
| Cost of funding earning assets | 0.6258% | 1,677 |
| Net interest margin | 3.7022% | 2,955 |
| Noninterest income to average assets | 0.7852% | 1,899 |
| Noninterest expense to average assets | 2.5876% | 4,284 |
| Loan and lease loss provision to assets | 0.1278% | 1,931 |
| Net operating income to assets | 1.5128% | 850 |
| Return on assets (ROA) | 1.5628% | 804 |
| Pretax return on assets | 1.5628% | 1,353 |
| Return on Equity (ROE) | 16.1591% | 643 |
| Retained earnings to average equity (ytd only) | 9.5209% | 834 |
| Net charge-offs to loans | 0.0048% | 4,216 |
| Credit loss provision to net charge-offs | 5,375.0000% | 65 |
| Earnings coverage of net charge-offs (x) | 690.0000% | 99 |
| Efficiency ratio | 61.1978% | 5,115 |
| Assets per employee ($millions) | 4.0404% | 3,756 |
| Cash dividends to net income (ytd only)* | 41.0803% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7278% | 2,043 |
| Loan loss allowance to noncurrent loans | 1,635.8696% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.0536% | 6,028 |
| Noncurrent loans to loans | 0.1056% | 5,697 |
| Net loans and leases to total assets | 49.8514% | 4,973 |
| Net loans and leases to deposits | 57.5425% | 5,080 |
| Net loans and leases to core deposits | 69.2706% | 4,339 |
| Total domestic deposits to total assets | 86.6340% | 2,677 |
| Equity capital to assets | 9.8832% | 4,262 |
| Core capital (leverage) ratio | 9.3960% | 4,473 |
| Tier 1 risk-based capital ratio | 15.0304% | 3,618 |
| Total risk-based capital ratio | 16.2823% | 3,564 |
| Memoranda: | ||
| Average total assets | $336,456,000 | 1,943 |
| Average earning assets | $312,899,000 | 1,922 |
| Average equity | $32,539,000 | 2,130 |
| Average total loans | $166,272,000 | 2,379 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2977% | 2,530 |
| Cost of funding earning assets | 0.6408% | 1,641 |
| Net interest margin | 3.6568% | 3,036 |
| Noninterest income to average assets | 0.8217% | 1,666 |
| Noninterest expense to average assets | 2.5492% | 4,454 |
| Loan and lease loss provision to assets | 0.1273% | 1,907 |
| Net operating income to assets | 1.5521% | 728 |
| Return on assets (ROA) | 1.5521% | 759 |
| Pretax return on assets | 1.5521% | 1,284 |
| Return on Equity (ROE) | 16.2324% | 619 |
| Retained earnings to average equity (ytd only) | 16.2324% | 263 |
| Net charge-offs to loans | 0.0222% | 3,135 |
| Credit loss provision to net charge-offs | 1,177.7778% | 278 |
| Earnings coverage of net charge-offs (x) | 155.3333% | 316 |
| Efficiency ratio | 60.2841% | 5,360 |
| Assets per employee ($millions) | 4.0134% | 3,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7540% | 2,186 |
| Loan loss allowance to noncurrent loans | 1,206.6667% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.0704% | 6,053 |
| Noncurrent loans to loans | 0.1454% | 5,654 |
| Net loans and leases to total assets | 47.5494% | 5,178 |
| Net loans and leases to deposits | 54.7232% | 5,216 |
| Net loans and leases to core deposits | 68.8718% | 4,225 |
| Total domestic deposits to total assets | 86.8908% | 2,880 |
| Equity capital to assets | 9.6280% | 4,317 |
| Core capital (leverage) ratio | 9.5154% | 4,256 |
| Tier 1 risk-based capital ratio | 15.3431% | 3,526 |
| Total risk-based capital ratio | 16.5948% | 3,481 |
| Memoranda: | ||
| Average total assets | $332,968,500 | 1,972 |
| Average earning assets | $310,216,000 | 1,947 |
| Average equity | $31,837,500 | 2,165 |
| Average total loans | $162,300,500 | 2,431 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3009% | 2,957 |
| Cost of funding earning assets | 0.6925% | 1,872 |
| Net interest margin | 3.6083% | 3,431 |
| Noninterest income to average assets | 0.8633% | 1,812 |
| Noninterest expense to average assets | 2.7241% | 4,014 |
| Loan and lease loss provision to assets | 0.1350% | 2,622 |
| Net operating income to assets | 1.3462% | 1,143 |
| Return on assets (ROA) | 1.4002% | 1,065 |
| Pretax return on assets | 1.4002% | 1,777 |
| Return on Equity (ROE) | 14.1025% | 928 |
| Retained earnings to average equity (ytd only) | 6.4315% | 1,724 |
| Net charge-offs to loans | 0.0988% | 3,854 |
| Credit loss provision to net charge-offs | 281.0458% | 805 |
| Earnings coverage of net charge-offs (x) | 30.8366% | 1,155 |
| Efficiency ratio | 64.7779% | 4,776 |
| Assets per employee ($millions) | 3.6088% | 4,660 |
| Cash dividends to net income (ytd only)* | 54.3946% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7549% | 2,218 |
| Loan loss allowance to noncurrent loans | 721.3918% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.1195% | 5,971 |
| Noncurrent loans to loans | 0.2433% | 5,449 |
| Net loans and leases to total assets | 48.2443% | 5,270 |
| Net loans and leases to deposits | 55.5099% | 5,349 |
| Net loans and leases to core deposits | 69.7451% | 4,309 |
| Total domestic deposits to total assets | 86.9111% | 2,774 |
| Equity capital to assets | 9.4921% | 4,437 |
| Core capital (leverage) ratio | 9.3477% | 4,480 |
| Tier 1 risk-based capital ratio | 15.4954% | 3,377 |
| Total risk-based capital ratio | 16.7166% | 3,345 |
| Memoranda: | ||
| Average total assets | $318,532,600 | 2,018 |
| Average earning assets | $295,010,800 | 2,005 |
| Average equity | $31,625,600 | 2,147 |
| Average total loans | $154,846,800 | 2,493 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3083% | 2,949 |
| Cost of funding earning assets | 0.7021% | 1,932 |
| Net interest margin | 3.6062% | 3,416 |
| Noninterest income to average assets | 0.8724% | 1,849 |
| Noninterest expense to average assets | 2.6930% | 4,041 |
| Loan and lease loss provision to assets | 0.1346% | 2,595 |
| Net operating income to assets | 1.3742% | 1,164 |
| Return on assets (ROA) | 1.3742% | 1,209 |
| Pretax return on assets | 1.3742% | 2,017 |
| Return on Equity (ROE) | 13.6872% | 1,072 |
| Retained earnings to average equity (ytd only) | 7.0258% | 1,861 |
| Net charge-offs to loans | 0.0677% | 3,953 |
| Credit loss provision to net charge-offs | 410.2564% | 651 |
| Earnings coverage of net charge-offs (x) | 45.9861% | 914 |
| Efficiency ratio | 64.0905% | 4,783 |
| Assets per employee ($millions) | 3.3471% | 5,189 |
| Cash dividends to net income (ytd only)* | 48.6686% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7984% | 2,309 |
| Loan loss allowance to noncurrent loans | 583.1224% | 779 |
| Noncurrent assets plus other real estate owned to assets | 0.2328% | 5,747 |
| Noncurrent loans to loans | 0.3084% | 5,454 |
| Net loans and leases to total assets | 46.9694% | 5,451 |
| Net loans and leases to deposits | 54.1876% | 5,522 |
| Net loans and leases to core deposits | 68.8737% | 4,443 |
| Total domestic deposits to total assets | 86.6793% | 2,868 |
| Equity capital to assets | 9.5380% | 4,504 |
| Core capital (leverage) ratio | 9.4958% | 4,413 |
| Tier 1 risk-based capital ratio | 15.6499% | 3,371 |
| Total risk-based capital ratio | 16.9010% | 3,331 |
| Memoranda: | ||
| Average total assets | $316,967,000 | 2,037 |
| Average earning assets | $292,640,000 | 2,028 |
| Average equity | $31,824,500 | 2,159 |
| Average total loans | $153,685,000 | 2,516 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3516% | 2,756 |
| Cost of funding earning assets | 0.7056% | 2,027 |
| Net interest margin | 3.6460% | 3,195 |
| Noninterest income to average assets | 0.8247% | 2,088 |
| Noninterest expense to average assets | 2.6053% | 4,361 |
| Loan and lease loss provision to assets | 0.1331% | 2,655 |
| Net operating income to assets | 1.4535% | 979 |
| Return on assets (ROA) | 1.4535% | 1,053 |
| Pretax return on assets | 1.4535% | 1,756 |
| Return on Equity (ROE) | 14.2349% | 958 |
| Retained earnings to average equity (ytd only) | 7.6544% | 1,609 |
| Net charge-offs to loans | -0.0026% | 5,556 |
| Credit loss provision to net charge-offs | -10,500.0000% | 6,270 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1503% | 5,156 |
| Assets per employee ($millions) | 3.2875% | 5,296 |
| Cash dividends to net income (ytd only)* | 46.2276% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7514% | 2,591 |
| Loan loss allowance to noncurrent loans | 567.2199% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.2395% | 5,771 |
| Noncurrent loans to loans | 0.3088% | 5,529 |
| Net loans and leases to total assets | 48.5970% | 5,272 |
| Net loans and leases to deposits | 56.2467% | 5,309 |
| Net loans and leases to core deposits | 68.5449% | 4,444 |
| Total domestic deposits to total assets | 86.3997% | 3,166 |
| Equity capital to assets | 9.8212% | 4,161 |
| Core capital (leverage) ratio | 9.2979% | 4,540 |
| Tier 1 risk-based capital ratio | 15.3303% | 3,577 |
| Total risk-based capital ratio | 16.5582% | 3,547 |
| Memoranda: | ||
| Average total assets | $315,514,000 | 2,051 |
| Average earning assets | $291,390,000 | 2,044 |
| Average equity | $32,216,670 | 2,143 |
| Average total loans | $153,683,670 | 2,523 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4494% | 2,350 |
| Cost of funding earning assets | 0.7129% | 2,111 |
| Net interest margin | 3.7365% | 2,711 |
| Noninterest income to average assets | 0.8216% | 2,036 |
| Noninterest expense to average assets | 2.5422% | 4,607 |
| Loan and lease loss provision to assets | 0.1331% | 2,575 |
| Net operating income to assets | 1.5887% | 722 |
| Return on assets (ROA) | 1.5887% | 780 |
| Pretax return on assets | 1.5887% | 1,328 |
| Return on Equity (ROE) | 15.2679% | 703 |
| Retained earnings to average equity (ytd only) | 15.2679% | 328 |
| Net charge-offs to loans | 0.0079% | 3,993 |
| Credit loss provision to net charge-offs | 3,500.0000% | 83 |
| Earnings coverage of net charge-offs (x) | 452.6667% | 75 |
| Efficiency ratio | 59.6194% | 5,641 |
| Assets per employee ($millions) | 3.1935% | 5,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7062% | 2,982 |
| Loan loss allowance to noncurrent loans | 1,155.9471% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.1600% | 6,092 |
| Noncurrent loans to loans | 0.1476% | 6,027 |
| Net loans and leases to total assets | 47.3371% | 5,301 |
| Net loans and leases to deposits | 55.1480% | 5,334 |
| Net loans and leases to core deposits | 70.6583% | 3,984 |
| Total domestic deposits to total assets | 85.8365% | 3,618 |
| Equity capital to assets | 10.4535% | 3,597 |
| Core capital (leverage) ratio | 9.4245% | 4,203 |
| Tier 1 risk-based capital ratio | 15.3252% | 3,638 |
| Total risk-based capital ratio | 16.5457% | 3,611 |
| Memoranda: | ||
| Average total assets | $315,469,000 | 2,076 |
| Average earning assets | $290,646,500 | 2,072 |
| Average equity | $32,827,000 | 2,134 |
| Average total loans | $152,471,500 | 2,546 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5974% | 3,014 |
| Cost of funding earning assets | 0.8209% | 2,505 |
| Net interest margin | 3.7765% | 3,334 |
| Noninterest income to average assets | 0.7977% | 2,270 |
| Noninterest expense to average assets | 2.7487% | 4,220 |
| Loan and lease loss provision to assets | 0.1518% | 3,716 |
| Net operating income to assets | 1.3662% | 1,164 |
| Return on assets (ROA) | 1.4648% | 1,093 |
| Pretax return on assets | 1.4648% | 1,801 |
| Return on Equity (ROE) | 14.2855% | 942 |
| Retained earnings to average equity (ytd only) | 7.5073% | 1,334 |
| Net charge-offs to loans | 0.1037% | 4,632 |
| Credit loss provision to net charge-offs | 308.6667% | 784 |
| Earnings coverage of net charge-offs (x) | 30.8667% | 987 |
| Efficiency ratio | 64.4229% | 4,812 |
| Assets per employee ($millions) | 3.1159% | 5,815 |
| Cash dividends to net income (ytd only)* | 47.4485% | 2,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6686% | 3,045 |
| Loan loss allowance to noncurrent loans | 981.3230% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.1958% | 6,071 |
| Noncurrent loans to loans | 0.1700% | 6,056 |
| Net loans and leases to total assets | 47.6995% | 5,444 |
| Net loans and leases to deposits | 55.5318% | 5,490 |
| Net loans and leases to core deposits | 70.2655% | 4,270 |
| Total domestic deposits to total assets | 85.8959% | 3,404 |
| Equity capital to assets | 10.3569% | 3,685 |
| Core capital (leverage) ratio | 9.2712% | 4,468 |
| Tier 1 risk-based capital ratio | 14.8856% | 3,781 |
| Total risk-based capital ratio | 16.0523% | 3,785 |
| Memoranda: | ||
| Average total assets | $305,015,800 | 2,106 |
| Average earning assets | $280,180,800 | 2,101 |
| Average equity | $31,276,400 | 2,183 |
| Average total loans | $144,680,800 | 2,655 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6463% | 3,034 |
| Cost of funding earning assets | 0.8448% | 2,589 |
| Net interest margin | 3.8015% | 3,329 |
| Noninterest income to average assets | 0.7801% | 2,331 |
| Noninterest expense to average assets | 2.7473% | 4,185 |
| Loan and lease loss provision to assets | 0.1516% | 3,641 |
| Net operating income to assets | 1.3739% | 1,281 |
| Return on assets (ROA) | 1.5061% | 1,116 |
| Pretax return on assets | 1.5061% | 1,859 |
| Return on Equity (ROE) | 14.7262% | 947 |
| Retained earnings to average equity (ytd only) | 7.8938% | 1,662 |
| Net charge-offs to loans | 0.1333% | 4,054 |
| Credit loss provision to net charge-offs | 241.2587% | 1,149 |
| Earnings coverage of net charge-offs (x) | 24.2729% | 1,285 |
| Efficiency ratio | 64.2975% | 4,758 |
| Assets per employee ($millions) | 3.0060% | 6,045 |
| Cash dividends to net income (ytd only)* | 46.3963% | 1,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6899% | 3,186 |
| Loan loss allowance to noncurrent loans | 675.3501% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.2707% | 6,024 |
| Noncurrent loans to loans | 0.2502% | 5,987 |
| Net loans and leases to total assets | 45.7454% | 5,791 |
| Net loans and leases to deposits | 53.5121% | 5,845 |
| Net loans and leases to core deposits | 67.7280% | 4,755 |
| Total domestic deposits to total assets | 85.4861% | 3,513 |
| Equity capital to assets | 10.5766% | 3,760 |
| Core capital (leverage) ratio | 9.2432% | 4,687 |
| Tier 1 risk-based capital ratio | 15.0273% | 3,831 |
| Total risk-based capital ratio | 16.2385% | 3,806 |
| Memoranda: | ||
| Average total assets | $303,372,250 | 2,134 |
| Average earning assets | $278,721,750 | 2,127 |
| Average equity | $31,027,750 | 2,216 |
| Average total loans | $143,063,750 | 2,708 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7277% | 2,809 |
| Cost of funding earning assets | 0.8765% | 2,592 |
| Net interest margin | 3.8511% | 3,130 |
| Noninterest income to average assets | 0.7681% | 2,342 |
| Noninterest expense to average assets | 2.7232% | 4,311 |
| Loan and lease loss provision to assets | 0.1555% | 3,574 |
| Net operating income to assets | 1.4264% | 1,137 |
| Return on assets (ROA) | 1.6256% | 883 |
| Pretax return on assets | 1.6262% | 1,472 |
| Return on Equity (ROE) | 16.0795% | 762 |
| Retained earnings to average equity (ytd only) | 9.1425% | 1,221 |
| Net charge-offs to loans | 0.1802% | 3,515 |
| Credit loss provision to net charge-offs | 182.1705% | 1,555 |
| Earnings coverage of net charge-offs (x) | 18.5426% | 1,480 |
| Efficiency ratio | 63.2452% | 5,044 |
| Assets per employee ($millions) | 3.0562% | 5,936 |
| Cash dividends to net income (ytd only)* | 43.1420% | 2,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6045% | 3,586 |
| Loan loss allowance to noncurrent loans | 746.7742% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.2562% | 6,134 |
| Noncurrent loans to loans | 0.2149% | 6,152 |
| Net loans and leases to total assets | 46.4517% | 5,783 |
| Net loans and leases to deposits | 54.0919% | 5,859 |
| Net loans and leases to core deposits | 64.8580% | 5,118 |
| Total domestic deposits to total assets | 85.8754% | 3,418 |
| Equity capital to assets | 10.2460% | 3,995 |
| Core capital (leverage) ratio | 9.0043% | 4,911 |
| Tier 1 risk-based capital ratio | 14.4359% | 4,149 |
| Total risk-based capital ratio | 15.5962% | 4,174 |
| Memoranda: | ||
| Average total assets | $302,293,000 | 2,140 |
| Average earning assets | $277,684,670 | 2,135 |
| Average equity | $30,560,670 | 2,225 |
| Average total loans | $143,194,670 | 2,719 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6824% | 3,122 |
| Cost of funding earning assets | 0.9174% | 2,547 |
| Net interest margin | 3.7650% | 3,539 |
| Noninterest income to average assets | 0.7531% | 2,379 |
| Noninterest expense to average assets | 2.6837% | 4,486 |
| Loan and lease loss provision to assets | 0.1663% | 3,311 |
| Net operating income to assets | 1.3705% | 1,278 |
| Return on assets (ROA) | 1.3705% | 1,429 |
| Pretax return on assets | 1.3705% | 2,285 |
| Return on Equity (ROE) | 13.6496% | 1,265 |
| Retained earnings to average equity (ytd only) | 13.6496% | 605 |
| Net charge-offs to loans | 0.3337% | 2,321 |
| Credit loss provision to net charge-offs | 105.0420% | 2,203 |
| Earnings coverage of net charge-offs (x) | 9.7059% | 1,817 |
| Efficiency ratio | 63.5876% | 5,008 |
| Assets per employee ($millions) | 3.0257% | 6,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5542% | 3,921 |
| Loan loss allowance to noncurrent loans | 385.8885% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.4244% | 5,801 |
| Noncurrent loans to loans | 0.4028% | 5,865 |
| Net loans and leases to total assets | 45.9105% | 5,793 |
| Net loans and leases to deposits | 53.3342% | 5,881 |
| Net loans and leases to core deposits | 71.4853% | 4,227 |
| Total domestic deposits to total assets | 86.0808% | 3,482 |
| Equity capital to assets | 10.0622% | 4,052 |
| Core capital (leverage) ratio | 8.9893% | 4,857 |
| Tier 1 risk-based capital ratio | 14.8862% | 3,832 |
| Total risk-based capital ratio | 16.1017% | 3,824 |
| Memoranda: | ||
| Average total assets | $300,628,000 | 2,163 |
| Average earning assets | $276,865,000 | 2,151 |
| Average equity | $30,184,000 | 2,248 |
| Average total loans | $142,651,000 | 2,745 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9310% | 3,204 |
| Cost of funding earning assets | 0.9996% | 3,384 |
| Net interest margin | 3.9314% | 3,199 |
| Noninterest income to average assets | 0.8736% | 1,758 |
| Noninterest expense to average assets | 2.9684% | 3,709 |
| Loan and lease loss provision to assets | 0.2217% | 3,980 |
| Net operating income to assets | 1.3058% | 1,232 |
| Return on assets (ROA) | 1.3931% | 1,127 |
| Pretax return on assets | 1.3931% | 1,805 |
| Return on Equity (ROE) | 14.0686% | 911 |
| Retained earnings to average equity (ytd only) | 6.7417% | 1,618 |
| Net charge-offs to loans | 0.4268% | 3,297 |
| Credit loss provision to net charge-offs | 106.1873% | 3,207 |
| Earnings coverage of net charge-offs (x) | 7.3161% | 2,355 |
| Efficiency ratio | 66.0247% | 4,771 |
| Assets per employee ($millions) | 2.9566% | 6,180 |
| Cash dividends to net income (ytd only)* | 52.0802% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5471% | 3,805 |
| Loan loss allowance to noncurrent loans | 227.4974% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 0.3913% | 5,994 |
| Noncurrent loans to loans | 0.6800% | 5,341 |
| Net loans and leases to total assets | 47.5470% | 5,870 |
| Net loans and leases to deposits | 55.2437% | 5,959 |
| Net loans and leases to core deposits | 73.4420% | 4,310 |
| Total domestic deposits to total assets | 86.0676% | 3,282 |
| Equity capital to assets | 10.0177% | 4,150 |
| Core capital (leverage) ratio | 8.8614% | 5,005 |
| Tier 1 risk-based capital ratio | 14.7809% | 3,775 |
| Total risk-based capital ratio | 16.0309% | 3,751 |
| Memoranda: | ||
| Average total assets | $286,416,400 | 2,226 |
| Average earning assets | $263,900,800 | 2,213 |
| Average equity | $28,361,000 | 2,307 |
| Average total loans | $140,120,600 | 2,784 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9855% | 3,160 |
| Cost of funding earning assets | 1.0195% | 3,533 |
| Net interest margin | 3.9659% | 3,069 |
| Noninterest income to average assets | 0.8968% | 1,664 |
| Noninterest expense to average assets | 2.8909% | 3,970 |
| Loan and lease loss provision to assets | 0.2370% | 3,639 |
| Net operating income to assets | 1.4201% | 1,120 |
| Return on assets (ROA) | 1.5280% | 962 |
| Pretax return on assets | 1.5280% | 1,585 |
| Return on Equity (ROE) | 15.4785% | 750 |
| Retained earnings to average equity (ytd only) | 8.1196% | 1,465 |
| Net charge-offs to loans | 0.0822% | 5,153 |
| Credit loss provision to net charge-offs | 587.2093% | 463 |
| Earnings coverage of net charge-offs (x) | 41.0595% | 758 |
| Efficiency ratio | 63.5641% | 5,142 |
| Assets per employee ($millions) | 3.0698% | 5,961 |
| Cash dividends to net income (ytd only)* | 47.5431% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8437% | 2,796 |
| Loan loss allowance to noncurrent loans | 172.5033% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 0.6213% | 5,582 |
| Noncurrent loans to loans | 1.0688% | 4,778 |
| Net loans and leases to total assets | 46.8078% | 6,070 |
| Net loans and leases to deposits | 54.6058% | 6,152 |
| Net loans and leases to core deposits | 72.7196% | 4,616 |
| Total domestic deposits to total assets | 85.7195% | 3,366 |
| Equity capital to assets | 10.2004% | 4,083 |
| Core capital (leverage) ratio | 8.8303% | 5,210 |
| Tier 1 risk-based capital ratio | 14.9250% | 3,704 |
| Total risk-based capital ratio | 16.1781% | 3,678 |
| Memoranda: | ||
| Average total assets | $284,106,250 | 2,244 |
| Average earning assets | $261,553,500 | 2,235 |
| Average equity | $28,046,750 | 2,330 |
| Average total loans | $139,454,500 | 2,820 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0469% | 2,942 |
| Cost of funding earning assets | 1.0269% | 3,764 |
| Net interest margin | 4.0200% | 2,745 |
| Noninterest income to average assets | 0.8939% | 1,666 |
| Noninterest expense to average assets | 2.8827% | 4,093 |
| Loan and lease loss provision to assets | 0.2103% | 3,811 |
| Net operating income to assets | 1.5041% | 881 |
| Return on assets (ROA) | 1.6202% | 746 |
| Pretax return on assets | 1.6202% | 1,216 |
| Return on Equity (ROE) | 16.6062% | 596 |
| Retained earnings to average equity (ytd only) | 9.1542% | 1,056 |
| Net charge-offs to loans | 0.1452% | 4,319 |
| Credit loss provision to net charge-offs | 292.0792% | 1,046 |
| Earnings coverage of net charge-offs (x) | 23.8119% | 1,082 |
| Efficiency ratio | 62.7074% | 5,453 |
| Assets per employee ($millions) | 2.9827% | 6,125 |
| Cash dividends to net income (ytd only)* | 44.8746% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7060% | 3,303 |
| Loan loss allowance to noncurrent loans | 384.7154% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.3297% | 6,306 |
| Noncurrent loans to loans | 0.4434% | 6,021 |
| Net loans and leases to total assets | 47.6081% | 6,095 |
| Net loans and leases to deposits | 55.4525% | 6,181 |
| Net loans and leases to core deposits | 71.2702% | 4,920 |
| Total domestic deposits to total assets | 85.8538% | 3,408 |
| Equity capital to assets | 10.0057% | 4,144 |
| Core capital (leverage) ratio | 8.8560% | 4,951 |
| Tier 1 risk-based capital ratio | 14.8010% | 3,611 |
| Total risk-based capital ratio | 16.0526% | 3,582 |
| Memoranda: | ||
| Average total assets | $280,574,000 | 2,289 |
| Average earning assets | $258,456,670 | 2,267 |
| Average equity | $27,375,330 | 2,357 |
| Average total loans | $139,094,330 | 2,864 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0505% | 2,851 |
| Cost of funding earning assets | 1.0592% | 3,790 |
| Net interest margin | 3.9912% | 2,719 |
| Noninterest income to average assets | 0.8758% | 1,746 |
| Noninterest expense to average assets | 2.7498% | 4,645 |
| Loan and lease loss provision to assets | 0.1873% | 3,742 |
| Net operating income to assets | 1.6133% | 671 |
| Return on assets (ROA) | 1.8481% | 471 |
| Pretax return on assets | 1.8481% | 742 |
| Return on Equity (ROE) | 19.1937% | 385 |
| Retained earnings to average equity (ytd only) | 19.1937% | 190 |
| Net charge-offs to loans | 0.0890% | 4,058 |
| Credit loss provision to net charge-offs | 419.3548% | 811 |
| Earnings coverage of net charge-offs (x) | 40.3226% | 681 |
| Efficiency ratio | 60.4305% | 5,915 |
| Assets per employee ($millions) | 2.9413% | 6,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6241% | 3,633 |
| Loan loss allowance to noncurrent loans | 285.6604% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.3981% | 6,210 |
| Noncurrent loans to loans | 0.5686% | 5,886 |
| Net loans and leases to total assets | 48.7162% | 5,991 |
| Net loans and leases to deposits | 56.5632% | 6,078 |
| Net loans and leases to core deposits | 75.3624% | 4,374 |
| Total domestic deposits to total assets | 86.1270% | 3,447 |
| Equity capital to assets | 9.7432% | 4,118 |
| Core capital (leverage) ratio | 9.1895% | 4,308 |
| Tier 1 risk-based capital ratio | 14.8306% | 3,522 |
| Total risk-based capital ratio | 16.0814% | 3,481 |
| Memoranda: | ||
| Average total assets | $277,692,000 | 2,322 |
| Average earning assets | $255,660,000 | 2,308 |
| Average equity | $26,738,000 | 2,397 |
| Average total loans | $139,298,500 | 2,903 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3453% | 2,912 |
| Cost of funding earning assets | 1.2991% | 3,884 |
| Net interest margin | 4.0462% | 2,816 |
| Noninterest income to average assets | 0.8906% | 1,884 |
| Noninterest expense to average assets | 3.1355% | 3,322 |
| Loan and lease loss provision to assets | 0.1961% | 5,271 |
| Net operating income to assets | 1.3105% | 1,144 |
| Return on assets (ROA) | 1.3135% | 1,206 |
| Pretax return on assets | 1.3075% | 1,909 |
| Return on Equity (ROE) | 13.4353% | 996 |
| Retained earnings to average equity (ytd only) | 6.7406% | 1,432 |
| Net charge-offs to loans | 0.1974% | 5,111 |
| Credit loss provision to net charge-offs | 194.4444% | 1,635 |
| Earnings coverage of net charge-offs (x) | 14.8778% | 1,309 |
| Efficiency ratio | 67.6309% | 4,640 |
| Assets per employee ($millions) | 2.8440% | 6,449 |
| Cash dividends to net income (ytd only)* | 49.8294% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5652% | 3,717 |
| Loan loss allowance to noncurrent loans | 6,388.2353% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.1392% | 6,884 |
| Noncurrent loans to loans | 0.0245% | 7,077 |
| Net loans and leases to total assets | 50.0319% | 6,167 |
| Net loans and leases to deposits | 57.9729% | 6,259 |
| Net loans and leases to core deposits | 73.5977% | 5,030 |
| Total domestic deposits to total assets | 86.3022% | 3,197 |
| Equity capital to assets | 9.5102% | 4,390 |
| Core capital (leverage) ratio | 8.7924% | 4,869 |
| Tier 1 risk-based capital ratio | 14.4956% | 3,546 |
| Total risk-based capital ratio | 15.7462% | 3,503 |
| Memoranda: | ||
| Average total assets | $267,680,800 | 2,384 |
| Average earning assets | $247,790,000 | 2,355 |
| Average equity | $26,169,800 | 2,444 |
| Average total loans | $136,763,000 | 3,003 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3987% | 2,892 |
| Cost of funding earning assets | 1.3277% | 4,053 |
| Net interest margin | 4.0710% | 2,756 |
| Noninterest income to average assets | 0.8890% | 1,835 |
| Noninterest expense to average assets | 3.0836% | 3,406 |
| Loan and lease loss provision to assets | 0.2002% | 5,052 |
| Net operating income to assets | 1.3921% | 1,118 |
| Return on assets (ROA) | 1.3941% | 1,192 |
| Pretax return on assets | 1.3861% | 1,925 |
| Return on Equity (ROE) | 14.1613% | 995 |
| Retained earnings to average equity (ytd only) | 8.4917% | 1,241 |
| Net charge-offs to loans | 0.1184% | 5,367 |
| Credit loss provision to net charge-offs | 330.5785% | 959 |
| Earnings coverage of net charge-offs (x) | 26.1569% | 970 |
| Efficiency ratio | 66.0590% | 4,842 |
| Assets per employee ($millions) | 2.7545% | 6,676 |
| Cash dividends to net income (ytd only)* | 40.0359% | 2,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6003% | 3,526 |
| Loan loss allowance to noncurrent loans | 1,663.6364% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.2083% | 6,846 |
| Noncurrent loans to loans | 0.0962% | 6,993 |
| Net loans and leases to total assets | 49.5181% | 6,373 |
| Net loans and leases to deposits | 57.1586% | 6,528 |
| Net loans and leases to core deposits | 72.4883% | 5,458 |
| Total domestic deposits to total assets | 86.6329% | 2,726 |
| Equity capital to assets | 10.1257% | 3,985 |
| Core capital (leverage) ratio | 8.9325% | 4,794 |
| Tier 1 risk-based capital ratio | 14.7714% | 3,355 |
| Total risk-based capital ratio | 16.0226% | 3,341 |
| Memoranda: | ||
| Average total assets | $266,345,500 | 2,428 |
| Average earning assets | $247,240,000 | 2,401 |
| Average equity | $26,221,000 | 2,480 |
| Average total loans | $136,261,250 | 3,051 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4236% | 2,870 |
| Cost of funding earning assets | 1.3512% | 4,188 |
| Net interest margin | 4.0723% | 2,692 |
| Noninterest income to average assets | 0.8629% | 1,827 |
| Noninterest expense to average assets | 3.1034% | 3,303 |
| Loan and lease loss provision to assets | 0.1930% | 4,949 |
| Net operating income to assets | 1.3836% | 1,117 |
| Return on assets (ROA) | 1.3867% | 1,182 |
| Pretax return on assets | 1.3746% | 1,898 |
| Return on Equity (ROE) | 14.2251% | 992 |
| Retained earnings to average equity (ytd only) | 8.4791% | 1,272 |
| Net charge-offs to loans | 0.2104% | 4,352 |
| Credit loss provision to net charge-offs | 178.3217% | 2,196 |
| Earnings coverage of net charge-offs (x) | 14.4545% | 1,520 |
| Efficiency ratio | 66.4829% | 4,885 |
| Assets per employee ($millions) | 2.7922% | 6,587 |
| Cash dividends to net income (ytd only)* | 40.3930% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4719% | 4,054 |
| Loan loss allowance to noncurrent loans | 614.8485% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.4771% | 6,256 |
| Noncurrent loans to loans | 0.2394% | 6,754 |
| Net loans and leases to total assets | 50.6696% | 6,358 |
| Net loans and leases to deposits | 58.3366% | 6,553 |
| Net loans and leases to core deposits | 70.5369% | 5,824 |
| Total domestic deposits to total assets | 86.8574% | 2,616 |
| Equity capital to assets | 9.8649% | 4,178 |
| Core capital (leverage) ratio | 8.7113% | 5,056 |
| Tier 1 risk-based capital ratio | 14.3042% | 3,536 |
| Total risk-based capital ratio | 15.5390% | 3,519 |
| Memoranda: | ||
| Average total assets | $264,230,000 | 2,471 |
| Average earning assets | $246,886,000 | 2,424 |
| Average equity | $25,757,330 | 2,508 |
| Average total loans | $135,939,000 | 3,084 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5826% | 2,230 |
| Cost of funding earning assets | 1.3398% | 4,562 |
| Net interest margin | 4.2428% | 1,881 |
| Noninterest income to average assets | 0.9506% | 1,451 |
| Noninterest expense to average assets | 3.0033% | 3,673 |
| Loan and lease loss provision to assets | 0.1844% | 4,663 |
| Net operating income to assets | 1.7659% | 534 |
| Return on assets (ROA) | 1.7741% | 574 |
| Pretax return on assets | 1.7413% | 983 |
| Return on Equity (ROE) | 18.1418% | 502 |
| Retained earnings to average equity (ytd only) | 18.1418% | 240 |
| Net charge-offs to loans | -0.0675% | 7,435 |
| Credit loss provision to net charge-offs | -529.4118% | 6,285 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0325% | 5,996 |
| Assets per employee ($millions) | 2.5476% | 7,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3741% | 4,550 |
| Loan loss allowance to noncurrent loans | 738.1443% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.0976% | 7,238 |
| Noncurrent loans to loans | 0.1862% | 6,969 |
| Net loans and leases to total assets | 51.7236% | 6,301 |
| Net loans and leases to deposits | 60.2058% | 6,447 |
| Net loans and leases to core deposits | 78.0756% | 5,011 |
| Total domestic deposits to total assets | 85.9113% | 3,203 |
| Equity capital to assets | 9.8530% | 4,049 |
| Core capital (leverage) ratio | 8.6523% | 5,107 |
| Tier 1 risk-based capital ratio | 13.8116% | 3,792 |
| Total risk-based capital ratio | 14.9601% | 3,809 |
| Memoranda: | ||
| Average total assets | $195,252,500 | 3,285 |
| Average earning assets | $182,710,000 | 3,227 |
| Average equity | $19,094,000 | 3,312 |
| Average total loans | $100,709,500 | 3,938 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7847% | 2,722 |
| Cost of funding earning assets | 1.7683% | 4,158 |
| Net interest margin | 4.0164% | 2,800 |
| Noninterest income to average assets | 1.0149% | 1,519 |
| Noninterest expense to average assets | 3.1640% | 3,497 |
| Loan and lease loss provision to assets | 0.1612% | 6,075 |
| Net operating income to assets | 1.4458% | 773 |
| Return on assets (ROA) | 1.5172% | 693 |
| Pretax return on assets | 1.5172% | 1,143 |
| Return on Equity (ROE) | 16.2514% | 528 |
| Retained earnings to average equity (ytd only) | 8.5746% | 572 |
| Net charge-offs to loans | 0.0301% | 6,826 |
| Credit loss provision to net charge-offs | 1,034.4828% | 283 |
| Earnings coverage of net charge-offs (x) | 103.1379% | 270 |
| Efficiency ratio | 66.3176% | 5,331 |
| Assets per employee ($millions) | 2.4589% | 7,268 |
| Cash dividends to net income (ytd only)* | 47.2380% | 2,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3631% | 4,419 |
| Loan loss allowance to noncurrent loans | 744.3820% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.0928% | 7,264 |
| Noncurrent loans to loans | 0.1831% | 6,966 |
| Net loans and leases to total assets | 49.9919% | 6,641 |
| Net loans and leases to deposits | 58.3133% | 6,766 |
| Net loans and leases to core deposits | 88.3500% | 5,291 |
| Total domestic deposits to total assets | 85.7299% | 3,150 |
| Equity capital to assets | 9.7026% | 4,144 |
| Core capital (leverage) ratio | 8.9713% | 4,473 |
| Tier 1 risk-based capital ratio | 13.7090% | 3,678 |
| Total risk-based capital ratio | 14.8217% | 3,722 |
| Memoranda: | ||
| Average total assets | $186,126,800 | 3,338 |
| Average earning assets | $174,061,600 | 3,291 |
| Average equity | $17,377,000 | 3,598 |
| Average total loans | $96,341,600 | 4,054 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8264% | 2,774 |
| Cost of funding earning assets | 1.8781% | 4,000 |
| Net interest margin | 3.9483% | 3,044 |
| Noninterest income to average assets | 0.9932% | 1,632 |
| Noninterest expense to average assets | 3.1421% | 3,492 |
| Loan and lease loss provision to assets | 0.1732% | 5,629 |
| Net operating income to assets | 1.3715% | 1,083 |
| Return on assets (ROA) | 1.4675% | 940 |
| Pretax return on assets | 1.4675% | 1,498 |
| Return on Equity (ROE) | 15.8803% | 674 |
| Retained earnings to average equity (ytd only) | 8.5298% | 966 |
| Net charge-offs to loans | 0.0486% | 6,235 |
| Credit loss provision to net charge-offs | 685.7143% | 547 |
| Earnings coverage of net charge-offs (x) | 61.1369% | 539 |
| Efficiency ratio | 67.0414% | 5,178 |
| Assets per employee ($millions) | 2.4411% | 7,321 |
| Cash dividends to net income (ytd only)* | 46.2864% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2832% | 4,600 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 50.8660% | 6,711 |
| Net loans and leases to deposits | 59.1824% | 6,890 |
| Net loans and leases to core deposits | 86.7251% | 5,796 |
| Total domestic deposits to total assets | 85.9479% | 2,721 |
| Equity capital to assets | 9.5843% | 4,638 |
| Core capital (leverage) ratio | 8.5817% | 5,325 |
| Tier 1 risk-based capital ratio | 13.8047% | 3,663 |
| Total risk-based capital ratio | 14.8972% | 3,690 |
| Memoranda: | ||
| Average total assets | $184,710,250 | 3,391 |
| Average earning assets | $172,795,250 | 3,338 |
| Average equity | $17,069,000 | 3,689 |
| Average total loans | $96,125,500 | 4,078 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8697% | 2,718 |
| Cost of funding earning assets | 2.0037% | 3,760 |
| Net interest margin | 3.8660% | 3,268 |
| Noninterest income to average assets | 0.9595% | 1,729 |
| Noninterest expense to average assets | 3.1716% | 3,424 |
| Loan and lease loss provision to assets | 0.2068% | 4,982 |
| Net operating income to assets | 1.1990% | 1,477 |
| Return on assets (ROA) | 1.3435% | 1,204 |
| Pretax return on assets | 1.3435% | 1,898 |
| Return on Equity (ROE) | 14.7280% | 872 |
| Retained earnings to average equity (ytd only) | 7.3041% | 1,467 |
| Net charge-offs to loans | 0.0482% | 5,802 |
| Credit loss provision to net charge-offs | 821.7391% | 574 |
| Earnings coverage of net charge-offs (x) | 55.8696% | 629 |
| Efficiency ratio | 69.2878% | 4,922 |
| Assets per employee ($millions) | 2.5174% | 7,214 |
| Cash dividends to net income (ytd only)* | 50.4072% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2821% | 4,385 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 51.8281% | 6,702 |
| Net loans and leases to deposits | 60.2268% | 6,872 |
| Net loans and leases to core deposits | 81.2033% | 6,305 |
| Total domestic deposits to total assets | 86.0549% | 2,760 |
| Equity capital to assets | 9.2285% | 4,968 |
| Core capital (leverage) ratio | 8.2848% | 5,830 |
| Tier 1 risk-based capital ratio | 14.0595% | 3,481 |
| Total risk-based capital ratio | 15.1744% | 3,501 |
| Memoranda: | ||
| Average total assets | $182,811,670 | 3,444 |
| Average earning assets | $171,082,330 | 3,375 |
| Average equity | $16,675,670 | 3,780 |
| Average total loans | $95,463,670 | 4,132 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9165% | 2,723 |
| Cost of funding earning assets | 2.0786% | 3,745 |
| Net interest margin | 3.8379% | 3,306 |
| Noninterest income to average assets | 0.9587% | 1,609 |
| Noninterest expense to average assets | 3.0590% | 3,524 |
| Loan and lease loss provision to assets | 0.0980% | 5,703 |
| Net operating income to assets | 1.3900% | 1,163 |
| Return on assets (ROA) | 1.4380% | 1,144 |
| Pretax return on assets | 1.4380% | 1,853 |
| Return on Equity (ROE) | 15.8559% | 847 |
| Retained earnings to average equity (ytd only) | 15.8559% | 350 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2736% | 5,088 |
| Assets per employee ($millions) | 2.6888% | 6,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1442% | 5,164 |
| Loan loss allowance to noncurrent loans | 2,747.5000% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.0213% | 7,563 |
| Noncurrent loans to loans | 0.0416% | 7,422 |
| Net loans and leases to total assets | 50.4490% | 6,816 |
| Net loans and leases to deposits | 58.3297% | 7,012 |
| Net loans and leases to core deposits | 86.6248% | 5,859 |
| Total domestic deposits to total assets | 86.4893% | 2,449 |
| Equity capital to assets | 9.0477% | 5,296 |
| Core capital (leverage) ratio | 8.3168% | 5,874 |
| Tier 1 risk-based capital ratio | 13.5919% | 3,804 |
| Total risk-based capital ratio | 14.5590% | 3,911 |
| Memoranda: | ||
| Average total assets | $183,591,000 | 3,450 |
| Average earning assets | $171,654,500 | 3,395 |
| Average equity | $16,650,000 | 3,802 |
| Average total loans | $95,615,500 | 4,162 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3962% | 3,437 |
| Cost of funding earning assets | 2.5890% | 3,731 |
| Net interest margin | 3.8071% | 3,990 |
| Noninterest income to average assets | 1.1777% | 1,106 |
| Noninterest expense to average assets | 3.1230% | 3,606 |
| Loan and lease loss provision to assets | 0.1693% | 5,211 |
| Net operating income to assets | 1.4387% | 1,148 |
| Return on assets (ROA) | 1.4434% | 1,090 |
| Pretax return on assets | 1.4434% | 1,841 |
| Return on Equity (ROE) | 16.2392% | 736 |
| Retained earnings to average equity (ytd only) | 5.6261% | 1,699 |
| Net charge-offs to loans | 0.0456% | 6,138 |
| Credit loss provision to net charge-offs | 697.5610% | 608 |
| Earnings coverage of net charge-offs (x) | 66.2683% | 608 |
| Efficiency ratio | 66.0120% | 5,125 |
| Assets per employee ($millions) | 2.7534% | 6,668 |
| Cash dividends to net income (ytd only)* | 65.3547% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1074% | 5,220 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 52.5938% | 6,790 |
| Net loans and leases to deposits | 61.0225% | 7,014 |
| Net loans and leases to core deposits | 87.9880% | 5,976 |
| Total domestic deposits to total assets | 86.1875% | 2,322 |
| Equity capital to assets | 9.0916% | 5,238 |
| Core capital (leverage) ratio | 8.3352% | 5,880 |
| Tier 1 risk-based capital ratio | 13.7843% | 3,651 |
| Total risk-based capital ratio | 14.7661% | 3,708 |
| Memoranda: | ||
| Average total assets | $168,974,200 | 3,570 |
| Average earning assets | $157,704,200 | 3,512 |
| Average equity | $15,019,200 | 4,139 |
| Average total loans | $89,932,400 | 4,227 |