Home > American National Bank - Fox Cities > Performance and Condition Ratios
American National Bank - Fox Cities, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7782% | 1,527 |
| Cost of funding earning assets | 2.7812% | 507 |
| Net interest margin | 2.9971% | 3,407 |
| Noninterest income to average assets | 0.2100% | 3,487 |
| Noninterest expense to average assets | 1.8113% | 3,894 |
| Loan and lease loss provision to assets | 0.0600% | 1,800 |
| Net operating income to assets | 1.1789% | 1,786 |
| Return on assets (ROA) | 1.1789% | 1,787 |
| Pretax return on assets | 1.1789% | 2,294 |
| Return on Equity (ROE) | 10.2600% | 2,241 |
| Retained earnings to average equity (ytd only) | 7.3754% | 1,876 |
| Net charge-offs to loans | 0.1085% | 783 |
| Credit loss provision to net charge-offs | 71.4286% | 1,451 |
| Earnings coverage of net charge-offs (x) | 15.1190% | 1,552 |
| Efficiency ratio | 59.4120% | 3,036 |
| Assets per employee ($millions) | 11.9245% | 455 |
| Cash dividends to net income (ytd only)* | 28.0992% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0067% | 3,189 |
| Loan loss allowance to noncurrent loans | 1,006.2500% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.0767% | 3,157 |
| Noncurrent loans to loans | 0.1000% | 3,163 |
| Net loans and leases to total assets | 75.8600% | 1,105 |
| Net loans and leases to deposits | 88.9617% | 1,202 |
| Net loans and leases to core deposits | 170.4945% | 81 |
| Total domestic deposits to total assets | 85.2800% | 2,549 |
| Equity capital to assets | 11.5625% | 1,396 |
| Core capital (leverage) ratio | 13.2206% | 1,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $410,542,500 | 2,042 |
| Average earning assets | $389,045,500 | 2,010 |
| Average equity | $47,184,000 | 1,836 |
| Average total loans | $309,781,500 | 1,841 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8687% | 1,478 |
| Cost of funding earning assets | 2.9772% | 513 |
| Net interest margin | 2.8915% | 3,331 |
| Noninterest income to average assets | 0.2100% | 3,644 |
| Noninterest expense to average assets | 1.7944% | 3,962 |
| Loan and lease loss provision to assets | 0.2100% | 634 |
| Net operating income to assets | 0.9499% | 2,221 |
| Return on assets (ROA) | 0.9529% | 2,207 |
| Pretax return on assets | 0.9534% | 2,655 |
| Return on Equity (ROE) | 8.2700% | 2,673 |
| Retained earnings to average equity (ytd only) | 3.7969% | 2,710 |
| Net charge-offs to loans | 0.3665% | 402 |
| Credit loss provision to net charge-offs | 75.5083% | 2,159 |
| Earnings coverage of net charge-offs (x) | 4.2163% | 2,675 |
| Efficiency ratio | 60.7840% | 3,075 |
| Assets per employee ($millions) | 11.5350% | 489 |
| Cash dividends to net income (ytd only)* | 54.1145% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0824% | 2,776 |
| Loan loss allowance to noncurrent loans | 855.9367% | 832 |
| Noncurrent assets plus other real estate owned to assets | 0.0939% | 3,029 |
| Noncurrent loans to loans | 0.1265% | 3,017 |
| Net loans and leases to total assets | 73.4300% | 1,484 |
| Net loans and leases to deposits | 85.6150% | 1,631 |
| Net loans and leases to core deposits | 161.7670% | 119 |
| Total domestic deposits to total assets | 85.7700% | 2,294 |
| Equity capital to assets | 11.4214% | 1,406 |
| Core capital (leverage) ratio | 13.0354% | 1,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $394,051,800 | 2,060 |
| Average earning assets | $373,780,000 | 2,032 |
| Average equity | $45,378,600 | 1,835 |
| Average total loans | $295,230,000 | 1,869 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8179% | 1,525 |
| Cost of funding earning assets | 2.9681% | 538 |
| Net interest margin | 2.8498% | 3,363 |
| Noninterest income to average assets | 0.2100% | 3,632 |
| Noninterest expense to average assets | 1.7938% | 3,940 |
| Loan and lease loss provision to assets | 0.0600% | 1,841 |
| Net operating income to assets | 1.0584% | 1,880 |
| Return on assets (ROA) | 1.0625% | 1,875 |
| Pretax return on assets | 1.0632% | 2,348 |
| Return on Equity (ROE) | 9.2100% | 2,422 |
| Retained earnings to average equity (ytd only) | 3.2126% | 3,101 |
| Net charge-offs to loans | 0.3590% | 363 |
| Credit loss provision to net charge-offs | 21.4646% | 2,181 |
| Earnings coverage of net charge-offs (x) | 4.1427% | 2,466 |
| Efficiency ratio | 61.6257% | 2,984 |
| Assets per employee ($millions) | 11.4214% | 497 |
| Cash dividends to net income (ytd only)* | 65.1073% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9730% | 3,377 |
| Loan loss allowance to noncurrent loans | 504.7203% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 0.1431% | 2,755 |
| Noncurrent loans to loans | 0.1928% | 2,771 |
| Net loans and leases to total assets | 73.5000% | 1,435 |
| Net loans and leases to deposits | 91.0463% | 1,140 |
| Net loans and leases to core deposits | 169.8934% | 95 |
| Total domestic deposits to total assets | 80.7300% | 3,357 |
| Equity capital to assets | 11.9723% | 1,298 |
| Core capital (leverage) ratio | 13.1281% | 1,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $391,633,250 | 2,059 |
| Average earning assets | $371,715,250 | 2,036 |
| Average equity | $45,195,500 | 1,837 |
| Average total loans | $294,108,500 | 1,871 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7222% | 1,567 |
| Cost of funding earning assets | 2.9134% | 533 |
| Net interest margin | 2.8089% | 3,401 |
| Noninterest income to average assets | 0.2000% | 3,684 |
| Noninterest expense to average assets | 1.7777% | 3,967 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.0357% | 1,883 |
| Return on assets (ROA) | 1.0377% | 1,883 |
| Pretax return on assets | 1.0388% | 2,366 |
| Return on Equity (ROE) | 9.1100% | 2,419 |
| Retained earnings to average equity (ytd only) | 1.5753% | 3,464 |
| Net charge-offs to loans | -0.0055% | 3,821 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 61.8758% | 3,013 |
| Assets per employee ($millions) | 11.7570% | 445 |
| Cash dividends to net income (ytd only)* | 82.7056% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1971% | 2,260 |
| Loan loss allowance to noncurrent loans | 264.6501% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 0.3432% | 1,788 |
| Noncurrent loans to loans | 0.4523% | 1,865 |
| Net loans and leases to total assets | 74.9700% | 1,299 |
| Net loans and leases to deposits | 91.8246% | 1,140 |
| Net loans and leases to core deposits | 176.4120% | 78 |
| Total domestic deposits to total assets | 81.6500% | 3,154 |
| Equity capital to assets | 11.1053% | 1,519 |
| Core capital (leverage) ratio | 12.7539% | 1,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $388,928,000 | 2,063 |
| Average earning assets | $369,471,333 | 2,037 |
| Average equity | $44,307,667 | 1,842 |
| Average total loans | $293,245,000 | 1,873 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4714% | 1,866 |
| Cost of funding earning assets | 2.7313% | 682 |
| Net interest margin | 2.7401% | 3,484 |
| Noninterest income to average assets | 0.2200% | 3,505 |
| Noninterest expense to average assets | 1.7626% | 4,007 |
| Loan and lease loss provision to assets | 0.0600% | 1,561 |
| Net operating income to assets | 0.9254% | 2,165 |
| Return on assets (ROA) | 0.9293% | 2,168 |
| Pretax return on assets | 1.0127% | 2,349 |
| Return on Equity (ROE) | 8.0500% | 2,678 |
| Retained earnings to average equity (ytd only) | -0.6687% | 3,815 |
| Net charge-offs to loans | -0.0111% | 3,955 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 62.2697% | 3,004 |
| Assets per employee ($millions) | 11.9086% | 437 |
| Cash dividends to net income (ytd only)* | 108.3053% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2175% | 2,194 |
| Loan loss allowance to noncurrent loans | 17,019.0476% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.0053% | 3,796 |
| Noncurrent loans to loans | 0.0072% | 3,750 |
| Net loans and leases to total assets | 73.7900% | 1,361 |
| Net loans and leases to deposits | 89.1442% | 1,264 |
| Net loans and leases to core deposits | 169.1508% | 129 |
| Total domestic deposits to total assets | 82.7800% | 3,026 |
| Equity capital to assets | 11.1686% | 1,444 |
| Core capital (leverage) ratio | 13.3374% | 947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $383,523,500 | 2,091 |
| Average earning assets | $364,805,500 | 2,060 |
| Average equity | $44,265,500 | 1,827 |
| Average total loans | $288,208,500 | 1,885 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0717% | 1,922 |
| Cost of funding earning assets | 1.9967% | 921 |
| Net interest margin | 3.0749% | 3,147 |
| Noninterest income to average assets | 0.8200% | 901 |
| Noninterest expense to average assets | 1.8181% | 3,975 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.7103% | 720 |
| Return on assets (ROA) | 1.4105% | 1,173 |
| Pretax return on assets | 1.5378% | 1,346 |
| Return on Equity (ROE) | 12.5800% | 1,826 |
| Retained earnings to average equity (ytd only) | 7.0798% | 1,873 |
| Net charge-offs to loans | -0.0405% | 4,321 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 48.8037% | 4,048 |
| Assets per employee ($millions) | 11.6895% | 444 |
| Cash dividends to net income (ytd only)* | 43.7293% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2406% | 2,067 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 74.6800% | 1,274 |
| Net loans and leases to deposits | 92.1740% | 1,077 |
| Net loans and leases to core deposits | 148.8295% | 212 |
| Total domestic deposits to total assets | 81.0200% | 3,305 |
| Equity capital to assets | 11.9338% | 1,149 |
| Core capital (leverage) ratio | 13.8633% | 826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $364,615,200 | 2,138 |
| Average earning assets | $344,461,400 | 2,113 |
| Average equity | $40,876,600 | 1,859 |
| Average total loans | $269,462,600 | 1,916 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0299% | 1,773 |
| Cost of funding earning assets | 1.8509% | 927 |
| Net interest margin | 3.1790% | 2,962 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 1.8506% | 3,881 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.2616% | 1,628 |
| Return on assets (ROA) | 1.2635% | 1,612 |
| Pretax return on assets | 1.3968% | 1,786 |
| Return on Equity (ROE) | 11.4600% | 2,265 |
| Retained earnings to average equity (ytd only) | 4.1966% | 3,205 |
| Net charge-offs to loans | -0.0546% | 4,386 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 56.2668% | 3,382 |
| Assets per employee ($millions) | 11.0670% | 488 |
| Cash dividends to net income (ytd only)* | 63.3848% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2659% | 2,028 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 74.0800% | 1,331 |
| Net loans and leases to deposits | 85.9235% | 1,583 |
| Net loans and leases to core deposits | 137.9782% | 243 |
| Total domestic deposits to total assets | 86.2200% | 2,129 |
| Equity capital to assets | 10.5745% | 1,522 |
| Core capital (leverage) ratio | 13.1348% | 1,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $362,253,250 | 2,154 |
| Average earning assets | $341,944,500 | 2,128 |
| Average equity | $39,935,750 | 1,872 |
| Average total loans | $266,114,250 | 1,933 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8222% | 1,947 |
| Cost of funding earning assets | 1.6428% | 978 |
| Net interest margin | 3.1794% | 3,035 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 1.8562% | 3,897 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.2846% | 1,610 |
| Return on assets (ROA) | 1.2871% | 1,586 |
| Pretax return on assets | 1.4206% | 1,760 |
| Return on Equity (ROE) | 11.5200% | 2,290 |
| Retained earnings to average equity (ytd only) | 3.2991% | 3,403 |
| Net charge-offs to loans | -0.0827% | 4,483 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 55.9393% | 3,429 |
| Assets per employee ($millions) | 11.8580% | 391 |
| Cash dividends to net income (ytd only)* | 71.3548% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2717% | 2,056 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 72.4400% | 1,473 |
| Net loans and leases to deposits | 85.7592% | 1,520 |
| Net loans and leases to core deposits | 141.4178% | 204 |
| Total domestic deposits to total assets | 84.4700% | 2,706 |
| Equity capital to assets | 11.0406% | 1,376 |
| Core capital (leverage) ratio | 13.3874% | 908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $361,267,667 | 2,161 |
| Average earning assets | $341,131,333 | 2,136 |
| Average equity | $40,374,667 | 1,867 |
| Average total loans | $263,477,333 | 1,939 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7093% | 1,825 |
| Cost of funding earning assets | 1.4384% | 959 |
| Net interest margin | 3.2708% | 2,948 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 1.8196% | 3,992 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.3466% | 1,556 |
| Return on assets (ROA) | 1.3527% | 1,510 |
| Pretax return on assets | 1.4878% | 1,698 |
| Return on Equity (ROE) | 12.0300% | 2,210 |
| Retained earnings to average equity (ytd only) | 6.3870% | 2,667 |
| Net charge-offs to loans | -0.1675% | 4,574 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 54.3907% | 3,566 |
| Assets per employee ($millions) | 11.7297% | 429 |
| Cash dividends to net income (ytd only)* | 46.9034% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2759% | 2,149 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0547% | 3,238 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 72.1400% | 1,410 |
| Net loans and leases to deposits | 85.8334% | 1,365 |
| Net loans and leases to core deposits | 139.6490% | 187 |
| Total domestic deposits to total assets | 84.0400% | 3,084 |
| Equity capital to assets | 11.2950% | 1,227 |
| Core capital (leverage) ratio | 13.5240% | 830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $358,103,000 | 2,201 |
| Average earning assets | $338,142,500 | 2,179 |
| Average equity | $40,269,500 | 1,888 |
| Average total loans | $260,359,000 | 1,970 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0322% | 1,634 |
| Cost of funding earning assets | 0.6056% | 883 |
| Net interest margin | 3.4266% | 2,161 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 1.9445% | 3,736 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4721% | 955 |
| Return on assets (ROA) | 1.4182% | 1,050 |
| Pretax return on assets | 1.5335% | 1,352 |
| Return on Equity (ROE) | 12.1400% | 2,096 |
| Retained earnings to average equity (ytd only) | 6.4032% | 2,490 |
| Net charge-offs to loans | -0.1163% | 4,549 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 54.9818% | 3,685 |
| Assets per employee ($millions) | 11.0183% | 505 |
| Cash dividends to net income (ytd only)* | 47.2534% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2709% | 2,035 |
| Loan loss allowance to noncurrent loans | 12,964.0000% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.0635% | 3,172 |
| Noncurrent loans to loans | 0.0098% | 3,777 |
| Net loans and leases to total assets | 71.4100% | 1,480 |
| Net loans and leases to deposits | 85.0594% | 1,385 |
| Net loans and leases to core deposits | 124.6127% | 297 |
| Total domestic deposits to total assets | 83.9500% | 3,220 |
| Equity capital to assets | 11.1939% | 1,188 |
| Core capital (leverage) ratio | 13.7434% | 764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $358,133,400 | 2,186 |
| Average earning assets | $338,152,200 | 2,163 |
| Average equity | $41,838,400 | 1,859 |
| Average total loans | $252,762,200 | 1,921 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8784% | 1,536 |
| Cost of funding earning assets | 0.4846% | 817 |
| Net interest margin | 3.3938% | 1,993 |
| Noninterest income to average assets | 0.2900% | 3,445 |
| Noninterest expense to average assets | 1.8699% | 3,818 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5125% | 828 |
| Return on assets (ROA) | 1.5142% | 800 |
| Pretax return on assets | 1.6321% | 1,047 |
| Return on Equity (ROE) | 12.8300% | 1,761 |
| Retained earnings to average equity (ytd only) | 5.4424% | 2,941 |
| Net charge-offs to loans | -0.1115% | 4,520 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 53.4223% | 3,878 |
| Assets per employee ($millions) | 10.4039% | 579 |
| Cash dividends to net income (ytd only)* | 57.5802% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2534% | 2,246 |
| Loan loss allowance to noncurrent loans | 12,632.0000% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.0633% | 3,254 |
| Noncurrent loans to loans | 0.0099% | 3,876 |
| Net loans and leases to total assets | 70.3300% | 1,452 |
| Net loans and leases to deposits | 82.4653% | 1,409 |
| Net loans and leases to core deposits | 125.0003% | 188 |
| Total domestic deposits to total assets | 85.2900% | 3,218 |
| Equity capital to assets | 10.8053% | 1,250 |
| Core capital (leverage) ratio | 13.1320% | 870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $359,520,250 | 2,200 |
| Average earning assets | $339,548,500 | 2,168 |
| Average equity | $42,431,000 | 1,870 |
| Average total loans | $252,197,500 | 1,928 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7294% | 1,474 |
| Cost of funding earning assets | 0.3832% | 1,034 |
| Net interest margin | 3.3463% | 1,773 |
| Noninterest income to average assets | 0.2783% | 3,502 |
| Noninterest expense to average assets | 1.8027% | 3,946 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.5230% | 667 |
| Return on assets (ROA) | 1.5255% | 642 |
| Pretax return on assets | 1.6434% | 862 |
| Return on Equity (ROE) | 12.5793% | 1,501 |
| Retained earnings to average equity (ytd only) | 4.5170% | 2,876 |
| Net charge-offs to loans | -0.1681% | 4,562 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3542% | 4,097 |
| Assets per employee ($millions) | 10.4382% | 579 |
| Cash dividends to net income (ytd only)* | 64.0914% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2382% | 2,479 |
| Loan loss allowance to noncurrent loans | 375.1781% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 0.2933% | 1,828 |
| Noncurrent loans to loans | 0.3300% | 2,156 |
| Net loans and leases to total assets | 70.9961% | 1,201 |
| Net loans and leases to deposits | 81.7362% | 1,264 |
| Net loans and leases to core deposits | 125.8422% | 145 |
| Total domestic deposits to total assets | 86.8600% | 2,988 |
| Equity capital to assets | 11.3215% | 1,093 |
| Core capital (leverage) ratio | 13.2020% | 766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $361,449,333 | 2,193 |
| Average earning assets | $341,874,000 | 2,176 |
| Average equity | $43,834,000 | 1,865 |
| Average total loans | $252,279,667 | 1,933 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6412% | 1,400 |
| Cost of funding earning assets | 0.3514% | 1,189 |
| Net interest margin | 3.2898% | 1,591 |
| Noninterest income to average assets | 0.2851% | 3,423 |
| Noninterest expense to average assets | 1.6955% | 4,138 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.5851% | 528 |
| Return on assets (ROA) | 1.5902% | 519 |
| Pretax return on assets | 1.7065% | 674 |
| Return on Equity (ROE) | 12.7023% | 1,110 |
| Retained earnings to average equity (ytd only) | 9.8990% | 1,043 |
| Net charge-offs to loans | -0.3269% | 4,670 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9193% | 4,314 |
| Assets per employee ($millions) | 10.9414% | 520 |
| Cash dividends to net income (ytd only)* | 22.0690% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2373% | 2,662 |
| Loan loss allowance to noncurrent loans | 384.8596% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 0.2737% | 2,034 |
| Noncurrent loans to loans | 0.3215% | 2,318 |
| Net loans and leases to total assets | 67.6320% | 1,252 |
| Net loans and leases to deposits | 81.1225% | 1,065 |
| Net loans and leases to core deposits | 116.1828% | 173 |
| Total domestic deposits to total assets | 83.3702% | 3,889 |
| Equity capital to assets | 11.8038% | 1,023 |
| Core capital (leverage) ratio | 13.3690% | 696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $364,724,000 | 2,186 |
| Average earning assets | $344,942,500 | 2,166 |
| Average equity | $45,661,000 | 1,863 |
| Average total loans | $250,857,500 | 1,930 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7488% | 1,981 |
| Cost of funding earning assets | 0.4621% | 1,113 |
| Net interest margin | 3.2868% | 2,348 |
| Noninterest income to average assets | 0.3233% | 3,470 |
| Noninterest expense to average assets | 1.7570% | 4,213 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.5692% | 879 |
| Return on assets (ROA) | 1.5476% | 954 |
| Pretax return on assets | 1.6474% | 1,285 |
| Return on Equity (ROE) | 11.5976% | 1,950 |
| Retained earnings to average equity (ytd only) | 6.9995% | 1,916 |
| Net charge-offs to loans | 0.0456% | 1,375 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 50.4957% | 1,290 |
| Efficiency ratio | 51.2631% | 4,179 |
| Assets per employee ($millions) | 10.2126% | 628 |
| Cash dividends to net income (ytd only)* | 39.6468% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1933% | 2,916 |
| Loan loss allowance to noncurrent loans | 359.8291% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 0.2848% | 2,119 |
| Noncurrent loans to loans | 0.3316% | 2,397 |
| Net loans and leases to total assets | 68.2687% | 1,235 |
| Net loans and leases to deposits | 84.6446% | 874 |
| Net loans and leases to core deposits | 130.0045% | 104 |
| Total domestic deposits to total assets | 80.6534% | 4,150 |
| Equity capital to assets | 13.2640% | 832 |
| Core capital (leverage) ratio | 13.2237% | 749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $347,642,400 | 2,210 |
| Average earning assets | $328,317,000 | 2,196 |
| Average equity | $46,388,800 | 1,879 |
| Average total loans | $252,098,600 | 1,916 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7420% | 2,168 |
| Cost of funding earning assets | 0.4940% | 1,077 |
| Net interest margin | 3.2480% | 2,586 |
| Noninterest income to average assets | 0.3422% | 3,401 |
| Noninterest expense to average assets | 1.7783% | 4,206 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5281% | 1,199 |
| Return on assets (ROA) | 1.5241% | 1,255 |
| Pretax return on assets | 1.6249% | 1,626 |
| Return on Equity (ROE) | 11.4044% | 2,238 |
| Retained earnings to average equity (ytd only) | 5.2889% | 3,104 |
| Net charge-offs to loans | -0.1147% | 4,659 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1877% | 4,010 |
| Assets per employee ($millions) | 10.7334% | 521 |
| Cash dividends to net income (ytd only)* | 53.6239% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2572% | 2,694 |
| Loan loss allowance to noncurrent loans | 307.6923% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 0.3571% | 2,004 |
| Noncurrent loans to loans | 0.4086% | 2,335 |
| Net loans and leases to total assets | 72.7342% | 804 |
| Net loans and leases to deposits | 90.2690% | 594 |
| Net loans and leases to core deposits | 138.3739% | 86 |
| Total domestic deposits to total assets | 80.5749% | 4,154 |
| Equity capital to assets | 13.0951% | 957 |
| Core capital (leverage) ratio | 12.6682% | 933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $345,192,500 | 2,245 |
| Average earning assets | $325,767,500 | 2,226 |
| Average equity | $46,133,250 | 1,907 |
| Average total loans | $253,381,250 | 1,940 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6441% | 2,488 |
| Cost of funding earning assets | 0.5224% | 1,079 |
| Net interest margin | 3.1216% | 2,980 |
| Noninterest income to average assets | 0.3787% | 3,220 |
| Noninterest expense to average assets | 1.7721% | 4,241 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4559% | 1,409 |
| Return on assets (ROA) | 1.4629% | 1,455 |
| Pretax return on assets | 1.5652% | 1,835 |
| Return on Equity (ROE) | 10.8708% | 2,469 |
| Retained earnings to average equity (ytd only) | 4.7774% | 3,270 |
| Net charge-offs to loans | -0.0957% | 4,616 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2210% | 3,900 |
| Assets per employee ($millions) | 10.3034% | 560 |
| Cash dividends to net income (ytd only)* | 56.0527% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1808% | 3,048 |
| Loan loss allowance to noncurrent loans | 64.6485% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 1.3649% | 459 |
| Noncurrent loans to loans | 1.8265% | 562 |
| Net loans and leases to total assets | 73.8455% | 772 |
| Net loans and leases to deposits | 91.2636% | 581 |
| Net loans and leases to core deposits | 145.9282% | 78 |
| Total domestic deposits to total assets | 80.9144% | 4,098 |
| Equity capital to assets | 12.8377% | 1,001 |
| Core capital (leverage) ratio | 12.8919% | 823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $342,189,333 | 2,243 |
| Average earning assets | $323,484,667 | 2,229 |
| Average equity | $46,050,000 | 1,898 |
| Average total loans | $250,873,000 | 1,956 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7629% | 2,210 |
| Cost of funding earning assets | 0.5655% | 1,026 |
| Net interest margin | 3.1974% | 2,708 |
| Noninterest income to average assets | 0.5105% | 2,563 |
| Noninterest expense to average assets | 1.8248% | 4,161 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6011% | 1,126 |
| Return on assets (ROA) | 1.6157% | 1,151 |
| Pretax return on assets | 1.7239% | 1,444 |
| Return on Equity (ROE) | 11.7141% | 2,121 |
| Retained earnings to average equity (ytd only) | 10.2858% | 1,577 |
| Net charge-offs to loans | -0.1391% | 4,717 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6491% | 4,031 |
| Assets per employee ($millions) | 10.1132% | 576 |
| Cash dividends to net income (ytd only)* | 12.1933% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2832% | 2,511 |
| Loan loss allowance to noncurrent loans | 63.5299% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 1.4838% | 431 |
| Noncurrent loans to loans | 2.0198% | 533 |
| Net loans and leases to total assets | 72.5206% | 953 |
| Net loans and leases to deposits | 90.8537% | 659 |
| Net loans and leases to core deposits | 128.6818% | 155 |
| Total domestic deposits to total assets | 79.8214% | 4,230 |
| Equity capital to assets | 13.6825% | 745 |
| Core capital (leverage) ratio | 13.6833% | 704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $332,975,000 | 2,270 |
| Average earning assets | $314,760,500 | 2,250 |
| Average equity | $45,927,500 | 1,888 |
| Average total loans | $241,568,500 | 2,019 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6000% | 1,096 |
| Cost of funding earning assets | 0.9679% | 674 |
| Net interest margin | 3.6321% | 2,036 |
| Noninterest income to average assets | 0.3439% | 3,405 |
| Noninterest expense to average assets | 1.7682% | 4,520 |
| Loan and lease loss provision to assets | 0.6098% | 323 |
| Net operating income to assets | 1.3883% | 1,047 |
| Return on assets (ROA) | 1.4136% | 1,072 |
| Pretax return on assets | 1.4169% | 1,604 |
| Return on Equity (ROE) | 10.2630% | 1,903 |
| Retained earnings to average equity (ytd only) | 4.3523% | 2,621 |
| Net charge-offs to loans | 0.6341% | 236 |
| Credit loss provision to net charge-offs | 130.8901% | 2,550 |
| Earnings coverage of net charge-offs (x) | 4.2958% | 2,999 |
| Efficiency ratio | 46.9061% | 4,676 |
| Assets per employee ($millions) | 9.7711% | 572 |
| Cash dividends to net income (ytd only)* | 57.5928% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2867% | 2,481 |
| Loan loss allowance to noncurrent loans | 56.2868% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 1.6375% | 416 |
| Noncurrent loans to loans | 2.2861% | 465 |
| Net loans and leases to total assets | 70.7079% | 1,467 |
| Net loans and leases to deposits | 88.6426% | 1,029 |
| Net loans and leases to core deposits | 125.6643% | 249 |
| Total domestic deposits to total assets | 79.7674% | 4,081 |
| Equity capital to assets | 13.9042% | 818 |
| Core capital (leverage) ratio | 13.1119% | 869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $327,958,000 | 2,146 |
| Average earning assets | $309,325,200 | 2,122 |
| Average equity | $45,171,800 | 1,845 |
| Average total loans | $240,964,200 | 1,968 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8427% | 819 |
| Cost of funding earning assets | 1.0573% | 627 |
| Net interest margin | 3.7854% | 1,661 |
| Noninterest income to average assets | 0.3614% | 3,300 |
| Noninterest expense to average assets | 1.8126% | 4,472 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 2.1128% | 236 |
| Return on assets (ROA) | 2.1466% | 241 |
| Pretax return on assets | 2.1503% | 377 |
| Return on Equity (ROE) | 15.6226% | 591 |
| Retained earnings to average equity (ytd only) | 7.6970% | 1,421 |
| Net charge-offs to loans | 0.0210% | 2,438 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 136.5526% | 648 |
| Efficiency ratio | 46.1331% | 4,705 |
| Assets per employee ($millions) | 10.7316% | 408 |
| Cash dividends to net income (ytd only)* | 50.7315% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0129% | 3,645 |
| Loan loss allowance to noncurrent loans | 1,736.0544% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.0428% | 4,236 |
| Noncurrent loans to loans | 0.0583% | 4,141 |
| Net loans and leases to total assets | 72.6240% | 1,565 |
| Net loans and leases to deposits | 90.5966% | 1,211 |
| Net loans and leases to core deposits | 128.3136% | 266 |
| Total domestic deposits to total assets | 80.1619% | 3,827 |
| Equity capital to assets | 13.6702% | 949 |
| Core capital (leverage) ratio | 12.8894% | 971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $326,893,500 | 2,132 |
| Average earning assets | $308,086,250 | 2,109 |
| Average equity | $44,916,750 | 1,842 |
| Average total loans | $241,714,000 | 1,964 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0120% | 805 |
| Cost of funding earning assets | 1.1726% | 560 |
| Net interest margin | 3.8395% | 1,714 |
| Noninterest income to average assets | 0.3535% | 3,359 |
| Noninterest expense to average assets | 1.8644% | 4,466 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 2.1021% | 264 |
| Return on assets (ROA) | 2.1438% | 267 |
| Pretax return on assets | 2.1476% | 397 |
| Return on Equity (ROE) | 15.5739% | 625 |
| Retained earnings to average equity (ytd only) | 6.9529% | 1,681 |
| Net charge-offs to loans | 0.0781% | 1,464 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 36.3871% | 1,308 |
| Efficiency ratio | 46.9592% | 4,677 |
| Assets per employee ($millions) | 10.8664% | 398 |
| Cash dividends to net income (ytd only)* | 55.3556% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9442% | 3,820 |
| Loan loss allowance to noncurrent loans | 800.3205% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.0897% | 4,080 |
| Noncurrent loans to loans | 0.1180% | 3,978 |
| Net loans and leases to total assets | 75.3337% | 1,223 |
| Net loans and leases to deposits | 95.6710% | 823 |
| Net loans and leases to core deposits | 136.0892% | 199 |
| Total domestic deposits to total assets | 78.7424% | 4,076 |
| Equity capital to assets | 13.1995% | 1,077 |
| Core capital (leverage) ratio | 12.8799% | 1,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $321,388,000 | 2,141 |
| Average earning assets | $302,751,333 | 2,118 |
| Average equity | $44,240,667 | 1,851 |
| Average total loans | $238,302,000 | 1,963 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5966% | 2,004 |
| Cost of funding earning assets | 1.3216% | 530 |
| Net interest margin | 3.2750% | 3,656 |
| Noninterest income to average assets | 0.2712% | 3,911 |
| Noninterest expense to average assets | 1.7844% | 4,686 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.5625% | 677 |
| Return on assets (ROA) | 1.6222% | 655 |
| Pretax return on assets | 1.6274% | 997 |
| Return on Equity (ROE) | 11.5176% | 1,254 |
| Retained earnings to average equity (ytd only) | 5.5469% | 2,049 |
| Net charge-offs to loans | -0.0195% | 4,329 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2327% | 4,452 |
| Assets per employee ($millions) | 10.4842% | 332 |
| Cash dividends to net income (ytd only)* | 51.8400% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1461% | 2,956 |
| Loan loss allowance to noncurrent loans | 884.6939% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.0935% | 4,149 |
| Noncurrent loans to loans | 0.1296% | 3,999 |
| Net loans and leases to total assets | 71.3255% | 2,033 |
| Net loans and leases to deposits | 88.5854% | 1,682 |
| Net loans and leases to core deposits | 127.7420% | 303 |
| Total domestic deposits to total assets | 80.5161% | 3,760 |
| Equity capital to assets | 14.0764% | 1,032 |
| Core capital (leverage) ratio | 13.8847% | 938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $308,219,500 | 2,157 |
| Average earning assets | $289,956,500 | 2,134 |
| Average equity | $43,412,000 | 1,868 |
| Average total loans | $225,227,500 | 2,019 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9659% | 1,566 |
| Cost of funding earning assets | 1.4088% | 548 |
| Net interest margin | 3.5571% | 3,265 |
| Noninterest income to average assets | 0.2521% | 4,169 |
| Noninterest expense to average assets | 1.7543% | 4,821 |
| Loan and lease loss provision to assets | -0.4551% | 5,162 |
| Net operating income to assets | 2.2872% | 189 |
| Return on assets (ROA) | 2.2689% | 208 |
| Pretax return on assets | 2.2723% | 330 |
| Return on Equity (ROE) | 16.4454% | 483 |
| Retained earnings to average equity (ytd only) | 6.8200% | 1,470 |
| Net charge-offs to loans | -0.2356% | 5,070 |
| Credit loss provision to net charge-offs | 258.6538% | 1,065 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8690% | 4,792 |
| Assets per employee ($millions) | 9.7391% | 383 |
| Cash dividends to net income (ytd only)* | 58.5297% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1588% | 2,648 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 73.1756% | 1,894 |
| Net loans and leases to deposits | 89.6477% | 1,636 |
| Net loans and leases to core deposits | 135.2445% | 220 |
| Total domestic deposits to total assets | 81.6258% | 3,609 |
| Equity capital to assets | 14.0935% | 1,068 |
| Core capital (leverage) ratio | 13.9478% | 941 |
| Tier 1 risk-based capital ratio | 15.7861% | 2,476 |
| Total risk-based capital ratio | 16.7727% | 2,503 |
| Memoranda: | ||
| Average total assets | $295,558,600 | 2,182 |
| Average earning assets | $277,330,600 | 2,164 |
| Average equity | $40,777,400 | 1,897 |
| Average total loans | $220,708,200 | 2,024 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0689% | 1,361 |
| Cost of funding earning assets | 1.4055% | 572 |
| Net interest margin | 3.6634% | 3,051 |
| Noninterest income to average assets | 0.2299% | 4,358 |
| Noninterest expense to average assets | 1.7743% | 4,852 |
| Loan and lease loss provision to assets | -0.6100% | 5,249 |
| Net operating income to assets | 2.5009% | 161 |
| Return on assets (ROA) | 2.4918% | 174 |
| Pretax return on assets | 2.4954% | 250 |
| Return on Equity (ROE) | 18.1611% | 382 |
| Retained earnings to average equity (ytd only) | 5.3055% | 2,728 |
| Net charge-offs to loans | -0.3012% | 5,153 |
| Credit loss provision to net charge-offs | 270.6237% | 1,025 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3620% | 4,831 |
| Assets per employee ($millions) | 10.0211% | 353 |
| Cash dividends to net income (ytd only)* | 70.7863% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1393% | 2,831 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 74.0956% | 1,801 |
| Net loans and leases to deposits | 90.4178% | 1,644 |
| Net loans and leases to core deposits | 138.9345% | 195 |
| Total domestic deposits to total assets | 81.9480% | 3,488 |
| Equity capital to assets | 13.8794% | 1,200 |
| Core capital (leverage) ratio | 13.4007% | 1,169 |
| Tier 1 risk-based capital ratio | 15.1915% | 2,759 |
| Total risk-based capital ratio | 16.1600% | 2,822 |
| Memoranda: | ||
| Average total assets | $293,970,250 | 2,208 |
| Average earning assets | $275,951,000 | 2,184 |
| Average equity | $40,334,250 | 1,923 |
| Average total loans | $220,006,250 | 2,041 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1409% | 1,126 |
| Cost of funding earning assets | 1.3551% | 631 |
| Net interest margin | 3.7858% | 2,630 |
| Noninterest income to average assets | 0.2173% | 4,445 |
| Noninterest expense to average assets | 1.7741% | 4,902 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.0058% | 384 |
| Return on assets (ROA) | 2.0250% | 390 |
| Pretax return on assets | 2.0285% | 646 |
| Return on Equity (ROE) | 14.8180% | 802 |
| Retained earnings to average equity (ytd only) | 7.0980% | 1,761 |
| Net charge-offs to loans | -0.4509% | 5,216 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8926% | 4,943 |
| Assets per employee ($millions) | 10.0837% | 325 |
| Cash dividends to net income (ytd only)* | 52.0988% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7297% | 773 |
| Loan loss allowance to noncurrent loans | 10,281.5789% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.0126% | 4,733 |
| Noncurrent loans to loans | 0.0168% | 4,640 |
| Net loans and leases to total assets | 73.3751% | 1,991 |
| Net loans and leases to deposits | 88.4000% | 1,954 |
| Net loans and leases to core deposits | 136.9237% | 224 |
| Total domestic deposits to total assets | 83.0035% | 3,203 |
| Equity capital to assets | 13.6029% | 1,279 |
| Core capital (leverage) ratio | 13.7302% | 1,044 |
| Tier 1 risk-based capital ratio | 15.1619% | 2,764 |
| Total risk-based capital ratio | 16.4146% | 2,697 |
| Memoranda: | ||
| Average total assets | $291,749,670 | 2,225 |
| Average earning assets | $274,818,330 | 2,191 |
| Average equity | $39,870,330 | 1,942 |
| Average total loans | $218,234,330 | 2,056 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8117% | 1,867 |
| Cost of funding earning assets | 1.2999% | 660 |
| Net interest margin | 3.5118% | 3,563 |
| Noninterest income to average assets | 0.2095% | 4,494 |
| Noninterest expense to average assets | 1.7530% | 4,964 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.7656% | 634 |
| Return on assets (ROA) | 1.7558% | 665 |
| Pretax return on assets | 1.7600% | 1,076 |
| Return on Equity (ROE) | 12.8166% | 1,274 |
| Retained earnings to average equity (ytd only) | 10.0534% | 1,024 |
| Net charge-offs to loans | -0.0224% | 4,529 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7621% | 4,850 |
| Assets per employee ($millions) | 10.0781% | 333 |
| Cash dividends to net income (ytd only)* | 21.5593% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5858% | 1,093 |
| Loan loss allowance to noncurrent loans | 159.2472% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 0.7626% | 1,849 |
| Noncurrent loans to loans | 0.9958% | 1,679 |
| Net loans and leases to total assets | 75.3693% | 1,585 |
| Net loans and leases to deposits | 93.0042% | 1,282 |
| Net loans and leases to core deposits | 137.4019% | 216 |
| Total domestic deposits to total assets | 81.0385% | 3,959 |
| Equity capital to assets | 14.2299% | 956 |
| Core capital (leverage) ratio | 13.8214% | 996 |
| Tier 1 risk-based capital ratio | 15.1741% | 2,805 |
| Total risk-based capital ratio | 16.4249% | 2,714 |
| Memoranda: | ||
| Average total assets | $286,369,500 | 2,271 |
| Average earning assets | $270,174,500 | 2,244 |
| Average equity | $39,230,500 | 1,956 |
| Average total loans | $214,414,500 | 2,099 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7528% | 1,673 |
| Cost of funding earning assets | 1.1597% | 397 |
| Net interest margin | 3.5931% | 3,406 |
| Noninterest income to average assets | 0.2327% | 4,521 |
| Noninterest expense to average assets | 1.6807% | 5,115 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.9348% | 406 |
| Return on assets (ROA) | 1.8965% | 444 |
| Pretax return on assets | 1.8993% | 723 |
| Return on Equity (ROE) | 14.8188% | 867 |
| Retained earnings to average equity (ytd only) | 7.7307% | 1,362 |
| Net charge-offs to loans | 0.2224% | 873 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 11.5094% | 2,620 |
| Efficiency ratio | 46.4497% | 5,108 |
| Assets per employee ($millions) | 10.3768% | 307 |
| Cash dividends to net income (ytd only)* | 47.8317% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6054% | 1,021 |
| Loan loss allowance to noncurrent loans | 247.1056% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 0.4756% | 2,666 |
| Noncurrent loans to loans | 0.6497% | 2,369 |
| Net loans and leases to total assets | 72.0369% | 2,251 |
| Net loans and leases to deposits | 87.0710% | 2,156 |
| Net loans and leases to core deposits | 131.1790% | 297 |
| Total domestic deposits to total assets | 82.7335% | 3,410 |
| Equity capital to assets | 13.1839% | 1,261 |
| Core capital (leverage) ratio | 13.3829% | 1,113 |
| Tier 1 risk-based capital ratio | 14.7468% | 2,944 |
| Total risk-based capital ratio | 15.9977% | 2,875 |
| Memoranda: | ||
| Average total assets | $284,521,800 | 2,239 |
| Average earning assets | $268,094,200 | 2,208 |
| Average equity | $36,413,200 | 2,012 |
| Average total loans | $215,363,400 | 2,064 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7056% | 1,660 |
| Cost of funding earning assets | 1.1275% | 354 |
| Net interest margin | 3.5780% | 3,440 |
| Noninterest income to average assets | 0.2318% | 4,583 |
| Noninterest expense to average assets | 1.6903% | 5,143 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.9113% | 472 |
| Return on assets (ROA) | 1.9122% | 470 |
| Pretax return on assets | 1.9150% | 798 |
| Return on Equity (ROE) | 15.0580% | 863 |
| Retained earnings to average equity (ytd only) | 5.6278% | 2,868 |
| Net charge-offs to loans | 0.0722% | 1,807 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 34.7256% | 1,469 |
| Efficiency ratio | 46.8958% | 5,110 |
| Assets per employee ($millions) | 9.9824% | 336 |
| Cash dividends to net income (ytd only)* | 62.6263% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7106% | 850 |
| Loan loss allowance to noncurrent loans | 186.5185% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 0.6995% | 2,104 |
| Noncurrent loans to loans | 0.9171% | 1,867 |
| Net loans and leases to total assets | 74.9693% | 1,818 |
| Net loans and leases to deposits | 87.9322% | 2,161 |
| Net loans and leases to core deposits | 137.7833% | 225 |
| Total domestic deposits to total assets | 85.2582% | 2,506 |
| Equity capital to assets | 12.5231% | 1,569 |
| Core capital (leverage) ratio | 12.8528% | 1,346 |
| Tier 1 risk-based capital ratio | 14.4974% | 3,129 |
| Total risk-based capital ratio | 15.7500% | 3,040 |
| Memoranda: | ||
| Average total assets | $283,014,500 | 2,259 |
| Average earning assets | $266,768,000 | 2,231 |
| Average equity | $35,940,000 | 2,039 |
| Average total loans | $216,024,500 | 2,061 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5898% | 1,810 |
| Cost of funding earning assets | 1.0442% | 373 |
| Net interest margin | 3.5456% | 3,478 |
| Noninterest income to average assets | 0.2321% | 4,628 |
| Noninterest expense to average assets | 1.6948% | 5,202 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.8736% | 501 |
| Return on assets (ROA) | 1.8750% | 495 |
| Pretax return on assets | 1.8778% | 818 |
| Return on Equity (ROE) | 14.6949% | 918 |
| Retained earnings to average equity (ytd only) | 4.7606% | 3,202 |
| Net charge-offs to loans | 0.1203% | 1,211 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 20.4264% | 1,810 |
| Efficiency ratio | 47.4576% | 5,145 |
| Assets per employee ($millions) | 10.7298% | 259 |
| Cash dividends to net income (ytd only)* | 67.6035% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6823% | 932 |
| Loan loss allowance to noncurrent loans | 2,510.0000% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.0518% | 4,767 |
| Noncurrent loans to loans | 0.0670% | 4,624 |
| Net loans and leases to total assets | 75.9507% | 1,646 |
| Net loans and leases to deposits | 90.6605% | 1,755 |
| Net loans and leases to core deposits | 146.7836% | 142 |
| Total domestic deposits to total assets | 83.7749% | 3,140 |
| Equity capital to assets | 12.3871% | 1,604 |
| Core capital (leverage) ratio | 13.0851% | 1,190 |
| Tier 1 risk-based capital ratio | 14.3798% | 3,167 |
| Total risk-based capital ratio | 15.6325% | 3,089 |
| Memoranda: | ||
| Average total assets | $280,856,330 | 2,282 |
| Average earning assets | $264,497,000 | 2,251 |
| Average equity | $35,835,670 | 2,046 |
| Average total loans | $214,431,000 | 2,074 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4345% | 2,074 |
| Cost of funding earning assets | 0.9473% | 472 |
| Net interest margin | 3.4872% | 3,576 |
| Noninterest income to average assets | 0.2460% | 4,530 |
| Noninterest expense to average assets | 1.7118% | 5,234 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.8073% | 558 |
| Return on assets (ROA) | 1.8073% | 562 |
| Pretax return on assets | 1.8102% | 891 |
| Return on Equity (ROE) | 13.9512% | 1,023 |
| Retained earnings to average equity (ytd only) | 7.7966% | 1,920 |
| Net charge-offs to loans | 0.1411% | 970 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 16.9054% | 1,602 |
| Efficiency ratio | 48.6031% | 5,168 |
| Assets per employee ($millions) | 9.8554% | 341 |
| Cash dividends to net income (ytd only)* | 44.1153% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7968% | 792 |
| Loan loss allowance to noncurrent loans | 1,836.5385% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.0754% | 4,714 |
| Noncurrent loans to loans | 0.0978% | 4,535 |
| Net loans and leases to total assets | 75.6579% | 1,594 |
| Net loans and leases to deposits | 90.1148% | 1,678 |
| Net loans and leases to core deposits | 139.2689% | 222 |
| Total domestic deposits to total assets | 83.9572% | 3,343 |
| Equity capital to assets | 12.9980% | 1,246 |
| Core capital (leverage) ratio | 13.2410% | 1,093 |
| Tier 1 risk-based capital ratio | 15.2551% | 2,764 |
| Total risk-based capital ratio | 16.5091% | 2,699 |
| Memoranda: | ||
| Average total assets | $276,432,000 | 2,330 |
| Average earning assets | $259,690,000 | 2,295 |
| Average equity | $35,810,500 | 2,053 |
| Average total loans | $209,747,500 | 2,116 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2170% | 2,622 |
| Cost of funding earning assets | 0.8070% | 592 |
| Net interest margin | 3.4100% | 3,819 |
| Noninterest income to average assets | 0.2308% | 4,754 |
| Noninterest expense to average assets | 1.7593% | 5,274 |
| Loan and lease loss provision to assets | -0.0125% | 5,314 |
| Net operating income to assets | 1.7004% | 523 |
| Return on assets (ROA) | 1.7031% | 540 |
| Pretax return on assets | 1.7065% | 989 |
| Return on Equity (ROE) | 12.9935% | 953 |
| Retained earnings to average equity (ytd only) | 6.4431% | 1,305 |
| Net charge-offs to loans | -0.0453% | 5,160 |
| Credit loss provision to net charge-offs | 37.9310% | 3,457 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9862% | 5,171 |
| Assets per employee ($millions) | 9.8898% | 329 |
| Cash dividends to net income (ytd only)* | 50.4130% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8821% | 669 |
| Loan loss allowance to noncurrent loans | 882.9932% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.1593% | 4,347 |
| Noncurrent loans to loans | 0.2131% | 4,062 |
| Net loans and leases to total assets | 73.3090% | 2,042 |
| Net loans and leases to deposits | 88.0085% | 2,017 |
| Net loans and leases to core deposits | 131.5852% | 308 |
| Total domestic deposits to total assets | 83.2977% | 3,467 |
| Equity capital to assets | 12.9112% | 1,310 |
| Core capital (leverage) ratio | 13.4415% | 992 |
| Tier 1 risk-based capital ratio | 15.0325% | 2,841 |
| Total risk-based capital ratio | 16.2873% | 2,760 |
| Memoranda: | ||
| Average total assets | $262,995,600 | 2,384 |
| Average earning assets | $248,325,400 | 2,357 |
| Average equity | $34,471,000 | 2,109 |
| Average total loans | $192,179,600 | 2,227 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1946% | 2,637 |
| Cost of funding earning assets | 0.7771% | 662 |
| Net interest margin | 3.4175% | 3,783 |
| Noninterest income to average assets | 0.2322% | 4,824 |
| Noninterest expense to average assets | 1.8023% | 5,270 |
| Loan and lease loss provision to assets | -0.0170% | 5,476 |
| Net operating income to assets | 1.6877% | 593 |
| Return on assets (ROA) | 1.6908% | 603 |
| Pretax return on assets | 1.6944% | 1,144 |
| Return on Equity (ROE) | 12.8487% | 1,089 |
| Retained earnings to average equity (ytd only) | 4.1462% | 3,440 |
| Net charge-offs to loans | -0.0566% | 5,201 |
| Credit loss provision to net charge-offs | 41.2500% | 2,993 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8398% | 5,111 |
| Assets per employee ($millions) | 10.5370% | 267 |
| Cash dividends to net income (ytd only)* | 67.7303% | 1,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9568% | 616 |
| Loan loss allowance to noncurrent loans | 1,241.8530% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.1142% | 4,671 |
| Noncurrent loans to loans | 0.1576% | 4,426 |
| Net loans and leases to total assets | 71.0892% | 2,393 |
| Net loans and leases to deposits | 85.1852% | 2,409 |
| Net loans and leases to core deposits | 133.9768% | 284 |
| Total domestic deposits to total assets | 83.4525% | 3,306 |
| Equity capital to assets | 12.7349% | 1,525 |
| Core capital (leverage) ratio | 13.1789% | 1,134 |
| Tier 1 risk-based capital ratio | 14.9123% | 2,957 |
| Total risk-based capital ratio | 16.1677% | 2,881 |
| Memoranda: | ||
| Average total assets | $259,516,000 | 2,431 |
| Average earning assets | $246,371,500 | 2,388 |
| Average equity | $34,150,500 | 2,141 |
| Average total loans | $188,500,250 | 2,264 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0699% | 2,939 |
| Cost of funding earning assets | 0.7388% | 725 |
| Net interest margin | 3.3310% | 4,013 |
| Noninterest income to average assets | 0.2316% | 4,849 |
| Noninterest expense to average assets | 1.8265% | 5,280 |
| Loan and lease loss provision to assets | -0.0259% | 5,572 |
| Net operating income to assets | 1.5893% | 725 |
| Return on assets (ROA) | 1.5940% | 739 |
| Pretax return on assets | 1.5972% | 1,356 |
| Return on Equity (ROE) | 11.9749% | 1,308 |
| Retained earnings to average equity (ytd only) | 2.0469% | 4,437 |
| Net charge-offs to loans | -0.0335% | 5,009 |
| Credit loss provision to net charge-offs | 106.4516% | 1,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8301% | 5,029 |
| Assets per employee ($millions) | 9.7014% | 330 |
| Cash dividends to net income (ytd only)* | 82.9064% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9728% | 634 |
| Loan loss allowance to noncurrent loans | 1,713.3929% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.0855% | 4,853 |
| Noncurrent loans to loans | 0.1151% | 4,659 |
| Net loans and leases to total assets | 72.8064% | 2,076 |
| Net loans and leases to deposits | 85.1200% | 2,337 |
| Net loans and leases to core deposits | 130.5381% | 300 |
| Total domestic deposits to total assets | 85.5339% | 2,598 |
| Equity capital to assets | 13.0822% | 1,336 |
| Core capital (leverage) ratio | 13.4721% | 1,004 |
| Tier 1 risk-based capital ratio | 15.5270% | 2,698 |
| Total risk-based capital ratio | 16.7831% | 2,631 |
| Memoranda: | ||
| Average total assets | $254,700,330 | 2,485 |
| Average earning assets | $241,727,330 | 2,432 |
| Average equity | $33,904,330 | 2,148 |
| Average total loans | $185,118,670 | 2,304 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9818% | 3,109 |
| Cost of funding earning assets | 0.7089% | 807 |
| Net interest margin | 3.2729% | 4,106 |
| Noninterest income to average assets | 0.2278% | 4,909 |
| Noninterest expense to average assets | 1.7731% | 5,412 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.5628% | 727 |
| Return on assets (ROA) | 1.5581% | 754 |
| Pretax return on assets | 1.5612% | 1,334 |
| Return on Equity (ROE) | 11.6004% | 1,370 |
| Retained earnings to average equity (ytd only) | 3.3686% | 3,753 |
| Net charge-offs to loans | -0.0466% | 5,151 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1011% | 5,196 |
| Assets per employee ($millions) | 8.9986% | 427 |
| Cash dividends to net income (ytd only)* | 70.9611% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1455% | 512 |
| Loan loss allowance to noncurrent loans | 736.8321% | 759 |
| Noncurrent assets plus other real estate owned to assets | 0.2080% | 4,403 |
| Noncurrent loans to loans | 0.2912% | 4,071 |
| Net loans and leases to total assets | 69.8887% | 2,404 |
| Net loans and leases to deposits | 83.4350% | 2,350 |
| Net loans and leases to core deposits | 120.9098% | 443 |
| Total domestic deposits to total assets | 83.7642% | 3,569 |
| Equity capital to assets | 13.4921% | 1,067 |
| Core capital (leverage) ratio | 13.7358% | 907 |
| Tier 1 risk-based capital ratio | 16.5350% | 2,346 |
| Total risk-based capital ratio | 17.7927% | 2,294 |
| Memoranda: | ||
| Average total assets | $251,082,000 | 2,534 |
| Average earning assets | $238,688,000 | 2,480 |
| Average equity | $33,723,000 | 2,165 |
| Average total loans | $180,405,500 | 2,358 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1580% | 2,634 |
| Cost of funding earning assets | 0.7189% | 746 |
| Net interest margin | 3.4391% | 3,669 |
| Noninterest income to average assets | 0.2636% | 4,847 |
| Noninterest expense to average assets | 1.8543% | 5,420 |
| Loan and lease loss provision to assets | -0.0108% | 5,495 |
| Net operating income to assets | 1.6803% | 573 |
| Return on assets (ROA) | 1.6807% | 600 |
| Pretax return on assets | 1.6843% | 1,044 |
| Return on Equity (ROE) | 12.6854% | 1,072 |
| Retained earnings to average equity (ytd only) | 6.7961% | 1,309 |
| Net charge-offs to loans | -0.0971% | 5,582 |
| Credit loss provision to net charge-offs | 15.4286% | 3,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5686% | 5,345 |
| Assets per employee ($millions) | 8.6277% | 482 |
| Cash dividends to net income (ytd only)* | 46.4260% | 2,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1232% | 528 |
| Loan loss allowance to noncurrent loans | 1,517.7866% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.1011% | 4,916 |
| Noncurrent loans to loans | 0.1399% | 4,669 |
| Net loans and leases to total assets | 70.7496% | 2,376 |
| Net loans and leases to deposits | 84.3139% | 2,379 |
| Net loans and leases to core deposits | 122.1481% | 427 |
| Total domestic deposits to total assets | 83.9122% | 3,454 |
| Equity capital to assets | 13.3696% | 1,104 |
| Core capital (leverage) ratio | 13.6213% | 925 |
| Tier 1 risk-based capital ratio | 15.9425% | 2,573 |
| Total risk-based capital ratio | 17.1994% | 2,502 |
| Memoranda: | ||
| Average total assets | $248,882,200 | 2,513 |
| Average earning assets | $236,194,400 | 2,467 |
| Average equity | $32,975,000 | 2,179 |
| Average total loans | $180,139,200 | 2,310 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1817% | 2,570 |
| Cost of funding earning assets | 0.7214% | 736 |
| Net interest margin | 3.4603% | 3,624 |
| Noninterest income to average assets | 0.2269% | 5,111 |
| Noninterest expense to average assets | 1.8823% | 5,413 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.6248% | 691 |
| Return on assets (ROA) | 1.6259% | 730 |
| Pretax return on assets | 1.6291% | 1,304 |
| Return on Equity (ROE) | 12.2998% | 1,233 |
| Retained earnings to average equity (ytd only) | 4.5206% | 3,122 |
| Net charge-offs to loans | -0.0207% | 5,015 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6216% | 5,264 |
| Assets per employee ($millions) | 8.6861% | 448 |
| Cash dividends to net income (ytd only)* | 63.2466% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1045% | 601 |
| Loan loss allowance to noncurrent loans | 1,212.0521% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.1262% | 4,921 |
| Noncurrent loans to loans | 0.1736% | 4,656 |
| Net loans and leases to total assets | 71.1675% | 2,324 |
| Net loans and leases to deposits | 84.2068% | 2,459 |
| Net loans and leases to core deposits | 124.4342% | 404 |
| Total domestic deposits to total assets | 84.5152% | 3,023 |
| Equity capital to assets | 13.8644% | 1,094 |
| Core capital (leverage) ratio | 13.2468% | 1,090 |
| Tier 1 risk-based capital ratio | 15.8834% | 2,673 |
| Total risk-based capital ratio | 17.1405% | 2,610 |
| Memoranda: | ||
| Average total assets | $248,552,250 | 2,527 |
| Average earning assets | $235,848,000 | 2,477 |
| Average equity | $32,856,000 | 2,202 |
| Average total loans | $179,959,750 | 2,313 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1976% | 2,514 |
| Cost of funding earning assets | 0.7145% | 742 |
| Net interest margin | 3.4831% | 3,549 |
| Noninterest income to average assets | 0.1989% | 5,307 |
| Noninterest expense to average assets | 1.8815% | 5,487 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.6171% | 690 |
| Return on assets (ROA) | 1.6178% | 738 |
| Pretax return on assets | 1.6210% | 1,305 |
| Return on Equity (ROE) | 12.4355% | 1,175 |
| Retained earnings to average equity (ytd only) | 3.7460% | 3,512 |
| Net charge-offs to loans | -0.0232% | 5,007 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7303% | 5,333 |
| Assets per employee ($millions) | 8.3187% | 505 |
| Cash dividends to net income (ytd only)* | 69.8765% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0778% | 637 |
| Loan loss allowance to noncurrent loans | 1,271.5753% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.1170% | 5,044 |
| Noncurrent loans to loans | 0.1634% | 4,788 |
| Net loans and leases to total assets | 70.1187% | 2,461 |
| Net loans and leases to deposits | 81.9337% | 2,716 |
| Net loans and leases to core deposits | 121.1038% | 488 |
| Total domestic deposits to total assets | 85.5799% | 2,615 |
| Equity capital to assets | 13.3867% | 1,290 |
| Core capital (leverage) ratio | 12.8753% | 1,200 |
| Tier 1 risk-based capital ratio | 15.6172% | 2,818 |
| Total risk-based capital ratio | 16.8741% | 2,751 |
| Memoranda: | ||
| Average total assets | $250,332,330 | 2,527 |
| Average earning assets | $237,374,670 | 2,478 |
| Average equity | $32,568,000 | 2,220 |
| Average total loans | $181,010,000 | 2,304 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1495% | 2,654 |
| Cost of funding earning assets | 0.7042% | 797 |
| Net interest margin | 3.4454% | 3,688 |
| Noninterest income to average assets | 0.1675% | 5,488 |
| Noninterest expense to average assets | 1.8762% | 5,556 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5667% | 755 |
| Return on assets (ROA) | 1.5667% | 787 |
| Pretax return on assets | 1.5699% | 1,377 |
| Return on Equity (ROE) | 12.2185% | 1,246 |
| Retained earnings to average equity (ytd only) | 6.4701% | 2,154 |
| Net charge-offs to loans | -0.0285% | 5,040 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4444% | 5,345 |
| Assets per employee ($millions) | 9.0729% | 377 |
| Cash dividends to net income (ytd only)* | 47.0468% | 1,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0207% | 790 |
| Loan loss allowance to noncurrent loans | 923.9401% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.1744% | 4,872 |
| Noncurrent loans to loans | 0.2187% | 4,646 |
| Net loans and leases to total assets | 70.7155% | 2,234 |
| Net loans and leases to deposits | 82.8126% | 2,454 |
| Net loans and leases to core deposits | 125.3835% | 347 |
| Total domestic deposits to total assets | 85.3922% | 2,959 |
| Equity capital to assets | 12.9077% | 1,454 |
| Core capital (leverage) ratio | 12.8133% | 1,231 |
| Tier 1 risk-based capital ratio | 15.1754% | 3,076 |
| Total risk-based capital ratio | 16.4317% | 3,007 |
| Memoranda: | ||
| Average total assets | $250,718,000 | 2,533 |
| Average earning assets | $238,581,500 | 2,473 |
| Average equity | $32,148,000 | 2,238 |
| Average total loans | $182,164,000 | 2,289 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1999% | 2,561 |
| Cost of funding earning assets | 0.7215% | 728 |
| Net interest margin | 3.4783% | 3,602 |
| Noninterest income to average assets | 0.4310% | 3,811 |
| Noninterest expense to average assets | 1.7154% | 5,829 |
| Loan and lease loss provision to assets | -0.0279% | 5,681 |
| Net operating income to assets | 2.0250% | 330 |
| Return on assets (ROA) | 2.0231% | 341 |
| Pretax return on assets | 2.0262% | 512 |
| Return on Equity (ROE) | 16.2919% | 526 |
| Retained earnings to average equity (ytd only) | 1.0641% | 5,090 |
| Net charge-offs to loans | 0.2178% | 1,356 |
| Credit loss provision to net charge-offs | -17.8117% | 4,982 |
| Earnings coverage of net charge-offs (x) | 12.7888% | 2,427 |
| Efficiency ratio | 46.1654% | 5,920 |
| Assets per employee ($millions) | 9.1627% | 361 |
| Cash dividends to net income (ytd only)* | 93.4684% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0400% | 754 |
| Loan loss allowance to noncurrent loans | 525.9259% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 0.3007% | 4,400 |
| Noncurrent loans to loans | 0.3879% | 4,061 |
| Net loans and leases to total assets | 71.6606% | 2,117 |
| Net loans and leases to deposits | 83.9767% | 2,364 |
| Net loans and leases to core deposits | 122.7074% | 413 |
| Total domestic deposits to total assets | 85.3339% | 2,932 |
| Equity capital to assets | 12.7347% | 1,499 |
| Core capital (leverage) ratio | 12.2260% | 1,491 |
| Tier 1 risk-based capital ratio | 15.0783% | 3,138 |
| Total risk-based capital ratio | 16.3347% | 3,070 |
| Memoranda: | ||
| Average total assets | $251,253,400 | 2,492 |
| Average earning assets | $237,269,000 | 2,447 |
| Average equity | $31,199,600 | 2,238 |
| Average total loans | $180,478,400 | 2,236 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1183% | 2,863 |
| Cost of funding earning assets | 0.7256% | 729 |
| Net interest margin | 3.3926% | 3,992 |
| Noninterest income to average assets | 0.4742% | 3,544 |
| Noninterest expense to average assets | 1.7260% | 5,875 |
| Loan and lease loss provision to assets | -0.0370% | 5,887 |
| Net operating income to assets | 1.9802% | 375 |
| Return on assets (ROA) | 1.9797% | 390 |
| Pretax return on assets | 1.9829% | 616 |
| Return on Equity (ROE) | 16.0433% | 587 |
| Retained earnings to average equity (ytd only) | -4.2283% | 6,004 |
| Net charge-offs to loans | 0.1663% | 1,486 |
| Credit loss provision to net charge-offs | -31.1111% | 4,918 |
| Earnings coverage of net charge-offs (x) | 16.3646% | 2,118 |
| Efficiency ratio | 46.9987% | 5,925 |
| Assets per employee ($millions) | 8.9870% | 372 |
| Cash dividends to net income (ytd only)* | 126.3552% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0896% | 789 |
| Loan loss allowance to noncurrent loans | 340.3880% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 0.5425% | 3,675 |
| Noncurrent loans to loans | 0.6139% | 3,476 |
| Net loans and leases to total assets | 71.8739% | 2,083 |
| Net loans and leases to deposits | 84.2228% | 2,385 |
| Net loans and leases to core deposits | 129.4529% | 281 |
| Total domestic deposits to total assets | 85.3379% | 2,859 |
| Equity capital to assets | 12.2201% | 1,939 |
| Core capital (leverage) ratio | 11.7958% | 1,823 |
| Tier 1 risk-based capital ratio | 14.1069% | 3,793 |
| Total risk-based capital ratio | 15.3640% | 3,719 |
| Memoranda: | ||
| Average total assets | $252,218,250 | 2,509 |
| Average earning assets | $237,765,000 | 2,465 |
| Average equity | $31,123,250 | 2,263 |
| Average total loans | $180,354,000 | 2,246 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0932% | 2,920 |
| Cost of funding earning assets | 0.7261% | 733 |
| Net interest margin | 3.3670% | 4,027 |
| Noninterest income to average assets | 0.6062% | 2,696 |
| Noninterest expense to average assets | 1.7709% | 5,889 |
| Loan and lease loss provision to assets | -0.0555% | 6,038 |
| Net operating income to assets | 2.0554% | 330 |
| Return on assets (ROA) | 2.0546% | 348 |
| Pretax return on assets | 2.0569% | 536 |
| Return on Equity (ROE) | 16.5964% | 537 |
| Retained earnings to average equity (ytd only) | -10.8424% | 6,187 |
| Net charge-offs to loans | -0.1677% | 5,968 |
| Credit loss provision to net charge-offs | 46.6667% | 2,739 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9341% | 6,010 |
| Assets per employee ($millions) | 8.7637% | 400 |
| Cash dividends to net income (ytd only)* | 165.3297% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2665% | 666 |
| Loan loss allowance to noncurrent loans | 880.4574% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.2802% | 4,755 |
| Noncurrent loans to loans | 0.2574% | 4,759 |
| Net loans and leases to total assets | 71.8530% | 2,010 |
| Net loans and leases to deposits | 83.4982% | 2,382 |
| Net loans and leases to core deposits | 129.5486% | 278 |
| Total domestic deposits to total assets | 86.0534% | 2,669 |
| Equity capital to assets | 11.5885% | 2,342 |
| Core capital (leverage) ratio | 11.6279% | 1,904 |
| Tier 1 risk-based capital ratio | 13.6035% | 4,159 |
| Total risk-based capital ratio | 14.8621% | 4,084 |
| Memoranda: | ||
| Average total assets | $252,412,670 | 2,530 |
| Average earning assets | $237,421,000 | 2,481 |
| Average equity | $31,247,670 | 2,267 |
| Average total loans | $178,898,670 | 2,267 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0229% | 3,148 |
| Cost of funding earning assets | 0.7452% | 678 |
| Net interest margin | 3.2778% | 4,308 |
| Noninterest income to average assets | 0.9795% | 1,165 |
| Noninterest expense to average assets | 1.7969% | 5,907 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.2501% | 214 |
| Return on assets (ROA) | 2.2501% | 227 |
| Pretax return on assets | 2.2533% | 356 |
| Return on Equity (ROE) | 17.6074% | 422 |
| Retained earnings to average equity (ytd only) | 11.7839% | 594 |
| Net charge-offs to loans | -0.0617% | 5,627 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3659% | 6,166 |
| Assets per employee ($millions) | 8.4714% | 447 |
| Cash dividends to net income (ytd only)* | 33.0742% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3446% | 668 |
| Loan loss allowance to noncurrent loans | 376.0791% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.7502% | 3,242 |
| Noncurrent loans to loans | 0.6234% | 3,710 |
| Net loans and leases to total assets | 70.9031% | 2,000 |
| Net loans and leases to deposits | 86.2015% | 1,808 |
| Net loans and leases to core deposits | 119.1443% | 430 |
| Total domestic deposits to total assets | 82.2528% | 4,436 |
| Equity capital to assets | 13.3487% | 1,239 |
| Core capital (leverage) ratio | 12.7771% | 1,241 |
| Tier 1 risk-based capital ratio | 15.4254% | 3,184 |
| Total risk-based capital ratio | 16.6847% | 3,118 |
| Memoranda: | ||
| Average total assets | $251,545,000 | 2,547 |
| Average earning assets | $235,649,000 | 2,509 |
| Average equity | $32,145,500 | 2,225 |
| Average total loans | $174,924,000 | 2,320 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2522% | 2,768 |
| Cost of funding earning assets | 0.8439% | 530 |
| Net interest margin | 3.4082% | 4,165 |
| Noninterest income to average assets | 0.4162% | 4,069 |
| Noninterest expense to average assets | 1.8189% | 6,046 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.7762% | 500 |
| Return on assets (ROA) | 1.7818% | 504 |
| Pretax return on assets | 1.7862% | 819 |
| Return on Equity (ROE) | 15.0723% | 770 |
| Retained earnings to average equity (ytd only) | 6.1416% | 1,836 |
| Net charge-offs to loans | 0.2329% | 1,811 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 10.6587% | 2,593 |
| Efficiency ratio | 50.5317% | 6,066 |
| Assets per employee ($millions) | 8.8765% | 363 |
| Cash dividends to net income (ytd only)* | 59.2526% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4231% | 611 |
| Loan loss allowance to noncurrent loans | 357.2657% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 1.4735% | 1,865 |
| Noncurrent loans to loans | 0.6782% | 3,646 |
| Net loans and leases to total assets | 65.0001% | 3,049 |
| Net loans and leases to deposits | 77.2258% | 3,055 |
| Net loans and leases to core deposits | 106.1425% | 1,014 |
| Total domestic deposits to total assets | 84.1689% | 3,642 |
| Equity capital to assets | 12.2357% | 1,832 |
| Core capital (leverage) ratio | 12.3369% | 1,430 |
| Tier 1 risk-based capital ratio | 16.1871% | 2,864 |
| Total risk-based capital ratio | 17.4477% | 2,802 |
| Memoranda: | ||
| Average total assets | $250,812,600 | 2,520 |
| Average earning assets | $234,255,600 | 2,477 |
| Average equity | $29,650,400 | 2,290 |
| Average total loans | $179,897,400 | 2,226 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2848% | 2,693 |
| Cost of funding earning assets | 0.8637% | 506 |
| Net interest margin | 3.4211% | 4,144 |
| Noninterest income to average assets | 0.4233% | 4,074 |
| Noninterest expense to average assets | 1.8221% | 6,061 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.7975% | 517 |
| Return on assets (ROA) | 1.8049% | 521 |
| Pretax return on assets | 1.8092% | 877 |
| Return on Equity (ROE) | 15.4074% | 757 |
| Retained earnings to average equity (ytd only) | 3.4122% | 4,192 |
| Net charge-offs to loans | 0.2425% | 1,587 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 10.1723% | 2,577 |
| Efficiency ratio | 50.2806% | 6,087 |
| Assets per employee ($millions) | 8.6978% | 383 |
| Cash dividends to net income (ytd only)* | 77.8537% | 796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4199% | 711 |
| Loan loss allowance to noncurrent loans | 266.1857% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 1.6396% | 1,847 |
| Noncurrent loans to loans | 0.9091% | 3,286 |
| Net loans and leases to total assets | 70.2550% | 2,153 |
| Net loans and leases to deposits | 82.0440% | 2,417 |
| Net loans and leases to core deposits | 118.5170% | 425 |
| Total domestic deposits to total assets | 85.6309% | 3,053 |
| Equity capital to assets | 12.3263% | 1,809 |
| Core capital (leverage) ratio | 11.6786% | 1,920 |
| Tier 1 risk-based capital ratio | 15.3288% | 3,407 |
| Total risk-based capital ratio | 16.5894% | 3,338 |
| Memoranda: | ||
| Average total assets | $249,161,250 | 2,546 |
| Average earning assets | $233,096,000 | 2,504 |
| Average equity | $29,188,750 | 2,337 |
| Average total loans | $182,002,500 | 2,221 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2929% | 2,603 |
| Cost of funding earning assets | 0.8668% | 510 |
| Net interest margin | 3.4261% | 4,076 |
| Noninterest income to average assets | 0.3808% | 4,395 |
| Noninterest expense to average assets | 1.7950% | 6,153 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.7806% | 505 |
| Return on assets (ROA) | 1.7910% | 519 |
| Pretax return on assets | 1.7958% | 853 |
| Return on Equity (ROE) | 15.5506% | 703 |
| Retained earnings to average equity (ytd only) | 0.8370% | 5,414 |
| Net charge-offs to loans | 0.2703% | 1,467 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 2,411 |
| Efficiency ratio | 50.1335% | 6,164 |
| Assets per employee ($millions) | 8.9355% | 336 |
| Cash dividends to net income (ytd only)* | 94.6174% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4224% | 790 |
| Loan loss allowance to noncurrent loans | 181.4939% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 1.6525% | 1,971 |
| Noncurrent loans to loans | 1.3347% | 2,578 |
| Net loans and leases to total assets | 67.2303% | 2,543 |
| Net loans and leases to deposits | 79.0190% | 2,653 |
| Net loans and leases to core deposits | 117.4218% | 443 |
| Total domestic deposits to total assets | 85.0812% | 3,465 |
| Equity capital to assets | 11.3792% | 2,527 |
| Core capital (leverage) ratio | 11.6124% | 1,914 |
| Tier 1 risk-based capital ratio | 15.2858% | 3,477 |
| Total risk-based capital ratio | 16.5472% | 3,418 |
| Memoranda: | ||
| Average total assets | $251,036,000 | 2,535 |
| Average earning assets | $234,432,330 | 2,496 |
| Average equity | $28,912,000 | 2,351 |
| Average total loans | $184,223,330 | 2,183 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3712% | 2,265 |
| Cost of funding earning assets | 0.8735% | 521 |
| Net interest margin | 3.4976% | 3,700 |
| Noninterest income to average assets | 0.3725% | 4,409 |
| Noninterest expense to average assets | 1.8171% | 6,203 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.8187% | 468 |
| Return on assets (ROA) | 1.8414% | 470 |
| Pretax return on assets | 1.8462% | 734 |
| Return on Equity (ROE) | 15.8885% | 653 |
| Retained earnings to average equity (ytd only) | 1.9284% | 4,823 |
| Net charge-offs to loans | -0.0364% | 5,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9110% | 6,260 |
| Assets per employee ($millions) | 8.7465% | 363 |
| Cash dividends to net income (ytd only)* | 87.8628% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4543% | 859 |
| Loan loss allowance to noncurrent loans | 170.7326% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 1.8734% | 1,844 |
| Noncurrent loans to loans | 1.4375% | 2,628 |
| Net loans and leases to total assets | 74.5058% | 1,190 |
| Net loans and leases to deposits | 86.1669% | 1,589 |
| Net loans and leases to core deposits | 131.6976% | 175 |
| Total domestic deposits to total assets | 86.4669% | 3,130 |
| Equity capital to assets | 11.8426% | 1,985 |
| Core capital (leverage) ratio | 12.1130% | 1,592 |
| Tier 1 risk-based capital ratio | 14.5921% | 3,951 |
| Total risk-based capital ratio | 15.8537% | 3,897 |
| Memoranda: | ||
| Average total assets | $246,989,000 | 2,581 |
| Average earning assets | $230,785,000 | 2,544 |
| Average equity | $28,624,500 | 2,356 |
| Average total loans | $187,065,500 | 2,164 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6977% | 1,577 |
| Cost of funding earning assets | 0.9942% | 457 |
| Net interest margin | 3.7036% | 3,037 |
| Noninterest income to average assets | 0.3192% | 5,051 |
| Noninterest expense to average assets | 1.6731% | 6,469 |
| Loan and lease loss provision to assets | 0.1946% | 1,903 |
| Net operating income to assets | 1.8784% | 415 |
| Return on assets (ROA) | 1.8825% | 422 |
| Pretax return on assets | 1.8903% | 616 |
| Return on Equity (ROE) | 16.0710% | 613 |
| Retained earnings to average equity (ytd only) | 0.6717% | 5,532 |
| Net charge-offs to loans | 0.2549% | 2,444 |
| Credit loss provision to net charge-offs | 99.3724% | 2,494 |
| Earnings coverage of net charge-offs (x) | 10.6234% | 2,340 |
| Efficiency ratio | 44.5694% | 6,602 |
| Assets per employee ($millions) | 9.2250% | 306 |
| Cash dividends to net income (ytd only)* | 95.8206% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4450% | 883 |
| Loan loss allowance to noncurrent loans | 267.6419% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 1.4875% | 2,501 |
| Noncurrent loans to loans | 0.9135% | 3,702 |
| Net loans and leases to total assets | 73.2707% | 1,477 |
| Net loans and leases to deposits | 84.8473% | 1,826 |
| Net loans and leases to core deposits | 117.7854% | 375 |
| Total domestic deposits to total assets | 86.3559% | 3,077 |
| Equity capital to assets | 11.3404% | 2,302 |
| Core capital (leverage) ratio | 11.8360% | 1,727 |
| Tier 1 risk-based capital ratio | 14.4967% | 3,957 |
| Total risk-based capital ratio | 15.7585% | 3,884 |
| Memoranda: | ||
| Average total assets | $244,035,400 | 2,584 |
| Average earning assets | $226,321,400 | 2,552 |
| Average equity | $28,585,600 | 2,335 |
| Average total loans | $187,545,200 | 2,126 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7662% | 1,425 |
| Cost of funding earning assets | 1.0168% | 453 |
| Net interest margin | 3.7495% | 2,848 |
| Noninterest income to average assets | 0.3070% | 5,245 |
| Noninterest expense to average assets | 1.6575% | 6,511 |
| Loan and lease loss provision to assets | 0.2609% | 1,355 |
| Net operating income to assets | 1.8481% | 484 |
| Return on assets (ROA) | 1.8535% | 487 |
| Pretax return on assets | 1.8634% | 774 |
| Return on Equity (ROE) | 15.6952% | 681 |
| Retained earnings to average equity (ytd only) | -1.9950% | 6,265 |
| Net charge-offs to loans | 0.3474% | 1,812 |
| Credit loss provision to net charge-offs | 97.1370% | 2,464 |
| Earnings coverage of net charge-offs (x) | 7.8896% | 2,710 |
| Efficiency ratio | 43.8918% | 6,659 |
| Assets per employee ($millions) | 8.9800% | 310 |
| Cash dividends to net income (ytd only)* | 112.7110% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4136% | 1,032 |
| Loan loss allowance to noncurrent loans | 214.3260% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 1.6407% | 2,507 |
| Noncurrent loans to loans | 1.1261% | 3,552 |
| Net loans and leases to total assets | 76.0909% | 995 |
| Net loans and leases to deposits | 88.5439% | 1,308 |
| Net loans and leases to core deposits | 121.5806% | 299 |
| Total domestic deposits to total assets | 85.9358% | 3,299 |
| Equity capital to assets | 11.5174% | 2,293 |
| Core capital (leverage) ratio | 11.5199% | 2,023 |
| Tier 1 risk-based capital ratio | 14.1183% | 4,343 |
| Total risk-based capital ratio | 15.3806% | 4,282 |
| Memoranda: | ||
| Average total assets | $242,775,500 | 2,612 |
| Average earning assets | $224,630,500 | 2,581 |
| Average equity | $28,670,500 | 2,356 |
| Average total loans | $187,663,250 | 2,128 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8461% | 1,225 |
| Cost of funding earning assets | 1.0260% | 477 |
| Net interest margin | 3.8201% | 2,477 |
| Noninterest income to average assets | 0.2347% | 5,766 |
| Noninterest expense to average assets | 1.6543% | 6,546 |
| Loan and lease loss provision to assets | 0.2059% | 1,839 |
| Net operating income to assets | 1.8874% | 430 |
| Return on assets (ROA) | 1.8948% | 462 |
| Pretax return on assets | 1.9079% | 743 |
| Return on Equity (ROE) | 15.9134% | 680 |
| Retained earnings to average equity (ytd only) | -4.0458% | 6,400 |
| Net charge-offs to loans | 0.2959% | 2,001 |
| Credit loss provision to net charge-offs | 90.2527% | 2,434 |
| Earnings coverage of net charge-offs (x) | 9.2347% | 2,309 |
| Efficiency ratio | 43.9895% | 6,708 |
| Assets per employee ($millions) | 9.1813% | 281 |
| Cash dividends to net income (ytd only)* | 125.4237% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3786% | 1,119 |
| Loan loss allowance to noncurrent loans | 260.8945% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 1.6406% | 2,646 |
| Noncurrent loans to loans | 0.9117% | 4,105 |
| Net loans and leases to total assets | 75.3280% | 1,064 |
| Net loans and leases to deposits | 87.3724% | 1,414 |
| Net loans and leases to core deposits | 124.5556% | 248 |
| Total domestic deposits to total assets | 86.2148% | 3,253 |
| Equity capital to assets | 11.2350% | 2,535 |
| Core capital (leverage) ratio | 11.5270% | 1,914 |
| Tier 1 risk-based capital ratio | 13.7955% | 4,568 |
| Total risk-based capital ratio | 15.0494% | 4,531 |
| Memoranda: | ||
| Average total assets | $242,880,670 | 2,627 |
| Average earning assets | $224,182,330 | 2,597 |
| Average equity | $28,919,000 | 2,351 |
| Average total loans | $187,200,000 | 2,135 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8750% | 1,143 |
| Cost of funding earning assets | 1.0281% | 524 |
| Net interest margin | 3.8469% | 2,295 |
| Noninterest income to average assets | 0.1414% | 6,397 |
| Noninterest expense to average assets | 1.7290% | 6,524 |
| Loan and lease loss provision to assets | 0.1248% | 2,671 |
| Net operating income to assets | 1.8072% | 476 |
| Return on assets (ROA) | 1.8072% | 529 |
| Pretax return on assets | 1.8305% | 841 |
| Return on Equity (ROE) | 14.7489% | 813 |
| Retained earnings to average equity (ytd only) | -0.3803% | 5,852 |
| Net charge-offs to loans | -0.0238% | 5,798 |
| Credit loss provision to net charge-offs | -681.8182% | 5,554 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9286% | 6,656 |
| Assets per employee ($millions) | 8.8316% | 335 |
| Cash dividends to net income (ytd only)* | 102.5783% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5227% | 1,084 |
| Loan loss allowance to noncurrent loans | 263.4463% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 1.9262% | 2,437 |
| Noncurrent loans to loans | 0.9576% | 4,224 |
| Net loans and leases to total assets | 75.5617% | 894 |
| Net loans and leases to deposits | 87.9948% | 1,151 |
| Net loans and leases to core deposits | 128.2091% | 190 |
| Total domestic deposits to total assets | 85.8707% | 3,601 |
| Equity capital to assets | 12.3437% | 1,809 |
| Core capital (leverage) ratio | 12.2184% | 1,451 |
| Tier 1 risk-based capital ratio | 14.5625% | 4,129 |
| Total risk-based capital ratio | 15.8175% | 4,091 |
| Memoranda: | ||
| Average total assets | $240,373,000 | 2,667 |
| Average earning assets | $221,375,000 | 2,657 |
| Average equity | $29,453,000 | 2,340 |
| Average total loans | $185,157,500 | 2,164 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2812% | 965 |
| Cost of funding earning assets | 1.1868% | 619 |
| Net interest margin | 4.0944% | 2,025 |
| Noninterest income to average assets | 0.3277% | 5,114 |
| Noninterest expense to average assets | 1.6191% | 6,789 |
| Loan and lease loss provision to assets | 0.5941% | 930 |
| Net operating income to assets | 1.9102% | 420 |
| Return on assets (ROA) | 1.9062% | 474 |
| Pretax return on assets | 1.9110% | 737 |
| Return on Equity (ROE) | 16.1144% | 646 |
| Retained earnings to average equity (ytd only) | -0.7044% | 5,976 |
| Net charge-offs to loans | 0.8053% | 1,449 |
| Credit loss provision to net charge-offs | 94.0063% | 3,314 |
| Earnings coverage of net charge-offs (x) | 3.9703% | 3,532 |
| Efficiency ratio | 38.4199% | 6,959 |
| Assets per employee ($millions) | 8.6533% | 370 |
| Cash dividends to net income (ytd only)* | 104.3715% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4678% | 1,160 |
| Loan loss allowance to noncurrent loans | 271.9548% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 2.0042% | 2,447 |
| Noncurrent loans to loans | 0.9074% | 4,369 |
| Net loans and leases to total assets | 74.6599% | 1,103 |
| Net loans and leases to deposits | 86.9834% | 1,388 |
| Net loans and leases to core deposits | 134.9499% | 155 |
| Total domestic deposits to total assets | 85.8324% | 3,439 |
| Equity capital to assets | 12.1638% | 1,934 |
| Core capital (leverage) ratio | 11.8382% | 1,646 |
| Tier 1 risk-based capital ratio | 14.4769% | 4,050 |
| Total risk-based capital ratio | 15.7313% | 3,995 |
| Memoranda: | ||
| Average total assets | $250,816,200 | 2,524 |
| Average earning assets | $232,808,600 | 2,475 |
| Average equity | $29,669,200 | 2,269 |
| Average total loans | $196,830,200 | 2,030 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2249% | 1,144 |
| Cost of funding earning assets | 1.1920% | 719 |
| Net interest margin | 4.0329% | 2,367 |
| Noninterest income to average assets | 0.3532% | 4,993 |
| Noninterest expense to average assets | 1.6050% | 6,872 |
| Loan and lease loss provision to assets | 0.5482% | 1,065 |
| Net operating income to assets | 1.9508% | 409 |
| Return on assets (ROA) | 1.9513% | 473 |
| Pretax return on assets | 1.9561% | 768 |
| Return on Equity (ROE) | 16.6088% | 656 |
| Retained earnings to average equity (ytd only) | -1.9695% | 6,395 |
| Net charge-offs to loans | 1.0711% | 970 |
| Credit loss provision to net charge-offs | 64.8379% | 4,032 |
| Earnings coverage of net charge-offs (x) | 2.9614% | 3,839 |
| Efficiency ratio | 37.9987% | 7,044 |
| Assets per employee ($millions) | 9.9575% | 241 |
| Cash dividends to net income (ytd only)* | 111.8585% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1404% | 1,831 |
| Loan loss allowance to noncurrent loans | 101.6580% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 2.9887% | 1,748 |
| Noncurrent loans to loans | 2.1055% | 2,723 |
| Net loans and leases to total assets | 75.4469% | 1,055 |
| Net loans and leases to deposits | 88.1041% | 1,334 |
| Net loans and leases to core deposits | 149.0792% | 113 |
| Total domestic deposits to total assets | 85.6338% | 3,447 |
| Equity capital to assets | 11.8519% | 2,391 |
| Core capital (leverage) ratio | 11.5000% | 1,985 |
| Tier 1 risk-based capital ratio | 13.9461% | 4,570 |
| Total risk-based capital ratio | 15.1960% | 4,521 |
| Memoranda: | ||
| Average total assets | $252,947,250 | 2,527 |
| Average earning assets | $235,557,750 | 2,473 |
| Average equity | $29,718,500 | 2,286 |
| Average total loans | $199,669,750 | 2,025 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1992% | 1,254 |
| Cost of funding earning assets | 1.2209% | 746 |
| Net interest margin | 3.9783% | 2,599 |
| Noninterest income to average assets | 0.3697% | 4,876 |
| Noninterest expense to average assets | 1.5636% | 6,960 |
| Loan and lease loss provision to assets | 0.4955% | 1,284 |
| Net operating income to assets | 2.0111% | 389 |
| Return on assets (ROA) | 2.0119% | 444 |
| Pretax return on assets | 2.0174% | 677 |
| Return on Equity (ROE) | 17.1735% | 614 |
| Retained earnings to average equity (ytd only) | -2.2088% | 6,385 |
| Net charge-offs to loans | 1.0808% | 1,008 |
| Credit loss provision to net charge-offs | 57.6395% | 3,867 |
| Earnings coverage of net charge-offs (x) | 2.9222% | 3,574 |
| Efficiency ratio | 37.2829% | 7,103 |
| Assets per employee ($millions) | 9.5994% | 260 |
| Cash dividends to net income (ytd only)* | 112.8616% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1110% | 1,972 |
| Loan loss allowance to noncurrent loans | 55.6746% | 4,836 |
| Noncurrent assets plus other real estate owned to assets | 4.4811% | 1,108 |
| Noncurrent loans to loans | 3.7917% | 1,480 |
| Net loans and leases to total assets | 78.1989% | 696 |
| Net loans and leases to deposits | 91.6890% | 983 |
| Net loans and leases to core deposits | 156.8276% | 93 |
| Total domestic deposits to total assets | 85.2871% | 3,717 |
| Equity capital to assets | 11.8036% | 2,307 |
| Core capital (leverage) ratio | 11.2781% | 2,062 |
| Tier 1 risk-based capital ratio | 13.5411% | 4,791 |
| Total risk-based capital ratio | 14.7891% | 4,757 |
| Memoranda: | ||
| Average total assets | $254,283,670 | 2,505 |
| Average earning assets | $236,883,330 | 2,458 |
| Average equity | $29,790,000 | 2,270 |
| Average total loans | $202,251,670 | 2,005 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2733% | 1,159 |
| Cost of funding earning assets | 1.2333% | 833 |
| Net interest margin | 4.0400% | 2,332 |
| Noninterest income to average assets | 0.3616% | 4,989 |
| Noninterest expense to average assets | 1.5088% | 7,054 |
| Loan and lease loss provision to assets | 0.3741% | 1,689 |
| Net operating income to assets | 2.2304% | 275 |
| Return on assets (ROA) | 2.2304% | 328 |
| Pretax return on assets | 2.2367% | 505 |
| Return on Equity (ROE) | 19.1087% | 444 |
| Retained earnings to average equity (ytd only) | 7.7984% | 2,053 |
| Net charge-offs to loans | 0.0786% | 3,711 |
| Credit loss provision to net charge-offs | 600.0000% | 558 |
| Earnings coverage of net charge-offs (x) | 41.8750% | 718 |
| Efficiency ratio | 35.4900% | 7,188 |
| Assets per employee ($millions) | 9.8138% | 251 |
| Cash dividends to net income (ytd only)* | 59.1894% | 1,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3939% | 1,517 |
| Loan loss allowance to noncurrent loans | 56.3628% | 4,718 |
| Noncurrent assets plus other real estate owned to assets | 4.8080% | 1,094 |
| Noncurrent loans to loans | 4.2473% | 1,415 |
| Net loans and leases to total assets | 77.8522% | 608 |
| Net loans and leases to deposits | 91.5061% | 837 |
| Net loans and leases to core deposits | 162.5390% | 82 |
| Total domestic deposits to total assets | 85.0787% | 4,002 |
| Equity capital to assets | 11.8793% | 2,127 |
| Core capital (leverage) ratio | 11.6880% | 1,780 |
| Tier 1 risk-based capital ratio | 13.7777% | 4,629 |
| Total risk-based capital ratio | 15.0316% | 4,605 |
| Memoranda: | ||
| Average total assets | $256,633,500 | 2,502 |
| Average earning assets | $238,712,500 | 2,460 |
| Average equity | $29,955,000 | 2,266 |
| Average total loans | $203,687,000 | 1,999 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5525% | 1,049 |
| Cost of funding earning assets | 1.4587% | 837 |
| Net interest margin | 4.0939% | 2,453 |
| Noninterest income to average assets | 0.4367% | 4,320 |
| Noninterest expense to average assets | 1.5425% | 7,145 |
| Loan and lease loss provision to assets | 0.5247% | 1,999 |
| Net operating income to assets | 2.1838% | 232 |
| Return on assets (ROA) | 2.1854% | 245 |
| Pretax return on assets | 2.1883% | 378 |
| Return on Equity (ROE) | 19.1762% | 303 |
| Retained earnings to average equity (ytd only) | 3.0243% | 4,076 |
| Net charge-offs to loans | 0.3619% | 3,597 |
| Credit loss provision to net charge-offs | 176.6304% | 1,488 |
| Earnings coverage of net charge-offs (x) | 9.1277% | 2,034 |
| Efficiency ratio | 34.8102% | 7,264 |
| Assets per employee ($millions) | 10.3243% | 215 |
| Cash dividends to net income (ytd only)* | 84.2290% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2918% | 1,626 |
| Loan loss allowance to noncurrent loans | 52.4472% | 4,892 |
| Noncurrent assets plus other real estate owned to assets | 4.8553% | 1,114 |
| Noncurrent loans to loans | 4.3698% | 1,382 |
| Net loans and leases to total assets | 77.1704% | 807 |
| Net loans and leases to deposits | 89.8885% | 1,169 |
| Net loans and leases to core deposits | 152.9177% | 127 |
| Total domestic deposits to total assets | 85.8513% | 3,399 |
| Equity capital to assets | 11.4677% | 2,531 |
| Core capital (leverage) ratio | 11.5253% | 1,872 |
| Tier 1 risk-based capital ratio | 13.3983% | 4,770 |
| Total risk-based capital ratio | 14.6492% | 4,741 |
| Memoranda: | ||
| Average total assets | $247,775,400 | 2,543 |
| Average earning assets | $231,029,200 | 2,498 |
| Average equity | $28,238,200 | 2,317 |
| Average total loans | $203,385,000 | 2,013 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5907% | 1,051 |
| Cost of funding earning assets | 1.4909% | 896 |
| Net interest margin | 4.0998% | 2,478 |
| Noninterest income to average assets | 0.4709% | 4,121 |
| Noninterest expense to average assets | 1.5982% | 7,170 |
| Loan and lease loss provision to assets | 0.4350% | 2,299 |
| Net operating income to assets | 2.2676% | 224 |
| Return on assets (ROA) | 2.2708% | 241 |
| Pretax return on assets | 2.2735% | 376 |
| Return on Equity (ROE) | 19.9579% | 321 |
| Retained earnings to average equity (ytd only) | -1.4577% | 6,225 |
| Net charge-offs to loans | 0.1161% | 4,857 |
| Credit loss provision to net charge-offs | 451.9774% | 611 |
| Earnings coverage of net charge-offs (x) | 28.1078% | 972 |
| Efficiency ratio | 35.6710% | 7,321 |
| Assets per employee ($millions) | 9.7982% | 264 |
| Cash dividends to net income (ytd only)* | 107.3037% | 244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3748% | 1,577 |
| Loan loss allowance to noncurrent loans | 118.2409% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 2.9197% | 2,210 |
| Noncurrent loans to loans | 2.0085% | 3,356 |
| Net loans and leases to total assets | 79.4130% | 569 |
| Net loans and leases to deposits | 93.1937% | 904 |
| Net loans and leases to core deposits | 163.5263% | 101 |
| Total domestic deposits to total assets | 85.2128% | 3,669 |
| Equity capital to assets | 11.6078% | 2,580 |
| Core capital (leverage) ratio | 11.1901% | 2,239 |
| Tier 1 risk-based capital ratio | 13.1231% | 5,007 |
| Total risk-based capital ratio | 14.3681% | 4,987 |
| Memoranda: | ||
| Average total assets | $245,192,250 | 2,584 |
| Average earning assets | $229,210,250 | 2,522 |
| Average equity | $27,898,000 | 2,338 |
| Average total loans | $203,267,500 | 2,033 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5210% | 1,254 |
| Cost of funding earning assets | 1.5105% | 971 |
| Net interest margin | 4.0105% | 2,788 |
| Noninterest income to average assets | 0.5202% | 3,705 |
| Noninterest expense to average assets | 1.5974% | 7,254 |
| Loan and lease loss provision to assets | 0.4077% | 2,394 |
| Net operating income to assets | 2.2595% | 238 |
| Return on assets (ROA) | 2.2644% | 248 |
| Pretax return on assets | 2.2677% | 369 |
| Return on Equity (ROE) | 20.0366% | 307 |
| Retained earnings to average equity (ytd only) | -7.9439% | 6,774 |
| Net charge-offs to loans | -0.0381% | 6,986 |
| Credit loss provision to net charge-offs | -1,282.0513% | 6,632 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.9190% | 7,388 |
| Assets per employee ($millions) | 9.9147% | 248 |
| Cash dividends to net income (ytd only)* | 139.6471% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2424% | 1,835 |
| Loan loss allowance to noncurrent loans | 288.8129% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 1.1938% | 4,503 |
| Noncurrent loans to loans | 0.7764% | 5,363 |
| Net loans and leases to total assets | 81.7322% | 393 |
| Net loans and leases to deposits | 96.7252% | 667 |
| Net loans and leases to core deposits | 172.8714% | 94 |
| Total domestic deposits to total assets | 84.4994% | 4,120 |
| Equity capital to assets | 11.1354% | 2,831 |
| Core capital (leverage) ratio | 10.8751% | 2,355 |
| Tier 1 risk-based capital ratio | 12.3594% | 5,468 |
| Total risk-based capital ratio | 13.6120% | 5,445 |
| Memoranda: | ||
| Average total assets | $245,271,330 | 2,599 |
| Average earning assets | $229,196,000 | 2,535 |
| Average equity | $27,719,330 | 2,336 |
| Average total loans | $204,604,000 | 2,042 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5073% | 1,275 |
| Cost of funding earning assets | 1.5234% | 1,081 |
| Net interest margin | 3.9839% | 2,753 |
| Noninterest income to average assets | 0.6689% | 2,733 |
| Noninterest expense to average assets | 1.6674% | 7,256 |
| Loan and lease loss provision to assets | 0.3279% | 2,584 |
| Net operating income to assets | 2.3921% | 201 |
| Return on assets (ROA) | 2.3921% | 209 |
| Pretax return on assets | 2.3953% | 290 |
| Return on Equity (ROE) | 21.0091% | 291 |
| Retained earnings to average equity (ytd only) | -19.7851% | 7,153 |
| Net charge-offs to loans | 0.0039% | 5,074 |
| Credit loss provision to net charge-offs | 10,000.0000% | 24 |
| Earnings coverage of net charge-offs (x) | 830.5000% | 16 |
| Efficiency ratio | 36.4078% | 7,437 |
| Assets per employee ($millions) | 9.9256% | 249 |
| Cash dividends to net income (ytd only)* | 194.1741% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1190% | 2,141 |
| Loan loss allowance to noncurrent loans | 179.9415% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 1.5084% | 3,990 |
| Noncurrent loans to loans | 1.1776% | 4,724 |
| Net loans and leases to total assets | 80.1588% | 500 |
| Net loans and leases to deposits | 93.8998% | 839 |
| Net loans and leases to core deposits | 172.0789% | 104 |
| Total domestic deposits to total assets | 85.3663% | 3,852 |
| Equity capital to assets | 10.9180% | 2,761 |
| Core capital (leverage) ratio | 10.8818% | 2,278 |
| Tier 1 risk-based capital ratio | 12.2909% | 5,445 |
| Total risk-based capital ratio | 13.5400% | 5,441 |
| Memoranda: | ||
| Average total assets | $243,973,000 | 2,627 |
| Average earning assets | $227,916,000 | 2,570 |
| Average equity | $27,778,500 | 2,316 |
| Average total loans | $203,288,500 | 2,075 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8990% | 1,047 |
| Cost of funding earning assets | 1.8033% | 1,161 |
| Net interest margin | 4.0957% | 2,580 |
| Noninterest income to average assets | 0.3673% | 5,168 |
| Noninterest expense to average assets | 1.6242% | 7,392 |
| Loan and lease loss provision to assets | 0.9787% | 1,655 |
| Net operating income to assets | 1.5797% | 645 |
| Return on assets (ROA) | 1.5788% | 707 |
| Pretax return on assets | 1.5830% | 1,168 |
| Return on Equity (ROE) | 13.9020% | 903 |
| Retained earnings to average equity (ytd only) | 7.6239% | 1,109 |
| Net charge-offs to loans | 0.6505% | 3,059 |
| Credit loss provision to net charge-offs | 176.9578% | 1,879 |
| Earnings coverage of net charge-offs (x) | 4.6333% | 2,856 |
| Efficiency ratio | 36.8049% | 7,538 |
| Assets per employee ($millions) | 9.5922% | 279 |
| Cash dividends to net income (ytd only)* | 45.1596% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0205% | 2,252 |
| Loan loss allowance to noncurrent loans | 235.2032% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 1.4591% | 4,138 |
| Noncurrent loans to loans | 0.8590% | 5,349 |
| Net loans and leases to total assets | 83.0905% | 374 |
| Net loans and leases to deposits | 98.2680% | 692 |
| Net loans and leases to core deposits | 174.7967% | 120 |
| Total domestic deposits to total assets | 84.5550% | 4,080 |
| Equity capital to assets | 11.8700% | 1,989 |
| Core capital (leverage) ratio | 11.5798% | 1,795 |
| Tier 1 risk-based capital ratio | 12.8684% | 4,713 |
| Total risk-based capital ratio | 14.1252% | 4,677 |
| Memoranda: | ||
| Average total assets | $240,112,600 | 2,633 |
| Average earning assets | $223,917,800 | 2,584 |
| Average equity | $27,269,400 | 2,357 |
| Average total loans | $204,148,000 | 2,121 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8194% | 1,342 |
| Cost of funding earning assets | 1.8541% | 1,197 |
| Net interest margin | 3.9653% | 3,260 |
| Noninterest income to average assets | 0.3525% | 5,350 |
| Noninterest expense to average assets | 1.6031% | 7,501 |
| Loan and lease loss provision to assets | 0.9853% | 1,516 |
| Net operating income to assets | 1.4588% | 1,003 |
| Return on assets (ROA) | 1.4577% | 1,080 |
| Pretax return on assets | 1.4621% | 1,715 |
| Return on Equity (ROE) | 12.9818% | 1,254 |
| Retained earnings to average equity (ytd only) | 5.1759% | 2,859 |
| Net charge-offs to loans | 0.6446% | 2,818 |
| Credit loss provision to net charge-offs | 179.6559% | 2,041 |
| Earnings coverage of net charge-offs (x) | 4.4646% | 3,038 |
| Efficiency ratio | 37.5394% | 7,621 |
| Assets per employee ($millions) | 9.5065% | 301 |
| Cash dividends to net income (ytd only)* | 60.1294% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9494% | 2,351 |
| Loan loss allowance to noncurrent loans | 224.7824% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 1.2817% | 4,582 |
| Noncurrent loans to loans | 0.8672% | 5,489 |
| Net loans and leases to total assets | 81.9681% | 499 |
| Net loans and leases to deposits | 97.2057% | 863 |
| Net loans and leases to core deposits | 171.5757% | 120 |
| Total domestic deposits to total assets | 84.3244% | 3,949 |
| Equity capital to assets | 11.6253% | 2,433 |
| Core capital (leverage) ratio | 11.3279% | 2,048 |
| Tier 1 risk-based capital ratio | 12.5393% | 4,945 |
| Total risk-based capital ratio | 13.7976% | 4,920 |
| Memoranda: | ||
| Average total assets | $240,189,250 | 2,671 |
| Average earning assets | $224,071,500 | 2,618 |
| Average equity | $26,970,500 | 2,415 |
| Average total loans | $204,343,750 | 2,149 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6228% | 2,055 |
| Cost of funding earning assets | 1.9193% | 1,166 |
| Net interest margin | 3.7036% | 4,350 |
| Noninterest income to average assets | 0.3435% | 5,398 |
| Noninterest expense to average assets | 1.5782% | 7,577 |
| Loan and lease loss provision to assets | 0.9750% | 1,487 |
| Net operating income to assets | 1.2505% | 1,427 |
| Return on assets (ROA) | 1.2505% | 1,489 |
| Pretax return on assets | 1.2505% | 2,255 |
| Return on Equity (ROE) | 11.2669% | 1,663 |
| Retained earnings to average equity (ytd only) | 3.1924% | 4,077 |
| Net charge-offs to loans | 0.4170% | 3,326 |
| Credit loss provision to net charge-offs | 273.2558% | 1,369 |
| Earnings coverage of net charge-offs (x) | 6.2372% | 2,500 |
| Efficiency ratio | 39.3979% | 7,652 |
| Assets per employee ($millions) | 9.2500% | 319 |
| Cash dividends to net income (ytd only)* | 71.6656% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8924% | 2,434 |
| Loan loss allowance to noncurrent loans | 79.9958% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 2.4270% | 2,964 |
| Noncurrent loans to loans | 2.3656% | 3,301 |
| Net loans and leases to total assets | 82.5825% | 480 |
| Net loans and leases to deposits | 97.1540% | 946 |
| Net loans and leases to core deposits | 175.0037% | 126 |
| Total domestic deposits to total assets | 85.0016% | 3,626 |
| Equity capital to assets | 11.2354% | 2,657 |
| Core capital (leverage) ratio | 10.8984% | 2,327 |
| Tier 1 risk-based capital ratio | 12.1584% | 5,166 |
| Total risk-based capital ratio | 13.4150% | 5,137 |
| Memoranda: | ||
| Average total assets | $241,031,670 | 2,691 |
| Average earning assets | $225,189,330 | 2,623 |
| Average equity | $26,751,000 | 2,425 |
| Average total loans | $206,231,670 | 2,161 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5271% | 2,469 |
| Cost of funding earning assets | 1.9937% | 1,110 |
| Net interest margin | 3.5334% | 5,021 |
| Noninterest income to average assets | 0.3481% | 5,357 |
| Noninterest expense to average assets | 1.5947% | 7,661 |
| Loan and lease loss provision to assets | 0.9532% | 1,319 |
| Net operating income to assets | 1.1024% | 1,824 |
| Return on assets (ROA) | 1.1024% | 1,909 |
| Pretax return on assets | 1.1024% | 2,723 |
| Return on Equity (ROE) | 9.9940% | 2,103 |
| Retained earnings to average equity (ytd only) | 3.3814% | 4,127 |
| Net charge-offs to loans | -0.2518% | 7,712 |
| Credit loss provision to net charge-offs | -438.9313% | 6,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.6440% | 7,690 |
| Assets per employee ($millions) | 9.2300% | 332 |
| Cash dividends to net income (ytd only)* | 66.1654% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8516% | 2,572 |
| Loan loss allowance to noncurrent loans | 70.0665% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 2.6544% | 2,741 |
| Noncurrent loans to loans | 2.6427% | 3,030 |
| Net loans and leases to total assets | 83.7566% | 393 |
| Net loans and leases to deposits | 98.1158% | 900 |
| Net loans and leases to core deposits | 176.3768% | 143 |
| Total domestic deposits to total assets | 85.3650% | 3,478 |
| Equity capital to assets | 11.1447% | 2,640 |
| Core capital (leverage) ratio | 10.7563% | 2,411 |
| Tier 1 risk-based capital ratio | 12.0078% | 5,187 |
| Total risk-based capital ratio | 13.2551% | 5,153 |
| Memoranda: | ||
| Average total assets | $241,298,000 | 2,749 |
| Average earning assets | $225,506,000 | 2,683 |
| Average equity | $26,616,000 | 2,457 |
| Average total loans | $208,127,000 | 2,194 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7712% | 2,779 |
| Cost of funding earning assets | 2.5896% | 808 |
| Net interest margin | 3.1816% | 6,154 |
| Noninterest income to average assets | 0.3078% | 5,883 |
| Noninterest expense to average assets | 1.5398% | 7,798 |
| Loan and lease loss provision to assets | 0.7922% | 2,758 |
| Net operating income to assets | 0.9614% | 1,981 |
| Return on assets (ROA) | 1.0417% | 1,740 |
| Pretax return on assets | 1.0421% | 2,449 |
| Return on Equity (ROE) | 10.2414% | 1,621 |
| Retained earnings to average equity (ytd only) | 5.1898% | 1,724 |
| Net charge-offs to loans | 0.7531% | 2,940 |
| Credit loss provision to net charge-offs | 122.7564% | 4,308 |
| Earnings coverage of net charge-offs (x) | 2.7179% | 3,742 |
| Efficiency ratio | 45.3529% | 7,737 |
| Assets per employee ($millions) | 9.3314% | 322 |
| Cash dividends to net income (ytd only)* | 49.3249% | 2,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4594% | 3,929 |
| Loan loss allowance to noncurrent loans | 72.3903% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 2.1520% | 3,197 |
| Noncurrent loans to loans | 2.0160% | 3,629 |
| Net loans and leases to total assets | 85.8876% | 288 |
| Net loans and leases to deposits | 102.3453% | 732 |
| Net loans and leases to core deposits | 112.3914% | 2,657 |
| Total domestic deposits to total assets | 83.9194% | 4,059 |
| Equity capital to assets | 10.9173% | 2,763 |
| Core capital (leverage) ratio | 10.5379% | 2,566 |
| Tier 1 risk-based capital ratio | 11.5228% | 5,377 |
| Total risk-based capital ratio | 12.7733% | 5,333 |
| Memoranda: | ||
| Average total assets | $241,723,000 | 2,703 |
| Average earning assets | $226,866,200 | 2,629 |
| Average equity | $24,586,600 | 2,654 |
| Average total loans | $207,147,600 | 2,230 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7679% | 3,031 |
| Cost of funding earning assets | 2.6971% | 797 |
| Net interest margin | 3.0708% | 6,399 |
| Noninterest income to average assets | 0.2954% | 6,114 |
| Noninterest expense to average assets | 1.5768% | 7,850 |
| Loan and lease loss provision to assets | 0.7260% | 2,563 |
| Net operating income to assets | 0.8784% | 2,505 |
| Return on assets (ROA) | 0.9634% | 2,240 |
| Pretax return on assets | 0.9634% | 3,012 |
| Return on Equity (ROE) | 9.6494% | 2,050 |
| Retained earnings to average equity (ytd only) | 3.2957% | 3,466 |
| Net charge-offs to loans | 0.7162% | 2,560 |
| Credit loss provision to net charge-offs | 118.7895% | 4,268 |
| Earnings coverage of net charge-offs (x) | 2.6251% | 3,906 |
| Efficiency ratio | 48.1604% | 7,657 |
| Assets per employee ($millions) | 9.3310% | 327 |
| Cash dividends to net income (ytd only)* | 65.8452% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4017% | 3,933 |
| Loan loss allowance to noncurrent loans | 48.9100% | 5,050 |
| Noncurrent assets plus other real estate owned to assets | 2.5832% | 2,693 |
| Noncurrent loans to loans | 2.8659% | 2,652 |
| Net loans and leases to total assets | 85.2135% | 416 |
| Net loans and leases to deposits | 101.6506% | 954 |
| Net loans and leases to core deposits | 112.8486% | 2,946 |
| Total domestic deposits to total assets | 83.8297% | 3,803 |
| Equity capital to assets | 10.6766% | 3,319 |
| Core capital (leverage) ratio | 10.2557% | 3,011 |
| Tier 1 risk-based capital ratio | 11.0781% | 5,873 |
| Total risk-based capital ratio | 12.3276% | 5,832 |
| Memoranda: | ||
| Average total assets | $241,499,750 | 2,720 |
| Average earning assets | $226,951,000 | 2,645 |
| Average equity | $24,111,500 | 2,733 |
| Average total loans | $206,068,750 | 2,264 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7589% | 3,260 |
| Cost of funding earning assets | 2.7924% | 810 |
| Net interest margin | 2.9665% | 6,642 |
| Noninterest income to average assets | 0.3210% | 5,941 |
| Noninterest expense to average assets | 1.6290% | 7,895 |
| Loan and lease loss provision to assets | 0.4686% | 3,177 |
| Net operating income to assets | 1.0086% | 2,075 |
| Return on assets (ROA) | 1.0243% | 2,110 |
| Pretax return on assets | 1.0227% | 2,917 |
| Return on Equity (ROE) | 10.5041% | 1,850 |
| Retained earnings to average equity (ytd only) | 2.7557% | 3,795 |
| Net charge-offs to loans | 1.0397% | 1,720 |
| Credit loss provision to net charge-offs | 53.0516% | 5,720 |
| Earnings coverage of net charge-offs (x) | 1.6704% | 4,294 |
| Efficiency ratio | 51.1355% | 7,584 |
| Assets per employee ($millions) | 9.0243% | 349 |
| Cash dividends to net income (ytd only)* | 73.7652% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0633% | 5,820 |
| Loan loss allowance to noncurrent loans | 50.1799% | 5,014 |
| Noncurrent assets plus other real estate owned to assets | 1.9716% | 3,234 |
| Noncurrent loans to loans | 2.1190% | 3,356 |
| Net loans and leases to total assets | 85.1968% | 476 |
| Net loans and leases to deposits | 100.6976% | 1,213 |
| Net loans and leases to core deposits | 111.2810% | 3,228 |
| Total domestic deposits to total assets | 84.6066% | 3,441 |
| Equity capital to assets | 9.7276% | 4,308 |
| Core capital (leverage) ratio | 9.3760% | 4,062 |
| Tier 1 risk-based capital ratio | 10.0910% | 6,830 |
| Total risk-based capital ratio | 11.0886% | 7,031 |
| Memoranda: | ||
| Average total assets | $241,131,000 | 2,738 |
| Average earning assets | $226,257,330 | 2,677 |
| Average equity | $23,514,670 | 2,810 |
| Average total loans | $204,867,670 | 2,297 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7456% | 3,556 |
| Cost of funding earning assets | 2.9066% | 759 |
| Net interest margin | 2.8390% | 6,902 |
| Noninterest income to average assets | 0.3102% | 5,960 |
| Noninterest expense to average assets | 1.5242% | 7,970 |
| Loan and lease loss provision to assets | 0.1501% | 5,007 |
| Net operating income to assets | 1.3057% | 1,367 |
| Return on assets (ROA) | 1.3057% | 1,465 |
| Pretax return on assets | 1.2990% | 2,289 |
| Return on Equity (ROE) | 13.3726% | 1,296 |
| Retained earnings to average equity (ytd only) | 4.7479% | 3,265 |
| Net charge-offs to loans | 0.0751% | 4,428 |
| Credit loss provision to net charge-offs | 236.8421% | 1,955 |
| Earnings coverage of net charge-offs (x) | 22.8684% | 1,299 |
| Efficiency ratio | 50.1402% | 7,580 |
| Assets per employee ($millions) | 8.9592% | 361 |
| Cash dividends to net income (ytd only)* | 64.4955% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3756% | 3,634 |
| Loan loss allowance to noncurrent loans | 73.1406% | 3,958 |
| Noncurrent assets plus other real estate owned to assets | 1.7867% | 3,243 |
| Noncurrent loans to loans | 1.8808% | 3,439 |
| Net loans and leases to total assets | 82.4819% | 932 |
| Net loans and leases to deposits | 98.3885% | 1,610 |
| Net loans and leases to core deposits | 115.8953% | 2,813 |
| Total domestic deposits to total assets | 83.8329% | 3,781 |
| Equity capital to assets | 9.7785% | 4,262 |
| Core capital (leverage) ratio | 9.4497% | 4,047 |
| Tier 1 risk-based capital ratio | 10.0062% | 6,915 |
| Total risk-based capital ratio | 11.2016% | 6,885 |
| Memoranda: | ||
| Average total assets | $239,868,500 | 2,767 |
| Average earning assets | $225,007,500 | 2,704 |
| Average equity | $23,421,000 | 2,826 |
| Average total loans | $202,392,500 | 2,339 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4343% | 3,256 |
| Cost of funding earning assets | 3.6271% | 345 |
| Net interest margin | 2.8072% | 7,323 |
| Noninterest income to average assets | 0.3131% | 6,213 |
| Noninterest expense to average assets | 1.3434% | 8,100 |
| Loan and lease loss provision to assets | 0.1877% | 5,014 |
| Net operating income to assets | 1.1278% | 2,039 |
| Return on assets (ROA) | 1.1610% | 1,834 |
| Pretax return on assets | 1.4653% | 1,780 |
| Return on Equity (ROE) | 11.5596% | 1,730 |
| Retained earnings to average equity (ytd only) | 6.2745% | 1,398 |
| Net charge-offs to loans | 0.0635% | 5,866 |
| Credit loss provision to net charge-offs | 354.1667% | 1,268 |
| Earnings coverage of net charge-offs (x) | 30.4000% | 1,163 |
| Efficiency ratio | 45.4709% | 7,950 |
| Assets per employee ($millions) | 9.1476% | 332 |
| Cash dividends to net income (ytd only)* | 45.7208% | 3,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3488% | 3,485 |
| Loan loss allowance to noncurrent loans | 69.2971% | 4,581 |
| Noncurrent assets plus other real estate owned to assets | 1.8744% | 2,627 |
| Noncurrent loans to loans | 1.9464% | 2,838 |
| Net loans and leases to total assets | 83.9849% | 890 |
| Net loans and leases to deposits | 101.1756% | 1,681 |
| Net loans and leases to core deposits | 114.2671% | 3,309 |
| Total domestic deposits to total assets | 83.0090% | 3,777 |
| Equity capital to assets | 9.7495% | 4,367 |
| Core capital (leverage) ratio | 9.9542% | 3,488 |
| Tier 1 risk-based capital ratio | 10.1261% | 6,602 |
| Total risk-based capital ratio | 11.3265% | 6,531 |
| Memoranda: | ||
| Average total assets | $226,445,800 | 2,814 |
| Average earning assets | $213,060,000 | 2,736 |
| Average equity | $22,743,000 | 2,878 |
| Average total loans | $188,947,000 | 2,408 |