Home > Anstaff Bank > Performance and Condition Ratios
Anstaff Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7627% | 1,558 |
| Cost of funding earning assets | 2.3134% | 1,195 |
| Net interest margin | 3.4493% | 2,446 |
| Noninterest income to average assets | 0.5000% | 1,747 |
| Noninterest expense to average assets | 2.1875% | 3,136 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.5339% | 1,026 |
| Return on assets (ROA) | 1.5265% | 1,042 |
| Pretax return on assets | 1.5265% | 1,455 |
| Return on Equity (ROE) | 18.4200% | 601 |
| Retained earnings to average equity (ytd only) | 11.2611% | 912 |
| Net charge-offs to loans | -0.0338% | 4,215 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 58.7825% | 3,108 |
| Assets per employee ($millions) | 7.1937% | 2,086 |
| Cash dividends to net income (ytd only)* | 38.8632% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2544% | 1,910 |
| Loan loss allowance to noncurrent loans | 1,028.8843% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.0931% | 3,053 |
| Noncurrent loans to loans | 0.1219% | 3,063 |
| Net loans and leases to total assets | 71.0400% | 1,722 |
| Net loans and leases to deposits | 78.3812% | 2,199 |
| Net loans and leases to core deposits | 90.9283% | 1,987 |
| Total domestic deposits to total assets | 90.6300% | 620 |
| Equity capital to assets | 8.3947% | 3,386 |
| Core capital (leverage) ratio | 9.6623% | 3,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4111% | 2,070 |
| Memoranda: | ||
| Average total assets | $1,078,834,500 | 961 |
| Average earning assets | $1,007,512,500 | 945 |
| Average equity | $89,405,000 | 1,142 |
| Average total loans | $780,149,500 | 936 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6642% | 1,821 |
| Cost of funding earning assets | 2.5477% | 1,060 |
| Net interest margin | 3.1165% | 2,907 |
| Noninterest income to average assets | 0.6000% | 1,502 |
| Noninterest expense to average assets | 2.2471% | 2,999 |
| Loan and lease loss provision to assets | 0.0700% | 1,825 |
| Net operating income to assets | 1.1801% | 1,553 |
| Return on assets (ROA) | 1.1801% | 1,552 |
| Pretax return on assets | 1.1801% | 2,030 |
| Return on Equity (ROE) | 14.2500% | 1,068 |
| Retained earnings to average equity (ytd only) | 7.7104% | 1,215 |
| Net charge-offs to loans | 0.0533% | 1,602 |
| Credit loss provision to net charge-offs | 163.3166% | 1,322 |
| Earnings coverage of net charge-offs (x) | 32.3216% | 1,488 |
| Efficiency ratio | 64.1980% | 2,706 |
| Assets per employee ($millions) | 7.0949% | 2,103 |
| Cash dividends to net income (ytd only)* | 45.8973% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2668% | 1,833 |
| Loan loss allowance to noncurrent loans | 864.2857% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.1095% | 2,936 |
| Noncurrent loans to loans | 0.1466% | 2,939 |
| Net loans and leases to total assets | 71.7800% | 1,692 |
| Net loans and leases to deposits | 79.0503% | 2,216 |
| Net loans and leases to core deposits | 91.7144% | 1,985 |
| Total domestic deposits to total assets | 90.8000% | 573 |
| Equity capital to assets | 8.1767% | 3,404 |
| Core capital (leverage) ratio | 9.3885% | 3,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1905% | 2,153 |
| Memoranda: | ||
| Average total assets | $1,026,510,000 | 988 |
| Average earning assets | $956,241,800 | 971 |
| Average equity | $85,002,600 | 1,148 |
| Average total loans | $746,125,200 | 960 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5663% | 1,953 |
| Cost of funding earning assets | 2.5401% | 1,095 |
| Net interest margin | 3.0263% | 3,043 |
| Noninterest income to average assets | 0.5700% | 1,582 |
| Noninterest expense to average assets | 2.2913% | 2,827 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.1005% | 1,762 |
| Return on assets (ROA) | 1.1005% | 1,766 |
| Pretax return on assets | 1.1005% | 2,248 |
| Return on Equity (ROE) | 13.2500% | 1,308 |
| Retained earnings to average equity (ytd only) | 8.6705% | 1,205 |
| Net charge-offs to loans | 0.0584% | 1,323 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 25.9105% | 1,613 |
| Efficiency ratio | 67.5543% | 2,311 |
| Assets per employee ($millions) | 6.7042% | 2,345 |
| Cash dividends to net income (ytd only)* | 34.5444% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2212% | 2,103 |
| Loan loss allowance to noncurrent loans | 882.7751% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.0987% | 3,035 |
| Noncurrent loans to loans | 0.1383% | 2,987 |
| Net loans and leases to total assets | 70.4400% | 1,792 |
| Net loans and leases to deposits | 78.0187% | 2,352 |
| Net loans and leases to core deposits | 91.1784% | 2,062 |
| Total domestic deposits to total assets | 90.2900% | 513 |
| Equity capital to assets | 8.5823% | 3,338 |
| Core capital (leverage) ratio | 9.6735% | 3,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3448% | 2,138 |
| Memoranda: | ||
| Average total assets | $1,017,079,250 | 992 |
| Average earning assets | $946,886,250 | 980 |
| Average equity | $84,498,500 | 1,149 |
| Average total loans | $739,236,250 | 963 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4982% | 1,978 |
| Cost of funding earning assets | 2.5321% | 1,026 |
| Net interest margin | 2.9661% | 3,125 |
| Noninterest income to average assets | 0.5800% | 1,524 |
| Noninterest expense to average assets | 2.3268% | 2,718 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.0185% | 1,939 |
| Return on assets (ROA) | 1.0185% | 1,936 |
| Pretax return on assets | 1.0185% | 2,426 |
| Return on Equity (ROE) | 12.4000% | 1,518 |
| Retained earnings to average equity (ytd only) | 7.7901% | 1,430 |
| Net charge-offs to loans | 0.0570% | 1,199 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 24.4402% | 1,516 |
| Efficiency ratio | 69.5536% | 2,167 |
| Assets per employee ($millions) | 6.4303% | 2,462 |
| Cash dividends to net income (ytd only)* | 37.1966% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2680% | 1,891 |
| Loan loss allowance to noncurrent loans | 1,613.1261% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.0570% | 3,275 |
| Noncurrent loans to loans | 0.0786% | 3,270 |
| Net loans and leases to total assets | 71.5800% | 1,716 |
| Net loans and leases to deposits | 79.0134% | 2,281 |
| Net loans and leases to core deposits | 90.4665% | 2,117 |
| Total domestic deposits to total assets | 90.5900% | 549 |
| Equity capital to assets | 8.2250% | 3,283 |
| Core capital (leverage) ratio | 9.6172% | 3,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5331% | 2,059 |
| Memoranda: | ||
| Average total assets | $1,003,016,667 | 1,004 |
| Average earning assets | $933,940,667 | 989 |
| Average equity | $82,361,333 | 1,163 |
| Average total loans | $733,851,000 | 965 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4697% | 1,870 |
| Cost of funding earning assets | 2.5039% | 984 |
| Net interest margin | 2.9659% | 3,056 |
| Noninterest income to average assets | 0.5600% | 1,518 |
| Noninterest expense to average assets | 2.3510% | 2,654 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.9649% | 2,043 |
| Return on assets (ROA) | 0.9649% | 2,049 |
| Pretax return on assets | 0.9649% | 2,486 |
| Return on Equity (ROE) | 11.7600% | 1,635 |
| Retained earnings to average equity (ytd only) | 6.3797% | 1,992 |
| Net charge-offs to loans | 0.1010% | 718 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 12.9946% | 1,535 |
| Efficiency ratio | 70.8994% | 2,054 |
| Assets per employee ($millions) | 5.8434% | 2,959 |
| Cash dividends to net income (ytd only)* | 45.7571% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2767% | 1,873 |
| Loan loss allowance to noncurrent loans | 775.1656% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.1202% | 2,832 |
| Noncurrent loans to loans | 0.1647% | 2,804 |
| Net loans and leases to total assets | 72.0500% | 1,552 |
| Net loans and leases to deposits | 79.3964% | 2,120 |
| Net loans and leases to core deposits | 92.7052% | 1,859 |
| Total domestic deposits to total assets | 90.7400% | 592 |
| Equity capital to assets | 8.1413% | 3,268 |
| Core capital (leverage) ratio | 9.5724% | 3,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3253% | 2,136 |
| Memoranda: | ||
| Average total assets | $996,530,000 | 1,008 |
| Average earning assets | $927,211,500 | 1,000 |
| Average equity | $81,759,500 | 1,163 |
| Average total loans | $732,477,500 | 968 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8732% | 2,339 |
| Cost of funding earning assets | 1.7370% | 1,377 |
| Net interest margin | 3.1362% | 3,011 |
| Noninterest income to average assets | 0.6800% | 1,254 |
| Noninterest expense to average assets | 2.3373% | 2,751 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.1721% | 1,717 |
| Return on assets (ROA) | 1.1721% | 1,686 |
| Pretax return on assets | 1.1721% | 2,208 |
| Return on Equity (ROE) | 15.3700% | 1,215 |
| Retained earnings to average equity (ytd only) | 7.3510% | 1,776 |
| Net charge-offs to loans | 0.0531% | 1,340 |
| Credit loss provision to net charge-offs | 224.8677% | 1,140 |
| Earnings coverage of net charge-offs (x) | 32.8968% | 1,577 |
| Efficiency ratio | 65.0083% | 2,479 |
| Assets per employee ($millions) | 5.9879% | 2,832 |
| Cash dividends to net income (ytd only)* | 52.1795% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3054% | 1,738 |
| Loan loss allowance to noncurrent loans | 828.9063% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.1166% | 2,756 |
| Noncurrent loans to loans | 0.1575% | 2,733 |
| Net loans and leases to total assets | 73.0700% | 1,466 |
| Net loans and leases to deposits | 80.6550% | 2,054 |
| Net loans and leases to core deposits | 93.3465% | 1,818 |
| Total domestic deposits to total assets | 90.6000% | 604 |
| Equity capital to assets | 8.2686% | 3,228 |
| Core capital (leverage) ratio | 9.2924% | 3,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1919% | 2,170 |
| Memoranda: | ||
| Average total assets | $988,406,200 | 997 |
| Average earning assets | $917,330,400 | 980 |
| Average equity | $75,363,600 | 1,177 |
| Average total loans | $711,970,600 | 943 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7095% | 2,448 |
| Cost of funding earning assets | 1.5199% | 1,554 |
| Net interest margin | 3.1897% | 2,942 |
| Noninterest income to average assets | 0.5200% | 1,861 |
| Noninterest expense to average assets | 2.3256% | 2,714 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1562% | 1,907 |
| Return on assets (ROA) | 1.1562% | 1,891 |
| Pretax return on assets | 1.1562% | 2,397 |
| Return on Equity (ROE) | 15.4900% | 1,351 |
| Retained earnings to average equity (ytd only) | 6.3737% | 2,510 |
| Net charge-offs to loans | 0.0307% | 1,461 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 52.5890% | 1,283 |
| Efficiency ratio | 66.7932% | 2,181 |
| Assets per employee ($millions) | 5.8315% | 2,899 |
| Cash dividends to net income (ytd only)* | 58.8544% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2347% | 2,194 |
| Loan loss allowance to noncurrent loans | 1,701.1450% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.0597% | 3,224 |
| Noncurrent loans to loans | 0.0726% | 3,238 |
| Net loans and leases to total assets | 71.0900% | 1,682 |
| Net loans and leases to deposits | 78.4774% | 2,206 |
| Net loans and leases to core deposits | 89.1383% | 1,988 |
| Total domestic deposits to total assets | 90.5900% | 777 |
| Equity capital to assets | 7.2240% | 3,501 |
| Core capital (leverage) ratio | 9.2233% | 3,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9805% | 2,276 |
| Memoranda: | ||
| Average total assets | $988,507,000 | 996 |
| Average earning assets | $917,150,000 | 982 |
| Average equity | $73,781,000 | 1,193 |
| Average total loans | $707,090,250 | 944 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5247% | 2,586 |
| Cost of funding earning assets | 1.3108% | 1,679 |
| Net interest margin | 3.2138% | 2,954 |
| Noninterest income to average assets | 0.5100% | 1,835 |
| Noninterest expense to average assets | 2.3016% | 2,802 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1831% | 1,873 |
| Return on assets (ROA) | 1.1831% | 1,867 |
| Pretax return on assets | 1.1831% | 2,406 |
| Return on Equity (ROE) | 15.6800% | 1,324 |
| Retained earnings to average equity (ytd only) | 8.2833% | 1,879 |
| Net charge-offs to loans | 0.0157% | 1,613 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 105.8000% | 906 |
| Efficiency ratio | 66.0482% | 2,230 |
| Assets per employee ($millions) | 5.8623% | 2,831 |
| Cash dividends to net income (ytd only)* | 47.1731% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2681% | 2,081 |
| Loan loss allowance to noncurrent loans | 724.0770% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.1243% | 2,674 |
| Noncurrent loans to loans | 0.1751% | 2,605 |
| Net loans and leases to total assets | 70.0700% | 1,736 |
| Net loans and leases to deposits | 77.5114% | 2,178 |
| Net loans and leases to core deposits | 86.8869% | 2,008 |
| Total domestic deposits to total assets | 90.4000% | 815 |
| Equity capital to assets | 7.4779% | 3,535 |
| Core capital (leverage) ratio | 9.3545% | 3,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9934% | 2,300 |
| Memoranda: | ||
| Average total assets | $983,669,333 | 991 |
| Average earning assets | $911,930,333 | 984 |
| Average equity | $74,222,000 | 1,186 |
| Average total loans | $702,135,000 | 940 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3884% | 2,580 |
| Cost of funding earning assets | 1.1484% | 1,603 |
| Net interest margin | 3.2399% | 3,019 |
| Noninterest income to average assets | 0.5000% | 1,841 |
| Noninterest expense to average assets | 2.2688% | 2,895 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2325% | 1,842 |
| Return on assets (ROA) | 1.2325% | 1,813 |
| Pretax return on assets | 1.2325% | 2,345 |
| Return on Equity (ROE) | 16.2600% | 1,304 |
| Retained earnings to average equity (ytd only) | 10.8434% | 1,507 |
| Net charge-offs to loans | 0.0138% | 1,440 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 125.0833% | 688 |
| Efficiency ratio | 64.7983% | 2,355 |
| Assets per employee ($millions) | 5.9466% | 2,809 |
| Cash dividends to net income (ytd only)* | 33.3111% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2929% | 2,066 |
| Loan loss allowance to noncurrent loans | 1,571.7014% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.0587% | 3,199 |
| Noncurrent loans to loans | 0.0823% | 3,155 |
| Net loans and leases to total assets | 70.4400% | 1,580 |
| Net loans and leases to deposits | 77.8931% | 1,979 |
| Net loans and leases to core deposits | 84.9147% | 1,933 |
| Total domestic deposits to total assets | 90.4300% | 1,001 |
| Equity capital to assets | 7.6434% | 3,480 |
| Core capital (leverage) ratio | 9.4172% | 3,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1199% | 2,347 |
| Memoranda: | ||
| Average total assets | $974,274,000 | 1,011 |
| Average earning assets | $903,480,500 | 1,006 |
| Average equity | $73,851,500 | 1,198 |
| Average total loans | $697,486,500 | 959 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1369% | 1,382 |
| Cost of funding earning assets | 0.4992% | 1,397 |
| Net interest margin | 3.6377% | 1,530 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 2.1565% | 3,141 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 1.6159% | 664 |
| Return on assets (ROA) | 1.5879% | 677 |
| Pretax return on assets | 1.5872% | 1,196 |
| Return on Equity (ROE) | 20.6100% | 420 |
| Retained earnings to average equity (ytd only) | 11.7766% | 717 |
| Net charge-offs to loans | 0.0012% | 2,525 |
| Credit loss provision to net charge-offs | 11,875.0000% | 60 |
| Earnings coverage of net charge-offs (x) | 2,088.1250% | 82 |
| Efficiency ratio | 55.4796% | 3,631 |
| Assets per employee ($millions) | 5.8985% | 2,852 |
| Cash dividends to net income (ytd only)* | 42.8691% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2879% | 1,957 |
| Loan loss allowance to noncurrent loans | 1,433.9744% | 756 |
| Noncurrent assets plus other real estate owned to assets | 0.0645% | 3,156 |
| Noncurrent loans to loans | 0.0898% | 3,113 |
| Net loans and leases to total assets | 70.9000% | 1,535 |
| Net loans and leases to deposits | 77.3629% | 2,007 |
| Net loans and leases to core deposits | 83.0628% | 1,931 |
| Total domestic deposits to total assets | 91.6400% | 737 |
| Equity capital to assets | 7.5160% | 3,379 |
| Core capital (leverage) ratio | 9.1659% | 3,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9380% | 2,397 |
| Memoranda: | ||
| Average total assets | $975,444,400 | 1,002 |
| Average earning assets | $907,617,200 | 988 |
| Average equity | $75,140,600 | 1,187 |
| Average total loans | $659,104,000 | 956 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9969% | 1,271 |
| Cost of funding earning assets | 0.4032% | 1,270 |
| Net interest margin | 3.5937% | 1,404 |
| Noninterest income to average assets | 0.4900% | 2,220 |
| Noninterest expense to average assets | 2.1460% | 3,084 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.6293% | 616 |
| Return on assets (ROA) | 1.6293% | 602 |
| Pretax return on assets | 1.6284% | 1,052 |
| Return on Equity (ROE) | 21.0200% | 356 |
| Retained earnings to average equity (ytd only) | 12.8843% | 633 |
| Net charge-offs to loans | -0.0018% | 3,249 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 55.6879% | 3,651 |
| Assets per employee ($millions) | 5.8408% | 2,897 |
| Cash dividends to net income (ytd only)* | 38.7191% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2449% | 2,288 |
| Loan loss allowance to noncurrent loans | 1,738.1930% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.0496% | 3,395 |
| Noncurrent loans to loans | 0.0716% | 3,362 |
| Net loans and leases to total assets | 68.4300% | 1,627 |
| Net loans and leases to deposits | 74.0957% | 2,039 |
| Net loans and leases to core deposits | 78.6657% | 1,996 |
| Total domestic deposits to total assets | 92.3600% | 762 |
| Equity capital to assets | 6.8914% | 3,571 |
| Core capital (leverage) ratio | 8.9035% | 3,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8382% | 2,537 |
| Memoranda: | ||
| Average total assets | $977,467,500 | 1,008 |
| Average earning assets | $910,345,000 | 993 |
| Average equity | $75,749,250 | 1,196 |
| Average total loans | $650,189,250 | 964 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9604% | 1,007 |
| Cost of funding earning assets | 0.3681% | 1,125 |
| Net interest margin | 3.5923% | 1,079 |
| Noninterest income to average assets | 0.4759% | 2,323 |
| Noninterest expense to average assets | 2.0965% | 3,156 |
| Loan and lease loss provision to assets | 0.0615% | 1,491 |
| Net operating income to assets | 1.6646% | 469 |
| Return on assets (ROA) | 1.6646% | 461 |
| Pretax return on assets | 1.6632% | 817 |
| Return on Equity (ROE) | 20.7116% | 262 |
| Retained earnings to average equity (ytd only) | 14.7849% | 285 |
| Net charge-offs to loans | -0.0222% | 3,917 |
| Credit loss provision to net charge-offs | -422.5352% | 3,349 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6030% | 3,908 |
| Assets per employee ($millions) | 6.0117% | 2,731 |
| Cash dividends to net income (ytd only)* | 28.6154% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2687% | 2,337 |
| Loan loss allowance to noncurrent loans | 2,257.9515% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.0465% | 3,521 |
| Noncurrent loans to loans | 0.0562% | 3,535 |
| Net loans and leases to total assets | 66.5264% | 1,628 |
| Net loans and leases to deposits | 72.2140% | 2,008 |
| Net loans and leases to core deposits | 76.6668% | 1,961 |
| Total domestic deposits to total assets | 92.1239% | 789 |
| Equity capital to assets | 7.0725% | 3,726 |
| Core capital (leverage) ratio | 8.7246% | 3,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8606% | 2,549 |
| Memoranda: | ||
| Average total assets | $976,206,333 | 997 |
| Average earning assets | $909,054,667 | 998 |
| Average equity | $78,458,333 | 1,182 |
| Average total loans | $640,268,667 | 968 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0700% | 668 |
| Cost of funding earning assets | 0.3593% | 1,136 |
| Net interest margin | 3.7108% | 736 |
| Noninterest income to average assets | 0.4639% | 2,338 |
| Noninterest expense to average assets | 2.0822% | 3,214 |
| Loan and lease loss provision to assets | 0.0616% | 1,310 |
| Net operating income to assets | 1.7759% | 346 |
| Return on assets (ROA) | 1.7759% | 348 |
| Pretax return on assets | 1.7759% | 577 |
| Return on Equity (ROE) | 20.8393% | 204 |
| Retained earnings to average equity (ytd only) | 15.2995% | 269 |
| Net charge-offs to loans | -0.0641% | 4,344 |
| Credit loss provision to net charge-offs | -148.5149% | 2,928 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8697% | 4,133 |
| Assets per employee ($millions) | 6.2824% | 2,574 |
| Cash dividends to net income (ytd only)* | 26.5834% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2927% | 2,403 |
| Loan loss allowance to noncurrent loans | 3,289.6414% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.0413% | 3,618 |
| Noncurrent loans to loans | 0.0393% | 3,691 |
| Net loans and leases to total assets | 63.9222% | 1,630 |
| Net loans and leases to deposits | 70.0852% | 1,959 |
| Net loans and leases to core deposits | 73.9779% | 1,939 |
| Total domestic deposits to total assets | 91.2064% | 929 |
| Equity capital to assets | 8.0238% | 3,548 |
| Core capital (leverage) ratio | 8.7120% | 3,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8562% | 2,658 |
| Memoranda: | ||
| Average total assets | $974,358,000 | 1,003 |
| Average earning assets | $907,411,500 | 1,006 |
| Average equity | $83,035,500 | 1,159 |
| Average total loans | $630,267,500 | 977 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8411% | 1,765 |
| Cost of funding earning assets | 0.4516% | 1,188 |
| Net interest margin | 3.3896% | 2,067 |
| Noninterest income to average assets | 0.5106% | 2,513 |
| Noninterest expense to average assets | 2.1943% | 3,105 |
| Loan and lease loss provision to assets | 0.0650% | 1,762 |
| Net operating income to assets | 1.4049% | 1,264 |
| Return on assets (ROA) | 1.4100% | 1,307 |
| Pretax return on assets | 1.4100% | 2,016 |
| Return on Equity (ROE) | 15.4355% | 854 |
| Retained earnings to average equity (ytd only) | 9.9504% | 930 |
| Net charge-offs to loans | 0.0850% | 956 |
| Credit loss provision to net charge-offs | 117.4168% | 1,665 |
| Earnings coverage of net charge-offs (x) | 26.5519% | 1,696 |
| Efficiency ratio | 59.5973% | 3,215 |
| Assets per employee ($millions) | 6.0527% | 2,714 |
| Cash dividends to net income (ytd only)* | 35.5359% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2876% | 2,422 |
| Loan loss allowance to noncurrent loans | 2,433.4347% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.0405% | 3,720 |
| Noncurrent loans to loans | 0.0529% | 3,703 |
| Net loans and leases to total assets | 63.7778% | 1,732 |
| Net loans and leases to deposits | 71.0876% | 2,007 |
| Net loans and leases to core deposits | 75.0839% | 1,989 |
| Total domestic deposits to total assets | 89.7171% | 1,102 |
| Equity capital to assets | 9.0328% | 3,587 |
| Core capital (leverage) ratio | 8.4919% | 3,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0776% | 2,603 |
| Memoranda: | ||
| Average total assets | $923,024,600 | 1,023 |
| Average earning assets | $858,781,000 | 1,024 |
| Average equity | $84,318,600 | 1,156 |
| Average total loans | $601,320,800 | 1,012 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8400% | 1,934 |
| Cost of funding earning assets | 0.4683% | 1,229 |
| Net interest margin | 3.3717% | 2,232 |
| Noninterest income to average assets | 0.5193% | 2,542 |
| Noninterest expense to average assets | 2.1867% | 3,112 |
| Loan and lease loss provision to assets | 0.0657% | 1,680 |
| Net operating income to assets | 1.4008% | 1,543 |
| Return on assets (ROA) | 1.4082% | 1,572 |
| Pretax return on assets | 1.4082% | 2,303 |
| Return on Equity (ROE) | 15.3703% | 1,067 |
| Retained earnings to average equity (ytd only) | 10.3903% | 1,201 |
| Net charge-offs to loans | 0.0823% | 853 |
| Credit loss provision to net charge-offs | 122.2826% | 1,453 |
| Earnings coverage of net charge-offs (x) | 27.2935% | 1,581 |
| Efficiency ratio | 59.5660% | 3,056 |
| Assets per employee ($millions) | 6.0357% | 2,661 |
| Cash dividends to net income (ytd only)* | 32.4002% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3018% | 2,474 |
| Loan loss allowance to noncurrent loans | 553.9474% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.1578% | 3,063 |
| Noncurrent loans to loans | 0.2350% | 2,998 |
| Net loans and leases to total assets | 63.5928% | 1,826 |
| Net loans and leases to deposits | 71.4522% | 2,109 |
| Net loans and leases to core deposits | 75.5076% | 2,101 |
| Total domestic deposits to total assets | 89.0005% | 1,273 |
| Equity capital to assets | 9.1158% | 3,728 |
| Core capital (leverage) ratio | 8.5099% | 4,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9826% | 2,710 |
| Memoranda: | ||
| Average total assets | $913,187,500 | 1,043 |
| Average earning assets | $848,767,000 | 1,047 |
| Average equity | $83,666,000 | 1,180 |
| Average total loans | $596,204,500 | 1,036 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8709% | 1,899 |
| Cost of funding earning assets | 0.4922% | 1,246 |
| Net interest margin | 3.3788% | 2,208 |
| Noninterest income to average assets | 0.5202% | 2,526 |
| Noninterest expense to average assets | 2.1927% | 3,111 |
| Loan and lease loss provision to assets | 0.0667% | 1,712 |
| Net operating income to assets | 1.3985% | 1,572 |
| Return on assets (ROA) | 1.4025% | 1,626 |
| Pretax return on assets | 1.4025% | 2,333 |
| Return on Equity (ROE) | 15.2802% | 1,090 |
| Retained earnings to average equity (ytd only) | 10.4363% | 1,277 |
| Net charge-offs to loans | 0.0024% | 2,120 |
| Credit loss provision to net charge-offs | 4,285.7143% | 160 |
| Earnings coverage of net charge-offs (x) | 941.5714% | 137 |
| Efficiency ratio | 59.6475% | 3,060 |
| Assets per employee ($millions) | 5.9070% | 2,709 |
| Cash dividends to net income (ytd only)* | 31.7007% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3762% | 2,073 |
| Loan loss allowance to noncurrent loans | 668.0228% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 0.1362% | 3,333 |
| Noncurrent loans to loans | 0.2060% | 3,220 |
| Net loans and leases to total assets | 63.0396% | 2,057 |
| Net loans and leases to deposits | 70.7663% | 2,334 |
| Net loans and leases to core deposits | 74.9214% | 2,340 |
| Total domestic deposits to total assets | 89.0814% | 1,240 |
| Equity capital to assets | 9.0231% | 3,774 |
| Core capital (leverage) ratio | 8.3631% | 4,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1232% | 2,672 |
| Memoranda: | ||
| Average total assets | $899,702,667 | 1,055 |
| Average earning assets | $835,513,000 | 1,052 |
| Average equity | $82,577,333 | 1,190 |
| Average total loans | $590,123,667 | 1,044 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9549% | 1,693 |
| Cost of funding earning assets | 0.5163% | 1,292 |
| Net interest margin | 3.4386% | 1,994 |
| Noninterest income to average assets | 0.4997% | 2,614 |
| Noninterest expense to average assets | 2.2299% | 3,008 |
| Loan and lease loss provision to assets | 0.0680% | 1,796 |
| Net operating income to assets | 1.3909% | 1,596 |
| Return on assets (ROA) | 1.3977% | 1,654 |
| Pretax return on assets | 1.3977% | 2,284 |
| Return on Equity (ROE) | 15.0931% | 1,187 |
| Retained earnings to average equity (ytd only) | 11.1792% | 1,359 |
| Net charge-offs to loans | -0.0014% | 3,071 |
| Credit loss provision to net charge-offs | -7,500.0000% | 3,762 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1572% | 3,012 |
| Assets per employee ($millions) | 5.9301% | 2,665 |
| Cash dividends to net income (ytd only)* | 25.9319% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3600% | 2,148 |
| Loan loss allowance to noncurrent loans | 290.3562% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 0.3114% | 2,582 |
| Noncurrent loans to loans | 0.4684% | 2,449 |
| Net loans and leases to total assets | 64.5010% | 1,981 |
| Net loans and leases to deposits | 72.3954% | 2,271 |
| Net loans and leases to core deposits | 77.1609% | 2,248 |
| Total domestic deposits to total assets | 89.0954% | 1,290 |
| Equity capital to assets | 9.0301% | 3,650 |
| Core capital (leverage) ratio | 8.6654% | 3,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5175% | 2,812 |
| Memoranda: | ||
| Average total assets | $882,898,000 | 1,058 |
| Average earning assets | $818,825,000 | 1,058 |
| Average equity | $81,759,000 | 1,185 |
| Average total loans | $586,902,500 | 1,054 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5260% | 1,247 |
| Cost of funding earning assets | 0.8906% | 879 |
| Net interest margin | 3.6354% | 2,023 |
| Noninterest income to average assets | 0.5546% | 2,402 |
| Noninterest expense to average assets | 2.3670% | 3,217 |
| Loan and lease loss provision to assets | 0.1890% | 2,060 |
| Net operating income to assets | 1.3407% | 1,146 |
| Return on assets (ROA) | 1.3553% | 1,206 |
| Pretax return on assets | 1.3569% | 1,793 |
| Return on Equity (ROE) | 14.3468% | 742 |
| Retained earnings to average equity (ytd only) | 7.3721% | 1,247 |
| Net charge-offs to loans | 0.0128% | 2,877 |
| Credit loss provision to net charge-offs | 2,054.7945% | 432 |
| Earnings coverage of net charge-offs (x) | 166.5068% | 526 |
| Efficiency ratio | 60.4059% | 3,397 |
| Assets per employee ($millions) | 5.5746% | 2,767 |
| Cash dividends to net income (ytd only)* | 48.6150% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3638% | 2,128 |
| Loan loss allowance to noncurrent loans | 269.2857% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 0.3478% | 2,597 |
| Noncurrent loans to loans | 0.5064% | 2,455 |
| Net loans and leases to total assets | 66.6982% | 1,995 |
| Net loans and leases to deposits | 75.5570% | 2,324 |
| Net loans and leases to core deposits | 81.2281% | 2,253 |
| Total domestic deposits to total assets | 88.2753% | 1,338 |
| Equity capital to assets | 9.5036% | 3,607 |
| Core capital (leverage) ratio | 8.6728% | 4,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5485% | 2,786 |
| Memoranda: | ||
| Average total assets | $793,773,200 | 1,066 |
| Average earning assets | $730,093,800 | 1,064 |
| Average equity | $74,985,600 | 1,218 |
| Average total loans | $572,028,800 | 1,022 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6016% | 1,300 |
| Cost of funding earning assets | 0.9717% | 844 |
| Net interest margin | 3.6299% | 2,160 |
| Noninterest income to average assets | 0.5531% | 2,376 |
| Noninterest expense to average assets | 2.3847% | 3,184 |
| Loan and lease loss provision to assets | 0.1800% | 2,185 |
| Net operating income to assets | 1.3203% | 1,311 |
| Return on assets (ROA) | 1.3402% | 1,353 |
| Pretax return on assets | 1.3421% | 1,898 |
| Return on Equity (ROE) | 14.2102% | 836 |
| Retained earnings to average equity (ytd only) | 9.6104% | 846 |
| Net charge-offs to loans | 0.0110% | 2,711 |
| Credit loss provision to net charge-offs | 2,234.0426% | 432 |
| Earnings coverage of net charge-offs (x) | 186.4043% | 514 |
| Efficiency ratio | 61.0305% | 3,210 |
| Assets per employee ($millions) | 5.2195% | 2,996 |
| Cash dividends to net income (ytd only)* | 32.3695% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2575% | 2,361 |
| Loan loss allowance to noncurrent loans | 188.5980% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 0.4952% | 2,222 |
| Noncurrent loans to loans | 0.6668% | 2,118 |
| Net loans and leases to total assets | 71.3440% | 1,765 |
| Net loans and leases to deposits | 80.9655% | 2,201 |
| Net loans and leases to core deposits | 87.2152% | 2,213 |
| Total domestic deposits to total assets | 88.1166% | 1,167 |
| Equity capital to assets | 9.4612% | 3,714 |
| Core capital (leverage) ratio | 8.5492% | 4,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9472% | 2,927 |
| Memoranda: | ||
| Average total assets | $777,594,250 | 1,068 |
| Average earning assets | $714,169,750 | 1,069 |
| Average equity | $73,335,250 | 1,233 |
| Average total loans | $569,907,500 | 1,021 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7290% | 1,335 |
| Cost of funding earning assets | 1.0445% | 854 |
| Net interest margin | 3.6845% | 2,226 |
| Noninterest income to average assets | 0.5392% | 2,398 |
| Noninterest expense to average assets | 2.3888% | 3,288 |
| Loan and lease loss provision to assets | 0.1838% | 2,185 |
| Net operating income to assets | 1.3409% | 1,245 |
| Return on assets (ROA) | 1.3713% | 1,270 |
| Pretax return on assets | 1.3734% | 1,793 |
| Return on Equity (ROE) | 14.5572% | 782 |
| Retained earnings to average equity (ytd only) | 11.6313% | 509 |
| Net charge-offs to loans | 0.0125% | 2,520 |
| Credit loss provision to net charge-offs | 2,000.0000% | 478 |
| Earnings coverage of net charge-offs (x) | 166.1714% | 505 |
| Efficiency ratio | 60.6798% | 3,322 |
| Assets per employee ($millions) | 5.1623% | 2,988 |
| Cash dividends to net income (ytd only)* | 20.0995% | 2,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2148% | 2,442 |
| Loan loss allowance to noncurrent loans | 206.6128% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 0.4356% | 2,565 |
| Noncurrent loans to loans | 0.5880% | 2,394 |
| Net loans and leases to total assets | 69.5733% | 2,098 |
| Net loans and leases to deposits | 78.6654% | 2,582 |
| Net loans and leases to core deposits | 85.0831% | 2,516 |
| Total domestic deposits to total assets | 88.4421% | 970 |
| Equity capital to assets | 9.1578% | 3,959 |
| Core capital (leverage) ratio | 8.5722% | 4,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $761,897,333 | 1,070 |
| Average earning assets | $698,166,333 | 1,079 |
| Average equity | $71,772,000 | 1,239 |
| Average total loans | $561,258,000 | 1,020 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9886% | 994 |
| Cost of funding earning assets | 1.1231% | 978 |
| Net interest margin | 3.8655% | 1,779 |
| Noninterest income to average assets | 0.4515% | 2,780 |
| Noninterest expense to average assets | 2.4998% | 3,266 |
| Loan and lease loss provision to assets | 0.3036% | 1,022 |
| Net operating income to assets | 1.1740% | 1,606 |
| Return on assets (ROA) | 1.1922% | 1,657 |
| Pretax return on assets | 1.1977% | 2,204 |
| Return on Equity (ROE) | 12.4558% | 999 |
| Retained earnings to average equity (ytd only) | 10.0339% | 742 |
| Net charge-offs to loans | 0.0146% | 2,080 |
| Credit loss provision to net charge-offs | 2,750.0000% | 276 |
| Earnings coverage of net charge-offs (x) | 134.3500% | 467 |
| Efficiency ratio | 62.4307% | 3,445 |
| Assets per employee ($millions) | 4.5841% | 3,147 |
| Cash dividends to net income (ytd only)* | 19.4444% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2582% | 2,347 |
| Loan loss allowance to noncurrent loans | 280.8000% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 0.3654% | 2,980 |
| Noncurrent loans to loans | 0.4481% | 2,909 |
| Net loans and leases to total assets | 75.1146% | 1,443 |
| Net loans and leases to deposits | 84.6131% | 2,154 |
| Net loans and leases to core deposits | 92.7358% | 2,094 |
| Total domestic deposits to total assets | 88.7742% | 768 |
| Equity capital to assets | 9.3062% | 4,389 |
| Core capital (leverage) ratio | 9.1860% | 4,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $724,700,000 | 1,081 |
| Average earning assets | $662,069,500 | 1,087 |
| Average equity | $69,365,000 | 1,269 |
| Average total loans | $547,391,500 | 1,015 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9868% | 1,517 |
| Cost of funding earning assets | 1.0869% | 1,378 |
| Net interest margin | 3.8998% | 2,173 |
| Noninterest income to average assets | 0.5039% | 2,713 |
| Noninterest expense to average assets | 2.5940% | 3,189 |
| Loan and lease loss provision to assets | 0.1438% | 1,483 |
| Net operating income to assets | 1.3266% | 1,593 |
| Return on assets (ROA) | 1.3333% | 1,649 |
| Pretax return on assets | 1.3352% | 2,379 |
| Return on Equity (ROE) | 13.4895% | 1,014 |
| Retained earnings to average equity (ytd only) | 9.0144% | 702 |
| Net charge-offs to loans | 0.0416% | 2,560 |
| Credit loss provision to net charge-offs | 460.6635% | 632 |
| Earnings coverage of net charge-offs (x) | 47.1706% | 1,176 |
| Efficiency ratio | 63.4386% | 3,155 |
| Assets per employee ($millions) | 4.4468% | 3,305 |
| Cash dividends to net income (ytd only)* | 33.1743% | 2,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2090% | 2,387 |
| Loan loss allowance to noncurrent loans | 269.2946% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.3802% | 2,892 |
| Noncurrent loans to loans | 0.4489% | 2,832 |
| Net loans and leases to total assets | 74.0757% | 1,733 |
| Net loans and leases to deposits | 83.5082% | 2,383 |
| Net loans and leases to core deposits | 91.0523% | 2,319 |
| Total domestic deposits to total assets | 88.7048% | 791 |
| Equity capital to assets | 9.8434% | 4,064 |
| Core capital (leverage) ratio | 9.0447% | 4,495 |
| Tier 1 risk-based capital ratio | 10.9987% | 4,860 |
| Total risk-based capital ratio | 12.1235% | 4,808 |
| Memoranda: | ||
| Average total assets | $675,992,800 | 1,108 |
| Average earning assets | $617,516,200 | 1,118 |
| Average equity | $66,815,000 | 1,269 |
| Average total loans | $507,536,000 | 1,066 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9688% | 1,625 |
| Cost of funding earning assets | 1.0556% | 1,519 |
| Net interest margin | 3.9132% | 2,208 |
| Noninterest income to average assets | 0.5151% | 2,634 |
| Noninterest expense to average assets | 2.5795% | 3,220 |
| Loan and lease loss provision to assets | 0.0679% | 2,528 |
| Net operating income to assets | 1.4368% | 1,364 |
| Return on assets (ROA) | 1.4448% | 1,397 |
| Pretax return on assets | 1.4476% | 2,127 |
| Return on Equity (ROE) | 14.6015% | 869 |
| Retained earnings to average equity (ytd only) | 9.2096% | 986 |
| Net charge-offs to loans | 0.0474% | 2,159 |
| Credit loss provision to net charge-offs | 190.4494% | 1,375 |
| Earnings coverage of net charge-offs (x) | 42.3029% | 1,320 |
| Efficiency ratio | 62.7578% | 3,206 |
| Assets per employee ($millions) | 4.5075% | 3,194 |
| Cash dividends to net income (ytd only)* | 36.9266% | 2,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1427% | 2,811 |
| Loan loss allowance to noncurrent loans | 377.3222% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 0.2516% | 3,559 |
| Noncurrent loans to loans | 0.3028% | 3,451 |
| Net loans and leases to total assets | 72.9344% | 2,011 |
| Net loans and leases to deposits | 82.3877% | 2,635 |
| Net loans and leases to core deposits | 89.2829% | 2,606 |
| Total domestic deposits to total assets | 88.5259% | 813 |
| Equity capital to assets | 9.9081% | 4,108 |
| Core capital (leverage) ratio | 9.1823% | 4,493 |
| Tier 1 risk-based capital ratio | 11.1882% | 4,829 |
| Total risk-based capital ratio | 12.2517% | 4,796 |
| Memoranda: | ||
| Average total assets | $666,006,250 | 1,121 |
| Average earning assets | $607,914,750 | 1,127 |
| Average equity | $65,900,500 | 1,282 |
| Average total loans | $500,213,250 | 1,078 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9174% | 1,703 |
| Cost of funding earning assets | 1.0020% | 1,689 |
| Net interest margin | 3.9154% | 2,200 |
| Noninterest income to average assets | 0.5172% | 2,581 |
| Noninterest expense to average assets | 2.5782% | 3,254 |
| Loan and lease loss provision to assets | 0.0727% | 2,363 |
| Net operating income to assets | 1.4413% | 1,320 |
| Return on assets (ROA) | 1.4394% | 1,373 |
| Pretax return on assets | 1.4422% | 2,058 |
| Return on Equity (ROE) | 14.5541% | 860 |
| Retained earnings to average equity (ytd only) | 9.0597% | 1,019 |
| Net charge-offs to loans | 0.0460% | 1,992 |
| Credit loss provision to net charge-offs | 208.7719% | 1,168 |
| Earnings coverage of net charge-offs (x) | 43.5789% | 1,194 |
| Efficiency ratio | 62.5960% | 3,341 |
| Assets per employee ($millions) | 4.3401% | 3,386 |
| Cash dividends to net income (ytd only)* | 37.7519% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1699% | 2,670 |
| Loan loss allowance to noncurrent loans | 458.6991% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.2617% | 3,520 |
| Noncurrent loans to loans | 0.2550% | 3,616 |
| Net loans and leases to total assets | 73.9779% | 1,896 |
| Net loans and leases to deposits | 83.8117% | 2,509 |
| Net loans and leases to core deposits | 90.6973% | 2,542 |
| Total domestic deposits to total assets | 88.2668% | 982 |
| Equity capital to assets | 10.0368% | 3,946 |
| Core capital (leverage) ratio | 9.3323% | 4,330 |
| Tier 1 risk-based capital ratio | 11.3177% | 4,783 |
| Total risk-based capital ratio | 12.4155% | 4,739 |
| Memoranda: | ||
| Average total assets | $655,120,670 | 1,138 |
| Average earning assets | $598,604,670 | 1,139 |
| Average equity | $64,792,670 | 1,295 |
| Average total loans | $495,132,330 | 1,089 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8674% | 1,701 |
| Cost of funding earning assets | 0.9542% | 1,774 |
| Net interest margin | 3.9132% | 2,146 |
| Noninterest income to average assets | 0.4891% | 2,619 |
| Noninterest expense to average assets | 2.5653% | 3,314 |
| Loan and lease loss provision to assets | 0.0845% | 2,009 |
| Net operating income to assets | 1.4131% | 1,342 |
| Return on assets (ROA) | 1.4131% | 1,368 |
| Pretax return on assets | 1.4187% | 2,016 |
| Return on Equity (ROE) | 14.3982% | 880 |
| Retained earnings to average equity (ytd only) | 8.4277% | 1,512 |
| Net charge-offs to loans | 0.0723% | 1,340 |
| Credit loss provision to net charge-offs | 153.9326% | 1,217 |
| Earnings coverage of net charge-offs (x) | 27.3820% | 1,383 |
| Efficiency ratio | 62.6895% | 3,433 |
| Assets per employee ($millions) | 4.4515% | 3,254 |
| Cash dividends to net income (ytd only)* | 41.4666% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1610% | 2,790 |
| Loan loss allowance to noncurrent loans | 420.1455% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.2714% | 3,524 |
| Noncurrent loans to loans | 0.2763% | 3,576 |
| Net loans and leases to total assets | 74.6473% | 1,697 |
| Net loans and leases to deposits | 84.2977% | 2,351 |
| Net loans and leases to core deposits | 90.0519% | 2,496 |
| Total domestic deposits to total assets | 88.5521% | 1,060 |
| Equity capital to assets | 9.7857% | 4,019 |
| Core capital (leverage) ratio | 9.2658% | 4,392 |
| Tier 1 risk-based capital ratio | 11.1930% | 4,888 |
| Total risk-based capital ratio | 12.2941% | 4,857 |
| Memoranda: | ||
| Average total assets | $648,492,000 | 1,157 |
| Average earning assets | $593,173,500 | 1,164 |
| Average equity | $63,647,000 | 1,304 |
| Average total loans | $492,546,000 | 1,095 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6817% | 1,891 |
| Cost of funding earning assets | 0.8158% | 1,453 |
| Net interest margin | 3.8659% | 2,439 |
| Noninterest income to average assets | 0.5475% | 2,562 |
| Noninterest expense to average assets | 2.5988% | 3,337 |
| Loan and lease loss provision to assets | 0.1570% | 1,320 |
| Net operating income to assets | 1.3321% | 1,680 |
| Return on assets (ROA) | 1.3292% | 1,677 |
| Pretax return on assets | 1.3292% | 2,404 |
| Return on Equity (ROE) | 13.7085% | 1,126 |
| Retained earnings to average equity (ytd only) | 6.7978% | 1,756 |
| Net charge-offs to loans | 0.0643% | 2,202 |
| Credit loss provision to net charge-offs | 334.1216% | 931 |
| Earnings coverage of net charge-offs (x) | 31.6824% | 1,536 |
| Efficiency ratio | 63.1953% | 3,305 |
| Assets per employee ($millions) | 4.0647% | 3,803 |
| Cash dividends to net income (ytd only)* | 50.4121% | 1,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1751% | 2,693 |
| Loan loss allowance to noncurrent loans | 383.2107% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.2651% | 3,525 |
| Noncurrent loans to loans | 0.3067% | 3,450 |
| Net loans and leases to total assets | 75.4970% | 1,698 |
| Net loans and leases to deposits | 85.3691% | 2,364 |
| Net loans and leases to core deposits | 90.9558% | 2,497 |
| Total domestic deposits to total assets | 88.4359% | 1,102 |
| Equity capital to assets | 9.8444% | 3,820 |
| Core capital (leverage) ratio | 8.9671% | 4,681 |
| Tier 1 risk-based capital ratio | 11.1993% | 4,864 |
| Total risk-based capital ratio | 12.3176% | 4,837 |
| Memoranda: | ||
| Average total assets | $629,757,400 | 1,157 |
| Average earning assets | $576,740,200 | 1,166 |
| Average equity | $61,064,200 | 1,298 |
| Average total loans | $460,324,200 | 1,130 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5623% | 2,096 |
| Cost of funding earning assets | 0.7678% | 1,490 |
| Net interest margin | 3.7945% | 2,668 |
| Noninterest income to average assets | 0.5442% | 2,596 |
| Noninterest expense to average assets | 2.5916% | 3,306 |
| Loan and lease loss provision to assets | 0.1183% | 1,715 |
| Net operating income to assets | 1.3100% | 1,814 |
| Return on assets (ROA) | 1.3062% | 1,838 |
| Pretax return on assets | 1.3062% | 2,606 |
| Return on Equity (ROE) | 13.5233% | 1,257 |
| Retained earnings to average equity (ytd only) | 8.6410% | 1,362 |
| Net charge-offs to loans | 0.0591% | 1,979 |
| Credit loss provision to net charge-offs | 277.1144% | 1,086 |
| Earnings coverage of net charge-offs (x) | 33.4532% | 1,511 |
| Efficiency ratio | 64.0826% | 3,171 |
| Assets per employee ($millions) | 4.2082% | 3,565 |
| Cash dividends to net income (ytd only)* | 36.1035% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1359% | 2,989 |
| Loan loss allowance to noncurrent loans | 947.6274% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.1267% | 4,330 |
| Noncurrent loans to loans | 0.1199% | 4,355 |
| Net loans and leases to total assets | 72.4130% | 2,269 |
| Net loans and leases to deposits | 81.8400% | 2,838 |
| Net loans and leases to core deposits | 86.8223% | 2,937 |
| Total domestic deposits to total assets | 88.4811% | 1,056 |
| Equity capital to assets | 9.6188% | 3,981 |
| Core capital (leverage) ratio | 9.1455% | 4,570 |
| Tier 1 risk-based capital ratio | 11.4441% | 4,827 |
| Total risk-based capital ratio | 12.5249% | 4,808 |
| Memoranda: | ||
| Average total assets | $627,657,250 | 1,162 |
| Average earning assets | $574,927,750 | 1,172 |
| Average equity | $60,624,500 | 1,307 |
| Average total loans | $453,525,500 | 1,143 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5111% | 2,061 |
| Cost of funding earning assets | 0.7331% | 1,454 |
| Net interest margin | 3.7779% | 2,645 |
| Noninterest income to average assets | 0.5370% | 2,657 |
| Noninterest expense to average assets | 2.5897% | 3,357 |
| Loan and lease loss provision to assets | 0.0412% | 3,082 |
| Net operating income to assets | 1.3623% | 1,562 |
| Return on assets (ROA) | 1.3565% | 1,584 |
| Pretax return on assets | 1.3565% | 2,303 |
| Return on Equity (ROE) | 14.0240% | 1,071 |
| Retained earnings to average equity (ytd only) | 9.0452% | 1,201 |
| Net charge-offs to loans | 0.0748% | 1,580 |
| Credit loss provision to net charge-offs | 76.6467% | 2,294 |
| Earnings coverage of net charge-offs (x) | 26.0898% | 1,613 |
| Efficiency ratio | 64.4563% | 3,255 |
| Assets per employee ($millions) | 4.1137% | 3,703 |
| Cash dividends to net income (ytd only)* | 35.5023% | 2,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0860% | 3,351 |
| Loan loss allowance to noncurrent loans | 1,019.7959% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.1238% | 4,382 |
| Noncurrent loans to loans | 0.1065% | 4,437 |
| Net loans and leases to total assets | 72.7909% | 2,152 |
| Net loans and leases to deposits | 82.4553% | 2,719 |
| Net loans and leases to core deposits | 87.1973% | 2,800 |
| Total domestic deposits to total assets | 88.2792% | 1,230 |
| Equity capital to assets | 9.7973% | 3,822 |
| Core capital (leverage) ratio | 9.1023% | 4,588 |
| Tier 1 risk-based capital ratio | 11.4864% | 4,791 |
| Total risk-based capital ratio | 12.5147% | 4,812 |
| Memoranda: | ||
| Average total assets | $620,854,670 | 1,172 |
| Average earning assets | $567,981,670 | 1,185 |
| Average equity | $60,054,000 | 1,320 |
| Average total loans | $446,475,670 | 1,153 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3967% | 2,204 |
| Cost of funding earning assets | 0.7183% | 1,351 |
| Net interest margin | 3.6784% | 2,890 |
| Noninterest income to average assets | 0.5283% | 2,642 |
| Noninterest expense to average assets | 2.4945% | 3,666 |
| Loan and lease loss provision to assets | 0.0427% | 2,907 |
| Net operating income to assets | 1.3552% | 1,462 |
| Return on assets (ROA) | 1.3436% | 1,513 |
| Pretax return on assets | 1.3436% | 2,207 |
| Return on Equity (ROE) | 13.9814% | 1,019 |
| Retained earnings to average equity (ytd only) | 8.7670% | 1,548 |
| Net charge-offs to loans | 0.0755% | 1,368 |
| Credit loss provision to net charge-offs | 79.5181% | 1,752 |
| Earnings coverage of net charge-offs (x) | 26.0482% | 1,325 |
| Efficiency ratio | 63.6877% | 3,526 |
| Assets per employee ($millions) | 4.2076% | 3,637 |
| Cash dividends to net income (ytd only)* | 37.2955% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1282% | 3,215 |
| Loan loss allowance to noncurrent loans | 439.4921% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.3104% | 3,596 |
| Noncurrent loans to loans | 0.2567% | 3,840 |
| Net loans and leases to total assets | 69.6909% | 2,532 |
| Net loans and leases to deposits | 79.3292% | 2,885 |
| Net loans and leases to core deposits | 85.1540% | 2,875 |
| Total domestic deposits to total assets | 87.8503% | 1,701 |
| Equity capital to assets | 9.4955% | 4,093 |
| Core capital (leverage) ratio | 8.9682% | 4,707 |
| Tier 1 risk-based capital ratio | 11.4638% | 4,876 |
| Total risk-based capital ratio | 12.5214% | 4,885 |
| Memoranda: | ||
| Average total assets | $618,640,000 | 1,188 |
| Average earning assets | $565,787,500 | 1,197 |
| Average equity | $59,450,500 | 1,343 |
| Average total loans | $439,640,000 | 1,170 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4547% | 1,864 |
| Cost of funding earning assets | 0.6097% | 1,532 |
| Net interest margin | 3.8450% | 2,272 |
| Noninterest income to average assets | 0.4732% | 3,168 |
| Noninterest expense to average assets | 2.5743% | 3,526 |
| Loan and lease loss provision to assets | 0.2044% | 1,007 |
| Net operating income to assets | 1.2096% | 1,488 |
| Return on assets (ROA) | 1.2076% | 1,527 |
| Pretax return on assets | 1.2076% | 2,749 |
| Return on Equity (ROE) | 12.1586% | 1,169 |
| Retained earnings to average equity (ytd only) | 4.3177% | 2,564 |
| Net charge-offs to loans | 0.0692% | 2,461 |
| Credit loss provision to net charge-offs | 413.0584% | 736 |
| Earnings coverage of net charge-offs (x) | 28.5773% | 1,598 |
| Efficiency ratio | 64.5464% | 3,523 |
| Assets per employee ($millions) | 4.2093% | 3,641 |
| Cash dividends to net income (ytd only)* | 64.4889% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1595% | 3,009 |
| Loan loss allowance to noncurrent loans | 392.2897% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.3140% | 3,622 |
| Noncurrent loans to loans | 0.2956% | 3,722 |
| Net loans and leases to total assets | 70.8379% | 2,389 |
| Net loans and leases to deposits | 81.8250% | 2,736 |
| Net loans and leases to core deposits | 87.6757% | 2,754 |
| Total domestic deposits to total assets | 86.5725% | 2,201 |
| Equity capital to assets | 9.7290% | 3,995 |
| Core capital (leverage) ratio | 9.1152% | 4,503 |
| Tier 1 risk-based capital ratio | 11.5420% | 4,821 |
| Total risk-based capital ratio | 12.6339% | 4,807 |
| Memoranda: | ||
| Average total assets | $588,120,600 | 1,219 |
| Average earning assets | $537,655,800 | 1,228 |
| Average equity | $58,411,400 | 1,343 |
| Average total loans | $420,779,600 | 1,183 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4357% | 1,842 |
| Cost of funding earning assets | 0.5904% | 1,598 |
| Net interest margin | 3.8453% | 2,238 |
| Noninterest income to average assets | 0.4692% | 3,220 |
| Noninterest expense to average assets | 2.5934% | 3,429 |
| Loan and lease loss provision to assets | 0.1341% | 1,615 |
| Net operating income to assets | 1.2574% | 1,478 |
| Return on assets (ROA) | 1.2556% | 1,516 |
| Pretax return on assets | 1.2556% | 2,683 |
| Return on Equity (ROE) | 12.5753% | 1,156 |
| Retained earnings to average equity (ytd only) | 6.9009% | 1,742 |
| Net charge-offs to loans | 0.0815% | 1,987 |
| Credit loss provision to net charge-offs | 230.1961% | 1,215 |
| Earnings coverage of net charge-offs (x) | 23.8864% | 1,796 |
| Efficiency ratio | 65.0805% | 3,364 |
| Assets per employee ($millions) | 4.2901% | 3,487 |
| Cash dividends to net income (ytd only)* | 45.1237% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0411% | 3,837 |
| Loan loss allowance to noncurrent loans | 315.0530% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 0.3315% | 3,726 |
| Noncurrent loans to loans | 0.3305% | 3,765 |
| Net loans and leases to total assets | 71.0587% | 2,401 |
| Net loans and leases to deposits | 80.9571% | 2,880 |
| Net loans and leases to core deposits | 86.5439% | 2,919 |
| Total domestic deposits to total assets | 87.7732% | 1,482 |
| Equity capital to assets | 10.0310% | 3,877 |
| Core capital (leverage) ratio | 9.2633% | 4,448 |
| Tier 1 risk-based capital ratio | 11.8163% | 4,753 |
| Total risk-based capital ratio | 12.7934% | 4,821 |
| Memoranda: | ||
| Average total assets | $583,616,750 | 1,237 |
| Average earning assets | $533,594,750 | 1,247 |
| Average equity | $58,271,500 | 1,360 |
| Average total loans | $417,371,750 | 1,200 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3960% | 1,826 |
| Cost of funding earning assets | 0.5691% | 1,656 |
| Net interest margin | 3.8269% | 2,185 |
| Noninterest income to average assets | 0.4905% | 3,084 |
| Noninterest expense to average assets | 2.5824% | 3,487 |
| Loan and lease loss provision to assets | 0.1836% | 1,027 |
| Net operating income to assets | 1.2272% | 1,509 |
| Return on assets (ROA) | 1.2272% | 1,543 |
| Pretax return on assets | 1.2272% | 2,669 |
| Return on Equity (ROE) | 12.3103% | 1,206 |
| Retained earnings to average equity (ytd only) | 7.5316% | 1,339 |
| Net charge-offs to loans | 0.1165% | 1,471 |
| Credit loss provision to net charge-offs | 220.7469% | 1,181 |
| Earnings coverage of net charge-offs (x) | 16.9585% | 1,949 |
| Efficiency ratio | 64.6698% | 3,559 |
| Assets per employee ($millions) | 4.2018% | 3,614 |
| Cash dividends to net income (ytd only)* | 38.8186% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0395% | 3,903 |
| Loan loss allowance to noncurrent loans | 322.4088% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 0.4674% | 3,240 |
| Noncurrent loans to loans | 0.3224% | 3,876 |
| Net loans and leases to total assets | 70.9757% | 2,381 |
| Net loans and leases to deposits | 80.8423% | 2,827 |
| Net loans and leases to core deposits | 86.4919% | 2,832 |
| Total domestic deposits to total assets | 87.7953% | 1,566 |
| Equity capital to assets | 9.9473% | 3,975 |
| Core capital (leverage) ratio | 9.2515% | 4,431 |
| Tier 1 risk-based capital ratio | 11.7073% | 4,836 |
| Total risk-based capital ratio | 12.6819% | 4,898 |
| Memoranda: | ||
| Average total assets | $579,382,330 | 1,246 |
| Average earning assets | $530,295,000 | 1,252 |
| Average equity | $57,756,330 | 1,372 |
| Average total loans | $413,764,000 | 1,210 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3875% | 1,684 |
| Cost of funding earning assets | 0.5511% | 1,706 |
| Net interest margin | 3.8364% | 1,999 |
| Noninterest income to average assets | 0.4818% | 3,100 |
| Noninterest expense to average assets | 2.7190% | 3,072 |
| Loan and lease loss provision to assets | 0.0803% | 2,206 |
| Net operating income to assets | 1.1871% | 1,536 |
| Return on assets (ROA) | 1.1871% | 1,578 |
| Pretax return on assets | 1.1871% | 2,640 |
| Return on Equity (ROE) | 11.8948% | 1,270 |
| Retained earnings to average equity (ytd only) | 7.3468% | 1,719 |
| Net charge-offs to loans | 0.1264% | 1,161 |
| Credit loss provision to net charge-offs | 89.1473% | 1,696 |
| Earnings coverage of net charge-offs (x) | 14.0698% | 1,747 |
| Efficiency ratio | 68.2081% | 3,161 |
| Assets per employee ($millions) | 4.2368% | 3,609 |
| Cash dividends to net income (ytd only)* | 38.2353% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9985% | 4,301 |
| Loan loss allowance to noncurrent loans | 648.5804% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.3580% | 3,772 |
| Noncurrent loans to loans | 0.1540% | 4,571 |
| Net loans and leases to total assets | 70.2372% | 2,335 |
| Net loans and leases to deposits | 80.0642% | 2,748 |
| Net loans and leases to core deposits | 85.1081% | 2,801 |
| Total domestic deposits to total assets | 87.7262% | 1,875 |
| Equity capital to assets | 9.9494% | 3,814 |
| Core capital (leverage) ratio | 9.3044% | 4,335 |
| Tier 1 risk-based capital ratio | 11.7899% | 4,856 |
| Total risk-based capital ratio | 12.7242% | 4,946 |
| Memoranda: | ||
| Average total assets | $572,847,500 | 1,255 |
| Average earning assets | $523,309,500 | 1,264 |
| Average equity | $57,168,000 | 1,381 |
| Average total loans | $408,189,000 | 1,230 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0208% | 3,121 |
| Cost of funding earning assets | 0.5172% | 1,959 |
| Net interest margin | 3.5035% | 3,417 |
| Noninterest income to average assets | 0.5338% | 3,009 |
| Noninterest expense to average assets | 2.4327% | 4,203 |
| Loan and lease loss provision to assets | 0.0917% | 2,521 |
| Net operating income to assets | 1.2281% | 1,414 |
| Return on assets (ROA) | 1.2747% | 1,357 |
| Pretax return on assets | 1.2747% | 2,379 |
| Return on Equity (ROE) | 14.0009% | 773 |
| Retained earnings to average equity (ytd only) | 4.5092% | 2,693 |
| Net charge-offs to loans | 0.0011% | 4,246 |
| Credit loss provision to net charge-offs | 13,333.3333% | 31 |
| Earnings coverage of net charge-offs (x) | 1,919.3333% | 27 |
| Efficiency ratio | 64.8280% | 3,794 |
| Assets per employee ($millions) | 4.3538% | 3,355 |
| Cash dividends to net income (ytd only)* | 67.7936% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1321% | 3,539 |
| Loan loss allowance to noncurrent loans | 1,759.8958% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.4985% | 3,262 |
| Noncurrent loans to loans | 0.0643% | 4,983 |
| Net loans and leases to total assets | 67.1066% | 2,913 |
| Net loans and leases to deposits | 75.7952% | 3,337 |
| Net loans and leases to core deposits | 80.3956% | 3,362 |
| Total domestic deposits to total assets | 88.5367% | 1,363 |
| Equity capital to assets | 9.0744% | 4,740 |
| Core capital (leverage) ratio | 8.8788% | 4,880 |
| Tier 1 risk-based capital ratio | 11.7474% | 4,895 |
| Total risk-based capital ratio | 12.7656% | 4,949 |
| Memoranda: | ||
| Average total assets | $436,270,800 | 1,555 |
| Average earning assets | $400,795,800 | 1,561 |
| Average equity | $39,719,000 | 1,855 |
| Average total loans | $275,671,400 | 1,638 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9932% | 3,251 |
| Cost of funding earning assets | 0.5141% | 1,984 |
| Net interest margin | 3.4791% | 3,544 |
| Noninterest income to average assets | 0.5337% | 3,024 |
| Noninterest expense to average assets | 2.4225% | 4,217 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3066% | 1,272 |
| Return on assets (ROA) | 1.3244% | 1,311 |
| Pretax return on assets | 1.3244% | 2,336 |
| Return on Equity (ROE) | 14.5351% | 735 |
| Retained earnings to average equity (ytd only) | 7.9145% | 1,210 |
| Net charge-offs to loans | -0.0084% | 4,724 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9614% | 3,771 |
| Assets per employee ($millions) | 4.6246% | 2,883 |
| Cash dividends to net income (ytd only)* | 45.5491% | 2,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0539% | 4,099 |
| Loan loss allowance to noncurrent loans | 697.4419% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.5971% | 3,118 |
| Noncurrent loans to loans | 0.1511% | 4,742 |
| Net loans and leases to total assets | 63.4181% | 3,471 |
| Net loans and leases to deposits | 73.7612% | 3,620 |
| Net loans and leases to core deposits | 78.5403% | 3,608 |
| Total domestic deposits to total assets | 85.9777% | 2,368 |
| Equity capital to assets | 9.2686% | 4,896 |
| Core capital (leverage) ratio | 9.2200% | 4,560 |
| Tier 1 risk-based capital ratio | 12.3080% | 4,603 |
| Total risk-based capital ratio | 13.2410% | 4,697 |
| Memoranda: | ||
| Average total assets | $435,405,500 | 1,555 |
| Average earning assets | $399,901,750 | 1,570 |
| Average equity | $39,673,000 | 1,872 |
| Average total loans | $269,972,250 | 1,673 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9525% | 3,414 |
| Cost of funding earning assets | 0.5176% | 1,954 |
| Net interest margin | 3.4349% | 3,740 |
| Noninterest income to average assets | 0.5276% | 3,021 |
| Noninterest expense to average assets | 2.3979% | 4,338 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2872% | 1,313 |
| Return on assets (ROA) | 1.3127% | 1,333 |
| Pretax return on assets | 1.3127% | 2,356 |
| Return on Equity (ROE) | 14.4917% | 748 |
| Retained earnings to average equity (ytd only) | 7.3454% | 1,453 |
| Net charge-offs to loans | 0.0204% | 3,083 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 103.1111% | 559 |
| Efficiency ratio | 65.0690% | 3,834 |
| Assets per employee ($millions) | 4.5751% | 2,902 |
| Cash dividends to net income (ytd only)* | 49.3131% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0963% | 3,963 |
| Loan loss allowance to noncurrent loans | 278.2486% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 0.8359% | 2,502 |
| Noncurrent loans to loans | 0.3940% | 3,951 |
| Net loans and leases to total assets | 61.3363% | 3,704 |
| Net loans and leases to deposits | 70.4472% | 3,944 |
| Net loans and leases to core deposits | 74.8831% | 3,919 |
| Total domestic deposits to total assets | 87.0671% | 1,886 |
| Equity capital to assets | 9.2390% | 5,033 |
| Core capital (leverage) ratio | 8.9372% | 4,897 |
| Tier 1 risk-based capital ratio | 12.7344% | 4,363 |
| Total risk-based capital ratio | 13.7083% | 4,460 |
| Memoranda: | ||
| Average total assets | $432,553,000 | 1,572 |
| Average earning assets | $397,624,670 | 1,583 |
| Average equity | $39,181,000 | 1,892 |
| Average total loans | $265,112,330 | 1,699 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9740% | 3,317 |
| Cost of funding earning assets | 0.5119% | 2,009 |
| Net interest margin | 3.4621% | 3,612 |
| Noninterest income to average assets | 0.4978% | 3,132 |
| Noninterest expense to average assets | 2.3508% | 4,517 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3256% | 1,198 |
| Return on assets (ROA) | 1.3487% | 1,209 |
| Pretax return on assets | 1.3487% | 2,097 |
| Return on Equity (ROE) | 15.0413% | 663 |
| Retained earnings to average equity (ytd only) | 8.3218% | 1,334 |
| Net charge-offs to loans | 0.0502% | 2,038 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 43.3333% | 962 |
| Efficiency ratio | 63.9435% | 4,135 |
| Assets per employee ($millions) | 4.6071% | 2,887 |
| Cash dividends to net income (ytd only)* | 44.6735% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0990% | 4,055 |
| Loan loss allowance to noncurrent loans | 198.0524% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 0.8652% | 2,534 |
| Noncurrent loans to loans | 0.5549% | 3,521 |
| Net loans and leases to total assets | 60.6361% | 3,693 |
| Net loans and leases to deposits | 69.3967% | 3,911 |
| Net loans and leases to core deposits | 73.8613% | 3,907 |
| Total domestic deposits to total assets | 87.3761% | 2,013 |
| Equity capital to assets | 8.9664% | 5,202 |
| Core capital (leverage) ratio | 9.0093% | 4,844 |
| Tier 1 risk-based capital ratio | 12.3370% | 4,702 |
| Total risk-based capital ratio | 13.2938% | 4,802 |
| Memoranda: | ||
| Average total assets | $431,512,000 | 1,577 |
| Average earning assets | $396,171,000 | 1,584 |
| Average equity | $38,693,500 | 1,903 |
| Average total loans | $262,896,500 | 1,706 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9723% | 3,425 |
| Cost of funding earning assets | 0.5392% | 1,845 |
| Net interest margin | 3.4331% | 3,784 |
| Noninterest income to average assets | 0.5030% | 3,306 |
| Noninterest expense to average assets | 2.3889% | 4,539 |
| Loan and lease loss provision to assets | 0.1034% | 2,258 |
| Net operating income to assets | 1.1533% | 1,716 |
| Return on assets (ROA) | 1.1834% | 1,689 |
| Pretax return on assets | 1.1834% | 2,718 |
| Return on Equity (ROE) | 11.2806% | 1,519 |
| Retained earnings to average equity (ytd only) | -15.9855% | 6,097 |
| Net charge-offs to loans | 0.0556% | 3,104 |
| Credit loss provision to net charge-offs | 330.8271% | 911 |
| Earnings coverage of net charge-offs (x) | 40.2030% | 1,176 |
| Efficiency ratio | 65.5277% | 3,980 |
| Assets per employee ($millions) | 4.5250% | 2,999 |
| Cash dividends to net income (ytd only)* | 241.7080% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1583% | 3,714 |
| Loan loss allowance to noncurrent loans | 82.6955% | 4,068 |
| Noncurrent assets plus other real estate owned to assets | 1.3883% | 1,504 |
| Noncurrent loans to loans | 1.4006% | 1,669 |
| Net loans and leases to total assets | 59.8268% | 3,860 |
| Net loans and leases to deposits | 68.4415% | 4,089 |
| Net loans and leases to core deposits | 73.1893% | 4,024 |
| Total domestic deposits to total assets | 87.4131% | 1,919 |
| Equity capital to assets | 8.9675% | 5,156 |
| Core capital (leverage) ratio | 8.6910% | 5,229 |
| Tier 1 risk-based capital ratio | 12.5240% | 4,613 |
| Total risk-based capital ratio | 13.5274% | 4,675 |
| Memoranda: | ||
| Average total assets | $425,476,600 | 1,562 |
| Average earning assets | $389,476,600 | 1,565 |
| Average equity | $44,634,200 | 1,654 |
| Average total loans | $239,216,600 | 1,805 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8503% | 3,935 |
| Cost of funding earning assets | 0.5420% | 1,871 |
| Net interest margin | 3.3083% | 4,308 |
| Noninterest income to average assets | 0.5111% | 3,292 |
| Noninterest expense to average assets | 2.3942% | 4,531 |
| Loan and lease loss provision to assets | 0.0439% | 3,340 |
| Net operating income to assets | 1.1027% | 1,988 |
| Return on assets (ROA) | 1.1224% | 1,991 |
| Pretax return on assets | 1.1224% | 3,128 |
| Return on Equity (ROE) | 10.3247% | 1,960 |
| Retained earnings to average equity (ytd only) | 4.3582% | 3,369 |
| Net charge-offs to loans | 0.0625% | 2,700 |
| Credit loss provision to net charge-offs | 127.2727% | 1,904 |
| Earnings coverage of net charge-offs (x) | 33.2643% | 1,398 |
| Efficiency ratio | 67.6195% | 3,611 |
| Assets per employee ($millions) | 4.5507% | 2,920 |
| Cash dividends to net income (ytd only)* | 57.7889% | 1,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1040% | 4,202 |
| Loan loss allowance to noncurrent loans | 119.7963% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 1.0721% | 2,217 |
| Noncurrent loans to loans | 0.9216% | 2,675 |
| Net loans and leases to total assets | 56.0488% | 4,348 |
| Net loans and leases to deposits | 65.5871% | 4,421 |
| Net loans and leases to core deposits | 70.1321% | 4,357 |
| Total domestic deposits to total assets | 85.4571% | 2,803 |
| Equity capital to assets | 10.8942% | 3,133 |
| Core capital (leverage) ratio | 10.7829% | 2,736 |
| Tier 1 risk-based capital ratio | 15.8566% | 2,866 |
| Total risk-based capital ratio | 16.7926% | 2,957 |
| Memoranda: | ||
| Average total assets | $425,509,250 | 1,573 |
| Average earning assets | $389,671,500 | 1,575 |
| Average equity | $46,257,000 | 1,608 |
| Average total loans | $234,657,500 | 1,845 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8484% | 3,883 |
| Cost of funding earning assets | 0.5431% | 1,878 |
| Net interest margin | 3.3053% | 4,284 |
| Noninterest income to average assets | 0.4914% | 3,439 |
| Noninterest expense to average assets | 2.3736% | 4,644 |
| Loan and lease loss provision to assets | 0.0662% | 2,793 |
| Net operating income to assets | 1.0741% | 2,039 |
| Return on assets (ROA) | 1.0991% | 2,051 |
| Pretax return on assets | 1.0991% | 3,179 |
| Return on Equity (ROE) | 10.1181% | 2,017 |
| Retained earnings to average equity (ytd only) | 5.4636% | 2,557 |
| Net charge-offs to loans | 0.0043% | 3,751 |
| Credit loss provision to net charge-offs | 2,800.0000% | 151 |
| Earnings coverage of net charge-offs (x) | 482.6000% | 136 |
| Efficiency ratio | 67.5498% | 3,737 |
| Assets per employee ($millions) | 4.4787% | 3,017 |
| Cash dividends to net income (ytd only)* | 46.0017% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1797% | 3,906 |
| Loan loss allowance to noncurrent loans | 122.3335% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 1.1685% | 2,172 |
| Noncurrent loans to loans | 0.9644% | 2,721 |
| Net loans and leases to total assets | 54.7447% | 4,479 |
| Net loans and leases to deposits | 63.9983% | 4,536 |
| Net loans and leases to core deposits | 68.4869% | 4,455 |
| Total domestic deposits to total assets | 85.5408% | 2,901 |
| Equity capital to assets | 10.7960% | 3,110 |
| Core capital (leverage) ratio | 10.8117% | 2,602 |
| Tier 1 risk-based capital ratio | 16.6370% | 2,544 |
| Total risk-based capital ratio | 17.6629% | 2,610 |
| Memoranda: | ||
| Average total assets | $423,241,000 | 1,592 |
| Average earning assets | $387,020,330 | 1,599 |
| Average equity | $45,977,000 | 1,622 |
| Average total loans | $231,206,000 | 1,875 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8050% | 3,990 |
| Cost of funding earning assets | 0.5363% | 1,960 |
| Net interest margin | 3.2687% | 4,350 |
| Noninterest income to average assets | 0.4620% | 3,561 |
| Noninterest expense to average assets | 2.3892% | 4,629 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0689% | 1,974 |
| Return on assets (ROA) | 1.0717% | 2,086 |
| Pretax return on assets | 1.0717% | 3,207 |
| Return on Equity (ROE) | 9.8347% | 2,078 |
| Retained earnings to average equity (ytd only) | 5.0266% | 3,040 |
| Net charge-offs to loans | 0.0035% | 3,198 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 561.0000% | 96 |
| Efficiency ratio | 69.0909% | 3,640 |
| Assets per employee ($millions) | 4.4131% | 3,186 |
| Cash dividends to net income (ytd only)* | 48.8889% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1471% | 4,273 |
| Loan loss allowance to noncurrent loans | 62.0906% | 4,665 |
| Noncurrent assets plus other real estate owned to assets | 1.6806% | 1,499 |
| Noncurrent loans to loans | 1.8474% | 1,455 |
| Net loans and leases to total assets | 54.3732% | 4,398 |
| Net loans and leases to deposits | 63.1257% | 4,470 |
| Net loans and leases to core deposits | 67.5282% | 4,380 |
| Total domestic deposits to total assets | 86.1348% | 2,867 |
| Equity capital to assets | 10.9031% | 3,086 |
| Core capital (leverage) ratio | 10.8576% | 2,567 |
| Tier 1 risk-based capital ratio | 16.7341% | 2,584 |
| Total risk-based capital ratio | 17.7310% | 2,632 |
| Memoranda: | ||
| Average total assets | $419,883,500 | 1,613 |
| Average earning assets | $384,864,000 | 1,610 |
| Average equity | $45,756,500 | 1,631 |
| Average total loans | $227,715,000 | 1,892 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0255% | 3,622 |
| Cost of funding earning assets | 0.5683% | 2,059 |
| Net interest margin | 3.4572% | 3,952 |
| Noninterest income to average assets | 0.4955% | 3,547 |
| Noninterest expense to average assets | 2.3958% | 4,854 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.2695% | 1,371 |
| Return on assets (ROA) | 1.2683% | 1,429 |
| Pretax return on assets | 1.2683% | 2,355 |
| Return on Equity (ROE) | 11.7704% | 1,472 |
| Retained earnings to average equity (ytd only) | 5.6234% | 2,183 |
| Net charge-offs to loans | 0.0416% | 3,992 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 55.0532% | 851 |
| Efficiency ratio | 65.3638% | 4,348 |
| Assets per employee ($millions) | 4.4267% | 3,153 |
| Cash dividends to net income (ytd only)* | 52.2244% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2028% | 3,981 |
| Loan loss allowance to noncurrent loans | 88.6936% | 3,991 |
| Noncurrent assets plus other real estate owned to assets | 1.4552% | 1,888 |
| Noncurrent loans to loans | 1.3561% | 2,170 |
| Net loans and leases to total assets | 52.8048% | 4,715 |
| Net loans and leases to deposits | 61.0215% | 4,805 |
| Net loans and leases to core deposits | 65.2264% | 4,727 |
| Total domestic deposits to total assets | 86.5347% | 2,552 |
| Equity capital to assets | 10.8916% | 3,023 |
| Core capital (leverage) ratio | 10.7340% | 2,687 |
| Tier 1 risk-based capital ratio | 17.3622% | 2,369 |
| Total risk-based capital ratio | 18.4105% | 2,405 |
| Memoranda: | ||
| Average total assets | $407,634,400 | 1,621 |
| Average earning assets | $373,741,600 | 1,614 |
| Average equity | $43,923,800 | 1,647 |
| Average total loans | $225,692,200 | 1,859 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0589% | 3,526 |
| Cost of funding earning assets | 0.5660% | 2,137 |
| Net interest margin | 3.4929% | 3,863 |
| Noninterest income to average assets | 0.5093% | 3,489 |
| Noninterest expense to average assets | 2.4137% | 4,784 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2994% | 1,376 |
| Return on assets (ROA) | 1.2991% | 1,432 |
| Pretax return on assets | 1.2991% | 2,378 |
| Return on Equity (ROE) | 12.0893% | 1,457 |
| Retained earnings to average equity (ytd only) | 5.0518% | 3,048 |
| Net charge-offs to loans | 0.0618% | 3,326 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 37.6371% | 1,176 |
| Efficiency ratio | 65.0049% | 4,370 |
| Assets per employee ($millions) | 4.4368% | 3,073 |
| Cash dividends to net income (ytd only)* | 58.2131% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1765% | 4,352 |
| Loan loss allowance to noncurrent loans | 68.5538% | 4,521 |
| Noncurrent assets plus other real estate owned to assets | 1.6931% | 1,785 |
| Noncurrent loans to loans | 1.7162% | 1,893 |
| Net loans and leases to total assets | 54.2315% | 4,550 |
| Net loans and leases to deposits | 62.6145% | 4,685 |
| Net loans and leases to core deposits | 66.6909% | 4,644 |
| Total domestic deposits to total assets | 86.6117% | 2,520 |
| Equity capital to assets | 10.7617% | 3,224 |
| Core capital (leverage) ratio | 10.6990% | 2,820 |
| Tier 1 risk-based capital ratio | 16.8667% | 2,663 |
| Total risk-based capital ratio | 17.8999% | 2,703 |
| Memoranda: | ||
| Average total assets | $405,516,000 | 1,639 |
| Average earning assets | $371,950,500 | 1,635 |
| Average equity | $43,574,500 | 1,658 |
| Average total loans | $226,515,250 | 1,861 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0918% | 3,386 |
| Cost of funding earning assets | 0.5660% | 2,200 |
| Net interest margin | 3.5258% | 3,676 |
| Noninterest income to average assets | 0.5020% | 3,471 |
| Noninterest expense to average assets | 2.3743% | 4,961 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3603% | 1,159 |
| Return on assets (ROA) | 1.3603% | 1,201 |
| Pretax return on assets | 1.3603% | 2,037 |
| Return on Equity (ROE) | 12.6658% | 1,272 |
| Retained earnings to average equity (ytd only) | 7.1228% | 1,704 |
| Net charge-offs to loans | 0.0724% | 2,979 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 33.4390% | 1,183 |
| Efficiency ratio | 63.5760% | 4,756 |
| Assets per employee ($millions) | 4.4184% | 3,058 |
| Cash dividends to net income (ytd only)* | 43.7637% | 2,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1973% | 4,437 |
| Loan loss allowance to noncurrent loans | 87.7531% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 1.5207% | 2,141 |
| Noncurrent loans to loans | 1.3644% | 2,533 |
| Net loans and leases to total assets | 53.3882% | 4,606 |
| Net loans and leases to deposits | 61.5706% | 4,735 |
| Net loans and leases to core deposits | 65.6329% | 4,672 |
| Total domestic deposits to total assets | 86.7105% | 2,624 |
| Equity capital to assets | 10.6937% | 3,208 |
| Core capital (leverage) ratio | 10.7867% | 2,637 |
| Tier 1 risk-based capital ratio | 16.8100% | 2,704 |
| Total risk-based capital ratio | 17.8510% | 2,752 |
| Memoranda: | ||
| Average total assets | $403,148,000 | 1,649 |
| Average earning assets | $369,613,330 | 1,640 |
| Average equity | $43,297,670 | 1,652 |
| Average total loans | $226,542,330 | 1,853 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1041% | 3,264 |
| Cost of funding earning assets | 0.5640% | 2,304 |
| Net interest margin | 3.5401% | 3,521 |
| Noninterest income to average assets | 0.5208% | 3,260 |
| Noninterest expense to average assets | 2.3936% | 4,947 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3650% | 1,067 |
| Return on assets (ROA) | 1.3650% | 1,112 |
| Pretax return on assets | 1.3650% | 1,872 |
| Return on Equity (ROE) | 12.6815% | 1,241 |
| Retained earnings to average equity (ytd only) | 7.0661% | 2,015 |
| Net charge-offs to loans | 0.0018% | 3,643 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1,355.0000% | 16 |
| Efficiency ratio | 63.6827% | 4,908 |
| Assets per employee ($millions) | 4.2638% | 3,413 |
| Cash dividends to net income (ytd only)* | 44.2804% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2117% | 4,586 |
| Loan loss allowance to noncurrent loans | 99.8917% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 1.5240% | 2,322 |
| Noncurrent loans to loans | 1.2130% | 3,020 |
| Net loans and leases to total assets | 56.3079% | 4,107 |
| Net loans and leases to deposits | 65.0526% | 4,201 |
| Net loans and leases to core deposits | 69.5138% | 4,155 |
| Total domestic deposits to total assets | 86.5575% | 3,074 |
| Equity capital to assets | 10.8057% | 2,933 |
| Core capital (leverage) ratio | 10.8998% | 2,490 |
| Tier 1 risk-based capital ratio | 16.3824% | 2,957 |
| Total risk-based capital ratio | 17.4460% | 3,022 |
| Memoranda: | ||
| Average total assets | $397,058,000 | 1,678 |
| Average earning assets | $363,151,500 | 1,677 |
| Average equity | $42,739,500 | 1,665 |
| Average total loans | $227,602,000 | 1,842 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3161% | 2,894 |
| Cost of funding earning assets | 0.5915% | 2,746 |
| Net interest margin | 3.7247% | 2,956 |
| Noninterest income to average assets | 0.5386% | 3,489 |
| Noninterest expense to average assets | 2.3959% | 5,080 |
| Loan and lease loss provision to assets | 0.0698% | 3,728 |
| Net operating income to assets | 1.4516% | 910 |
| Return on assets (ROA) | 1.4268% | 1,011 |
| Pretax return on assets | 1.4268% | 1,697 |
| Return on Equity (ROE) | 13.2133% | 1,129 |
| Retained earnings to average equity (ytd only) | 4.4731% | 2,993 |
| Net charge-offs to loans | 0.0330% | 4,773 |
| Credit loss provision to net charge-offs | 369.8630% | 623 |
| Earnings coverage of net charge-offs (x) | 80.6027% | 546 |
| Efficiency ratio | 61.1617% | 5,339 |
| Assets per employee ($millions) | 4.3222% | 3,228 |
| Cash dividends to net income (ytd only)* | 66.1472% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2211% | 4,537 |
| Loan loss allowance to noncurrent loans | 106.2548% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 1.5969% | 2,327 |
| Noncurrent loans to loans | 1.1493% | 3,245 |
| Net loans and leases to total assets | 56.9478% | 4,197 |
| Net loans and leases to deposits | 65.7661% | 4,324 |
| Net loans and leases to core deposits | 70.3477% | 4,258 |
| Total domestic deposits to total assets | 86.5913% | 2,943 |
| Equity capital to assets | 10.7215% | 2,911 |
| Core capital (leverage) ratio | 10.6734% | 2,699 |
| Tier 1 risk-based capital ratio | 16.2720% | 2,979 |
| Total risk-based capital ratio | 17.3481% | 3,008 |
| Memoranda: | ||
| Average total assets | $386,750,600 | 1,702 |
| Average earning assets | $350,823,800 | 1,706 |
| Average equity | $41,761,000 | 1,679 |
| Average total loans | $221,544,400 | 1,848 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3541% | 2,762 |
| Cost of funding earning assets | 0.5871% | 2,927 |
| Net interest margin | 3.7670% | 2,774 |
| Noninterest income to average assets | 0.5532% | 3,433 |
| Noninterest expense to average assets | 2.4055% | 5,014 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.5597% | 812 |
| Return on assets (ROA) | 1.5680% | 847 |
| Pretax return on assets | 1.5680% | 1,422 |
| Return on Equity (ROE) | 14.4952% | 889 |
| Retained earnings to average equity (ytd only) | 3.9335% | 3,894 |
| Net charge-offs to loans | 0.0309% | 4,516 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 88.3312% | 545 |
| Efficiency ratio | 60.6653% | 5,333 |
| Assets per employee ($millions) | 4.2641% | 3,300 |
| Cash dividends to net income (ytd only)* | 72.8637% | 989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1119% | 5,278 |
| Loan loss allowance to noncurrent loans | 243.5749% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 1.3309% | 2,977 |
| Noncurrent loans to loans | 0.4565% | 5,050 |
| Net loans and leases to total assets | 56.5398% | 4,239 |
| Net loans and leases to deposits | 65.1830% | 4,385 |
| Net loans and leases to core deposits | 69.8362% | 4,340 |
| Total domestic deposits to total assets | 86.7401% | 2,830 |
| Equity capital to assets | 10.5300% | 3,244 |
| Core capital (leverage) ratio | 10.6894% | 2,803 |
| Tier 1 risk-based capital ratio | 15.9571% | 3,218 |
| Total risk-based capital ratio | 16.9331% | 3,322 |
| Memoranda: | ||
| Average total assets | $385,108,250 | 1,718 |
| Average earning assets | $348,808,000 | 1,731 |
| Average equity | $41,658,750 | 1,695 |
| Average total loans | $220,241,500 | 1,859 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4073% | 2,533 |
| Cost of funding earning assets | 0.5917% | 3,016 |
| Net interest margin | 3.8156% | 2,493 |
| Noninterest income to average assets | 0.5686% | 3,393 |
| Noninterest expense to average assets | 2.3835% | 5,100 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.6455% | 686 |
| Return on assets (ROA) | 1.6581% | 745 |
| Pretax return on assets | 1.6581% | 1,220 |
| Return on Equity (ROE) | 15.1877% | 778 |
| Retained earnings to average equity (ytd only) | 4.1369% | 3,653 |
| Net charge-offs to loans | -0.0238% | 6,027 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1590% | 5,587 |
| Assets per employee ($millions) | 4.3440% | 3,096 |
| Cash dividends to net income (ytd only)* | 72.7618% | 1,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1794% | 5,102 |
| Loan loss allowance to noncurrent loans | 267.8351% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 1.4848% | 2,877 |
| Noncurrent loans to loans | 0.4403% | 5,161 |
| Net loans and leases to total assets | 55.6814% | 4,344 |
| Net loans and leases to deposits | 63.2799% | 4,586 |
| Net loans and leases to core deposits | 67.7073% | 4,530 |
| Total domestic deposits to total assets | 87.9923% | 2,247 |
| Equity capital to assets | 10.5441% | 3,243 |
| Core capital (leverage) ratio | 10.9634% | 2,393 |
| Tier 1 risk-based capital ratio | 16.2028% | 3,084 |
| Total risk-based capital ratio | 17.2329% | 3,148 |
| Memoranda: | ||
| Average total assets | $381,290,000 | 1,733 |
| Average earning assets | $345,787,000 | 1,743 |
| Average equity | $41,625,670 | 1,702 |
| Average total loans | $218,076,330 | 1,873 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3534% | 2,677 |
| Cost of funding earning assets | 0.6112% | 2,998 |
| Net interest margin | 3.7422% | 2,689 |
| Noninterest income to average assets | 0.5546% | 3,404 |
| Noninterest expense to average assets | 2.4098% | 5,092 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.5471% | 769 |
| Return on assets (ROA) | 1.5726% | 807 |
| Pretax return on assets | 1.5726% | 1,370 |
| Return on Equity (ROE) | 14.1535% | 936 |
| Retained earnings to average equity (ytd only) | 8.4156% | 1,599 |
| Net charge-offs to loans | -0.0166% | 5,632 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9023% | 5,458 |
| Assets per employee ($millions) | 4.4086% | 3,140 |
| Cash dividends to net income (ytd only)* | 40.5405% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1753% | 5,294 |
| Loan loss allowance to noncurrent loans | 84.6507% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 2.1842% | 2,139 |
| Noncurrent loans to loans | 1.3884% | 3,482 |
| Net loans and leases to total assets | 57.2421% | 3,881 |
| Net loans and leases to deposits | 65.4637% | 4,127 |
| Net loans and leases to core deposits | 70.2834% | 4,045 |
| Total domestic deposits to total assets | 87.4410% | 2,665 |
| Equity capital to assets | 11.1324% | 2,810 |
| Core capital (leverage) ratio | 11.0531% | 2,220 |
| Tier 1 risk-based capital ratio | 16.3841% | 3,072 |
| Total risk-based capital ratio | 17.4185% | 3,122 |
| Memoranda: | ||
| Average total assets | $376,456,000 | 1,759 |
| Average earning assets | $342,258,500 | 1,766 |
| Average equity | $41,827,000 | 1,714 |
| Average total loans | $216,970,000 | 1,893 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6521% | 2,785 |
| Cost of funding earning assets | 0.7292% | 3,267 |
| Net interest margin | 3.9229% | 2,732 |
| Noninterest income to average assets | 0.6033% | 3,259 |
| Noninterest expense to average assets | 2.5483% | 4,933 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.6028% | 758 |
| Return on assets (ROA) | 1.6055% | 829 |
| Pretax return on assets | 1.6055% | 1,368 |
| Return on Equity (ROE) | 14.8713% | 832 |
| Retained earnings to average equity (ytd only) | 7.1793% | 1,483 |
| Net charge-offs to loans | 0.1710% | 4,008 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 16.2158% | 1,592 |
| Efficiency ratio | 61.3883% | 5,333 |
| Assets per employee ($millions) | 4.3462% | 3,263 |
| Cash dividends to net income (ytd only)* | 51.7241% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 5,111 |
| Loan loss allowance to noncurrent loans | 153.8278% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 1.9584% | 2,499 |
| Noncurrent loans to loans | 0.7801% | 4,623 |
| Net loans and leases to total assets | 56.6547% | 4,173 |
| Net loans and leases to deposits | 65.0649% | 4,413 |
| Net loans and leases to core deposits | 70.0634% | 4,300 |
| Total domestic deposits to total assets | 87.0740% | 2,802 |
| Equity capital to assets | 11.0888% | 2,847 |
| Core capital (leverage) ratio | 10.8517% | 2,387 |
| Tier 1 risk-based capital ratio | 16.3437% | 2,971 |
| Total risk-based capital ratio | 17.3943% | 3,031 |
| Memoranda: | ||
| Average total assets | $370,287,800 | 1,757 |
| Average earning assets | $334,881,800 | 1,771 |
| Average equity | $39,976,200 | 1,739 |
| Average total loans | $214,019,400 | 1,892 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6286% | 3,101 |
| Cost of funding earning assets | 0.7515% | 3,343 |
| Net interest margin | 3.8771% | 2,996 |
| Noninterest income to average assets | 0.6183% | 3,166 |
| Noninterest expense to average assets | 2.5163% | 5,024 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.5989% | 847 |
| Return on assets (ROA) | 1.5989% | 947 |
| Pretax return on assets | 1.5989% | 1,580 |
| Return on Equity (ROE) | 14.9123% | 921 |
| Retained earnings to average equity (ytd only) | 6.6651% | 2,303 |
| Net charge-offs to loans | 0.1577% | 3,858 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 17.5101% | 1,623 |
| Efficiency ratio | 61.1472% | 5,289 |
| Assets per employee ($millions) | 4.0893% | 3,701 |
| Cash dividends to net income (ytd only)* | 55.3048% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2720% | 4,939 |
| Loan loss allowance to noncurrent loans | 176.6447% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 2.3196% | 2,291 |
| Noncurrent loans to loans | 0.7201% | 4,991 |
| Net loans and leases to total assets | 56.6260% | 4,361 |
| Net loans and leases to deposits | 65.0542% | 4,586 |
| Net loans and leases to core deposits | 70.7878% | 4,399 |
| Total domestic deposits to total assets | 87.0444% | 2,642 |
| Equity capital to assets | 11.0509% | 3,208 |
| Core capital (leverage) ratio | 10.7961% | 2,608 |
| Tier 1 risk-based capital ratio | 16.2304% | 3,146 |
| Total risk-based capital ratio | 17.3417% | 3,191 |
| Memoranda: | ||
| Average total assets | $369,416,000 | 1,783 |
| Average earning assets | $333,197,750 | 1,802 |
| Average equity | $39,608,500 | 1,770 |
| Average total loans | $213,941,000 | 1,913 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6432% | 3,162 |
| Cost of funding earning assets | 0.7736% | 3,417 |
| Net interest margin | 3.8696% | 3,045 |
| Noninterest income to average assets | 0.6175% | 3,148 |
| Noninterest expense to average assets | 2.5160% | 5,086 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.5935% | 849 |
| Return on assets (ROA) | 1.5935% | 948 |
| Pretax return on assets | 1.5935% | 1,567 |
| Return on Equity (ROE) | 15.0150% | 936 |
| Retained earnings to average equity (ytd only) | 8.1368% | 1,592 |
| Net charge-offs to loans | 0.2178% | 3,271 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 12.5940% | 1,865 |
| Efficiency ratio | 61.2237% | 5,382 |
| Assets per employee ($millions) | 4.2630% | 3,335 |
| Cash dividends to net income (ytd only)* | 45.8093% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2644% | 5,063 |
| Loan loss allowance to noncurrent loans | 110.0977% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 2.4374% | 2,296 |
| Noncurrent loans to loans | 1.1484% | 4,234 |
| Net loans and leases to total assets | 56.9328% | 4,338 |
| Net loans and leases to deposits | 65.2009% | 4,616 |
| Net loans and leases to core deposits | 70.8577% | 4,432 |
| Total domestic deposits to total assets | 87.3191% | 2,584 |
| Equity capital to assets | 10.8315% | 3,311 |
| Core capital (leverage) ratio | 10.6087% | 2,703 |
| Tier 1 risk-based capital ratio | 15.8313% | 3,260 |
| Total risk-based capital ratio | 16.9335% | 3,306 |
| Memoranda: | ||
| Average total assets | $369,874,330 | 1,783 |
| Average earning assets | $333,779,670 | 1,802 |
| Average equity | $39,254,000 | 1,770 |
| Average total loans | $214,890,670 | 1,905 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5742% | 3,624 |
| Cost of funding earning assets | 0.7939% | 3,523 |
| Net interest margin | 3.7803% | 3,483 |
| Noninterest income to average assets | 0.6400% | 2,987 |
| Noninterest expense to average assets | 2.5232% | 5,078 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.5356% | 966 |
| Return on assets (ROA) | 1.5356% | 1,085 |
| Pretax return on assets | 1.5356% | 1,780 |
| Return on Equity (ROE) | 14.6204% | 1,057 |
| Retained earnings to average equity (ytd only) | 6.8875% | 2,486 |
| Net charge-offs to loans | 0.2414% | 2,726 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 10.9077% | 1,717 |
| Efficiency ratio | 62.1665% | 5,250 |
| Assets per employee ($millions) | 4.1465% | 3,697 |
| Cash dividends to net income (ytd only)* | 52.8914% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2851% | 5,088 |
| Loan loss allowance to noncurrent loans | 54.8866% | 4,799 |
| Noncurrent assets plus other real estate owned to assets | 3.0306% | 1,915 |
| Noncurrent loans to loans | 2.3414% | 2,758 |
| Net loans and leases to total assets | 57.7988% | 4,067 |
| Net loans and leases to deposits | 65.8843% | 4,396 |
| Net loans and leases to core deposits | 72.4616% | 4,080 |
| Total domestic deposits to total assets | 87.7276% | 2,510 |
| Equity capital to assets | 10.5092% | 3,479 |
| Core capital (leverage) ratio | 10.4721% | 2,781 |
| Tier 1 risk-based capital ratio | 15.2083% | 3,617 |
| Total risk-based capital ratio | 16.3374% | 3,657 |
| Memoranda: | ||
| Average total assets | $369,371,000 | 1,793 |
| Average earning assets | $334,048,500 | 1,808 |
| Average equity | $38,795,000 | 1,792 |
| Average total loans | $215,407,500 | 1,899 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9261% | 3,224 |
| Cost of funding earning assets | 0.9628% | 3,620 |
| Net interest margin | 3.9634% | 3,050 |
| Noninterest income to average assets | 0.5393% | 3,589 |
| Noninterest expense to average assets | 2.5647% | 5,229 |
| Loan and lease loss provision to assets | 0.1140% | 5,169 |
| Net operating income to assets | 1.4432% | 937 |
| Return on assets (ROA) | 1.4409% | 1,023 |
| Pretax return on assets | 1.4412% | 1,651 |
| Return on Equity (ROE) | 14.0067% | 925 |
| Retained earnings to average equity (ytd only) | 4.0346% | 3,322 |
| Net charge-offs to loans | 0.1633% | 4,844 |
| Credit loss provision to net charge-offs | 118.1034% | 2,718 |
| Earnings coverage of net charge-offs (x) | 16.1408% | 1,351 |
| Efficiency ratio | 62.2183% | 5,424 |
| Assets per employee ($millions) | 4.1073% | 3,633 |
| Cash dividends to net income (ytd only)* | 71.1949% | 1,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3838% | 4,541 |
| Loan loss allowance to noncurrent loans | 52.3241% | 4,898 |
| Noncurrent assets plus other real estate owned to assets | 3.2274% | 1,852 |
| Noncurrent loans to loans | 2.6447% | 2,457 |
| Net loans and leases to total assets | 57.2750% | 4,502 |
| Net loans and leases to deposits | 65.0538% | 4,865 |
| Net loans and leases to core deposits | 71.7801% | 4,558 |
| Total domestic deposits to total assets | 88.0425% | 2,126 |
| Equity capital to assets | 10.4967% | 3,540 |
| Core capital (leverage) ratio | 10.3080% | 2,961 |
| Tier 1 risk-based capital ratio | 15.2672% | 3,474 |
| Total risk-based capital ratio | 16.4737% | 3,463 |
| Memoranda: | ||
| Average total assets | $360,667,200 | 1,800 |
| Average earning assets | $326,036,600 | 1,815 |
| Average equity | $37,103,800 | 1,820 |
| Average total loans | $213,067,000 | 1,928 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9673% | 3,262 |
| Cost of funding earning assets | 0.9948% | 3,717 |
| Net interest margin | 3.9724% | 3,033 |
| Noninterest income to average assets | 0.5364% | 3,607 |
| Noninterest expense to average assets | 2.6166% | 5,018 |
| Loan and lease loss provision to assets | 0.1502% | 4,569 |
| Net operating income to assets | 1.3624% | 1,238 |
| Return on assets (ROA) | 1.3595% | 1,323 |
| Pretax return on assets | 1.3598% | 2,083 |
| Return on Equity (ROE) | 13.2833% | 1,211 |
| Retained earnings to average equity (ytd only) | 2.7726% | 4,705 |
| Net charge-offs to loans | 0.2151% | 4,094 |
| Credit loss provision to net charge-offs | 117.7326% | 2,773 |
| Earnings coverage of net charge-offs (x) | 11.8574% | 1,773 |
| Efficiency ratio | 63.3612% | 5,168 |
| Assets per employee ($millions) | 4.0562% | 3,723 |
| Cash dividends to net income (ytd only)* | 79.1269% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3949% | 4,583 |
| Loan loss allowance to noncurrent loans | 50.9368% | 4,953 |
| Noncurrent assets plus other real estate owned to assets | 3.3983% | 1,864 |
| Noncurrent loans to loans | 2.7385% | 2,557 |
| Net loans and leases to total assets | 56.8510% | 4,706 |
| Net loans and leases to deposits | 64.4579% | 5,110 |
| Net loans and leases to core deposits | 71.4088% | 4,787 |
| Total domestic deposits to total assets | 88.1987% | 1,928 |
| Equity capital to assets | 10.3566% | 3,885 |
| Core capital (leverage) ratio | 10.2109% | 3,179 |
| Tier 1 risk-based capital ratio | 14.9209% | 3,707 |
| Total risk-based capital ratio | 16.1214% | 3,711 |
| Memoranda: | ||
| Average total assets | $359,445,500 | 1,813 |
| Average earning assets | $325,134,750 | 1,830 |
| Average equity | $36,787,000 | 1,832 |
| Average total loans | $213,256,500 | 1,939 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0290% | 3,019 |
| Cost of funding earning assets | 1.0346% | 3,706 |
| Net interest margin | 3.9943% | 2,863 |
| Noninterest income to average assets | 0.5034% | 3,835 |
| Noninterest expense to average assets | 2.5768% | 5,273 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.5342% | 829 |
| Return on assets (ROA) | 1.5342% | 883 |
| Pretax return on assets | 1.5348% | 1,421 |
| Return on Equity (ROE) | 15.0521% | 797 |
| Retained earnings to average equity (ytd only) | 5.1747% | 2,893 |
| Net charge-offs to loans | 0.1475% | 4,306 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 17.3671% | 1,304 |
| Efficiency ratio | 62.6717% | 5,463 |
| Assets per employee ($millions) | 3.9623% | 3,838 |
| Cash dividends to net income (ytd only)* | 65.6216% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2841% | 5,132 |
| Loan loss allowance to noncurrent loans | 62.7193% | 4,307 |
| Noncurrent assets plus other real estate owned to assets | 3.1101% | 2,158 |
| Noncurrent loans to loans | 2.0473% | 3,415 |
| Net loans and leases to total assets | 57.9304% | 4,642 |
| Net loans and leases to deposits | 65.7542% | 5,033 |
| Net loans and leases to core deposits | 72.8524% | 4,731 |
| Total domestic deposits to total assets | 88.1015% | 2,079 |
| Equity capital to assets | 10.4388% | 3,590 |
| Core capital (leverage) ratio | 10.3402% | 2,892 |
| Tier 1 risk-based capital ratio | 14.8812% | 3,565 |
| Total risk-based capital ratio | 15.9847% | 3,621 |
| Memoranda: | ||
| Average total assets | $357,573,670 | 1,834 |
| Average earning assets | $323,009,330 | 1,844 |
| Average equity | $36,446,670 | 1,835 |
| Average total loans | $214,183,000 | 1,956 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9956% | 3,122 |
| Cost of funding earning assets | 1.0696% | 3,721 |
| Net interest margin | 3.9260% | 3,022 |
| Noninterest income to average assets | 0.5201% | 3,729 |
| Noninterest expense to average assets | 2.6623% | 4,988 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.4109% | 1,044 |
| Return on assets (ROA) | 1.4109% | 1,081 |
| Pretax return on assets | 1.4121% | 1,694 |
| Return on Equity (ROE) | 14.0138% | 991 |
| Retained earnings to average equity (ytd only) | 0.0669% | 5,768 |
| Net charge-offs to loans | 0.2729% | 2,979 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 8.5510% | 1,814 |
| Efficiency ratio | 65.3433% | 5,147 |
| Assets per employee ($millions) | 3.9867% | 3,863 |
| Cash dividends to net income (ytd only)* | 99.5223% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2765% | 5,259 |
| Loan loss allowance to noncurrent loans | 60.4074% | 4,400 |
| Noncurrent assets plus other real estate owned to assets | 3.1486% | 2,188 |
| Noncurrent loans to loans | 2.1131% | 3,428 |
| Net loans and leases to total assets | 58.1548% | 4,621 |
| Net loans and leases to deposits | 66.2692% | 4,935 |
| Net loans and leases to core deposits | 73.9351% | 4,537 |
| Total domestic deposits to total assets | 87.7553% | 2,516 |
| Equity capital to assets | 9.8954% | 3,905 |
| Core capital (leverage) ratio | 10.1927% | 2,936 |
| Tier 1 risk-based capital ratio | 14.3366% | 3,841 |
| Total risk-based capital ratio | 15.4317% | 3,921 |
| Memoranda: | ||
| Average total assets | $356,077,000 | 1,850 |
| Average earning assets | $322,366,500 | 1,866 |
| Average equity | $35,850,500 | 1,847 |
| Average total loans | $215,477,000 | 1,962 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5135% | 2,227 |
| Cost of funding earning assets | 1.3445% | 3,616 |
| Net interest margin | 4.1691% | 2,299 |
| Noninterest income to average assets | 0.3953% | 4,941 |
| Noninterest expense to average assets | 2.6093% | 5,378 |
| Loan and lease loss provision to assets | 0.0144% | 6,954 |
| Net operating income to assets | 1.5090% | 751 |
| Return on assets (ROA) | 1.5327% | 776 |
| Pretax return on assets | 1.5327% | 1,292 |
| Return on Equity (ROE) | 14.8061% | 746 |
| Retained earnings to average equity (ytd only) | 3.9611% | 3,094 |
| Net charge-offs to loans | 0.1928% | 5,142 |
| Credit loss provision to net charge-offs | 11.7096% | 6,604 |
| Earnings coverage of net charge-offs (x) | 12.3466% | 1,517 |
| Efficiency ratio | 63.1380% | 5,490 |
| Assets per employee ($millions) | 3.8818% | 4,046 |
| Cash dividends to net income (ytd only)* | 73.2466% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3234% | 4,881 |
| Loan loss allowance to noncurrent loans | 113.9065% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 3.0619% | 2,307 |
| Noncurrent loans to loans | 1.1618% | 4,781 |
| Net loans and leases to total assets | 61.3605% | 4,431 |
| Net loans and leases to deposits | 70.4119% | 4,763 |
| Net loans and leases to core deposits | 79.2454% | 4,314 |
| Total domestic deposits to total assets | 87.1451% | 2,748 |
| Equity capital to assets | 10.2476% | 3,445 |
| Core capital (leverage) ratio | 10.2740% | 2,794 |
| Tier 1 risk-based capital ratio | 14.3146% | 3,667 |
| Total risk-based capital ratio | 15.4665% | 3,684 |
| Memoranda: | ||
| Average total assets | $346,064,200 | 1,884 |
| Average earning assets | $310,237,800 | 1,916 |
| Average equity | $35,823,000 | 1,847 |
| Average total loans | $221,473,000 | 1,958 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5339% | 2,316 |
| Cost of funding earning assets | 1.3825% | 3,690 |
| Net interest margin | 4.1514% | 2,401 |
| Noninterest income to average assets | 0.3974% | 4,976 |
| Noninterest expense to average assets | 2.5871% | 5,373 |
| Loan and lease loss provision to assets | 0.0236% | 6,826 |
| Net operating income to assets | 1.5023% | 921 |
| Return on assets (ROA) | 1.5340% | 939 |
| Pretax return on assets | 1.5340% | 1,522 |
| Return on Equity (ROE) | 14.7812% | 898 |
| Retained earnings to average equity (ytd only) | 3.3939% | 4,061 |
| Net charge-offs to loans | 0.1977% | 4,759 |
| Credit loss provision to net charge-offs | 18.4848% | 6,264 |
| Earnings coverage of net charge-offs (x) | 11.9727% | 1,737 |
| Efficiency ratio | 62.9014% | 5,451 |
| Assets per employee ($millions) | 3.6822% | 4,546 |
| Cash dividends to net income (ytd only)* | 77.0393% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3458% | 4,729 |
| Loan loss allowance to noncurrent loans | 128.3117% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 3.0494% | 2,376 |
| Noncurrent loans to loans | 1.0488% | 5,146 |
| Net loans and leases to total assets | 62.1147% | 4,506 |
| Net loans and leases to deposits | 71.4950% | 4,910 |
| Net loans and leases to core deposits | 80.4934% | 4,451 |
| Total domestic deposits to total assets | 86.8798% | 2,592 |
| Equity capital to assets | 10.3993% | 3,641 |
| Core capital (leverage) ratio | 10.2830% | 2,940 |
| Tier 1 risk-based capital ratio | 13.9912% | 3,841 |
| Total risk-based capital ratio | 15.1757% | 3,852 |
| Memoranda: | ||
| Average total assets | $345,240,250 | 1,919 |
| Average earning assets | $308,994,250 | 1,957 |
| Average equity | $35,828,500 | 1,865 |
| Average total loans | $222,530,250 | 1,978 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5667% | 2,265 |
| Cost of funding earning assets | 1.4167% | 3,770 |
| Net interest margin | 4.1500% | 2,336 |
| Noninterest income to average assets | 0.3561% | 5,298 |
| Noninterest expense to average assets | 2.6085% | 5,287 |
| Loan and lease loss provision to assets | 0.0355% | 6,602 |
| Net operating income to assets | 1.4262% | 1,041 |
| Return on assets (ROA) | 1.4739% | 1,018 |
| Pretax return on assets | 1.4739% | 1,630 |
| Return on Equity (ROE) | 14.2122% | 997 |
| Retained earnings to average equity (ytd only) | 3.6358% | 3,789 |
| Net charge-offs to loans | 0.1881% | 4,483 |
| Credit loss provision to net charge-offs | 29.0476% | 5,749 |
| Earnings coverage of net charge-offs (x) | 11.9619% | 1,714 |
| Efficiency ratio | 64.0886% | 5,320 |
| Assets per employee ($millions) | 3.9128% | 3,940 |
| Cash dividends to net income (ytd only)* | 74.4177% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3911% | 4,468 |
| Loan loss allowance to noncurrent loans | 196.6837% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 2.9867% | 2,388 |
| Noncurrent loans to loans | 0.7073% | 5,835 |
| Net loans and leases to total assets | 62.7775% | 4,522 |
| Net loans and leases to deposits | 72.3402% | 4,937 |
| Net loans and leases to core deposits | 81.3065% | 4,515 |
| Total domestic deposits to total assets | 86.7810% | 2,659 |
| Equity capital to assets | 10.3856% | 3,539 |
| Core capital (leverage) ratio | 10.2727% | 2,867 |
| Tier 1 risk-based capital ratio | 13.8552% | 3,836 |
| Total risk-based capital ratio | 15.0840% | 3,814 |
| Memoranda: | ||
| Average total assets | $343,716,670 | 1,943 |
| Average earning assets | $307,615,330 | 1,977 |
| Average equity | $35,645,330 | 1,873 |
| Average total loans | $223,291,000 | 1,997 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7148% | 1,721 |
| Cost of funding earning assets | 1.4300% | 3,991 |
| Net interest margin | 4.2848% | 1,734 |
| Noninterest income to average assets | 0.2355% | 6,270 |
| Noninterest expense to average assets | 2.6194% | 5,270 |
| Loan and lease loss provision to assets | 0.0035% | 6,542 |
| Net operating income to assets | 1.4561% | 973 |
| Return on assets (ROA) | 1.5522% | 878 |
| Pretax return on assets | 1.5522% | 1,388 |
| Return on Equity (ROE) | 14.9783% | 882 |
| Retained earnings to average equity (ytd only) | 1.0739% | 5,385 |
| Net charge-offs to loans | 0.3534% | 2,991 |
| Credit loss provision to net charge-offs | 1.5152% | 5,113 |
| Earnings coverage of net charge-offs (x) | 6.2929% | 2,251 |
| Efficiency ratio | 64.2160% | 5,455 |
| Assets per employee ($millions) | 3.9106% | 4,069 |
| Cash dividends to net income (ytd only)* | 92.8302% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3763% | 4,537 |
| Loan loss allowance to noncurrent loans | 190.3509% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 3.2653% | 2,198 |
| Noncurrent loans to loans | 0.7230% | 5,876 |
| Net loans and leases to total assets | 63.2610% | 4,475 |
| Net loans and leases to deposits | 73.1605% | 4,874 |
| Net loans and leases to core deposits | 82.5976% | 4,407 |
| Total domestic deposits to total assets | 86.4688% | 2,913 |
| Equity capital to assets | 10.2714% | 3,507 |
| Core capital (leverage) ratio | 10.2661% | 2,849 |
| Tier 1 risk-based capital ratio | 13.6653% | 3,885 |
| Total risk-based capital ratio | 14.8785% | 3,868 |
| Memoranda: | ||
| Average total assets | $341,454,500 | 2,009 |
| Average earning assets | $306,291,000 | 2,041 |
| Average equity | $35,384,500 | 1,903 |
| Average total loans | $224,086,000 | 2,043 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9236% | 2,148 |
| Cost of funding earning assets | 1.8940% | 3,492 |
| Net interest margin | 4.0296% | 2,746 |
| Noninterest income to average assets | 0.2767% | 6,124 |
| Noninterest expense to average assets | 2.5071% | 6,098 |
| Loan and lease loss provision to assets | 0.1003% | 6,623 |
| Net operating income to assets | 1.3075% | 1,016 |
| Return on assets (ROA) | 1.3174% | 1,047 |
| Pretax return on assets | 1.3174% | 1,650 |
| Return on Equity (ROE) | 13.0724% | 945 |
| Retained earnings to average equity (ytd only) | 5.7275% | 1,460 |
| Net charge-offs to loans | 0.1624% | 5,656 |
| Credit loss provision to net charge-offs | 89.5288% | 6,014 |
| Earnings coverage of net charge-offs (x) | 12.5707% | 1,497 |
| Efficiency ratio | 64.0407% | 5,773 |
| Assets per employee ($millions) | 3.8065% | 4,275 |
| Cash dividends to net income (ytd only)* | 56.1860% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4215% | 4,115 |
| Loan loss allowance to noncurrent loans | 71.4317% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 3.2661% | 2,098 |
| Noncurrent loans to loans | 1.9900% | 3,661 |
| Net loans and leases to total assets | 66.1791% | 4,113 |
| Net loans and leases to deposits | 77.6274% | 4,448 |
| Net loans and leases to core deposits | 105.3576% | 3,412 |
| Total domestic deposits to total assets | 85.2523% | 3,431 |
| Equity capital to assets | 10.4558% | 3,234 |
| Core capital (leverage) ratio | 10.1928% | 2,893 |
| Tier 1 risk-based capital ratio | 13.5501% | 3,793 |
| Total risk-based capital ratio | 14.8006% | 3,735 |
| Memoranda: | ||
| Average total assets | $341,115,800 | 1,994 |
| Average earning assets | $307,973,000 | 2,021 |
| Average equity | $34,377,800 | 1,958 |
| Average total loans | $235,262,600 | 1,996 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9357% | 2,296 |
| Cost of funding earning assets | 2.0036% | 3,340 |
| Net interest margin | 3.9321% | 3,111 |
| Noninterest income to average assets | 0.3754% | 5,508 |
| Noninterest expense to average assets | 2.4169% | 6,360 |
| Loan and lease loss provision to assets | 0.0773% | 6,596 |
| Net operating income to assets | 1.4328% | 961 |
| Return on assets (ROA) | 1.4324% | 1,022 |
| Pretax return on assets | 1.4324% | 1,619 |
| Return on Equity (ROE) | 14.3464% | 867 |
| Retained earnings to average equity (ytd only) | 8.7775% | 900 |
| Net charge-offs to loans | 0.1400% | 5,305 |
| Credit loss provision to net charge-offs | 79.5181% | 5,776 |
| Earnings coverage of net charge-offs (x) | 15.5422% | 1,529 |
| Efficiency ratio | 61.5461% | 6,182 |
| Assets per employee ($millions) | 3.8312% | 4,121 |
| Cash dividends to net income (ytd only)* | 38.8177% | 2,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3900% | 4,000 |
| Loan loss allowance to noncurrent loans | 75.2452% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 3.1272% | 2,188 |
| Noncurrent loans to loans | 1.8473% | 3,848 |
| Net loans and leases to total assets | 66.2896% | 4,358 |
| Net loans and leases to deposits | 78.3843% | 4,684 |
| Net loans and leases to core deposits | 105.4264% | 3,767 |
| Total domestic deposits to total assets | 84.5701% | 3,444 |
| Equity capital to assets | 10.3723% | 3,653 |
| Core capital (leverage) ratio | 10.2360% | 3,032 |
| Tier 1 risk-based capital ratio | 13.3914% | 3,930 |
| Total risk-based capital ratio | 14.6415% | 3,868 |
| Memoranda: | ||
| Average total assets | $341,700,000 | 2,007 |
| Average earning assets | $308,633,000 | 2,037 |
| Average equity | $34,116,750 | 1,991 |
| Average total loans | $237,219,750 | 2,002 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0165% | 2,123 |
| Cost of funding earning assets | 2.1199% | 3,189 |
| Net interest margin | 3.8966% | 3,130 |
| Noninterest income to average assets | 0.3088% | 6,042 |
| Noninterest expense to average assets | 2.4012% | 6,455 |
| Loan and lease loss provision to assets | 0.1162% | 5,979 |
| Net operating income to assets | 1.3116% | 1,203 |
| Return on assets (ROA) | 1.3110% | 1,281 |
| Pretax return on assets | 1.3110% | 1,991 |
| Return on Equity (ROE) | 13.3046% | 1,121 |
| Retained earnings to average equity (ytd only) | 6.0058% | 2,019 |
| Net charge-offs to loans | 0.2125% | 4,185 |
| Credit loss provision to net charge-offs | 77.9528% | 5,251 |
| Earnings coverage of net charge-offs (x) | 9.5748% | 2,104 |
| Efficiency ratio | 62.7108% | 6,138 |
| Assets per employee ($millions) | 3.7829% | 4,141 |
| Cash dividends to net income (ytd only)* | 54.8589% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3712% | 3,877 |
| Loan loss allowance to noncurrent loans | 66.3983% | 4,104 |
| Noncurrent assets plus other real estate owned to assets | 3.1411% | 2,000 |
| Noncurrent loans to loans | 2.0651% | 3,428 |
| Net loans and leases to total assets | 67.9678% | 4,156 |
| Net loans and leases to deposits | 81.6552% | 4,279 |
| Net loans and leases to core deposits | 110.7505% | 3,300 |
| Total domestic deposits to total assets | 83.2375% | 4,130 |
| Equity capital to assets | 10.0709% | 3,849 |
| Core capital (leverage) ratio | 9.8378% | 3,467 |
| Tier 1 risk-based capital ratio | 12.8388% | 4,256 |
| Total risk-based capital ratio | 14.0825% | 4,180 |
| Memoranda: | ||
| Average total assets | $340,663,000 | 2,033 |
| Average earning assets | $307,752,330 | 2,069 |
| Average equity | $33,567,330 | 2,028 |
| Average total loans | $239,027,670 | 2,012 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0252% | 2,252 |
| Cost of funding earning assets | 2.2103% | 3,118 |
| Net interest margin | 3.8149% | 3,386 |
| Noninterest income to average assets | 0.1808% | 7,003 |
| Noninterest expense to average assets | 2.3676% | 6,308 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.2513% | 1,504 |
| Return on assets (ROA) | 1.2513% | 1,608 |
| Pretax return on assets | 1.2513% | 2,447 |
| Return on Equity (ROE) | 12.8405% | 1,431 |
| Retained earnings to average equity (ytd only) | -1.9152% | 6,083 |
| Net charge-offs to loans | 0.0415% | 4,906 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 42.6400% | 810 |
| Efficiency ratio | 65.4233% | 5,432 |
| Assets per employee ($millions) | 3.8249% | 4,029 |
| Cash dividends to net income (ytd only)* | 114.9156% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3535% | 3,778 |
| Loan loss allowance to noncurrent loans | 94.2269% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 2.7393% | 2,074 |
| Noncurrent loans to loans | 1.4364% | 4,149 |
| Net loans and leases to total assets | 68.7669% | 3,959 |
| Net loans and leases to deposits | 82.6502% | 4,184 |
| Net loans and leases to core deposits | 112.8723% | 3,121 |
| Total domestic deposits to total assets | 83.2023% | 4,049 |
| Equity capital to assets | 9.6507% | 4,455 |
| Core capital (leverage) ratio | 9.5707% | 3,906 |
| Tier 1 risk-based capital ratio | 12.0964% | 4,876 |
| Total risk-based capital ratio | 13.3219% | 4,795 |
| Memoranda: | ||
| Average total assets | $340,766,000 | 2,038 |
| Average earning assets | $307,109,000 | 2,079 |
| Average equity | $33,207,500 | 2,038 |
| Average total loans | $241,232,500 | 2,014 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6402% | 2,291 |
| Cost of funding earning assets | 2.8018% | 2,700 |
| Net interest margin | 3.8384% | 3,846 |
| Noninterest income to average assets | 0.6696% | 3,334 |
| Noninterest expense to average assets | 2.3378% | 6,597 |
| Loan and lease loss provision to assets | 0.8016% | 1,848 |
| Net operating income to assets | 1.0597% | 2,308 |
| Return on assets (ROA) | 1.0603% | 2,211 |
| Pretax return on assets | 1.0603% | 3,179 |
| Return on Equity (ROE) | 11.2983% | 1,817 |
| Retained earnings to average equity (ytd only) | 1.6933% | 4,200 |
| Net charge-offs to loans | 0.8167% | 1,533 |
| Credit loss provision to net charge-offs | 135.1925% | 3,945 |
| Earnings coverage of net charge-offs (x) | 3.1392% | 4,516 |
| Efficiency ratio | 55.6733% | 7,060 |
| Assets per employee ($millions) | 3.6268% | 4,346 |
| Cash dividends to net income (ytd only)* | 85.0124% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3497% | 3,479 |
| Loan loss allowance to noncurrent loans | 90.8662% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 2.7665% | 1,705 |
| Noncurrent loans to loans | 1.4854% | 3,576 |
| Net loans and leases to total assets | 70.9240% | 3,803 |
| Net loans and leases to deposits | 85.8283% | 4,140 |
| Net loans and leases to core deposits | 116.4152% | 3,075 |
| Total domestic deposits to total assets | 82.6347% | 3,933 |
| Equity capital to assets | 9.8411% | 4,237 |
| Core capital (leverage) ratio | 9.6886% | 3,782 |
| Tier 1 risk-based capital ratio | 12.0717% | 4,767 |
| Total risk-based capital ratio | 13.2980% | 4,667 |
| Memoranda: | ||
| Average total assets | $341,690,800 | 1,946 |
| Average earning assets | $314,190,800 | 1,940 |
| Average equity | $32,066,800 | 2,108 |
| Average total loans | $248,078,600 | 1,916 |