Home > Ballston Spa National Bank > Performance and Condition Ratios
Ballston Spa National Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8641% | 3,345 |
| Cost of funding earning assets | 1.8009% | 2,448 |
| Net interest margin | 3.0632% | 3,271 |
| Noninterest income to average assets | 0.3800% | 2,354 |
| Noninterest expense to average assets | 2.4575% | 2,431 |
| Loan and lease loss provision to assets | 0.0700% | 1,663 |
| Net operating income to assets | 0.6311% | 3,280 |
| Return on assets (ROA) | 0.6311% | 3,299 |
| Pretax return on assets | 0.7670% | 3,262 |
| Return on Equity (ROE) | 7.9500% | 2,872 |
| Retained earnings to average equity (ytd only) | 7.9469% | 1,696 |
| Net charge-offs to loans | 0.0318% | 1,384 |
| Credit loss provision to net charge-offs | 245.9016% | 805 |
| Earnings coverage of net charge-offs (x) | 30.6721% | 1,227 |
| Efficiency ratio | 74.6649% | 1,370 |
| Assets per employee ($millions) | 7.0759% | 2,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1183% | 2,615 |
| Loan loss allowance to noncurrent loans | 770.2052% | 852 |
| Noncurrent assets plus other real estate owned to assets | 0.1247% | 2,884 |
| Noncurrent loans to loans | 0.1452% | 2,971 |
| Net loans and leases to total assets | 84.9600% | 201 |
| Net loans and leases to deposits | 103.0119% | 303 |
| Net loans and leases to core deposits | 117.0828% | 631 |
| Total domestic deposits to total assets | 82.4700% | 3,221 |
| Equity capital to assets | 8.0394% | 3,572 |
| Core capital (leverage) ratio | 8.1078% | 4,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5943% | 2,589 |
| Memoranda: | ||
| Average total assets | $897,486,000 | 1,134 |
| Average earning assets | $853,350,500 | 1,109 |
| Average equity | $71,273,000 | 1,339 |
| Average total loans | $768,032,000 | 954 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8804% | 3,291 |
| Cost of funding earning assets | 1.9223% | 2,406 |
| Net interest margin | 2.9582% | 3,216 |
| Noninterest income to average assets | 0.4700% | 2,077 |
| Noninterest expense to average assets | 2.4697% | 2,388 |
| Loan and lease loss provision to assets | 0.0700% | 1,825 |
| Net operating income to assets | 0.5958% | 3,243 |
| Return on assets (ROA) | 0.5958% | 3,257 |
| Pretax return on assets | 0.7392% | 3,184 |
| Return on Equity (ROE) | 7.5500% | 2,883 |
| Retained earnings to average equity (ytd only) | 5.9780% | 1,835 |
| Net charge-offs to loans | 0.0176% | 2,281 |
| Credit loss provision to net charge-offs | 461.5385% | 678 |
| Earnings coverage of net charge-offs (x) | 53.5385% | 1,179 |
| Efficiency ratio | 75.3270% | 1,427 |
| Assets per employee ($millions) | 7.0577% | 2,125 |
| Cash dividends to net income (ytd only)* | 20.8545% | 2,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1185% | 2,602 |
| Loan loss allowance to noncurrent loans | 727.2340% | 928 |
| Noncurrent assets plus other real estate owned to assets | 0.1311% | 2,812 |
| Noncurrent loans to loans | 0.1538% | 2,906 |
| Net loans and leases to total assets | 84.2800% | 258 |
| Net loans and leases to deposits | 108.4687% | 200 |
| Net loans and leases to core deposits | 122.7545% | 522 |
| Total domestic deposits to total assets | 77.7000% | 3,814 |
| Equity capital to assets | 7.8432% | 3,603 |
| Core capital (leverage) ratio | 8.0093% | 4,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5110% | 2,653 |
| Memoranda: | ||
| Average total assets | $860,397,600 | 1,149 |
| Average earning assets | $817,529,000 | 1,118 |
| Average equity | $67,865,400 | 1,351 |
| Average total loans | $739,342,000 | 969 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8579% | 3,278 |
| Cost of funding earning assets | 1.8917% | 2,485 |
| Net interest margin | 2.9662% | 3,168 |
| Noninterest income to average assets | 0.4700% | 2,018 |
| Noninterest expense to average assets | 2.4688% | 2,348 |
| Loan and lease loss provision to assets | 0.0800% | 1,521 |
| Net operating income to assets | 0.5959% | 3,237 |
| Return on assets (ROA) | 0.5959% | 3,266 |
| Pretax return on assets | 0.7416% | 3,162 |
| Return on Equity (ROE) | 7.5400% | 2,877 |
| Retained earnings to average equity (ytd only) | 6.1296% | 2,046 |
| Net charge-offs to loans | 0.0078% | 2,373 |
| Credit loss provision to net charge-offs | 1,116.2791% | 376 |
| Earnings coverage of net charge-offs (x) | 121.3023% | 706 |
| Efficiency ratio | 75.1394% | 1,470 |
| Assets per employee ($millions) | 7.5607% | 1,770 |
| Cash dividends to net income (ytd only)* | 18.7385% | 2,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1252% | 2,617 |
| Loan loss allowance to noncurrent loans | 583.8820% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.1662% | 2,637 |
| Noncurrent loans to loans | 0.1927% | 2,772 |
| Net loans and leases to total assets | 85.3000% | 187 |
| Net loans and leases to deposits | 97.5864% | 615 |
| Net loans and leases to core deposits | 109.0622% | 978 |
| Total domestic deposits to total assets | 87.4100% | 1,455 |
| Equity capital to assets | 7.9077% | 3,767 |
| Core capital (leverage) ratio | 8.1173% | 4,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4753% | 2,693 |
| Memoranda: | ||
| Average total assets | $851,413,750 | 1,150 |
| Average earning assets | $809,143,250 | 1,127 |
| Average equity | $67,256,500 | 1,348 |
| Average total loans | $733,182,250 | 969 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8241% | 3,240 |
| Cost of funding earning assets | 1.8366% | 2,534 |
| Net interest margin | 2.9875% | 3,078 |
| Noninterest income to average assets | 0.4700% | 1,991 |
| Noninterest expense to average assets | 2.5173% | 2,192 |
| Loan and lease loss provision to assets | 0.0900% | 1,288 |
| Net operating income to assets | 0.5700% | 3,256 |
| Return on assets (ROA) | 0.5700% | 3,291 |
| Pretax return on assets | 0.7095% | 3,212 |
| Return on Equity (ROE) | 7.2200% | 2,948 |
| Retained earnings to average equity (ytd only) | 6.1451% | 1,958 |
| Net charge-offs to loans | 0.0055% | 2,238 |
| Credit loss provision to net charge-offs | 1,800.0000% | 252 |
| Earnings coverage of net charge-offs (x) | 167.5000% | 567 |
| Efficiency ratio | 76.0011% | 1,458 |
| Assets per employee ($millions) | 6.5032% | 2,404 |
| Cash dividends to net income (ytd only)* | 14.8626% | 2,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1353% | 2,579 |
| Loan loss allowance to noncurrent loans | 430.4859% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.2277% | 2,267 |
| Noncurrent loans to loans | 0.2637% | 2,428 |
| Net loans and leases to total assets | 85.3700% | 200 |
| Net loans and leases to deposits | 104.1868% | 362 |
| Net loans and leases to core deposits | 116.2898% | 752 |
| Total domestic deposits to total assets | 81.9400% | 3,093 |
| Equity capital to assets | 7.8515% | 3,529 |
| Core capital (leverage) ratio | 8.0806% | 4,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5065% | 2,688 |
| Memoranda: | ||
| Average total assets | $842,872,000 | 1,168 |
| Average earning assets | $801,137,000 | 1,138 |
| Average equity | $66,557,333 | 1,357 |
| Average total loans | $725,380,333 | 978 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7555% | 3,232 |
| Cost of funding earning assets | 1.7592% | 2,613 |
| Net interest margin | 2.9964% | 3,005 |
| Noninterest income to average assets | 0.5000% | 1,781 |
| Noninterest expense to average assets | 2.5554% | 2,091 |
| Loan and lease loss provision to assets | 0.0900% | 1,130 |
| Net operating income to assets | 0.5743% | 3,212 |
| Return on assets (ROA) | 0.5743% | 3,239 |
| Pretax return on assets | 0.7132% | 3,126 |
| Return on Equity (ROE) | 7.2500% | 2,891 |
| Retained earnings to average equity (ytd only) | 5.0925% | 2,370 |
| Net charge-offs to loans | 0.0061% | 1,877 |
| Credit loss provision to net charge-offs | 1,636.3636% | 243 |
| Earnings coverage of net charge-offs (x) | 151.7273% | 509 |
| Efficiency ratio | 76.1708% | 1,533 |
| Assets per employee ($millions) | 6.8463% | 2,173 |
| Cash dividends to net income (ytd only)* | 29.7748% | 1,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1357% | 2,627 |
| Loan loss allowance to noncurrent loans | 721.3473% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.1346% | 2,733 |
| Noncurrent loans to loans | 0.1574% | 2,833 |
| Net loans and leases to total assets | 84.5500% | 230 |
| Net loans and leases to deposits | 97.9513% | 591 |
| Net loans and leases to core deposits | 104.9643% | 1,156 |
| Total domestic deposits to total assets | 86.3100% | 1,993 |
| Equity capital to assets | 7.8260% | 3,480 |
| Core capital (leverage) ratio | 8.1447% | 4,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4849% | 2,715 |
| Memoranda: | ||
| Average total assets | $835,098,000 | 1,175 |
| Average earning assets | $794,695,000 | 1,141 |
| Average equity | $66,136,500 | 1,353 |
| Average total loans | $717,428,000 | 985 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4670% | 3,149 |
| Cost of funding earning assets | 1.3332% | 2,417 |
| Net interest margin | 3.1338% | 3,020 |
| Noninterest income to average assets | 0.4200% | 2,406 |
| Noninterest expense to average assets | 2.4501% | 2,446 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.7439% | 3,063 |
| Return on assets (ROA) | 0.6010% | 3,429 |
| Pretax return on assets | 0.7100% | 3,414 |
| Return on Equity (ROE) | 7.6100% | 3,125 |
| Retained earnings to average equity (ytd only) | -1.9467% | 4,267 |
| Net charge-offs to loans | 0.0100% | 2,274 |
| Credit loss provision to net charge-offs | 716.4179% | 519 |
| Earnings coverage of net charge-offs (x) | 113.0746% | 845 |
| Efficiency ratio | 72.3261% | 1,632 |
| Assets per employee ($millions) | 6.9001% | 2,139 |
| Cash dividends to net income (ytd only)* | 125.5919% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1393% | 2,607 |
| Loan loss allowance to noncurrent loans | 641.9714% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 0.1532% | 2,501 |
| Noncurrent loans to loans | 0.1775% | 2,631 |
| Net loans and leases to total assets | 85.3500% | 189 |
| Net loans and leases to deposits | 101.6264% | 452 |
| Net loans and leases to core deposits | 111.3802% | 905 |
| Total domestic deposits to total assets | 83.9800% | 2,622 |
| Equity capital to assets | 7.9990% | 3,419 |
| Core capital (leverage) ratio | 7.7403% | 4,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6195% | 2,682 |
| Memoranda: | ||
| Average total assets | $808,118,000 | 1,170 |
| Average earning assets | $765,276,000 | 1,149 |
| Average equity | $63,852,400 | 1,333 |
| Average total loans | $667,341,600 | 1,007 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2603% | 3,358 |
| Cost of funding earning assets | 1.1359% | 2,642 |
| Net interest margin | 3.1244% | 3,095 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 2.4369% | 2,418 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.6895% | 3,349 |
| Return on assets (ROA) | 0.6822% | 3,347 |
| Pretax return on assets | 0.8490% | 3,217 |
| Return on Equity (ROE) | 8.6600% | 3,018 |
| Retained earnings to average equity (ytd only) | -3.6511% | 4,386 |
| Net charge-offs to loans | 0.0142% | 1,885 |
| Credit loss provision to net charge-offs | 514.2857% | 617 |
| Earnings coverage of net charge-offs (x) | 79.1429% | 1,053 |
| Efficiency ratio | 72.6433% | 1,495 |
| Assets per employee ($millions) | 7.4555% | 1,667 |
| Cash dividends to net income (ytd only)* | 142.1564% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1627% | 2,558 |
| Loan loss allowance to noncurrent loans | 487.0178% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 0.1810% | 2,381 |
| Noncurrent loans to loans | 0.2387% | 2,395 |
| Net loans and leases to total assets | 74.9500% | 1,242 |
| Net loans and leases to deposits | 84.6243% | 1,689 |
| Net loans and leases to core deposits | 96.5280% | 1,529 |
| Total domestic deposits to total assets | 88.5600% | 1,390 |
| Equity capital to assets | 6.9209% | 3,650 |
| Core capital (leverage) ratio | 7.9725% | 4,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7729% | 2,675 |
| Memoranda: | ||
| Average total assets | $804,871,000 | 1,177 |
| Average earning assets | $761,174,000 | 1,153 |
| Average equity | $63,395,500 | 1,334 |
| Average total loans | $656,959,750 | 1,016 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2523% | 3,193 |
| Cost of funding earning assets | 0.9843% | 2,654 |
| Net interest margin | 3.2680% | 2,827 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 2.5394% | 2,098 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.7393% | 3,245 |
| Return on assets (ROA) | 0.7304% | 3,279 |
| Pretax return on assets | 0.9114% | 3,138 |
| Return on Equity (ROE) | 8.8500% | 3,025 |
| Retained earnings to average equity (ytd only) | -8.7513% | 4,494 |
| Net charge-offs to loans | 0.0154% | 1,625 |
| Credit loss provision to net charge-offs | 480.0000% | 668 |
| Earnings coverage of net charge-offs (x) | 76.0600% | 1,077 |
| Efficiency ratio | 72.0594% | 1,554 |
| Assets per employee ($millions) | 6.4389% | 2,340 |
| Cash dividends to net income (ytd only)* | 198.8302% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1704% | 2,588 |
| Loan loss allowance to noncurrent loans | 535.3102% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 0.1837% | 2,275 |
| Noncurrent loans to loans | 0.2186% | 2,393 |
| Net loans and leases to total assets | 83.0500% | 328 |
| Net loans and leases to deposits | 106.1792% | 300 |
| Net loans and leases to core deposits | 109.1211% | 864 |
| Total domestic deposits to total assets | 78.2200% | 3,823 |
| Equity capital to assets | 7.7319% | 3,384 |
| Core capital (leverage) ratio | 8.3266% | 4,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7895% | 2,684 |
| Memoranda: | ||
| Average total assets | $772,458,000 | 1,209 |
| Average earning assets | $732,260,333 | 1,185 |
| Average equity | $63,716,000 | 1,329 |
| Average total loans | $647,933,000 | 1,008 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1939% | 3,061 |
| Cost of funding earning assets | 0.8137% | 2,686 |
| Net interest margin | 3.3802% | 2,686 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 2.5881% | 1,989 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.7818% | 3,249 |
| Return on assets (ROA) | 0.7637% | 3,265 |
| Pretax return on assets | 0.9507% | 3,124 |
| Return on Equity (ROE) | 8.9600% | 3,060 |
| Retained earnings to average equity (ytd only) | 6.1569% | 2,721 |
| Net charge-offs to loans | 0.0157% | 1,380 |
| Credit loss provision to net charge-offs | 480.0000% | 566 |
| Earnings coverage of net charge-offs (x) | 78.7200% | 901 |
| Efficiency ratio | 71.4037% | 1,587 |
| Assets per employee ($millions) | 6.2747% | 2,525 |
| Cash dividends to net income (ytd only)* | 31.3103% | 1,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2025% | 2,539 |
| Loan loss allowance to noncurrent loans | 547.1086% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 0.1852% | 2,223 |
| Noncurrent loans to loans | 0.2198% | 2,378 |
| Net loans and leases to total assets | 83.2700% | 282 |
| Net loans and leases to deposits | 95.7619% | 663 |
| Net loans and leases to core deposits | 97.7809% | 1,191 |
| Total domestic deposits to total assets | 86.9500% | 2,286 |
| Equity capital to assets | 8.5929% | 2,816 |
| Core capital (leverage) ratio | 9.0929% | 3,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9301% | 2,415 |
| Memoranda: | ||
| Average total assets | $759,475,500 | 1,239 |
| Average earning assets | $721,614,000 | 1,209 |
| Average equity | $64,707,500 | 1,319 |
| Average total loans | $636,414,000 | 1,033 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5075% | 3,054 |
| Cost of funding earning assets | 0.2748% | 3,103 |
| Net interest margin | 3.2327% | 2,755 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 2.3999% | 2,425 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.9514% | 2,765 |
| Return on assets (ROA) | 0.8259% | 3,166 |
| Pretax return on assets | 0.9774% | 3,139 |
| Return on Equity (ROE) | 10.2800% | 2,725 |
| Retained earnings to average equity (ytd only) | 8.3431% | 1,700 |
| Net charge-offs to loans | 0.0163% | 1,791 |
| Credit loss provision to net charge-offs | 382.9787% | 795 |
| Earnings coverage of net charge-offs (x) | 95.6383% | 994 |
| Efficiency ratio | 67.1898% | 2,064 |
| Assets per employee ($millions) | 6.1777% | 2,617 |
| Cash dividends to net income (ytd only)* | 18.8763% | 2,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3299% | 1,758 |
| Loan loss allowance to noncurrent loans | 609.2701% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.1818% | 2,276 |
| Noncurrent loans to loans | 0.2183% | 2,398 |
| Net loans and leases to total assets | 82.1700% | 392 |
| Net loans and leases to deposits | 94.1251% | 773 |
| Net loans and leases to core deposits | 96.0992% | 1,201 |
| Total domestic deposits to total assets | 87.3000% | 2,292 |
| Equity capital to assets | 8.4432% | 2,743 |
| Core capital (leverage) ratio | 8.6575% | 3,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7623% | 2,464 |
| Memoranda: | ||
| Average total assets | $767,126,600 | 1,223 |
| Average earning assets | $729,695,600 | 1,186 |
| Average equity | $61,608,000 | 1,375 |
| Average total loans | $575,713,200 | 1,063 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2978% | 3,179 |
| Cost of funding earning assets | 0.1668% | 3,658 |
| Net interest margin | 3.1310% | 2,827 |
| Noninterest income to average assets | 0.6000% | 1,705 |
| Noninterest expense to average assets | 2.2968% | 2,636 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.9954% | 2,492 |
| Return on assets (ROA) | 0.8348% | 3,081 |
| Pretax return on assets | 1.0206% | 2,964 |
| Return on Equity (ROE) | 10.5300% | 2,559 |
| Retained earnings to average equity (ytd only) | 8.8790% | 1,687 |
| Net charge-offs to loans | 0.0076% | 1,857 |
| Credit loss provision to net charge-offs | 1,125.0000% | 379 |
| Earnings coverage of net charge-offs (x) | 230.9375% | 574 |
| Efficiency ratio | 64.2356% | 2,509 |
| Assets per employee ($millions) | 6.5509% | 2,279 |
| Cash dividends to net income (ytd only)* | 15.6509% | 2,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4133% | 1,566 |
| Loan loss allowance to noncurrent loans | 644.3678% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 0.1674% | 2,450 |
| Noncurrent loans to loans | 0.2193% | 2,515 |
| Net loans and leases to total assets | 75.2400% | 990 |
| Net loans and leases to deposits | 83.8939% | 1,308 |
| Net loans and leases to core deposits | 85.6068% | 1,548 |
| Total domestic deposits to total assets | 89.6900% | 1,789 |
| Equity capital to assets | 7.8868% | 2,965 |
| Core capital (leverage) ratio | 8.9037% | 3,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0516% | 2,458 |
| Memoranda: | ||
| Average total assets | $770,487,750 | 1,222 |
| Average earning assets | $733,031,500 | 1,195 |
| Average equity | $61,101,250 | 1,405 |
| Average total loans | $562,729,750 | 1,082 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1805% | 3,107 |
| Cost of funding earning assets | 0.1479% | 3,603 |
| Net interest margin | 3.0326% | 2,794 |
| Noninterest income to average assets | 0.5866% | 1,799 |
| Noninterest expense to average assets | 2.2823% | 2,600 |
| Loan and lease loss provision to assets | 0.0625% | 1,478 |
| Net operating income to assets | 0.9292% | 2,448 |
| Return on assets (ROA) | 0.7781% | 3,000 |
| Pretax return on assets | 0.9533% | 2,890 |
| Return on Equity (ROE) | 9.7943% | 2,407 |
| Retained earnings to average equity (ytd only) | 8.4888% | 1,443 |
| Net charge-offs to loans | 0.0130% | 1,524 |
| Credit loss provision to net charge-offs | 666.6667% | 529 |
| Earnings coverage of net charge-offs (x) | 127.9167% | 712 |
| Efficiency ratio | 65.5392% | 2,571 |
| Assets per employee ($millions) | 6.3280% | 2,461 |
| Cash dividends to net income (ytd only)* | 13.3289% | 2,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4268% | 1,649 |
| Loan loss allowance to noncurrent loans | 580.1821% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.1945% | 2,366 |
| Noncurrent loans to loans | 0.2459% | 2,504 |
| Net loans and leases to total assets | 77.9762% | 557 |
| Net loans and leases to deposits | 87.6370% | 866 |
| Net loans and leases to core deposits | 89.0088% | 1,175 |
| Total domestic deposits to total assets | 88.9763% | 2,197 |
| Equity capital to assets | 8.4132% | 2,827 |
| Core capital (leverage) ratio | 8.2862% | 4,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1316% | 2,440 |
| Memoranda: | ||
| Average total assets | $767,466,000 | 1,228 |
| Average earning assets | $732,846,333 | 1,206 |
| Average equity | $60,974,333 | 1,420 |
| Average total loans | $551,982,000 | 1,087 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9585% | 3,375 |
| Cost of funding earning assets | 0.1533% | 3,458 |
| Net interest margin | 2.8052% | 3,121 |
| Noninterest income to average assets | 0.3815% | 2,802 |
| Noninterest expense to average assets | 2.1868% | 2,877 |
| Loan and lease loss provision to assets | 0.0612% | 1,316 |
| Net operating income to assets | 0.6504% | 3,227 |
| Return on assets (ROA) | 0.6504% | 3,206 |
| Pretax return on assets | 0.8121% | 3,075 |
| Return on Equity (ROE) | 8.4182% | 2,547 |
| Retained earnings to average equity (ytd only) | 5.7904% | 2,321 |
| Net charge-offs to loans | 0.0112% | 1,353 |
| Credit loss provision to net charge-offs | 800.0000% | 392 |
| Earnings coverage of net charge-offs (x) | 114.1333% | 627 |
| Efficiency ratio | 71.4619% | 2,048 |
| Assets per employee ($millions) | 7.1648% | 1,882 |
| Cash dividends to net income (ytd only)* | 31.2157% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5096% | 1,527 |
| Loan loss allowance to noncurrent loans | 743.5059% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.1372% | 2,831 |
| Noncurrent loans to loans | 0.2030% | 2,807 |
| Net loans and leases to total assets | 66.5545% | 1,357 |
| Net loans and leases to deposits | 73.8328% | 1,620 |
| Net loans and leases to core deposits | 77.0876% | 1,696 |
| Total domestic deposits to total assets | 90.1422% | 1,482 |
| Equity capital to assets | 7.5300% | 3,912 |
| Core capital (leverage) ratio | 7.9665% | 4,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6546% | 2,363 |
| Memoranda: | ||
| Average total assets | $784,175,500 | 1,209 |
| Average earning assets | $748,751,000 | 1,192 |
| Average equity | $60,583,000 | 1,469 |
| Average total loans | $537,639,500 | 1,102 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3019% | 3,213 |
| Cost of funding earning assets | 0.1821% | 3,637 |
| Net interest margin | 3.1199% | 2,843 |
| Noninterest income to average assets | 0.6117% | 2,106 |
| Noninterest expense to average assets | 2.5699% | 1,954 |
| Loan and lease loss provision to assets | 0.1040% | 1,213 |
| Net operating income to assets | 0.6978% | 3,634 |
| Return on assets (ROA) | 0.6978% | 3,687 |
| Pretax return on assets | 0.9119% | 3,482 |
| Return on Equity (ROE) | 8.6739% | 3,025 |
| Retained earnings to average equity (ytd only) | 6.2823% | 2,236 |
| Net charge-offs to loans | 0.0095% | 2,214 |
| Credit loss provision to net charge-offs | 1,512.0000% | 379 |
| Earnings coverage of net charge-offs (x) | 147.7400% | 666 |
| Efficiency ratio | 71.6691% | 1,545 |
| Assets per employee ($millions) | 6.6599% | 2,187 |
| Cash dividends to net income (ytd only)* | 27.5719% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5161% | 1,498 |
| Loan loss allowance to noncurrent loans | 401.6402% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 0.2627% | 2,233 |
| Noncurrent loans to loans | 0.3775% | 2,235 |
| Net loans and leases to total assets | 68.5396% | 1,206 |
| Net loans and leases to deposits | 76.6529% | 1,516 |
| Net loans and leases to core deposits | 80.4421% | 1,559 |
| Total domestic deposits to total assets | 89.4155% | 1,288 |
| Equity capital to assets | 7.9307% | 4,396 |
| Core capital (leverage) ratio | 7.9071% | 4,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6889% | 2,367 |
| Memoranda: | ||
| Average total assets | $727,160,600 | 1,252 |
| Average earning assets | $693,168,600 | 1,231 |
| Average equity | $58,497,600 | 1,543 |
| Average total loans | $524,814,800 | 1,121 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3710% | 3,191 |
| Cost of funding earning assets | 0.1872% | 3,743 |
| Net interest margin | 3.1838% | 2,779 |
| Noninterest income to average assets | 0.6571% | 1,988 |
| Noninterest expense to average assets | 2.5702% | 1,928 |
| Loan and lease loss provision to assets | 0.1126% | 1,068 |
| Net operating income to assets | 0.7444% | 3,668 |
| Return on assets (ROA) | 0.7444% | 3,726 |
| Pretax return on assets | 1.0059% | 3,438 |
| Return on Equity (ROE) | 9.2190% | 3,034 |
| Retained earnings to average equity (ytd only) | 6.8211% | 2,485 |
| Net charge-offs to loans | 0.0135% | 1,824 |
| Credit loss provision to net charge-offs | 1,143.3962% | 475 |
| Earnings coverage of net charge-offs (x) | 113.5660% | 804 |
| Efficiency ratio | 69.6776% | 1,635 |
| Assets per employee ($millions) | 6.3919% | 2,344 |
| Cash dividends to net income (ytd only)* | 26.0110% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4989% | 1,637 |
| Loan loss allowance to noncurrent loans | 426.4120% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 0.2444% | 2,561 |
| Noncurrent loans to loans | 0.3515% | 2,520 |
| Net loans and leases to total assets | 68.4839% | 1,260 |
| Net loans and leases to deposits | 76.4789% | 1,625 |
| Net loans and leases to core deposits | 80.1721% | 1,712 |
| Total domestic deposits to total assets | 89.5462% | 985 |
| Equity capital to assets | 7.8177% | 4,601 |
| Core capital (leverage) ratio | 8.5969% | 3,927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6025% | 2,504 |
| Memoranda: | ||
| Average total assets | $717,477,500 | 1,284 |
| Average earning assets | $683,192,500 | 1,267 |
| Average equity | $57,936,750 | 1,585 |
| Average total loans | $522,763,250 | 1,143 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4285% | 3,088 |
| Cost of funding earning assets | 0.2012% | 3,736 |
| Net interest margin | 3.2273% | 2,672 |
| Noninterest income to average assets | 0.4944% | 2,644 |
| Noninterest expense to average assets | 2.5832% | 1,903 |
| Loan and lease loss provision to assets | 0.1212% | 1,047 |
| Net operating income to assets | 0.6705% | 3,829 |
| Return on assets (ROA) | 0.6705% | 3,893 |
| Pretax return on assets | 0.8608% | 3,745 |
| Return on Equity (ROE) | 8.2086% | 3,346 |
| Retained earnings to average equity (ytd only) | 5.9658% | 2,813 |
| Net charge-offs to loans | 0.0108% | 1,754 |
| Credit loss provision to net charge-offs | 1,521.4286% | 352 |
| Earnings coverage of net charge-offs (x) | 123.2857% | 662 |
| Efficiency ratio | 72.4567% | 1,386 |
| Assets per employee ($millions) | 5.6192% | 2,996 |
| Cash dividends to net income (ytd only)* | 27.3229% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4580% | 1,732 |
| Loan loss allowance to noncurrent loans | 396.3284% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.2814% | 2,515 |
| Noncurrent loans to loans | 0.3679% | 2,584 |
| Net loans and leases to total assets | 75.3882% | 644 |
| Net loans and leases to deposits | 85.3722% | 953 |
| Net loans and leases to core deposits | 89.9546% | 1,143 |
| Total domestic deposits to total assets | 88.3054% | 1,666 |
| Equity capital to assets | 8.3714% | 4,304 |
| Core capital (leverage) ratio | 8.3949% | 4,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3836% | 2,585 |
| Memoranda: | ||
| Average total assets | $703,093,000 | 1,299 |
| Average earning assets | $668,972,667 | 1,276 |
| Average equity | $57,427,667 | 1,585 |
| Average total loans | $520,738,667 | 1,148 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3958% | 3,212 |
| Cost of funding earning assets | 0.2017% | 3,896 |
| Net interest margin | 3.1941% | 2,722 |
| Noninterest income to average assets | 0.5080% | 2,574 |
| Noninterest expense to average assets | 2.5900% | 1,912 |
| Loan and lease loss provision to assets | 0.1206% | 1,138 |
| Net operating income to assets | 0.6745% | 3,772 |
| Return on assets (ROA) | 0.6745% | 3,838 |
| Pretax return on assets | 0.8377% | 3,745 |
| Return on Equity (ROE) | 8.3613% | 3,221 |
| Retained earnings to average equity (ytd only) | 5.5602% | 3,046 |
| Net charge-offs to loans | 0.0179% | 1,389 |
| Credit loss provision to net charge-offs | 926.0870% | 436 |
| Earnings coverage of net charge-offs (x) | 73.5652% | 739 |
| Efficiency ratio | 72.9928% | 1,405 |
| Assets per employee ($millions) | 6.0943% | 2,498 |
| Cash dividends to net income (ytd only)* | 33.5013% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4579% | 1,745 |
| Loan loss allowance to noncurrent loans | 306.7721% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 0.3400% | 2,438 |
| Noncurrent loans to loans | 0.4752% | 2,423 |
| Net loans and leases to total assets | 70.5079% | 1,227 |
| Net loans and leases to deposits | 79.4544% | 1,574 |
| Net loans and leases to core deposits | 83.1668% | 1,743 |
| Total domestic deposits to total assets | 88.7400% | 1,474 |
| Equity capital to assets | 7.9076% | 4,541 |
| Core capital (leverage) ratio | 8.3152% | 4,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3367% | 2,552 |
| Memoranda: | ||
| Average total assets | $706,249,000 | 1,277 |
| Average earning assets | $672,235,500 | 1,256 |
| Average equity | $56,976,500 | 1,584 |
| Average total loans | $514,576,500 | 1,159 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8031% | 3,292 |
| Cost of funding earning assets | 0.3786% | 3,721 |
| Net interest margin | 3.4245% | 2,693 |
| Noninterest income to average assets | 0.6873% | 1,904 |
| Noninterest expense to average assets | 2.8061% | 1,925 |
| Loan and lease loss provision to assets | 0.1823% | 2,122 |
| Net operating income to assets | 0.7780% | 3,174 |
| Return on assets (ROA) | 0.7781% | 3,300 |
| Pretax return on assets | 0.9411% | 3,248 |
| Return on Equity (ROE) | 9.1982% | 2,314 |
| Retained earnings to average equity (ytd only) | 7.3999% | 1,236 |
| Net charge-offs to loans | -0.0006% | 3,912 |
| Credit loss provision to net charge-offs | -38,900.0000% | 4,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4138% | 1,758 |
| Assets per employee ($millions) | 5.8244% | 2,519 |
| Cash dividends to net income (ytd only)* | 19.5504% | 3,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4452% | 1,792 |
| Loan loss allowance to noncurrent loans | 369.4389% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.2904% | 2,834 |
| Noncurrent loans to loans | 0.3912% | 2,808 |
| Net loans and leases to total assets | 73.1694% | 1,135 |
| Net loans and leases to deposits | 83.0033% | 1,545 |
| Net loans and leases to core deposits | 87.1528% | 1,781 |
| Total domestic deposits to total assets | 88.1523% | 1,407 |
| Equity capital to assets | 8.2362% | 4,608 |
| Core capital (leverage) ratio | 8.3357% | 4,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2386% | 2,537 |
| Memoranda: | ||
| Average total assets | $640,292,800 | 1,271 |
| Average earning assets | $606,158,000 | 1,250 |
| Average equity | $54,162,800 | 1,578 |
| Average total loans | $496,192,800 | 1,146 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8443% | 3,427 |
| Cost of funding earning assets | 0.4272% | 3,657 |
| Net interest margin | 3.4171% | 2,858 |
| Noninterest income to average assets | 0.6504% | 1,984 |
| Noninterest expense to average assets | 2.7515% | 2,115 |
| Loan and lease loss provision to assets | 0.1750% | 2,232 |
| Net operating income to assets | 0.7747% | 3,187 |
| Return on assets (ROA) | 0.7749% | 3,300 |
| Pretax return on assets | 0.9543% | 3,214 |
| Return on Equity (ROE) | 9.0949% | 2,361 |
| Retained earnings to average equity (ytd only) | 7.6634% | 1,431 |
| Net charge-offs to loans | 0.0081% | 2,823 |
| Credit loss provision to net charge-offs | 2,750.0000% | 367 |
| Earnings coverage of net charge-offs (x) | 177.4333% | 529 |
| Efficiency ratio | 70.9030% | 1,761 |
| Assets per employee ($millions) | 5.7527% | 2,494 |
| Cash dividends to net income (ytd only)* | 15.7405% | 2,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3792% | 1,831 |
| Loan loss allowance to noncurrent loans | 355.5104% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.2951% | 2,976 |
| Noncurrent loans to loans | 0.3879% | 2,902 |
| Net loans and leases to total assets | 75.0099% | 1,233 |
| Net loans and leases to deposits | 85.1404% | 1,794 |
| Net loans and leases to core deposits | 89.5999% | 2,009 |
| Total domestic deposits to total assets | 88.1014% | 1,175 |
| Equity capital to assets | 8.2901% | 4,582 |
| Core capital (leverage) ratio | 8.9622% | 3,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4481% | 2,439 |
| Memoranda: | ||
| Average total assets | $628,547,500 | 1,271 |
| Average earning assets | $594,178,750 | 1,249 |
| Average equity | $53,552,250 | 1,578 |
| Average total loans | $492,679,000 | 1,143 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9369% | 3,503 |
| Cost of funding earning assets | 0.5121% | 3,463 |
| Net interest margin | 3.4248% | 3,023 |
| Noninterest income to average assets | 0.5932% | 2,154 |
| Noninterest expense to average assets | 2.7156% | 2,339 |
| Loan and lease loss provision to assets | 0.1569% | 2,430 |
| Net operating income to assets | 0.7787% | 3,117 |
| Return on assets (ROA) | 0.7787% | 3,231 |
| Pretax return on assets | 0.9577% | 3,160 |
| Return on Equity (ROE) | 9.0517% | 2,339 |
| Retained earnings to average equity (ytd only) | 7.4581% | 1,477 |
| Net charge-offs to loans | 0.0115% | 2,548 |
| Credit loss provision to net charge-offs | 1,725.0000% | 550 |
| Earnings coverage of net charge-offs (x) | 122.5357% | 612 |
| Efficiency ratio | 70.8991% | 1,830 |
| Assets per employee ($millions) | 5.4576% | 2,681 |
| Cash dividends to net income (ytd only)* | 17.6053% | 2,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3172% | 1,918 |
| Loan loss allowance to noncurrent loans | 289.4394% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 0.3604% | 2,852 |
| Noncurrent loans to loans | 0.4551% | 2,785 |
| Net loans and leases to total assets | 78.1402% | 828 |
| Net loans and leases to deposits | 88.9450% | 1,455 |
| Net loans and leases to core deposits | 93.8213% | 1,756 |
| Total domestic deposits to total assets | 87.8522% | 1,259 |
| Equity capital to assets | 8.4775% | 4,491 |
| Core capital (leverage) ratio | 8.8127% | 4,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4350% | 2,428 |
| Memoranda: | ||
| Average total assets | $615,626,333 | 1,269 |
| Average earning assets | $581,875,333 | 1,252 |
| Average equity | $52,962,667 | 1,583 |
| Average total loans | $487,722,333 | 1,136 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0647% | 3,616 |
| Cost of funding earning assets | 0.6394% | 3,228 |
| Net interest margin | 3.4253% | 3,227 |
| Noninterest income to average assets | 0.4913% | 2,594 |
| Noninterest expense to average assets | 2.6946% | 2,718 |
| Loan and lease loss provision to assets | 0.0934% | 2,516 |
| Net operating income to assets | 0.7773% | 2,985 |
| Return on assets (ROA) | 0.7773% | 3,066 |
| Pretax return on assets | 0.9342% | 3,042 |
| Return on Equity (ROE) | 8.9656% | 2,122 |
| Retained earnings to average equity (ytd only) | 5.7505% | 1,976 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3942% | 2,021 |
| Assets per employee ($millions) | 5.5174% | 2,103 |
| Cash dividends to net income (ytd only)* | 35.8603% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3229% | 2,040 |
| Loan loss allowance to noncurrent loans | 517.1964% | 944 |
| Noncurrent assets plus other real estate owned to assets | 0.1968% | 3,702 |
| Noncurrent loans to loans | 0.2558% | 3,576 |
| Net loans and leases to total assets | 75.9268% | 1,319 |
| Net loans and leases to deposits | 86.1535% | 1,978 |
| Net loans and leases to core deposits | 92.2384% | 2,129 |
| Total domestic deposits to total assets | 88.1297% | 1,054 |
| Equity capital to assets | 8.4443% | 4,855 |
| Core capital (leverage) ratio | 8.9759% | 4,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1400% | 2,639 |
| Memoranda: | ||
| Average total assets | $604,171,500 | 1,253 |
| Average earning assets | $569,877,000 | 1,236 |
| Average equity | $52,378,000 | 1,589 |
| Average total loans | $478,777,000 | 1,131 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2778% | 3,602 |
| Cost of funding earning assets | 0.6490% | 3,415 |
| Net interest margin | 3.6288% | 3,043 |
| Noninterest income to average assets | 0.6018% | 2,206 |
| Noninterest expense to average assets | 3.0227% | 1,961 |
| Loan and lease loss provision to assets | 0.1301% | 1,649 |
| Net operating income to assets | 0.7055% | 3,857 |
| Return on assets (ROA) | 0.7055% | 3,918 |
| Pretax return on assets | 0.8590% | 3,856 |
| Return on Equity (ROE) | 7.9002% | 3,205 |
| Retained earnings to average equity (ytd only) | 6.4230% | 1,651 |
| Net charge-offs to loans | 0.0380% | 2,626 |
| Credit loss provision to net charge-offs | 421.5116% | 677 |
| Earnings coverage of net charge-offs (x) | 32.0407% | 1,519 |
| Efficiency ratio | 75.3456% | 1,439 |
| Assets per employee ($millions) | 4.9990% | 2,598 |
| Cash dividends to net income (ytd only)* | 18.6975% | 3,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2986% | 1,930 |
| Loan loss allowance to noncurrent loans | 350.9615% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 0.3254% | 3,114 |
| Noncurrent loans to loans | 0.3700% | 3,118 |
| Net loans and leases to total assets | 80.6366% | 711 |
| Net loans and leases to deposits | 105.6803% | 311 |
| Net loans and leases to core deposits | 109.7927% | 864 |
| Total domestic deposits to total assets | 76.3024% | 4,568 |
| Equity capital to assets | 8.9093% | 4,727 |
| Core capital (leverage) ratio | 9.4319% | 4,129 |
| Tier 1 risk-based capital ratio | 11.9213% | 4,408 |
| Total risk-based capital ratio | 13.1732% | 4,282 |
| Memoranda: | ||
| Average total assets | $557,185,600 | 1,293 |
| Average earning assets | $523,585,000 | 1,284 |
| Average equity | $49,758,400 | 1,612 |
| Average total loans | $452,747,800 | 1,151 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3074% | 3,635 |
| Cost of funding earning assets | 0.6234% | 3,564 |
| Net interest margin | 3.6839% | 2,974 |
| Noninterest income to average assets | 0.5905% | 2,258 |
| Noninterest expense to average assets | 2.9992% | 1,983 |
| Loan and lease loss provision to assets | 0.1308% | 1,479 |
| Net operating income to assets | 0.7465% | 3,859 |
| Return on assets (ROA) | 0.7465% | 3,922 |
| Pretax return on assets | 0.9210% | 3,816 |
| Return on Equity (ROE) | 8.3544% | 3,175 |
| Retained earnings to average equity (ytd only) | 7.0257% | 1,852 |
| Net charge-offs to loans | 0.0490% | 2,136 |
| Credit loss provision to net charge-offs | 329.2683% | 899 |
| Earnings coverage of net charge-offs (x) | 26.4697% | 1,742 |
| Efficiency ratio | 74.0355% | 1,562 |
| Assets per employee ($millions) | 4.8097% | 2,778 |
| Cash dividends to net income (ytd only)* | 15.9040% | 3,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3112% | 1,920 |
| Loan loss allowance to noncurrent loans | 452.2131% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 0.2542% | 3,553 |
| Noncurrent loans to loans | 0.2900% | 3,498 |
| Net loans and leases to total assets | 78.6089% | 1,045 |
| Net loans and leases to deposits | 89.8495% | 1,715 |
| Net loans and leases to core deposits | 92.6810% | 2,303 |
| Total domestic deposits to total assets | 87.4895% | 1,257 |
| Equity capital to assets | 8.8003% | 4,880 |
| Core capital (leverage) ratio | 9.5453% | 4,120 |
| Tier 1 risk-based capital ratio | 12.3594% | 4,218 |
| Total risk-based capital ratio | 13.6116% | 4,101 |
| Memoranda: | ||
| Average total assets | $550,261,500 | 1,309 |
| Average earning assets | $516,901,500 | 1,301 |
| Average equity | $49,170,750 | 1,631 |
| Average total loans | $446,476,250 | 1,172 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3216% | 3,576 |
| Cost of funding earning assets | 0.5755% | 3,767 |
| Net interest margin | 3.7461% | 2,769 |
| Noninterest income to average assets | 0.5975% | 2,170 |
| Noninterest expense to average assets | 2.9958% | 2,019 |
| Loan and lease loss provision to assets | 0.1330% | 1,401 |
| Net operating income to assets | 0.8121% | 3,608 |
| Return on assets (ROA) | 0.8121% | 3,668 |
| Pretax return on assets | 0.9921% | 3,576 |
| Return on Equity (ROE) | 9.0396% | 2,837 |
| Retained earnings to average equity (ytd only) | 8.0320% | 1,379 |
| Net charge-offs to loans | 0.0226% | 2,396 |
| Credit loss provision to net charge-offs | 720.0000% | 455 |
| Earnings coverage of net charge-offs (x) | 60.9000% | 971 |
| Efficiency ratio | 72.6979% | 1,813 |
| Assets per employee ($millions) | 4.3290% | 3,397 |
| Cash dividends to net income (ytd only)* | 11.1465% | 3,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3184% | 1,930 |
| Loan loss allowance to noncurrent loans | 319.7961% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.3683% | 3,041 |
| Noncurrent loans to loans | 0.4123% | 3,056 |
| Net loans and leases to total assets | 81.1527% | 708 |
| Net loans and leases to deposits | 99.2071% | 741 |
| Net loans and leases to core deposits | 103.3330% | 1,438 |
| Total domestic deposits to total assets | 81.8013% | 3,576 |
| Equity capital to assets | 9.1011% | 4,739 |
| Core capital (leverage) ratio | 9.6609% | 3,969 |
| Tier 1 risk-based capital ratio | 12.5200% | 4,114 |
| Total risk-based capital ratio | 13.7725% | 4,002 |
| Memoranda: | ||
| Average total assets | $541,293,670 | 1,331 |
| Average earning assets | $509,116,670 | 1,316 |
| Average equity | $48,630,330 | 1,640 |
| Average total loans | $442,058,000 | 1,180 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3196% | 3,501 |
| Cost of funding earning assets | 0.5300% | 3,917 |
| Net interest margin | 3.7896% | 2,567 |
| Noninterest income to average assets | 0.5899% | 2,097 |
| Noninterest expense to average assets | 2.9710% | 2,072 |
| Loan and lease loss provision to assets | 0.1341% | 1,297 |
| Net operating income to assets | 0.8625% | 3,388 |
| Return on assets (ROA) | 0.8625% | 3,438 |
| Pretax return on assets | 1.0420% | 3,306 |
| Return on Equity (ROE) | 9.6646% | 2,515 |
| Retained earnings to average equity (ytd only) | 9.6646% | 1,118 |
| Net charge-offs to loans | 0.0540% | 1,513 |
| Credit loss provision to net charge-offs | 305.0847% | 812 |
| Earnings coverage of net charge-offs (x) | 26.7627% | 1,396 |
| Efficiency ratio | 71.6415% | 2,090 |
| Assets per employee ($millions) | 4.5178% | 3,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3017% | 2,083 |
| Loan loss allowance to noncurrent loans | 300.3122% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 0.3844% | 3,049 |
| Noncurrent loans to loans | 0.4334% | 3,029 |
| Net loans and leases to total assets | 80.7303% | 754 |
| Net loans and leases to deposits | 98.7828% | 722 |
| Net loans and leases to core deposits | 100.5251% | 1,571 |
| Total domestic deposits to total assets | 81.7251% | 3,796 |
| Equity capital to assets | 9.0102% | 4,675 |
| Core capital (leverage) ratio | 9.6439% | 3,977 |
| Tier 1 risk-based capital ratio | 12.5924% | 4,108 |
| Total risk-based capital ratio | 13.8447% | 3,984 |
| Memoranda: | ||
| Average total assets | $537,049,500 | 1,345 |
| Average earning assets | $504,120,500 | 1,335 |
| Average equity | $47,927,500 | 1,645 |
| Average total loans | $437,025,000 | 1,195 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2461% | 3,290 |
| Cost of funding earning assets | 0.3411% | 4,339 |
| Net interest margin | 3.9050% | 2,311 |
| Noninterest income to average assets | 0.7140% | 1,790 |
| Noninterest expense to average assets | 3.1086% | 1,780 |
| Loan and lease loss provision to assets | 0.1571% | 1,319 |
| Net operating income to assets | 0.8908% | 3,467 |
| Return on assets (ROA) | 0.8908% | 3,461 |
| Pretax return on assets | 1.1028% | 3,258 |
| Return on Equity (ROE) | 10.8731% | 2,142 |
| Retained earnings to average equity (ytd only) | 7.4923% | 1,461 |
| Net charge-offs to loans | -0.0024% | 4,258 |
| Credit loss provision to net charge-offs | -8,030.0000% | 4,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1593% | 2,022 |
| Assets per employee ($millions) | 4.4331% | 3,263 |
| Cash dividends to net income (ytd only)* | 31.0935% | 2,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3125% | 1,981 |
| Loan loss allowance to noncurrent loans | 196.7967% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 0.5399% | 2,435 |
| Noncurrent loans to loans | 0.6670% | 2,327 |
| Net loans and leases to total assets | 79.8849% | 957 |
| Net loans and leases to deposits | 101.2029% | 653 |
| Net loans and leases to core deposits | 103.1316% | 1,496 |
| Total domestic deposits to total assets | 78.9354% | 4,323 |
| Equity capital to assets | 8.8366% | 4,703 |
| Core capital (leverage) ratio | 9.6761% | 3,924 |
| Tier 1 risk-based capital ratio | 12.9582% | 3,869 |
| Total risk-based capital ratio | 14.2109% | 3,756 |
| Memoranda: | ||
| Average total assets | $511,222,400 | 1,377 |
| Average earning assets | $478,435,200 | 1,366 |
| Average equity | $41,883,200 | 1,786 |
| Average total loans | $411,541,600 | 1,224 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2405% | 3,175 |
| Cost of funding earning assets | 0.3283% | 4,318 |
| Net interest margin | 3.9122% | 2,249 |
| Noninterest income to average assets | 0.7636% | 1,613 |
| Noninterest expense to average assets | 3.0737% | 1,832 |
| Loan and lease loss provision to assets | 0.1273% | 1,579 |
| Net operating income to assets | 0.9728% | 3,203 |
| Return on assets (ROA) | 0.9728% | 3,217 |
| Pretax return on assets | 1.2207% | 2,909 |
| Return on Equity (ROE) | 12.1239% | 1,748 |
| Retained earnings to average equity (ytd only) | 9.2013% | 1,156 |
| Net charge-offs to loans | -0.0013% | 4,038 |
| Credit loss provision to net charge-offs | -12,075.0000% | 4,916 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5150% | 2,271 |
| Assets per employee ($millions) | 4.5081% | 3,114 |
| Cash dividends to net income (ytd only)* | 24.1063% | 2,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2598% | 2,310 |
| Loan loss allowance to noncurrent loans | 149.0487% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 0.6894% | 2,135 |
| Noncurrent loans to loans | 0.8453% | 2,016 |
| Net loans and leases to total assets | 80.5318% | 942 |
| Net loans and leases to deposits | 94.6185% | 1,311 |
| Net loans and leases to core deposits | 96.2756% | 2,087 |
| Total domestic deposits to total assets | 85.1121% | 2,566 |
| Equity capital to assets | 9.1400% | 4,428 |
| Core capital (leverage) ratio | 9.8434% | 3,801 |
| Tier 1 risk-based capital ratio | 12.7349% | 4,061 |
| Total risk-based capital ratio | 13.9864% | 3,958 |
| Memoranda: | ||
| Average total assets | $506,036,000 | 1,402 |
| Average earning assets | $473,171,000 | 1,381 |
| Average equity | $40,602,000 | 1,833 |
| Average total loans | $406,773,500 | 1,238 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2053% | 3,098 |
| Cost of funding earning assets | 0.3003% | 4,414 |
| Net interest margin | 3.9050% | 2,186 |
| Noninterest income to average assets | 0.8336% | 1,373 |
| Noninterest expense to average assets | 3.1106% | 1,759 |
| Loan and lease loss provision to assets | 0.1243% | 1,594 |
| Net operating income to assets | 1.0153% | 2,954 |
| Return on assets (ROA) | 1.0153% | 2,962 |
| Pretax return on assets | 1.2568% | 2,695 |
| Return on Equity (ROE) | 13.2913% | 1,268 |
| Retained earnings to average equity (ytd only) | 10.2971% | 844 |
| Net charge-offs to loans | -0.0035% | 4,035 |
| Credit loss provision to net charge-offs | -4,457.1429% | 4,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2512% | 2,438 |
| Assets per employee ($millions) | 3.8358% | 4,155 |
| Cash dividends to net income (ytd only)* | 22.5275% | 2,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2650% | 2,350 |
| Loan loss allowance to noncurrent loans | 167.3046% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 0.6135% | 2,387 |
| Noncurrent loans to loans | 0.7561% | 2,226 |
| Net loans and leases to total assets | 80.1211% | 997 |
| Net loans and leases to deposits | 95.5537% | 1,190 |
| Net loans and leases to core deposits | 96.5421% | 2,009 |
| Total domestic deposits to total assets | 83.8493% | 3,121 |
| Equity capital to assets | 7.7601% | 5,303 |
| Core capital (leverage) ratio | 8.1817% | 5,274 |
| Tier 1 risk-based capital ratio | 10.5607% | 5,245 |
| Total risk-based capital ratio | 11.8118% | 5,146 |
| Memoranda: | ||
| Average total assets | $501,903,000 | 1,409 |
| Average earning assets | $470,168,000 | 1,394 |
| Average equity | $38,341,000 | 1,941 |
| Average total loans | $401,420,670 | 1,255 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2222% | 2,811 |
| Cost of funding earning assets | 0.2817% | 4,495 |
| Net interest margin | 3.9405% | 1,899 |
| Noninterest income to average assets | 0.7225% | 1,732 |
| Noninterest expense to average assets | 3.1666% | 1,650 |
| Loan and lease loss provision to assets | 0.1244% | 1,513 |
| Net operating income to assets | 0.9027% | 3,275 |
| Return on assets (ROA) | 0.9027% | 3,281 |
| Pretax return on assets | 1.1236% | 3,077 |
| Return on Equity (ROE) | 11.9112% | 1,611 |
| Retained earnings to average equity (ytd only) | 9.3333% | 1,350 |
| Net charge-offs to loans | -0.0060% | 4,068 |
| Credit loss provision to net charge-offs | -2,600.0000% | 4,345 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7305% | 2,231 |
| Assets per employee ($millions) | 4.0010% | 3,973 |
| Cash dividends to net income (ytd only)* | 21.6431% | 2,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2501% | 2,519 |
| Loan loss allowance to noncurrent loans | 126.8967% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 0.7817% | 2,012 |
| Noncurrent loans to loans | 0.9851% | 1,853 |
| Net loans and leases to total assets | 78.3622% | 1,181 |
| Net loans and leases to deposits | 91.6051% | 1,494 |
| Net loans and leases to core deposits | 92.3665% | 2,270 |
| Total domestic deposits to total assets | 85.5436% | 2,735 |
| Equity capital to assets | 7.5632% | 5,398 |
| Core capital (leverage) ratio | 8.0661% | 5,374 |
| Tier 1 risk-based capital ratio | 10.8092% | 5,244 |
| Total risk-based capital ratio | 12.0607% | 5,133 |
| Memoranda: | ||
| Average total assets | $501,608,500 | 1,419 |
| Average earning assets | $469,989,000 | 1,408 |
| Average equity | $38,014,500 | 1,951 |
| Average total loans | $398,251,000 | 1,264 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9406% | 3,608 |
| Cost of funding earning assets | 0.1943% | 4,994 |
| Net interest margin | 3.7463% | 2,618 |
| Noninterest income to average assets | 0.6000% | 2,449 |
| Noninterest expense to average assets | 3.1842% | 1,645 |
| Loan and lease loss provision to assets | 0.1703% | 1,288 |
| Net operating income to assets | 0.6069% | 3,978 |
| Return on assets (ROA) | 0.6072% | 4,012 |
| Pretax return on assets | 0.7509% | 4,385 |
| Return on Equity (ROE) | 7.7222% | 2,936 |
| Retained earnings to average equity (ytd only) | 4.6322% | 2,370 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5701% | 1,414 |
| Assets per employee ($millions) | 4.0249% | 3,920 |
| Cash dividends to net income (ytd only)* | 40.0140% | 2,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2206% | 2,660 |
| Loan loss allowance to noncurrent loans | 135.0167% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 0.7460% | 2,103 |
| Noncurrent loans to loans | 0.9040% | 1,970 |
| Net loans and leases to total assets | 78.4662% | 1,222 |
| Net loans and leases to deposits | 96.4336% | 1,045 |
| Net loans and leases to core deposits | 97.2377% | 1,918 |
| Total domestic deposits to total assets | 81.3681% | 4,033 |
| Equity capital to assets | 7.5940% | 5,524 |
| Core capital (leverage) ratio | 8.0415% | 5,425 |
| Tier 1 risk-based capital ratio | 10.6447% | 5,320 |
| Total risk-based capital ratio | 11.8954% | 5,211 |
| Memoranda: | ||
| Average total assets | $469,189,800 | 1,480 |
| Average earning assets | $438,968,200 | 1,477 |
| Average equity | $36,893,800 | 1,987 |
| Average total loans | $364,241,000 | 1,330 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9306% | 3,581 |
| Cost of funding earning assets | 0.1845% | 5,106 |
| Net interest margin | 3.7461% | 2,589 |
| Noninterest income to average assets | 0.5747% | 2,610 |
| Noninterest expense to average assets | 3.1638% | 1,648 |
| Loan and lease loss provision to assets | 0.1354% | 1,595 |
| Net operating income to assets | 0.5774% | 4,470 |
| Return on assets (ROA) | 0.5778% | 4,510 |
| Pretax return on assets | 0.7823% | 4,397 |
| Return on Equity (ROE) | 7.2811% | 3,502 |
| Retained earnings to average equity (ytd only) | 4.1773% | 3,415 |
| Net charge-offs to loans | 0.0015% | 3,724 |
| Credit loss provision to net charge-offs | 11,725.0000% | 40 |
| Earnings coverage of net charge-offs (x) | 794.4765% | 132 |
| Efficiency ratio | 77.5262% | 1,394 |
| Assets per employee ($millions) | 3.9022% | 4,157 |
| Cash dividends to net income (ytd only)* | 42.6286% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1603% | 3,143 |
| Loan loss allowance to noncurrent loans | 130.9212% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 0.7764% | 2,196 |
| Noncurrent loans to loans | 0.8862% | 2,161 |
| Net loans and leases to total assets | 79.3109% | 1,082 |
| Net loans and leases to deposits | 89.0785% | 1,915 |
| Net loans and leases to core deposits | 89.8416% | 2,625 |
| Total domestic deposits to total assets | 89.0348% | 866 |
| Equity capital to assets | 7.6996% | 5,595 |
| Core capital (leverage) ratio | 8.2162% | 5,411 |
| Tier 1 risk-based capital ratio | 10.7025% | 5,370 |
| Total risk-based capital ratio | 11.9526% | 5,300 |
| Memoranda: | ||
| Average total assets | $461,715,000 | 1,517 |
| Average earning assets | $432,149,000 | 1,508 |
| Average equity | $36,642,000 | 2,004 |
| Average total loans | $356,187,500 | 1,373 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9253% | 3,468 |
| Cost of funding earning assets | 0.1429% | 5,379 |
| Net interest margin | 3.7824% | 2,354 |
| Noninterest income to average assets | 0.5608% | 2,650 |
| Noninterest expense to average assets | 3.1391% | 1,738 |
| Loan and lease loss provision to assets | 0.0916% | 2,155 |
| Net operating income to assets | 0.6577% | 4,043 |
| Return on assets (ROA) | 0.6577% | 4,102 |
| Pretax return on assets | 0.8839% | 3,981 |
| Return on Equity (ROE) | 8.2004% | 2,916 |
| Retained earnings to average equity (ytd only) | 5.0882% | 2,653 |
| Net charge-offs to loans | -0.0035% | 4,260 |
| Credit loss provision to net charge-offs | -3,466.6667% | 5,031 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2919% | 1,674 |
| Assets per employee ($millions) | 4.0741% | 3,840 |
| Cash dividends to net income (ytd only)* | 37.9518% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1609% | 3,242 |
| Loan loss allowance to noncurrent loans | 123.4475% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 0.9248% | 1,903 |
| Noncurrent loans to loans | 0.9404% | 2,085 |
| Net loans and leases to total assets | 77.9850% | 1,252 |
| Net loans and leases to deposits | 96.1507% | 1,066 |
| Net loans and leases to core deposits | 97.0387% | 1,885 |
| Total domestic deposits to total assets | 81.1070% | 4,157 |
| Equity capital to assets | 7.9728% | 5,546 |
| Core capital (leverage) ratio | 8.4558% | 5,247 |
| Tier 1 risk-based capital ratio | 11.1340% | 5,185 |
| Total risk-based capital ratio | 12.3840% | 5,071 |
| Memoranda: | ||
| Average total assets | $454,330,330 | 1,547 |
| Average earning assets | $426,876,330 | 1,529 |
| Average equity | $36,437,330 | 2,007 |
| Average total loans | $345,494,670 | 1,404 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6789% | 4,175 |
| Cost of funding earning assets | 0.1238% | 5,533 |
| Net interest margin | 3.5550% | 3,063 |
| Noninterest income to average assets | 0.5573% | 2,625 |
| Noninterest expense to average assets | 3.0770% | 1,927 |
| Loan and lease loss provision to assets | 0.0668% | 2,469 |
| Net operating income to assets | 0.5965% | 4,177 |
| Return on assets (ROA) | 0.5965% | 4,224 |
| Pretax return on assets | 0.7621% | 4,237 |
| Return on Equity (ROE) | 7.4153% | 3,202 |
| Retained earnings to average equity (ytd only) | 4.2832% | 3,294 |
| Net charge-offs to loans | -0.0478% | 5,163 |
| Credit loss provision to net charge-offs | -187.5000% | 4,036 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7782% | 1,521 |
| Assets per employee ($millions) | 4.2649% | 3,554 |
| Cash dividends to net income (ytd only)* | 42.2388% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2226% | 2,988 |
| Loan loss allowance to noncurrent loans | 147.7596% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 0.8022% | 2,296 |
| Noncurrent loans to loans | 0.8274% | 2,386 |
| Net loans and leases to total assets | 73.5646% | 1,809 |
| Net loans and leases to deposits | 80.7582% | 2,644 |
| Net loans and leases to core deposits | 81.2954% | 3,163 |
| Total domestic deposits to total assets | 91.0924% | 274 |
| Equity capital to assets | 7.9677% | 5,535 |
| Core capital (leverage) ratio | 8.4464% | 5,267 |
| Tier 1 risk-based capital ratio | 11.7609% | 4,878 |
| Total risk-based capital ratio | 13.0119% | 4,780 |
| Memoranda: | ||
| Average total assets | $449,274,500 | 1,573 |
| Average earning assets | $423,173,000 | 1,551 |
| Average equity | $36,141,500 | 2,022 |
| Average total loans | $335,017,500 | 1,442 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6662% | 4,323 |
| Cost of funding earning assets | 0.1751% | 5,251 |
| Net interest margin | 3.4911% | 3,466 |
| Noninterest income to average assets | 0.4175% | 3,759 |
| Noninterest expense to average assets | 2.9090% | 2,643 |
| Loan and lease loss provision to assets | 0.0413% | 3,555 |
| Net operating income to assets | 0.5734% | 4,335 |
| Return on assets (ROA) | 0.5838% | 4,387 |
| Pretax return on assets | 0.7586% | 4,308 |
| Return on Equity (ROE) | 7.0798% | 3,427 |
| Retained earnings to average equity (ytd only) | 3.0553% | 3,723 |
| Net charge-offs to loans | 0.1070% | 2,203 |
| Credit loss provision to net charge-offs | 54.8780% | 3,320 |
| Earnings coverage of net charge-offs (x) | 10.4390% | 2,642 |
| Efficiency ratio | 78.7210% | 1,589 |
| Assets per employee ($millions) | 4.3783% | 3,313 |
| Cash dividends to net income (ytd only)* | 56.8450% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2236% | 2,981 |
| Loan loss allowance to noncurrent loans | 149.9072% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 0.7621% | 2,449 |
| Noncurrent loans to loans | 0.8162% | 2,482 |
| Net loans and leases to total assets | 73.7514% | 1,886 |
| Net loans and leases to deposits | 81.2590% | 2,753 |
| Net loans and leases to core deposits | 81.9242% | 3,216 |
| Total domestic deposits to total assets | 90.7609% | 363 |
| Equity capital to assets | 8.1236% | 5,504 |
| Core capital (leverage) ratio | 8.2994% | 5,438 |
| Tier 1 risk-based capital ratio | 12.0038% | 4,726 |
| Total risk-based capital ratio | 13.2551% | 4,608 |
| Memoranda: | ||
| Average total assets | $435,434,800 | 1,558 |
| Average earning assets | $408,842,200 | 1,538 |
| Average equity | $35,905,000 | 2,028 |
| Average total loans | $306,647,400 | 1,492 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6241% | 4,484 |
| Cost of funding earning assets | 0.1913% | 5,165 |
| Net interest margin | 3.4328% | 3,728 |
| Noninterest income to average assets | 0.3517% | 4,272 |
| Noninterest expense to average assets | 2.8683% | 2,749 |
| Loan and lease loss provision to assets | 0.0369% | 3,511 |
| Net operating income to assets | 0.5094% | 4,661 |
| Return on assets (ROA) | 0.5232% | 4,706 |
| Pretax return on assets | 0.6861% | 4,648 |
| Return on Equity (ROE) | 6.3210% | 3,917 |
| Retained earnings to average equity (ytd only) | 3.3016% | 3,924 |
| Net charge-offs to loans | 0.1450% | 1,538 |
| Credit loss provision to net charge-offs | 36.6972% | 3,181 |
| Earnings coverage of net charge-offs (x) | 7.0122% | 2,933 |
| Efficiency ratio | 80.2736% | 1,409 |
| Assets per employee ($millions) | 4.1889% | 3,612 |
| Cash dividends to net income (ytd only)* | 47.7671% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2597% | 2,899 |
| Loan loss allowance to noncurrent loans | 157.2896% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 0.7678% | 2,632 |
| Noncurrent loans to loans | 0.8009% | 2,664 |
| Net loans and leases to total assets | 70.9466% | 2,353 |
| Net loans and leases to deposits | 78.2234% | 3,163 |
| Net loans and leases to core deposits | 78.8162% | 3,572 |
| Total domestic deposits to total assets | 90.6973% | 275 |
| Equity capital to assets | 8.2625% | 5,642 |
| Core capital (leverage) ratio | 9.0470% | 4,780 |
| Tier 1 risk-based capital ratio | 12.3535% | 4,571 |
| Total risk-based capital ratio | 13.6046% | 4,474 |
| Memoranda: | ||
| Average total assets | $433,742,000 | 1,565 |
| Average earning assets | $407,040,750 | 1,541 |
| Average equity | $35,900,500 | 2,039 |
| Average total loans | $300,766,000 | 1,520 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5877% | 4,629 |
| Cost of funding earning assets | 0.2150% | 4,993 |
| Net interest margin | 3.3727% | 3,990 |
| Noninterest income to average assets | 0.5337% | 2,987 |
| Noninterest expense to average assets | 2.8718% | 2,769 |
| Loan and lease loss provision to assets | 0.0278% | 3,571 |
| Net operating income to assets | 0.6044% | 4,247 |
| Return on assets (ROA) | 0.6069% | 4,367 |
| Pretax return on assets | 0.7982% | 4,286 |
| Return on Equity (ROE) | 7.3279% | 3,354 |
| Retained earnings to average equity (ytd only) | 4.3352% | 3,160 |
| Net charge-offs to loans | 0.1982% | 1,157 |
| Credit loss provision to net charge-offs | 20.4778% | 2,927 |
| Earnings coverage of net charge-offs (x) | 6.0614% | 2,785 |
| Efficiency ratio | 77.7304% | 1,833 |
| Assets per employee ($millions) | 3.9009% | 4,094 |
| Cash dividends to net income (ytd only)* | 40.8397% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3372% | 2,585 |
| Loan loss allowance to noncurrent loans | 96.3703% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 1.3526% | 1,476 |
| Noncurrent loans to loans | 1.3876% | 1,612 |
| Net loans and leases to total assets | 70.5903% | 2,385 |
| Net loans and leases to deposits | 80.6287% | 2,858 |
| Net loans and leases to core deposits | 81.3020% | 3,335 |
| Total domestic deposits to total assets | 87.5498% | 1,647 |
| Equity capital to assets | 8.8001% | 5,404 |
| Core capital (leverage) ratio | 8.6722% | 5,197 |
| Tier 1 risk-based capital ratio | 13.1216% | 4,121 |
| Total risk-based capital ratio | 14.3738% | 4,047 |
| Memoranda: | ||
| Average total assets | $431,712,330 | 1,574 |
| Average earning assets | $404,605,330 | 1,554 |
| Average equity | $35,753,670 | 2,046 |
| Average total loans | $295,679,330 | 1,538 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4952% | 4,902 |
| Cost of funding earning assets | 0.2116% | 5,091 |
| Net interest margin | 3.2836% | 4,290 |
| Noninterest income to average assets | 0.5127% | 3,033 |
| Noninterest expense to average assets | 2.8256% | 2,973 |
| Loan and lease loss provision to assets | 0.0272% | 3,306 |
| Net operating income to assets | 0.5608% | 4,364 |
| Return on assets (ROA) | 0.5608% | 4,471 |
| Pretax return on assets | 0.7441% | 4,384 |
| Return on Equity (ROE) | 6.9759% | 3,469 |
| Retained earnings to average equity (ytd only) | 4.0749% | 3,451 |
| Net charge-offs to loans | 0.1840% | 1,058 |
| Credit loss provision to net charge-offs | 22.0588% | 2,282 |
| Earnings coverage of net charge-offs (x) | 6.2500% | 2,252 |
| Efficiency ratio | 78.5570% | 1,819 |
| Assets per employee ($millions) | 4.0685% | 3,834 |
| Cash dividends to net income (ytd only)* | 41.5858% | 2,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3691% | 2,568 |
| Loan loss allowance to noncurrent loans | 78.3945% | 4,121 |
| Noncurrent assets plus other real estate owned to assets | 1.4905% | 1,372 |
| Noncurrent loans to loans | 1.7464% | 1,275 |
| Net loans and leases to total assets | 66.9273% | 2,819 |
| Net loans and leases to deposits | 75.6142% | 3,262 |
| Net loans and leases to core deposits | 76.2016% | 3,663 |
| Total domestic deposits to total assets | 88.5115% | 1,350 |
| Equity capital to assets | 8.1328% | 5,772 |
| Core capital (leverage) ratio | 8.4934% | 5,397 |
| Tier 1 risk-based capital ratio | 13.0767% | 4,214 |
| Total risk-based capital ratio | 14.3295% | 4,129 |
| Memoranda: | ||
| Average total assets | $440,820,500 | 1,545 |
| Average earning assets | $414,053,000 | 1,527 |
| Average equity | $35,436,500 | 2,062 |
| Average total loans | $295,597,000 | 1,536 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4768% | 4,984 |
| Cost of funding earning assets | 0.2678% | 4,615 |
| Net interest margin | 3.2090% | 4,598 |
| Noninterest income to average assets | 0.5571% | 2,979 |
| Noninterest expense to average assets | 2.8669% | 2,976 |
| Loan and lease loss provision to assets | 0.0211% | 3,964 |
| Net operating income to assets | 0.5322% | 4,577 |
| Return on assets (ROA) | 0.5322% | 4,656 |
| Pretax return on assets | 0.6728% | 4,605 |
| Return on Equity (ROE) | 6.5387% | 3,760 |
| Retained earnings to average equity (ytd only) | 3.4881% | 3,575 |
| Net charge-offs to loans | 0.0340% | 3,527 |
| Credit loss provision to net charge-offs | 94.7368% | 2,659 |
| Earnings coverage of net charge-offs (x) | 31.1789% | 1,413 |
| Efficiency ratio | 80.5132% | 1,608 |
| Assets per employee ($millions) | 4.1721% | 3,623 |
| Cash dividends to net income (ytd only)* | 46.6549% | 2,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4292% | 2,295 |
| Loan loss allowance to noncurrent loans | 80.5075% | 4,136 |
| Noncurrent assets plus other real estate owned to assets | 1.4677% | 1,394 |
| Noncurrent loans to loans | 1.7752% | 1,251 |
| Net loans and leases to total assets | 65.3141% | 3,081 |
| Net loans and leases to deposits | 73.6777% | 3,534 |
| Net loans and leases to core deposits | 74.2930% | 3,911 |
| Total domestic deposits to total assets | 88.6484% | 1,309 |
| Equity capital to assets | 7.9454% | 5,872 |
| Core capital (leverage) ratio | 8.2295% | 5,668 |
| Tier 1 risk-based capital ratio | 13.1218% | 4,224 |
| Total risk-based capital ratio | 14.3755% | 4,146 |
| Memoranda: | ||
| Average total assets | $426,870,400 | 1,557 |
| Average earning assets | $399,562,800 | 1,533 |
| Average equity | $34,746,800 | 2,051 |
| Average total loans | $279,608,600 | 1,564 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4666% | 5,059 |
| Cost of funding earning assets | 0.2841% | 4,515 |
| Net interest margin | 3.1825% | 4,729 |
| Noninterest income to average assets | 0.5576% | 3,002 |
| Noninterest expense to average assets | 2.8256% | 3,085 |
| Loan and lease loss provision to assets | 0.0284% | 3,671 |
| Net operating income to assets | 0.5345% | 4,659 |
| Return on assets (ROA) | 0.5345% | 4,756 |
| Pretax return on assets | 0.6795% | 4,753 |
| Return on Equity (ROE) | 6.5262% | 3,890 |
| Retained earnings to average equity (ytd only) | 3.4478% | 4,016 |
| Net charge-offs to loans | 0.0265% | 3,413 |
| Credit loss provision to net charge-offs | 163.6364% | 1,572 |
| Earnings coverage of net charge-offs (x) | 40.8372% | 1,227 |
| Efficiency ratio | 79.9661% | 1,657 |
| Assets per employee ($millions) | 4.0211% | 3,843 |
| Cash dividends to net income (ytd only)* | 47.1697% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4694% | 2,285 |
| Loan loss allowance to noncurrent loans | 77.0268% | 4,240 |
| Noncurrent assets plus other real estate owned to assets | 1.5753% | 1,420 |
| Noncurrent loans to loans | 1.9077% | 1,213 |
| Net loans and leases to total assets | 65.8905% | 3,031 |
| Net loans and leases to deposits | 74.5535% | 3,477 |
| Net loans and leases to core deposits | 75.1955% | 3,883 |
| Total domestic deposits to total assets | 88.3803% | 1,355 |
| Equity capital to assets | 8.1504% | 5,897 |
| Core capital (leverage) ratio | 9.2690% | 4,629 |
| Tier 1 risk-based capital ratio | 13.4706% | 4,154 |
| Total risk-based capital ratio | 14.7252% | 4,083 |
| Memoranda: | ||
| Average total assets | $423,026,500 | 1,580 |
| Average earning assets | $395,575,250 | 1,556 |
| Average equity | $34,649,000 | 2,072 |
| Average total loans | $276,251,500 | 1,592 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4695% | 5,066 |
| Cost of funding earning assets | 0.3155% | 4,215 |
| Net interest margin | 3.1540% | 4,815 |
| Noninterest income to average assets | 0.5730% | 2,890 |
| Noninterest expense to average assets | 2.8140% | 3,179 |
| Loan and lease loss provision to assets | 0.0285% | 3,554 |
| Net operating income to assets | 0.5430% | 4,585 |
| Return on assets (ROA) | 0.5430% | 4,697 |
| Pretax return on assets | 0.6781% | 4,726 |
| Return on Equity (ROE) | 6.6185% | 3,823 |
| Retained earnings to average equity (ytd only) | 3.5700% | 3,754 |
| Net charge-offs to loans | 0.0617% | 2,499 |
| Credit loss provision to net charge-offs | 71.4286% | 2,441 |
| Earnings coverage of net charge-offs (x) | 17.6905% | 1,841 |
| Efficiency ratio | 79.9298% | 1,774 |
| Assets per employee ($millions) | 3.9203% | 4,033 |
| Cash dividends to net income (ytd only)* | 46.0595% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4796% | 2,382 |
| Loan loss allowance to noncurrent loans | 79.0932% | 4,238 |
| Noncurrent assets plus other real estate owned to assets | 1.6246% | 1,479 |
| Noncurrent loans to loans | 1.8707% | 1,348 |
| Net loans and leases to total assets | 68.7471% | 2,524 |
| Net loans and leases to deposits | 80.7256% | 2,695 |
| Net loans and leases to core deposits | 81.5665% | 3,229 |
| Total domestic deposits to total assets | 85.1615% | 3,058 |
| Equity capital to assets | 8.6043% | 5,595 |
| Core capital (leverage) ratio | 8.6013% | 5,440 |
| Tier 1 risk-based capital ratio | 13.4715% | 4,239 |
| Total risk-based capital ratio | 14.7258% | 4,170 |
| Memoranda: | ||
| Average total assets | $420,615,670 | 1,598 |
| Average earning assets | $393,085,330 | 1,572 |
| Average equity | $34,509,330 | 2,092 |
| Average total loans | $272,426,000 | 1,615 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3715% | 5,273 |
| Cost of funding earning assets | 0.3119% | 4,308 |
| Net interest margin | 3.0596% | 5,063 |
| Noninterest income to average assets | 0.5827% | 2,751 |
| Noninterest expense to average assets | 2.8091% | 3,219 |
| Loan and lease loss provision to assets | 0.0280% | 3,321 |
| Net operating income to assets | 0.4848% | 4,748 |
| Return on assets (ROA) | 0.4848% | 4,872 |
| Pretax return on assets | 0.6079% | 4,899 |
| Return on Equity (ROE) | 6.0478% | 4,008 |
| Retained earnings to average equity (ytd only) | 2.8727% | 4,241 |
| Net charge-offs to loans | 0.0627% | 2,121 |
| Credit loss provision to net charge-offs | 71.4286% | 1,900 |
| Earnings coverage of net charge-offs (x) | 16.2381% | 1,581 |
| Efficiency ratio | 81.5426% | 1,677 |
| Assets per employee ($millions) | 4.2989% | 3,369 |
| Cash dividends to net income (ytd only)* | 52.5000% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5563% | 2,210 |
| Loan loss allowance to noncurrent loans | 70.0452% | 4,437 |
| Noncurrent assets plus other real estate owned to assets | 1.6951% | 1,482 |
| Noncurrent loans to loans | 2.2219% | 1,134 |
| Net loans and leases to total assets | 60.9095% | 3,537 |
| Net loans and leases to deposits | 70.6325% | 3,676 |
| Net loans and leases to core deposits | 71.2596% | 4,036 |
| Total domestic deposits to total assets | 86.2345% | 2,811 |
| Equity capital to assets | 7.9755% | 6,043 |
| Core capital (leverage) ratio | 8.3090% | 5,719 |
| Tier 1 risk-based capital ratio | 13.8776% | 4,101 |
| Total risk-based capital ratio | 15.1329% | 4,023 |
| Memoranda: | ||
| Average total assets | $429,030,000 | 1,579 |
| Average earning assets | $401,362,000 | 1,555 |
| Average equity | $34,392,500 | 2,106 |
| Average total loans | $267,758,500 | 1,640 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6205% | 5,027 |
| Cost of funding earning assets | 0.3734% | 4,000 |
| Net interest margin | 3.2471% | 4,763 |
| Noninterest income to average assets | 0.6303% | 2,674 |
| Noninterest expense to average assets | 2.7946% | 3,502 |
| Loan and lease loss provision to assets | 0.0291% | 4,025 |
| Net operating income to assets | 0.6214% | 4,266 |
| Return on assets (ROA) | 0.6214% | 4,375 |
| Pretax return on assets | 0.8148% | 4,207 |
| Return on Equity (ROE) | 7.3736% | 3,430 |
| Retained earnings to average equity (ytd only) | 4.2924% | 3,134 |
| Net charge-offs to loans | 0.0765% | 3,390 |
| Credit loss provision to net charge-offs | 59.4059% | 3,295 |
| Earnings coverage of net charge-offs (x) | 17.2327% | 1,942 |
| Efficiency ratio | 76.8057% | 2,389 |
| Assets per employee ($millions) | 4.1556% | 3,622 |
| Cash dividends to net income (ytd only)* | 41.7870% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5712% | 2,186 |
| Loan loss allowance to noncurrent loans | 73.4583% | 4,406 |
| Noncurrent assets plus other real estate owned to assets | 1.6508% | 1,634 |
| Noncurrent loans to loans | 2.1389% | 1,266 |
| Net loans and leases to total assets | 61.9718% | 3,505 |
| Net loans and leases to deposits | 72.0631% | 3,676 |
| Net loans and leases to core deposits | 72.6696% | 4,063 |
| Total domestic deposits to total assets | 85.9966% | 2,844 |
| Equity capital to assets | 8.0582% | 6,037 |
| Core capital (leverage) ratio | 8.0447% | 5,972 |
| Tier 1 risk-based capital ratio | 14.2791% | 3,915 |
| Total risk-based capital ratio | 15.5969% | 3,803 |
| Memoranda: | ||
| Average total assets | $412,480,200 | 1,602 |
| Average earning assets | $382,129,600 | 1,588 |
| Average equity | $34,759,000 | 2,011 |
| Average total loans | $264,075,600 | 1,608 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6617% | 4,967 |
| Cost of funding earning assets | 0.3884% | 3,921 |
| Net interest margin | 3.2733% | 4,704 |
| Noninterest income to average assets | 0.6334% | 2,664 |
| Noninterest expense to average assets | 2.7510% | 3,638 |
| Loan and lease loss provision to assets | 0.0293% | 3,822 |
| Net operating income to assets | 0.6699% | 4,106 |
| Return on assets (ROA) | 0.6699% | 4,199 |
| Pretax return on assets | 0.8788% | 4,080 |
| Return on Equity (ROE) | 7.8601% | 3,283 |
| Retained earnings to average equity (ytd only) | 4.8123% | 3,207 |
| Net charge-offs to loans | 0.0937% | 2,874 |
| Credit loss provision to net charge-offs | 48.6486% | 3,127 |
| Earnings coverage of net charge-offs (x) | 15.0811% | 2,082 |
| Efficiency ratio | 75.1824% | 2,636 |
| Assets per employee ($millions) | 3.8822% | 4,123 |
| Cash dividends to net income (ytd only)* | 38.7754% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5847% | 2,352 |
| Loan loss allowance to noncurrent loans | 73.7864% | 4,367 |
| Noncurrent assets plus other real estate owned to assets | 1.6741% | 1,811 |
| Noncurrent loans to loans | 2.1477% | 1,435 |
| Net loans and leases to total assets | 62.4924% | 3,406 |
| Net loans and leases to deposits | 73.4355% | 3,503 |
| Net loans and leases to core deposits | 74.2053% | 3,919 |
| Total domestic deposits to total assets | 85.0984% | 3,302 |
| Equity capital to assets | 8.5818% | 5,738 |
| Core capital (leverage) ratio | 9.2446% | 4,717 |
| Tier 1 risk-based capital ratio | 13.6972% | 4,419 |
| Total risk-based capital ratio | 15.0085% | 4,316 |
| Memoranda: | ||
| Average total assets | $409,633,500 | 1,627 |
| Average earning assets | $378,647,750 | 1,612 |
| Average equity | $34,909,750 | 2,006 |
| Average total loans | $263,376,750 | 1,616 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7143% | 4,816 |
| Cost of funding earning assets | 0.4210% | 3,647 |
| Net interest margin | 3.2932% | 4,617 |
| Noninterest income to average assets | 0.6725% | 2,417 |
| Noninterest expense to average assets | 2.7760% | 3,591 |
| Loan and lease loss provision to assets | 0.0294% | 3,683 |
| Net operating income to assets | 0.6848% | 3,920 |
| Return on assets (ROA) | 0.6848% | 4,020 |
| Pretax return on assets | 0.9100% | 3,848 |
| Return on Equity (ROE) | 8.0545% | 3,060 |
| Retained earnings to average equity (ytd only) | 4.9100% | 3,019 |
| Net charge-offs to loans | 0.1451% | 2,222 |
| Credit loss provision to net charge-offs | 31.4136% | 3,040 |
| Earnings coverage of net charge-offs (x) | 10.0262% | 2,286 |
| Efficiency ratio | 74.7161% | 2,854 |
| Assets per employee ($millions) | 3.7225% | 4,411 |
| Cash dividends to net income (ytd only)* | 39.0401% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5664% | 2,597 |
| Loan loss allowance to noncurrent loans | 67.8454% | 4,578 |
| Noncurrent assets plus other real estate owned to assets | 1.8747% | 1,737 |
| Noncurrent loans to loans | 2.3088% | 1,402 |
| Net loans and leases to total assets | 65.9957% | 2,747 |
| Net loans and leases to deposits | 80.7030% | 2,423 |
| Net loans and leases to core deposits | 81.9642% | 2,977 |
| Total domestic deposits to total assets | 81.7761% | 4,726 |
| Equity capital to assets | 8.9670% | 5,335 |
| Core capital (leverage) ratio | 8.5333% | 5,600 |
| Tier 1 risk-based capital ratio | 13.3506% | 4,690 |
| Total risk-based capital ratio | 14.6582% | 4,592 |
| Memoranda: | ||
| Average total assets | $407,714,330 | 1,630 |
| Average earning assets | $376,710,670 | 1,618 |
| Average equity | $34,663,670 | 2,009 |
| Average total loans | $263,246,330 | 1,611 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6715% | 4,941 |
| Cost of funding earning assets | 0.4153% | 3,812 |
| Net interest margin | 3.2563% | 4,718 |
| Noninterest income to average assets | 0.6884% | 2,234 |
| Noninterest expense to average assets | 2.7498% | 3,751 |
| Loan and lease loss provision to assets | 0.0290% | 3,447 |
| Net operating income to assets | 0.6990% | 3,697 |
| Return on assets (ROA) | 0.6990% | 3,772 |
| Pretax return on assets | 0.9230% | 3,611 |
| Return on Equity (ROE) | 8.4420% | 2,718 |
| Retained earnings to average equity (ytd only) | 5.2704% | 2,946 |
| Net charge-offs to loans | 0.0152% | 3,288 |
| Credit loss provision to net charge-offs | 300.0000% | 788 |
| Earnings coverage of net charge-offs (x) | 98.6000% | 464 |
| Efficiency ratio | 74.2827% | 3,085 |
| Assets per employee ($millions) | 3.9788% | 3,985 |
| Cash dividends to net income (ytd only)* | 37.5691% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6311% | 2,577 |
| Loan loss allowance to noncurrent loans | 75.6162% | 4,313 |
| Noncurrent assets plus other real estate owned to assets | 1.7155% | 2,058 |
| Noncurrent loans to loans | 2.1571% | 1,695 |
| Net loans and leases to total assets | 61.4142% | 3,330 |
| Net loans and leases to deposits | 73.8668% | 3,080 |
| Net loans and leases to core deposits | 74.9278% | 3,535 |
| Total domestic deposits to total assets | 83.1418% | 4,556 |
| Equity capital to assets | 8.2067% | 5,905 |
| Core capital (leverage) ratio | 8.2783% | 5,869 |
| Tier 1 risk-based capital ratio | 13.0661% | 4,965 |
| Total risk-based capital ratio | 14.3724% | 4,873 |
| Memoranda: | ||
| Average total assets | $414,281,500 | 1,620 |
| Average earning assets | $383,383,500 | 1,604 |
| Average equity | $34,304,500 | 2,016 |
| Average total loans | $262,594,500 | 1,620 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7333% | 5,026 |
| Cost of funding earning assets | 0.4839% | 3,775 |
| Net interest margin | 3.2493% | 4,839 |
| Noninterest income to average assets | 0.7595% | 2,255 |
| Noninterest expense to average assets | 2.8728% | 3,453 |
| Loan and lease loss provision to assets | 0.0293% | 4,524 |
| Net operating income to assets | 0.6745% | 3,921 |
| Return on assets (ROA) | 0.6745% | 4,016 |
| Pretax return on assets | 0.8822% | 3,838 |
| Return on Equity (ROE) | 8.5490% | 2,760 |
| Retained earnings to average equity (ytd only) | 5.2669% | 2,438 |
| Net charge-offs to loans | 0.0539% | 4,469 |
| Credit loss provision to net charge-offs | 86.3309% | 2,861 |
| Earnings coverage of net charge-offs (x) | 26.8417% | 1,286 |
| Efficiency ratio | 75.9135% | 2,786 |
| Assets per employee ($millions) | 3.8378% | 4,184 |
| Cash dividends to net income (ytd only)* | 38.3919% | 2,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6324% | 2,641 |
| Loan loss allowance to noncurrent loans | 67.3971% | 4,569 |
| Noncurrent assets plus other real estate owned to assets | 1.6450% | 2,245 |
| Noncurrent loans to loans | 2.4221% | 1,578 |
| Net loans and leases to total assets | 63.3226% | 3,160 |
| Net loans and leases to deposits | 76.6278% | 2,902 |
| Net loans and leases to core deposits | 77.5718% | 3,418 |
| Total domestic deposits to total assets | 82.6366% | 4,668 |
| Equity capital to assets | 8.3570% | 5,729 |
| Core capital (leverage) ratio | 8.0212% | 6,118 |
| Tier 1 risk-based capital ratio | 12.2567% | 5,456 |
| Total risk-based capital ratio | 13.5110% | 5,382 |
| Memoranda: | ||
| Average total assets | $409,324,200 | 1,612 |
| Average earning assets | $381,032,000 | 1,591 |
| Average equity | $32,296,000 | 2,116 |
| Average total loans | $257,759,200 | 1,614 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7359% | 5,073 |
| Cost of funding earning assets | 0.4899% | 3,869 |
| Net interest margin | 3.2460% | 4,843 |
| Noninterest income to average assets | 0.8128% | 2,085 |
| Noninterest expense to average assets | 2.7638% | 3,777 |
| Loan and lease loss provision to assets | 0.0293% | 4,420 |
| Net operating income to assets | 0.7838% | 3,431 |
| Return on assets (ROA) | 0.7838% | 3,559 |
| Pretax return on assets | 1.0453% | 3,317 |
| Return on Equity (ROE) | 10.0821% | 2,147 |
| Retained earnings to average equity (ytd only) | 6.7898% | 1,980 |
| Net charge-offs to loans | 0.0057% | 5,066 |
| Credit loss provision to net charge-offs | 818.1818% | 361 |
| Earnings coverage of net charge-offs (x) | 300.2877% | 201 |
| Efficiency ratio | 72.0047% | 3,403 |
| Assets per employee ($millions) | 3.8991% | 4,040 |
| Cash dividends to net income (ytd only)* | 32.6557% | 2,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6861% | 2,672 |
| Loan loss allowance to noncurrent loans | 62.5966% | 4,710 |
| Noncurrent assets plus other real estate owned to assets | 1.7840% | 2,296 |
| Noncurrent loans to loans | 2.6936% | 1,573 |
| Net loans and leases to total assets | 61.1167% | 3,502 |
| Net loans and leases to deposits | 73.7371% | 3,279 |
| Net loans and leases to core deposits | 74.7801% | 3,762 |
| Total domestic deposits to total assets | 82.8845% | 4,625 |
| Equity capital to assets | 7.7267% | 6,297 |
| Core capital (leverage) ratio | 8.6657% | 5,584 |
| Tier 1 risk-based capital ratio | 12.3456% | 5,545 |
| Total risk-based capital ratio | 13.6005% | 5,481 |
| Memoranda: | ||
| Average total assets | $409,953,000 | 1,620 |
| Average earning assets | $382,123,000 | 1,590 |
| Average equity | $31,870,750 | 2,156 |
| Average total loans | $256,729,750 | 1,614 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7123% | 5,110 |
| Cost of funding earning assets | 0.5098% | 3,805 |
| Net interest margin | 3.2025% | 4,938 |
| Noninterest income to average assets | 0.9079% | 1,792 |
| Noninterest expense to average assets | 2.7678% | 3,788 |
| Loan and lease loss provision to assets | 0.0294% | 4,338 |
| Net operating income to assets | 0.8078% | 3,246 |
| Return on assets (ROA) | 0.8078% | 3,399 |
| Pretax return on assets | 1.0949% | 3,111 |
| Return on Equity (ROE) | 10.3688% | 2,054 |
| Retained earnings to average equity (ytd only) | 6.9105% | 1,924 |
| Net charge-offs to loans | -0.0047% | 5,624 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,021 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1134% | 3,625 |
| Assets per employee ($millions) | 3.4091% | 5,038 |
| Cash dividends to net income (ytd only)* | 33.3536% | 2,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7073% | 2,758 |
| Loan loss allowance to noncurrent loans | 61.8089% | 4,709 |
| Noncurrent assets plus other real estate owned to assets | 1.8994% | 2,281 |
| Noncurrent loans to loans | 2.7623% | 1,645 |
| Net loans and leases to total assets | 63.4746% | 3,011 |
| Net loans and leases to deposits | 77.2080% | 2,694 |
| Net loans and leases to core deposits | 78.3015% | 3,251 |
| Total domestic deposits to total assets | 82.2125% | 4,975 |
| Equity capital to assets | 7.9909% | 6,202 |
| Core capital (leverage) ratio | 8.3091% | 5,879 |
| Tier 1 risk-based capital ratio | 12.4600% | 5,532 |
| Total risk-based capital ratio | 13.7154% | 5,469 |
| Memoranda: | ||
| Average total assets | $407,536,670 | 1,633 |
| Average earning assets | $379,762,670 | 1,600 |
| Average equity | $31,749,000 | 2,168 |
| Average total loans | $255,855,330 | 1,624 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7238% | 5,083 |
| Cost of funding earning assets | 0.5411% | 3,661 |
| Net interest margin | 3.1826% | 4,987 |
| Noninterest income to average assets | 1.1828% | 1,070 |
| Noninterest expense to average assets | 2.7912% | 3,731 |
| Loan and lease loss provision to assets | 0.0290% | 4,093 |
| Net operating income to assets | 0.9952% | 2,244 |
| Return on assets (ROA) | 0.9952% | 2,364 |
| Pretax return on assets | 1.3318% | 2,116 |
| Return on Equity (ROE) | 12.9338% | 1,187 |
| Retained earnings to average equity (ytd only) | 9.4898% | 1,247 |
| Net charge-offs to loans | -0.2702% | 6,749 |
| Credit loss provision to net charge-offs | -17.3410% | 4,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2257% | 4,457 |
| Assets per employee ($millions) | 3.9038% | 4,150 |
| Cash dividends to net income (ytd only)* | 26.6278% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7677% | 2,747 |
| Loan loss allowance to noncurrent loans | 73.9638% | 4,174 |
| Noncurrent assets plus other real estate owned to assets | 1.5860% | 2,880 |
| Noncurrent loans to loans | 2.3900% | 2,171 |
| Net loans and leases to total assets | 61.5509% | 3,158 |
| Net loans and leases to deposits | 74.6034% | 2,834 |
| Net loans and leases to core deposits | 75.5511% | 3,377 |
| Total domestic deposits to total assets | 82.5041% | 5,028 |
| Equity capital to assets | 7.9150% | 6,425 |
| Core capital (leverage) ratio | 7.9694% | 6,173 |
| Tier 1 risk-based capital ratio | 12.4602% | 5,604 |
| Total risk-based capital ratio | 13.7163% | 5,547 |
| Memoranda: | ||
| Average total assets | $413,579,500 | 1,623 |
| Average earning assets | $385,847,500 | 1,587 |
| Average equity | $31,823,500 | 2,195 |
| Average total loans | $256,097,500 | 1,631 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8810% | 5,632 |
| Cost of funding earning assets | 0.6496% | 3,918 |
| Net interest margin | 3.2314% | 5,486 |
| Noninterest income to average assets | 0.6944% | 2,748 |
| Noninterest expense to average assets | 2.8501% | 3,843 |
| Loan and lease loss provision to assets | 0.0993% | 4,401 |
| Net operating income to assets | 0.5847% | 4,307 |
| Return on assets (ROA) | 0.5847% | 4,567 |
| Pretax return on assets | 0.7545% | 4,462 |
| Return on Equity (ROE) | 7.5935% | 3,295 |
| Retained earnings to average equity (ytd only) | 4.1305% | 3,321 |
| Net charge-offs to loans | 0.0032% | 5,940 |
| Credit loss provision to net charge-offs | 5,000.0000% | 51 |
| Earnings coverage of net charge-offs (x) | 429.8750% | 92 |
| Efficiency ratio | 76.9489% | 2,600 |
| Assets per employee ($millions) | 3.9732% | 4,004 |
| Cash dividends to net income (ytd only)* | 45.6051% | 2,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6656% | 3,063 |
| Loan loss allowance to noncurrent loans | 71.3526% | 4,212 |
| Noncurrent assets plus other real estate owned to assets | 1.4925% | 3,145 |
| Noncurrent loans to loans | 2.3343% | 2,303 |
| Net loans and leases to total assets | 60.1928% | 3,570 |
| Net loans and leases to deposits | 74.3739% | 3,041 |
| Net loans and leases to core deposits | 75.4140% | 3,614 |
| Total domestic deposits to total assets | 80.9327% | 5,427 |
| Equity capital to assets | 7.4822% | 6,641 |
| Core capital (leverage) ratio | 7.5194% | 6,493 |
| Tier 1 risk-based capital ratio | 12.4215% | 5,530 |
| Total risk-based capital ratio | 13.6771% | 5,478 |
| Memoranda: | ||
| Average total assets | $402,799,000 | 1,629 |
| Average earning assets | $375,137,000 | 1,596 |
| Average equity | $31,013,400 | 2,197 |
| Average total loans | $246,702,400 | 1,674 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9307% | 5,715 |
| Cost of funding earning assets | 0.6681% | 4,034 |
| Net interest margin | 3.2626% | 5,505 |
| Noninterest income to average assets | 0.7333% | 2,551 |
| Noninterest expense to average assets | 2.7817% | 4,048 |
| Loan and lease loss provision to assets | 0.0904% | 4,474 |
| Net operating income to assets | 0.6827% | 3,990 |
| Return on assets (ROA) | 0.6827% | 4,254 |
| Pretax return on assets | 0.8957% | 4,121 |
| Return on Equity (ROE) | 8.8013% | 2,897 |
| Retained earnings to average equity (ytd only) | 5.3567% | 3,121 |
| Net charge-offs to loans | -0.0787% | 6,806 |
| Credit loss provision to net charge-offs | -187.5000% | 6,324 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8292% | 3,016 |
| Assets per employee ($millions) | 4.0716% | 3,732 |
| Cash dividends to net income (ytd only)* | 39.1367% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6975% | 3,163 |
| Loan loss allowance to noncurrent loans | 68.9567% | 4,260 |
| Noncurrent assets plus other real estate owned to assets | 1.5158% | 3,311 |
| Noncurrent loans to loans | 2.4616% | 2,341 |
| Net loans and leases to total assets | 59.5992% | 3,856 |
| Net loans and leases to deposits | 73.8343% | 3,306 |
| Net loans and leases to core deposits | 74.8279% | 3,875 |
| Total domestic deposits to total assets | 80.7203% | 5,446 |
| Equity capital to assets | 7.5674% | 6,758 |
| Core capital (leverage) ratio | 8.3477% | 5,949 |
| Tier 1 risk-based capital ratio | 12.4430% | 5,681 |
| Total risk-based capital ratio | 13.6988% | 5,648 |
| Memoranda: | ||
| Average total assets | $398,208,750 | 1,662 |
| Average earning assets | $370,375,750 | 1,629 |
| Average equity | $30,888,750 | 2,222 |
| Average total loans | $243,927,500 | 1,705 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9999% | 5,634 |
| Cost of funding earning assets | 0.6959% | 4,046 |
| Net interest margin | 3.3040% | 5,430 |
| Noninterest income to average assets | 0.7245% | 2,535 |
| Noninterest expense to average assets | 2.8536% | 3,812 |
| Loan and lease loss provision to assets | 0.1227% | 3,988 |
| Net operating income to assets | 0.6304% | 4,225 |
| Return on assets (ROA) | 0.6304% | 4,471 |
| Pretax return on assets | 0.8166% | 4,415 |
| Return on Equity (ROE) | 8.0572% | 3,235 |
| Retained earnings to average equity (ytd only) | 4.6461% | 3,515 |
| Net charge-offs to loans | -0.0732% | 6,780 |
| Credit loss provision to net charge-offs | -272.7273% | 6,193 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2359% | 2,858 |
| Assets per employee ($millions) | 3.4894% | 5,014 |
| Cash dividends to net income (ytd only)* | 42.3358% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7461% | 3,043 |
| Loan loss allowance to noncurrent loans | 50.0710% | 5,119 |
| Noncurrent assets plus other real estate owned to assets | 2.1867% | 2,550 |
| Noncurrent loans to loans | 3.4872% | 1,645 |
| Net loans and leases to total assets | 60.9062% | 3,642 |
| Net loans and leases to deposits | 76.4488% | 2,920 |
| Net loans and leases to core deposits | 77.9081% | 3,530 |
| Total domestic deposits to total assets | 79.6692% | 5,824 |
| Equity capital to assets | 7.9171% | 6,626 |
| Core capital (leverage) ratio | 8.0175% | 6,258 |
| Tier 1 risk-based capital ratio | 12.9354% | 5,227 |
| Total risk-based capital ratio | 14.1919% | 5,202 |
| Memoranda: | ||
| Average total assets | $391,152,330 | 1,690 |
| Average earning assets | $363,261,670 | 1,666 |
| Average equity | $30,606,330 | 2,224 |
| Average total loans | $240,482,670 | 1,719 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9943% | 5,773 |
| Cost of funding earning assets | 0.7162% | 4,145 |
| Net interest margin | 3.2781% | 5,541 |
| Noninterest income to average assets | 0.7257% | 2,527 |
| Noninterest expense to average assets | 2.8856% | 3,682 |
| Loan and lease loss provision to assets | 0.1533% | 3,457 |
| Net operating income to assets | 0.5786% | 4,446 |
| Return on assets (ROA) | 0.5786% | 4,670 |
| Pretax return on assets | 0.7278% | 4,699 |
| Return on Equity (ROE) | 7.4378% | 3,535 |
| Retained earnings to average equity (ytd only) | 3.7978% | 4,306 |
| Net charge-offs to loans | -0.1336% | 6,885 |
| Credit loss provision to net charge-offs | -187.5000% | 5,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6079% | 2,696 |
| Assets per employee ($millions) | 3.6218% | 4,823 |
| Cash dividends to net income (ytd only)* | 48.9399% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7166% | 3,278 |
| Loan loss allowance to noncurrent loans | 46.2399% | 5,295 |
| Noncurrent assets plus other real estate owned to assets | 2.2884% | 2,600 |
| Noncurrent loans to loans | 3.7125% | 1,669 |
| Net loans and leases to total assets | 59.9254% | 3,684 |
| Net loans and leases to deposits | 74.9330% | 2,983 |
| Net loans and leases to core deposits | 77.0203% | 3,468 |
| Total domestic deposits to total assets | 79.9719% | 5,858 |
| Equity capital to assets | 7.7515% | 6,657 |
| Core capital (leverage) ratio | 7.9526% | 6,295 |
| Tier 1 risk-based capital ratio | 13.2593% | 5,020 |
| Total risk-based capital ratio | 14.5161% | 4,997 |
| Memoranda: | ||
| Average total assets | $391,323,000 | 1,701 |
| Average earning assets | $363,016,500 | 1,673 |
| Average equity | $30,439,000 | 2,236 |
| Average total loans | $239,595,000 | 1,720 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1532% | 6,178 |
| Cost of funding earning assets | 0.8271% | 4,652 |
| Net interest margin | 3.3261% | 5,737 |
| Noninterest income to average assets | 0.5572% | 3,455 |
| Noninterest expense to average assets | 2.7912% | 4,382 |
| Loan and lease loss provision to assets | 0.1720% | 4,479 |
| Net operating income to assets | 0.5659% | 4,168 |
| Return on assets (ROA) | 0.5840% | 4,257 |
| Pretax return on assets | 0.7526% | 4,144 |
| Return on Equity (ROE) | 7.7280% | 3,043 |
| Retained earnings to average equity (ytd only) | 4.1943% | 3,196 |
| Net charge-offs to loans | 0.5776% | 2,716 |
| Credit loss provision to net charge-offs | 49.6000% | 5,428 |
| Earnings coverage of net charge-offs (x) | 2.6000% | 3,915 |
| Efficiency ratio | 75.5889% | 2,961 |
| Assets per employee ($millions) | 3.4631% | 5,109 |
| Cash dividends to net income (ytd only)* | 45.7254% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6361% | 3,438 |
| Loan loss allowance to noncurrent loans | 39.9877% | 5,608 |
| Noncurrent assets plus other real estate owned to assets | 2.8074% | 2,152 |
| Noncurrent loans to loans | 4.0916% | 1,520 |
| Net loans and leases to total assets | 60.4803% | 3,897 |
| Net loans and leases to deposits | 76.0245% | 3,176 |
| Net loans and leases to core deposits | 78.3289% | 3,641 |
| Total domestic deposits to total assets | 79.5537% | 5,857 |
| Equity capital to assets | 7.8060% | 6,684 |
| Core capital (leverage) ratio | 7.6462% | 6,568 |
| Tier 1 risk-based capital ratio | 13.3589% | 4,798 |
| Total risk-based capital ratio | 14.6148% | 4,770 |
| Memoranda: | ||
| Average total assets | $396,606,000 | 1,635 |
| Average earning assets | $373,856,800 | 1,591 |
| Average equity | $29,969,000 | 2,201 |
| Average total loans | $238,074,600 | 1,761 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1872% | 6,239 |
| Cost of funding earning assets | 0.8381% | 4,872 |
| Net interest margin | 3.3490% | 5,719 |
| Noninterest income to average assets | 0.5336% | 3,627 |
| Noninterest expense to average assets | 2.7469% | 4,544 |
| Loan and lease loss provision to assets | 0.1003% | 5,201 |
| Net operating income to assets | 0.6423% | 3,909 |
| Return on assets (ROA) | 0.6423% | 4,090 |
| Pretax return on assets | 0.8566% | 3,924 |
| Return on Equity (ROE) | 8.5684% | 2,792 |
| Retained earnings to average equity (ytd only) | 5.0715% | 3,124 |
| Net charge-offs to loans | 0.2813% | 3,675 |
| Credit loss provision to net charge-offs | 59.7610% | 4,812 |
| Earnings coverage of net charge-offs (x) | 5.7012% | 2,718 |
| Efficiency ratio | 74.1650% | 3,145 |
| Assets per employee ($millions) | 3.7233% | 4,484 |
| Cash dividends to net income (ytd only)* | 40.8122% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8328% | 2,826 |
| Loan loss allowance to noncurrent loans | 63.4185% | 4,287 |
| Noncurrent assets plus other real estate owned to assets | 1.8724% | 3,304 |
| Noncurrent loans to loans | 2.8901% | 2,416 |
| Net loans and leases to total assets | 57.9755% | 4,520 |
| Net loans and leases to deposits | 72.1574% | 3,961 |
| Net loans and leases to core deposits | 74.2727% | 4,410 |
| Total domestic deposits to total assets | 80.3459% | 5,637 |
| Equity capital to assets | 7.5884% | 6,899 |
| Core capital (leverage) ratio | 7.9664% | 6,429 |
| Tier 1 risk-based capital ratio | 13.7122% | 4,565 |
| Total risk-based capital ratio | 14.9715% | 4,523 |
| Memoranda: | ||
| Average total assets | $398,790,000 | 1,636 |
| Average earning assets | $377,490,750 | 1,583 |
| Average equity | $29,892,000 | 2,205 |
| Average total loans | $237,971,500 | 1,771 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2323% | 6,213 |
| Cost of funding earning assets | 0.8639% | 4,957 |
| Net interest margin | 3.3684% | 5,648 |
| Noninterest income to average assets | 0.5322% | 3,618 |
| Noninterest expense to average assets | 2.7853% | 4,484 |
| Loan and lease loss provision to assets | 0.0908% | 5,181 |
| Net operating income to assets | 0.6437% | 3,830 |
| Return on assets (ROA) | 0.6437% | 3,955 |
| Pretax return on assets | 0.8607% | 3,791 |
| Return on Equity (ROE) | 8.6244% | 2,667 |
| Retained earnings to average equity (ytd only) | 5.1706% | 2,898 |
| Net charge-offs to loans | 0.2671% | 3,549 |
| Credit loss provision to net charge-offs | 56.7823% | 4,418 |
| Earnings coverage of net charge-offs (x) | 5.9495% | 2,503 |
| Efficiency ratio | 74.5376% | 3,267 |
| Assets per employee ($millions) | 3.4022% | 5,191 |
| Cash dividends to net income (ytd only)* | 40.0470% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8267% | 2,900 |
| Loan loss allowance to noncurrent loans | 71.3280% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 1.7038% | 3,637 |
| Noncurrent loans to loans | 2.5610% | 2,818 |
| Net loans and leases to total assets | 60.1885% | 4,236 |
| Net loans and leases to deposits | 75.0389% | 3,642 |
| Net loans and leases to core deposits | 77.3863% | 4,137 |
| Total domestic deposits to total assets | 80.2097% | 5,765 |
| Equity capital to assets | 7.5767% | 6,912 |
| Core capital (leverage) ratio | 7.5114% | 6,737 |
| Tier 1 risk-based capital ratio | 13.7836% | 4,316 |
| Total risk-based capital ratio | 15.0437% | 4,282 |
| Memoranda: | ||
| Average total assets | $396,438,670 | 1,660 |
| Average earning assets | $377,148,000 | 1,593 |
| Average equity | $29,590,330 | 2,207 |
| Average total loans | $237,401,000 | 1,797 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2615% | 6,122 |
| Cost of funding earning assets | 0.8829% | 5,043 |
| Net interest margin | 3.3786% | 5,511 |
| Noninterest income to average assets | 0.4914% | 3,956 |
| Noninterest expense to average assets | 2.7430% | 4,667 |
| Loan and lease loss provision to assets | 0.0910% | 4,875 |
| Net operating income to assets | 0.6521% | 3,741 |
| Return on assets (ROA) | 0.6521% | 3,817 |
| Pretax return on assets | 0.8725% | 3,609 |
| Return on Equity (ROE) | 8.8038% | 2,555 |
| Retained earnings to average equity (ytd only) | 5.5553% | 2,880 |
| Net charge-offs to loans | 0.0752% | 4,187 |
| Credit loss provision to net charge-offs | 204.5455% | 1,449 |
| Earnings coverage of net charge-offs (x) | 21.6591% | 1,074 |
| Efficiency ratio | 74.0044% | 3,511 |
| Assets per employee ($millions) | 3.7584% | 4,400 |
| Cash dividends to net income (ytd only)* | 36.8992% | 1,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9866% | 2,456 |
| Loan loss allowance to noncurrent loans | 91.8101% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 1.5390% | 3,940 |
| Noncurrent loans to loans | 2.1638% | 3,370 |
| Net loans and leases to total assets | 56.4102% | 4,927 |
| Net loans and leases to deposits | 69.7658% | 4,381 |
| Net loans and leases to core deposits | 72.0627% | 4,777 |
| Total domestic deposits to total assets | 80.8566% | 5,700 |
| Equity capital to assets | 7.2862% | 6,984 |
| Core capital (leverage) ratio | 7.6295% | 6,626 |
| Tier 1 risk-based capital ratio | 13.7224% | 4,258 |
| Total risk-based capital ratio | 14.9838% | 4,223 |
| Memoranda: | ||
| Average total assets | $395,626,500 | 1,673 |
| Average earning assets | $376,484,000 | 1,611 |
| Average equity | $29,305,500 | 2,215 |
| Average total loans | $234,078,500 | 1,841 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7219% | 5,723 |
| Cost of funding earning assets | 1.1020% | 5,126 |
| Net interest margin | 3.6198% | 4,721 |
| Noninterest income to average assets | 0.6424% | 3,195 |
| Noninterest expense to average assets | 2.9549% | 4,018 |
| Loan and lease loss provision to assets | 0.1759% | 5,472 |
| Net operating income to assets | 0.6751% | 3,320 |
| Return on assets (ROA) | 0.6751% | 3,461 |
| Pretax return on assets | 0.9633% | 3,054 |
| Return on Equity (ROE) | 8.6776% | 2,429 |
| Retained earnings to average equity (ytd only) | 5.0429% | 2,384 |
| Net charge-offs to loans | 0.1665% | 5,334 |
| Credit loss provision to net charge-offs | 160.5392% | 2,172 |
| Earnings coverage of net charge-offs (x) | 10.3971% | 1,710 |
| Efficiency ratio | 72.0892% | 3,775 |
| Assets per employee ($millions) | 3.5353% | 4,858 |
| Cash dividends to net income (ytd only)* | 41.8854% | 2,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9591% | 2,404 |
| Loan loss allowance to noncurrent loans | 74.2926% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 1.7960% | 3,626 |
| Noncurrent loans to loans | 2.6370% | 2,885 |
| Net loans and leases to total assets | 59.6731% | 4,729 |
| Net loans and leases to deposits | 74.7049% | 4,080 |
| Net loans and leases to core deposits | 77.4349% | 4,528 |
| Total domestic deposits to total assets | 79.8784% | 5,868 |
| Equity capital to assets | 7.5350% | 6,864 |
| Core capital (leverage) ratio | 7.4369% | 6,754 |
| Tier 1 risk-based capital ratio | 13.5303% | 4,175 |
| Total risk-based capital ratio | 14.7915% | 4,135 |
| Memoranda: | ||
| Average total assets | $372,366,200 | 1,771 |
| Average earning assets | $355,070,000 | 1,692 |
| Average equity | $28,971,200 | 2,243 |
| Average total loans | $245,069,000 | 1,785 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7939% | 5,687 |
| Cost of funding earning assets | 1.1419% | 5,192 |
| Net interest margin | 3.6520% | 4,627 |
| Noninterest income to average assets | 0.5790% | 3,588 |
| Noninterest expense to average assets | 2.8814% | 4,162 |
| Loan and lease loss provision to assets | 0.1607% | 5,425 |
| Net operating income to assets | 0.7253% | 3,295 |
| Return on assets (ROA) | 0.7253% | 3,451 |
| Pretax return on assets | 1.0222% | 3,104 |
| Return on Equity (ROE) | 9.2463% | 2,411 |
| Retained earnings to average equity (ytd only) | 5.6592% | 2,560 |
| Net charge-offs to loans | 0.1556% | 5,070 |
| Credit loss provision to net charge-offs | 153.9792% | 2,503 |
| Earnings coverage of net charge-offs (x) | 11.3323% | 1,801 |
| Efficiency ratio | 70.8674% | 3,907 |
| Assets per employee ($millions) | 3.5964% | 4,744 |
| Cash dividends to net income (ytd only)* | 38.7947% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8684% | 2,578 |
| Loan loss allowance to noncurrent loans | 99.9334% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 1.3578% | 4,453 |
| Noncurrent loans to loans | 1.8696% | 3,838 |
| Net loans and leases to total assets | 60.9041% | 4,735 |
| Net loans and leases to deposits | 76.4009% | 4,105 |
| Net loans and leases to core deposits | 79.3251% | 4,613 |
| Total domestic deposits to total assets | 79.7165% | 5,798 |
| Equity capital to assets | 7.7013% | 6,997 |
| Core capital (leverage) ratio | 8.1576% | 6,102 |
| Tier 1 risk-based capital ratio | 13.7743% | 3,999 |
| Total risk-based capital ratio | 15.0357% | 3,949 |
| Memoranda: | ||
| Average total assets | $369,120,750 | 1,799 |
| Average earning assets | $352,272,000 | 1,726 |
| Average equity | $28,955,000 | 2,276 |
| Average total loans | $247,700,250 | 1,796 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9052% | 5,362 |
| Cost of funding earning assets | 1.2213% | 5,009 |
| Net interest margin | 3.6840% | 4,435 |
| Noninterest income to average assets | 0.5294% | 3,882 |
| Noninterest expense to average assets | 2.8801% | 4,150 |
| Loan and lease loss provision to assets | 0.1268% | 5,616 |
| Net operating income to assets | 0.7439% | 3,221 |
| Return on assets (ROA) | 0.7439% | 3,369 |
| Pretax return on assets | 1.0406% | 2,974 |
| Return on Equity (ROE) | 9.4218% | 2,307 |
| Retained earnings to average equity (ytd only) | 5.9087% | 2,382 |
| Net charge-offs to loans | 0.0648% | 5,493 |
| Credit loss provision to net charge-offs | 283.9506% | 1,308 |
| Earnings coverage of net charge-offs (x) | 26.1358% | 1,009 |
| Efficiency ratio | 71.1308% | 3,965 |
| Assets per employee ($millions) | 3.1813% | 5,722 |
| Cash dividends to net income (ytd only)* | 37.2869% | 2,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8266% | 2,647 |
| Loan loss allowance to noncurrent loans | 120.3050% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 1.1072% | 4,924 |
| Noncurrent loans to loans | 1.5183% | 4,431 |
| Net loans and leases to total assets | 67.8330% | 3,407 |
| Net loans and leases to deposits | 86.8719% | 2,364 |
| Net loans and leases to core deposits | 90.9770% | 3,125 |
| Total domestic deposits to total assets | 78.0839% | 6,250 |
| Equity capital to assets | 8.2167% | 6,522 |
| Core capital (leverage) ratio | 7.9480% | 6,329 |
| Tier 1 risk-based capital ratio | 13.2813% | 4,220 |
| Total risk-based capital ratio | 14.5421% | 4,175 |
| Memoranda: | ||
| Average total assets | $362,689,670 | 1,842 |
| Average earning assets | $346,366,000 | 1,764 |
| Average equity | $28,635,670 | 2,294 |
| Average total loans | $249,912,330 | 1,817 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9326% | 5,297 |
| Cost of funding earning assets | 1.2363% | 5,199 |
| Net interest margin | 3.6963% | 4,263 |
| Noninterest income to average assets | 0.5368% | 3,761 |
| Noninterest expense to average assets | 2.9102% | 4,017 |
| Loan and lease loss provision to assets | 0.1531% | 5,005 |
| Net operating income to assets | 0.7248% | 3,332 |
| Return on assets (ROA) | 0.7248% | 3,443 |
| Pretax return on assets | 1.0069% | 3,066 |
| Return on Equity (ROE) | 9.3661% | 2,349 |
| Retained earnings to average equity (ytd only) | 6.1169% | 2,566 |
| Net charge-offs to loans | 0.0985% | 4,435 |
| Credit loss provision to net charge-offs | 225.8065% | 1,675 |
| Earnings coverage of net charge-offs (x) | 17.1129% | 1,301 |
| Efficiency ratio | 71.4746% | 4,028 |
| Assets per employee ($millions) | 3.4222% | 5,225 |
| Cash dividends to net income (ytd only)* | 34.6908% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7681% | 2,831 |
| Loan loss allowance to noncurrent loans | 162.6010% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 0.7434% | 5,667 |
| Noncurrent loans to loans | 1.0874% | 5,183 |
| Net loans and leases to total assets | 67.1540% | 3,591 |
| Net loans and leases to deposits | 85.1511% | 2,739 |
| Net loans and leases to core deposits | 89.2365% | 3,467 |
| Total domestic deposits to total assets | 78.8645% | 6,108 |
| Equity capital to assets | 7.8227% | 6,827 |
| Core capital (leverage) ratio | 7.7480% | 6,570 |
| Tier 1 risk-based capital ratio | 12.9151% | 4,395 |
| Total risk-based capital ratio | 14.1753% | 4,365 |
| Memoranda: | ||
| Average total assets | $365,880,000 | 1,871 |
| Average earning assets | $349,752,500 | 1,784 |
| Average equity | $28,315,000 | 2,348 |
| Average total loans | $251,772,500 | 1,853 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4526% | 4,424 |
| Cost of funding earning assets | 1.4095% | 5,890 |
| Net interest margin | 4.0431% | 2,682 |
| Noninterest income to average assets | 0.5733% | 3,829 |
| Noninterest expense to average assets | 3.2072% | 3,353 |
| Loan and lease loss provision to assets | 0.2546% | 5,358 |
| Net operating income to assets | 0.7139% | 2,876 |
| Return on assets (ROA) | 0.7108% | 2,955 |
| Pretax return on assets | 0.9611% | 2,724 |
| Return on Equity (ROE) | 9.6146% | 1,814 |
| Retained earnings to average equity (ytd only) | 6.0565% | 1,328 |
| Net charge-offs to loans | 0.1230% | 5,954 |
| Credit loss provision to net charge-offs | 283.0189% | 1,191 |
| Earnings coverage of net charge-offs (x) | 13.5629% | 1,418 |
| Efficiency ratio | 72.4125% | 4,196 |
| Assets per employee ($millions) | 3.3235% | 5,446 |
| Cash dividends to net income (ytd only)* | 37.0076% | 3,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7171% | 2,843 |
| Loan loss allowance to noncurrent loans | 163.9517% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 0.7254% | 5,659 |
| Noncurrent loans to loans | 1.0473% | 5,223 |
| Net loans and leases to total assets | 68.0744% | 3,692 |
| Net loans and leases to deposits | 86.0948% | 2,901 |
| Net loans and leases to core deposits | 95.1880% | 4,550 |
| Total domestic deposits to total assets | 79.0691% | 5,958 |
| Equity capital to assets | 7.6549% | 6,896 |
| Core capital (leverage) ratio | 7.4595% | 6,828 |
| Tier 1 risk-based capital ratio | 12.6162% | 4,430 |
| Total risk-based capital ratio | 13.8757% | 4,362 |
| Memoranda: | ||
| Average total assets | $353,546,800 | 1,920 |
| Average earning assets | $336,992,800 | 1,850 |
| Average equity | $26,137,400 | 2,514 |
| Average total loans | $258,616,800 | 1,843 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5336% | 4,252 |
| Cost of funding earning assets | 1.4366% | 6,098 |
| Net interest margin | 4.0969% | 2,410 |
| Noninterest income to average assets | 0.5804% | 3,848 |
| Noninterest expense to average assets | 3.2285% | 3,202 |
| Loan and lease loss provision to assets | 0.2567% | 4,897 |
| Net operating income to assets | 0.7272% | 3,107 |
| Return on assets (ROA) | 0.7231% | 3,196 |
| Pretax return on assets | 0.9901% | 2,938 |
| Return on Equity (ROE) | 9.8717% | 1,964 |
| Retained earnings to average equity (ytd only) | 6.4963% | 1,709 |
| Net charge-offs to loans | 0.1226% | 5,473 |
| Credit loss provision to net charge-offs | 282.4268% | 1,490 |
| Earnings coverage of net charge-offs (x) | 13.7782% | 1,652 |
| Efficiency ratio | 72.0227% | 4,238 |
| Assets per employee ($millions) | 3.3786% | 5,209 |
| Cash dividends to net income (ytd only)* | 34.1928% | 2,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6732% | 2,723 |
| Loan loss allowance to noncurrent loans | 138.2237% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 0.9446% | 5,179 |
| Noncurrent loans to loans | 1.2105% | 4,921 |
| Net loans and leases to total assets | 68.9513% | 3,719 |
| Net loans and leases to deposits | 88.1153% | 2,933 |
| Net loans and leases to core deposits | 98.0749% | 4,588 |
| Total domestic deposits to total assets | 78.2513% | 6,011 |
| Equity capital to assets | 7.5989% | 7,221 |
| Core capital (leverage) ratio | 7.9755% | 6,403 |
| Tier 1 risk-based capital ratio | 12.6107% | 4,464 |
| Total risk-based capital ratio | 13.8696% | 4,410 |
| Memoranda: | ||
| Average total assets | $350,537,500 | 1,947 |
| Average earning assets | $333,736,500 | 1,879 |
| Average equity | $25,675,500 | 2,575 |
| Average total loans | $259,966,750 | 1,857 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6590% | 3,773 |
| Cost of funding earning assets | 1.4912% | 6,176 |
| Net interest margin | 4.1677% | 2,104 |
| Noninterest income to average assets | 0.5891% | 3,775 |
| Noninterest expense to average assets | 3.2453% | 3,168 |
| Loan and lease loss provision to assets | 0.3017% | 4,148 |
| Net operating income to assets | 0.7327% | 3,123 |
| Return on assets (ROA) | 0.7264% | 3,251 |
| Pretax return on assets | 0.9942% | 3,034 |
| Return on Equity (ROE) | 10.0466% | 2,006 |
| Retained earnings to average equity (ytd only) | 7.0501% | 1,564 |
| Net charge-offs to loans | 0.0936% | 5,246 |
| Credit loss provision to net charge-offs | 426.8293% | 1,087 |
| Earnings coverage of net charge-offs (x) | 18.4553% | 1,411 |
| Efficiency ratio | 71.3023% | 4,536 |
| Assets per employee ($millions) | 3.0020% | 6,126 |
| Cash dividends to net income (ytd only)* | 29.8259% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6182% | 2,669 |
| Loan loss allowance to noncurrent loans | 139.2583% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 1.2503% | 4,438 |
| Noncurrent loans to loans | 1.1620% | 4,893 |
| Net loans and leases to total assets | 74.0465% | 2,682 |
| Net loans and leases to deposits | 95.3432% | 1,897 |
| Net loans and leases to core deposits | 108.2607% | 3,578 |
| Total domestic deposits to total assets | 77.6631% | 6,164 |
| Equity capital to assets | 7.4979% | 7,267 |
| Core capital (leverage) ratio | 7.8766% | 6,522 |
| Tier 1 risk-based capital ratio | 12.3049% | 4,670 |
| Total risk-based capital ratio | 13.5632% | 4,588 |
| Memoranda: | ||
| Average total assets | $348,006,330 | 1,988 |
| Average earning assets | $330,732,330 | 1,911 |
| Average equity | $25,162,670 | 2,623 |
| Average total loans | $262,909,670 | 1,871 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7381% | 3,599 |
| Cost of funding earning assets | 1.5312% | 6,305 |
| Net interest margin | 4.2069% | 1,870 |
| Noninterest income to average assets | 0.5916% | 3,613 |
| Noninterest expense to average assets | 3.2215% | 2,892 |
| Loan and lease loss provision to assets | 0.3420% | 3,277 |
| Net operating income to assets | 0.7536% | 3,334 |
| Return on assets (ROA) | 0.7375% | 3,586 |
| Pretax return on assets | 0.9997% | 3,346 |
| Return on Equity (ROE) | 10.3877% | 2,173 |
| Retained earnings to average equity (ytd only) | 8.7019% | 1,566 |
| Net charge-offs to loans | 0.0467% | 4,826 |
| Credit loss provision to net charge-offs | 967.7419% | 646 |
| Earnings coverage of net charge-offs (x) | 38.5806% | 879 |
| Efficiency ratio | 70.2387% | 4,523 |
| Assets per employee ($millions) | 3.1988% | 5,595 |
| Cash dividends to net income (ytd only)* | 16.2287% | 2,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5366% | 2,779 |
| Loan loss allowance to noncurrent loans | 117.4331% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 1.0400% | 4,613 |
| Noncurrent loans to loans | 1.3085% | 4,360 |
| Net loans and leases to total assets | 74.8414% | 2,543 |
| Net loans and leases to deposits | 96.6037% | 1,855 |
| Net loans and leases to core deposits | 109.3742% | 3,514 |
| Total domestic deposits to total assets | 77.4726% | 6,157 |
| Equity capital to assets | 7.3199% | 7,479 |
| Core capital (leverage) ratio | 7.6619% | 6,935 |
| Tier 1 risk-based capital ratio | 12.1288% | 4,840 |
| Total risk-based capital ratio | 13.3863% | 4,736 |
| Memoranda: | ||
| Average total assets | $350,895,500 | 1,983 |
| Average earning assets | $333,071,500 | 1,898 |
| Average equity | $24,914,000 | 2,660 |
| Average total loans | $265,576,500 | 1,869 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9890% | 5,599 |
| Cost of funding earning assets | 1.8715% | 6,822 |
| Net interest margin | 4.1174% | 2,633 |
| Noninterest income to average assets | 0.5595% | 4,166 |
| Noninterest expense to average assets | 2.9584% | 4,234 |
| Loan and lease loss provision to assets | 0.3621% | 3,516 |
| Net operating income to assets | 0.8013% | 3,432 |
| Return on assets (ROA) | 0.7089% | 3,687 |
| Pretax return on assets | 0.9869% | 3,426 |
| Return on Equity (ROE) | 9.5543% | 2,416 |
| Retained earnings to average equity (ytd only) | 5.0154% | 2,021 |
| Net charge-offs to loans | 0.1665% | 4,537 |
| Credit loss provision to net charge-offs | 288.6364% | 1,573 |
| Earnings coverage of net charge-offs (x) | 11.7750% | 2,334 |
| Efficiency ratio | 66.6624% | 4,988 |
| Assets per employee ($millions) | 3.2690% | 5,291 |
| Cash dividends to net income (ytd only)* | 47.5060% | 3,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4023% | 3,179 |
| Loan loss allowance to noncurrent loans | 119.9363% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 0.9253% | 4,519 |
| Noncurrent loans to loans | 1.1692% | 4,186 |
| Net loans and leases to total assets | 74.3143% | 3,029 |
| Net loans and leases to deposits | 101.5813% | 1,628 |
| Net loans and leases to core deposits | 114.8977% | 3,245 |
| Total domestic deposits to total assets | 73.1575% | 6,801 |
| Equity capital to assets | 6.8870% | 7,787 |
| Core capital (leverage) ratio | 7.2690% | 7,450 |
| Tier 1 risk-based capital ratio | 11.4035% | 5,329 |
| Total risk-based capital ratio | 12.6589% | 5,229 |
| Memoranda: | ||
| Average total assets | $350,690,800 | 1,898 |
| Average earning assets | $330,158,000 | 1,852 |
| Average equity | $26,019,800 | 2,558 |
| Average total loans | $264,323,000 | 1,806 |