Home > Bank of Hays > Performance and Condition Ratios
Bank of Hays, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0706% | 2,982 |
| Cost of funding earning assets | 1.8432% | 2,340 |
| Net interest margin | 3.2274% | 2,949 |
| Noninterest income to average assets | 0.2500% | 3,214 |
| Noninterest expense to average assets | 1.7921% | 3,928 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.1975% | 1,745 |
| Return on assets (ROA) | 1.2081% | 1,721 |
| Pretax return on assets | 1.5256% | 1,458 |
| Return on Equity (ROE) | 14.4100% | 1,188 |
| Retained earnings to average equity (ytd only) | -17.3683% | 4,360 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 54.2339% | 3,582 |
| Assets per employee ($millions) | 11.3925% | 533 |
| Cash dividends to net income (ytd only)* | 220.4963% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3942% | 1,314 |
| Loan loss allowance to noncurrent loans | 263.3673% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 0.2965% | 2,093 |
| Noncurrent loans to loans | 0.5294% | 1,790 |
| Net loans and leases to total assets | 55.2300% | 3,262 |
| Net loans and leases to deposits | 61.9896% | 3,383 |
| Net loans and leases to core deposits | 72.8712% | 3,139 |
| Total domestic deposits to total assets | 89.1000% | 1,145 |
| Equity capital to assets | 8.2513% | 3,466 |
| Core capital (leverage) ratio | 9.5184% | 3,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $360,249,500 | 2,217 |
| Average earning assets | $340,708,500 | 2,178 |
| Average equity | $30,193,000 | 2,418 |
| Average total loans | $207,359,500 | 2,365 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8427% | 3,353 |
| Cost of funding earning assets | 1.9321% | 2,383 |
| Net interest margin | 2.9106% | 3,309 |
| Noninterest income to average assets | 0.2800% | 3,178 |
| Noninterest expense to average assets | 1.7262% | 4,051 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.9798% | 2,122 |
| Return on assets (ROA) | 1.0238% | 1,975 |
| Pretax return on assets | 1.3451% | 1,646 |
| Return on Equity (ROE) | 12.6500% | 1,443 |
| Retained earnings to average equity (ytd only) | 5.0804% | 2,214 |
| Net charge-offs to loans | -0.0055% | 3,928 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 57.2416% | 3,432 |
| Assets per employee ($millions) | 11.4819% | 498 |
| Cash dividends to net income (ytd only)* | 59.8493% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3524% | 1,463 |
| Loan loss allowance to noncurrent loans | 210.7328% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 0.3796% | 1,778 |
| Noncurrent loans to loans | 0.6418% | 1,518 |
| Net loans and leases to total assets | 58.3400% | 3,076 |
| Net loans and leases to deposits | 67.7625% | 3,092 |
| Net loans and leases to core deposits | 79.3913% | 2,819 |
| Total domestic deposits to total assets | 86.1000% | 2,189 |
| Equity capital to assets | 8.5141% | 3,187 |
| Core capital (leverage) ratio | 10.0545% | 2,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $350,077,000 | 2,235 |
| Average earning assets | $329,483,200 | 2,213 |
| Average equity | $28,324,800 | 2,451 |
| Average total loans | $201,243,200 | 2,359 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8067% | 3,375 |
| Cost of funding earning assets | 1.9461% | 2,341 |
| Net interest margin | 2.8606% | 3,352 |
| Noninterest income to average assets | 0.2700% | 3,229 |
| Noninterest expense to average assets | 1.7088% | 4,064 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.9374% | 2,256 |
| Return on assets (ROA) | 0.9963% | 2,074 |
| Pretax return on assets | 1.3313% | 1,684 |
| Return on Equity (ROE) | 12.4800% | 1,492 |
| Retained earnings to average equity (ytd only) | 2.2038% | 3,411 |
| Net charge-offs to loans | -0.0067% | 3,918 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 57.6219% | 3,390 |
| Assets per employee ($millions) | 10.8181% | 604 |
| Cash dividends to net income (ytd only)* | 82.3417% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4169% | 1,287 |
| Loan loss allowance to noncurrent loans | 262.0626% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 0.3137% | 1,958 |
| Noncurrent loans to loans | 0.5407% | 1,740 |
| Net loans and leases to total assets | 57.2000% | 3,162 |
| Net loans and leases to deposits | 67.2484% | 3,166 |
| Net loans and leases to core deposits | 77.3568% | 2,998 |
| Total domestic deposits to total assets | 85.0600% | 2,269 |
| Equity capital to assets | 8.8489% | 3,135 |
| Core capital (leverage) ratio | 9.9650% | 2,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $348,611,500 | 2,232 |
| Average earning assets | $327,898,000 | 2,216 |
| Average equity | $27,829,750 | 2,476 |
| Average total loans | $198,924,500 | 2,368 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7285% | 3,413 |
| Cost of funding earning assets | 1.9161% | 2,313 |
| Net interest margin | 2.8124% | 3,400 |
| Noninterest income to average assets | 0.2300% | 3,492 |
| Noninterest expense to average assets | 1.6782% | 4,108 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.8946% | 2,326 |
| Return on assets (ROA) | 0.9828% | 2,048 |
| Pretax return on assets | 1.3113% | 1,672 |
| Return on Equity (ROE) | 12.7700% | 1,424 |
| Retained earnings to average equity (ytd only) | -3.1827% | 4,226 |
| Net charge-offs to loans | -0.0050% | 3,802 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 58.3134% | 3,361 |
| Assets per employee ($millions) | 11.0523% | 529 |
| Cash dividends to net income (ytd only)* | 124.9272% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4067% | 1,354 |
| Loan loss allowance to noncurrent loans | 259.2153% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 0.3099% | 1,924 |
| Noncurrent loans to loans | 0.5427% | 1,653 |
| Net loans and leases to total assets | 56.3000% | 3,238 |
| Net loans and leases to deposits | 65.2400% | 3,298 |
| Net loans and leases to core deposits | 76.1711% | 3,026 |
| Total domestic deposits to total assets | 86.3000% | 1,893 |
| Equity capital to assets | 7.7136% | 3,615 |
| Core capital (leverage) ratio | 9.8096% | 2,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $349,422,333 | 2,214 |
| Average earning assets | $328,687,333 | 2,199 |
| Average equity | $26,895,333 | 2,489 |
| Average total loans | $198,277,000 | 2,364 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6350% | 3,466 |
| Cost of funding earning assets | 1.8484% | 2,371 |
| Net interest margin | 2.7866% | 3,395 |
| Noninterest income to average assets | 0.2400% | 3,362 |
| Noninterest expense to average assets | 1.7069% | 4,091 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.7958% | 2,552 |
| Return on assets (ROA) | 0.9732% | 2,019 |
| Pretax return on assets | 1.3913% | 1,454 |
| Return on Equity (ROE) | 12.6600% | 1,415 |
| Retained earnings to average equity (ytd only) | -19.4738% | 4,433 |
| Net charge-offs to loans | -0.0224% | 4,142 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 59.3988% | 3,316 |
| Assets per employee ($millions) | 11.0707% | 537 |
| Cash dividends to net income (ytd only)* | 253.8462% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4524% | 1,214 |
| Loan loss allowance to noncurrent loans | 260.2377% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 0.3188% | 1,835 |
| Noncurrent loans to loans | 0.5581% | 1,531 |
| Net loans and leases to total assets | 56.2900% | 3,173 |
| Net loans and leases to deposits | 63.7996% | 3,311 |
| Net loans and leases to core deposits | 72.4958% | 3,188 |
| Total domestic deposits to total assets | 88.2200% | 1,351 |
| Equity capital to assets | 7.5637% | 3,640 |
| Core capital (leverage) ratio | 9.6335% | 3,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $347,296,500 | 2,219 |
| Average earning assets | $327,852,000 | 2,202 |
| Average equity | $26,702,500 | 2,504 |
| Average total loans | $196,437,500 | 2,376 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0928% | 3,820 |
| Cost of funding earning assets | 1.5121% | 1,917 |
| Net interest margin | 2.5807% | 3,990 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 1.6346% | 4,211 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8050% | 2,859 |
| Return on assets (ROA) | 0.8244% | 2,771 |
| Pretax return on assets | 1.0459% | 2,545 |
| Return on Equity (ROE) | 11.7600% | 2,018 |
| Retained earnings to average equity (ytd only) | 3.3461% | 3,182 |
| Net charge-offs to loans | 0.0027% | 2,694 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 715.8000% | 199 |
| Efficiency ratio | 61.5451% | 2,900 |
| Assets per employee ($millions) | 10.9813% | 529 |
| Cash dividends to net income (ytd only)* | 71.5472% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4406% | 1,231 |
| Loan loss allowance to noncurrent loans | 253.2143% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 0.3187% | 1,669 |
| Noncurrent loans to loans | 0.5689% | 1,376 |
| Net loans and leases to total assets | 55.2100% | 3,264 |
| Net loans and leases to deposits | 64.2819% | 3,278 |
| Net loans and leases to core deposits | 72.3277% | 3,170 |
| Total domestic deposits to total assets | 85.8900% | 2,057 |
| Equity capital to assets | 7.8108% | 3,536 |
| Core capital (leverage) ratio | 9.9670% | 2,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $350,422,800 | 2,196 |
| Average earning assets | $329,215,000 | 2,179 |
| Average equity | $24,565,800 | 2,545 |
| Average total loans | $185,841,000 | 2,386 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9519% | 3,919 |
| Cost of funding earning assets | 1.4148% | 1,823 |
| Net interest margin | 2.5370% | 4,107 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 1.6170% | 4,223 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7859% | 3,070 |
| Return on assets (ROA) | 0.8118% | 2,981 |
| Pretax return on assets | 1.0250% | 2,783 |
| Return on Equity (ROE) | 11.9200% | 2,142 |
| Retained earnings to average equity (ytd only) | 0.3634% | 4,060 |
| Net charge-offs to loans | -0.0007% | 3,455 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 61.9729% | 2,719 |
| Assets per employee ($millions) | 10.7857% | 533 |
| Cash dividends to net income (ytd only)* | 96.9512% | 257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4947% | 1,123 |
| Loan loss allowance to noncurrent loans | 255.3459% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 0.3225% | 1,735 |
| Noncurrent loans to loans | 0.5854% | 1,371 |
| Net loans and leases to total assets | 54.2700% | 3,341 |
| Net loans and leases to deposits | 62.0067% | 3,401 |
| Net loans and leases to core deposits | 69.2444% | 3,247 |
| Total domestic deposits to total assets | 87.5200% | 1,733 |
| Equity capital to assets | 6.7682% | 3,720 |
| Core capital (leverage) ratio | 9.6871% | 3,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $350,178,500 | 2,199 |
| Average earning assets | $328,984,000 | 2,187 |
| Average equity | $23,845,500 | 2,576 |
| Average total loans | $183,086,250 | 2,417 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7696% | 4,060 |
| Cost of funding earning assets | 1.2497% | 1,852 |
| Net interest margin | 2.5199% | 4,188 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 1.5967% | 4,262 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7879% | 3,113 |
| Return on assets (ROA) | 0.8270% | 3,006 |
| Pretax return on assets | 1.0345% | 2,818 |
| Return on Equity (ROE) | 12.1200% | 2,116 |
| Retained earnings to average equity (ytd only) | -5.0984% | 4,424 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 61.8314% | 2,733 |
| Assets per employee ($millions) | 11.2294% | 481 |
| Cash dividends to net income (ytd only)* | 142.0619% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5459% | 1,049 |
| Loan loss allowance to noncurrent loans | 259.6892% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 0.3143% | 1,661 |
| Noncurrent loans to loans | 0.5953% | 1,257 |
| Net loans and leases to total assets | 51.9700% | 3,412 |
| Net loans and leases to deposits | 61.5794% | 3,334 |
| Net loans and leases to core deposits | 68.2356% | 3,222 |
| Total domestic deposits to total assets | 84.4000% | 2,722 |
| Equity capital to assets | 6.9544% | 3,820 |
| Core capital (leverage) ratio | 9.5526% | 3,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $351,857,333 | 2,198 |
| Average earning assets | $330,330,333 | 2,187 |
| Average equity | $24,007,333 | 2,571 |
| Average total loans | $180,736,667 | 2,434 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6649% | 4,079 |
| Cost of funding earning assets | 1.0983% | 1,754 |
| Net interest margin | 2.5666% | 4,241 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 1.6091% | 4,298 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8351% | 3,071 |
| Return on assets (ROA) | 0.9148% | 2,765 |
| Pretax return on assets | 1.1172% | 2,665 |
| Return on Equity (ROE) | 13.5400% | 1,871 |
| Retained earnings to average equity (ytd only) | -21.0487% | 4,601 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.2043% | 2,790 |
| Assets per employee ($millions) | 10.9193% | 521 |
| Cash dividends to net income (ytd only)* | 255.5006% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5767% | 1,057 |
| Loan loss allowance to noncurrent loans | 167.4131% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 0.4857% | 1,062 |
| Noncurrent loans to loans | 0.9418% | 797 |
| Net loans and leases to total assets | 50.7600% | 3,438 |
| Net loans and leases to deposits | 56.2038% | 3,560 |
| Net loans and leases to core deposits | 59.8117% | 3,550 |
| Total domestic deposits to total assets | 90.3100% | 1,045 |
| Equity capital to assets | 6.8660% | 3,885 |
| Core capital (leverage) ratio | 9.2592% | 3,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $353,730,000 | 2,218 |
| Average earning assets | $331,796,500 | 2,204 |
| Average equity | $23,906,500 | 2,607 |
| Average total loans | $179,219,500 | 2,460 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1467% | 3,909 |
| Cost of funding earning assets | 0.4550% | 1,682 |
| Net interest margin | 2.6917% | 4,064 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 1.5800% | 4,329 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9371% | 2,825 |
| Return on assets (ROA) | 0.9548% | 2,696 |
| Pretax return on assets | 1.2043% | 2,423 |
| Return on Equity (ROE) | 13.5100% | 1,652 |
| Retained earnings to average equity (ytd only) | 4.9927% | 3,058 |
| Net charge-offs to loans | 0.0081% | 2,083 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 300.8571% | 486 |
| Efficiency ratio | 57.2082% | 3,439 |
| Assets per employee ($millions) | 11.5498% | 445 |
| Cash dividends to net income (ytd only)* | 63.0326% | 854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5938% | 989 |
| Loan loss allowance to noncurrent loans | 258.7432% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 0.3067% | 1,626 |
| Noncurrent loans to loans | 0.6160% | 1,211 |
| Net loans and leases to total assets | 48.9900% | 3,588 |
| Net loans and leases to deposits | 54.6800% | 3,642 |
| Net loans and leases to core deposits | 57.7472% | 3,631 |
| Total domestic deposits to total assets | 89.6000% | 1,514 |
| Equity capital to assets | 6.6534% | 3,836 |
| Core capital (leverage) ratio | 9.5444% | 3,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $356,400,800 | 2,200 |
| Average earning assets | $335,809,200 | 2,174 |
| Average equity | $25,197,000 | 2,572 |
| Average total loans | $172,152,600 | 2,435 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0239% | 3,845 |
| Cost of funding earning assets | 0.3198% | 1,960 |
| Net interest margin | 2.7041% | 3,915 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 1.5667% | 4,342 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9633% | 2,613 |
| Return on assets (ROA) | 0.9873% | 2,496 |
| Pretax return on assets | 1.2401% | 2,231 |
| Return on Equity (ROE) | 13.7600% | 1,494 |
| Retained earnings to average equity (ytd only) | 2.5632% | 3,903 |
| Net charge-offs to loans | 0.0117% | 1,678 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 215.4000% | 598 |
| Efficiency ratio | 56.4203% | 3,582 |
| Assets per employee ($millions) | 11.0678% | 488 |
| Cash dividends to net income (ytd only)* | 81.3733% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6096% | 1,044 |
| Loan loss allowance to noncurrent loans | 6,761.9048% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.0119% | 3,856 |
| Noncurrent loans to loans | 0.0238% | 3,734 |
| Net loans and leases to total assets | 49.0200% | 3,530 |
| Net loans and leases to deposits | 53.8072% | 3,614 |
| Net loans and leases to core deposits | 56.7430% | 3,576 |
| Total domestic deposits to total assets | 91.1000% | 1,202 |
| Equity capital to assets | 5.9957% | 3,969 |
| Core capital (leverage) ratio | 9.1113% | 3,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $355,990,000 | 2,214 |
| Average earning assets | $336,422,750 | 2,180 |
| Average equity | $25,540,750 | 2,595 |
| Average total loans | $170,628,000 | 2,452 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8477% | 3,900 |
| Cost of funding earning assets | 0.2419% | 2,370 |
| Net interest margin | 2.6058% | 3,899 |
| Noninterest income to average assets | 0.2232% | 3,859 |
| Noninterest expense to average assets | 1.5642% | 4,339 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9029% | 2,567 |
| Return on assets (ROA) | 0.9383% | 2,385 |
| Pretax return on assets | 1.1688% | 2,176 |
| Return on Equity (ROE) | 12.4036% | 1,545 |
| Retained earnings to average equity (ytd only) | -3.4994% | 4,481 |
| Net charge-offs to loans | -0.0012% | 3,057 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1769% | 3,537 |
| Assets per employee ($millions) | 11.4519% | 443 |
| Cash dividends to net income (ytd only)* | 128.2128% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6708% | 1,009 |
| Loan loss allowance to noncurrent loans | 2,462.0690% | 457 |
| Noncurrent assets plus other real estate owned to assets | 0.0327% | 3,653 |
| Noncurrent loans to loans | 0.0679% | 3,458 |
| Net loans and leases to total assets | 47.3440% | 3,601 |
| Net loans and leases to deposits | 52.5138% | 3,648 |
| Net loans and leases to core deposits | 55.2486% | 3,629 |
| Total domestic deposits to total assets | 90.1554% | 1,647 |
| Equity capital to assets | 6.7384% | 3,917 |
| Core capital (leverage) ratio | 8.8138% | 3,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $356,596,333 | 2,219 |
| Average earning assets | $337,397,333 | 2,194 |
| Average equity | $26,976,000 | 2,582 |
| Average total loans | $168,689,667 | 2,475 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9265% | 3,466 |
| Cost of funding earning assets | 0.2101% | 2,668 |
| Net interest margin | 2.7163% | 3,370 |
| Noninterest income to average assets | 0.2339% | 3,742 |
| Noninterest expense to average assets | 1.6005% | 4,299 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9805% | 1,965 |
| Return on assets (ROA) | 1.0521% | 1,673 |
| Pretax return on assets | 1.2972% | 1,517 |
| Return on Equity (ROE) | 13.1916% | 998 |
| Retained earnings to average equity (ytd only) | -16.9105% | 4,667 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9721% | 3,788 |
| Assets per employee ($millions) | 11.2643% | 472 |
| Cash dividends to net income (ytd only)* | 228.1915% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7132% | 1,028 |
| Loan loss allowance to noncurrent loans | 1,942.1769% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.0408% | 3,622 |
| Noncurrent loans to loans | 0.0882% | 3,397 |
| Net loans and leases to total assets | 45.4404% | 3,630 |
| Net loans and leases to deposits | 49.6901% | 3,756 |
| Net loans and leases to core deposits | 52.2139% | 3,714 |
| Total domestic deposits to total assets | 91.4476% | 833 |
| Equity capital to assets | 6.9370% | 4,238 |
| Core capital (leverage) ratio | 8.5586% | 3,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $357,390,500 | 2,222 |
| Average earning assets | $338,839,500 | 2,197 |
| Average equity | $28,503,000 | 2,568 |
| Average total loans | $167,569,000 | 2,480 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6737% | 2,188 |
| Cost of funding earning assets | 0.2912% | 2,494 |
| Net interest margin | 3.3825% | 2,085 |
| Noninterest income to average assets | 0.2907% | 3,656 |
| Noninterest expense to average assets | 1.6614% | 4,350 |
| Loan and lease loss provision to assets | 0.0811% | 1,507 |
| Net operating income to assets | 1.3657% | 1,394 |
| Return on assets (ROA) | 1.3904% | 1,364 |
| Pretax return on assets | 1.7801% | 955 |
| Return on Equity (ROE) | 14.7612% | 1,005 |
| Retained earnings to average equity (ytd only) | 8.4928% | 1,345 |
| Net charge-offs to loans | 0.0330% | 1,578 |
| Credit loss provision to net charge-offs | 454.2373% | 850 |
| Earnings coverage of net charge-offs (x) | 102.4407% | 870 |
| Efficiency ratio | 47.5848% | 4,431 |
| Assets per employee ($millions) | 11.4297% | 454 |
| Cash dividends to net income (ytd only)* | 42.4652% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6945% | 1,059 |
| Loan loss allowance to noncurrent loans | 1,106.5891% | 814 |
| Noncurrent assets plus other real estate owned to assets | 0.0728% | 3,446 |
| Noncurrent loans to loans | 0.1531% | 3,170 |
| Net loans and leases to total assets | 46.7467% | 3,626 |
| Net loans and leases to deposits | 52.4100% | 3,708 |
| Net loans and leases to core deposits | 55.6777% | 3,645 |
| Total domestic deposits to total assets | 89.1943% | 1,419 |
| Equity capital to assets | 9.0316% | 3,588 |
| Core capital (leverage) ratio | 9.1440% | 3,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $330,270,800 | 2,291 |
| Average earning assets | $312,520,600 | 2,270 |
| Average equity | $31,108,600 | 2,464 |
| Average total loans | $178,977,800 | 2,392 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9837% | 1,579 |
| Cost of funding earning assets | 0.3144% | 2,460 |
| Net interest margin | 3.6693% | 1,407 |
| Noninterest income to average assets | 0.3059% | 3,600 |
| Noninterest expense to average assets | 1.6912% | 4,337 |
| Loan and lease loss provision to assets | 0.1101% | 1,102 |
| Net operating income to assets | 1.5372% | 1,174 |
| Return on assets (ROA) | 1.5703% | 1,150 |
| Pretax return on assets | 2.0165% | 774 |
| Return on Equity (ROE) | 16.4863% | 853 |
| Retained earnings to average equity (ytd only) | 8.0683% | 2,034 |
| Net charge-offs to loans | -0.0051% | 3,443 |
| Credit loss provision to net charge-offs | -3,828.5714% | 4,102 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7893% | 4,550 |
| Assets per employee ($millions) | 10.7531% | 518 |
| Cash dividends to net income (ytd only)* | 51.0605% | 1,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7720% | 984 |
| Loan loss allowance to noncurrent loans | 2,655.4545% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.0320% | 3,950 |
| Noncurrent loans to loans | 0.0667% | 3,762 |
| Net loans and leases to total assets | 47.0567% | 3,710 |
| Net loans and leases to deposits | 53.0565% | 3,808 |
| Net loans and leases to core deposits | 56.8465% | 3,712 |
| Total domestic deposits to total assets | 88.6916% | 1,465 |
| Equity capital to assets | 9.3604% | 3,500 |
| Core capital (leverage) ratio | 9.2300% | 3,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $324,258,000 | 2,347 |
| Average earning assets | $306,641,250 | 2,326 |
| Average equity | $30,885,500 | 2,505 |
| Average total loans | $181,600,000 | 2,413 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8003% | 2,067 |
| Cost of funding earning assets | 0.3407% | 2,398 |
| Net interest margin | 3.4596% | 1,976 |
| Noninterest income to average assets | 0.2651% | 3,811 |
| Noninterest expense to average assets | 1.6729% | 4,403 |
| Loan and lease loss provision to assets | 0.1687% | 688 |
| Net operating income to assets | 1.3254% | 1,788 |
| Return on assets (ROA) | 1.3751% | 1,716 |
| Pretax return on assets | 1.7535% | 1,348 |
| Return on Equity (ROE) | 14.3475% | 1,321 |
| Retained earnings to average equity (ytd only) | 1.5372% | 4,234 |
| Net charge-offs to loans | -0.0085% | 3,616 |
| Credit loss provision to net charge-offs | -3,350.0000% | 3,924 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3619% | 4,435 |
| Assets per employee ($millions) | 10.5482% | 515 |
| Cash dividends to net income (ytd only)* | 89.2857% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5971% | 1,280 |
| Loan loss allowance to noncurrent loans | 1,058.6957% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.0844% | 3,644 |
| Noncurrent loans to loans | 0.1509% | 3,445 |
| Net loans and leases to total assets | 55.0583% | 3,007 |
| Net loans and leases to deposits | 62.8684% | 3,118 |
| Net loans and leases to core deposits | 68.3578% | 2,926 |
| Total domestic deposits to total assets | 87.5772% | 2,054 |
| Equity capital to assets | 9.4414% | 3,391 |
| Core capital (leverage) ratio | 9.2311% | 3,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $317,644,667 | 2,370 |
| Average earning assets | $299,975,333 | 2,349 |
| Average equity | $30,444,333 | 2,514 |
| Average total loans | $187,186,000 | 2,372 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6211% | 2,577 |
| Cost of funding earning assets | 0.3601% | 2,443 |
| Net interest margin | 3.2611% | 2,513 |
| Noninterest income to average assets | 0.2518% | 3,889 |
| Noninterest expense to average assets | 1.7011% | 4,377 |
| Loan and lease loss provision to assets | 0.2505% | 419 |
| Net operating income to assets | 1.0976% | 2,486 |
| Return on assets (ROA) | 1.1988% | 2,228 |
| Pretax return on assets | 1.5056% | 1,976 |
| Return on Equity (ROE) | 12.4115% | 1,867 |
| Retained earnings to average equity (ytd only) | -13.3907% | 4,865 |
| Net charge-offs to loans | -0.0169% | 3,911 |
| Credit loss provision to net charge-offs | -2,450.0000% | 3,586 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0744% | 4,086 |
| Assets per employee ($millions) | 10.2645% | 549 |
| Cash dividends to net income (ytd only)* | 207.8891% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5123% | 1,562 |
| Loan loss allowance to noncurrent loans | 787.2928% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.1138% | 3,606 |
| Noncurrent loans to loans | 0.1921% | 3,416 |
| Net loans and leases to total assets | 58.3300% | 2,765 |
| Net loans and leases to deposits | 65.7310% | 2,947 |
| Net loans and leases to core deposits | 72.4124% | 2,663 |
| Total domestic deposits to total assets | 88.7404% | 1,473 |
| Equity capital to assets | 9.2401% | 3,458 |
| Core capital (leverage) ratio | 9.1809% | 3,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $312,969,500 | 2,382 |
| Average earning assets | $295,486,500 | 2,362 |
| Average equity | $30,230,000 | 2,526 |
| Average total loans | $189,299,000 | 2,357 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0876% | 2,456 |
| Cost of funding earning assets | 0.5131% | 2,864 |
| Net interest margin | 3.5745% | 2,234 |
| Noninterest income to average assets | 0.2539% | 3,964 |
| Noninterest expense to average assets | 1.8110% | 4,452 |
| Loan and lease loss provision to assets | 0.4135% | 730 |
| Net operating income to assets | 1.1362% | 1,780 |
| Return on assets (ROA) | 1.1502% | 1,848 |
| Pretax return on assets | 1.4593% | 1,475 |
| Return on Equity (ROE) | 11.2842% | 1,531 |
| Retained earnings to average equity (ytd only) | 4.6484% | 2,453 |
| Net charge-offs to loans | -0.0027% | 4,027 |
| Credit loss provision to net charge-offs | -23,840.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3992% | 4,570 |
| Assets per employee ($millions) | 9.9271% | 549 |
| Cash dividends to net income (ytd only)* | 58.8058% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3916% | 2,003 |
| Loan loss allowance to noncurrent loans | 709.3834% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.1336% | 3,617 |
| Noncurrent loans to loans | 0.1962% | 3,504 |
| Net loans and leases to total assets | 60.9270% | 2,742 |
| Net loans and leases to deposits | 71.5022% | 2,734 |
| Net loans and leases to core deposits | 78.9809% | 2,459 |
| Total domestic deposits to total assets | 85.2099% | 2,680 |
| Equity capital to assets | 10.0923% | 3,041 |
| Core capital (leverage) ratio | 9.5440% | 3,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $288,294,600 | 2,351 |
| Average earning assets | $275,200,800 | 2,319 |
| Average equity | $29,386,200 | 2,510 |
| Average total loans | $182,393,200 | 2,392 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1020% | 2,668 |
| Cost of funding earning assets | 0.5506% | 2,922 |
| Net interest margin | 3.5514% | 2,418 |
| Noninterest income to average assets | 0.2507% | 3,979 |
| Noninterest expense to average assets | 1.8459% | 4,415 |
| Loan and lease loss provision to assets | 0.3302% | 1,177 |
| Net operating income to assets | 1.1675% | 1,753 |
| Return on assets (ROA) | 1.1868% | 1,807 |
| Pretax return on assets | 1.5006% | 1,449 |
| Return on Equity (ROE) | 11.6124% | 1,474 |
| Retained earnings to average equity (ytd only) | 2.6373% | 3,671 |
| Net charge-offs to loans | -0.0081% | 4,174 |
| Credit loss provision to net charge-offs | -6,381.8182% | 4,272 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5410% | 4,454 |
| Assets per employee ($millions) | 9.7679% | 550 |
| Cash dividends to net income (ytd only)* | 77.2889% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0769% | 3,322 |
| Loan loss allowance to noncurrent loans | 515.9905% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.2323% | 3,285 |
| Noncurrent loans to loans | 0.2087% | 3,547 |
| Net loans and leases to total assets | 63.5388% | 2,821 |
| Net loans and leases to deposits | 76.7864% | 2,678 |
| Net loans and leases to core deposits | 88.6534% | 2,089 |
| Total domestic deposits to total assets | 82.7474% | 3,206 |
| Equity capital to assets | 9.6838% | 3,533 |
| Core capital (leverage) ratio | 9.4027% | 3,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $283,433,500 | 2,358 |
| Average earning assets | $271,472,000 | 2,317 |
| Average equity | $28,968,250 | 2,535 |
| Average total loans | $180,456,000 | 2,410 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9638% | 3,420 |
| Cost of funding earning assets | 0.6077% | 2,927 |
| Net interest margin | 3.3561% | 3,233 |
| Noninterest income to average assets | 0.2419% | 4,036 |
| Noninterest expense to average assets | 1.9940% | 4,244 |
| Loan and lease loss provision to assets | 0.2630% | 1,618 |
| Net operating income to assets | 1.0133% | 2,275 |
| Return on assets (ROA) | 1.0456% | 2,297 |
| Pretax return on assets | 1.2348% | 2,240 |
| Return on Equity (ROE) | 10.0299% | 1,974 |
| Retained earnings to average equity (ytd only) | -3.6377% | 4,704 |
| Net charge-offs to loans | -0.0150% | 4,321 |
| Credit loss provision to net charge-offs | -2,769.2308% | 3,969 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7322% | 3,729 |
| Assets per employee ($millions) | 9.4081% | 605 |
| Cash dividends to net income (ytd only)* | 136.2683% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9440% | 3,821 |
| Loan loss allowance to noncurrent loans | 341.8386% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 0.2020% | 3,529 |
| Noncurrent loans to loans | 0.2762% | 3,393 |
| Net loans and leases to total assets | 63.5026% | 2,938 |
| Net loans and leases to deposits | 74.3238% | 3,045 |
| Net loans and leases to core deposits | 82.6983% | 2,726 |
| Total domestic deposits to total assets | 85.4404% | 2,229 |
| Equity capital to assets | 9.6964% | 3,481 |
| Core capital (leverage) ratio | 9.3782% | 3,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $273,720,333 | 2,387 |
| Average earning assets | $261,969,667 | 2,353 |
| Average equity | $28,534,667 | 2,546 |
| Average total loans | $173,685,667 | 2,443 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3310% | 2,821 |
| Cost of funding earning assets | 0.6837% | 3,002 |
| Net interest margin | 3.6474% | 2,521 |
| Noninterest income to average assets | 0.2338% | 4,149 |
| Noninterest expense to average assets | 2.0227% | 4,357 |
| Loan and lease loss provision to assets | 0.2769% | 1,124 |
| Net operating income to assets | 1.1442% | 1,706 |
| Return on assets (ROA) | 1.2090% | 1,600 |
| Pretax return on assets | 1.4936% | 1,323 |
| Return on Equity (ROE) | 11.1466% | 1,374 |
| Retained earnings to average equity (ytd only) | -16.5071% | 4,919 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4739% | 4,362 |
| Assets per employee ($millions) | 7.8980% | 768 |
| Cash dividends to net income (ytd only)* | 248.0916% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0160% | 3,621 |
| Loan loss allowance to noncurrent loans | 50.0307% | 4,087 |
| Noncurrent assets plus other real estate owned to assets | 1.4323% | 769 |
| Noncurrent loans to loans | 2.0308% | 697 |
| Net loans and leases to total assets | 60.8906% | 3,412 |
| Net loans and leases to deposits | 69.8032% | 3,610 |
| Net loans and leases to core deposits | 79.1937% | 3,270 |
| Total domestic deposits to total assets | 87.2319% | 1,453 |
| Equity capital to assets | 10.6437% | 3,194 |
| Core capital (leverage) ratio | 10.4760% | 2,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $260,050,500 | 2,432 |
| Average earning assets | $248,070,500 | 2,382 |
| Average equity | $28,206,000 | 2,561 |
| Average total loans | $164,027,000 | 2,496 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2022% | 3,810 |
| Cost of funding earning assets | 0.7986% | 2,689 |
| Net interest margin | 3.4036% | 3,737 |
| Noninterest income to average assets | 0.2294% | 4,294 |
| Noninterest expense to average assets | 1.9151% | 4,644 |
| Loan and lease loss provision to assets | 0.3023% | 554 |
| Net operating income to assets | 1.0229% | 2,756 |
| Return on assets (ROA) | 1.0432% | 2,777 |
| Pretax return on assets | 1.2773% | 2,585 |
| Return on Equity (ROE) | 9.8000% | 2,393 |
| Retained earnings to average equity (ytd only) | 4.1209% | 2,905 |
| Net charge-offs to loans | 0.9183% | 174 |
| Credit loss provision to net charge-offs | 49.0258% | 3,137 |
| Earnings coverage of net charge-offs (x) | 2.5217% | 3,408 |
| Efficiency ratio | 55.1932% | 4,301 |
| Assets per employee ($millions) | 7.8627% | 753 |
| Cash dividends to net income (ytd only)* | 57.9495% | 1,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8639% | 4,110 |
| Loan loss allowance to noncurrent loans | 37.3646% | 4,319 |
| Noncurrent assets plus other real estate owned to assets | 1.6784% | 556 |
| Noncurrent loans to loans | 2.3121% | 513 |
| Net loans and leases to total assets | 64.0830% | 3,188 |
| Net loans and leases to deposits | 72.4551% | 3,480 |
| Net loans and leases to core deposits | 82.2691% | 3,103 |
| Total domestic deposits to total assets | 88.4452% | 909 |
| Equity capital to assets | 11.0499% | 2,945 |
| Core capital (leverage) ratio | 11.0337% | 2,474 |
| Tier 1 risk-based capital ratio | 15.8942% | 2,445 |
| Total risk-based capital ratio | 16.7109% | 2,522 |
| Memoranda: | ||
| Average total assets | $258,048,000 | 2,408 |
| Average earning assets | $245,682,200 | 2,369 |
| Average equity | $27,469,400 | 2,534 |
| Average total loans | $173,251,600 | 2,386 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2163% | 3,887 |
| Cost of funding earning assets | 0.8112% | 2,652 |
| Net interest margin | 3.4051% | 3,855 |
| Noninterest income to average assets | 0.2297% | 4,361 |
| Noninterest expense to average assets | 1.9113% | 4,684 |
| Loan and lease loss provision to assets | 0.2380% | 704 |
| Net operating income to assets | 1.0633% | 2,720 |
| Return on assets (ROA) | 1.0902% | 2,702 |
| Pretax return on assets | 1.3540% | 2,479 |
| Return on Equity (ROE) | 10.3399% | 2,274 |
| Retained earnings to average equity (ytd only) | 2.6844% | 4,017 |
| Net charge-offs to loans | 0.0504% | 2,110 |
| Credit loss provision to net charge-offs | 696.9697% | 481 |
| Earnings coverage of net charge-offs (x) | 45.6503% | 1,259 |
| Efficiency ratio | 55.0768% | 4,273 |
| Assets per employee ($millions) | 7.6988% | 772 |
| Cash dividends to net income (ytd only)* | 74.0391% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5678% | 1,068 |
| Loan loss allowance to noncurrent loans | 25.6996% | 4,562 |
| Noncurrent assets plus other real estate owned to assets | 4.2131% | 101 |
| Noncurrent loans to loans | 6.1004% | 72 |
| Net loans and leases to total assets | 65.5860% | 3,103 |
| Net loans and leases to deposits | 76.6294% | 3,235 |
| Net loans and leases to core deposits | 88.9290% | 2,643 |
| Total domestic deposits to total assets | 85.5886% | 2,175 |
| Equity capital to assets | 11.0969% | 3,014 |
| Core capital (leverage) ratio | 10.5764% | 3,030 |
| Tier 1 risk-based capital ratio | 15.3493% | 2,687 |
| Total risk-based capital ratio | 16.6022% | 2,624 |
| Memoranda: | ||
| Average total assets | $257,693,000 | 2,429 |
| Average earning assets | $245,231,250 | 2,385 |
| Average equity | $27,169,000 | 2,561 |
| Average total loans | $174,633,500 | 2,397 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1119% | 4,132 |
| Cost of funding earning assets | 0.7726% | 2,789 |
| Net interest margin | 3.3393% | 4,048 |
| Noninterest income to average assets | 0.2248% | 4,400 |
| Noninterest expense to average assets | 1.9227% | 4,720 |
| Loan and lease loss provision to assets | 0.2163% | 775 |
| Net operating income to assets | 1.0229% | 2,832 |
| Return on assets (ROA) | 1.0629% | 2,734 |
| Pretax return on assets | 1.3171% | 2,493 |
| Return on Equity (ROE) | 10.2581% | 2,265 |
| Retained earnings to average equity (ytd only) | -1.3717% | 4,866 |
| Net charge-offs to loans | 0.0760% | 1,610 |
| Credit loss provision to net charge-offs | 417.9104% | 687 |
| Earnings coverage of net charge-offs (x) | 28.6716% | 1,507 |
| Efficiency ratio | 56.4399% | 4,195 |
| Assets per employee ($millions) | 8.1759% | 629 |
| Cash dividends to net income (ytd only)* | 113.3721% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3966% | 1,629 |
| Loan loss allowance to noncurrent loans | 16.3428% | 4,687 |
| Noncurrent assets plus other real estate owned to assets | 5.7837% | 58 |
| Noncurrent loans to loans | 8.5456% | 38 |
| Net loans and leases to total assets | 66.7358% | 3,013 |
| Net loans and leases to deposits | 79.2909% | 3,024 |
| Net loans and leases to core deposits | 92.0692% | 2,409 |
| Total domestic deposits to total assets | 84.1658% | 2,791 |
| Equity capital to assets | 10.5145% | 3,507 |
| Core capital (leverage) ratio | 10.3704% | 3,222 |
| Tier 1 risk-based capital ratio | 14.6827% | 2,976 |
| Total risk-based capital ratio | 15.9339% | 2,903 |
| Memoranda: | ||
| Average total assets | $258,903,330 | 2,429 |
| Average earning assets | $246,698,330 | 2,377 |
| Average equity | $26,827,670 | 2,577 |
| Average total loans | $176,417,000 | 2,389 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0365% | 4,287 |
| Cost of funding earning assets | 0.7149% | 2,976 |
| Net interest margin | 3.3216% | 4,111 |
| Noninterest income to average assets | 0.2237% | 4,403 |
| Noninterest expense to average assets | 1.9958% | 4,650 |
| Loan and lease loss provision to assets | 0.1398% | 1,232 |
| Net operating income to assets | 1.0114% | 2,802 |
| Return on assets (ROA) | 1.0919% | 2,548 |
| Pretax return on assets | 1.3481% | 2,267 |
| Return on Equity (ROE) | 10.6165% | 2,114 |
| Retained earnings to average equity (ytd only) | -12.9422% | 5,171 |
| Net charge-offs to loans | 0.2067% | 676 |
| Credit loss provision to net charge-offs | 98.9011% | 1,639 |
| Earnings coverage of net charge-offs (x) | 9.8242% | 1,995 |
| Efficiency ratio | 58.9720% | 3,958 |
| Assets per employee ($millions) | 8.0674% | 659 |
| Cash dividends to net income (ytd only)* | 221.9061% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2833% | 2,167 |
| Loan loss allowance to noncurrent loans | 14.8015% | 4,762 |
| Noncurrent assets plus other real estate owned to assets | 5.9119% | 52 |
| Noncurrent loans to loans | 8.6702% | 35 |
| Net loans and leases to total assets | 67.3120% | 2,858 |
| Net loans and leases to deposits | 78.0280% | 3,055 |
| Net loans and leases to core deposits | 88.8031% | 2,609 |
| Total domestic deposits to total assets | 86.2664% | 2,156 |
| Equity capital to assets | 10.1911% | 3,633 |
| Core capital (leverage) ratio | 10.2398% | 3,343 |
| Tier 1 risk-based capital ratio | 14.3528% | 3,169 |
| Total risk-based capital ratio | 15.5898% | 3,106 |
| Memoranda: | ||
| Average total assets | $257,540,000 | 2,462 |
| Average earning assets | $245,062,500 | 2,415 |
| Average equity | $26,487,000 | 2,606 |
| Average total loans | $176,088,500 | 2,409 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0765% | 3,815 |
| Cost of funding earning assets | 0.5413% | 3,104 |
| Net interest margin | 3.5351% | 3,587 |
| Noninterest income to average assets | 0.2272% | 4,550 |
| Noninterest expense to average assets | 2.0018% | 4,746 |
| Loan and lease loss provision to assets | 0.1408% | 1,527 |
| Net operating income to assets | 1.1591% | 2,347 |
| Return on assets (ROA) | 1.3584% | 1,567 |
| Pretax return on assets | 1.7053% | 1,155 |
| Return on Equity (ROE) | 13.7521% | 1,116 |
| Retained earnings to average equity (ytd only) | 6.3395% | 2,011 |
| Net charge-offs to loans | 0.0672% | 2,155 |
| Credit loss provision to net charge-offs | 307.6923% | 1,012 |
| Earnings coverage of net charge-offs (x) | 34.8974% | 1,453 |
| Efficiency ratio | 55.6244% | 4,454 |
| Assets per employee ($millions) | 7.7856% | 711 |
| Cash dividends to net income (ytd only)* | 53.9015% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2830% | 2,129 |
| Loan loss allowance to noncurrent loans | 15.0286% | 4,784 |
| Noncurrent assets plus other real estate owned to assets | 5.8531% | 53 |
| Noncurrent loans to loans | 8.5371% | 40 |
| Net loans and leases to total assets | 67.6807% | 2,924 |
| Net loans and leases to deposits | 79.2807% | 3,033 |
| Net loans and leases to core deposits | 90.5252% | 2,525 |
| Total domestic deposits to total assets | 85.3684% | 2,479 |
| Equity capital to assets | 10.3786% | 3,304 |
| Core capital (leverage) ratio | 10.6830% | 2,852 |
| Tier 1 risk-based capital ratio | 15.7668% | 2,504 |
| Total risk-based capital ratio | 17.0174% | 2,427 |
| Memoranda: | ||
| Average total assets | $255,673,600 | 2,433 |
| Average earning assets | $243,837,000 | 2,385 |
| Average equity | $25,254,400 | 2,628 |
| Average total loans | $174,004,200 | 2,394 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1553% | 3,444 |
| Cost of funding earning assets | 0.5204% | 3,060 |
| Net interest margin | 3.6349% | 3,249 |
| Noninterest income to average assets | 0.2318% | 4,582 |
| Noninterest expense to average assets | 1.9924% | 4,757 |
| Loan and lease loss provision to assets | 0.1410% | 1,417 |
| Net operating income to assets | 1.2467% | 2,059 |
| Return on assets (ROA) | 1.5095% | 1,167 |
| Pretax return on assets | 1.9031% | 810 |
| Return on Equity (ROE) | 15.4791% | 785 |
| Retained earnings to average equity (ytd only) | 5.4560% | 2,986 |
| Net charge-offs to loans | -0.0069% | 4,301 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7919% | 4,628 |
| Assets per employee ($millions) | 8.0401% | 644 |
| Cash dividends to net income (ytd only)* | 64.7527% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3424% | 1,910 |
| Loan loss allowance to noncurrent loans | 55.6876% | 4,289 |
| Noncurrent assets plus other real estate owned to assets | 1.6542% | 754 |
| Noncurrent loans to loans | 2.4107% | 552 |
| Net loans and leases to total assets | 67.6991% | 2,984 |
| Net loans and leases to deposits | 79.5621% | 3,084 |
| Net loans and leases to core deposits | 89.6511% | 2,689 |
| Total domestic deposits to total assets | 85.0897% | 2,575 |
| Equity capital to assets | 10.2891% | 3,348 |
| Core capital (leverage) ratio | 10.4729% | 3,109 |
| Tier 1 risk-based capital ratio | 15.4525% | 2,670 |
| Total risk-based capital ratio | 16.7033% | 2,604 |
| Memoranda: | ||
| Average total assets | $255,361,000 | 2,453 |
| Average earning assets | $243,923,500 | 2,401 |
| Average equity | $24,901,750 | 2,666 |
| Average total loans | $173,468,250 | 2,411 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0885% | 3,496 |
| Cost of funding earning assets | 0.4956% | 3,029 |
| Net interest margin | 3.5929% | 3,346 |
| Noninterest income to average assets | 0.2277% | 4,660 |
| Noninterest expense to average assets | 2.0062% | 4,787 |
| Loan and lease loss provision to assets | 0.1399% | 1,395 |
| Net operating income to assets | 1.2000% | 2,198 |
| Return on assets (ROA) | 1.5929% | 941 |
| Pretax return on assets | 2.0093% | 595 |
| Return on Equity (ROE) | 16.6302% | 570 |
| Retained earnings to average equity (ytd only) | 1.4440% | 4,654 |
| Net charge-offs to loans | -0.0011% | 3,897 |
| Credit loss provision to net charge-offs | -18,000.0000% | 4,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8428% | 4,601 |
| Assets per employee ($millions) | 8.2338% | 577 |
| Cash dividends to net income (ytd only)* | 91.3171% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2716% | 2,314 |
| Loan loss allowance to noncurrent loans | 30.2172% | 4,753 |
| Noncurrent assets plus other real estate owned to assets | 2.8498% | 272 |
| Noncurrent loans to loans | 4.2083% | 202 |
| Net loans and leases to total assets | 66.8563% | 3,036 |
| Net loans and leases to deposits | 78.7803% | 3,078 |
| Net loans and leases to core deposits | 90.1979% | 2,554 |
| Total domestic deposits to total assets | 84.8642% | 2,721 |
| Equity capital to assets | 9.7791% | 3,840 |
| Core capital (leverage) ratio | 9.9682% | 3,611 |
| Tier 1 risk-based capital ratio | 14.9448% | 2,900 |
| Total risk-based capital ratio | 16.1948% | 2,823 |
| Memoranda: | ||
| Average total assets | $257,400,000 | 2,443 |
| Average earning assets | $245,762,330 | 2,389 |
| Average equity | $24,654,000 | 2,689 |
| Average total loans | $174,280,330 | 2,404 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0243% | 3,529 |
| Cost of funding earning assets | 0.4648% | 3,085 |
| Net interest margin | 3.5595% | 3,312 |
| Noninterest income to average assets | 0.2290% | 4,634 |
| Noninterest expense to average assets | 1.9329% | 4,967 |
| Loan and lease loss provision to assets | 0.1393% | 1,354 |
| Net operating income to assets | 1.2597% | 1,775 |
| Return on assets (ROA) | 1.2597% | 1,784 |
| Pretax return on assets | 1.5584% | 1,503 |
| Return on Equity (ROE) | 13.2895% | 1,188 |
| Retained earnings to average equity (ytd only) | -17.2731% | 5,478 |
| Net charge-offs to loans | -0.0023% | 3,819 |
| Credit loss provision to net charge-offs | -9,000.0000% | 4,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2396% | 4,861 |
| Assets per employee ($millions) | 8.3725% | 550 |
| Cash dividends to net income (ytd only)* | 229.9754% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2014% | 2,797 |
| Loan loss allowance to noncurrent loans | 28.8293% | 4,822 |
| Noncurrent assets plus other real estate owned to assets | 2.8172% | 297 |
| Noncurrent loans to loans | 4.1674% | 229 |
| Net loans and leases to total assets | 66.7897% | 2,926 |
| Net loans and leases to deposits | 77.7881% | 3,040 |
| Net loans and leases to core deposits | 88.9645% | 2,547 |
| Total domestic deposits to total assets | 85.8611% | 2,608 |
| Equity capital to assets | 9.1502% | 4,417 |
| Core capital (leverage) ratio | 9.4690% | 4,101 |
| Tier 1 risk-based capital ratio | 14.1583% | 3,299 |
| Total risk-based capital ratio | 15.3810% | 3,237 |
| Memoranda: | ||
| Average total assets | $258,475,500 | 2,454 |
| Average earning assets | $247,002,000 | 2,405 |
| Average equity | $24,500,500 | 2,721 |
| Average total loans | $174,996,500 | 2,414 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9591% | 3,535 |
| Cost of funding earning assets | 0.4449% | 2,825 |
| Net interest margin | 3.5142% | 3,481 |
| Noninterest income to average assets | 0.2201% | 4,832 |
| Noninterest expense to average assets | 1.8649% | 5,166 |
| Loan and lease loss provision to assets | 0.1371% | 1,669 |
| Net operating income to assets | 1.0679% | 1,983 |
| Return on assets (ROA) | 1.0684% | 2,005 |
| Pretax return on assets | 1.5873% | 1,325 |
| Return on Equity (ROE) | 11.4912% | 1,343 |
| Retained earnings to average equity (ytd only) | 6.6998% | 1,195 |
| Net charge-offs to loans | 0.6299% | 354 |
| Credit loss provision to net charge-offs | 32.3450% | 3,517 |
| Earnings coverage of net charge-offs (x) | 4.0674% | 3,521 |
| Efficiency ratio | 51.9682% | 5,104 |
| Assets per employee ($millions) | 8.3034% | 572 |
| Cash dividends to net income (ytd only)* | 41.6964% | 2,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1556% | 3,023 |
| Loan loss allowance to noncurrent loans | 29.8461% | 4,849 |
| Noncurrent assets plus other real estate owned to assets | 2.6254% | 338 |
| Noncurrent loans to loans | 3.8720% | 252 |
| Net loans and leases to total assets | 67.0220% | 2,963 |
| Net loans and leases to deposits | 79.5799% | 2,959 |
| Net loans and leases to core deposits | 91.1381% | 2,447 |
| Total domestic deposits to total assets | 84.2198% | 3,117 |
| Equity capital to assets | 9.8102% | 3,902 |
| Core capital (leverage) ratio | 9.8257% | 3,668 |
| Tier 1 risk-based capital ratio | 15.2929% | 2,702 |
| Total risk-based capital ratio | 16.5041% | 2,657 |
| Memoranda: | ||
| Average total assets | $262,641,800 | 2,390 |
| Average earning assets | $251,749,800 | 2,336 |
| Average equity | $24,418,600 | 2,722 |
| Average total loans | $176,692,000 | 2,366 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9258% | 3,600 |
| Cost of funding earning assets | 0.4458% | 2,753 |
| Net interest margin | 3.4800% | 3,565 |
| Noninterest income to average assets | 0.2202% | 4,898 |
| Noninterest expense to average assets | 1.8346% | 5,227 |
| Loan and lease loss provision to assets | 0.1364% | 1,577 |
| Net operating income to assets | 1.1172% | 2,006 |
| Return on assets (ROA) | 1.1179% | 2,066 |
| Pretax return on assets | 1.5861% | 1,471 |
| Return on Equity (ROE) | 12.1874% | 1,280 |
| Retained earnings to average equity (ytd only) | 5.7440% | 2,405 |
| Net charge-offs to loans | 0.0030% | 3,639 |
| Credit loss provision to net charge-offs | 6,750.0000% | 67 |
| Earnings coverage of net charge-offs (x) | 852.5122% | 118 |
| Efficiency ratio | 51.5909% | 5,135 |
| Assets per employee ($millions) | 8.4029% | 539 |
| Cash dividends to net income (ytd only)* | 52.8694% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6967% | 1,042 |
| Loan loss allowance to noncurrent loans | 43.5519% | 4,676 |
| Noncurrent assets plus other real estate owned to assets | 2.6761% | 372 |
| Noncurrent loans to loans | 3.8958% | 260 |
| Net loans and leases to total assets | 67.5256% | 2,914 |
| Net loans and leases to deposits | 81.0885% | 2,869 |
| Net loans and leases to core deposits | 93.8759% | 2,283 |
| Total domestic deposits to total assets | 83.2739% | 3,366 |
| Equity capital to assets | 9.6429% | 4,302 |
| Core capital (leverage) ratio | 9.3953% | 4,299 |
| Tier 1 risk-based capital ratio | 14.7342% | 3,046 |
| Total risk-based capital ratio | 15.9912% | 2,975 |
| Memoranda: | ||
| Average total assets | $263,951,000 | 2,399 |
| Average earning assets | $253,020,250 | 2,350 |
| Average equity | $24,210,250 | 2,762 |
| Average total loans | $177,231,250 | 2,368 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8637% | 3,669 |
| Cost of funding earning assets | 0.4345% | 2,759 |
| Net interest margin | 3.4292% | 3,669 |
| Noninterest income to average assets | 0.2293% | 4,867 |
| Noninterest expense to average assets | 1.8408% | 5,269 |
| Loan and lease loss provision to assets | 0.1358% | 1,528 |
| Net operating income to assets | 1.0981% | 1,985 |
| Return on assets (ROA) | 1.0992% | 2,032 |
| Pretax return on assets | 1.5405% | 1,524 |
| Return on Equity (ROE) | 12.1887% | 1,241 |
| Retained earnings to average equity (ytd only) | 2.4009% | 4,245 |
| Net charge-offs to loans | 0.0034% | 3,368 |
| Credit loss provision to net charge-offs | 6,000.0000% | 66 |
| Earnings coverage of net charge-offs (x) | 740.0000% | 105 |
| Efficiency ratio | 52.3605% | 5,150 |
| Assets per employee ($millions) | 8.3418% | 538 |
| Cash dividends to net income (ytd only)* | 80.3020% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6371% | 1,183 |
| Loan loss allowance to noncurrent loans | 514.3106% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 0.2147% | 4,300 |
| Noncurrent loans to loans | 0.3183% | 3,893 |
| Net loans and leases to total assets | 66.3308% | 3,054 |
| Net loans and leases to deposits | 79.5523% | 2,961 |
| Net loans and leases to core deposits | 95.2351% | 2,049 |
| Total domestic deposits to total assets | 83.3800% | 3,438 |
| Equity capital to assets | 9.1740% | 4,741 |
| Core capital (leverage) ratio | 9.0220% | 4,698 |
| Tier 1 risk-based capital ratio | 14.2270% | 3,296 |
| Total risk-based capital ratio | 15.4829% | 3,213 |
| Memoranda: | ||
| Average total assets | $265,104,330 | 2,406 |
| Average earning assets | $254,056,670 | 2,345 |
| Average equity | $23,907,330 | 2,792 |
| Average total loans | $176,663,670 | 2,371 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8023% | 3,759 |
| Cost of funding earning assets | 0.4226% | 2,792 |
| Net interest margin | 3.3796% | 3,714 |
| Noninterest income to average assets | 0.2665% | 4,638 |
| Noninterest expense to average assets | 1.8850% | 5,256 |
| Loan and lease loss provision to assets | 0.1363% | 1,400 |
| Net operating income to assets | 1.1000% | 1,871 |
| Return on assets (ROA) | 1.1022% | 1,900 |
| Pretax return on assets | 1.4929% | 1,554 |
| Return on Equity (ROE) | 12.3304% | 1,153 |
| Retained earnings to average equity (ytd only) | -7.4863% | 5,506 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6869% | 5,161 |
| Assets per employee ($millions) | 8.2807% | 547 |
| Cash dividends to net income (ytd only)* | 160.7143% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6182% | 1,338 |
| Loan loss allowance to noncurrent loans | 349.2063% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 0.3091% | 3,952 |
| Noncurrent loans to loans | 0.4634% | 3,431 |
| Net loans and leases to total assets | 65.6194% | 3,034 |
| Net loans and leases to deposits | 79.1824% | 2,845 |
| Net loans and leases to core deposits | 93.5694% | 2,017 |
| Total domestic deposits to total assets | 82.8712% | 3,895 |
| Equity capital to assets | 8.8637% | 4,942 |
| Core capital (leverage) ratio | 8.8459% | 4,908 |
| Tier 1 risk-based capital ratio | 13.4446% | 3,804 |
| Total risk-based capital ratio | 14.6995% | 3,724 |
| Memoranda: | ||
| Average total assets | $264,187,500 | 2,432 |
| Average earning assets | $253,639,000 | 2,371 |
| Average equity | $23,616,500 | 2,832 |
| Average total loans | $174,991,000 | 2,407 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7798% | 3,970 |
| Cost of funding earning assets | 0.3750% | 3,267 |
| Net interest margin | 3.4048% | 3,810 |
| Noninterest income to average assets | 0.2186% | 5,107 |
| Noninterest expense to average assets | 1.8198% | 5,456 |
| Loan and lease loss provision to assets | 0.2746% | 728 |
| Net operating income to assets | 1.0053% | 2,335 |
| Return on assets (ROA) | 1.0287% | 2,331 |
| Pretax return on assets | 1.4186% | 1,869 |
| Return on Equity (ROE) | 11.6809% | 1,344 |
| Retained earnings to average equity (ytd only) | 7.7959% | 924 |
| Net charge-offs to loans | 0.0042% | 4,100 |
| Credit loss provision to net charge-offs | 10,285.7143% | 41 |
| Earnings coverage of net charge-offs (x) | 622.1429% | 134 |
| Efficiency ratio | 52.2792% | 5,360 |
| Assets per employee ($millions) | 8.4966% | 501 |
| Cash dividends to net income (ytd only)* | 33.2592% | 3,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5989% | 1,381 |
| Loan loss allowance to noncurrent loans | 415.9159% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 0.2529% | 4,291 |
| Noncurrent loans to loans | 0.3844% | 3,761 |
| Net loans and leases to total assets | 64.7217% | 3,254 |
| Net loans and leases to deposits | 80.7757% | 2,803 |
| Net loans and leases to core deposits | 95.3338% | 1,977 |
| Total domestic deposits to total assets | 80.1252% | 4,547 |
| Equity capital to assets | 9.0154% | 4,803 |
| Core capital (leverage) ratio | 9.0395% | 4,694 |
| Tier 1 risk-based capital ratio | 13.8261% | 3,564 |
| Total risk-based capital ratio | 15.0805% | 3,468 |
| Memoranda: | ||
| Average total assets | $262,167,200 | 2,419 |
| Average earning assets | $251,200,800 | 2,348 |
| Average equity | $23,089,000 | 2,885 |
| Average total loans | $164,820,400 | 2,465 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7546% | 4,064 |
| Cost of funding earning assets | 0.3683% | 3,348 |
| Net interest margin | 3.3862% | 3,902 |
| Noninterest income to average assets | 0.2281% | 5,106 |
| Noninterest expense to average assets | 1.8437% | 5,465 |
| Loan and lease loss provision to assets | 0.1375% | 1,709 |
| Net operating income to assets | 1.0521% | 2,192 |
| Return on assets (ROA) | 1.0825% | 2,174 |
| Pretax return on assets | 1.5336% | 1,595 |
| Return on Equity (ROE) | 12.3648% | 1,212 |
| Retained earnings to average equity (ytd only) | 7.1479% | 1,550 |
| Net charge-offs to loans | -0.0016% | 4,473 |
| Credit loss provision to net charge-offs | -13,500.0000% | 5,458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1016% | 5,304 |
| Assets per employee ($millions) | 8.5216% | 478 |
| Cash dividends to net income (ytd only)* | 42.1918% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3575% | 2,400 |
| Loan loss allowance to noncurrent loans | 278.9222% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 0.3161% | 4,145 |
| Noncurrent loans to loans | 0.4867% | 3,547 |
| Net loans and leases to total assets | 64.0639% | 3,392 |
| Net loans and leases to deposits | 83.7086% | 2,520 |
| Net loans and leases to core deposits | 93.3665% | 2,245 |
| Total domestic deposits to total assets | 76.5321% | 5,164 |
| Equity capital to assets | 9.0336% | 5,146 |
| Core capital (leverage) ratio | 8.7515% | 5,099 |
| Tier 1 risk-based capital ratio | 13.6904% | 3,752 |
| Total risk-based capital ratio | 14.9418% | 3,667 |
| Memoranda: | ||
| Average total assets | $261,860,500 | 2,429 |
| Average earning assets | $250,853,750 | 2,365 |
| Average equity | $22,924,750 | 2,924 |
| Average total loans | $162,714,750 | 2,494 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7112% | 4,262 |
| Cost of funding earning assets | 0.3576% | 3,477 |
| Net interest margin | 3.3536% | 4,047 |
| Noninterest income to average assets | 0.2313% | 5,097 |
| Noninterest expense to average assets | 1.8630% | 5,515 |
| Loan and lease loss provision to assets | 0.1379% | 1,641 |
| Net operating income to assets | 1.0286% | 2,255 |
| Return on assets (ROA) | 1.0602% | 2,249 |
| Pretax return on assets | 1.4861% | 1,721 |
| Return on Equity (ROE) | 12.2415% | 1,228 |
| Retained earnings to average equity (ytd only) | 4.3075% | 3,183 |
| Net charge-offs to loans | -0.0025% | 4,395 |
| Credit loss provision to net charge-offs | -9,000.0000% | 5,365 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1166% | 5,297 |
| Assets per employee ($millions) | 8.0732% | 544 |
| Cash dividends to net income (ytd only)* | 64.8121% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3227% | 2,658 |
| Loan loss allowance to noncurrent loans | 263.1022% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 0.3194% | 4,218 |
| Noncurrent loans to loans | 0.5027% | 3,576 |
| Net loans and leases to total assets | 62.6986% | 3,546 |
| Net loans and leases to deposits | 84.3802% | 2,421 |
| Net loans and leases to core deposits | 92.7150% | 2,285 |
| Total domestic deposits to total assets | 74.3048% | 5,488 |
| Equity capital to assets | 8.7566% | 5,434 |
| Core capital (leverage) ratio | 8.5635% | 5,305 |
| Tier 1 risk-based capital ratio | 13.3126% | 4,010 |
| Total risk-based capital ratio | 14.5636% | 3,928 |
| Memoranda: | ||
| Average total assets | $261,091,000 | 2,450 |
| Average earning assets | $250,000,000 | 2,380 |
| Average equity | $22,611,670 | 2,963 |
| Average total loans | $159,764,330 | 2,535 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7528% | 4,129 |
| Cost of funding earning assets | 0.3459% | 3,650 |
| Net interest margin | 3.4070% | 3,851 |
| Noninterest income to average assets | 0.2368% | 5,048 |
| Noninterest expense to average assets | 1.9038% | 5,521 |
| Loan and lease loss provision to assets | 0.1393% | 1,508 |
| Net operating income to assets | 1.0560% | 2,067 |
| Return on assets (ROA) | 1.1113% | 1,962 |
| Pretax return on assets | 1.5323% | 1,500 |
| Return on Equity (ROE) | 12.9061% | 1,056 |
| Retained earnings to average equity (ytd only) | -3.2175% | 5,494 |
| Net charge-offs to loans | -0.0052% | 4,303 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,002 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4007% | 5,349 |
| Assets per employee ($millions) | 7.8292% | 605 |
| Cash dividends to net income (ytd only)* | 124.9304% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3601% | 2,606 |
| Loan loss allowance to noncurrent loans | 249.3039% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 0.3336% | 4,225 |
| Noncurrent loans to loans | 0.5456% | 3,549 |
| Net loans and leases to total assets | 60.3221% | 3,727 |
| Net loans and leases to deposits | 78.5150% | 2,952 |
| Net loans and leases to core deposits | 83.0699% | 3,034 |
| Total domestic deposits to total assets | 76.8287% | 5,312 |
| Equity capital to assets | 8.6409% | 5,466 |
| Core capital (leverage) ratio | 8.4967% | 5,394 |
| Tier 1 risk-based capital ratio | 13.3031% | 4,094 |
| Total risk-based capital ratio | 14.5535% | 4,019 |
| Memoranda: | ||
| Average total assets | $258,428,500 | 2,476 |
| Average earning assets | $247,494,000 | 2,406 |
| Average equity | $22,253,000 | 2,996 |
| Average total loans | $155,007,500 | 2,584 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4984% | 4,923 |
| Cost of funding earning assets | 0.3232% | 3,989 |
| Net interest margin | 3.1751% | 4,698 |
| Noninterest income to average assets | 0.1990% | 5,396 |
| Noninterest expense to average assets | 1.7599% | 5,789 |
| Loan and lease loss provision to assets | 0.1362% | 1,743 |
| Net operating income to assets | 0.9535% | 2,597 |
| Return on assets (ROA) | 0.9747% | 2,569 |
| Pretax return on assets | 1.3719% | 2,016 |
| Return on Equity (ROE) | 11.8154% | 1,347 |
| Retained earnings to average equity (ytd only) | 6.5427% | 1,514 |
| Net charge-offs to loans | 0.2041% | 1,435 |
| Credit loss provision to net charge-offs | 120.0000% | 2,147 |
| Earnings coverage of net charge-offs (x) | 13.0267% | 2,404 |
| Efficiency ratio | 54.3511% | 5,498 |
| Assets per employee ($millions) | 7.1804% | 827 |
| Cash dividends to net income (ytd only)* | 44.6255% | 2,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3531% | 2,655 |
| Loan loss allowance to noncurrent loans | 320.9048% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 0.2480% | 4,599 |
| Noncurrent loans to loans | 0.4217% | 3,947 |
| Net loans and leases to total assets | 58.0126% | 4,091 |
| Net loans and leases to deposits | 73.4708% | 3,557 |
| Net loans and leases to core deposits | 77.3742% | 3,618 |
| Total domestic deposits to total assets | 78.9601% | 4,987 |
| Equity capital to assets | 8.5809% | 5,494 |
| Core capital (leverage) ratio | 8.5711% | 5,355 |
| Tier 1 risk-based capital ratio | 13.3899% | 4,059 |
| Total risk-based capital ratio | 14.6400% | 4,004 |
| Memoranda: | ||
| Average total assets | $264,385,200 | 2,387 |
| Average earning assets | $253,060,400 | 2,322 |
| Average equity | $21,810,600 | 2,994 |
| Average total loans | $146,954,200 | 2,638 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4749% | 5,037 |
| Cost of funding earning assets | 0.3268% | 4,026 |
| Net interest margin | 3.1481% | 4,823 |
| Noninterest income to average assets | 0.1966% | 5,472 |
| Noninterest expense to average assets | 1.7307% | 5,873 |
| Loan and lease loss provision to assets | 0.1354% | 1,655 |
| Net operating income to assets | 0.9602% | 2,669 |
| Return on assets (ROA) | 0.9845% | 2,629 |
| Pretax return on assets | 1.3791% | 2,102 |
| Return on Equity (ROE) | 12.0512% | 1,360 |
| Retained earnings to average equity (ytd only) | 10.4979% | 553 |
| Net charge-offs to loans | 0.2306% | 1,142 |
| Credit loss provision to net charge-offs | 107.1429% | 2,153 |
| Earnings coverage of net charge-offs (x) | 11.7143% | 2,466 |
| Efficiency ratio | 53.8966% | 5,526 |
| Assets per employee ($millions) | 7.3240% | 744 |
| Cash dividends to net income (ytd only)* | 12.8882% | 3,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3821% | 2,690 |
| Loan loss allowance to noncurrent loans | 121.8259% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 0.6452% | 3,328 |
| Noncurrent loans to loans | 1.1345% | 2,237 |
| Net loans and leases to total assets | 56.0882% | 4,345 |
| Net loans and leases to deposits | 68.6170% | 4,132 |
| Net loans and leases to core deposits | 72.2489% | 4,169 |
| Total domestic deposits to total assets | 81.7410% | 4,243 |
| Equity capital to assets | 8.8917% | 5,404 |
| Core capital (leverage) ratio | 8.5625% | 5,505 |
| Tier 1 risk-based capital ratio | 14.5809% | 3,509 |
| Total risk-based capital ratio | 15.8316% | 3,432 |
| Memoranda: | ||
| Average total assets | $265,858,000 | 2,395 |
| Average earning assets | $254,582,500 | 2,318 |
| Average equity | $21,718,000 | 3,020 |
| Average total loans | $145,688,750 | 2,668 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4391% | 5,137 |
| Cost of funding earning assets | 0.3321% | 4,026 |
| Net interest margin | 3.1070% | 4,954 |
| Noninterest income to average assets | 0.1903% | 5,539 |
| Noninterest expense to average assets | 1.7136% | 5,951 |
| Loan and lease loss provision to assets | 0.1338% | 1,638 |
| Net operating income to assets | 0.9509% | 2,628 |
| Return on assets (ROA) | 0.9835% | 2,594 |
| Pretax return on assets | 1.3649% | 2,126 |
| Return on Equity (ROE) | 12.3878% | 1,260 |
| Retained earnings to average equity (ytd only) | 10.0189% | 657 |
| Net charge-offs to loans | 0.3405% | 773 |
| Credit loss provision to net charge-offs | 72.5806% | 2,425 |
| Earnings coverage of net charge-offs (x) | 7.8831% | 2,616 |
| Efficiency ratio | 54.1080% | 5,577 |
| Assets per employee ($millions) | 7.7499% | 593 |
| Cash dividends to net income (ytd only)* | 19.1232% | 3,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3113% | 3,182 |
| Loan loss allowance to noncurrent loans | 104.1577% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 0.7241% | 3,213 |
| Noncurrent loans to loans | 1.2589% | 2,145 |
| Net loans and leases to total assets | 55.0974% | 4,440 |
| Net loans and leases to deposits | 68.3869% | 4,100 |
| Net loans and leases to core deposits | 71.9529% | 4,143 |
| Total domestic deposits to total assets | 80.5671% | 4,726 |
| Equity capital to assets | 8.2995% | 5,833 |
| Core capital (leverage) ratio | 8.1118% | 5,863 |
| Tier 1 risk-based capital ratio | 14.3083% | 3,757 |
| Total risk-based capital ratio | 15.5587% | 3,675 |
| Memoranda: | ||
| Average total assets | $269,031,000 | 2,383 |
| Average earning assets | $257,739,670 | 2,312 |
| Average equity | $21,359,670 | 3,073 |
| Average total loans | $145,654,670 | 2,674 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3902% | 5,224 |
| Cost of funding earning assets | 0.3487% | 3,870 |
| Net interest margin | 3.0415% | 5,099 |
| Noninterest income to average assets | 0.1722% | 5,684 |
| Noninterest expense to average assets | 1.7145% | 5,996 |
| Loan and lease loss provision to assets | 0.1325% | 1,558 |
| Net operating income to assets | 0.9215% | 2,644 |
| Return on assets (ROA) | 0.9684% | 2,536 |
| Pretax return on assets | 1.3024% | 2,274 |
| Return on Equity (ROE) | 12.4710% | 1,226 |
| Retained earnings to average equity (ytd only) | 7.6759% | 1,696 |
| Net charge-offs to loans | -0.0028% | 4,382 |
| Credit loss provision to net charge-offs | -9,000.0000% | 5,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5556% | 5,552 |
| Assets per employee ($millions) | 7.8801% | 573 |
| Cash dividends to net income (ytd only)* | 38.4498% | 2,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4503% | 2,677 |
| Loan loss allowance to noncurrent loans | 106.2055% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 0.7547% | 3,227 |
| Noncurrent loans to loans | 1.3656% | 2,107 |
| Net loans and leases to total assets | 52.9561% | 4,555 |
| Net loans and leases to deposits | 63.5595% | 4,417 |
| Net loans and leases to core deposits | 66.8048% | 4,443 |
| Total domestic deposits to total assets | 83.3173% | 4,077 |
| Equity capital to assets | 7.9989% | 6,032 |
| Core capital (leverage) ratio | 7.8345% | 6,017 |
| Tier 1 risk-based capital ratio | 13.7905% | 4,154 |
| Total risk-based capital ratio | 15.0416% | 4,075 |
| Memoranda: | ||
| Average total assets | $271,798,000 | 2,371 |
| Average earning assets | $260,399,500 | 2,308 |
| Average equity | $21,105,000 | 3,125 |
| Average total loans | $144,927,500 | 2,693 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4944% | 5,327 |
| Cost of funding earning assets | 0.3759% | 3,961 |
| Net interest margin | 3.1185% | 5,160 |
| Noninterest income to average assets | 0.1850% | 5,749 |
| Noninterest expense to average assets | 1.7097% | 6,145 |
| Loan and lease loss provision to assets | 0.1408% | 1,884 |
| Net operating income to assets | 0.9396% | 2,676 |
| Return on assets (ROA) | 0.9464% | 2,735 |
| Pretax return on assets | 1.3190% | 2,180 |
| Return on Equity (ROE) | 12.0362% | 1,395 |
| Retained earnings to average equity (ytd only) | 8.2861% | 917 |
| Net charge-offs to loans | 0.0052% | 4,841 |
| Credit loss provision to net charge-offs | 5,142.8571% | 56 |
| Earnings coverage of net charge-offs (x) | 529.8571% | 98 |
| Efficiency ratio | 54.1022% | 5,832 |
| Assets per employee ($millions) | 7.6576% | 616 |
| Cash dividends to net income (ytd only)* | 31.1570% | 3,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3689% | 3,092 |
| Loan loss allowance to noncurrent loans | 100.1505% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 0.7436% | 3,349 |
| Noncurrent loans to loans | 1.3668% | 2,145 |
| Net loans and leases to total assets | 52.1954% | 4,766 |
| Net loans and leases to deposits | 63.0405% | 4,630 |
| Net loans and leases to core deposits | 66.3430% | 4,647 |
| Total domestic deposits to total assets | 82.7966% | 4,146 |
| Equity capital to assets | 7.5376% | 6,227 |
| Core capital (leverage) ratio | 7.6916% | 6,132 |
| Tier 1 risk-based capital ratio | 13.5286% | 4,394 |
| Total risk-based capital ratio | 14.7794% | 4,333 |
| Memoranda: | ||
| Average total assets | $255,714,600 | 2,476 |
| Average earning assets | $243,964,600 | 2,398 |
| Average equity | $20,106,000 | 3,147 |
| Average total loans | $135,826,800 | 2,767 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5181% | 5,353 |
| Cost of funding earning assets | 0.3804% | 4,012 |
| Net interest margin | 3.1377% | 5,154 |
| Noninterest income to average assets | 0.1904% | 5,778 |
| Noninterest expense to average assets | 1.7299% | 6,182 |
| Loan and lease loss provision to assets | 0.1436% | 1,747 |
| Net operating income to assets | 0.9438% | 2,710 |
| Return on assets (ROA) | 0.9529% | 2,754 |
| Pretax return on assets | 1.3209% | 2,300 |
| Return on Equity (ROE) | 11.9836% | 1,488 |
| Retained earnings to average equity (ytd only) | 10.2851% | 634 |
| Net charge-offs to loans | 0.0080% | 4,436 |
| Credit loss provision to net charge-offs | 3,375.0000% | 111 |
| Earnings coverage of net charge-offs (x) | 341.1350% | 206 |
| Efficiency ratio | 54.3707% | 5,789 |
| Assets per employee ($millions) | 7.6568% | 594 |
| Cash dividends to net income (ytd only)* | 14.1742% | 3,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3614% | 3,345 |
| Loan loss allowance to noncurrent loans | 97.9949% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 0.7686% | 3,515 |
| Noncurrent loans to loans | 1.3892% | 2,332 |
| Net loans and leases to total assets | 53.0473% | 4,691 |
| Net loans and leases to deposits | 60.2366% | 4,918 |
| Net loans and leases to core deposits | 63.5101% | 4,926 |
| Total domestic deposits to total assets | 88.0649% | 1,728 |
| Equity capital to assets | 7.9583% | 6,156 |
| Core capital (leverage) ratio | 7.9526% | 6,102 |
| Tier 1 risk-based capital ratio | 13.9691% | 4,240 |
| Total risk-based capital ratio | 15.2197% | 4,178 |
| Memoranda: | ||
| Average total assets | $250,725,250 | 2,535 |
| Average earning assets | $239,022,000 | 2,450 |
| Average equity | $19,937,750 | 3,178 |
| Average total loans | $133,312,250 | 2,814 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4713% | 5,470 |
| Cost of funding earning assets | 0.3826% | 4,072 |
| Net interest margin | 3.0887% | 5,289 |
| Noninterest income to average assets | 0.1891% | 5,826 |
| Noninterest expense to average assets | 1.7493% | 6,209 |
| Loan and lease loss provision to assets | 0.1454% | 1,699 |
| Net operating income to assets | 0.9086% | 2,762 |
| Return on assets (ROA) | 0.9227% | 2,791 |
| Pretax return on assets | 1.2556% | 2,432 |
| Return on Equity (ROE) | 11.6071% | 1,546 |
| Retained earnings to average equity (ytd only) | 9.0255% | 978 |
| Net charge-offs to loans | -0.0031% | 5,097 |
| Credit loss provision to net charge-offs | -9,000.0000% | 5,940 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8710% | 5,760 |
| Assets per employee ($millions) | 7.2722% | 705 |
| Cash dividends to net income (ytd only)* | 22.2417% | 3,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3605% | 3,540 |
| Loan loss allowance to noncurrent loans | 90.7555% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 0.7905% | 3,593 |
| Noncurrent loans to loans | 1.4991% | 2,321 |
| Net loans and leases to total assets | 52.0145% | 4,748 |
| Net loans and leases to deposits | 60.0064% | 4,868 |
| Net loans and leases to core deposits | 63.4406% | 4,865 |
| Total domestic deposits to total assets | 86.6816% | 2,646 |
| Equity capital to assets | 7.9375% | 6,186 |
| Core capital (leverage) ratio | 7.9230% | 6,148 |
| Tier 1 risk-based capital ratio | 14.0737% | 4,216 |
| Total risk-based capital ratio | 15.3245% | 4,141 |
| Memoranda: | ||
| Average total assets | $247,523,000 | 2,566 |
| Average earning assets | $235,764,330 | 2,482 |
| Average equity | $19,677,670 | 3,206 |
| Average total loans | $131,081,330 | 2,854 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4845% | 5,465 |
| Cost of funding earning assets | 0.3845% | 4,148 |
| Net interest margin | 3.1000% | 5,253 |
| Noninterest income to average assets | 0.1901% | 5,826 |
| Noninterest expense to average assets | 1.7966% | 6,225 |
| Loan and lease loss provision to assets | 0.1475% | 1,650 |
| Net operating income to assets | 0.9163% | 2,568 |
| Return on assets (ROA) | 0.9163% | 2,640 |
| Pretax return on assets | 1.1933% | 2,508 |
| Return on Equity (ROE) | 11.5169% | 1,540 |
| Retained earnings to average equity (ytd only) | 6.2838% | 2,390 |
| Net charge-offs to loans | 0.0216% | 3,145 |
| Credit loss provision to net charge-offs | 1,285.7143% | 253 |
| Earnings coverage of net charge-offs (x) | 116.8571% | 407 |
| Efficiency ratio | 57.2623% | 5,726 |
| Assets per employee ($millions) | 6.9442% | 825 |
| Cash dividends to net income (ytd only)* | 45.4383% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3328% | 3,937 |
| Loan loss allowance to noncurrent loans | 83.5510% | 4,071 |
| Noncurrent assets plus other real estate owned to assets | 0.8268% | 3,661 |
| Noncurrent loans to loans | 1.5953% | 2,425 |
| Net loans and leases to total assets | 51.1398% | 4,776 |
| Net loans and leases to deposits | 57.9037% | 4,959 |
| Net loans and leases to core deposits | 61.1871% | 4,947 |
| Total domestic deposits to total assets | 88.3188% | 2,044 |
| Equity capital to assets | 7.8287% | 6,160 |
| Core capital (leverage) ratio | 7.9268% | 6,162 |
| Tier 1 risk-based capital ratio | 13.8637% | 4,419 |
| Total risk-based capital ratio | 15.1080% | 4,380 |
| Memoranda: | ||
| Average total assets | $244,021,000 | 2,607 |
| Average earning assets | $232,000,500 | 2,528 |
| Average equity | $19,415,000 | 3,237 |
| Average total loans | $129,513,500 | 2,887 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5480% | 5,541 |
| Cost of funding earning assets | 0.4281% | 4,338 |
| Net interest margin | 3.1199% | 5,256 |
| Noninterest income to average assets | 0.1863% | 5,975 |
| Noninterest expense to average assets | 1.8272% | 6,279 |
| Loan and lease loss provision to assets | 0.1016% | 3,105 |
| Net operating income to assets | 0.9173% | 2,696 |
| Return on assets (ROA) | 0.9278% | 2,731 |
| Pretax return on assets | 1.2403% | 2,414 |
| Return on Equity (ROE) | 11.4807% | 1,603 |
| Retained earnings to average equity (ytd only) | 4.9151% | 2,657 |
| Net charge-offs to loans | 0.0450% | 4,589 |
| Credit loss provision to net charge-offs | 428.5714% | 534 |
| Earnings coverage of net charge-offs (x) | 56.0000% | 727 |
| Efficiency ratio | 57.9117% | 5,749 |
| Assets per employee ($millions) | 6.8015% | 851 |
| Cash dividends to net income (ytd only)* | 57.1885% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2699% | 4,294 |
| Loan loss allowance to noncurrent loans | 252.1472% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 0.2739% | 5,439 |
| Noncurrent loans to loans | 0.5036% | 4,735 |
| Net loans and leases to total assets | 53.6906% | 4,626 |
| Net loans and leases to deposits | 61.1594% | 4,813 |
| Net loans and leases to core deposits | 64.6656% | 4,811 |
| Total domestic deposits to total assets | 87.7879% | 2,314 |
| Equity capital to assets | 8.0903% | 5,947 |
| Core capital (leverage) ratio | 7.9714% | 6,155 |
| Tier 1 risk-based capital ratio | 13.7540% | 4,477 |
| Total risk-based capital ratio | 14.9480% | 4,470 |
| Memoranda: | ||
| Average total assets | $236,153,000 | 2,657 |
| Average earning assets | $224,721,200 | 2,572 |
| Average equity | $19,084,200 | 3,269 |
| Average total loans | $124,494,400 | 2,950 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5181% | 5,643 |
| Cost of funding earning assets | 0.4348% | 4,455 |
| Net interest margin | 3.0833% | 5,367 |
| Noninterest income to average assets | 0.1737% | 6,146 |
| Noninterest expense to average assets | 1.8284% | 6,304 |
| Loan and lease loss provision to assets | 0.1018% | 3,068 |
| Net operating income to assets | 0.9018% | 2,827 |
| Return on assets (ROA) | 0.9125% | 2,875 |
| Pretax return on assets | 1.1942% | 2,725 |
| Return on Equity (ROE) | 11.2949% | 1,707 |
| Retained earnings to average equity (ytd only) | 9.5233% | 902 |
| Net charge-offs to loans | 0.0660% | 3,973 |
| Credit loss provision to net charge-offs | 295.0820% | 865 |
| Earnings coverage of net charge-offs (x) | 37.1482% | 1,059 |
| Efficiency ratio | 58.7850% | 5,586 |
| Assets per employee ($millions) | 6.5144% | 931 |
| Cash dividends to net income (ytd only)* | 15.6849% | 3,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2248% | 4,765 |
| Loan loss allowance to noncurrent loans | 113.6789% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 0.5923% | 4,667 |
| Noncurrent loans to loans | 1.0774% | 3,644 |
| Net loans and leases to total assets | 54.2977% | 4,562 |
| Net loans and leases to deposits | 64.0709% | 4,513 |
| Net loans and leases to core deposits | 67.9486% | 4,533 |
| Total domestic deposits to total assets | 84.7463% | 3,863 |
| Equity capital to assets | 8.4372% | 5,809 |
| Core capital (leverage) ratio | 8.3543% | 5,913 |
| Tier 1 risk-based capital ratio | 14.1453% | 4,324 |
| Total risk-based capital ratio | 15.2990% | 4,337 |
| Memoranda: | ||
| Average total assets | $235,678,500 | 2,679 |
| Average earning assets | $224,469,250 | 2,584 |
| Average equity | $19,040,500 | 3,310 |
| Average total loans | $123,254,250 | 2,990 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4836% | 5,727 |
| Cost of funding earning assets | 0.4435% | 4,501 |
| Net interest margin | 3.0401% | 5,463 |
| Noninterest income to average assets | 0.1694% | 6,202 |
| Noninterest expense to average assets | 1.8393% | 6,311 |
| Loan and lease loss provision to assets | 0.1017% | 3,097 |
| Net operating income to assets | 0.8894% | 2,847 |
| Return on assets (ROA) | 0.9014% | 2,930 |
| Pretax return on assets | 1.1361% | 2,942 |
| Return on Equity (ROE) | 11.3242% | 1,710 |
| Retained earnings to average equity (ytd only) | 8.6315% | 1,247 |
| Net charge-offs to loans | 0.1071% | 3,288 |
| Credit loss provision to net charge-offs | 184.6154% | 1,294 |
| Earnings coverage of net charge-offs (x) | 22.2000% | 1,379 |
| Efficiency ratio | 60.0719% | 5,477 |
| Assets per employee ($millions) | 6.2752% | 1,031 |
| Cash dividends to net income (ytd only)* | 23.7782% | 2,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2315% | 4,830 |
| Loan loss allowance to noncurrent loans | 120.6210% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 0.5410% | 4,908 |
| Noncurrent loans to loans | 1.0210% | 3,896 |
| Net loans and leases to total assets | 52.3309% | 4,813 |
| Net loans and leases to deposits | 61.6826% | 4,779 |
| Net loans and leases to core deposits | 65.7758% | 4,714 |
| Total domestic deposits to total assets | 84.8390% | 3,973 |
| Equity capital to assets | 8.1010% | 6,131 |
| Core capital (leverage) ratio | 8.0412% | 6,154 |
| Tier 1 risk-based capital ratio | 13.3356% | 4,893 |
| Total risk-based capital ratio | 14.4097% | 4,963 |
| Memoranda: | ||
| Average total assets | $236,064,670 | 2,684 |
| Average earning assets | $224,595,670 | 2,590 |
| Average equity | $18,791,670 | 3,355 |
| Average total loans | $121,366,330 | 3,043 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4667% | 5,791 |
| Cost of funding earning assets | 0.4530% | 4,559 |
| Net interest margin | 3.0137% | 5,529 |
| Noninterest income to average assets | 0.1748% | 6,211 |
| Noninterest expense to average assets | 1.8857% | 6,296 |
| Loan and lease loss provision to assets | 0.1008% | 2,994 |
| Net operating income to assets | 0.8906% | 2,699 |
| Return on assets (ROA) | 0.9092% | 2,756 |
| Pretax return on assets | 1.0722% | 3,064 |
| Return on Equity (ROE) | 11.5211% | 1,549 |
| Retained earnings to average equity (ytd only) | 6.1332% | 2,606 |
| Net charge-offs to loans | -0.0133% | 5,545 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0919% | 5,290 |
| Assets per employee ($millions) | 6.8266% | 834 |
| Cash dividends to net income (ytd only)* | 46.7652% | 1,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2828% | 4,782 |
| Loan loss allowance to noncurrent loans | 80.8059% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 0.8126% | 4,340 |
| Noncurrent loans to loans | 1.5876% | 3,154 |
| Net loans and leases to total assets | 50.5265% | 4,914 |
| Net loans and leases to deposits | 58.8858% | 4,926 |
| Net loans and leases to core deposits | 62.8822% | 4,862 |
| Total domestic deposits to total assets | 85.8042% | 3,632 |
| Equity capital to assets | 8.1644% | 6,282 |
| Core capital (leverage) ratio | 7.6946% | 6,358 |
| Tier 1 risk-based capital ratio | 13.1502% | 5,107 |
| Total risk-based capital ratio | 14.2461% | 5,171 |
| Memoranda: | ||
| Average total assets | $238,006,000 | 2,694 |
| Average earning assets | $226,037,500 | 2,603 |
| Average equity | $18,783,000 | 3,406 |
| Average total loans | $120,540,500 | 3,080 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7949% | 5,832 |
| Cost of funding earning assets | 0.5680% | 4,661 |
| Net interest margin | 3.2269% | 5,502 |
| Noninterest income to average assets | 0.2625% | 5,588 |
| Noninterest expense to average assets | 1.8130% | 6,606 |
| Loan and lease loss provision to assets | 0.1146% | 4,201 |
| Net operating income to assets | 1.0381% | 2,174 |
| Return on assets (ROA) | 1.0459% | 2,337 |
| Pretax return on assets | 1.4154% | 1,989 |
| Return on Equity (ROE) | 13.1896% | 1,183 |
| Retained earnings to average equity (ytd only) | 11.3475% | 402 |
| Net charge-offs to loans | 0.1815% | 3,924 |
| Credit loss provision to net charge-offs | 120.6030% | 2,376 |
| Earnings coverage of net charge-offs (x) | 15.9950% | 1,612 |
| Efficiency ratio | 54.4048% | 6,223 |
| Assets per employee ($millions) | 6.9688% | 779 |
| Cash dividends to net income (ytd only)* | 13.9662% | 3,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1940% | 5,139 |
| Loan loss allowance to noncurrent loans | 51.1742% | 5,071 |
| Noncurrent assets plus other real estate owned to assets | 1.1697% | 3,707 |
| Noncurrent loans to loans | 2.3331% | 2,305 |
| Net loans and leases to total assets | 49.5363% | 5,229 |
| Net loans and leases to deposits | 60.3964% | 4,982 |
| Net loans and leases to core deposits | 64.4658% | 4,909 |
| Total domestic deposits to total assets | 82.0186% | 5,084 |
| Equity capital to assets | 7.6324% | 6,578 |
| Core capital (leverage) ratio | 8.3837% | 5,776 |
| Tier 1 risk-based capital ratio | 12.7709% | 5,274 |
| Total risk-based capital ratio | 13.8068% | 5,386 |
| Memoranda: | ||
| Average total assets | $209,488,400 | 2,929 |
| Average earning assets | $199,294,200 | 2,856 |
| Average equity | $16,611,600 | 3,685 |
| Average total loans | $109,663,000 | 3,304 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9534% | 5,650 |
| Cost of funding earning assets | 0.6057% | 4,587 |
| Net interest margin | 3.3477% | 5,222 |
| Noninterest income to average assets | 0.1918% | 6,150 |
| Noninterest expense to average assets | 1.8558% | 6,605 |
| Loan and lease loss provision to assets | 0.1195% | 4,056 |
| Net operating income to assets | 1.0267% | 2,378 |
| Return on assets (ROA) | 1.0374% | 2,546 |
| Pretax return on assets | 1.4190% | 2,176 |
| Return on Equity (ROE) | 12.9354% | 1,353 |
| Retained earnings to average equity (ytd only) | 10.4029% | 813 |
| Net charge-offs to loans | 0.0626% | 4,797 |
| Credit loss provision to net charge-offs | 360.0000% | 744 |
| Earnings coverage of net charge-offs (x) | 45.9166% | 801 |
| Efficiency ratio | 54.9097% | 6,152 |
| Assets per employee ($millions) | 7.0941% | 710 |
| Cash dividends to net income (ytd only)* | 19.5777% | 3,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4104% | 4,331 |
| Loan loss allowance to noncurrent loans | 251.0535% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.2946% | 5,964 |
| Noncurrent loans to loans | 0.5618% | 5,319 |
| Net loans and leases to total assets | 50.8773% | 5,206 |
| Net loans and leases to deposits | 58.4332% | 5,383 |
| Net loans and leases to core deposits | 62.5529% | 5,305 |
| Total domestic deposits to total assets | 87.0691% | 2,621 |
| Equity capital to assets | 8.0057% | 6,586 |
| Core capital (leverage) ratio | 7.6915% | 6,531 |
| Tier 1 risk-based capital ratio | 12.6810% | 5,493 |
| Total risk-based capital ratio | 13.9130% | 5,472 |
| Memoranda: | ||
| Average total assets | $200,883,500 | 3,063 |
| Average earning assets | $191,288,750 | 2,974 |
| Average equity | $16,110,500 | 3,800 |
| Average total loans | $106,508,000 | 3,402 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0085% | 5,617 |
| Cost of funding earning assets | 0.6362% | 4,557 |
| Net interest margin | 3.3723% | 5,200 |
| Noninterest income to average assets | 0.1991% | 6,128 |
| Noninterest expense to average assets | 1.8933% | 6,608 |
| Loan and lease loss provision to assets | 0.1219% | 3,996 |
| Net operating income to assets | 1.0406% | 2,296 |
| Return on assets (ROA) | 1.0543% | 2,460 |
| Pretax return on assets | 1.4108% | 2,163 |
| Return on Equity (ROE) | 13.1381% | 1,327 |
| Retained earnings to average equity (ytd only) | 9.2650% | 1,188 |
| Net charge-offs to loans | 0.0968% | 4,192 |
| Credit loss provision to net charge-offs | 235.2941% | 1,212 |
| Earnings coverage of net charge-offs (x) | 29.2353% | 1,089 |
| Efficiency ratio | 55.5589% | 6,168 |
| Assets per employee ($millions) | 6.7856% | 824 |
| Cash dividends to net income (ytd only)* | 29.4798% | 2,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3670% | 4,584 |
| Loan loss allowance to noncurrent loans | 257.4394% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.2888% | 6,045 |
| Noncurrent loans to loans | 0.5310% | 5,460 |
| Net loans and leases to total assets | 52.7418% | 4,998 |
| Net loans and leases to deposits | 60.7765% | 5,164 |
| Net loans and leases to core deposits | 65.3034% | 5,078 |
| Total domestic deposits to total assets | 86.7799% | 2,903 |
| Equity capital to assets | 8.0764% | 6,527 |
| Core capital (leverage) ratio | 7.6887% | 6,524 |
| Tier 1 risk-based capital ratio | 12.7276% | 5,398 |
| Total risk-based capital ratio | 13.9559% | 5,382 |
| Memoranda: | ||
| Average total assets | $196,903,330 | 3,124 |
| Average earning assets | $187,349,670 | 3,028 |
| Average equity | $15,801,330 | 3,835 |
| Average total loans | $105,401,330 | 3,450 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0326% | 5,661 |
| Cost of funding earning assets | 0.6779% | 4,486 |
| Net interest margin | 3.3547% | 5,291 |
| Noninterest income to average assets | 0.1963% | 6,207 |
| Noninterest expense to average assets | 1.9362% | 6,575 |
| Loan and lease loss provision to assets | 0.1240% | 3,792 |
| Net operating income to assets | 1.0621% | 2,243 |
| Return on assets (ROA) | 1.0621% | 2,436 |
| Pretax return on assets | 1.3266% | 2,435 |
| Return on Equity (ROE) | 13.2804% | 1,329 |
| Retained earnings to average equity (ytd only) | 5.3742% | 3,327 |
| Net charge-offs to loans | 0.1891% | 2,969 |
| Credit loss provision to net charge-offs | 122.4490% | 1,949 |
| Earnings coverage of net charge-offs (x) | 14.3265% | 1,478 |
| Efficiency ratio | 57.1690% | 6,023 |
| Assets per employee ($millions) | 6.7615% | 857 |
| Cash dividends to net income (ytd only)* | 59.5331% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3876% | 4,667 |
| Loan loss allowance to noncurrent loans | 216.9954% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 0.3412% | 6,028 |
| Noncurrent loans to loans | 0.6394% | 5,360 |
| Net loans and leases to total assets | 51.8288% | 5,044 |
| Net loans and leases to deposits | 60.6029% | 5,082 |
| Net loans and leases to core deposits | 65.5868% | 4,964 |
| Total domestic deposits to total assets | 85.5220% | 3,776 |
| Equity capital to assets | 8.1501% | 6,412 |
| Core capital (leverage) ratio | 7.7381% | 6,458 |
| Tier 1 risk-based capital ratio | 12.9436% | 5,253 |
| Total risk-based capital ratio | 14.1862% | 5,232 |
| Memoranda: | ||
| Average total assets | $193,570,500 | 3,188 |
| Average earning assets | $184,100,000 | 3,091 |
| Average equity | $15,481,500 | 3,897 |
| Average total loans | $103,675,000 | 3,507 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1743% | 6,129 |
| Cost of funding earning assets | 0.8348% | 4,590 |
| Net interest margin | 3.3396% | 5,684 |
| Noninterest income to average assets | 0.1845% | 6,175 |
| Noninterest expense to average assets | 1.9131% | 6,811 |
| Loan and lease loss provision to assets | 0.1284% | 5,011 |
| Net operating income to assets | 0.9693% | 2,323 |
| Return on assets (ROA) | 0.9814% | 2,411 |
| Pretax return on assets | 1.3392% | 1,987 |
| Return on Equity (ROE) | 12.8917% | 1,189 |
| Retained earnings to average equity (ytd only) | 9.1471% | 762 |
| Net charge-offs to loans | -0.0039% | 6,827 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8680% | 6,204 |
| Assets per employee ($millions) | 6.3686% | 1,020 |
| Cash dividends to net income (ytd only)* | 29.0463% | 3,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3606% | 4,631 |
| Loan loss allowance to noncurrent loans | 185.4902% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 0.4004% | 5,970 |
| Noncurrent loans to loans | 0.7335% | 5,229 |
| Net loans and leases to total assets | 53.8441% | 5,056 |
| Net loans and leases to deposits | 64.6760% | 4,912 |
| Net loans and leases to core deposits | 70.3357% | 4,740 |
| Total domestic deposits to total assets | 83.2521% | 4,643 |
| Equity capital to assets | 7.8416% | 6,663 |
| Core capital (leverage) ratio | 7.6855% | 6,542 |
| Tier 1 risk-based capital ratio | 12.8234% | 5,222 |
| Total risk-based capital ratio | 14.0623% | 5,210 |
| Memoranda: | ||
| Average total assets | $186,973,400 | 3,234 |
| Average earning assets | $178,016,800 | 3,114 |
| Average equity | $14,234,000 | 4,063 |
| Average total loans | $103,045,600 | 3,546 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1958% | 6,212 |
| Cost of funding earning assets | 0.8700% | 4,641 |
| Net interest margin | 3.3257% | 5,782 |
| Noninterest income to average assets | 0.1828% | 6,288 |
| Noninterest expense to average assets | 1.9259% | 6,825 |
| Loan and lease loss provision to assets | 0.1291% | 4,817 |
| Net operating income to assets | 0.9565% | 2,502 |
| Return on assets (ROA) | 0.9730% | 2,592 |
| Pretax return on assets | 1.3186% | 2,226 |
| Return on Equity (ROE) | 12.8803% | 1,310 |
| Retained earnings to average equity (ytd only) | 10.6592% | 693 |
| Net charge-offs to loans | -0.0013% | 6,659 |
| Credit loss provision to net charge-offs | -18,000.0000% | 6,920 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4668% | 6,085 |
| Assets per employee ($millions) | 6.6754% | 866 |
| Cash dividends to net income (ytd only)* | 17.2438% | 3,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2934% | 5,040 |
| Loan loss allowance to noncurrent loans | 138.6503% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 0.5052% | 5,825 |
| Noncurrent loans to loans | 0.9329% | 5,015 |
| Net loans and leases to total assets | 53.4548% | 5,250 |
| Net loans and leases to deposits | 62.4753% | 5,346 |
| Net loans and leases to core deposits | 68.2998% | 5,148 |
| Total domestic deposits to total assets | 85.5615% | 3,461 |
| Equity capital to assets | 7.6746% | 6,857 |
| Core capital (leverage) ratio | 7.8318% | 6,539 |
| Tier 1 risk-based capital ratio | 12.5969% | 5,406 |
| Total risk-based capital ratio | 13.7743% | 5,458 |
| Memoranda: | ||
| Average total assets | $185,952,500 | 3,263 |
| Average earning assets | $177,158,750 | 3,147 |
| Average equity | $14,047,000 | 4,114 |
| Average total loans | $102,734,000 | 3,579 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2447% | 6,176 |
| Cost of funding earning assets | 0.9000% | 4,669 |
| Net interest margin | 3.3447% | 5,728 |
| Noninterest income to average assets | 0.1799% | 6,370 |
| Noninterest expense to average assets | 1.9923% | 6,813 |
| Loan and lease loss provision to assets | 0.1309% | 4,656 |
| Net operating income to assets | 0.9403% | 2,478 |
| Return on assets (ROA) | 0.9378% | 2,583 |
| Pretax return on assets | 1.2388% | 2,349 |
| Return on Equity (ROE) | 12.4846% | 1,344 |
| Retained earnings to average equity (ytd only) | 9.0876% | 1,072 |
| Net charge-offs to loans | -0.0039% | 6,562 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,783 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2029% | 5,998 |
| Assets per employee ($millions) | 6.3418% | 1,002 |
| Cash dividends to net income (ytd only)* | 27.2093% | 2,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2695% | 5,201 |
| Loan loss allowance to noncurrent loans | 177.9150% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 0.3964% | 6,149 |
| Noncurrent loans to loans | 0.7136% | 5,487 |
| Net loans and leases to total assets | 54.8458% | 5,171 |
| Net loans and leases to deposits | 65.5161% | 5,068 |
| Net loans and leases to core deposits | 72.1594% | 4,795 |
| Total domestic deposits to total assets | 83.7134% | 4,470 |
| Equity capital to assets | 7.8048% | 6,804 |
| Core capital (leverage) ratio | 7.5486% | 6,712 |
| Tier 1 risk-based capital ratio | 12.5411% | 5,307 |
| Total risk-based capital ratio | 13.7020% | 5,372 |
| Memoranda: | ||
| Average total assets | $183,408,000 | 3,320 |
| Average earning assets | $174,664,670 | 3,195 |
| Average equity | $13,777,000 | 4,159 |
| Average total loans | $102,033,000 | 3,628 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1550% | 6,382 |
| Cost of funding earning assets | 0.9144% | 4,820 |
| Net interest margin | 3.2406% | 5,954 |
| Noninterest income to average assets | 0.1638% | 6,558 |
| Noninterest expense to average assets | 2.0289% | 6,781 |
| Loan and lease loss provision to assets | 0.1310% | 4,361 |
| Net operating income to assets | 0.8867% | 2,633 |
| Return on assets (ROA) | 0.8867% | 2,699 |
| Pretax return on assets | 1.0920% | 2,786 |
| Return on Equity (ROE) | 12.0399% | 1,452 |
| Retained earnings to average equity (ytd only) | 5.1006% | 3,118 |
| Net charge-offs to loans | -0.0039% | 6,219 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3909% | 5,615 |
| Assets per employee ($millions) | 6.3842% | 985 |
| Cash dividends to net income (ytd only)* | 57.6355% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2045% | 5,609 |
| Loan loss allowance to noncurrent loans | 153.1599% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 0.4359% | 6,119 |
| Noncurrent loans to loans | 0.7865% | 5,463 |
| Net loans and leases to total assets | 54.7555% | 5,202 |
| Net loans and leases to deposits | 65.1358% | 5,104 |
| Net loans and leases to core deposits | 70.9389% | 4,931 |
| Total domestic deposits to total assets | 84.0637% | 4,468 |
| Equity capital to assets | 7.3576% | 6,944 |
| Core capital (leverage) ratio | 7.4068% | 6,785 |
| Tier 1 risk-based capital ratio | 11.9172% | 5,761 |
| Total risk-based capital ratio | 13.0037% | 5,901 |
| Memoranda: | ||
| Average total assets | $183,156,000 | 3,354 |
| Average earning assets | $174,537,000 | 3,230 |
| Average equity | $13,488,500 | 4,223 |
| Average total loans | $101,967,000 | 3,671 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5444% | 6,272 |
| Cost of funding earning assets | 1.1954% | 4,587 |
| Net interest margin | 3.3490% | 5,797 |
| Noninterest income to average assets | 0.2224% | 6,215 |
| Noninterest expense to average assets | 2.1176% | 6,805 |
| Loan and lease loss provision to assets | 0.1801% | 5,416 |
| Net operating income to assets | 0.8237% | 2,699 |
| Return on assets (ROA) | 0.8318% | 2,805 |
| Pretax return on assets | 1.0989% | 2,583 |
| Return on Equity (ROE) | 11.4979% | 1,453 |
| Retained earnings to average equity (ytd only) | 9.2996% | 639 |
| Net charge-offs to loans | 0.1020% | 5,842 |
| Credit loss provision to net charge-offs | 298.9691% | 898 |
| Earnings coverage of net charge-offs (x) | 21.0515% | 980 |
| Efficiency ratio | 62.5390% | 5,621 |
| Assets per employee ($millions) | 6.4703% | 957 |
| Cash dividends to net income (ytd only)* | 19.1187% | 3,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1597% | 5,696 |
| Loan loss allowance to noncurrent loans | 142.5971% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 0.4548% | 6,144 |
| Noncurrent loans to loans | 0.8132% | 5,422 |
| Net loans and leases to total assets | 55.2782% | 5,445 |
| Net loans and leases to deposits | 66.6385% | 5,316 |
| Net loans and leases to core deposits | 72.0586% | 5,202 |
| Total domestic deposits to total assets | 82.9524% | 4,814 |
| Equity capital to assets | 7.3716% | 6,957 |
| Core capital (leverage) ratio | 7.7220% | 6,526 |
| Tier 1 risk-based capital ratio | 11.8774% | 5,595 |
| Total risk-based capital ratio | 12.9201% | 5,757 |
| Memoranda: | ||
| Average total assets | $160,983,400 | 3,678 |
| Average earning assets | $152,077,000 | 3,606 |
| Average equity | $11,645,600 | 4,705 |
| Average total loans | $95,109,000 | 3,920 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6725% | 6,115 |
| Cost of funding earning assets | 1.2638% | 4,470 |
| Net interest margin | 3.4087% | 5,638 |
| Noninterest income to average assets | 0.1941% | 6,497 |
| Noninterest expense to average assets | 2.1718% | 6,677 |
| Loan and lease loss provision to assets | 0.1539% | 5,502 |
| Net operating income to assets | 0.8252% | 2,896 |
| Return on assets (ROA) | 0.8362% | 2,987 |
| Pretax return on assets | 1.0979% | 2,831 |
| Return on Equity (ROE) | 11.6236% | 1,613 |
| Retained earnings to average equity (ytd only) | 8.5810% | 1,212 |
| Net charge-offs to loans | 0.1268% | 5,286 |
| Credit loss provision to net charge-offs | 202.2472% | 1,762 |
| Earnings coverage of net charge-offs (x) | 16.2590% | 1,388 |
| Efficiency ratio | 63.7070% | 5,295 |
| Assets per employee ($millions) | 5.6059% | 1,529 |
| Cash dividends to net income (ytd only)* | 26.1754% | 2,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1094% | 5,901 |
| Loan loss allowance to noncurrent loans | 138.4516% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 0.4608% | 6,272 |
| Noncurrent loans to loans | 0.8013% | 5,616 |
| Net loans and leases to total assets | 56.8737% | 5,431 |
| Net loans and leases to deposits | 66.6618% | 5,584 |
| Net loans and leases to core deposits | 72.0547% | 5,504 |
| Total domestic deposits to total assets | 85.3167% | 3,454 |
| Equity capital to assets | 6.9474% | 7,358 |
| Core capital (leverage) ratio | 7.1752% | 7,070 |
| Tier 1 risk-based capital ratio | 10.9497% | 6,421 |
| Total risk-based capital ratio | 11.9673% | 6,598 |
| Memoranda: | ||
| Average total assets | $155,937,000 | 3,829 |
| Average earning assets | $147,069,500 | 3,731 |
| Average equity | $11,218,250 | 4,872 |
| Average total loans | $93,555,750 | 4,035 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7307% | 6,041 |
| Cost of funding earning assets | 1.3054% | 4,502 |
| Net interest margin | 3.4253% | 5,535 |
| Noninterest income to average assets | 0.1831% | 6,599 |
| Noninterest expense to average assets | 2.1915% | 6,666 |
| Loan and lease loss provision to assets | 0.1580% | 5,311 |
| Net operating income to assets | 0.8243% | 2,851 |
| Return on assets (ROA) | 0.8416% | 2,927 |
| Pretax return on assets | 1.0905% | 2,809 |
| Return on Equity (ROE) | 11.5520% | 1,579 |
| Retained earnings to average equity (ytd only) | 6.9240% | 1,872 |
| Net charge-offs to loans | 0.0584% | 5,575 |
| Credit loss provision to net charge-offs | 444.4444% | 815 |
| Earnings coverage of net charge-offs (x) | 34.4815% | 821 |
| Efficiency ratio | 64.1233% | 5,314 |
| Assets per employee ($millions) | 4.9798% | 2,208 |
| Cash dividends to net income (ytd only)* | 40.0626% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1295% | 5,798 |
| Loan loss allowance to noncurrent loans | 80.1641% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 0.8687% | 5,386 |
| Noncurrent loans to loans | 1.4090% | 4,594 |
| Net loans and leases to total assets | 60.9539% | 4,879 |
| Net loans and leases to deposits | 72.0569% | 4,984 |
| Net loans and leases to core deposits | 78.1673% | 4,927 |
| Total domestic deposits to total assets | 84.5913% | 3,825 |
| Equity capital to assets | 7.3367% | 7,204 |
| Core capital (leverage) ratio | 7.3150% | 6,987 |
| Tier 1 risk-based capital ratio | 11.3242% | 5,919 |
| Total risk-based capital ratio | 12.4106% | 6,071 |
| Memoranda: | ||
| Average total assets | $151,856,670 | 3,922 |
| Average earning assets | $143,403,330 | 3,831 |
| Average equity | $11,063,000 | 4,908 |
| Average total loans | $92,500,330 | 4,094 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7796% | 5,970 |
| Cost of funding earning assets | 1.3358% | 4,592 |
| Net interest margin | 3.4438% | 5,405 |
| Noninterest income to average assets | 0.1647% | 6,790 |
| Noninterest expense to average assets | 2.1674% | 6,763 |
| Loan and lease loss provision to assets | 0.1594% | 4,938 |
| Net operating income to assets | 0.8553% | 2,733 |
| Return on assets (ROA) | 0.8553% | 2,822 |
| Pretax return on assets | 1.0837% | 2,793 |
| Return on Equity (ROE) | 11.7825% | 1,551 |
| Retained earnings to average equity (ytd only) | 2.4150% | 4,687 |
| Net charge-offs to loans | -0.0044% | 6,807 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,655 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5514% | 5,577 |
| Assets per employee ($millions) | 4.8709% | 2,408 |
| Cash dividends to net income (ytd only)* | 79.5031% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1360% | 5,836 |
| Loan loss allowance to noncurrent loans | 101.4591% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 0.6808% | 5,809 |
| Noncurrent loans to loans | 1.1197% | 5,121 |
| Net loans and leases to total assets | 60.1134% | 5,103 |
| Net loans and leases to deposits | 71.1659% | 5,170 |
| Net loans and leases to core deposits | 82.0735% | 4,479 |
| Total domestic deposits to total assets | 84.4693% | 3,907 |
| Equity capital to assets | 7.2551% | 7,245 |
| Core capital (leverage) ratio | 7.1499% | 7,146 |
| Tier 1 risk-based capital ratio | 11.1966% | 5,963 |
| Total risk-based capital ratio | 12.2690% | 6,111 |
| Memoranda: | ||
| Average total assets | $150,598,000 | 4,001 |
| Average earning assets | $141,937,000 | 3,921 |
| Average equity | $10,931,500 | 4,999 |
| Average total loans | $91,164,500 | 4,180 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9391% | 6,620 |
| Cost of funding earning assets | 1.5071% | 5,481 |
| Net interest margin | 3.4320% | 5,247 |
| Noninterest income to average assets | 0.2351% | 6,421 |
| Noninterest expense to average assets | 2.2466% | 6,878 |
| Loan and lease loss provision to assets | 0.1827% | 5,875 |
| Net operating income to assets | 0.8204% | 2,449 |
| Return on assets (ROA) | 0.8344% | 2,486 |
| Pretax return on assets | 1.0744% | 2,326 |
| Return on Equity (ROE) | 11.3323% | 1,344 |
| Retained earnings to average equity (ytd only) | 5.3384% | 1,657 |
| Net charge-offs to loans | 0.1318% | 5,881 |
| Credit loss provision to net charge-offs | 230.4348% | 1,599 |
| Earnings coverage of net charge-offs (x) | 15.6261% | 1,298 |
| Efficiency ratio | 64.4510% | 5,688 |
| Assets per employee ($millions) | 5.1792% | 1,968 |
| Cash dividends to net income (ytd only)* | 52.8926% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0849% | 5,971 |
| Loan loss allowance to noncurrent loans | 100.0000% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 0.6538% | 5,830 |
| Noncurrent loans to loans | 1.0849% | 5,148 |
| Net loans and leases to total assets | 59.6106% | 5,396 |
| Net loans and leases to deposits | 70.6249% | 5,520 |
| Net loans and leases to core deposits | 89.7206% | 5,162 |
| Total domestic deposits to total assets | 84.4046% | 3,839 |
| Equity capital to assets | 7.2624% | 7,226 |
| Core capital (leverage) ratio | 7.3184% | 6,967 |
| Tier 1 risk-based capital ratio | 11.0048% | 5,909 |
| Total risk-based capital ratio | 12.0033% | 6,125 |
| Memoranda: | ||
| Average total assets | $145,017,200 | 4,027 |
| Average earning assets | $137,354,000 | 3,949 |
| Average equity | $10,677,400 | 5,107 |
| Average total loans | $87,244,800 | 4,294 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9322% | 6,810 |
| Cost of funding earning assets | 1.5362% | 5,685 |
| Net interest margin | 3.3959% | 5,284 |
| Noninterest income to average assets | 0.2412% | 6,509 |
| Noninterest expense to average assets | 2.2441% | 6,857 |
| Loan and lease loss provision to assets | 0.1670% | 5,688 |
| Net operating income to assets | 0.8198% | 2,725 |
| Return on assets (ROA) | 0.8386% | 2,723 |
| Pretax return on assets | 1.0780% | 2,646 |
| Return on Equity (ROE) | 11.3496% | 1,528 |
| Retained earnings to average equity (ytd only) | 8.3364% | 1,030 |
| Net charge-offs to loans | 0.1682% | 5,045 |
| Credit loss provision to net charge-offs | 165.1376% | 2,852 |
| Earnings coverage of net charge-offs (x) | 12.0734% | 1,799 |
| Efficiency ratio | 64.7657% | 5,600 |
| Assets per employee ($millions) | 5.2193% | 1,867 |
| Cash dividends to net income (ytd only)* | 26.5486% | 3,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0010% | 6,281 |
| Loan loss allowance to noncurrent loans | 347.3077% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.1779% | 7,089 |
| Noncurrent loans to loans | 0.2882% | 6,789 |
| Net loans and leases to total assets | 61.1113% | 5,405 |
| Net loans and leases to deposits | 73.6027% | 5,426 |
| Net loans and leases to core deposits | 94.3501% | 4,986 |
| Total domestic deposits to total assets | 83.0286% | 4,207 |
| Equity capital to assets | 7.5503% | 7,263 |
| Core capital (leverage) ratio | 7.4919% | 6,986 |
| Tier 1 risk-based capital ratio | 11.2328% | 5,708 |
| Total risk-based capital ratio | 12.1620% | 6,000 |
| Memoranda: | ||
| Average total assets | $143,722,000 | 4,073 |
| Average earning assets | $136,434,750 | 3,998 |
| Average equity | $10,619,750 | 5,160 |
| Average total loans | $86,427,000 | 4,355 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9406% | 6,945 |
| Cost of funding earning assets | 1.5786% | 5,812 |
| Net interest margin | 3.3620% | 5,307 |
| Noninterest income to average assets | 0.2127% | 6,779 |
| Noninterest expense to average assets | 2.2447% | 6,934 |
| Loan and lease loss provision to assets | 0.1679% | 5,385 |
| Net operating income to assets | 0.7904% | 2,889 |
| Return on assets (ROA) | 0.8061% | 2,928 |
| Pretax return on assets | 1.0118% | 2,961 |
| Return on Equity (ROE) | 10.9906% | 1,701 |
| Retained earnings to average equity (ytd only) | 6.4112% | 1,840 |
| Net charge-offs to loans | 0.2466% | 3,967 |
| Credit loss provision to net charge-offs | 114.2857% | 4,050 |
| Earnings coverage of net charge-offs (x) | 7.8952% | 2,366 |
| Efficiency ratio | 65.9268% | 5,560 |
| Assets per employee ($millions) | 5.1437% | 1,917 |
| Cash dividends to net income (ytd only)* | 41.6667% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9971% | 6,274 |
| Loan loss allowance to noncurrent loans | 230.7902% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 0.2750% | 6,788 |
| Noncurrent loans to loans | 0.4320% | 6,438 |
| Net loans and leases to total assets | 58.3921% | 5,911 |
| Net loans and leases to deposits | 70.9012% | 5,881 |
| Net loans and leases to core deposits | 89.4869% | 5,575 |
| Total domestic deposits to total assets | 82.3570% | 4,539 |
| Equity capital to assets | 7.4217% | 7,334 |
| Core capital (leverage) ratio | 7.3764% | 7,155 |
| Tier 1 risk-based capital ratio | 11.1645% | 5,710 |
| Total risk-based capital ratio | 12.0576% | 6,012 |
| Memoranda: | ||
| Average total assets | $142,916,000 | 4,116 |
| Average earning assets | $135,693,000 | 4,036 |
| Average equity | $10,481,670 | 5,221 |
| Average total loans | $85,165,670 | 4,425 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0016% | 6,928 |
| Cost of funding earning assets | 1.6277% | 5,912 |
| Net interest margin | 3.3738% | 5,239 |
| Noninterest income to average assets | 0.1967% | 6,888 |
| Noninterest expense to average assets | 2.2534% | 6,681 |
| Loan and lease loss provision to assets | 0.1686% | 4,781 |
| Net operating income to assets | 0.8055% | 3,107 |
| Return on assets (ROA) | 0.8401% | 3,100 |
| Pretax return on assets | 1.0199% | 3,272 |
| Return on Equity (ROE) | 11.5244% | 1,801 |
| Retained earnings to average equity (ytd only) | 2.2740% | 4,612 |
| Net charge-offs to loans | 0.0938% | 4,241 |
| Credit loss provision to net charge-offs | 300.0000% | 1,603 |
| Earnings coverage of net charge-offs (x) | 20.4000% | 1,373 |
| Efficiency ratio | 66.2810% | 5,275 |
| Assets per employee ($millions) | 5.1476% | 1,897 |
| Cash dividends to net income (ytd only)* | 80.2676% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0295% | 5,944 |
| Loan loss allowance to noncurrent loans | 269.1358% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.2449% | 6,778 |
| Noncurrent loans to loans | 0.3825% | 6,464 |
| Net loans and leases to total assets | 58.1591% | 5,917 |
| Net loans and leases to deposits | 69.2184% | 6,056 |
| Net loans and leases to core deposits | 85.5744% | 5,940 |
| Total domestic deposits to total assets | 84.0225% | 3,690 |
| Equity capital to assets | 7.2044% | 7,560 |
| Core capital (leverage) ratio | 7.2799% | 7,396 |
| Tier 1 risk-based capital ratio | 10.8603% | 6,030 |
| Total risk-based capital ratio | 11.7788% | 6,279 |
| Memoranda: | ||
| Average total assets | $142,362,500 | 4,143 |
| Average earning assets | $135,158,000 | 4,049 |
| Average equity | $10,378,000 | 5,270 |
| Average total loans | $85,276,000 | 4,447 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8269% | 6,351 |
| Cost of funding earning assets | 2.4188% | 4,640 |
| Net interest margin | 3.4081% | 5,628 |
| Noninterest income to average assets | 0.2371% | 6,748 |
| Noninterest expense to average assets | 2.2452% | 6,849 |
| Loan and lease loss provision to assets | 0.2163% | 4,722 |
| Net operating income to assets | 0.7379% | 3,727 |
| Return on assets (ROA) | 0.7690% | 3,418 |
| Pretax return on assets | 1.0173% | 3,322 |
| Return on Equity (ROE) | 10.5638% | 2,064 |
| Retained earnings to average equity (ytd only) | 7.8238% | 896 |
| Net charge-offs to loans | 0.1455% | 4,761 |
| Credit loss provision to net charge-offs | 228.8136% | 2,075 |
| Earnings coverage of net charge-offs (x) | 12.6186% | 2,228 |
| Efficiency ratio | 65.3075% | 5,251 |
| Assets per employee ($millions) | 5.2071% | 1,719 |
| Cash dividends to net income (ytd only)* | 25.9375% | 4,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9691% | 6,271 |
| Loan loss allowance to noncurrent loans | 398.0861% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.1714% | 6,880 |
| Noncurrent loans to loans | 0.2434% | 6,654 |
| Net loans and leases to total assets | 60.4740% | 5,841 |
| Net loans and leases to deposits | 72.2304% | 6,036 |
| Net loans and leases to core deposits | 86.7791% | 6,077 |
| Total domestic deposits to total assets | 83.7237% | 3,473 |
| Equity capital to assets | 7.3774% | 7,486 |
| Core capital (leverage) ratio | 7.6351% | 7,027 |
| Tier 1 risk-based capital ratio | 10.6342% | 6,063 |
| Total risk-based capital ratio | 11.4972% | 6,336 |
| Memoranda: | ||
| Average total assets | $124,841,400 | 4,399 |
| Average earning assets | $117,249,000 | 4,330 |
| Average equity | $9,087,600 | 5,711 |
| Average total loans | $81,105,600 | 4,486 |