Home > Bank of Holly Springs > Performance and Condition Ratios
Bank of Holly Springs, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5160% | 612 |
| Cost of funding earning assets | 2.4501% | 948 |
| Net interest margin | 4.0659% | 1,163 |
| Noninterest income to average assets | 0.3400% | 2,607 |
| Noninterest expense to average assets | 2.4568% | 2,433 |
| Loan and lease loss provision to assets | 0.3600% | 284 |
| Net operating income to assets | 1.2875% | 1,506 |
| Return on assets (ROA) | 1.2875% | 1,502 |
| Pretax return on assets | 1.2875% | 2,012 |
| Return on Equity (ROE) | 9.4500% | 2,482 |
| Retained earnings to average equity (ytd only) | 4.7773% | 2,634 |
| Net charge-offs to loans | 0.1532% | 640 |
| Credit loss provision to net charge-offs | 315.1515% | 696 |
| Earnings coverage of net charge-offs (x) | 14.4485% | 1,569 |
| Efficiency ratio | 59.5523% | 3,018 |
| Assets per employee ($millions) | 6.3852% | 2,654 |
| Cash dividends to net income (ytd only)* | 49.4635% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0054% | 3,198 |
| Loan loss allowance to noncurrent loans | 60.5701% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 1.4061% | 451 |
| Noncurrent loans to loans | 1.6598% | 563 |
| Net loans and leases to total assets | 71.9400% | 1,613 |
| Net loans and leases to deposits | 86.0655% | 1,482 |
| Net loans and leases to core deposits | 107.6228% | 958 |
| Total domestic deposits to total assets | 83.5900% | 3,011 |
| Equity capital to assets | 13.6448% | 762 |
| Core capital (leverage) ratio | 13.5394% | 919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $579,124,500 | 1,598 |
| Average earning assets | $535,969,500 | 1,593 |
| Average equity | $78,872,500 | 1,250 |
| Average total loans | $430,949,500 | 1,474 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8992% | 447 |
| Cost of funding earning assets | 2.6189% | 940 |
| Net interest margin | 4.2803% | 851 |
| Noninterest income to average assets | 0.4100% | 2,407 |
| Noninterest expense to average assets | 2.4861% | 2,353 |
| Loan and lease loss provision to assets | 0.4100% | 273 |
| Net operating income to assets | 1.4862% | 930 |
| Return on assets (ROA) | 1.4862% | 928 |
| Pretax return on assets | 1.4862% | 1,305 |
| Return on Equity (ROE) | 10.9100% | 1,910 |
| Retained earnings to average equity (ytd only) | 4.5532% | 2,415 |
| Net charge-offs to loans | 0.4493% | 332 |
| Credit loss provision to net charge-offs | 114.0244% | 1,725 |
| Earnings coverage of net charge-offs (x) | 5.3206% | 2,592 |
| Efficiency ratio | 56.4850% | 3,510 |
| Assets per employee ($millions) | 6.1377% | 2,772 |
| Cash dividends to net income (ytd only)* | 58.2472% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9051% | 3,624 |
| Loan loss allowance to noncurrent loans | 54.4236% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 1.4847% | 375 |
| Noncurrent loans to loans | 1.6630% | 539 |
| Net loans and leases to total assets | 75.5200% | 1,215 |
| Net loans and leases to deposits | 90.2881% | 1,192 |
| Net loans and leases to core deposits | 114.3709% | 778 |
| Total domestic deposits to total assets | 83.6400% | 2,878 |
| Equity capital to assets | 13.5930% | 748 |
| Core capital (leverage) ratio | 13.4082% | 939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $553,552,400 | 1,645 |
| Average earning assets | $512,579,000 | 1,649 |
| Average equity | $75,441,200 | 1,261 |
| Average total loans | $438,000,600 | 1,437 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8077% | 483 |
| Cost of funding earning assets | 2.5898% | 1,003 |
| Net interest margin | 4.2179% | 881 |
| Noninterest income to average assets | 0.3800% | 2,542 |
| Noninterest expense to average assets | 2.4569% | 2,377 |
| Loan and lease loss provision to assets | 0.3900% | 256 |
| Net operating income to assets | 1.4485% | 1,013 |
| Return on assets (ROA) | 1.4485% | 1,009 |
| Pretax return on assets | 1.4485% | 1,407 |
| Return on Equity (ROE) | 10.6200% | 2,018 |
| Retained earnings to average equity (ytd only) | 6.6644% | 1,855 |
| Net charge-offs to loans | 0.4124% | 326 |
| Credit loss provision to net charge-offs | 118.7178% | 1,501 |
| Earnings coverage of net charge-offs (x) | 5.5844% | 2,362 |
| Efficiency ratio | 56.8676% | 3,473 |
| Assets per employee ($millions) | 6.2812% | 2,676 |
| Cash dividends to net income (ytd only)* | 37.2549% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8973% | 3,675 |
| Loan loss allowance to noncurrent loans | 54.6101% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 1.4502% | 370 |
| Noncurrent loans to loans | 1.6431% | 545 |
| Net loans and leases to total assets | 76.4900% | 1,057 |
| Net loans and leases to deposits | 91.7524% | 1,072 |
| Net loans and leases to core deposits | 116.3570% | 718 |
| Total domestic deposits to total assets | 83.3600% | 2,745 |
| Equity capital to assets | 13.7025% | 796 |
| Core capital (leverage) ratio | 13.2673% | 1,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $549,238,000 | 1,650 |
| Average earning assets | $509,936,250 | 1,653 |
| Average equity | $74,904,000 | 1,257 |
| Average total loans | $438,754,500 | 1,429 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7884% | 466 |
| Cost of funding earning assets | 2.5791% | 950 |
| Net interest margin | 4.2093% | 884 |
| Noninterest income to average assets | 0.3900% | 2,441 |
| Noninterest expense to average assets | 2.4961% | 2,256 |
| Loan and lease loss provision to assets | 0.5900% | 134 |
| Net operating income to assets | 1.1995% | 1,474 |
| Return on assets (ROA) | 1.1995% | 1,471 |
| Pretax return on assets | 1.1995% | 1,930 |
| Return on Equity (ROE) | 8.8100% | 2,506 |
| Retained earnings to average equity (ytd only) | 4.2187% | 2,639 |
| Net charge-offs to loans | 0.3904% | 304 |
| Credit loss provision to net charge-offs | 187.7622% | 1,062 |
| Earnings coverage of net charge-offs (x) | 5.6795% | 2,201 |
| Efficiency ratio | 57.8938% | 3,404 |
| Assets per employee ($millions) | 6.4895% | 2,410 |
| Cash dividends to net income (ytd only)* | 52.1153% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0017% | 3,272 |
| Loan loss allowance to noncurrent loans | 74.2973% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 1.2092% | 458 |
| Noncurrent loans to loans | 1.3482% | 670 |
| Net loans and leases to total assets | 79.0900% | 787 |
| Net loans and leases to deposits | 94.6173% | 890 |
| Net loans and leases to core deposits | 119.6562% | 642 |
| Total domestic deposits to total assets | 83.5900% | 2,720 |
| Equity capital to assets | 13.5579% | 757 |
| Core capital (leverage) ratio | 12.9965% | 1,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $543,881,667 | 1,662 |
| Average earning assets | $504,127,000 | 1,660 |
| Average equity | $74,051,667 | 1,261 |
| Average total loans | $439,572,667 | 1,432 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6756% | 477 |
| Cost of funding earning assets | 2.5461% | 918 |
| Net interest margin | 4.1296% | 937 |
| Noninterest income to average assets | 0.3400% | 2,684 |
| Noninterest expense to average assets | 2.5147% | 2,196 |
| Loan and lease loss provision to assets | 0.2000% | 510 |
| Net operating income to assets | 1.4555% | 970 |
| Return on assets (ROA) | 1.4555% | 974 |
| Pretax return on assets | 1.4555% | 1,337 |
| Return on Equity (ROE) | 10.6700% | 1,937 |
| Retained earnings to average equity (ytd only) | 5.4612% | 2,274 |
| Net charge-offs to loans | 0.2351% | 388 |
| Credit loss provision to net charge-offs | 106.9767% | 1,108 |
| Earnings coverage of net charge-offs (x) | 8.6860% | 1,700 |
| Efficiency ratio | 59.9006% | 3,275 |
| Assets per employee ($millions) | 6.7583% | 2,237 |
| Cash dividends to net income (ytd only)* | 48.8041% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8382% | 3,866 |
| Loan loss allowance to noncurrent loans | 53.6141% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 1.2996% | 385 |
| Noncurrent loans to loans | 1.5635% | 504 |
| Net loans and leases to total assets | 78.5300% | 777 |
| Net loans and leases to deposits | 93.6511% | 894 |
| Net loans and leases to core deposits | 117.6125% | 703 |
| Total domestic deposits to total assets | 83.8600% | 2,755 |
| Equity capital to assets | 13.3790% | 780 |
| Core capital (leverage) ratio | 13.2183% | 980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $540,017,000 | 1,683 |
| Average earning assets | $501,165,000 | 1,674 |
| Average equity | $73,684,000 | 1,267 |
| Average total loans | $439,026,500 | 1,430 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9932% | 642 |
| Cost of funding earning assets | 1.9639% | 969 |
| Net interest margin | 4.0293% | 1,162 |
| Noninterest income to average assets | 1.2500% | 475 |
| Noninterest expense to average assets | 2.6389% | 1,895 |
| Loan and lease loss provision to assets | 0.2800% | 387 |
| Net operating income to assets | 2.0776% | 414 |
| Return on assets (ROA) | 2.0762% | 404 |
| Pretax return on assets | 2.0762% | 601 |
| Return on Equity (ROE) | 14.6900% | 1,346 |
| Retained earnings to average equity (ytd only) | 6.0005% | 2,239 |
| Net charge-offs to loans | 0.1857% | 578 |
| Credit loss provision to net charge-offs | 179.0698% | 1,321 |
| Earnings coverage of net charge-offs (x) | 15.2003% | 2,050 |
| Efficiency ratio | 52.5453% | 3,784 |
| Assets per employee ($millions) | 6.3356% | 2,524 |
| Cash dividends to net income (ytd only)* | 59.1496% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8336% | 3,882 |
| Loan loss allowance to noncurrent loans | 47.7937% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 1.4574% | 267 |
| Noncurrent loans to loans | 1.7443% | 355 |
| Net loans and leases to total assets | 82.8200% | 361 |
| Net loans and leases to deposits | 102.0351% | 432 |
| Net loans and leases to core deposits | 127.8915% | 440 |
| Total domestic deposits to total assets | 81.1700% | 3,279 |
| Equity capital to assets | 13.9248% | 698 |
| Core capital (leverage) ratio | 13.4852% | 917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $499,560,400 | 1,724 |
| Average earning assets | $464,423,400 | 1,721 |
| Average equity | $70,610,800 | 1,240 |
| Average total loans | $416,908,000 | 1,433 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7342% | 751 |
| Cost of funding earning assets | 1.8360% | 951 |
| Net interest margin | 3.8982% | 1,406 |
| Noninterest income to average assets | 1.4000% | 424 |
| Noninterest expense to average assets | 2.6983% | 1,665 |
| Loan and lease loss provision to assets | 0.2700% | 361 |
| Net operating income to assets | 2.0549% | 468 |
| Return on assets (ROA) | 2.0530% | 461 |
| Pretax return on assets | 2.0530% | 707 |
| Return on Equity (ROE) | 14.4700% | 1,556 |
| Retained earnings to average equity (ytd only) | 9.4970% | 1,549 |
| Net charge-offs to loans | 0.1300% | 620 |
| Credit loss provision to net charge-offs | 248.6284% | 992 |
| Earnings coverage of net charge-offs (x) | 21.4339% | 1,780 |
| Efficiency ratio | 53.4191% | 3,638 |
| Assets per employee ($millions) | 6.1293% | 2,634 |
| Cash dividends to net income (ytd only)* | 34.3565% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8511% | 3,867 |
| Loan loss allowance to noncurrent loans | 52.4536% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 1.3615% | 301 |
| Noncurrent loans to loans | 1.6226% | 425 |
| Net loans and leases to total assets | 82.4700% | 403 |
| Net loans and leases to deposits | 102.0626% | 431 |
| Net loans and leases to core deposits | 125.7911% | 421 |
| Total domestic deposits to total assets | 80.8000% | 3,416 |
| Equity capital to assets | 14.2736% | 607 |
| Core capital (leverage) ratio | 14.0241% | 820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $492,987,500 | 1,745 |
| Average earning assets | $458,524,750 | 1,739 |
| Average equity | $69,957,500 | 1,245 |
| Average total loans | $411,346,000 | 1,442 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5148% | 813 |
| Cost of funding earning assets | 1.6033% | 1,056 |
| Net interest margin | 3.9115% | 1,403 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 2.6630% | 1,741 |
| Loan and lease loss provision to assets | 0.2400% | 414 |
| Net operating income to assets | 1.2045% | 1,824 |
| Return on assets (ROA) | 1.2016% | 1,817 |
| Pretax return on assets | 1.2016% | 2,354 |
| Return on Equity (ROE) | 8.4800% | 3,117 |
| Retained earnings to average equity (ytd only) | 4.4955% | 3,083 |
| Net charge-offs to loans | 0.1035% | 666 |
| Credit loss provision to net charge-offs | 282.8571% | 891 |
| Earnings coverage of net charge-offs (x) | 16.7571% | 1,819 |
| Efficiency ratio | 64.3901% | 2,437 |
| Assets per employee ($millions) | 5.9450% | 2,759 |
| Cash dividends to net income (ytd only)* | 47.0185% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8161% | 3,981 |
| Loan loss allowance to noncurrent loans | 48.4682% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 1.4246% | 255 |
| Noncurrent loans to loans | 1.6839% | 368 |
| Net loans and leases to total assets | 83.5400% | 304 |
| Net loans and leases to deposits | 102.9254% | 402 |
| Net loans and leases to core deposits | 123.6943% | 436 |
| Total domestic deposits to total assets | 81.1700% | 3,397 |
| Equity capital to assets | 13.9322% | 659 |
| Core capital (leverage) ratio | 13.7147% | 827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $485,696,667 | 1,759 |
| Average earning assets | $452,054,667 | 1,750 |
| Average equity | $68,780,333 | 1,254 |
| Average total loans | $405,710,333 | 1,443 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4127% | 703 |
| Cost of funding earning assets | 1.4686% | 895 |
| Net interest margin | 3.9441% | 1,377 |
| Noninterest income to average assets | 0.4800% | 1,921 |
| Noninterest expense to average assets | 2.5954% | 1,964 |
| Loan and lease loss provision to assets | 0.2800% | 314 |
| Net operating income to assets | 1.2747% | 1,738 |
| Return on assets (ROA) | 1.2747% | 1,710 |
| Pretax return on assets | 1.2747% | 2,243 |
| Return on Equity (ROE) | 8.9300% | 3,070 |
| Retained earnings to average equity (ytd only) | 4.0829% | 3,252 |
| Net charge-offs to loans | 0.0904% | 629 |
| Credit loss provision to net charge-offs | 374.4444% | 631 |
| Earnings coverage of net charge-offs (x) | 20.7000% | 1,442 |
| Efficiency ratio | 62.1328% | 2,677 |
| Assets per employee ($millions) | 5.7484% | 2,984 |
| Cash dividends to net income (ytd only)* | 54.2595% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8229% | 4,047 |
| Loan loss allowance to noncurrent loans | 49.2455% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 1.3925% | 247 |
| Noncurrent loans to loans | 1.6711% | 375 |
| Net loans and leases to total assets | 82.2600% | 348 |
| Net loans and leases to deposits | 103.0522% | 329 |
| Net loans and leases to core deposits | 117.5857% | 498 |
| Total domestic deposits to total assets | 79.8300% | 3,782 |
| Equity capital to assets | 14.2446% | 560 |
| Core capital (leverage) ratio | 13.8022% | 770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $478,853,500 | 1,796 |
| Average earning assets | $445,323,000 | 1,787 |
| Average equity | $68,383,000 | 1,270 |
| Average total loans | $398,248,500 | 1,476 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7803% | 447 |
| Cost of funding earning assets | 0.4175% | 1,961 |
| Net interest margin | 4.3628% | 373 |
| Noninterest income to average assets | 0.5900% | 1,691 |
| Noninterest expense to average assets | 2.6253% | 1,756 |
| Loan and lease loss provision to assets | 0.2200% | 456 |
| Net operating income to assets | 1.7873% | 455 |
| Return on assets (ROA) | 1.7860% | 438 |
| Pretax return on assets | 1.7860% | 762 |
| Return on Equity (ROE) | 13.5000% | 1,657 |
| Retained earnings to average equity (ytd only) | 5.3741% | 2,886 |
| Net charge-offs to loans | -0.0040% | 3,585 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 56.2823% | 3,556 |
| Assets per employee ($millions) | 5.6529% | 3,083 |
| Cash dividends to net income (ytd only)* | 60.1883% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7697% | 4,094 |
| Loan loss allowance to noncurrent loans | 51.5998% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 1.2440% | 297 |
| Noncurrent loans to loans | 1.4917% | 437 |
| Net loans and leases to total assets | 82.7500% | 349 |
| Net loans and leases to deposits | 107.1121% | 222 |
| Net loans and leases to core deposits | 119.5180% | 378 |
| Total domestic deposits to total assets | 77.2600% | 4,143 |
| Equity capital to assets | 14.3172% | 542 |
| Core capital (leverage) ratio | 14.0408% | 715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $434,165,000 | 1,909 |
| Average earning assets | $402,405,400 | 1,909 |
| Average equity | $57,442,400 | 1,453 |
| Average total loans | $347,652,400 | 1,554 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7182% | 338 |
| Cost of funding earning assets | 0.3705% | 1,524 |
| Net interest margin | 4.3477% | 308 |
| Noninterest income to average assets | 0.6300% | 1,585 |
| Noninterest expense to average assets | 2.5808% | 1,764 |
| Loan and lease loss provision to assets | 0.2300% | 365 |
| Net operating income to assets | 1.8402% | 390 |
| Return on assets (ROA) | 1.8412% | 379 |
| Pretax return on assets | 1.8412% | 671 |
| Return on Equity (ROE) | 14.2400% | 1,365 |
| Retained earnings to average equity (ytd only) | 9.1835% | 1,585 |
| Net charge-offs to loans | -0.0560% | 4,336 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 55.1078% | 3,709 |
| Assets per employee ($millions) | 5.5138% | 3,202 |
| Cash dividends to net income (ytd only)* | 35.5252% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7649% | 4,154 |
| Loan loss allowance to noncurrent loans | 46.9782% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 1.3723% | 269 |
| Noncurrent loans to loans | 1.6281% | 413 |
| Net loans and leases to total assets | 82.5200% | 350 |
| Net loans and leases to deposits | 103.5344% | 248 |
| Net loans and leases to core deposits | 113.7278% | 368 |
| Total domestic deposits to total assets | 79.7100% | 4,123 |
| Equity capital to assets | 14.7923% | 473 |
| Core capital (leverage) ratio | 14.8259% | 562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $423,995,750 | 1,948 |
| Average earning assets | $392,624,750 | 1,952 |
| Average equity | $54,807,000 | 1,513 |
| Average total loans | $335,570,750 | 1,586 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7164% | 249 |
| Cost of funding earning assets | 0.3747% | 1,082 |
| Net interest margin | 4.3417% | 256 |
| Noninterest income to average assets | 0.6945% | 1,361 |
| Noninterest expense to average assets | 2.5683% | 1,733 |
| Loan and lease loss provision to assets | 0.3563% | 168 |
| Net operating income to assets | 1.7857% | 350 |
| Return on assets (ROA) | 1.7857% | 346 |
| Pretax return on assets | 1.7857% | 622 |
| Return on Equity (ROE) | 14.6063% | 978 |
| Retained earnings to average equity (ytd only) | 9.1006% | 1,258 |
| Net charge-offs to loans | -0.1135% | 4,482 |
| Credit loss provision to net charge-offs | -404.4199% | 3,341 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1434% | 3,952 |
| Assets per employee ($millions) | 5.1519% | 3,545 |
| Cash dividends to net income (ytd only)* | 37.6942% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8669% | 4,043 |
| Loan loss allowance to noncurrent loans | 72.6167% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 0.9507% | 510 |
| Noncurrent loans to loans | 1.1937% | 668 |
| Net loans and leases to total assets | 77.0711% | 630 |
| Net loans and leases to deposits | 94.2627% | 507 |
| Net loans and leases to core deposits | 102.7920% | 558 |
| Total domestic deposits to total assets | 81.7620% | 4,039 |
| Equity capital to assets | 15.2612% | 383 |
| Core capital (leverage) ratio | 15.1258% | 460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $410,941,000 | 2,007 |
| Average earning assets | $380,081,667 | 2,021 |
| Average equity | $50,238,667 | 1,680 |
| Average total loans | $319,038,667 | 1,637 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5956% | 261 |
| Cost of funding earning assets | 0.3709% | 1,055 |
| Net interest margin | 4.2246% | 272 |
| Noninterest income to average assets | 0.5146% | 2,072 |
| Noninterest expense to average assets | 2.5729% | 1,683 |
| Loan and lease loss provision to assets | 0.1145% | 730 |
| Net operating income to assets | 1.7383% | 378 |
| Return on assets (ROA) | 1.7383% | 380 |
| Pretax return on assets | 1.7383% | 635 |
| Return on Equity (ROE) | 16.5201% | 476 |
| Retained earnings to average equity (ytd only) | 10.5416% | 893 |
| Net charge-offs to loans | -0.0614% | 4,331 |
| Credit loss provision to net charge-offs | -240.4255% | 3,009 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7020% | 3,711 |
| Assets per employee ($millions) | 4.6662% | 4,027 |
| Cash dividends to net income (ytd only)* | 36.1888% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7110% | 4,369 |
| Loan loss allowance to noncurrent loans | 45.7881% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 1.2437% | 349 |
| Noncurrent loans to loans | 1.5528% | 522 |
| Net loans and leases to total assets | 77.7438% | 395 |
| Net loans and leases to deposits | 90.1377% | 505 |
| Net loans and leases to core deposits | 98.8661% | 544 |
| Total domestic deposits to total assets | 86.2500% | 3,175 |
| Equity capital to assets | 10.4120% | 1,626 |
| Core capital (leverage) ratio | 9.6412% | 2,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $394,879,000 | 2,075 |
| Average earning assets | $365,570,500 | 2,092 |
| Average equity | $41,549,500 | 1,990 |
| Average total loans | $306,327,500 | 1,681 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5386% | 567 |
| Cost of funding earning assets | 0.4395% | 1,264 |
| Net interest margin | 4.0991% | 598 |
| Noninterest income to average assets | 0.6038% | 2,138 |
| Noninterest expense to average assets | 2.8567% | 1,240 |
| Loan and lease loss provision to assets | 0.1593% | 746 |
| Net operating income to assets | 1.3408% | 1,472 |
| Return on assets (ROA) | 1.3542% | 1,466 |
| Pretax return on assets | 1.3542% | 2,189 |
| Return on Equity (ROE) | 12.3309% | 1,702 |
| Retained earnings to average equity (ytd only) | 4.0403% | 3,209 |
| Net charge-offs to loans | 0.0263% | 1,716 |
| Credit loss provision to net charge-offs | 873.5294% | 576 |
| Earnings coverage of net charge-offs (x) | 82.2794% | 976 |
| Efficiency ratio | 65.1138% | 2,382 |
| Assets per employee ($millions) | 4.5170% | 4,103 |
| Cash dividends to net income (ytd only)* | 67.2342% | 815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6946% | 4,431 |
| Loan loss allowance to noncurrent loans | 79.3341% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 0.7064% | 892 |
| Noncurrent loans to loans | 0.8756% | 1,160 |
| Net loans and leases to total assets | 76.2920% | 503 |
| Net loans and leases to deposits | 88.8419% | 614 |
| Net loans and leases to core deposits | 97.9081% | 618 |
| Total domestic deposits to total assets | 85.8738% | 2,953 |
| Equity capital to assets | 10.6358% | 2,059 |
| Core capital (leverage) ratio | 9.6906% | 2,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $372,976,600 | 2,099 |
| Average earning assets | $341,491,000 | 2,120 |
| Average equity | $40,962,000 | 2,056 |
| Average total loans | $258,781,200 | 1,886 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5176% | 652 |
| Cost of funding earning assets | 0.4622% | 1,275 |
| Net interest margin | 4.0554% | 706 |
| Noninterest income to average assets | 0.5877% | 2,260 |
| Noninterest expense to average assets | 2.8035% | 1,330 |
| Loan and lease loss provision to assets | 0.1604% | 690 |
| Net operating income to assets | 1.3261% | 1,742 |
| Return on assets (ROA) | 1.3387% | 1,773 |
| Pretax return on assets | 1.3387% | 2,518 |
| Return on Equity (ROE) | 12.0890% | 2,013 |
| Retained earnings to average equity (ytd only) | 8.5726% | 1,851 |
| Net charge-offs to loans | 0.0230% | 1,581 |
| Credit loss provision to net charge-offs | 1,032.5581% | 509 |
| Earnings coverage of net charge-offs (x) | 95.6977% | 893 |
| Efficiency ratio | 64.8787% | 2,262 |
| Assets per employee ($millions) | 4.4341% | 4,168 |
| Cash dividends to net income (ytd only)* | 29.0880% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7120% | 4,483 |
| Loan loss allowance to noncurrent loans | 65.0200% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 0.8329% | 845 |
| Noncurrent loans to loans | 1.0951% | 1,030 |
| Net loans and leases to total assets | 72.0741% | 868 |
| Net loans and leases to deposits | 84.7820% | 907 |
| Net loans and leases to core deposits | 93.0610% | 866 |
| Total domestic deposits to total assets | 85.0110% | 3,110 |
| Equity capital to assets | 11.2675% | 1,839 |
| Core capital (leverage) ratio | 10.1226% | 2,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $369,105,000 | 2,128 |
| Average earning assets | $336,954,500 | 2,168 |
| Average equity | $40,873,500 | 2,084 |
| Average total loans | $248,866,750 | 1,963 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4325% | 817 |
| Cost of funding earning assets | 0.4926% | 1,243 |
| Net interest margin | 3.9399% | 907 |
| Noninterest income to average assets | 0.6068% | 2,185 |
| Noninterest expense to average assets | 2.9587% | 1,052 |
| Loan and lease loss provision to assets | 0.2008% | 556 |
| Net operating income to assets | 1.0221% | 2,814 |
| Return on assets (ROA) | 1.0412% | 2,830 |
| Pretax return on assets | 1.0412% | 3,353 |
| Return on Equity (ROE) | 9.4590% | 2,962 |
| Retained earnings to average equity (ytd only) | 7.1389% | 2,381 |
| Net charge-offs to loans | 0.0116% | 1,727 |
| Credit loss provision to net charge-offs | 2,628.5714% | 231 |
| Earnings coverage of net charge-offs (x) | 160.0714% | 571 |
| Efficiency ratio | 70.2727% | 1,601 |
| Assets per employee ($millions) | 4.2966% | 4,258 |
| Cash dividends to net income (ytd only)* | 24.5283% | 2,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7582% | 4,437 |
| Loan loss allowance to noncurrent loans | 68.6282% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 0.7683% | 1,069 |
| Noncurrent loans to loans | 1.1048% | 1,096 |
| Net loans and leases to total assets | 67.3422% | 1,533 |
| Net loans and leases to deposits | 79.2153% | 1,495 |
| Net loans and leases to core deposits | 87.7136% | 1,288 |
| Total domestic deposits to total assets | 85.0115% | 3,088 |
| Equity capital to assets | 11.1817% | 1,843 |
| Core capital (leverage) ratio | 9.7883% | 2,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $366,507,667 | 2,129 |
| Average earning assets | $332,547,333 | 2,179 |
| Average equity | $40,342,333 | 2,092 |
| Average total loans | $240,624,667 | 2,027 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4422% | 855 |
| Cost of funding earning assets | 0.5243% | 1,243 |
| Net interest margin | 3.9180% | 954 |
| Noninterest income to average assets | 0.6400% | 2,063 |
| Noninterest expense to average assets | 3.0399% | 928 |
| Loan and lease loss provision to assets | 0.2214% | 524 |
| Net operating income to assets | 0.9085% | 3,107 |
| Return on assets (ROA) | 0.9085% | 3,183 |
| Pretax return on assets | 0.9085% | 3,581 |
| Return on Equity (ROE) | 8.3202% | 3,234 |
| Retained earnings to average equity (ytd only) | 5.6103% | 3,025 |
| Net charge-offs to loans | 0.0272% | 1,222 |
| Credit loss provision to net charge-offs | 1,262.5000% | 355 |
| Earnings coverage of net charge-offs (x) | 64.4375% | 792 |
| Efficiency ratio | 72.4047% | 1,458 |
| Assets per employee ($millions) | 4.3009% | 4,271 |
| Cash dividends to net income (ytd only)* | 32.5694% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7305% | 4,516 |
| Loan loss allowance to noncurrent loans | 55.7235% | 3,905 |
| Noncurrent assets plus other real estate owned to assets | 0.8735% | 1,010 |
| Noncurrent loans to loans | 1.3109% | 992 |
| Net loans and leases to total assets | 63.6716% | 2,089 |
| Net loans and leases to deposits | 74.5121% | 2,067 |
| Net loans and leases to core deposits | 82.9094% | 1,760 |
| Total domestic deposits to total assets | 85.4513% | 2,946 |
| Equity capital to assets | 10.8402% | 1,975 |
| Core capital (leverage) ratio | 9.9102% | 2,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $365,009,500 | 2,123 |
| Average earning assets | $328,843,500 | 2,178 |
| Average equity | $39,855,000 | 2,098 |
| Average total loans | $235,570,500 | 2,059 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9266% | 572 |
| Cost of funding earning assets | 0.8319% | 1,084 |
| Net interest margin | 4.0947% | 791 |
| Noninterest income to average assets | 0.7793% | 1,595 |
| Noninterest expense to average assets | 3.0387% | 1,350 |
| Loan and lease loss provision to assets | 0.1551% | 2,428 |
| Net operating income to assets | 1.3495% | 1,127 |
| Return on assets (ROA) | 1.3495% | 1,226 |
| Pretax return on assets | 1.3495% | 1,823 |
| Return on Equity (ROE) | 10.5942% | 1,777 |
| Retained earnings to average equity (ytd only) | -20.9962% | 4,961 |
| Net charge-offs to loans | 0.1023% | 1,449 |
| Credit loss provision to net charge-offs | 219.5980% | 2,071 |
| Earnings coverage of net charge-offs (x) | 21.2965% | 1,903 |
| Efficiency ratio | 66.8829% | 2,376 |
| Assets per employee ($millions) | 4.1877% | 4,218 |
| Cash dividends to net income (ytd only)* | 298.1847% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6614% | 4,653 |
| Loan loss allowance to noncurrent loans | 51.9825% | 3,999 |
| Noncurrent assets plus other real estate owned to assets | 0.8974% | 1,107 |
| Noncurrent loans to loans | 1.2723% | 1,075 |
| Net loans and leases to total assets | 64.5175% | 2,293 |
| Net loans and leases to deposits | 75.7508% | 2,307 |
| Net loans and leases to core deposits | 85.7096% | 1,894 |
| Total domestic deposits to total assets | 85.1707% | 2,694 |
| Equity capital to assets | 10.9997% | 2,252 |
| Core capital (leverage) ratio | 9.8945% | 2,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $281,665,000 | 2,392 |
| Average earning assets | $258,922,000 | 2,410 |
| Average equity | $35,878,000 | 2,184 |
| Average total loans | $194,610,200 | 2,294 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1229% | 477 |
| Cost of funding earning assets | 0.9178% | 1,007 |
| Net interest margin | 4.2051% | 720 |
| Noninterest income to average assets | 0.6686% | 1,912 |
| Noninterest expense to average assets | 3.0340% | 1,367 |
| Loan and lease loss provision to assets | 0.1431% | 2,589 |
| Net operating income to assets | 1.4104% | 1,077 |
| Return on assets (ROA) | 1.4104% | 1,170 |
| Pretax return on assets | 1.4104% | 1,695 |
| Return on Equity (ROE) | 10.5767% | 1,821 |
| Retained earnings to average equity (ytd only) | 7.2075% | 1,613 |
| Net charge-offs to loans | 0.1017% | 1,296 |
| Credit loss provision to net charge-offs | 199.2908% | 2,118 |
| Earnings coverage of net charge-offs (x) | 21.6525% | 1,858 |
| Efficiency ratio | 66.1380% | 2,453 |
| Assets per employee ($millions) | 4.2931% | 4,055 |
| Cash dividends to net income (ytd only)* | 31.8543% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7533% | 4,474 |
| Loan loss allowance to noncurrent loans | 37.7737% | 4,213 |
| Noncurrent assets plus other real estate owned to assets | 1.6572% | 485 |
| Noncurrent loans to loans | 1.9942% | 607 |
| Net loans and leases to total assets | 71.7249% | 1,710 |
| Net loans and leases to deposits | 88.1094% | 1,474 |
| Net loans and leases to core deposits | 104.5292% | 900 |
| Total domestic deposits to total assets | 81.4044% | 3,565 |
| Equity capital to assets | 13.4849% | 1,006 |
| Core capital (leverage) ratio | 13.1031% | 920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $262,046,750 | 2,495 |
| Average earning assets | $244,203,750 | 2,486 |
| Average equity | $34,944,000 | 2,225 |
| Average total loans | $184,788,000 | 2,374 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1699% | 607 |
| Cost of funding earning assets | 0.9633% | 1,094 |
| Net interest margin | 4.2066% | 906 |
| Noninterest income to average assets | 0.7573% | 1,556 |
| Noninterest expense to average assets | 2.9309% | 1,760 |
| Loan and lease loss provision to assets | 0.2156% | 1,933 |
| Net operating income to assets | 1.5307% | 879 |
| Return on assets (ROA) | 1.5307% | 952 |
| Pretax return on assets | 1.5307% | 1,385 |
| Return on Equity (ROE) | 11.5226% | 1,472 |
| Retained earnings to average equity (ytd only) | 8.0571% | 1,284 |
| Net charge-offs to loans | 0.1547% | 950 |
| Credit loss provision to net charge-offs | 199.2908% | 1,930 |
| Earnings coverage of net charge-offs (x) | 16.1418% | 1,874 |
| Efficiency ratio | 62.6640% | 3,014 |
| Assets per employee ($millions) | 4.5342% | 3,740 |
| Cash dividends to net income (ytd only)* | 30.0752% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7557% | 4,449 |
| Loan loss allowance to noncurrent loans | 32.4524% | 4,339 |
| Noncurrent assets plus other real estate owned to assets | 1.6655% | 511 |
| Noncurrent loans to loans | 2.3286% | 530 |
| Net loans and leases to total assets | 67.6916% | 2,409 |
| Net loans and leases to deposits | 81.9443% | 2,214 |
| Net loans and leases to core deposits | 93.1901% | 1,809 |
| Total domestic deposits to total assets | 82.6068% | 3,202 |
| Equity capital to assets | 12.6034% | 1,335 |
| Core capital (leverage) ratio | 12.9669% | 1,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $260,672,000 | 2,475 |
| Average earning assets | $242,906,667 | 2,470 |
| Average equity | $34,627,667 | 2,227 |
| Average total loans | $182,264,000 | 2,383 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4524% | 412 |
| Cost of funding earning assets | 1.0300% | 1,297 |
| Net interest margin | 4.4224% | 598 |
| Noninterest income to average assets | 1.0206% | 816 |
| Noninterest expense to average assets | 3.0442% | 1,774 |
| Loan and lease loss provision to assets | 0.4488% | 676 |
| Net operating income to assets | 1.6355% | 581 |
| Return on assets (ROA) | 1.6355% | 641 |
| Pretax return on assets | 1.6355% | 984 |
| Return on Equity (ROE) | 11.9675% | 1,114 |
| Retained earnings to average equity (ytd only) | 8.7770% | 1,032 |
| Net charge-offs to loans | 0.2929% | 498 |
| Credit loss provision to net charge-offs | 216.1538% | 1,375 |
| Earnings coverage of net charge-offs (x) | 10.0385% | 1,790 |
| Efficiency ratio | 59.3585% | 3,821 |
| Assets per employee ($millions) | 4.1469% | 3,725 |
| Cash dividends to net income (ytd only)* | 26.6602% | 2,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8136% | 4,376 |
| Loan loss allowance to noncurrent loans | 42.0749% | 4,216 |
| Noncurrent assets plus other real estate owned to assets | 1.4103% | 790 |
| Noncurrent loans to loans | 1.9337% | 750 |
| Net loans and leases to total assets | 69.2277% | 2,364 |
| Net loans and leases to deposits | 84.9163% | 2,114 |
| Net loans and leases to core deposits | 97.9199% | 1,632 |
| Total domestic deposits to total assets | 81.5247% | 3,540 |
| Equity capital to assets | 13.4474% | 1,245 |
| Core capital (leverage) ratio | 13.6396% | 1,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $250,447,000 | 2,491 |
| Average earning assets | $232,632,500 | 2,483 |
| Average equity | $34,226,000 | 2,234 |
| Average total loans | $177,523,500 | 2,385 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6331% | 446 |
| Cost of funding earning assets | 0.9718% | 1,850 |
| Net interest margin | 4.6613% | 509 |
| Noninterest income to average assets | 0.6437% | 2,031 |
| Noninterest expense to average assets | 3.3129% | 1,273 |
| Loan and lease loss provision to assets | 0.1140% | 1,849 |
| Net operating income to assets | 1.5410% | 959 |
| Return on assets (ROA) | 1.5410% | 1,020 |
| Pretax return on assets | 1.5410% | 1,681 |
| Return on Equity (ROE) | 10.7514% | 1,987 |
| Retained earnings to average equity (ytd only) | 3.7734% | 3,092 |
| Net charge-offs to loans | 0.3376% | 612 |
| Credit loss provision to net charge-offs | 45.7976% | 3,159 |
| Earnings coverage of net charge-offs (x) | 6.6501% | 2,954 |
| Efficiency ratio | 66.6867% | 2,664 |
| Assets per employee ($millions) | 3.8697% | 4,063 |
| Cash dividends to net income (ytd only)* | 64.9030% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7454% | 4,468 |
| Loan loss allowance to noncurrent loans | 31.6336% | 4,404 |
| Noncurrent assets plus other real estate owned to assets | 1.8516% | 458 |
| Noncurrent loans to loans | 2.3565% | 495 |
| Net loans and leases to total assets | 71.4922% | 2,172 |
| Net loans and leases to deposits | 88.4627% | 1,777 |
| Net loans and leases to core deposits | 102.6231% | 1,345 |
| Total domestic deposits to total assets | 80.8162% | 3,807 |
| Equity capital to assets | 13.8964% | 1,139 |
| Core capital (leverage) ratio | 13.6841% | 1,003 |
| Tier 1 risk-based capital ratio | 20.8455% | 1,193 |
| Total risk-based capital ratio | 21.6560% | 1,234 |
| Memoranda: | ||
| Average total assets | $234,265,800 | 2,546 |
| Average earning assets | $217,321,400 | 2,549 |
| Average equity | $33,577,000 | 2,204 |
| Average total loans | $172,685,000 | 2,390 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5392% | 552 |
| Cost of funding earning assets | 0.9266% | 2,105 |
| Net interest margin | 4.6126% | 603 |
| Noninterest income to average assets | 0.5853% | 2,284 |
| Noninterest expense to average assets | 3.2872% | 1,301 |
| Loan and lease loss provision to assets | 0.1535% | 1,221 |
| Net operating income to assets | 1.4265% | 1,395 |
| Return on assets (ROA) | 1.4265% | 1,448 |
| Pretax return on assets | 1.4265% | 2,202 |
| Return on Equity (ROE) | 9.8739% | 2,487 |
| Retained earnings to average equity (ytd only) | 6.5786% | 2,070 |
| Net charge-offs to loans | 0.4125% | 403 |
| Credit loss provision to net charge-offs | 50.1880% | 2,789 |
| Earnings coverage of net charge-offs (x) | 5.1654% | 2,942 |
| Efficiency ratio | 67.5369% | 2,491 |
| Assets per employee ($millions) | 3.8765% | 4,059 |
| Cash dividends to net income (ytd only)* | 33.3735% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7815% | 4,459 |
| Loan loss allowance to noncurrent loans | 28.9917% | 4,515 |
| Noncurrent assets plus other real estate owned to assets | 2.1125% | 393 |
| Noncurrent loans to loans | 2.6956% | 403 |
| Net loans and leases to total assets | 70.7002% | 2,373 |
| Net loans and leases to deposits | 87.8844% | 1,948 |
| Net loans and leases to core deposits | 101.0233% | 1,579 |
| Total domestic deposits to total assets | 80.4469% | 3,877 |
| Equity capital to assets | 14.0764% | 1,122 |
| Core capital (leverage) ratio | 14.3271% | 897 |
| Tier 1 risk-based capital ratio | 20.0840% | 1,347 |
| Total risk-based capital ratio | 20.8861% | 1,397 |
| Memoranda: | ||
| Average total assets | $231,885,000 | 2,589 |
| Average earning assets | $215,259,500 | 2,587 |
| Average equity | $33,501,750 | 2,228 |
| Average total loans | $171,956,500 | 2,428 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5303% | 538 |
| Cost of funding earning assets | 0.8439% | 2,425 |
| Net interest margin | 4.6864% | 504 |
| Noninterest income to average assets | 0.6612% | 1,870 |
| Noninterest expense to average assets | 3.3841% | 1,134 |
| Loan and lease loss provision to assets | 0.1150% | 1,629 |
| Net operating income to assets | 1.5068% | 1,133 |
| Return on assets (ROA) | 1.5068% | 1,183 |
| Pretax return on assets | 1.5068% | 1,839 |
| Return on Equity (ROE) | 10.3342% | 2,239 |
| Retained earnings to average equity (ytd only) | 6.9858% | 1,813 |
| Net charge-offs to loans | 0.5500% | 285 |
| Credit loss provision to net charge-offs | 27.8132% | 2,610 |
| Earnings coverage of net charge-offs (x) | 3.9214% | 2,785 |
| Efficiency ratio | 67.6022% | 2,598 |
| Assets per employee ($millions) | 3.6900% | 4,259 |
| Cash dividends to net income (ytd only)* | 32.4009% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7356% | 4,634 |
| Loan loss allowance to noncurrent loans | 26.0755% | 4,606 |
| Noncurrent assets plus other real estate owned to assets | 2.2437% | 366 |
| Noncurrent loans to loans | 2.8210% | 377 |
| Net loans and leases to total assets | 74.5919% | 1,785 |
| Net loans and leases to deposits | 93.5322% | 1,304 |
| Net loans and leases to core deposits | 108.1363% | 1,094 |
| Total domestic deposits to total assets | 79.7500% | 4,084 |
| Equity capital to assets | 14.5886% | 923 |
| Core capital (leverage) ratio | 14.5656% | 807 |
| Tier 1 risk-based capital ratio | 20.9021% | 1,190 |
| Total risk-based capital ratio | 21.7024% | 1,230 |
| Memoranda: | ||
| Average total assets | $227,774,330 | 2,627 |
| Average earning assets | $211,163,330 | 2,627 |
| Average equity | $33,210,000 | 2,237 |
| Average total loans | $171,268,000 | 2,446 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5036% | 523 |
| Cost of funding earning assets | 0.7559% | 2,764 |
| Net interest margin | 4.7477% | 446 |
| Noninterest income to average assets | 0.6690% | 1,731 |
| Noninterest expense to average assets | 3.2898% | 1,306 |
| Loan and lease loss provision to assets | 0.1189% | 1,474 |
| Net operating income to assets | 1.6626% | 793 |
| Return on assets (ROA) | 1.6626% | 820 |
| Pretax return on assets | 1.6626% | 1,304 |
| Return on Equity (ROE) | 11.4067% | 1,779 |
| Retained earnings to average equity (ytd only) | 8.0954% | 1,620 |
| Net charge-offs to loans | 0.8210% | 181 |
| Credit loss provision to net charge-offs | 19.2529% | 2,140 |
| Earnings coverage of net charge-offs (x) | 2.8851% | 2,449 |
| Efficiency ratio | 64.8705% | 3,101 |
| Assets per employee ($millions) | 3.7004% | 4,343 |
| Cash dividends to net income (ytd only)* | 29.0288% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7838% | 4,568 |
| Loan loss allowance to noncurrent loans | 32.2844% | 4,589 |
| Noncurrent assets plus other real estate owned to assets | 1.8475% | 563 |
| Noncurrent loans to loans | 2.4277% | 548 |
| Net loans and leases to total assets | 72.9795% | 1,988 |
| Net loans and leases to deposits | 91.0300% | 1,508 |
| Net loans and leases to core deposits | 104.4747% | 1,283 |
| Total domestic deposits to total assets | 80.1709% | 4,148 |
| Equity capital to assets | 14.2690% | 946 |
| Core capital (leverage) ratio | 14.7355% | 757 |
| Tier 1 risk-based capital ratio | 21.2320% | 1,136 |
| Total risk-based capital ratio | 22.0950% | 1,160 |
| Memoranda: | ||
| Average total assets | $225,427,000 | 2,675 |
| Average earning assets | $209,028,500 | 2,677 |
| Average equity | $32,858,000 | 2,260 |
| Average total loans | $169,558,000 | 2,483 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6135% | 330 |
| Cost of funding earning assets | 0.6014% | 2,705 |
| Net interest margin | 5.0122% | 257 |
| Noninterest income to average assets | 0.7444% | 1,674 |
| Noninterest expense to average assets | 3.5668% | 909 |
| Loan and lease loss provision to assets | 0.0479% | 3,226 |
| Net operating income to assets | 1.7462% | 620 |
| Return on assets (ROA) | 1.7462% | 614 |
| Pretax return on assets | 1.7462% | 1,055 |
| Return on Equity (ROE) | 11.6513% | 1,843 |
| Retained earnings to average equity (ytd only) | 3.6430% | 3,579 |
| Net charge-offs to loans | 0.0718% | 2,091 |
| Credit loss provision to net charge-offs | 88.7931% | 2,737 |
| Earnings coverage of net charge-offs (x) | 33.2845% | 1,499 |
| Efficiency ratio | 66.5338% | 2,781 |
| Assets per employee ($millions) | 3.4560% | 4,600 |
| Cash dividends to net income (ytd only)* | 68.7334% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9694% | 3,867 |
| Loan loss allowance to noncurrent loans | 47.8222% | 4,354 |
| Noncurrent assets plus other real estate owned to assets | 1.7118% | 624 |
| Noncurrent loans to loans | 2.0270% | 663 |
| Net loans and leases to total assets | 76.2478% | 1,568 |
| Net loans and leases to deposits | 93.6323% | 1,320 |
| Net loans and leases to core deposits | 107.8182% | 1,131 |
| Total domestic deposits to total assets | 81.4332% | 3,803 |
| Equity capital to assets | 14.9044% | 731 |
| Core capital (leverage) ratio | 14.9105% | 713 |
| Tier 1 risk-based capital ratio | 21.4430% | 1,106 |
| Total risk-based capital ratio | 22.5185% | 1,110 |
| Memoranda: | ||
| Average total assets | $215,204,800 | 2,731 |
| Average earning assets | $198,217,800 | 2,736 |
| Average equity | $32,253,800 | 2,202 |
| Average total loans | $161,647,400 | 2,503 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5394% | 332 |
| Cost of funding earning assets | 0.5816% | 2,620 |
| Net interest margin | 4.9577% | 280 |
| Noninterest income to average assets | 0.7301% | 1,751 |
| Noninterest expense to average assets | 3.5611% | 907 |
| Loan and lease loss provision to assets | 0.0329% | 3,358 |
| Net operating income to assets | 1.6963% | 750 |
| Return on assets (ROA) | 1.6963% | 751 |
| Pretax return on assets | 1.6963% | 1,283 |
| Return on Equity (ROE) | 11.3025% | 2,052 |
| Retained earnings to average equity (ytd only) | 7.5350% | 1,873 |
| Net charge-offs to loans | 0.0658% | 1,888 |
| Credit loss provision to net charge-offs | 67.0886% | 2,661 |
| Earnings coverage of net charge-offs (x) | 35.2280% | 1,458 |
| Efficiency ratio | 67.3127% | 2,655 |
| Assets per employee ($millions) | 3.4420% | 4,634 |
| Cash dividends to net income (ytd only)* | 33.3332% | 2,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9806% | 3,890 |
| Loan loss allowance to noncurrent loans | 48.5981% | 4,426 |
| Noncurrent assets plus other real estate owned to assets | 1.6371% | 761 |
| Noncurrent loans to loans | 2.0179% | 724 |
| Net loans and leases to total assets | 75.0624% | 1,802 |
| Net loans and leases to deposits | 90.1787% | 1,870 |
| Net loans and leases to core deposits | 102.9565% | 1,534 |
| Total domestic deposits to total assets | 83.2373% | 3,220 |
| Equity capital to assets | 15.1837% | 681 |
| Core capital (leverage) ratio | 15.4103% | 609 |
| Tier 1 risk-based capital ratio | 22.1790% | 1,029 |
| Total risk-based capital ratio | 23.2610% | 1,031 |
| Memoranda: | ||
| Average total assets | $214,574,250 | 2,752 |
| Average earning assets | $197,370,500 | 2,759 |
| Average equity | $32,204,500 | 2,203 |
| Average total loans | $160,150,000 | 2,533 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4853% | 324 |
| Cost of funding earning assets | 0.5603% | 2,513 |
| Net interest margin | 4.9250% | 283 |
| Noninterest income to average assets | 0.7006% | 1,868 |
| Noninterest expense to average assets | 3.5937% | 874 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.6285% | 851 |
| Return on assets (ROA) | 1.6285% | 855 |
| Pretax return on assets | 1.6285% | 1,407 |
| Return on Equity (ROE) | 10.8934% | 2,155 |
| Retained earnings to average equity (ytd only) | 7.2456% | 1,957 |
| Net charge-offs to loans | 0.0302% | 2,254 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 72.5417% | 885 |
| Efficiency ratio | 68.8160% | 2,513 |
| Assets per employee ($millions) | 3.4785% | 4,621 |
| Cash dividends to net income (ytd only)* | 33.4865% | 2,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9934% | 3,889 |
| Loan loss allowance to noncurrent loans | 40.5120% | 4,586 |
| Noncurrent assets plus other real estate owned to assets | 1.8942% | 584 |
| Noncurrent loans to loans | 2.4520% | 537 |
| Net loans and leases to total assets | 73.4057% | 2,058 |
| Net loans and leases to deposits | 87.6429% | 2,155 |
| Net loans and leases to core deposits | 100.4716% | 1,695 |
| Total domestic deposits to total assets | 83.7555% | 3,147 |
| Equity capital to assets | 14.7761% | 738 |
| Core capital (leverage) ratio | 15.0159% | 664 |
| Tier 1 risk-based capital ratio | 22.2037% | 1,013 |
| Total risk-based capital ratio | 23.3104% | 1,016 |
| Memoranda: | ||
| Average total assets | $213,817,330 | 2,777 |
| Average earning assets | $196,306,000 | 2,790 |
| Average equity | $31,964,330 | 2,225 |
| Average total loans | $158,739,670 | 2,561 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4043% | 329 |
| Cost of funding earning assets | 0.5205% | 2,633 |
| Net interest margin | 4.8838% | 290 |
| Noninterest income to average assets | 0.7104% | 1,784 |
| Noninterest expense to average assets | 3.6031% | 870 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6045% | 852 |
| Return on assets (ROA) | 1.6045% | 853 |
| Pretax return on assets | 1.6045% | 1,384 |
| Return on Equity (ROE) | 10.6688% | 2,098 |
| Retained earnings to average equity (ytd only) | 7.4569% | 2,075 |
| Net charge-offs to loans | -0.0280% | 4,713 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1888% | 2,632 |
| Assets per employee ($millions) | 3.3586% | 4,836 |
| Cash dividends to net income (ytd only)* | 30.1063% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0536% | 3,639 |
| Loan loss allowance to noncurrent loans | 46.5425% | 4,511 |
| Noncurrent assets plus other real estate owned to assets | 1.9372% | 605 |
| Noncurrent loans to loans | 2.2638% | 649 |
| Net loans and leases to total assets | 72.0431% | 2,161 |
| Net loans and leases to deposits | 86.0193% | 2,166 |
| Net loans and leases to core deposits | 99.0692% | 1,758 |
| Total domestic deposits to total assets | 83.7522% | 3,418 |
| Equity capital to assets | 14.8484% | 709 |
| Core capital (leverage) ratio | 15.1558% | 625 |
| Tier 1 risk-based capital ratio | 22.6773% | 970 |
| Total risk-based capital ratio | 23.8527% | 961 |
| Memoranda: | ||
| Average total assets | $211,153,500 | 2,832 |
| Average earning assets | $194,439,000 | 2,832 |
| Average equity | $31,756,000 | 2,257 |
| Average total loans | $156,870,000 | 2,605 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3687% | 322 |
| Cost of funding earning assets | 0.4507% | 2,768 |
| Net interest margin | 4.9180% | 275 |
| Noninterest income to average assets | 0.7129% | 1,907 |
| Noninterest expense to average assets | 3.4926% | 1,052 |
| Loan and lease loss provision to assets | 0.0229% | 3,842 |
| Net operating income to assets | 1.7054% | 520 |
| Return on assets (ROA) | 1.7054% | 537 |
| Pretax return on assets | 1.7054% | 992 |
| Return on Equity (ROE) | 11.5597% | 1,327 |
| Retained earnings to average equity (ytd only) | 3.6233% | 3,086 |
| Net charge-offs to loans | -0.0398% | 5,127 |
| Credit loss provision to net charge-offs | -80.3279% | 4,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8962% | 3,099 |
| Assets per employee ($millions) | 3.2399% | 4,996 |
| Cash dividends to net income (ytd only)* | 68.6559% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0418% | 3,675 |
| Loan loss allowance to noncurrent loans | 40.3051% | 4,682 |
| Noncurrent assets plus other real estate owned to assets | 2.2782% | 438 |
| Noncurrent loans to loans | 2.5847% | 507 |
| Net loans and leases to total assets | 75.0380% | 1,746 |
| Net loans and leases to deposits | 90.0632% | 1,767 |
| Net loans and leases to core deposits | 104.7658% | 1,357 |
| Total domestic deposits to total assets | 83.3170% | 3,458 |
| Equity capital to assets | 15.2372% | 637 |
| Core capital (leverage) ratio | 14.9004% | 639 |
| Tier 1 risk-based capital ratio | 22.2519% | 989 |
| Total risk-based capital ratio | 23.4192% | 973 |
| Memoranda: | ||
| Average total assets | $214,196,000 | 2,775 |
| Average earning assets | $196,341,000 | 2,805 |
| Average equity | $31,601,200 | 2,246 |
| Average total loans | $153,213,000 | 2,621 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2894% | 347 |
| Cost of funding earning assets | 0.4471% | 2,742 |
| Net interest margin | 4.8423% | 310 |
| Noninterest income to average assets | 0.7139% | 1,940 |
| Noninterest expense to average assets | 3.4878% | 1,011 |
| Loan and lease loss provision to assets | 0.0303% | 3,514 |
| Net operating income to assets | 1.6297% | 664 |
| Return on assets (ROA) | 1.6297% | 687 |
| Pretax return on assets | 1.6297% | 1,316 |
| Return on Equity (ROE) | 11.1338% | 1,638 |
| Retained earnings to average equity (ytd only) | 7.2692% | 1,555 |
| Net charge-offs to loans | 0.0981% | 1,800 |
| Credit loss provision to net charge-offs | 43.7500% | 2,977 |
| Earnings coverage of net charge-offs (x) | 23.9999% | 1,786 |
| Efficiency ratio | 67.7543% | 2,922 |
| Assets per employee ($millions) | 3.3315% | 4,942 |
| Cash dividends to net income (ytd only)* | 34.7100% | 2,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9494% | 4,326 |
| Loan loss allowance to noncurrent loans | 33.2049% | 4,888 |
| Noncurrent assets plus other real estate owned to assets | 2.1912% | 559 |
| Noncurrent loans to loans | 2.8591% | 466 |
| Net loans and leases to total assets | 71.6863% | 2,301 |
| Net loans and leases to deposits | 86.1917% | 2,273 |
| Net loans and leases to core deposits | 100.9824% | 1,623 |
| Total domestic deposits to total assets | 83.1707% | 3,401 |
| Equity capital to assets | 15.2028% | 690 |
| Core capital (leverage) ratio | 14.8451% | 693 |
| Tier 1 risk-based capital ratio | 22.4931% | 994 |
| Total risk-based capital ratio | 23.5292% | 994 |
| Memoranda: | ||
| Average total assets | $215,906,250 | 2,786 |
| Average earning assets | $197,698,750 | 2,817 |
| Average equity | $31,602,750 | 2,262 |
| Average total loans | $152,208,000 | 2,649 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2252% | 376 |
| Cost of funding earning assets | 0.4432% | 2,663 |
| Net interest margin | 4.7820% | 335 |
| Noninterest income to average assets | 0.7435% | 1,797 |
| Noninterest expense to average assets | 3.3717% | 1,224 |
| Loan and lease loss provision to assets | 0.0452% | 3,087 |
| Net operating income to assets | 1.7066% | 563 |
| Return on assets (ROA) | 1.7066% | 569 |
| Pretax return on assets | 1.7066% | 1,040 |
| Return on Equity (ROE) | 11.8090% | 1,357 |
| Retained earnings to average equity (ytd only) | 8.0493% | 1,143 |
| Net charge-offs to loans | 0.2257% | 902 |
| Credit loss provision to net charge-offs | 28.6550% | 2,734 |
| Earnings coverage of net charge-offs (x) | 11.1053% | 2,297 |
| Efficiency ratio | 65.8084% | 3,381 |
| Assets per employee ($millions) | 3.4274% | 4,825 |
| Cash dividends to net income (ytd only)* | 31.8378% | 2,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9167% | 4,572 |
| Loan loss allowance to noncurrent loans | 37.0097% | 4,839 |
| Noncurrent assets plus other real estate owned to assets | 1.8231% | 755 |
| Noncurrent loans to loans | 2.4769% | 611 |
| Net loans and leases to total assets | 69.2806% | 2,622 |
| Net loans and leases to deposits | 82.5766% | 2,645 |
| Net loans and leases to core deposits | 95.5491% | 2,019 |
| Total domestic deposits to total assets | 83.8986% | 3,240 |
| Equity capital to assets | 14.6225% | 792 |
| Core capital (leverage) ratio | 14.4445% | 757 |
| Tier 1 risk-based capital ratio | 22.4133% | 1,001 |
| Total risk-based capital ratio | 23.4188% | 1,013 |
| Memoranda: | ||
| Average total assets | $216,802,330 | 2,794 |
| Average earning assets | $198,577,670 | 2,818 |
| Average equity | $31,332,000 | 2,267 |
| Average total loans | $151,506,330 | 2,666 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2024% | 378 |
| Cost of funding earning assets | 0.4327% | 2,693 |
| Net interest margin | 4.7697% | 323 |
| Noninterest income to average assets | 0.8593% | 1,371 |
| Noninterest expense to average assets | 3.4427% | 1,120 |
| Loan and lease loss provision to assets | 0.0909% | 2,025 |
| Net operating income to assets | 1.7037% | 547 |
| Return on assets (ROA) | 1.7037% | 558 |
| Pretax return on assets | 1.7037% | 998 |
| Return on Equity (ROE) | 11.8603% | 1,283 |
| Retained earnings to average equity (ytd only) | 7.9198% | 1,494 |
| Net charge-offs to loans | 0.2258% | 795 |
| Credit loss provision to net charge-offs | 57.6471% | 1,929 |
| Earnings coverage of net charge-offs (x) | 11.3765% | 1,897 |
| Efficiency ratio | 65.7335% | 3,542 |
| Assets per employee ($millions) | 3.4413% | 4,864 |
| Cash dividends to net income (ytd only)* | 33.2244% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9841% | 4,374 |
| Loan loss allowance to noncurrent loans | 41.0793% | 4,835 |
| Noncurrent assets plus other real estate owned to assets | 1.7576% | 828 |
| Noncurrent loans to loans | 2.3955% | 678 |
| Net loans and leases to total assets | 68.1641% | 2,656 |
| Net loans and leases to deposits | 80.7672% | 2,643 |
| Net loans and leases to core deposits | 94.2452% | 1,963 |
| Total domestic deposits to total assets | 84.3958% | 3,333 |
| Equity capital to assets | 14.2103% | 845 |
| Core capital (leverage) ratio | 14.1715% | 796 |
| Tier 1 risk-based capital ratio | 22.2988% | 1,052 |
| Total risk-based capital ratio | 23.3828% | 1,054 |
| Memoranda: | ||
| Average total assets | $215,527,000 | 2,828 |
| Average earning assets | $197,833,000 | 2,853 |
| Average equity | $30,960,500 | 2,299 |
| Average total loans | $150,572,000 | 2,692 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4965% | 252 |
| Cost of funding earning assets | 0.4530% | 2,514 |
| Net interest margin | 5.0436% | 232 |
| Noninterest income to average assets | 0.6494% | 2,420 |
| Noninterest expense to average assets | 3.4775% | 1,209 |
| Loan and lease loss provision to assets | 0.0519% | 3,351 |
| Net operating income to assets | 1.7251% | 513 |
| Return on assets (ROA) | 1.7251% | 543 |
| Pretax return on assets | 1.7251% | 941 |
| Return on Equity (ROE) | 11.8082% | 1,305 |
| Retained earnings to average equity (ytd only) | 4.0480% | 3,038 |
| Net charge-offs to loans | 0.2716% | 1,018 |
| Credit loss provision to net charge-offs | 27.9898% | 3,611 |
| Earnings coverage of net charge-offs (x) | 9.5878% | 2,740 |
| Efficiency ratio | 66.1820% | 3,566 |
| Assets per employee ($millions) | 3.2433% | 5,105 |
| Cash dividends to net income (ytd only)* | 65.7190% | 1,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0219% | 4,181 |
| Loan loss allowance to noncurrent loans | 42.6696% | 4,830 |
| Noncurrent assets plus other real estate owned to assets | 1.8073% | 813 |
| Noncurrent loans to loans | 2.3949% | 668 |
| Net loans and leases to total assets | 70.2038% | 2,430 |
| Net loans and leases to deposits | 83.5769% | 2,468 |
| Net loans and leases to core deposits | 96.7522% | 1,859 |
| Total domestic deposits to total assets | 83.9990% | 3,418 |
| Equity capital to assets | 14.5267% | 725 |
| Core capital (leverage) ratio | 14.1379% | 784 |
| Tier 1 risk-based capital ratio | 22.1986% | 1,052 |
| Total risk-based capital ratio | 23.3262% | 1,043 |
| Memoranda: | ||
| Average total assets | $212,046,000 | 2,842 |
| Average earning assets | $193,613,000 | 2,864 |
| Average equity | $30,978,400 | 2,299 |
| Average total loans | $144,697,200 | 2,718 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5033% | 245 |
| Cost of funding earning assets | 0.4521% | 2,538 |
| Net interest margin | 5.0512% | 229 |
| Noninterest income to average assets | 0.6436% | 2,459 |
| Noninterest expense to average assets | 3.4884% | 1,172 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.7706% | 513 |
| Return on assets (ROA) | 1.7706% | 542 |
| Pretax return on assets | 1.7706% | 952 |
| Return on Equity (ROE) | 12.1026% | 1,290 |
| Retained earnings to average equity (ytd only) | 8.6306% | 931 |
| Net charge-offs to loans | 0.3141% | 735 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 8.3431% | 2,780 |
| Efficiency ratio | 66.3324% | 3,535 |
| Assets per employee ($millions) | 3.3109% | 5,033 |
| Cash dividends to net income (ytd only)* | 28.6879% | 2,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9981% | 4,425 |
| Loan loss allowance to noncurrent loans | 43.9177% | 4,881 |
| Noncurrent assets plus other real estate owned to assets | 1.6886% | 1,009 |
| Noncurrent loans to loans | 2.2726% | 812 |
| Net loans and leases to total assets | 67.8931% | 2,816 |
| Net loans and leases to deposits | 81.3836% | 2,810 |
| Net loans and leases to core deposits | 94.2445% | 2,173 |
| Total domestic deposits to total assets | 83.4236% | 3,440 |
| Equity capital to assets | 14.9129% | 756 |
| Core capital (leverage) ratio | 14.6310% | 695 |
| Tier 1 risk-based capital ratio | 22.6024% | 1,053 |
| Total risk-based capital ratio | 23.6820% | 1,052 |
| Memoranda: | ||
| Average total assets | $212,354,500 | 2,846 |
| Average earning assets | $194,035,500 | 2,867 |
| Average equity | $31,067,000 | 2,302 |
| Average total loans | $143,490,000 | 2,730 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4422% | 279 |
| Cost of funding earning assets | 0.4514% | 2,551 |
| Net interest margin | 4.9908% | 257 |
| Noninterest income to average assets | 0.6168% | 2,530 |
| Noninterest expense to average assets | 3.4947% | 1,169 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.6934% | 588 |
| Return on assets (ROA) | 1.6934% | 621 |
| Pretax return on assets | 1.6934% | 1,107 |
| Return on Equity (ROE) | 11.6519% | 1,427 |
| Retained earnings to average equity (ytd only) | 8.0196% | 1,163 |
| Net charge-offs to loans | 0.4475% | 508 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 5.6289% | 2,836 |
| Efficiency ratio | 67.3596% | 3,472 |
| Assets per employee ($millions) | 3.2444% | 5,144 |
| Cash dividends to net income (ytd only)* | 31.1732% | 2,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0348% | 4,320 |
| Loan loss allowance to noncurrent loans | 46.9940% | 4,883 |
| Noncurrent assets plus other real estate owned to assets | 1.6801% | 1,074 |
| Noncurrent loans to loans | 2.2020% | 856 |
| Net loans and leases to total assets | 67.7070% | 2,822 |
| Net loans and leases to deposits | 81.0840% | 2,806 |
| Net loans and leases to core deposits | 94.2817% | 2,138 |
| Total domestic deposits to total assets | 83.5024% | 3,464 |
| Equity capital to assets | 14.8906% | 757 |
| Core capital (leverage) ratio | 14.3193% | 743 |
| Tier 1 risk-based capital ratio | 22.5483% | 1,075 |
| Total risk-based capital ratio | 23.6683% | 1,072 |
| Memoranda: | ||
| Average total assets | $211,403,000 | 2,873 |
| Average earning assets | $193,635,000 | 2,886 |
| Average equity | $30,724,670 | 2,325 |
| Average total loans | $142,125,000 | 2,750 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3397% | 331 |
| Cost of funding earning assets | 0.4426% | 2,660 |
| Net interest margin | 4.8972% | 314 |
| Noninterest income to average assets | 0.6293% | 2,372 |
| Noninterest expense to average assets | 3.4924% | 1,196 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.6328% | 662 |
| Return on assets (ROA) | 1.6328% | 702 |
| Pretax return on assets | 1.6328% | 1,222 |
| Return on Equity (ROE) | 11.3737% | 1,484 |
| Retained earnings to average equity (ytd only) | 8.0432% | 1,441 |
| Net charge-offs to loans | 0.8508% | 241 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 2.8800% | 2,619 |
| Efficiency ratio | 68.1416% | 3,444 |
| Assets per employee ($millions) | 3.2765% | 5,164 |
| Cash dividends to net income (ytd only)* | 29.2824% | 2,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0692% | 4,231 |
| Loan loss allowance to noncurrent loans | 43.3946% | 4,986 |
| Noncurrent assets plus other real estate owned to assets | 1.7509% | 1,078 |
| Noncurrent loans to loans | 2.4638% | 773 |
| Net loans and leases to total assets | 65.6481% | 3,002 |
| Net loans and leases to deposits | 78.1066% | 3,000 |
| Net loans and leases to core deposits | 89.5532% | 2,413 |
| Total domestic deposits to total assets | 84.0493% | 3,500 |
| Equity capital to assets | 14.4486% | 842 |
| Core capital (leverage) ratio | 13.9691% | 820 |
| Tier 1 risk-based capital ratio | 22.3419% | 1,112 |
| Total risk-based capital ratio | 23.4887% | 1,112 |
| Memoranda: | ||
| Average total assets | $211,662,000 | 2,877 |
| Average earning assets | $194,316,500 | 2,882 |
| Average equity | $30,386,000 | 2,347 |
| Average total loans | $141,049,000 | 2,763 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4347% | 299 |
| Cost of funding earning assets | 0.4733% | 2,410 |
| Net interest margin | 4.9614% | 272 |
| Noninterest income to average assets | 0.5969% | 2,732 |
| Noninterest expense to average assets | 3.4814% | 1,325 |
| Loan and lease loss provision to assets | 0.0193% | 4,022 |
| Net operating income to assets | 1.6265% | 665 |
| Return on assets (ROA) | 1.6265% | 683 |
| Pretax return on assets | 1.6265% | 1,176 |
| Return on Equity (ROE) | 11.5915% | 1,413 |
| Retained earnings to average equity (ytd only) | 3.6771% | 3,436 |
| Net charge-offs to loans | -0.1249% | 5,838 |
| Credit loss provision to net charge-offs | -24.1176% | 4,997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9001% | 3,585 |
| Assets per employee ($millions) | 3.2361% | 5,251 |
| Cash dividends to net income (ytd only)* | 68.2779% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2865% | 2,985 |
| Loan loss allowance to noncurrent loans | 51.3613% | 4,849 |
| Noncurrent assets plus other real estate owned to assets | 1.8322% | 1,031 |
| Noncurrent loans to loans | 2.5047% | 730 |
| Net loans and leases to total assets | 66.0626% | 2,969 |
| Net loans and leases to deposits | 78.4436% | 3,001 |
| Net loans and leases to core deposits | 91.4813% | 2,273 |
| Total domestic deposits to total assets | 84.2167% | 3,395 |
| Equity capital to assets | 14.2620% | 848 |
| Core capital (leverage) ratio | 13.5578% | 946 |
| Tier 1 risk-based capital ratio | 21.7266% | 1,184 |
| Total risk-based capital ratio | 22.9778% | 1,162 |
| Memoranda: | ||
| Average total assets | $212,417,400 | 2,816 |
| Average earning assets | $193,957,200 | 2,847 |
| Average equity | $29,806,200 | 2,331 |
| Average total loans | $136,146,800 | 2,780 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3851% | 328 |
| Cost of funding earning assets | 0.4781% | 2,426 |
| Net interest margin | 4.9071% | 307 |
| Noninterest income to average assets | 0.5848% | 2,823 |
| Noninterest expense to average assets | 3.4338% | 1,406 |
| Loan and lease loss provision to assets | 0.0257% | 3,753 |
| Net operating income to assets | 1.5986% | 771 |
| Return on assets (ROA) | 1.5986% | 803 |
| Pretax return on assets | 1.5986% | 1,386 |
| Return on Equity (ROE) | 11.4387% | 1,556 |
| Retained earnings to average equity (ytd only) | 7.7020% | 1,372 |
| Net charge-offs to loans | -0.1995% | 5,992 |
| Credit loss provision to net charge-offs | -20.2970% | 4,888 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8881% | 3,568 |
| Assets per employee ($millions) | 3.2706% | 5,170 |
| Cash dividends to net income (ytd only)* | 32.6674% | 2,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2962% | 3,115 |
| Loan loss allowance to noncurrent loans | 46.5052% | 5,047 |
| Noncurrent assets plus other real estate owned to assets | 2.0062% | 1,022 |
| Noncurrent loans to loans | 2.7873% | 674 |
| Net loans and leases to total assets | 66.0131% | 3,012 |
| Net loans and leases to deposits | 78.6661% | 3,024 |
| Net loans and leases to core deposits | 91.2744% | 2,335 |
| Total domestic deposits to total assets | 83.9156% | 3,464 |
| Equity capital to assets | 14.4164% | 882 |
| Core capital (leverage) ratio | 13.9662% | 874 |
| Tier 1 risk-based capital ratio | 22.1135% | 1,180 |
| Total risk-based capital ratio | 23.3653% | 1,157 |
| Memoranda: | ||
| Average total assets | $212,934,500 | 2,832 |
| Average earning assets | $194,109,750 | 2,868 |
| Average equity | $29,757,750 | 2,346 |
| Average total loans | $134,990,250 | 2,819 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3451% | 336 |
| Cost of funding earning assets | 0.4864% | 2,379 |
| Net interest margin | 4.8588% | 322 |
| Noninterest income to average assets | 0.5811% | 2,847 |
| Noninterest expense to average assets | 3.4396% | 1,396 |
| Loan and lease loss provision to assets | 0.0385% | 3,349 |
| Net operating income to assets | 1.5198% | 868 |
| Return on assets (ROA) | 1.5198% | 911 |
| Pretax return on assets | 1.5198% | 1,592 |
| Return on Equity (ROE) | 10.9908% | 1,683 |
| Retained earnings to average equity (ytd only) | 7.5558% | 1,448 |
| Net charge-offs to loans | 0.1086% | 1,910 |
| Credit loss provision to net charge-offs | 56.9444% | 2,624 |
| Earnings coverage of net charge-offs (x) | 23.0556% | 1,618 |
| Efficiency ratio | 68.8204% | 3,527 |
| Assets per employee ($millions) | 3.3234% | 5,121 |
| Cash dividends to net income (ytd only)* | 31.2539% | 2,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1517% | 4,072 |
| Loan loss allowance to noncurrent loans | 32.4174% | 5,451 |
| Noncurrent assets plus other real estate owned to assets | 2.4396% | 786 |
| Noncurrent loans to loans | 3.5526% | 488 |
| Net loans and leases to total assets | 62.3420% | 3,506 |
| Net loans and leases to deposits | 73.6683% | 3,529 |
| Net loans and leases to core deposits | 85.3812% | 2,833 |
| Total domestic deposits to total assets | 84.6254% | 3,284 |
| Equity capital to assets | 13.7970% | 1,056 |
| Core capital (leverage) ratio | 13.4072% | 1,013 |
| Tier 1 risk-based capital ratio | 22.0659% | 1,200 |
| Total risk-based capital ratio | 23.2662% | 1,188 |
| Memoranda: | ||
| Average total assets | $213,049,000 | 2,854 |
| Average earning assets | $193,671,000 | 2,896 |
| Average equity | $29,461,000 | 2,379 |
| Average total loans | $132,593,330 | 2,863 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3414% | 328 |
| Cost of funding earning assets | 0.4882% | 2,396 |
| Net interest margin | 4.8532% | 318 |
| Noninterest income to average assets | 0.6485% | 2,408 |
| Noninterest expense to average assets | 3.3786% | 1,533 |
| Loan and lease loss provision to assets | 0.0775% | 2,404 |
| Net operating income to assets | 1.6279% | 683 |
| Return on assets (ROA) | 1.6279% | 712 |
| Pretax return on assets | 1.6279% | 1,195 |
| Return on Equity (ROE) | 11.7585% | 1,410 |
| Retained earnings to average equity (ytd only) | 8.1667% | 1,505 |
| Net charge-offs to loans | 0.1682% | 1,267 |
| Credit loss provision to net charge-offs | 74.5455% | 1,883 |
| Earnings coverage of net charge-offs (x) | 16.4000% | 1,571 |
| Efficiency ratio | 66.4559% | 4,071 |
| Assets per employee ($millions) | 3.3373% | 5,183 |
| Cash dividends to net income (ytd only)* | 30.5459% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2207% | 3,836 |
| Loan loss allowance to noncurrent loans | 40.1417% | 5,296 |
| Noncurrent assets plus other real estate owned to assets | 2.0934% | 1,110 |
| Noncurrent loans to loans | 3.0409% | 703 |
| Net loans and leases to total assets | 59.1660% | 3,775 |
| Net loans and leases to deposits | 69.7943% | 3,770 |
| Net loans and leases to core deposits | 80.9649% | 3,062 |
| Total domestic deposits to total assets | 84.7719% | 3,525 |
| Equity capital to assets | 13.7109% | 1,088 |
| Core capital (leverage) ratio | 13.4469% | 990 |
| Tier 1 risk-based capital ratio | 22.7397% | 1,142 |
| Total risk-based capital ratio | 23.9896% | 1,124 |
| Memoranda: | ||
| Average total assets | $211,564,500 | 2,891 |
| Average earning assets | $193,356,500 | 2,913 |
| Average equity | $29,289,500 | 2,412 |
| Average total loans | $130,770,500 | 2,903 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3184% | 437 |
| Cost of funding earning assets | 0.6069% | 1,710 |
| Net interest margin | 4.7115% | 511 |
| Noninterest income to average assets | 0.7000% | 2,302 |
| Noninterest expense to average assets | 3.4629% | 1,568 |
| Loan and lease loss provision to assets | 0.0715% | 3,052 |
| Net operating income to assets | 1.4628% | 949 |
| Return on assets (ROA) | 1.4801% | 954 |
| Pretax return on assets | 1.4801% | 1,621 |
| Return on Equity (ROE) | 10.9413% | 1,738 |
| Retained earnings to average equity (ytd only) | 5.1175% | 2,513 |
| Net charge-offs to loans | 0.2613% | 1,654 |
| Credit loss provision to net charge-offs | 44.7447% | 3,593 |
| Earnings coverage of net charge-offs (x) | 9.5976% | 2,726 |
| Efficiency ratio | 69.2958% | 3,658 |
| Assets per employee ($millions) | 3.3259% | 5,227 |
| Cash dividends to net income (ytd only)* | 53.2274% | 2,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2157% | 3,907 |
| Loan loss allowance to noncurrent loans | 35.7942% | 5,496 |
| Noncurrent assets plus other real estate owned to assets | 2.5392% | 898 |
| Noncurrent loans to loans | 3.3964% | 619 |
| Net loans and leases to total assets | 63.0488% | 3,351 |
| Net loans and leases to deposits | 74.6975% | 3,352 |
| Net loans and leases to core deposits | 87.5465% | 2,546 |
| Total domestic deposits to total assets | 84.4055% | 3,553 |
| Equity capital to assets | 13.9845% | 957 |
| Core capital (leverage) ratio | 13.2512% | 1,041 |
| Tier 1 risk-based capital ratio | 22.6663% | 1,125 |
| Total risk-based capital ratio | 23.9169% | 1,108 |
| Memoranda: | ||
| Average total assets | $208,294,000 | 2,894 |
| Average earning assets | $189,980,200 | 2,904 |
| Average equity | $28,177,600 | 2,395 |
| Average total loans | $127,455,400 | 2,910 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2862% | 448 |
| Cost of funding earning assets | 0.6285% | 1,611 |
| Net interest margin | 4.6577% | 550 |
| Noninterest income to average assets | 0.7713% | 2,011 |
| Noninterest expense to average assets | 3.2666% | 1,978 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.7495% | 559 |
| Return on assets (ROA) | 1.7725% | 548 |
| Pretax return on assets | 1.7725% | 935 |
| Return on Equity (ROE) | 13.2127% | 1,168 |
| Retained earnings to average equity (ytd only) | 9.1670% | 935 |
| Net charge-offs to loans | 0.1709% | 2,085 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 16.9139% | 1,936 |
| Efficiency ratio | 65.1222% | 4,348 |
| Assets per employee ($millions) | 3.3380% | 5,169 |
| Cash dividends to net income (ytd only)* | 30.6197% | 2,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2558% | 3,903 |
| Loan loss allowance to noncurrent loans | 32.3108% | 5,658 |
| Noncurrent assets plus other real estate owned to assets | 3.0311% | 772 |
| Noncurrent loans to loans | 3.8868% | 564 |
| Net loans and leases to total assets | 61.6240% | 3,545 |
| Net loans and leases to deposits | 73.1688% | 3,540 |
| Net loans and leases to core deposits | 86.0553% | 2,659 |
| Total domestic deposits to total assets | 84.2217% | 3,674 |
| Equity capital to assets | 14.1118% | 967 |
| Core capital (leverage) ratio | 13.5457% | 980 |
| Tier 1 risk-based capital ratio | 23.5542% | 1,042 |
| Total risk-based capital ratio | 24.8057% | 1,026 |
| Memoranda: | ||
| Average total assets | $208,815,750 | 2,913 |
| Average earning assets | $190,303,500 | 2,932 |
| Average equity | $28,012,750 | 2,417 |
| Average total loans | $126,416,500 | 2,947 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3272% | 417 |
| Cost of funding earning assets | 0.6506% | 1,513 |
| Net interest margin | 4.6766% | 513 |
| Noninterest income to average assets | 0.7191% | 2,189 |
| Noninterest expense to average assets | 3.1456% | 2,347 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.8364% | 457 |
| Return on assets (ROA) | 1.8364% | 471 |
| Pretax return on assets | 1.8364% | 786 |
| Return on Equity (ROE) | 13.9270% | 969 |
| Retained earnings to average equity (ytd only) | 10.2407% | 668 |
| Net charge-offs to loans | 0.1147% | 2,514 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 26.7083% | 1,359 |
| Efficiency ratio | 63.1397% | 4,833 |
| Assets per employee ($millions) | 3.4303% | 4,995 |
| Cash dividends to net income (ytd only)* | 26.4691% | 2,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3324% | 3,682 |
| Loan loss allowance to noncurrent loans | 37.0483% | 5,590 |
| Noncurrent assets plus other real estate owned to assets | 2.6961% | 988 |
| Noncurrent loans to loans | 3.5963% | 725 |
| Net loans and leases to total assets | 59.6107% | 3,780 |
| Net loans and leases to deposits | 70.2721% | 3,791 |
| Net loans and leases to core deposits | 82.6494% | 2,901 |
| Total domestic deposits to total assets | 84.8284% | 3,593 |
| Equity capital to assets | 13.4719% | 1,171 |
| Core capital (leverage) ratio | 13.1370% | 1,112 |
| Tier 1 risk-based capital ratio | 23.2663% | 1,073 |
| Total risk-based capital ratio | 24.5185% | 1,058 |
| Memoranda: | ||
| Average total assets | $209,436,000 | 2,922 |
| Average earning assets | $190,906,330 | 2,935 |
| Average equity | $27,615,330 | 2,435 |
| Average total loans | $125,503,330 | 2,955 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2642% | 437 |
| Cost of funding earning assets | 0.6657% | 1,472 |
| Net interest margin | 4.5985% | 552 |
| Noninterest income to average assets | 0.6602% | 2,402 |
| Noninterest expense to average assets | 3.1278% | 2,447 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.7073% | 568 |
| Return on assets (ROA) | 1.7073% | 584 |
| Pretax return on assets | 1.7073% | 964 |
| Return on Equity (ROE) | 13.0937% | 1,141 |
| Retained earnings to average equity (ytd only) | 9.4180% | 1,136 |
| Net charge-offs to loans | 0.0355% | 2,893 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 80.6364% | 536 |
| Efficiency ratio | 64.6895% | 4,748 |
| Assets per employee ($millions) | 3.4237% | 5,093 |
| Cash dividends to net income (ytd only)* | 28.0722% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4406% | 3,413 |
| Loan loss allowance to noncurrent loans | 33.3773% | 5,761 |
| Noncurrent assets plus other real estate owned to assets | 3.0093% | 951 |
| Noncurrent loans to loans | 4.3161% | 591 |
| Net loans and leases to total assets | 57.1446% | 3,975 |
| Net loans and leases to deposits | 66.9378% | 3,982 |
| Net loans and leases to core deposits | 79.0344% | 3,087 |
| Total domestic deposits to total assets | 85.3697% | 3,687 |
| Equity capital to assets | 12.9758% | 1,318 |
| Core capital (leverage) ratio | 13.0891% | 1,128 |
| Tier 1 risk-based capital ratio | 23.8158% | 1,031 |
| Total risk-based capital ratio | 25.0692% | 1,011 |
| Memoranda: | ||
| Average total assets | $207,814,000 | 2,959 |
| Average earning assets | $188,672,000 | 2,987 |
| Average equity | $27,097,000 | 2,461 |
| Average total loans | $124,009,000 | 2,990 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7678% | 239 |
| Cost of funding earning assets | 0.7658% | 1,404 |
| Net interest margin | 5.0020% | 311 |
| Noninterest income to average assets | 0.6597% | 2,757 |
| Noninterest expense to average assets | 3.5832% | 1,477 |
| Loan and lease loss provision to assets | 0.1176% | 2,850 |
| Net operating income to assets | 1.4475% | 921 |
| Return on assets (ROA) | 1.5521% | 777 |
| Pretax return on assets | 1.5521% | 1,292 |
| Return on Equity (ROE) | 11.4408% | 1,620 |
| Retained earnings to average equity (ytd only) | 4.9991% | 2,596 |
| Net charge-offs to loans | 0.3445% | 1,958 |
| Credit loss provision to net charge-offs | 53.6530% | 3,735 |
| Earnings coverage of net charge-offs (x) | 7.1393% | 2,908 |
| Efficiency ratio | 69.5995% | 3,904 |
| Assets per employee ($millions) | 3.2279% | 5,430 |
| Cash dividends to net income (ytd only)* | 56.3044% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4279% | 3,520 |
| Loan loss allowance to noncurrent loans | 34.5335% | 5,803 |
| Noncurrent assets plus other real estate owned to assets | 3.8111% | 719 |
| Noncurrent loans to loans | 4.1347% | 683 |
| Net loans and leases to total assets | 60.5632% | 3,618 |
| Net loans and leases to deposits | 71.2219% | 3,624 |
| Net loans and leases to core deposits | 83.2240% | 2,753 |
| Total domestic deposits to total assets | 85.0346% | 3,733 |
| Equity capital to assets | 13.1051% | 1,226 |
| Core capital (leverage) ratio | 12.6833% | 1,265 |
| Tier 1 risk-based capital ratio | 22.5908% | 1,163 |
| Total risk-based capital ratio | 23.8446% | 1,139 |
| Memoranda: | ||
| Average total assets | $199,792,200 | 3,033 |
| Average earning assets | $179,287,200 | 3,079 |
| Average equity | $27,104,800 | 2,449 |
| Average total loans | $127,159,000 | 2,901 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7579% | 253 |
| Cost of funding earning assets | 0.7746% | 1,458 |
| Net interest margin | 4.9833% | 326 |
| Noninterest income to average assets | 0.6677% | 2,790 |
| Noninterest expense to average assets | 3.3403% | 1,979 |
| Loan and lease loss provision to assets | 0.1240% | 2,740 |
| Net operating income to assets | 1.6752% | 647 |
| Return on assets (ROA) | 1.8173% | 523 |
| Pretax return on assets | 1.8173% | 864 |
| Return on Equity (ROE) | 13.2799% | 1,176 |
| Retained earnings to average equity (ytd only) | 8.5822% | 1,205 |
| Net charge-offs to loans | 0.4395% | 1,462 |
| Credit loss provision to net charge-offs | 43.9430% | 3,634 |
| Earnings coverage of net charge-offs (x) | 6.3753% | 2,987 |
| Efficiency ratio | 64.9928% | 4,650 |
| Assets per employee ($millions) | 3.2827% | 5,319 |
| Cash dividends to net income (ytd only)* | 35.3742% | 2,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3801% | 3,986 |
| Loan loss allowance to noncurrent loans | 32.2705% | 5,901 |
| Noncurrent assets plus other real estate owned to assets | 3.7948% | 859 |
| Noncurrent loans to loans | 4.2767% | 795 |
| Net loans and leases to total assets | 60.5018% | 3,622 |
| Net loans and leases to deposits | 71.1179% | 3,623 |
| Net loans and leases to core deposits | 82.7313% | 2,802 |
| Total domestic deposits to total assets | 85.0726% | 3,709 |
| Equity capital to assets | 13.1712% | 1,254 |
| Core capital (leverage) ratio | 13.4594% | 1,039 |
| Tier 1 risk-based capital ratio | 22.7077% | 1,199 |
| Total risk-based capital ratio | 23.9655% | 1,176 |
| Memoranda: | ||
| Average total assets | $198,901,250 | 3,071 |
| Average earning assets | $178,485,750 | 3,116 |
| Average equity | $27,218,500 | 2,462 |
| Average total loans | $127,713,000 | 2,916 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7918% | 245 |
| Cost of funding earning assets | 0.8036% | 1,393 |
| Net interest margin | 4.9882% | 314 |
| Noninterest income to average assets | 0.6868% | 2,707 |
| Noninterest expense to average assets | 3.4056% | 1,809 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.7405% | 586 |
| Return on assets (ROA) | 1.9565% | 410 |
| Pretax return on assets | 1.9565% | 652 |
| Return on Equity (ROE) | 14.1116% | 985 |
| Retained earnings to average equity (ytd only) | 9.2093% | 1,055 |
| Net charge-offs to loans | 0.4297% | 1,505 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 6.2109% | 2,756 |
| Efficiency ratio | 66.1782% | 4,520 |
| Assets per employee ($millions) | 3.1153% | 5,647 |
| Cash dividends to net income (ytd only)* | 34.7396% | 2,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3359% | 4,337 |
| Loan loss allowance to noncurrent loans | 32.0539% | 5,942 |
| Noncurrent assets plus other real estate owned to assets | 4.0201% | 858 |
| Noncurrent loans to loans | 4.1677% | 906 |
| Net loans and leases to total assets | 64.4228% | 2,849 |
| Net loans and leases to deposits | 76.3342% | 2,833 |
| Net loans and leases to core deposits | 88.6378% | 2,045 |
| Total domestic deposits to total assets | 84.3957% | 4,167 |
| Equity capital to assets | 13.8266% | 1,016 |
| Core capital (leverage) ratio | 13.2157% | 1,091 |
| Tier 1 risk-based capital ratio | 21.9879% | 1,281 |
| Total risk-based capital ratio | 23.2398% | 1,263 |
| Memoranda: | ||
| Average total assets | $196,266,000 | 3,112 |
| Average earning assets | $175,455,670 | 3,183 |
| Average equity | $27,211,670 | 2,469 |
| Average total loans | $127,993,000 | 2,916 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8333% | 223 |
| Cost of funding earning assets | 0.7828% | 1,629 |
| Net interest margin | 5.0505% | 269 |
| Noninterest income to average assets | 0.6440% | 2,911 |
| Noninterest expense to average assets | 3.1345% | 2,562 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.0462% | 318 |
| Return on assets (ROA) | 2.0462% | 347 |
| Pretax return on assets | 2.0462% | 549 |
| Return on Equity (ROE) | 14.7382% | 814 |
| Retained earnings to average equity (ytd only) | 10.0114% | 1,103 |
| Net charge-offs to loans | 0.0313% | 3,596 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 100.4000% | 379 |
| Efficiency ratio | 60.5035% | 5,518 |
| Assets per employee ($millions) | 3.0837% | 5,851 |
| Cash dividends to net income (ytd only)* | 32.0717% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5588% | 3,577 |
| Loan loss allowance to noncurrent loans | 38.7799% | 5,665 |
| Noncurrent assets plus other real estate owned to assets | 3.9655% | 1,014 |
| Noncurrent loans to loans | 4.0195% | 1,121 |
| Net loans and leases to total assets | 63.2640% | 2,837 |
| Net loans and leases to deposits | 75.0140% | 2,770 |
| Net loans and leases to core deposits | 86.4197% | 2,069 |
| Total domestic deposits to total assets | 84.3363% | 4,341 |
| Equity capital to assets | 13.9739% | 1,032 |
| Core capital (leverage) ratio | 13.0919% | 1,080 |
| Tier 1 risk-based capital ratio | 21.4271% | 1,442 |
| Total risk-based capital ratio | 22.6818% | 1,414 |
| Memoranda: | ||
| Average total assets | $196,266,000 | 3,136 |
| Average earning assets | $176,299,500 | 3,192 |
| Average equity | $27,249,000 | 2,506 |
| Average total loans | $127,913,500 | 2,932 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1997% | 195 |
| Cost of funding earning assets | 0.8413% | 2,353 |
| Net interest margin | 5.3584% | 212 |
| Noninterest income to average assets | 0.7547% | 2,472 |
| Noninterest expense to average assets | 3.6367% | 1,531 |
| Loan and lease loss provision to assets | 0.0591% | 5,036 |
| Net operating income to assets | 1.8394% | 482 |
| Return on assets (ROA) | 1.8394% | 537 |
| Pretax return on assets | 1.8394% | 855 |
| Return on Equity (ROE) | 13.6850% | 1,057 |
| Retained earnings to average equity (ytd only) | 6.2611% | 1,944 |
| Net charge-offs to loans | 0.2002% | 3,777 |
| Credit loss provision to net charge-offs | 44.9219% | 4,820 |
| Earnings coverage of net charge-offs (x) | 14.4258% | 1,736 |
| Efficiency ratio | 65.7008% | 4,562 |
| Assets per employee ($millions) | 3.0497% | 5,937 |
| Cash dividends to net income (ytd only)* | 54.2482% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5404% | 3,568 |
| Loan loss allowance to noncurrent loans | 44.0674% | 5,428 |
| Noncurrent assets plus other real estate owned to assets | 3.7684% | 1,175 |
| Noncurrent loans to loans | 3.4955% | 1,429 |
| Net loans and leases to total assets | 65.0734% | 2,706 |
| Net loans and leases to deposits | 77.1233% | 2,638 |
| Net loans and leases to core deposits | 87.8542% | 2,105 |
| Total domestic deposits to total assets | 84.3758% | 4,141 |
| Equity capital to assets | 13.7925% | 1,121 |
| Core capital (leverage) ratio | 12.7532% | 1,221 |
| Tier 1 risk-based capital ratio | 20.9266% | 1,481 |
| Total risk-based capital ratio | 22.1814% | 1,452 |
| Memoranda: | ||
| Average total assets | $194,519,000 | 3,119 |
| Average earning assets | $173,541,000 | 3,180 |
| Average equity | $26,145,400 | 2,552 |
| Average total loans | $127,871,200 | 2,918 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1871% | 217 |
| Cost of funding earning assets | 0.8497% | 2,540 |
| Net interest margin | 5.3374% | 225 |
| Noninterest income to average assets | 0.7169% | 2,630 |
| Noninterest expense to average assets | 3.3848% | 2,042 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.0896% | 339 |
| Return on assets (ROA) | 2.0896% | 378 |
| Pretax return on assets | 2.0896% | 586 |
| Return on Equity (ROE) | 15.6492% | 789 |
| Retained earnings to average equity (ytd only) | 10.5270% | 781 |
| Net charge-offs to loans | 0.1118% | 4,270 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 28.4679% | 1,145 |
| Efficiency ratio | 61.8296% | 5,181 |
| Assets per employee ($millions) | 3.0067% | 6,043 |
| Cash dividends to net income (ytd only)* | 32.7315% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5736% | 3,628 |
| Loan loss allowance to noncurrent loans | 37.6490% | 5,764 |
| Noncurrent assets plus other real estate owned to assets | 4.9551% | 908 |
| Noncurrent loans to loans | 4.1796% | 1,188 |
| Net loans and leases to total assets | 65.6940% | 2,711 |
| Net loans and leases to deposits | 78.2549% | 2,626 |
| Net loans and leases to core deposits | 89.6260% | 2,037 |
| Total domestic deposits to total assets | 83.9487% | 4,243 |
| Equity capital to assets | 14.2023% | 1,076 |
| Core capital (leverage) ratio | 13.4613% | 1,028 |
| Tier 1 risk-based capital ratio | 21.0011% | 1,526 |
| Total risk-based capital ratio | 22.2565% | 1,488 |
| Memoranda: | ||
| Average total assets | $194,354,250 | 3,154 |
| Average earning assets | $173,238,750 | 3,221 |
| Average equity | $25,951,750 | 2,593 |
| Average total loans | $127,590,000 | 2,964 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1302% | 246 |
| Cost of funding earning assets | 0.8496% | 2,798 |
| Net interest margin | 5.2806% | 251 |
| Noninterest income to average assets | 0.7467% | 2,432 |
| Noninterest expense to average assets | 3.4452% | 1,917 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.0318% | 375 |
| Return on assets (ROA) | 2.0318% | 421 |
| Pretax return on assets | 2.0318% | 654 |
| Return on Equity (ROE) | 15.5417% | 844 |
| Retained earnings to average equity (ytd only) | 10.1519% | 937 |
| Net charge-offs to loans | 0.0911% | 4,249 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 34.1552% | 985 |
| Efficiency ratio | 62.9026% | 5,098 |
| Assets per employee ($millions) | 3.1639% | 5,719 |
| Cash dividends to net income (ytd only)* | 34.6795% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6264% | 3,507 |
| Loan loss allowance to noncurrent loans | 44.2402% | 5,434 |
| Noncurrent assets plus other real estate owned to assets | 4.6207% | 1,052 |
| Noncurrent loans to loans | 3.6763% | 1,551 |
| Net loans and leases to total assets | 64.8724% | 2,860 |
| Net loans and leases to deposits | 76.6968% | 2,886 |
| Net loans and leases to core deposits | 89.1397% | 2,080 |
| Total domestic deposits to total assets | 84.5828% | 4,059 |
| Equity capital to assets | 13.6275% | 1,251 |
| Core capital (leverage) ratio | 12.6631% | 1,286 |
| Tier 1 risk-based capital ratio | 20.5719% | 1,556 |
| Total risk-based capital ratio | 21.8276% | 1,539 |
| Memoranda: | ||
| Average total assets | $194,996,670 | 3,155 |
| Average earning assets | $174,677,330 | 3,209 |
| Average equity | $25,492,670 | 2,618 |
| Average total loans | $127,308,670 | 2,975 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1165% | 258 |
| Cost of funding earning assets | 0.8211% | 3,298 |
| Net interest margin | 5.2954% | 250 |
| Noninterest income to average assets | 0.8102% | 2,118 |
| Noninterest expense to average assets | 3.4123% | 1,978 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.1756% | 306 |
| Return on assets (ROA) | 2.1756% | 360 |
| Pretax return on assets | 2.1756% | 562 |
| Return on Equity (ROE) | 16.9958% | 675 |
| Retained earnings to average equity (ytd only) | 11.0329% | 1,017 |
| Net charge-offs to loans | 0.1194% | 3,396 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 28.0526% | 976 |
| Efficiency ratio | 61.0665% | 5,445 |
| Assets per employee ($millions) | 3.2446% | 5,671 |
| Cash dividends to net income (ytd only)* | 35.0844% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6548% | 3,522 |
| Loan loss allowance to noncurrent loans | 37.1094% | 5,795 |
| Noncurrent assets plus other real estate owned to assets | 4.5088% | 1,186 |
| Noncurrent loans to loans | 4.4591% | 1,316 |
| Net loans and leases to total assets | 62.7582% | 3,109 |
| Net loans and leases to deposits | 73.4197% | 3,209 |
| Net loans and leases to core deposits | 84.6126% | 2,463 |
| Total domestic deposits to total assets | 85.4787% | 3,805 |
| Equity capital to assets | 12.8383% | 1,521 |
| Core capital (leverage) ratio | 12.1529% | 1,504 |
| Tier 1 risk-based capital ratio | 20.4418% | 1,607 |
| Total risk-based capital ratio | 21.6987% | 1,576 |
| Memoranda: | ||
| Average total assets | $195,995,500 | 3,155 |
| Average earning assets | $176,833,500 | 3,195 |
| Average equity | $25,088,500 | 2,654 |
| Average total loans | $127,326,500 | 2,992 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3275% | 244 |
| Cost of funding earning assets | 1.0254% | 3,195 |
| Net interest margin | 5.3021% | 241 |
| Noninterest income to average assets | 0.7534% | 2,320 |
| Noninterest expense to average assets | 3.6918% | 1,552 |
| Loan and lease loss provision to assets | 0.1515% | 4,726 |
| Net operating income to assets | 1.6910% | 561 |
| Return on assets (ROA) | 1.7180% | 573 |
| Pretax return on assets | 1.7180% | 955 |
| Return on Equity (ROE) | 13.7978% | 979 |
| Retained earnings to average equity (ytd only) | 5.5425% | 2,274 |
| Net charge-offs to loans | -0.0093% | 6,881 |
| Credit loss provision to net charge-offs | -2,433.3333% | 6,914 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7073% | 4,621 |
| Assets per employee ($millions) | 3.0804% | 5,934 |
| Cash dividends to net income (ytd only)* | 59.8309% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6580% | 3,342 |
| Loan loss allowance to noncurrent loans | 30.8853% | 6,139 |
| Noncurrent assets plus other real estate owned to assets | 4.4041% | 1,255 |
| Noncurrent loans to loans | 5.3681% | 1,006 |
| Net loans and leases to total assets | 65.0401% | 2,981 |
| Net loans and leases to deposits | 76.0708% | 3,170 |
| Net loans and leases to core deposits | 87.9909% | 2,377 |
| Total domestic deposits to total assets | 85.4994% | 3,593 |
| Equity capital to assets | 12.7620% | 1,619 |
| Core capital (leverage) ratio | 11.6308% | 1,801 |
| Tier 1 risk-based capital ratio | 19.5977% | 1,731 |
| Total risk-based capital ratio | 20.8545% | 1,695 |
| Memoranda: | ||
| Average total assets | $192,725,400 | 3,150 |
| Average earning assets | $173,780,800 | 3,175 |
| Average equity | $23,996,600 | 2,669 |
| Average total loans | $128,473,200 | 3,009 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3437% | 254 |
| Cost of funding earning assets | 1.0778% | 3,123 |
| Net interest margin | 5.2659% | 262 |
| Noninterest income to average assets | 0.7374% | 2,380 |
| Noninterest expense to average assets | 3.4727% | 2,008 |
| Loan and lease loss provision to assets | 0.2024% | 3,997 |
| Net operating income to assets | 1.8060% | 515 |
| Return on assets (ROA) | 1.8420% | 512 |
| Pretax return on assets | 1.8420% | 874 |
| Return on Equity (ROE) | 14.8879% | 854 |
| Retained earnings to average equity (ytd only) | 9.5276% | 976 |
| Net charge-offs to loans | -0.0436% | 7,029 |
| Credit loss provision to net charge-offs | -695.2381% | 6,710 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3582% | 5,169 |
| Assets per employee ($millions) | 3.1973% | 5,689 |
| Cash dividends to net income (ytd only)* | 36.0046% | 2,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6464% | 3,461 |
| Loan loss allowance to noncurrent loans | 35.2154% | 5,945 |
| Noncurrent assets plus other real estate owned to assets | 4.0257% | 1,526 |
| Noncurrent loans to loans | 4.6754% | 1,384 |
| Net loans and leases to total assets | 63.9987% | 3,305 |
| Net loans and leases to deposits | 74.5609% | 3,581 |
| Net loans and leases to core deposits | 85.1545% | 2,889 |
| Total domestic deposits to total assets | 85.8342% | 3,312 |
| Equity capital to assets | 12.4709% | 1,929 |
| Core capital (leverage) ratio | 11.6816% | 1,901 |
| Tier 1 risk-based capital ratio | 19.4037% | 1,842 |
| Total risk-based capital ratio | 20.6605% | 1,809 |
| Memoranda: | ||
| Average total assets | $192,389,750 | 3,171 |
| Average earning assets | $173,311,500 | 3,194 |
| Average equity | $23,804,000 | 2,694 |
| Average total loans | $128,504,000 | 3,039 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4631% | 215 |
| Cost of funding earning assets | 1.1381% | 2,977 |
| Net interest margin | 5.3250% | 232 |
| Noninterest income to average assets | 0.7445% | 2,285 |
| Noninterest expense to average assets | 3.4777% | 2,040 |
| Loan and lease loss provision to assets | 0.2609% | 3,313 |
| Net operating income to assets | 1.7943% | 511 |
| Return on assets (ROA) | 1.8439% | 482 |
| Pretax return on assets | 1.8439% | 805 |
| Return on Equity (ROE) | 14.9452% | 813 |
| Retained earnings to average equity (ytd only) | 9.3729% | 994 |
| Net charge-offs to loans | -0.0407% | 6,997 |
| Credit loss provision to net charge-offs | -950.0000% | 6,579 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8555% | 5,427 |
| Assets per employee ($millions) | 3.1504% | 5,753 |
| Cash dividends to net income (ytd only)* | 37.2852% | 2,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6267% | 3,596 |
| Loan loss allowance to noncurrent loans | 36.5905% | 5,850 |
| Noncurrent assets plus other real estate owned to assets | 3.8998% | 1,658 |
| Noncurrent loans to loans | 4.4456% | 1,499 |
| Net loans and leases to total assets | 63.8963% | 3,487 |
| Net loans and leases to deposits | 74.2180% | 3,770 |
| Net loans and leases to core deposits | 84.6231% | 3,121 |
| Total domestic deposits to total assets | 86.0928% | 3,272 |
| Equity capital to assets | 12.1951% | 1,967 |
| Core capital (leverage) ratio | 11.6583% | 1,803 |
| Tier 1 risk-based capital ratio | 18.7505% | 1,922 |
| Total risk-based capital ratio | 20.0140% | 1,881 |
| Memoranda: | ||
| Average total assets | $189,376,670 | 3,234 |
| Average earning assets | $170,289,670 | 3,271 |
| Average equity | $23,365,330 | 2,719 |
| Average total loans | $127,648,670 | 3,079 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5881% | 182 |
| Cost of funding earning assets | 1.1797% | 2,947 |
| Net interest margin | 5.4084% | 191 |
| Noninterest income to average assets | 0.6731% | 2,712 |
| Noninterest expense to average assets | 3.5687% | 1,829 |
| Loan and lease loss provision to assets | 0.1623% | 4,005 |
| Net operating income to assets | 1.8136% | 481 |
| Return on assets (ROA) | 1.9153% | 417 |
| Pretax return on assets | 1.9153% | 658 |
| Return on Equity (ROE) | 15.4275% | 753 |
| Retained earnings to average equity (ytd only) | 9.1345% | 1,342 |
| Net charge-offs to loans | 0.1921% | 3,352 |
| Credit loss provision to net charge-offs | 122.9508% | 2,231 |
| Earnings coverage of net charge-offs (x) | 14.9672% | 1,342 |
| Efficiency ratio | 64.3638% | 5,304 |
| Assets per employee ($millions) | 2.9387% | 6,260 |
| Cash dividends to net income (ytd only)* | 40.7910% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4454% | 4,459 |
| Loan loss allowance to noncurrent loans | 81.4355% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 2.4134% | 2,819 |
| Noncurrent loans to loans | 1.7748% | 3,858 |
| Net loans and leases to total assets | 66.6365% | 2,847 |
| Net loans and leases to deposits | 77.5722% | 3,142 |
| Net loans and leases to core deposits | 88.0879% | 2,588 |
| Total domestic deposits to total assets | 85.9026% | 3,579 |
| Equity capital to assets | 12.3407% | 1,719 |
| Core capital (leverage) ratio | 12.0273% | 1,551 |
| Tier 1 risk-based capital ratio | 18.6280% | 1,915 |
| Total risk-based capital ratio | 19.8812% | 1,868 |
| Memoranda: | ||
| Average total assets | $184,828,500 | 3,325 |
| Average earning assets | $166,482,500 | 3,352 |
| Average equity | $22,946,000 | 2,754 |
| Average total loans | $127,016,000 | 3,120 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9203% | 158 |
| Cost of funding earning assets | 1.3873% | 3,351 |
| Net interest margin | 5.5330% | 165 |
| Noninterest income to average assets | 0.6583% | 3,095 |
| Noninterest expense to average assets | 3.6858% | 1,736 |
| Loan and lease loss provision to assets | 0.2407% | 4,877 |
| Net operating income to assets | 1.6466% | 574 |
| Return on assets (ROA) | 1.6466% | 617 |
| Pretax return on assets | 1.6466% | 1,042 |
| Return on Equity (ROE) | 13.0240% | 1,082 |
| Retained earnings to average equity (ytd only) | 3.1716% | 3,645 |
| Net charge-offs to loans | 0.2689% | 4,680 |
| Credit loss provision to net charge-offs | 129.5522% | 3,080 |
| Earnings coverage of net charge-offs (x) | 10.1582% | 1,747 |
| Efficiency ratio | 66.1359% | 4,941 |
| Assets per employee ($millions) | 2.8372% | 6,462 |
| Cash dividends to net income (ytd only)* | 75.6484% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4377% | 4,336 |
| Loan loss allowance to noncurrent loans | 69.4857% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 2.9161% | 2,402 |
| Noncurrent loans to loans | 2.0691% | 3,463 |
| Net loans and leases to total assets | 68.8633% | 2,779 |
| Net loans and leases to deposits | 80.3607% | 3,103 |
| Net loans and leases to core deposits | 90.3196% | 2,724 |
| Total domestic deposits to total assets | 85.6928% | 3,499 |
| Equity capital to assets | 12.4915% | 1,638 |
| Core capital (leverage) ratio | 11.9608% | 1,578 |
| Tier 1 risk-based capital ratio | 18.1870% | 1,942 |
| Total risk-based capital ratio | 19.4405% | 1,906 |
| Memoranda: | ||
| Average total assets | $180,313,400 | 3,370 |
| Average earning assets | $160,165,400 | 3,446 |
| Average equity | $22,796,400 | 2,792 |
| Average total loans | $124,576,600 | 3,223 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9527% | 157 |
| Cost of funding earning assets | 1.4064% | 3,546 |
| Net interest margin | 5.5463% | 159 |
| Noninterest income to average assets | 0.7400% | 2,579 |
| Noninterest expense to average assets | 3.5170% | 2,002 |
| Loan and lease loss provision to assets | 0.2348% | 4,725 |
| Net operating income to assets | 1.8985% | 404 |
| Return on assets (ROA) | 1.8985% | 452 |
| Pretax return on assets | 1.8985% | 773 |
| Return on Equity (ROE) | 14.9715% | 862 |
| Retained earnings to average equity (ytd only) | 9.7960% | 845 |
| Net charge-offs to loans | 0.2484% | 4,449 |
| Credit loss provision to net charge-offs | 137.2294% | 2,910 |
| Earnings coverage of net charge-offs (x) | 12.4676% | 1,681 |
| Efficiency ratio | 62.2444% | 5,578 |
| Assets per employee ($millions) | 2.8652% | 6,455 |
| Cash dividends to net income (ytd only)* | 34.5687% | 2,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4275% | 4,319 |
| Loan loss allowance to noncurrent loans | 78.5683% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 2.7622% | 2,620 |
| Noncurrent loans to loans | 1.8169% | 3,924 |
| Net loans and leases to total assets | 68.1978% | 3,166 |
| Net loans and leases to deposits | 80.1516% | 3,422 |
| Net loans and leases to core deposits | 89.8145% | 3,125 |
| Total domestic deposits to total assets | 85.0860% | 3,579 |
| Equity capital to assets | 13.0751% | 1,533 |
| Core capital (leverage) ratio | 12.8715% | 1,278 |
| Tier 1 risk-based capital ratio | 18.9668% | 1,759 |
| Total risk-based capital ratio | 20.2196% | 1,720 |
| Memoranda: | ||
| Average total assets | $179,996,750 | 3,420 |
| Average earning assets | $159,358,500 | 3,509 |
| Average equity | $22,825,000 | 2,827 |
| Average total loans | $124,004,250 | 3,283 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7929% | 204 |
| Cost of funding earning assets | 1.4287% | 3,678 |
| Net interest margin | 5.3642% | 218 |
| Noninterest income to average assets | 0.7178% | 2,589 |
| Noninterest expense to average assets | 3.5444% | 1,920 |
| Loan and lease loss provision to assets | 0.2728% | 4,208 |
| Net operating income to assets | 1.6403% | 665 |
| Return on assets (ROA) | 1.6403% | 709 |
| Pretax return on assets | 1.6403% | 1,186 |
| Return on Equity (ROE) | 13.0741% | 1,222 |
| Retained earnings to average equity (ytd only) | 7.8070% | 1,507 |
| Net charge-offs to loans | 0.2454% | 4,125 |
| Credit loss provision to net charge-offs | 161.5894% | 2,439 |
| Earnings coverage of net charge-offs (x) | 11.3311% | 1,778 |
| Efficiency ratio | 64.9457% | 5,157 |
| Assets per employee ($millions) | 2.8121% | 6,550 |
| Cash dividends to net income (ytd only)* | 40.2863% | 2,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4655% | 4,090 |
| Loan loss allowance to noncurrent loans | 83.1656% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 3.3100% | 2,132 |
| Noncurrent loans to loans | 1.7621% | 4,044 |
| Net loans and leases to total assets | 67.9200% | 3,381 |
| Net loans and leases to deposits | 79.5208% | 3,685 |
| Net loans and leases to core deposits | 88.8041% | 3,437 |
| Total domestic deposits to total assets | 85.4116% | 3,414 |
| Equity capital to assets | 12.7620% | 1,666 |
| Core capital (leverage) ratio | 12.3460% | 1,475 |
| Tier 1 risk-based capital ratio | 18.4958% | 1,835 |
| Total risk-based capital ratio | 19.7492% | 1,801 |
| Memoranda: | ||
| Average total assets | $178,872,000 | 3,456 |
| Average earning assets | $158,046,330 | 3,554 |
| Average equity | $22,441,330 | 2,869 |
| Average total loans | $123,050,330 | 3,345 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9441% | 186 |
| Cost of funding earning assets | 1.4898% | 3,622 |
| Net interest margin | 5.4543% | 194 |
| Noninterest income to average assets | 0.6842% | 2,709 |
| Noninterest expense to average assets | 3.4544% | 2,094 |
| Loan and lease loss provision to assets | 0.2759% | 3,814 |
| Net operating income to assets | 1.7496% | 553 |
| Return on assets (ROA) | 1.7496% | 604 |
| Pretax return on assets | 1.7496% | 970 |
| Return on Equity (ROE) | 14.0680% | 1,043 |
| Retained earnings to average equity (ytd only) | 8.3506% | 1,573 |
| Net charge-offs to loans | 0.0588% | 4,824 |
| Credit loss provision to net charge-offs | 683.3333% | 649 |
| Earnings coverage of net charge-offs (x) | 50.1667% | 577 |
| Efficiency ratio | 63.0372% | 5,655 |
| Assets per employee ($millions) | 2.7613% | 6,730 |
| Cash dividends to net income (ytd only)* | 40.6410% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4919% | 3,946 |
| Loan loss allowance to noncurrent loans | 62.2026% | 4,259 |
| Noncurrent assets plus other real estate owned to assets | 3.3685% | 2,106 |
| Noncurrent loans to loans | 2.3984% | 3,270 |
| Net loans and leases to total assets | 67.3221% | 3,546 |
| Net loans and leases to deposits | 78.5497% | 3,933 |
| Net loans and leases to core deposits | 87.0128% | 3,749 |
| Total domestic deposits to total assets | 85.7063% | 3,311 |
| Equity capital to assets | 12.5080% | 1,758 |
| Core capital (leverage) ratio | 12.2179% | 1,538 |
| Tier 1 risk-based capital ratio | 18.2851% | 1,880 |
| Total risk-based capital ratio | 19.5386% | 1,844 |
| Memoranda: | ||
| Average total assets | $178,322,000 | 3,516 |
| Average earning assets | $156,795,000 | 3,633 |
| Average equity | $22,178,000 | 2,920 |
| Average total loans | $122,548,000 | 3,418 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1989% | 209 |
| Cost of funding earning assets | 2.0270% | 2,833 |
| Net interest margin | 5.1719% | 311 |
| Noninterest income to average assets | 0.7191% | 2,852 |
| Noninterest expense to average assets | 3.7891% | 1,720 |
| Loan and lease loss provision to assets | 0.2771% | 5,201 |
| Net operating income to assets | 1.2772% | 1,082 |
| Return on assets (ROA) | 1.2772% | 1,136 |
| Pretax return on assets | 1.2772% | 1,760 |
| Return on Equity (ROE) | 10.3699% | 1,588 |
| Retained earnings to average equity (ytd only) | 4.4849% | 2,110 |
| Net charge-offs to loans | 0.4192% | 4,126 |
| Credit loss provision to net charge-offs | 93.7743% | 5,863 |
| Earnings coverage of net charge-offs (x) | 5.2607% | 2,645 |
| Efficiency ratio | 70.9122% | 4,453 |
| Assets per employee ($millions) | 2.7255% | 6,805 |
| Cash dividends to net income (ytd only)* | 56.7507% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4089% | 4,188 |
| Loan loss allowance to noncurrent loans | 64.9962% | 4,141 |
| Noncurrent assets plus other real estate owned to assets | 2.8466% | 2,464 |
| Noncurrent loans to loans | 2.1677% | 3,432 |
| Net loans and leases to total assets | 68.1354% | 3,677 |
| Net loans and leases to deposits | 79.4111% | 4,101 |
| Net loans and leases to core deposits | 112.2625% | 2,671 |
| Total domestic deposits to total assets | 85.8009% | 3,111 |
| Equity capital to assets | 12.3652% | 1,814 |
| Core capital (leverage) ratio | 12.2865% | 1,536 |
| Tier 1 risk-based capital ratio | 18.0089% | 1,894 |
| Total risk-based capital ratio | 19.2618% | 1,855 |
| Memoranda: | ||
| Average total assets | $173,974,600 | 3,533 |
| Average earning assets | $155,551,200 | 3,605 |
| Average equity | $21,427,400 | 3,020 |
| Average total loans | $122,601,400 | 3,426 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2267% | 222 |
| Cost of funding earning assets | 2.0978% | 2,901 |
| Net interest margin | 5.1290% | 341 |
| Noninterest income to average assets | 0.6375% | 3,443 |
| Noninterest expense to average assets | 3.6940% | 1,834 |
| Loan and lease loss provision to assets | 0.3711% | 4,102 |
| Net operating income to assets | 1.1749% | 1,530 |
| Return on assets (ROA) | 1.1749% | 1,584 |
| Pretax return on assets | 1.1749% | 2,341 |
| Return on Equity (ROE) | 9.5487% | 2,083 |
| Retained earnings to average equity (ytd only) | 5.6504% | 2,127 |
| Net charge-offs to loans | 0.4696% | 3,346 |
| Credit loss provision to net charge-offs | 111.5741% | 4,556 |
| Earnings coverage of net charge-offs (x) | 4.6481% | 3,058 |
| Efficiency ratio | 70.4966% | 4,493 |
| Assets per employee ($millions) | 2.7629% | 6,713 |
| Cash dividends to net income (ytd only)* | 40.8258% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4625% | 3,633 |
| Loan loss allowance to noncurrent loans | 81.4331% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 2.1858% | 3,114 |
| Noncurrent loans to loans | 1.7959% | 3,921 |
| Net loans and leases to total assets | 68.8553% | 3,755 |
| Net loans and leases to deposits | 80.3585% | 4,328 |
| Net loans and leases to core deposits | 115.9168% | 2,633 |
| Total domestic deposits to total assets | 85.6851% | 2,870 |
| Equity capital to assets | 12.4158% | 1,997 |
| Core capital (leverage) ratio | 12.0973% | 1,757 |
| Tier 1 risk-based capital ratio | 18.2438% | 1,923 |
| Total risk-based capital ratio | 19.4976% | 1,867 |
| Memoranda: | ||
| Average total assets | $173,178,500 | 3,571 |
| Average earning assets | $155,400,750 | 3,629 |
| Average equity | $21,307,750 | 3,058 |
| Average total loans | $122,643,500 | 3,456 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1626% | 249 |
| Cost of funding earning assets | 2.1920% | 2,829 |
| Net interest margin | 4.9707% | 465 |
| Noninterest income to average assets | 0.8444% | 2,194 |
| Noninterest expense to average assets | 3.6554% | 1,934 |
| Loan and lease loss provision to assets | 0.3617% | 3,756 |
| Net operating income to assets | 1.3003% | 1,229 |
| Return on assets (ROA) | 1.3003% | 1,309 |
| Pretax return on assets | 1.3003% | 2,028 |
| Return on Equity (ROE) | 10.6010% | 1,821 |
| Retained earnings to average equity (ytd only) | 5.3195% | 2,338 |
| Net charge-offs to loans | 0.6588% | 2,389 |
| Credit loss provision to net charge-offs | 77.1712% | 5,274 |
| Earnings coverage of net charge-offs (x) | 3.5459% | 3,397 |
| Efficiency ratio | 68.7445% | 5,021 |
| Assets per employee ($millions) | 2.7018% | 6,829 |
| Cash dividends to net income (ytd only)* | 49.8211% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3562% | 3,948 |
| Loan loss allowance to noncurrent loans | 57.2953% | 4,597 |
| Noncurrent assets plus other real estate owned to assets | 2.5111% | 2,564 |
| Noncurrent loans to loans | 2.3670% | 3,059 |
| Net loans and leases to total assets | 68.9608% | 3,953 |
| Net loans and leases to deposits | 80.4123% | 4,480 |
| Net loans and leases to core deposits | 116.4689% | 2,673 |
| Total domestic deposits to total assets | 85.7590% | 2,900 |
| Equity capital to assets | 12.1837% | 2,105 |
| Core capital (leverage) ratio | 12.0057% | 1,829 |
| Tier 1 risk-based capital ratio | 17.8618% | 2,056 |
| Total risk-based capital ratio | 19.1138% | 1,993 |
| Memoranda: | ||
| Average total assets | $171,963,670 | 3,604 |
| Average earning assets | $154,748,000 | 3,652 |
| Average equity | $21,092,330 | 3,087 |
| Average total loans | $122,338,330 | 3,483 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3042% | 219 |
| Cost of funding earning assets | 2.2665% | 2,855 |
| Net interest margin | 5.0377% | 371 |
| Noninterest income to average assets | 0.8440% | 2,105 |
| Noninterest expense to average assets | 3.5195% | 2,049 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.8762% | 456 |
| Return on assets (ROA) | 1.8762% | 508 |
| Pretax return on assets | 1.8762% | 844 |
| Return on Equity (ROE) | 15.2436% | 933 |
| Retained earnings to average equity (ytd only) | 10.0287% | 1,187 |
| Net charge-offs to loans | 0.0852% | 4,313 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 30.6923% | 1,034 |
| Efficiency ratio | 65.2288% | 5,466 |
| Assets per employee ($millions) | 2.6795% | 6,932 |
| Cash dividends to net income (ytd only)* | 34.2105% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4215% | 3,379 |
| Loan loss allowance to noncurrent loans | 36.2437% | 6,144 |
| Noncurrent assets plus other real estate owned to assets | 3.0069% | 1,876 |
| Noncurrent loans to loans | 3.9221% | 1,552 |
| Net loans and leases to total assets | 68.9237% | 3,933 |
| Net loans and leases to deposits | 80.3875% | 4,550 |
| Net loans and leases to core deposits | 116.6659% | 2,723 |
| Total domestic deposits to total assets | 85.7394% | 2,857 |
| Equity capital to assets | 12.2740% | 2,093 |
| Core capital (leverage) ratio | 12.3072% | 1,754 |
| Tier 1 risk-based capital ratio | 18.0242% | 2,047 |
| Total risk-based capital ratio | 19.2776% | 1,995 |
| Memoranda: | ||
| Average total assets | $170,135,500 | 3,647 |
| Average earning assets | $153,720,000 | 3,685 |
| Average equity | $20,940,000 | 3,127 |
| Average total loans | $122,120,500 | 3,512 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2121% | 146 |
| Cost of funding earning assets | 2.8722% | 2,383 |
| Net interest margin | 5.3399% | 267 |
| Noninterest income to average assets | 1.0064% | 1,557 |
| Noninterest expense to average assets | 3.6623% | 2,024 |
| Loan and lease loss provision to assets | 0.2689% | 4,249 |
| Net operating income to assets | 1.8718% | 464 |
| Return on assets (ROA) | 1.9859% | 346 |
| Pretax return on assets | 1.9859% | 626 |
| Return on Equity (ROE) | 16.5919% | 688 |
| Retained earnings to average equity (ytd only) | 6.0815% | 1,496 |
| Net charge-offs to loans | 0.3156% | 3,280 |
| Credit loss provision to net charge-offs | 118.1102% | 4,554 |
| Earnings coverage of net charge-offs (x) | 9.4016% | 2,692 |
| Efficiency ratio | 63.1102% | 5,760 |
| Assets per employee ($millions) | 2.5555% | 7,097 |
| Cash dividends to net income (ytd only)* | 63.3464% | 2,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4346% | 3,005 |
| Loan loss allowance to noncurrent loans | 42.3986% | 5,898 |
| Noncurrent assets plus other real estate owned to assets | 2.7898% | 1,682 |
| Noncurrent loans to loans | 3.3837% | 1,520 |
| Net loans and leases to total assets | 72.6717% | 3,443 |
| Net loans and leases to deposits | 84.9438% | 4,263 |
| Net loans and leases to core deposits | 127.4247% | 2,045 |
| Total domestic deposits to total assets | 85.5526% | 2,605 |
| Equity capital to assets | 12.3433% | 2,088 |
| Core capital (leverage) ratio | 12.1596% | 1,897 |
| Tier 1 risk-based capital ratio | 17.5266% | 2,174 |
| Total risk-based capital ratio | 18.7795% | 2,107 |
| Memoranda: | ||
| Average total assets | $167,327,400 | 3,590 |
| Average earning assets | $150,302,400 | 3,651 |
| Average equity | $20,027,800 | 3,224 |
| Average total loans | $120,738,600 | 3,447 |