Home > Bank of Madison > Performance and Condition Ratios
Bank of Madison, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9711% | 1,216 |
| Cost of funding earning assets | 1.9463% | 2,076 |
| Net interest margin | 4.0248% | 1,234 |
| Noninterest income to average assets | 0.2500% | 3,214 |
| Noninterest expense to average assets | 2.2475% | 2,990 |
| Loan and lease loss provision to assets | 0.0100% | 2,596 |
| Net operating income to assets | 1.4887% | 1,120 |
| Return on assets (ROA) | 1.4765% | 1,131 |
| Pretax return on assets | 1.8663% | 855 |
| Return on Equity (ROE) | 16.3700% | 843 |
| Retained earnings to average equity (ytd only) | 14.9544% | 431 |
| Net charge-offs to loans | 0.0013% | 2,284 |
| Credit loss provision to net charge-offs | 1,500.0000% | 245 |
| Earnings coverage of net charge-offs (x) | 1,970.0000% | 31 |
| Efficiency ratio | 54.2393% | 3,581 |
| Assets per employee ($millions) | 6.9682% | 2,228 |
| Cash dividends to net income (ytd only)* | 8.6701% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4878% | 1,046 |
| Loan loss allowance to noncurrent loans | 3,696.6667% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.1720% | 2,643 |
| Noncurrent loans to loans | 0.0402% | 3,484 |
| Net loans and leases to total assets | 67.9900% | 2,084 |
| Net loans and leases to deposits | 75.4913% | 2,444 |
| Net loans and leases to core deposits | 87.0340% | 2,245 |
| Total domestic deposits to total assets | 90.0600% | 799 |
| Equity capital to assets | 8.9416% | 2,979 |
| Core capital (leverage) ratio | 10.9405% | 2,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7709% | 1,601 |
| Memoranda: | ||
| Average total assets | $415,579,500 | 2,031 |
| Average earning assets | $402,406,000 | 1,966 |
| Average equity | $37,474,000 | 2,130 |
| Average total loans | $296,732,500 | 1,894 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0631% | 1,204 |
| Cost of funding earning assets | 2.0467% | 2,112 |
| Net interest margin | 4.0164% | 1,152 |
| Noninterest income to average assets | 0.3300% | 2,878 |
| Noninterest expense to average assets | 2.3894% | 2,613 |
| Loan and lease loss provision to assets | 0.0900% | 1,528 |
| Net operating income to assets | 1.3237% | 1,231 |
| Return on assets (ROA) | 1.3241% | 1,227 |
| Pretax return on assets | 1.7062% | 958 |
| Return on Equity (ROE) | 15.2600% | 893 |
| Retained earnings to average equity (ytd only) | 9.0250% | 790 |
| Net charge-offs to loans | -0.0301% | 4,251 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 57.0427% | 3,454 |
| Assets per employee ($millions) | 6.0474% | 2,849 |
| Cash dividends to net income (ytd only)* | 40.8646% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4974% | 1,023 |
| Loan loss allowance to noncurrent loans | 3,401.5385% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.1887% | 2,496 |
| Noncurrent loans to loans | 0.0440% | 3,433 |
| Net loans and leases to total assets | 72.8800% | 1,562 |
| Net loans and leases to deposits | 81.0381% | 2,042 |
| Net loans and leases to core deposits | 93.4384% | 1,880 |
| Total domestic deposits to total assets | 89.9300% | 840 |
| Equity capital to assets | 9.0993% | 2,751 |
| Core capital (leverage) ratio | 10.4546% | 2,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7888% | 1,582 |
| Memoranda: | ||
| Average total assets | $408,798,000 | 2,017 |
| Average earning assets | $393,265,400 | 1,967 |
| Average equity | $35,468,000 | 2,150 |
| Average total loans | $292,064,800 | 1,880 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9638% | 1,300 |
| Cost of funding earning assets | 2.0367% | 2,118 |
| Net interest margin | 3.9271% | 1,260 |
| Noninterest income to average assets | 0.3100% | 2,981 |
| Noninterest expense to average assets | 2.3082% | 2,773 |
| Loan and lease loss provision to assets | 0.0600% | 1,841 |
| Net operating income to assets | 1.2971% | 1,311 |
| Return on assets (ROA) | 1.2976% | 1,309 |
| Pretax return on assets | 1.7249% | 978 |
| Return on Equity (ROE) | 15.1300% | 933 |
| Retained earnings to average equity (ytd only) | 13.6297% | 332 |
| Net charge-offs to loans | -0.0412% | 4,300 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 56.4462% | 3,512 |
| Assets per employee ($millions) | 6.3930% | 2,589 |
| Cash dividends to net income (ytd only)* | 9.9450% | 2,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4224% | 1,268 |
| Loan loss allowance to noncurrent loans | 3,146.2687% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.2666% | 2,167 |
| Noncurrent loans to loans | 0.0452% | 3,480 |
| Net loans and leases to total assets | 70.3100% | 1,803 |
| Net loans and leases to deposits | 78.5504% | 2,306 |
| Net loans and leases to core deposits | 91.5327% | 2,039 |
| Total domestic deposits to total assets | 89.5100% | 740 |
| Equity capital to assets | 9.3145% | 2,805 |
| Core capital (leverage) ratio | 10.7282% | 2,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1780% | 1,490 |
| Memoranda: | ||
| Average total assets | $411,214,750 | 2,003 |
| Average earning assets | $395,264,250 | 1,963 |
| Average equity | $35,255,500 | 2,157 |
| Average total loans | $291,254,750 | 1,881 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9144% | 1,284 |
| Cost of funding earning assets | 2.0278% | 2,055 |
| Net interest margin | 3.8866% | 1,287 |
| Noninterest income to average assets | 0.3300% | 2,813 |
| Noninterest expense to average assets | 2.2554% | 2,930 |
| Loan and lease loss provision to assets | 0.0500% | 1,906 |
| Net operating income to assets | 1.3266% | 1,215 |
| Return on assets (ROA) | 1.3266% | 1,227 |
| Pretax return on assets | 1.7542% | 914 |
| Return on Equity (ROE) | 15.9400% | 845 |
| Retained earnings to average equity (ytd only) | 14.3790% | 332 |
| Net charge-offs to loans | -0.0615% | 4,362 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 55.5743% | 3,615 |
| Assets per employee ($millions) | 6.5344% | 2,382 |
| Cash dividends to net income (ytd only)* | 9.7866% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3987% | 1,384 |
| Loan loss allowance to noncurrent loans | 2,936.1702% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.2708% | 2,078 |
| Noncurrent loans to loans | 0.0476% | 3,429 |
| Net loans and leases to total assets | 70.8900% | 1,795 |
| Net loans and leases to deposits | 78.5316% | 2,330 |
| Net loans and leases to core deposits | 91.3254% | 2,059 |
| Total domestic deposits to total assets | 90.2700% | 638 |
| Equity capital to assets | 8.6030% | 3,026 |
| Core capital (leverage) ratio | 10.4067% | 2,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7107% | 1,616 |
| Memoranda: | ||
| Average total assets | $409,771,000 | 2,008 |
| Average earning assets | $393,141,667 | 1,965 |
| Average equity | $34,105,333 | 2,175 |
| Average total loans | $289,538,667 | 1,883 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8308% | 1,278 |
| Cost of funding earning assets | 2.0091% | 1,964 |
| Net interest margin | 3.8217% | 1,337 |
| Noninterest income to average assets | 0.2300% | 3,433 |
| Noninterest expense to average assets | 2.3639% | 2,620 |
| Loan and lease loss provision to assets | 0.0400% | 1,880 |
| Net operating income to assets | 1.1565% | 1,532 |
| Return on assets (ROA) | 1.1565% | 1,544 |
| Pretax return on assets | 1.4774% | 1,290 |
| Return on Equity (ROE) | 14.1300% | 1,121 |
| Retained earnings to average equity (ytd only) | 12.5441% | 662 |
| Net charge-offs to loans | 0.0028% | 2,065 |
| Credit loss provision to net charge-offs | 2,250.0000% | 192 |
| Earnings coverage of net charge-offs (x) | 777.5000% | 131 |
| Efficiency ratio | 60.8411% | 3,167 |
| Assets per employee ($millions) | 6.6281% | 2,357 |
| Cash dividends to net income (ytd only)* | 11.2521% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3798% | 1,452 |
| Loan loss allowance to noncurrent loans | 1,892.8910% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.2884% | 1,956 |
| Noncurrent loans to loans | 0.0729% | 3,263 |
| Net loans and leases to total assets | 69.4700% | 1,864 |
| Net loans and leases to deposits | 76.6018% | 2,374 |
| Net loans and leases to core deposits | 89.2582% | 2,088 |
| Total domestic deposits to total assets | 90.6900% | 601 |
| Equity capital to assets | 8.1939% | 3,238 |
| Core capital (leverage) ratio | 10.1513% | 2,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4128% | 1,738 |
| Memoranda: | ||
| Average total assets | $408,822,000 | 2,019 |
| Average earning assets | $390,824,000 | 1,979 |
| Average equity | $33,450,000 | 2,201 |
| Average total loans | $286,316,500 | 1,892 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2474% | 1,581 |
| Cost of funding earning assets | 1.5307% | 1,861 |
| Net interest margin | 3.7167% | 1,728 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 2.3433% | 2,734 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.1559% | 1,766 |
| Return on assets (ROA) | 1.1465% | 1,763 |
| Pretax return on assets | 1.4291% | 1,578 |
| Return on Equity (ROE) | 14.1800% | 1,450 |
| Retained earnings to average equity (ytd only) | 7.4524% | 1,734 |
| Net charge-offs to loans | -0.0141% | 4,063 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 60.3044% | 3,046 |
| Assets per employee ($millions) | 6.6673% | 2,292 |
| Cash dividends to net income (ytd only)* | 47.4319% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3953% | 1,406 |
| Loan loss allowance to noncurrent loans | 2,310.5263% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.2815% | 1,816 |
| Noncurrent loans to loans | 0.0604% | 3,285 |
| Net loans and leases to total assets | 68.6500% | 1,959 |
| Net loans and leases to deposits | 75.6249% | 2,488 |
| Net loans and leases to core deposits | 88.2356% | 2,164 |
| Total domestic deposits to total assets | 90.7800% | 564 |
| Equity capital to assets | 8.1701% | 3,297 |
| Core capital (leverage) ratio | 9.9380% | 2,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4492% | 1,703 |
| Memoranda: | ||
| Average total assets | $390,596,400 | 2,043 |
| Average earning assets | $375,633,600 | 1,990 |
| Average equity | $31,587,000 | 2,197 |
| Average total loans | $276,678,400 | 1,887 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0641% | 1,702 |
| Cost of funding earning assets | 1.3926% | 1,892 |
| Net interest margin | 3.6716% | 1,837 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 2.2774% | 2,863 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.1135% | 2,012 |
| Return on assets (ROA) | 1.1009% | 2,035 |
| Pretax return on assets | 1.4448% | 1,686 |
| Return on Equity (ROE) | 13.6500% | 1,748 |
| Retained earnings to average equity (ytd only) | 11.9488% | 978 |
| Net charge-offs to loans | -0.0184% | 4,111 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 59.3528% | 3,038 |
| Assets per employee ($millions) | 6.0749% | 2,683 |
| Cash dividends to net income (ytd only)* | 12.4687% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4212% | 1,364 |
| Loan loss allowance to noncurrent loans | 2,132.5967% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.2971% | 1,822 |
| Noncurrent loans to loans | 0.0666% | 3,280 |
| Net loans and leases to total assets | 68.8700% | 1,961 |
| Net loans and leases to deposits | 75.4729% | 2,463 |
| Net loans and leases to core deposits | 87.7784% | 2,066 |
| Total domestic deposits to total assets | 91.2500% | 609 |
| Equity capital to assets | 7.9652% | 3,073 |
| Core capital (leverage) ratio | 10.6321% | 2,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0017% | 1,565 |
| Memoranda: | ||
| Average total assets | $386,569,750 | 2,053 |
| Average earning assets | $373,018,750 | 1,995 |
| Average equity | $31,176,750 | 2,202 |
| Average total loans | $275,056,000 | 1,896 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9305% | 1,690 |
| Cost of funding earning assets | 1.2531% | 1,840 |
| Net interest margin | 3.6773% | 1,858 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 2.2487% | 2,955 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.1846% | 1,869 |
| Return on assets (ROA) | 1.1658% | 1,923 |
| Pretax return on assets | 1.4965% | 1,605 |
| Return on Equity (ROE) | 14.4000% | 1,597 |
| Retained earnings to average equity (ytd only) | 12.6927% | 856 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 58.1268% | 3,176 |
| Assets per employee ($millions) | 6.3263% | 2,451 |
| Cash dividends to net income (ytd only)* | 11.8275% | 2,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3368% | 1,768 |
| Loan loss allowance to noncurrent loans | 2,096.6292% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.2985% | 1,722 |
| Noncurrent loans to loans | 0.0638% | 3,248 |
| Net loans and leases to total assets | 71.3800% | 1,598 |
| Net loans and leases to deposits | 78.4317% | 2,098 |
| Net loans and leases to core deposits | 87.1572% | 1,995 |
| Total domestic deposits to total assets | 91.0000% | 649 |
| Equity capital to assets | 8.2823% | 3,033 |
| Core capital (leverage) ratio | 10.1984% | 2,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7556% | 1,636 |
| Memoranda: | ||
| Average total assets | $385,829,000 | 2,060 |
| Average earning assets | $372,988,000 | 2,001 |
| Average equity | $31,246,333 | 2,209 |
| Average total loans | $276,205,667 | 1,881 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6852% | 1,888 |
| Cost of funding earning assets | 1.0794% | 1,812 |
| Net interest margin | 3.6058% | 2,115 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 2.3495% | 2,672 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 1.0252% | 2,453 |
| Return on assets (ROA) | 0.9871% | 2,536 |
| Pretax return on assets | 1.2307% | 2,350 |
| Return on Equity (ROE) | 12.3300% | 2,137 |
| Retained earnings to average equity (ytd only) | 10.6059% | 1,554 |
| Net charge-offs to loans | 0.0015% | 1,991 |
| Credit loss provision to net charge-offs | 7,200.0000% | 63 |
| Earnings coverage of net charge-offs (x) | 1,375.0000% | 67 |
| Efficiency ratio | 62.2356% | 2,656 |
| Assets per employee ($millions) | 6.3857% | 2,423 |
| Cash dividends to net income (ytd only)* | 13.9706% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3156% | 1,967 |
| Loan loss allowance to noncurrent loans | 2,025.2747% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.2920% | 1,695 |
| Noncurrent loans to loans | 0.0650% | 3,269 |
| Net loans and leases to total assets | 69.8300% | 1,644 |
| Net loans and leases to deposits | 76.4602% | 2,076 |
| Net loans and leases to core deposits | 85.0906% | 1,925 |
| Total domestic deposits to total assets | 91.3300% | 694 |
| Equity capital to assets | 7.9982% | 3,245 |
| Core capital (leverage) ratio | 10.0834% | 2,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2845% | 1,869 |
| Memoranda: | ||
| Average total assets | $385,791,000 | 2,082 |
| Average earning assets | $373,172,000 | 2,024 |
| Average equity | $30,888,500 | 2,256 |
| Average total loans | $274,722,000 | 1,906 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9456% | 1,872 |
| Cost of funding earning assets | 0.2490% | 3,329 |
| Net interest margin | 3.6965% | 1,389 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 2.0919% | 3,318 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.3561% | 1,262 |
| Return on assets (ROA) | 1.3561% | 1,220 |
| Pretax return on assets | 1.7462% | 821 |
| Return on Equity (ROE) | 16.7600% | 902 |
| Retained earnings to average equity (ytd only) | 10.4079% | 1,038 |
| Net charge-offs to loans | 0.0038% | 2,323 |
| Credit loss provision to net charge-offs | 2,666.6667% | 209 |
| Earnings coverage of net charge-offs (x) | 778.2222% | 237 |
| Efficiency ratio | 53.6374% | 3,821 |
| Assets per employee ($millions) | 6.0591% | 2,709 |
| Cash dividends to net income (ytd only)* | 37.9022% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3262% | 1,778 |
| Loan loss allowance to noncurrent loans | 1,417.0635% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.3264% | 1,544 |
| Noncurrent loans to loans | 0.0936% | 3,093 |
| Net loans and leases to total assets | 70.7300% | 1,558 |
| Net loans and leases to deposits | 78.7520% | 1,874 |
| Net loans and leases to core deposits | 85.2301% | 1,804 |
| Total domestic deposits to total assets | 89.8100% | 1,442 |
| Equity capital to assets | 8.0153% | 3,052 |
| Core capital (leverage) ratio | 10.0673% | 2,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5979% | 1,766 |
| Memoranda: | ||
| Average total assets | $387,360,000 | 2,072 |
| Average earning assets | $374,674,400 | 2,007 |
| Average equity | $31,341,600 | 2,280 |
| Average total loans | $238,422,400 | 2,011 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7850% | 1,801 |
| Cost of funding earning assets | 0.1455% | 3,892 |
| Net interest margin | 3.6396% | 1,299 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 2.1123% | 3,177 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.2845% | 1,407 |
| Return on assets (ROA) | 1.2845% | 1,376 |
| Pretax return on assets | 1.7293% | 850 |
| Return on Equity (ROE) | 15.8400% | 1,008 |
| Retained earnings to average equity (ytd only) | 14.1632% | 445 |
| Net charge-offs to loans | 0.0058% | 1,956 |
| Credit loss provision to net charge-offs | 250.0000% | 892 |
| Earnings coverage of net charge-offs (x) | 508.7000% | 306 |
| Efficiency ratio | 54.8625% | 3,740 |
| Assets per employee ($millions) | 6.0333% | 2,736 |
| Cash dividends to net income (ytd only)* | 10.5851% | 2,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3479% | 1,815 |
| Loan loss allowance to noncurrent loans | 824.3243% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.3725% | 1,453 |
| Noncurrent loans to loans | 0.1635% | 2,783 |
| Net loans and leases to total assets | 66.7200% | 1,812 |
| Net loans and leases to deposits | 73.0950% | 2,122 |
| Net loans and leases to core deposits | 76.5121% | 2,163 |
| Total domestic deposits to total assets | 91.2800% | 1,130 |
| Equity capital to assets | 7.9398% | 2,936 |
| Core capital (leverage) ratio | 9.9003% | 2,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1032% | 1,672 |
| Memoranda: | ||
| Average total assets | $390,283,250 | 2,077 |
| Average earning assets | $377,619,250 | 2,016 |
| Average equity | $31,649,250 | 2,290 |
| Average total loans | $230,709,500 | 2,048 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5552% | 1,977 |
| Cost of funding earning assets | 0.1167% | 3,999 |
| Net interest margin | 3.4385% | 1,487 |
| Noninterest income to average assets | 0.3344% | 3,153 |
| Noninterest expense to average assets | 2.0543% | 3,283 |
| Loan and lease loss provision to assets | 0.0050% | 2,511 |
| Net operating income to assets | 1.2039% | 1,413 |
| Return on assets (ROA) | 1.2039% | 1,396 |
| Pretax return on assets | 1.6087% | 916 |
| Return on Equity (ROE) | 14.7511% | 950 |
| Retained earnings to average equity (ytd only) | 13.1121% | 453 |
| Net charge-offs to loans | -0.0018% | 3,114 |
| Credit loss provision to net charge-offs | -500.0000% | 3,378 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0049% | 3,769 |
| Assets per employee ($millions) | 6.7443% | 2,123 |
| Cash dividends to net income (ytd only)* | 11.1111% | 2,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4150% | 1,695 |
| Loan loss allowance to noncurrent loans | 1,397.0833% | 726 |
| Noncurrent assets plus other real estate owned to assets | 0.2927% | 1,835 |
| Noncurrent loans to loans | 0.1013% | 3,251 |
| Net loans and leases to total assets | 56.7845% | 2,668 |
| Net loans and leases to deposits | 61.6353% | 2,918 |
| Net loans and leases to core deposits | 64.4893% | 2,927 |
| Total domestic deposits to total assets | 92.1298% | 786 |
| Equity capital to assets | 7.2883% | 3,607 |
| Core capital (leverage) ratio | 8.7600% | 3,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8090% | 1,761 |
| Memoranda: | ||
| Average total assets | $397,701,000 | 2,062 |
| Average earning assets | $385,574,667 | 2,003 |
| Average equity | $32,458,667 | 2,296 |
| Average total loans | $224,643,000 | 2,080 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3645% | 2,197 |
| Cost of funding earning assets | 0.1256% | 3,827 |
| Net interest margin | 3.2389% | 1,755 |
| Noninterest income to average assets | 0.3265% | 3,146 |
| Noninterest expense to average assets | 2.1543% | 2,960 |
| Loan and lease loss provision to assets | 0.0051% | 2,214 |
| Net operating income to assets | 1.0255% | 1,779 |
| Return on assets (ROA) | 1.0255% | 1,768 |
| Pretax return on assets | 1.3069% | 1,484 |
| Return on Equity (ROE) | 11.8946% | 1,349 |
| Retained earnings to average equity (ytd only) | 10.3158% | 944 |
| Net charge-offs to loans | -0.0037% | 3,252 |
| Credit loss provision to net charge-offs | -250.0000% | 3,014 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1494% | 3,243 |
| Assets per employee ($millions) | 6.5083% | 2,376 |
| Cash dividends to net income (ytd only)* | 13.2735% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5199% | 1,497 |
| Loan loss allowance to noncurrent loans | 1,317.7165% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.4138% | 1,466 |
| Noncurrent loans to loans | 0.1153% | 3,249 |
| Net loans and leases to total assets | 54.6248% | 2,675 |
| Net loans and leases to deposits | 59.8548% | 2,918 |
| Net loans and leases to core deposits | 62.8851% | 2,903 |
| Total domestic deposits to total assets | 91.2621% | 907 |
| Equity capital to assets | 8.1777% | 3,424 |
| Core capital (leverage) ratio | 9.1890% | 3,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1163% | 1,763 |
| Memoranda: | ||
| Average total assets | $390,851,000 | 2,091 |
| Average earning assets | $378,898,500 | 2,033 |
| Average equity | $33,696,000 | 2,298 |
| Average total loans | $218,482,000 | 2,108 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8506% | 1,740 |
| Cost of funding earning assets | 0.3328% | 2,091 |
| Net interest margin | 3.5179% | 1,677 |
| Noninterest income to average assets | 0.4042% | 3,025 |
| Noninterest expense to average assets | 2.1752% | 3,160 |
| Loan and lease loss provision to assets | 0.1125% | 1,119 |
| Net operating income to assets | 1.1819% | 1,985 |
| Return on assets (ROA) | 1.1867% | 2,036 |
| Pretax return on assets | 1.5336% | 1,614 |
| Return on Equity (ROE) | 12.2930% | 1,717 |
| Retained earnings to average equity (ytd only) | 7.6514% | 1,679 |
| Net charge-offs to loans | -0.0023% | 3,389 |
| Credit loss provision to net charge-offs | -8,000.0000% | 4,204 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0154% | 3,576 |
| Assets per employee ($millions) | 6.3065% | 2,482 |
| Cash dividends to net income (ytd only)* | 37.7578% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5409% | 1,422 |
| Loan loss allowance to noncurrent loans | 1,279.6935% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.4289% | 1,528 |
| Noncurrent loans to loans | 0.1204% | 3,329 |
| Net loans and leases to total assets | 55.4759% | 2,685 |
| Net loans and leases to deposits | 61.3393% | 2,950 |
| Net loans and leases to core deposits | 64.7239% | 2,925 |
| Total domestic deposits to total assets | 90.4410% | 741 |
| Equity capital to assets | 9.0788% | 3,538 |
| Core capital (leverage) ratio | 9.2361% | 3,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4485% | 1,698 |
| Memoranda: | ||
| Average total assets | $355,509,600 | 2,171 |
| Average earning assets | $344,695,400 | 2,107 |
| Average equity | $34,320,400 | 2,322 |
| Average total loans | $216,499,600 | 2,125 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9177% | 1,711 |
| Cost of funding earning assets | 0.3944% | 1,737 |
| Net interest margin | 3.5233% | 1,804 |
| Noninterest income to average assets | 0.4089% | 3,042 |
| Noninterest expense to average assets | 2.2534% | 2,881 |
| Loan and lease loss provision to assets | 0.0862% | 1,380 |
| Net operating income to assets | 1.1533% | 2,349 |
| Return on assets (ROA) | 1.1694% | 2,339 |
| Pretax return on assets | 1.5036% | 1,981 |
| Return on Equity (ROE) | 11.9169% | 2,078 |
| Retained earnings to average equity (ytd only) | 10.3639% | 1,206 |
| Net charge-offs to loans | -0.0025% | 3,262 |
| Credit loss provision to net charge-offs | -5,625.0000% | 4,146 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9443% | 3,129 |
| Assets per employee ($millions) | 5.8672% | 2,822 |
| Cash dividends to net income (ytd only)* | 13.0321% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4421% | 1,842 |
| Loan loss allowance to noncurrent loans | 312.3396% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 0.6674% | 1,124 |
| Noncurrent loans to loans | 0.4617% | 2,176 |
| Net loans and leases to total assets | 58.5020% | 2,426 |
| Net loans and leases to deposits | 65.2773% | 2,701 |
| Net loans and leases to core deposits | 69.3472% | 2,651 |
| Total domestic deposits to total assets | 89.6208% | 953 |
| Equity capital to assets | 9.6463% | 3,255 |
| Core capital (leverage) ratio | 9.6866% | 2,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3896% | 1,831 |
| Memoranda: | ||
| Average total assets | $348,212,750 | 2,230 |
| Average earning assets | $337,402,500 | 2,167 |
| Average equity | $34,169,000 | 2,356 |
| Average total loans | $216,436,000 | 2,159 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8105% | 2,041 |
| Cost of funding earning assets | 0.4432% | 1,568 |
| Net interest margin | 3.3673% | 2,249 |
| Noninterest income to average assets | 0.4111% | 3,054 |
| Noninterest expense to average assets | 2.2576% | 2,893 |
| Loan and lease loss provision to assets | 0.0880% | 1,408 |
| Net operating income to assets | 1.0008% | 2,878 |
| Return on assets (ROA) | 1.0268% | 2,879 |
| Pretax return on assets | 1.3598% | 2,440 |
| Return on Equity (ROE) | 10.3999% | 2,615 |
| Retained earnings to average equity (ytd only) | 8.8200% | 1,768 |
| Net charge-offs to loans | -0.0028% | 3,268 |
| Credit loss provision to net charge-offs | -5,000.0000% | 3,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4721% | 2,804 |
| Assets per employee ($millions) | 5.7308% | 2,862 |
| Cash dividends to net income (ytd only)* | 15.1913% | 2,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4024% | 1,971 |
| Loan loss allowance to noncurrent loans | 302.4486% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 0.6764% | 1,219 |
| Noncurrent loans to loans | 0.4637% | 2,287 |
| Net loans and leases to total assets | 60.1344% | 2,411 |
| Net loans and leases to deposits | 66.9308% | 2,730 |
| Net loans and leases to core deposits | 71.4152% | 2,655 |
| Total domestic deposits to total assets | 89.8458% | 848 |
| Equity capital to assets | 9.4865% | 3,338 |
| Core capital (leverage) ratio | 9.2747% | 3,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4846% | 1,807 |
| Memoranda: | ||
| Average total assets | $341,072,000 | 2,248 |
| Average earning assets | $330,352,667 | 2,190 |
| Average equity | $33,673,333 | 2,368 |
| Average total loans | $215,445,333 | 2,175 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7773% | 2,166 |
| Cost of funding earning assets | 0.4814% | 1,509 |
| Net interest margin | 3.2959% | 2,407 |
| Noninterest income to average assets | 0.3878% | 3,162 |
| Noninterest expense to average assets | 2.3220% | 2,714 |
| Loan and lease loss provision to assets | 0.0906% | 1,463 |
| Net operating income to assets | 0.8961% | 3,134 |
| Return on assets (ROA) | 0.9496% | 3,063 |
| Pretax return on assets | 1.2275% | 2,769 |
| Return on Equity (ROE) | 9.4174% | 2,883 |
| Retained earnings to average equity (ytd only) | 7.8239% | 2,308 |
| Net charge-offs to loans | -0.0038% | 3,296 |
| Credit loss provision to net charge-offs | -3,750.0000% | 3,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9983% | 2,352 |
| Assets per employee ($millions) | 5.8784% | 2,719 |
| Cash dividends to net income (ytd only)* | 16.9211% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3784% | 2,061 |
| Loan loss allowance to noncurrent loans | 295.2941% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 0.7041% | 1,332 |
| Noncurrent loans to loans | 0.4668% | 2,456 |
| Net loans and leases to total assets | 62.1353% | 2,274 |
| Net loans and leases to deposits | 69.2581% | 2,576 |
| Net loans and leases to core deposits | 73.8509% | 2,528 |
| Total domestic deposits to total assets | 89.7155% | 956 |
| Equity capital to assets | 9.6046% | 3,099 |
| Core capital (leverage) ratio | 10.2370% | 2,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6024% | 1,704 |
| Memoranda: | ||
| Average total assets | $331,087,500 | 2,280 |
| Average earning assets | $319,908,000 | 2,221 |
| Average equity | $33,385,000 | 2,381 |
| Average total loans | $213,069,000 | 2,198 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8114% | 718 |
| Cost of funding earning assets | 0.5354% | 2,713 |
| Net interest margin | 4.2761% | 533 |
| Noninterest income to average assets | 0.4947% | 2,654 |
| Noninterest expense to average assets | 2.7904% | 1,966 |
| Loan and lease loss provision to assets | 0.2117% | 1,854 |
| Net operating income to assets | 1.2980% | 1,256 |
| Return on assets (ROA) | 1.3921% | 1,128 |
| Pretax return on assets | 1.7388% | 785 |
| Return on Equity (ROE) | 11.6803% | 1,420 |
| Retained earnings to average equity (ytd only) | 7.3834% | 1,244 |
| Net charge-offs to loans | 0.0061% | 3,125 |
| Credit loss provision to net charge-offs | 4,758.3333% | 220 |
| Earnings coverage of net charge-offs (x) | 411.9167% | 273 |
| Efficiency ratio | 60.3545% | 3,405 |
| Assets per employee ($millions) | 5.0863% | 3,298 |
| Cash dividends to net income (ytd only)* | 36.7874% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4136% | 1,919 |
| Loan loss allowance to noncurrent loans | 283.3012% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 0.8695% | 1,148 |
| Noncurrent loans to loans | 0.4990% | 2,475 |
| Net loans and leases to total assets | 64.9089% | 2,242 |
| Net loans and leases to deposits | 74.4862% | 2,438 |
| Net loans and leases to core deposits | 79.5228% | 2,405 |
| Total domestic deposits to total assets | 87.1423% | 1,867 |
| Equity capital to assets | 10.6101% | 2,585 |
| Core capital (leverage) ratio | 10.7690% | 1,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3441% | 1,432 |
| Memoranda: | ||
| Average total assets | $269,674,000 | 2,464 |
| Average earning assets | $260,379,400 | 2,398 |
| Average equity | $32,139,600 | 2,383 |
| Average total loans | $196,006,400 | 2,274 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0290% | 577 |
| Cost of funding earning assets | 0.5414% | 2,982 |
| Net interest margin | 4.4876% | 389 |
| Noninterest income to average assets | 0.5070% | 2,590 |
| Noninterest expense to average assets | 2.9655% | 1,516 |
| Loan and lease loss provision to assets | 0.1657% | 2,341 |
| Net operating income to assets | 1.3878% | 1,130 |
| Return on assets (ROA) | 1.5199% | 941 |
| Pretax return on assets | 1.8741% | 674 |
| Return on Equity (ROE) | 12.3397% | 1,290 |
| Retained earnings to average equity (ytd only) | 10.6673% | 635 |
| Net charge-offs to loans | 0.0083% | 2,819 |
| Credit loss provision to net charge-offs | 2,675.0000% | 378 |
| Earnings coverage of net charge-offs (x) | 302.9167% | 354 |
| Efficiency ratio | 61.2432% | 3,188 |
| Assets per employee ($millions) | 4.6289% | 3,685 |
| Cash dividends to net income (ytd only)* | 13.5530% | 3,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2528% | 2,383 |
| Loan loss allowance to noncurrent loans | 256.4470% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 0.9948% | 1,122 |
| Noncurrent loans to loans | 0.4885% | 2,596 |
| Net loans and leases to total assets | 73.7436% | 1,407 |
| Net loans and leases to deposits | 86.0633% | 1,700 |
| Net loans and leases to core deposits | 89.7422% | 1,999 |
| Total domestic deposits to total assets | 85.6854% | 2,185 |
| Equity capital to assets | 11.6627% | 1,903 |
| Core capital (leverage) ratio | 11.8741% | 1,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8273% | 1,296 |
| Memoranda: | ||
| Average total assets | $258,254,750 | 2,510 |
| Average earning assets | $249,481,000 | 2,456 |
| Average equity | $31,809,750 | 2,388 |
| Average total loans | $193,101,500 | 2,294 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2421% | 526 |
| Cost of funding earning assets | 0.5546% | 3,213 |
| Net interest margin | 4.6875% | 351 |
| Noninterest income to average assets | 0.5316% | 2,430 |
| Noninterest expense to average assets | 3.0272% | 1,513 |
| Loan and lease loss provision to assets | 0.0885% | 3,170 |
| Net operating income to assets | 1.5162% | 899 |
| Return on assets (ROA) | 1.5651% | 888 |
| Pretax return on assets | 1.9849% | 564 |
| Return on Equity (ROE) | 12.4520% | 1,230 |
| Retained earnings to average equity (ytd only) | 10.7499% | 647 |
| Net charge-offs to loans | 0.0065% | 2,736 |
| Credit loss provision to net charge-offs | 1,833.3333% | 515 |
| Earnings coverage of net charge-offs (x) | 416.8333% | 240 |
| Efficiency ratio | 60.0798% | 3,404 |
| Assets per employee ($millions) | 4.5537% | 3,717 |
| Cash dividends to net income (ytd only)* | 13.6691% | 2,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2333% | 2,337 |
| Loan loss allowance to noncurrent loans | 234.1832% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 1.0526% | 1,111 |
| Noncurrent loans to loans | 0.5266% | 2,585 |
| Net loans and leases to total assets | 72.6899% | 1,592 |
| Net loans and leases to deposits | 85.2916% | 1,848 |
| Net loans and leases to core deposits | 88.5281% | 2,195 |
| Total domestic deposits to total assets | 85.2251% | 2,297 |
| Equity capital to assets | 11.9969% | 1,663 |
| Core capital (leverage) ratio | 12.3876% | 1,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9611% | 1,253 |
| Memoranda: | ||
| Average total assets | $248,675,333 | 2,549 |
| Average earning assets | $239,103,333 | 2,496 |
| Average equity | $31,256,000 | 2,395 |
| Average total loans | $186,027,333 | 2,346 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9326% | 1,112 |
| Cost of funding earning assets | 0.5935% | 3,470 |
| Net interest margin | 4.3392% | 704 |
| Noninterest income to average assets | 0.5787% | 2,139 |
| Noninterest expense to average assets | 3.2487% | 1,317 |
| Loan and lease loss provision to assets | 0.0761% | 2,775 |
| Net operating income to assets | 1.1255% | 1,762 |
| Return on assets (ROA) | 1.2284% | 1,539 |
| Pretax return on assets | 1.5533% | 1,166 |
| Return on Equity (ROE) | 9.5229% | 1,904 |
| Retained earnings to average equity (ytd only) | 7.7783% | 1,295 |
| Net charge-offs to loans | -0.0112% | 4,111 |
| Credit loss provision to net charge-offs | -900.0000% | 3,530 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4248% | 2,597 |
| Assets per employee ($millions) | 3.9703% | 3,952 |
| Cash dividends to net income (ytd only)* | 18.3196% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3242% | 2,032 |
| Loan loss allowance to noncurrent loans | 139.6661% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 1.4980% | 716 |
| Noncurrent loans to loans | 0.9481% | 1,734 |
| Net loans and leases to total assets | 74.6419% | 1,512 |
| Net loans and leases to deposits | 88.4713% | 1,700 |
| Net loans and leases to core deposits | 91.8377% | 2,180 |
| Total domestic deposits to total assets | 84.3685% | 2,645 |
| Equity capital to assets | 12.6545% | 1,645 |
| Core capital (leverage) ratio | 13.1725% | 1,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0427% | 1,337 |
| Memoranda: | ||
| Average total assets | $236,402,500 | 2,585 |
| Average earning assets | $227,140,500 | 2,517 |
| Average equity | $30,495,000 | 2,426 |
| Average total loans | $178,499,000 | 2,376 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8607% | 1,869 |
| Cost of funding earning assets | 0.6010% | 3,633 |
| Net interest margin | 4.2596% | 1,185 |
| Noninterest income to average assets | 0.7130% | 1,765 |
| Noninterest expense to average assets | 3.0454% | 1,897 |
| Loan and lease loss provision to assets | 0.2035% | 997 |
| Net operating income to assets | 1.2339% | 1,931 |
| Return on assets (ROA) | 1.2375% | 2,001 |
| Pretax return on assets | 1.5298% | 1,712 |
| Return on Equity (ROE) | 9.2848% | 2,618 |
| Retained earnings to average equity (ytd only) | 1.3979% | 4,244 |
| Net charge-offs to loans | -0.0272% | 4,695 |
| Credit loss provision to net charge-offs | -1,124.3902% | 4,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7877% | 3,103 |
| Assets per employee ($millions) | 4.1181% | 3,746 |
| Cash dividends to net income (ytd only)* | 84.9447% | 655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3671% | 1,641 |
| Loan loss allowance to noncurrent loans | 108.2460% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 1.7315% | 532 |
| Noncurrent loans to loans | 1.2630% | 1,190 |
| Net loans and leases to total assets | 74.3320% | 1,699 |
| Net loans and leases to deposits | 88.6194% | 1,757 |
| Net loans and leases to core deposits | 92.1722% | 2,223 |
| Total domestic deposits to total assets | 83.8778% | 2,888 |
| Equity capital to assets | 13.1571% | 1,434 |
| Core capital (leverage) ratio | 13.2305% | 1,144 |
| Tier 1 risk-based capital ratio | 16.2729% | 2,304 |
| Total risk-based capital ratio | 17.5228% | 2,250 |
| Memoranda: | ||
| Average total assets | $226,502,200 | 2,605 |
| Average earning assets | $215,958,400 | 2,560 |
| Average equity | $30,189,200 | 2,382 |
| Average total loans | $150,891,800 | 2,608 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8853% | 1,859 |
| Cost of funding earning assets | 0.6061% | 3,665 |
| Net interest margin | 4.2791% | 1,208 |
| Noninterest income to average assets | 0.4441% | 3,057 |
| Noninterest expense to average assets | 3.0737% | 1,771 |
| Loan and lease loss provision to assets | 0.0982% | 1,953 |
| Net operating income to assets | 1.0827% | 2,641 |
| Return on assets (ROA) | 1.0827% | 2,736 |
| Pretax return on assets | 1.3382% | 2,531 |
| Return on Equity (ROE) | 8.0968% | 3,261 |
| Retained earnings to average equity (ytd only) | 6.3368% | 2,206 |
| Net charge-offs to loans | -0.0588% | 4,870 |
| Credit loss provision to net charge-offs | -259.3750% | 4,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1526% | 2,389 |
| Assets per employee ($millions) | 3.9336% | 3,979 |
| Cash dividends to net income (ytd only)* | 21.7366% | 2,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3110% | 1,922 |
| Loan loss allowance to noncurrent loans | 99.1050% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 2.2951% | 325 |
| Noncurrent loans to loans | 1.3228% | 1,165 |
| Net loans and leases to total assets | 70.6404% | 2,382 |
| Net loans and leases to deposits | 83.1073% | 2,556 |
| Net loans and leases to core deposits | 86.3614% | 2,876 |
| Total domestic deposits to total assets | 84.9991% | 2,429 |
| Equity capital to assets | 14.0059% | 1,149 |
| Core capital (leverage) ratio | 14.0678% | 967 |
| Tier 1 risk-based capital ratio | 16.3686% | 2,310 |
| Total risk-based capital ratio | 17.4664% | 2,286 |
| Memoranda: | ||
| Average total assets | $225,474,250 | 2,638 |
| Average earning assets | $214,244,500 | 2,594 |
| Average equity | $30,151,000 | 2,400 |
| Average total loans | $145,165,750 | 2,694 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7452% | 2,241 |
| Cost of funding earning assets | 0.6103% | 3,600 |
| Net interest margin | 4.1349% | 1,509 |
| Noninterest income to average assets | 0.4808% | 2,777 |
| Noninterest expense to average assets | 3.0085% | 1,984 |
| Loan and lease loss provision to assets | 0.1071% | 1,752 |
| Net operating income to assets | 1.0368% | 2,778 |
| Return on assets (ROA) | 1.0368% | 2,851 |
| Pretax return on assets | 1.2882% | 2,603 |
| Return on Equity (ROE) | 7.8766% | 3,338 |
| Retained earnings to average equity (ytd only) | 6.0874% | 2,243 |
| Net charge-offs to loans | -0.0900% | 4,983 |
| Credit loss provision to net charge-offs | -192.0635% | 3,983 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3152% | 2,482 |
| Assets per employee ($millions) | 3.9722% | 3,901 |
| Cash dividends to net income (ytd only)* | 22.7156% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4066% | 1,584 |
| Loan loss allowance to noncurrent loans | 90.9011% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 2.3360% | 338 |
| Noncurrent loans to loans | 1.5473% | 989 |
| Net loans and leases to total assets | 63.7135% | 3,370 |
| Net loans and leases to deposits | 74.5418% | 3,476 |
| Net loans and leases to core deposits | 77.4019% | 3,618 |
| Total domestic deposits to total assets | 85.4736% | 2,277 |
| Equity capital to assets | 13.6237% | 1,271 |
| Core capital (leverage) ratio | 13.6818% | 1,058 |
| Tier 1 risk-based capital ratio | 19.3963% | 1,460 |
| Total risk-based capital ratio | 20.6465% | 1,430 |
| Memoranda: | ||
| Average total assets | $225,894,670 | 2,645 |
| Average earning assets | $214,322,330 | 2,607 |
| Average equity | $29,733,670 | 2,415 |
| Average total loans | $140,058,000 | 2,764 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6451% | 2,399 |
| Cost of funding earning assets | 0.5916% | 3,621 |
| Net interest margin | 4.0535% | 1,677 |
| Noninterest income to average assets | 0.3421% | 3,580 |
| Noninterest expense to average assets | 2.8152% | 2,519 |
| Loan and lease loss provision to assets | 0.0798% | 2,101 |
| Net operating income to assets | 1.0229% | 2,767 |
| Return on assets (ROA) | 1.0229% | 2,805 |
| Pretax return on assets | 1.2977% | 2,464 |
| Return on Equity (ROE) | 7.9102% | 3,303 |
| Retained earnings to average equity (ytd only) | 6.0869% | 2,423 |
| Net charge-offs to loans | -0.0029% | 3,918 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1459% | 2,771 |
| Assets per employee ($millions) | 3.9578% | 3,985 |
| Cash dividends to net income (ytd only)* | 23.0503% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4067% | 1,657 |
| Loan loss allowance to noncurrent loans | 106.2535% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 2.2696% | 381 |
| Noncurrent loans to loans | 1.3239% | 1,235 |
| Net loans and leases to total assets | 59.6529% | 3,743 |
| Net loans and leases to deposits | 69.3477% | 3,820 |
| Net loans and leases to core deposits | 71.7437% | 3,963 |
| Total domestic deposits to total assets | 86.0201% | 2,276 |
| Equity capital to assets | 13.1532% | 1,370 |
| Core capital (leverage) ratio | 13.7119% | 1,021 |
| Tier 1 risk-based capital ratio | 17.7547% | 1,870 |
| Total risk-based capital ratio | 18.8767% | 1,861 |
| Memoranda: | ||
| Average total assets | $225,634,500 | 2,674 |
| Average earning assets | $214,334,000 | 2,630 |
| Average equity | $29,177,500 | 2,455 |
| Average total loans | $136,929,500 | 2,829 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5510% | 2,289 |
| Cost of funding earning assets | 0.5207% | 3,223 |
| Net interest margin | 4.0303% | 1,889 |
| Noninterest income to average assets | 0.3891% | 3,503 |
| Noninterest expense to average assets | 2.7508% | 2,856 |
| Loan and lease loss provision to assets | 0.1606% | 1,275 |
| Net operating income to assets | 1.0454% | 2,824 |
| Return on assets (ROA) | 1.0475% | 2,799 |
| Pretax return on assets | 1.3266% | 2,411 |
| Return on Equity (ROE) | 8.3329% | 3,306 |
| Retained earnings to average equity (ytd only) | 2.2373% | 4,261 |
| Net charge-offs to loans | 0.2512% | 766 |
| Credit loss provision to net charge-offs | 106.1047% | 2,408 |
| Earnings coverage of net charge-offs (x) | 9.8052% | 2,779 |
| Efficiency ratio | 64.9486% | 3,035 |
| Assets per employee ($millions) | 3.9592% | 3,948 |
| Cash dividends to net income (ytd only)* | 73.1513% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3642% | 1,771 |
| Loan loss allowance to noncurrent loans | 107.8251% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 1.9351% | 509 |
| Noncurrent loans to loans | 1.2652% | 1,259 |
| Net loans and leases to total assets | 60.0384% | 3,773 |
| Net loans and leases to deposits | 69.3070% | 3,876 |
| Net loans and leases to core deposits | 71.5812% | 4,025 |
| Total domestic deposits to total assets | 86.6267% | 1,954 |
| Equity capital to assets | 12.7095% | 1,481 |
| Core capital (leverage) ratio | 13.1933% | 1,180 |
| Tier 1 risk-based capital ratio | 19.7583% | 1,348 |
| Total risk-based capital ratio | 20.9951% | 1,318 |
| Memoranda: | ||
| Average total assets | $227,202,600 | 2,633 |
| Average earning assets | $216,830,600 | 2,586 |
| Average equity | $28,561,600 | 2,428 |
| Average total loans | $136,921,400 | 2,806 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4998% | 2,303 |
| Cost of funding earning assets | 0.4998% | 3,201 |
| Net interest margin | 4.0000% | 1,957 |
| Noninterest income to average assets | 0.3978% | 3,497 |
| Noninterest expense to average assets | 2.7875% | 2,679 |
| Loan and lease loss provision to assets | 0.0703% | 2,559 |
| Net operating income to assets | 1.0487% | 2,871 |
| Return on assets (ROA) | 1.0487% | 2,882 |
| Pretax return on assets | 1.3568% | 2,395 |
| Return on Equity (ROE) | 8.3653% | 3,397 |
| Retained earnings to average equity (ytd only) | 6.5053% | 2,381 |
| Net charge-offs to loans | 0.2339% | 729 |
| Credit loss provision to net charge-offs | 50.0000% | 2,827 |
| Earnings coverage of net charge-offs (x) | 10.1501% | 2,605 |
| Efficiency ratio | 66.1384% | 2,851 |
| Assets per employee ($millions) | 4.0706% | 3,782 |
| Cash dividends to net income (ytd only)* | 22.2345% | 2,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2566% | 2,332 |
| Loan loss allowance to noncurrent loans | 91.4557% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 2.0211% | 525 |
| Noncurrent loans to loans | 1.3741% | 1,214 |
| Net loans and leases to total assets | 60.8583% | 3,758 |
| Net loans and leases to deposits | 70.6313% | 3,871 |
| Net loans and leases to core deposits | 72.8768% | 4,020 |
| Total domestic deposits to total assets | 86.1634% | 2,114 |
| Equity capital to assets | 12.8964% | 1,383 |
| Core capital (leverage) ratio | 14.2490% | 874 |
| Tier 1 risk-based capital ratio | 16.6642% | 2,217 |
| Total risk-based capital ratio | 17.6057% | 2,260 |
| Memoranda: | ||
| Average total assets | $227,582,750 | 2,644 |
| Average earning assets | $217,159,500 | 2,598 |
| Average equity | $28,529,750 | 2,435 |
| Average total loans | $136,810,500 | 2,823 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5356% | 1,979 |
| Cost of funding earning assets | 0.4889% | 3,099 |
| Net interest margin | 4.0467% | 1,705 |
| Noninterest income to average assets | 0.3348% | 3,941 |
| Noninterest expense to average assets | 2.8407% | 2,534 |
| Loan and lease loss provision to assets | 0.0656% | 2,589 |
| Net operating income to assets | 1.0078% | 2,983 |
| Return on assets (ROA) | 1.0078% | 2,985 |
| Pretax return on assets | 1.2849% | 2,576 |
| Return on Equity (ROE) | 8.1153% | 3,451 |
| Retained earnings to average equity (ytd only) | 6.2431% | 2,442 |
| Net charge-offs to loans | 0.3533% | 448 |
| Credit loss provision to net charge-offs | 31.1203% | 2,621 |
| Earnings coverage of net charge-offs (x) | 6.4108% | 2,631 |
| Efficiency ratio | 67.7789% | 2,684 |
| Assets per employee ($millions) | 3.9825% | 3,926 |
| Cash dividends to net income (ytd only)* | 23.0703% | 2,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2432% | 2,469 |
| Loan loss allowance to noncurrent loans | 88.3307% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 2.1024% | 492 |
| Noncurrent loans to loans | 1.4075% | 1,201 |
| Net loans and leases to total assets | 61.2172% | 3,681 |
| Net loans and leases to deposits | 71.1551% | 3,771 |
| Net loans and leases to core deposits | 72.9034% | 3,953 |
| Total domestic deposits to total assets | 86.0335% | 2,261 |
| Equity capital to assets | 13.0603% | 1,269 |
| Core capital (leverage) ratio | 13.0921% | 1,186 |
| Tier 1 risk-based capital ratio | 19.2777% | 1,480 |
| Total risk-based capital ratio | 20.3557% | 1,492 |
| Memoranda: | ||
| Average total assets | $228,815,670 | 2,648 |
| Average earning assets | $218,051,670 | 2,600 |
| Average equity | $28,415,330 | 2,447 |
| Average total loans | $136,418,670 | 2,838 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2559% | 2,684 |
| Cost of funding earning assets | 0.4367% | 3,317 |
| Net interest margin | 3.8192% | 2,341 |
| Noninterest income to average assets | 0.3269% | 3,967 |
| Noninterest expense to average assets | 2.6889% | 3,073 |
| Loan and lease loss provision to assets | 0.0513% | 2,750 |
| Net operating income to assets | 0.9978% | 2,865 |
| Return on assets (ROA) | 0.9978% | 2,886 |
| Pretax return on assets | 1.2238% | 2,664 |
| Return on Equity (ROE) | 8.2346% | 3,281 |
| Retained earnings to average equity (ytd only) | 6.3560% | 2,563 |
| Net charge-offs to loans | 0.7489% | 195 |
| Credit loss provision to net charge-offs | 11.7188% | 2,166 |
| Earnings coverage of net charge-offs (x) | 2.9102% | 2,422 |
| Efficiency ratio | 67.8325% | 2,856 |
| Assets per employee ($millions) | 4.2994% | 3,489 |
| Cash dividends to net income (ytd only)* | 22.8130% | 2,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1952% | 2,833 |
| Loan loss allowance to noncurrent loans | 70.3544% | 4,016 |
| Noncurrent assets plus other real estate owned to assets | 2.1965% | 476 |
| Noncurrent loans to loans | 1.6989% | 1,007 |
| Net loans and leases to total assets | 56.9132% | 4,034 |
| Net loans and leases to deposits | 68.4915% | 3,914 |
| Net loans and leases to core deposits | 69.9631% | 4,084 |
| Total domestic deposits to total assets | 83.0953% | 3,637 |
| Equity capital to assets | 11.9294% | 1,844 |
| Core capital (leverage) ratio | 13.0302% | 1,171 |
| Tier 1 risk-based capital ratio | 19.9338% | 1,356 |
| Total risk-based capital ratio | 21.0247% | 1,356 |
| Memoranda: | ||
| Average total assets | $233,704,500 | 2,632 |
| Average earning assets | $222,561,000 | 2,592 |
| Average equity | $28,319,500 | 2,479 |
| Average total loans | $136,739,500 | 2,856 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2531% | 2,483 |
| Cost of funding earning assets | 0.4154% | 3,092 |
| Net interest margin | 3.8377% | 2,291 |
| Noninterest income to average assets | 0.3499% | 3,965 |
| Noninterest expense to average assets | 2.6960% | 3,134 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7729% | 3,287 |
| Return on assets (ROA) | 0.7731% | 3,326 |
| Pretax return on assets | 1.3136% | 2,295 |
| Return on Equity (ROE) | 5.9605% | 3,777 |
| Retained earnings to average equity (ytd only) | -1.7974% | 5,267 |
| Net charge-offs to loans | -0.0269% | 5,032 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2463% | 3,042 |
| Assets per employee ($millions) | 4.5283% | 3,144 |
| Cash dividends to net income (ytd only)* | 130.1551% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3499% | 1,970 |
| Loan loss allowance to noncurrent loans | 101.5342% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 2.0715% | 529 |
| Noncurrent loans to loans | 1.3295% | 1,310 |
| Net loans and leases to total assets | 58.6368% | 3,955 |
| Net loans and leases to deposits | 70.8719% | 3,805 |
| Net loans and leases to core deposits | 72.4364% | 4,021 |
| Total domestic deposits to total assets | 82.7364% | 3,651 |
| Equity capital to assets | 12.3105% | 1,632 |
| Core capital (leverage) ratio | 12.8154% | 1,216 |
| Tier 1 risk-based capital ratio | 18.3664% | 1,690 |
| Total risk-based capital ratio | 19.5280% | 1,667 |
| Memoranda: | ||
| Average total assets | $225,186,000 | 2,681 |
| Average earning assets | $214,712,800 | 2,623 |
| Average equity | $29,209,200 | 2,412 |
| Average total loans | $130,209,200 | 2,913 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2374% | 2,486 |
| Cost of funding earning assets | 0.4036% | 3,156 |
| Net interest margin | 3.8339% | 2,270 |
| Noninterest income to average assets | 0.3671% | 3,900 |
| Noninterest expense to average assets | 2.6738% | 3,147 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9246% | 2,902 |
| Return on assets (ROA) | 0.9242% | 2,965 |
| Pretax return on assets | 1.3497% | 2,285 |
| Return on Equity (ROE) | 7.0329% | 3,644 |
| Retained earnings to average equity (ytd only) | 5.8267% | 2,360 |
| Net charge-offs to loans | -0.0457% | 5,141 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4445% | 3,132 |
| Assets per employee ($millions) | 4.4986% | 3,148 |
| Cash dividends to net income (ytd only)* | 17.1503% | 3,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3746% | 2,003 |
| Loan loss allowance to noncurrent loans | 45.5702% | 4,625 |
| Noncurrent assets plus other real estate owned to assets | 2.2996% | 508 |
| Noncurrent loans to loans | 3.0164% | 422 |
| Net loans and leases to total assets | 58.2312% | 4,038 |
| Net loans and leases to deposits | 71.4229% | 3,835 |
| Net loans and leases to core deposits | 73.3636% | 4,032 |
| Total domestic deposits to total assets | 81.5301% | 3,910 |
| Equity capital to assets | 13.2748% | 1,264 |
| Core capital (leverage) ratio | 13.9586% | 902 |
| Tier 1 risk-based capital ratio | 20.1817% | 1,324 |
| Total risk-based capital ratio | 21.3952% | 1,303 |
| Memoranda: | ||
| Average total assets | $223,747,000 | 2,714 |
| Average earning assets | $213,425,750 | 2,653 |
| Average equity | $29,404,000 | 2,417 |
| Average total loans | $128,444,000 | 2,960 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1943% | 2,494 |
| Cost of funding earning assets | 0.3988% | 3,087 |
| Net interest margin | 3.7955% | 2,306 |
| Noninterest income to average assets | 0.3750% | 3,874 |
| Noninterest expense to average assets | 2.7297% | 2,981 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8657% | 3,096 |
| Return on assets (ROA) | 0.8663% | 3,148 |
| Pretax return on assets | 1.2585% | 2,540 |
| Return on Equity (ROE) | 6.6154% | 3,773 |
| Retained earnings to average equity (ytd only) | 4.7843% | 2,862 |
| Net charge-offs to loans | -0.0682% | 5,290 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4603% | 2,928 |
| Assets per employee ($millions) | 4.3435% | 3,355 |
| Cash dividends to net income (ytd only)* | 27.6795% | 2,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4612% | 1,719 |
| Loan loss allowance to noncurrent loans | 43.2690% | 4,733 |
| Noncurrent assets plus other real estate owned to assets | 2.5163% | 430 |
| Noncurrent loans to loans | 3.3770% | 355 |
| Net loans and leases to total assets | 56.6550% | 4,160 |
| Net loans and leases to deposits | 69.7666% | 3,930 |
| Net loans and leases to core deposits | 71.7793% | 4,108 |
| Total domestic deposits to total assets | 81.2065% | 4,128 |
| Equity capital to assets | 13.4896% | 1,149 |
| Core capital (leverage) ratio | 13.8070% | 909 |
| Tier 1 risk-based capital ratio | 20.9458% | 1,197 |
| Total risk-based capital ratio | 22.1959% | 1,168 |
| Memoranda: | ||
| Average total assets | $221,853,670 | 2,751 |
| Average earning assets | $211,145,330 | 2,687 |
| Average equity | $29,053,330 | 2,433 |
| Average total loans | $126,105,330 | 3,006 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0269% | 2,941 |
| Cost of funding earning assets | 0.3938% | 3,055 |
| Net interest margin | 3.6331% | 2,764 |
| Noninterest income to average assets | 0.3964% | 3,687 |
| Noninterest expense to average assets | 2.6052% | 3,481 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8774% | 2,867 |
| Return on assets (ROA) | 0.8774% | 2,923 |
| Pretax return on assets | 1.2485% | 2,419 |
| Return on Equity (ROE) | 6.8019% | 3,497 |
| Retained earnings to average equity (ytd only) | 4.9443% | 2,923 |
| Net charge-offs to loans | 0.0414% | 1,996 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 53.3077% | 863 |
| Efficiency ratio | 67.6017% | 3,268 |
| Assets per employee ($millions) | 4.4055% | 3,323 |
| Cash dividends to net income (ytd only)* | 27.3101% | 2,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4548% | 1,850 |
| Loan loss allowance to noncurrent loans | 32.4874% | 5,002 |
| Noncurrent assets plus other real estate owned to assets | 3.3007% | 272 |
| Noncurrent loans to loans | 4.4782% | 207 |
| Net loans and leases to total assets | 54.4167% | 4,307 |
| Net loans and leases to deposits | 66.4218% | 4,136 |
| Net loans and leases to core deposits | 67.7536% | 4,309 |
| Total domestic deposits to total assets | 81.9259% | 4,185 |
| Equity capital to assets | 12.9076% | 1,295 |
| Core capital (leverage) ratio | 13.5759% | 952 |
| Tier 1 risk-based capital ratio | 21.4144% | 1,161 |
| Total risk-based capital ratio | 22.6643% | 1,137 |
| Memoranda: | ||
| Average total assets | $222,021,500 | 2,774 |
| Average earning assets | $211,281,000 | 2,713 |
| Average equity | $28,639,000 | 2,471 |
| Average total loans | $125,477,000 | 3,034 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2918% | 2,165 |
| Cost of funding earning assets | 0.4055% | 2,949 |
| Net interest margin | 3.8864% | 2,009 |
| Noninterest income to average assets | 0.3861% | 3,991 |
| Noninterest expense to average assets | 2.7064% | 3,324 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9749% | 2,459 |
| Return on assets (ROA) | 1.0622% | 2,183 |
| Pretax return on assets | 1.5294% | 1,494 |
| Return on Equity (ROE) | 7.6747% | 3,130 |
| Retained earnings to average equity (ytd only) | -0.0914% | 5,321 |
| Net charge-offs to loans | 0.0975% | 2,323 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 24.1452% | 1,652 |
| Efficiency ratio | 65.8609% | 3,611 |
| Assets per employee ($millions) | 4.3012% | 3,433 |
| Cash dividends to net income (ytd only)* | 101.1910% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4328% | 1,947 |
| Loan loss allowance to noncurrent loans | 57.2598% | 4,516 |
| Noncurrent assets plus other real estate owned to assets | 2.2392% | 572 |
| Noncurrent loans to loans | 2.5023% | 628 |
| Net loans and leases to total assets | 57.0140% | 4,162 |
| Net loans and leases to deposits | 69.5462% | 3,951 |
| Net loans and leases to core deposits | 70.9717% | 4,153 |
| Total domestic deposits to total assets | 81.9800% | 4,081 |
| Equity capital to assets | 12.8906% | 1,306 |
| Core capital (leverage) ratio | 13.5781% | 943 |
| Tier 1 risk-based capital ratio | 20.4037% | 1,305 |
| Total risk-based capital ratio | 21.6535% | 1,281 |
| Memoranda: | ||
| Average total assets | $213,420,600 | 2,819 |
| Average earning assets | $204,458,200 | 2,743 |
| Average equity | $29,538,800 | 2,392 |
| Average total loans | $127,133,000 | 2,960 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3456% | 2,013 |
| Cost of funding earning assets | 0.4042% | 2,979 |
| Net interest margin | 3.9414% | 1,849 |
| Noninterest income to average assets | 0.3800% | 4,066 |
| Noninterest expense to average assets | 2.6762% | 3,409 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0081% | 2,396 |
| Return on assets (ROA) | 1.1236% | 2,014 |
| Pretax return on assets | 1.6527% | 1,240 |
| Return on Equity (ROE) | 7.9763% | 3,017 |
| Retained earnings to average equity (ytd only) | -2.2688% | 5,610 |
| Net charge-offs to loans | 0.0189% | 3,333 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 130.9413% | 521 |
| Efficiency ratio | 64.3473% | 3,879 |
| Assets per employee ($millions) | 4.1866% | 3,618 |
| Cash dividends to net income (ytd only)* | 128.4436% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5132% | 1,722 |
| Loan loss allowance to noncurrent loans | 57.4671% | 4,572 |
| Noncurrent assets plus other real estate owned to assets | 2.5235% | 538 |
| Noncurrent loans to loans | 2.6332% | 639 |
| Net loans and leases to total assets | 58.6464% | 4,032 |
| Net loans and leases to deposits | 72.5783% | 3,746 |
| Net loans and leases to core deposits | 74.2392% | 3,979 |
| Total domestic deposits to total assets | 80.8043% | 4,299 |
| Equity capital to assets | 13.7572% | 1,139 |
| Core capital (leverage) ratio | 14.0039% | 847 |
| Tier 1 risk-based capital ratio | 20.7571% | 1,311 |
| Total risk-based capital ratio | 22.0082% | 1,285 |
| Memoranda: | ||
| Average total assets | $211,935,250 | 2,848 |
| Average earning assets | $203,203,750 | 2,767 |
| Average equity | $29,854,250 | 2,377 |
| Average total loans | $127,195,000 | 2,964 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3256% | 2,073 |
| Cost of funding earning assets | 0.4056% | 2,981 |
| Net interest margin | 3.9200% | 1,914 |
| Noninterest income to average assets | 0.3879% | 3,969 |
| Noninterest expense to average assets | 2.7123% | 3,351 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9956% | 2,416 |
| Return on assets (ROA) | 1.1731% | 1,790 |
| Pretax return on assets | 1.6868% | 1,129 |
| Return on Equity (ROE) | 8.2627% | 2,855 |
| Retained earnings to average equity (ytd only) | 6.4902% | 1,877 |
| Net charge-offs to loans | 0.0299% | 2,877 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 79.7368% | 705 |
| Efficiency ratio | 65.4267% | 3,773 |
| Assets per employee ($millions) | 4.2248% | 3,514 |
| Cash dividends to net income (ytd only)* | 21.4516% | 3,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5318% | 1,748 |
| Loan loss allowance to noncurrent loans | 54.8645% | 4,696 |
| Noncurrent assets plus other real estate owned to assets | 2.6099% | 511 |
| Noncurrent loans to loans | 2.7920% | 567 |
| Net loans and leases to total assets | 58.5198% | 4,068 |
| Net loans and leases to deposits | 73.0924% | 3,695 |
| Net loans and leases to core deposits | 74.8322% | 3,923 |
| Total domestic deposits to total assets | 80.0628% | 4,523 |
| Equity capital to assets | 14.5367% | 859 |
| Core capital (leverage) ratio | 14.6157% | 693 |
| Tier 1 risk-based capital ratio | 22.3015% | 1,105 |
| Total risk-based capital ratio | 23.5532% | 1,088 |
| Memoranda: | ||
| Average total assets | $211,408,000 | 2,872 |
| Average earning assets | $202,655,330 | 2,784 |
| Average equity | $30,014,330 | 2,366 |
| Average total loans | $127,212,000 | 2,980 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3493% | 1,965 |
| Cost of funding earning assets | 0.3965% | 3,111 |
| Net interest margin | 3.9528% | 1,775 |
| Noninterest income to average assets | 0.3839% | 3,957 |
| Noninterest expense to average assets | 2.5589% | 3,882 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1670% | 1,655 |
| Return on assets (ROA) | 1.5320% | 847 |
| Pretax return on assets | 2.1221% | 442 |
| Return on Equity (ROE) | 10.9209% | 1,624 |
| Retained earnings to average equity (ytd only) | 9.1277% | 1,072 |
| Net charge-offs to loans | 0.0219% | 2,493 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 122.0000% | 465 |
| Efficiency ratio | 61.3049% | 4,556 |
| Assets per employee ($millions) | 4.4487% | 3,165 |
| Cash dividends to net income (ytd only)* | 16.4198% | 2,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5254% | 1,880 |
| Loan loss allowance to noncurrent loans | 52.4532% | 4,767 |
| Noncurrent assets plus other real estate owned to assets | 2.7998% | 480 |
| Noncurrent loans to loans | 2.9082% | 578 |
| Net loans and leases to total assets | 59.7418% | 3,813 |
| Net loans and leases to deposits | 74.5158% | 3,373 |
| Net loans and leases to core deposits | 76.5675% | 3,628 |
| Total domestic deposits to total assets | 80.1734% | 4,703 |
| Equity capital to assets | 14.4255% | 851 |
| Core capital (leverage) ratio | 14.6361% | 675 |
| Tier 1 risk-based capital ratio | 22.1633% | 1,141 |
| Total risk-based capital ratio | 23.4150% | 1,121 |
| Memoranda: | ||
| Average total assets | $211,493,000 | 2,881 |
| Average earning assets | $202,791,000 | 2,793 |
| Average equity | $29,668,000 | 2,393 |
| Average total loans | $128,048,500 | 2,962 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5597% | 1,435 |
| Cost of funding earning assets | 0.4194% | 2,946 |
| Net interest margin | 4.1404% | 1,307 |
| Noninterest income to average assets | 0.3971% | 4,053 |
| Noninterest expense to average assets | 2.7721% | 3,345 |
| Loan and lease loss provision to assets | 0.0483% | 3,364 |
| Net operating income to assets | 1.0468% | 2,137 |
| Return on assets (ROA) | 1.1081% | 1,950 |
| Pretax return on assets | 1.6046% | 1,235 |
| Return on Equity (ROE) | 7.8976% | 3,008 |
| Retained earnings to average equity (ytd only) | 0.9399% | 5,143 |
| Net charge-offs to loans | 0.1585% | 1,791 |
| Credit loss provision to net charge-offs | 49.7512% | 3,408 |
| Earnings coverage of net charge-offs (x) | 16.1095% | 2,156 |
| Efficiency ratio | 63.9300% | 4,276 |
| Assets per employee ($millions) | 4.4562% | 3,110 |
| Cash dividends to net income (ytd only)* | 88.0994% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5025% | 1,990 |
| Loan loss allowance to noncurrent loans | 52.5291% | 4,812 |
| Noncurrent assets plus other real estate owned to assets | 2.7588% | 519 |
| Noncurrent loans to loans | 2.8604% | 586 |
| Net loans and leases to total assets | 59.5176% | 3,900 |
| Net loans and leases to deposits | 73.2943% | 3,577 |
| Net loans and leases to core deposits | 75.2517% | 3,825 |
| Total domestic deposits to total assets | 81.2037% | 4,426 |
| Equity capital to assets | 13.6392% | 1,065 |
| Core capital (leverage) ratio | 14.0298% | 809 |
| Tier 1 risk-based capital ratio | 21.9046% | 1,164 |
| Total risk-based capital ratio | 23.1566% | 1,142 |
| Memoranda: | ||
| Average total assets | $207,024,800 | 2,880 |
| Average earning assets | $196,963,000 | 2,811 |
| Average equity | $29,046,800 | 2,393 |
| Average total loans | $126,796,800 | 2,940 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5937% | 1,346 |
| Cost of funding earning assets | 0.4228% | 2,982 |
| Net interest margin | 4.1709% | 1,232 |
| Noninterest income to average assets | 0.4007% | 4,081 |
| Noninterest expense to average assets | 2.7535% | 3,369 |
| Loan and lease loss provision to assets | 0.0325% | 3,585 |
| Net operating income to assets | 1.0882% | 2,063 |
| Return on assets (ROA) | 1.0878% | 2,146 |
| Pretax return on assets | 1.5735% | 1,460 |
| Return on Equity (ROE) | 7.6970% | 3,232 |
| Retained earnings to average equity (ytd only) | -1.5899% | 5,812 |
| Net charge-offs to loans | 0.1014% | 2,130 |
| Credit loss provision to net charge-offs | 52.0833% | 3,015 |
| Earnings coverage of net charge-offs (x) | 25.7702% | 1,647 |
| Efficiency ratio | 63.1516% | 4,384 |
| Assets per employee ($millions) | 4.2857% | 3,341 |
| Cash dividends to net income (ytd only)* | 120.6566% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5803% | 1,854 |
| Loan loss allowance to noncurrent loans | 59.8801% | 4,696 |
| Noncurrent assets plus other real estate owned to assets | 2.7723% | 581 |
| Noncurrent loans to loans | 2.6391% | 742 |
| Net loans and leases to total assets | 60.4593% | 3,817 |
| Net loans and leases to deposits | 75.1443% | 3,412 |
| Net loans and leases to core deposits | 76.9581% | 3,696 |
| Total domestic deposits to total assets | 80.4576% | 4,620 |
| Equity capital to assets | 13.8995% | 1,066 |
| Core capital (leverage) ratio | 14.2444% | 800 |
| Tier 1 risk-based capital ratio | 21.1880% | 1,313 |
| Total risk-based capital ratio | 22.4402% | 1,298 |
| Memoranda: | ||
| Average total assets | $205,306,500 | 2,921 |
| Average earning assets | $194,901,250 | 2,855 |
| Average equity | $29,015,000 | 2,403 |
| Average total loans | $126,183,750 | 2,972 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4243% | 1,776 |
| Cost of funding earning assets | 0.4212% | 3,030 |
| Net interest margin | 4.0032% | 1,629 |
| Noninterest income to average assets | 0.4075% | 4,031 |
| Noninterest expense to average assets | 2.7021% | 3,586 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0203% | 2,290 |
| Return on assets (ROA) | 1.0196% | 2,404 |
| Pretax return on assets | 1.5031% | 1,645 |
| Return on Equity (ROE) | 7.1753% | 3,507 |
| Retained earnings to average equity (ytd only) | 5.3506% | 2,640 |
| Net charge-offs to loans | 0.0840% | 2,202 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 29.1132% | 1,388 |
| Efficiency ratio | 64.2410% | 4,316 |
| Assets per employee ($millions) | 4.2938% | 3,315 |
| Cash dividends to net income (ytd only)* | 25.4302% | 2,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5701% | 2,011 |
| Loan loss allowance to noncurrent loans | 52.2173% | 4,927 |
| Noncurrent assets plus other real estate owned to assets | 3.0480% | 544 |
| Noncurrent loans to loans | 3.0069% | 659 |
| Net loans and leases to total assets | 60.5291% | 3,752 |
| Net loans and leases to deposits | 75.4991% | 3,318 |
| Net loans and leases to core deposits | 77.3232% | 3,640 |
| Total domestic deposits to total assets | 80.1719% | 4,824 |
| Equity capital to assets | 14.1877% | 919 |
| Core capital (leverage) ratio | 14.6465% | 679 |
| Tier 1 risk-based capital ratio | 22.2991% | 1,161 |
| Total risk-based capital ratio | 23.5515% | 1,142 |
| Memoranda: | ||
| Average total assets | $205,171,330 | 2,943 |
| Average earning assets | $194,695,670 | 2,883 |
| Average equity | $29,155,670 | 2,405 |
| Average total loans | $126,122,000 | 2,980 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3836% | 1,824 |
| Cost of funding earning assets | 0.4210% | 3,060 |
| Net interest margin | 3.9626% | 1,680 |
| Noninterest income to average assets | 0.3947% | 4,051 |
| Noninterest expense to average assets | 2.8196% | 3,179 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9432% | 2,543 |
| Return on assets (ROA) | 0.9418% | 2,683 |
| Pretax return on assets | 1.3248% | 2,180 |
| Return on Equity (ROE) | 6.6225% | 3,695 |
| Retained earnings to average equity (ytd only) | 4.7951% | 3,176 |
| Net charge-offs to loans | 0.0032% | 3,210 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 679.0000% | 69 |
| Efficiency ratio | 68.0019% | 3,826 |
| Assets per employee ($millions) | 4.3379% | 3,313 |
| Cash dividends to net income (ytd only)* | 27.5934% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6154% | 1,994 |
| Loan loss allowance to noncurrent loans | 54.4098% | 4,892 |
| Noncurrent assets plus other real estate owned to assets | 3.0420% | 616 |
| Noncurrent loans to loans | 2.9690% | 740 |
| Net loans and leases to total assets | 59.7270% | 3,693 |
| Net loans and leases to deposits | 74.2342% | 3,282 |
| Net loans and leases to core deposits | 76.0407% | 3,591 |
| Total domestic deposits to total assets | 80.4576% | 4,941 |
| Equity capital to assets | 14.1222% | 946 |
| Core capital (leverage) ratio | 14.5811% | 673 |
| Tier 1 risk-based capital ratio | 22.3195% | 1,196 |
| Total risk-based capital ratio | 23.5724% | 1,179 |
| Memoranda: | ||
| Average total assets | $204,706,500 | 2,960 |
| Average earning assets | $193,811,500 | 2,909 |
| Average equity | $29,113,000 | 2,421 |
| Average total loans | $125,812,500 | 2,987 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5580% | 1,672 |
| Cost of funding earning assets | 0.4423% | 3,250 |
| Net interest margin | 4.1157% | 1,529 |
| Noninterest income to average assets | 0.4333% | 3,945 |
| Noninterest expense to average assets | 2.7946% | 3,501 |
| Loan and lease loss provision to assets | 0.1091% | 2,338 |
| Net operating income to assets | 1.0136% | 2,323 |
| Return on assets (ROA) | 1.0111% | 2,411 |
| Pretax return on assets | 1.4043% | 1,871 |
| Return on Equity (ROE) | 7.2035% | 3,514 |
| Retained earnings to average equity (ytd only) | 0.8376% | 5,393 |
| Net charge-offs to loans | 0.1986% | 2,077 |
| Credit loss provision to net charge-offs | 90.0826% | 2,650 |
| Earnings coverage of net charge-offs (x) | 12.5289% | 2,361 |
| Efficiency ratio | 64.8178% | 4,434 |
| Assets per employee ($millions) | 4.1060% | 3,713 |
| Cash dividends to net income (ytd only)* | 88.3721% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6315% | 1,985 |
| Loan loss allowance to noncurrent loans | 45.3194% | 5,241 |
| Noncurrent assets plus other real estate owned to assets | 3.5826% | 514 |
| Noncurrent loans to loans | 3.6001% | 560 |
| Net loans and leases to total assets | 61.2230% | 3,608 |
| Net loans and leases to deposits | 76.2999% | 3,171 |
| Net loans and leases to core deposits | 78.6069% | 3,453 |
| Total domestic deposits to total assets | 80.2400% | 4,955 |
| Equity capital to assets | 14.3250% | 866 |
| Core capital (leverage) ratio | 15.1852% | 578 |
| Tier 1 risk-based capital ratio | 22.6429% | 1,127 |
| Total risk-based capital ratio | 23.8969% | 1,112 |
| Memoranda: | ||
| Average total assets | $199,882,400 | 3,001 |
| Average earning assets | $188,351,600 | 2,932 |
| Average equity | $28,055,800 | 2,407 |
| Average total loans | $121,824,200 | 3,005 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5571% | 1,679 |
| Cost of funding earning assets | 0.4445% | 3,317 |
| Net interest margin | 4.1126% | 1,538 |
| Noninterest income to average assets | 0.4263% | 4,052 |
| Noninterest expense to average assets | 2.8656% | 3,242 |
| Loan and lease loss provision to assets | 0.0568% | 3,234 |
| Net operating income to assets | 0.9910% | 2,492 |
| Return on assets (ROA) | 0.9828% | 2,593 |
| Pretax return on assets | 1.3683% | 2,122 |
| Return on Equity (ROE) | 7.0386% | 3,697 |
| Retained earnings to average equity (ytd only) | 5.1342% | 2,997 |
| Net charge-offs to loans | 0.2171% | 1,736 |
| Credit loss provision to net charge-offs | 43.1472% | 3,236 |
| Earnings coverage of net charge-offs (x) | 10.9137% | 2,489 |
| Efficiency ratio | 66.6097% | 4,115 |
| Assets per employee ($millions) | 3.9079% | 4,070 |
| Cash dividends to net income (ytd only)* | 27.0563% | 2,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5985% | 2,309 |
| Loan loss allowance to noncurrent loans | 43.3001% | 5,349 |
| Noncurrent assets plus other real estate owned to assets | 4.0363% | 483 |
| Noncurrent loans to loans | 3.6917% | 619 |
| Net loans and leases to total assets | 62.8490% | 3,366 |
| Net loans and leases to deposits | 79.7586% | 2,726 |
| Net loans and leases to core deposits | 82.6514% | 3,043 |
| Total domestic deposits to total assets | 78.7990% | 5,369 |
| Equity capital to assets | 15.2549% | 683 |
| Core capital (leverage) ratio | 15.5687% | 531 |
| Tier 1 risk-based capital ratio | 24.0223% | 987 |
| Total risk-based capital ratio | 25.2762% | 968 |
| Memoranda: | ||
| Average total assets | $199,554,500 | 3,024 |
| Average earning assets | $188,067,500 | 2,960 |
| Average equity | $27,864,500 | 2,429 |
| Average total loans | $120,975,250 | 3,037 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4940% | 1,848 |
| Cost of funding earning assets | 0.4414% | 3,422 |
| Net interest margin | 4.0526% | 1,654 |
| Noninterest income to average assets | 0.4193% | 4,101 |
| Noninterest expense to average assets | 2.8708% | 3,264 |
| Loan and lease loss provision to assets | 0.0593% | 3,085 |
| Net operating income to assets | 0.9327% | 2,636 |
| Return on assets (ROA) | 0.9187% | 2,813 |
| Pretax return on assets | 1.2915% | 2,283 |
| Return on Equity (ROE) | 6.7771% | 3,728 |
| Retained earnings to average equity (ytd only) | 4.8366% | 3,066 |
| Net charge-offs to loans | 0.2539% | 1,539 |
| Credit loss provision to net charge-offs | 39.2157% | 2,940 |
| Earnings coverage of net charge-offs (x) | 9.0588% | 2,403 |
| Efficiency ratio | 67.6848% | 4,066 |
| Assets per employee ($millions) | 3.9054% | 4,047 |
| Cash dividends to net income (ytd only)* | 28.6329% | 2,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6534% | 2,280 |
| Loan loss allowance to noncurrent loans | 64.2160% | 4,681 |
| Noncurrent assets plus other real estate owned to assets | 3.2713% | 742 |
| Noncurrent loans to loans | 2.5748% | 1,198 |
| Net loans and leases to total assets | 60.1295% | 3,696 |
| Net loans and leases to deposits | 75.5004% | 3,122 |
| Net loans and leases to core deposits | 78.8810% | 3,332 |
| Total domestic deposits to total assets | 79.6412% | 5,319 |
| Equity capital to assets | 14.6099% | 793 |
| Core capital (leverage) ratio | 15.0751% | 598 |
| Tier 1 risk-based capital ratio | 24.1208% | 967 |
| Total risk-based capital ratio | 25.3752% | 947 |
| Memoranda: | ||
| Average total assets | $202,244,000 | 3,006 |
| Average earning assets | $190,741,670 | 2,940 |
| Average equity | $27,415,670 | 2,447 |
| Average total loans | $120,533,000 | 3,049 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4176% | 2,070 |
| Cost of funding earning assets | 0.4381% | 3,559 |
| Net interest margin | 3.9796% | 1,831 |
| Noninterest income to average assets | 0.4064% | 4,130 |
| Noninterest expense to average assets | 2.8989% | 3,221 |
| Loan and lease loss provision to assets | 0.1167% | 2,019 |
| Net operating income to assets | 0.8549% | 2,874 |
| Return on assets (ROA) | 0.8477% | 2,979 |
| Pretax return on assets | 1.1432% | 2,724 |
| Return on Equity (ROE) | 6.4932% | 3,751 |
| Retained earnings to average equity (ytd only) | 4.5125% | 3,411 |
| Net charge-offs to loans | 0.0925% | 2,235 |
| Credit loss provision to net charge-offs | 214.2857% | 985 |
| Earnings coverage of net charge-offs (x) | 23.3214% | 1,216 |
| Efficiency ratio | 69.5429% | 3,904 |
| Assets per employee ($millions) | 4.0899% | 3,737 |
| Cash dividends to net income (ytd only)* | 30.5046% | 2,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7445% | 2,209 |
| Loan loss allowance to noncurrent loans | 59.5461% | 4,865 |
| Noncurrent assets plus other real estate owned to assets | 3.0685% | 919 |
| Noncurrent loans to loans | 2.9297% | 1,104 |
| Net loans and leases to total assets | 57.8102% | 3,869 |
| Net loans and leases to deposits | 71.2549% | 3,437 |
| Net loans and leases to core deposits | 74.4701% | 3,595 |
| Total domestic deposits to total assets | 81.1316% | 5,197 |
| Equity capital to assets | 13.4424% | 1,119 |
| Core capital (leverage) ratio | 14.0543% | 806 |
| Tier 1 risk-based capital ratio | 24.1106% | 986 |
| Total risk-based capital ratio | 25.3667% | 969 |
| Memoranda: | ||
| Average total assets | $205,730,000 | 2,987 |
| Average earning assets | $194,494,000 | 2,913 |
| Average equity | $26,859,000 | 2,478 |
| Average total loans | $121,104,500 | 3,051 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4150% | 2,533 |
| Cost of funding earning assets | 0.4759% | 3,855 |
| Net interest margin | 3.9391% | 2,141 |
| Noninterest income to average assets | 0.3741% | 4,637 |
| Noninterest expense to average assets | 2.7209% | 4,022 |
| Loan and lease loss provision to assets | 0.3529% | 894 |
| Net operating income to assets | 0.7179% | 3,704 |
| Return on assets (ROA) | 0.8610% | 3,058 |
| Pretax return on assets | 1.2240% | 2,485 |
| Return on Equity (ROE) | 6.6225% | 3,762 |
| Retained earnings to average equity (ytd only) | 4.1604% | 3,211 |
| Net charge-offs to loans | 0.5144% | 1,281 |
| Credit loss provision to net charge-offs | 115.0943% | 2,100 |
| Earnings coverage of net charge-offs (x) | 4.4764% | 3,556 |
| Efficiency ratio | 66.4704% | 4,477 |
| Assets per employee ($millions) | 4.2238% | 3,406 |
| Cash dividends to net income (ytd only)* | 37.1781% | 2,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6958% | 2,417 |
| Loan loss allowance to noncurrent loans | 54.6536% | 5,062 |
| Noncurrent assets plus other real estate owned to assets | 3.2609% | 931 |
| Noncurrent loans to loans | 3.1028% | 1,107 |
| Net loans and leases to total assets | 57.8958% | 4,051 |
| Net loans and leases to deposits | 70.4814% | 3,723 |
| Net loans and leases to core deposits | 76.4603% | 3,562 |
| Total domestic deposits to total assets | 82.1434% | 4,824 |
| Equity capital to assets | 12.6732% | 1,434 |
| Core capital (leverage) ratio | 14.2072% | 770 |
| Tier 1 risk-based capital ratio | 23.2489% | 1,063 |
| Total risk-based capital ratio | 24.5038% | 1,038 |
| Memoranda: | ||
| Average total assets | $207,433,600 | 2,943 |
| Average earning assets | $195,854,600 | 2,879 |
| Average equity | $26,968,800 | 2,459 |
| Average total loans | $123,639,400 | 2,965 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4102% | 2,563 |
| Cost of funding earning assets | 0.4825% | 3,939 |
| Net interest margin | 3.9277% | 2,177 |
| Noninterest income to average assets | 0.3668% | 4,766 |
| Noninterest expense to average assets | 2.7289% | 3,906 |
| Loan and lease loss provision to assets | 0.3418% | 949 |
| Net operating income to assets | 0.7023% | 3,847 |
| Return on assets (ROA) | 0.8929% | 2,986 |
| Pretax return on assets | 1.2758% | 2,426 |
| Return on Equity (ROE) | 6.8252% | 3,751 |
| Retained earnings to average equity (ytd only) | 5.5191% | 2,713 |
| Net charge-offs to loans | 0.4298% | 1,491 |
| Credit loss provision to net charge-offs | 133.0000% | 1,775 |
| Earnings coverage of net charge-offs (x) | 5.2350% | 3,248 |
| Efficiency ratio | 66.9820% | 4,305 |
| Assets per employee ($millions) | 4.1479% | 3,534 |
| Cash dividends to net income (ytd only)* | 19.1368% | 3,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7440% | 2,476 |
| Loan loss allowance to noncurrent loans | 50.9942% | 5,185 |
| Noncurrent assets plus other real estate owned to assets | 3.6630% | 904 |
| Noncurrent loans to loans | 3.4200% | 1,131 |
| Net loans and leases to total assets | 58.2949% | 3,962 |
| Net loans and leases to deposits | 71.4509% | 3,579 |
| Net loans and leases to core deposits | 80.8944% | 3,017 |
| Total domestic deposits to total assets | 81.5873% | 5,058 |
| Equity capital to assets | 12.7973% | 1,423 |
| Core capital (leverage) ratio | 14.1752% | 828 |
| Tier 1 risk-based capital ratio | 23.4058% | 1,081 |
| Total risk-based capital ratio | 24.6610% | 1,061 |
| Memoranda: | ||
| Average total assets | $207,550,750 | 2,955 |
| Average earning assets | $195,903,500 | 2,900 |
| Average equity | $27,153,750 | 2,466 |
| Average total loans | $124,076,500 | 2,974 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4031% | 2,553 |
| Cost of funding earning assets | 0.4834% | 4,051 |
| Net interest margin | 3.9197% | 2,149 |
| Noninterest income to average assets | 0.3378% | 4,971 |
| Noninterest expense to average assets | 2.7303% | 3,927 |
| Loan and lease loss provision to assets | 0.3254% | 1,065 |
| Net operating income to assets | 0.7079% | 3,768 |
| Return on assets (ROA) | 1.0001% | 2,467 |
| Pretax return on assets | 1.3972% | 1,939 |
| Return on Equity (ROE) | 7.5903% | 3,298 |
| Retained earnings to average equity (ytd only) | 6.6243% | 2,077 |
| Net charge-offs to loans | 0.1709% | 2,755 |
| Credit loss provision to net charge-offs | 317.7570% | 815 |
| Earnings coverage of net charge-offs (x) | 12.8598% | 1,948 |
| Efficiency ratio | 67.4628% | 4,270 |
| Assets per employee ($millions) | 4.1994% | 3,360 |
| Cash dividends to net income (ytd only)* | 12.7273% | 3,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7616% | 2,561 |
| Loan loss allowance to noncurrent loans | 51.8222% | 5,121 |
| Noncurrent assets plus other real estate owned to assets | 3.5534% | 1,065 |
| Noncurrent loans to loans | 3.3992% | 1,256 |
| Net loans and leases to total assets | 59.7326% | 3,706 |
| Net loans and leases to deposits | 73.0690% | 3,289 |
| Net loans and leases to core deposits | 84.7010% | 2,466 |
| Total domestic deposits to total assets | 81.7482% | 5,131 |
| Equity capital to assets | 12.8871% | 1,389 |
| Core capital (leverage) ratio | 13.9615% | 833 |
| Tier 1 risk-based capital ratio | 22.6215% | 1,191 |
| Total risk-based capital ratio | 23.8771% | 1,172 |
| Memoranda: | ||
| Average total assets | $208,985,670 | 2,962 |
| Average earning assets | $197,769,330 | 2,894 |
| Average equity | $27,535,000 | 2,449 |
| Average total loans | $125,240,330 | 2,967 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2532% | 3,089 |
| Cost of funding earning assets | 0.4873% | 4,205 |
| Net interest margin | 3.7660% | 2,586 |
| Noninterest income to average assets | 0.3077% | 5,224 |
| Noninterest expense to average assets | 2.7541% | 3,856 |
| Loan and lease loss provision to assets | 0.4046% | 761 |
| Net operating income to assets | 0.6104% | 4,168 |
| Return on assets (ROA) | 1.2213% | 1,578 |
| Pretax return on assets | 1.4265% | 1,780 |
| Return on Equity (ROE) | 9.1715% | 2,405 |
| Retained earnings to average equity (ytd only) | 9.1715% | 1,326 |
| Net charge-offs to loans | 0.3065% | 1,736 |
| Credit loss provision to net charge-offs | 221.8750% | 1,012 |
| Earnings coverage of net charge-offs (x) | 6.1458% | 2,265 |
| Efficiency ratio | 71.0784% | 3,777 |
| Assets per employee ($millions) | 4.3217% | 3,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6702% | 3,130 |
| Loan loss allowance to noncurrent loans | 41.2567% | 5,551 |
| Noncurrent assets plus other real estate owned to assets | 3.9304% | 1,032 |
| Noncurrent loans to loans | 4.0483% | 1,112 |
| Net loans and leases to total assets | 58.0499% | 3,777 |
| Net loans and leases to deposits | 71.0417% | 3,321 |
| Net loans and leases to core deposits | 81.8199% | 2,594 |
| Total domestic deposits to total assets | 81.7124% | 5,294 |
| Equity capital to assets | 13.2097% | 1,333 |
| Core capital (leverage) ratio | 13.7635% | 861 |
| Tier 1 risk-based capital ratio | 22.6288% | 1,215 |
| Total risk-based capital ratio | 23.8839% | 1,197 |
| Memoranda: | ||
| Average total assets | $210,592,500 | 2,975 |
| Average earning assets | $199,471,500 | 2,908 |
| Average equity | $28,043,500 | 2,440 |
| Average total loans | $125,302,000 | 2,981 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5262% | 3,294 |
| Cost of funding earning assets | 0.6735% | 3,704 |
| Net interest margin | 3.8527% | 3,012 |
| Noninterest income to average assets | 0.2054% | 5,944 |
| Noninterest expense to average assets | 2.6399% | 4,604 |
| Loan and lease loss provision to assets | 0.9415% | 457 |
| Net operating income to assets | 0.1960% | 5,794 |
| Return on assets (ROA) | 0.7015% | 3,984 |
| Pretax return on assets | 0.8912% | 3,951 |
| Return on Equity (ROE) | 5.3054% | 4,531 |
| Retained earnings to average equity (ytd only) | 4.8284% | 2,825 |
| Net charge-offs to loans | 2.0775% | 348 |
| Credit loss provision to net charge-offs | 73.0316% | 4,069 |
| Earnings coverage of net charge-offs (x) | 0.9253% | 5,004 |
| Efficiency ratio | 68.8776% | 3,992 |
| Assets per employee ($millions) | 4.2740% | 3,408 |
| Cash dividends to net income (ytd only)* | 8.9926% | 4,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5694% | 3,444 |
| Loan loss allowance to noncurrent loans | 36.7518% | 5,786 |
| Noncurrent assets plus other real estate owned to assets | 4.0120% | 1,065 |
| Noncurrent loans to loans | 4.2703% | 1,039 |
| Net loans and leases to total assets | 59.0276% | 3,791 |
| Net loans and leases to deposits | 72.4204% | 3,344 |
| Net loans and leases to core deposits | 81.4375% | 2,831 |
| Total domestic deposits to total assets | 81.5069% | 5,258 |
| Equity capital to assets | 13.4244% | 1,259 |
| Core capital (leverage) ratio | 13.8122% | 853 |
| Tier 1 risk-based capital ratio | 22.0318% | 1,258 |
| Total risk-based capital ratio | 23.2858% | 1,226 |
| Memoranda: | ||
| Average total assets | $210,844,400 | 2,914 |
| Average earning assets | $198,510,400 | 2,862 |
| Average equity | $27,877,000 | 2,405 |
| Average total loans | $130,828,000 | 2,875 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5658% | 3,353 |
| Cost of funding earning assets | 0.7178% | 3,614 |
| Net interest margin | 3.8481% | 3,130 |
| Noninterest income to average assets | 0.1231% | 6,517 |
| Noninterest expense to average assets | 2.6641% | 4,518 |
| Loan and lease loss provision to assets | 0.8586% | 535 |
| Net operating income to assets | 0.1757% | 5,975 |
| Return on assets (ROA) | 0.7771% | 3,813 |
| Pretax return on assets | 0.9798% | 3,791 |
| Return on Equity (ROE) | 5.9002% | 4,381 |
| Retained earnings to average equity (ytd only) | 5.9002% | 2,762 |
| Net charge-offs to loans | 1.7123% | 474 |
| Credit loss provision to net charge-offs | 80.1414% | 3,610 |
| Earnings coverage of net charge-offs (x) | 1.0053% | 4,817 |
| Efficiency ratio | 71.2116% | 3,467 |
| Assets per employee ($millions) | 4.1404% | 3,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8446% | 2,661 |
| Loan loss allowance to noncurrent loans | 41.8346% | 5,551 |
| Noncurrent assets plus other real estate owned to assets | 4.5189% | 1,022 |
| Noncurrent loans to loans | 4.4094% | 1,084 |
| Net loans and leases to total assets | 62.0818% | 3,361 |
| Net loans and leases to deposits | 77.0507% | 2,803 |
| Net loans and leases to core deposits | 86.8484% | 2,358 |
| Total domestic deposits to total assets | 80.5727% | 5,489 |
| Equity capital to assets | 13.9458% | 1,180 |
| Core capital (leverage) ratio | 13.6374% | 967 |
| Tier 1 risk-based capital ratio | 21.5416% | 1,415 |
| Total risk-based capital ratio | 22.7989% | 1,386 |
| Memoranda: | ||
| Average total assets | $211,199,500 | 2,942 |
| Average earning assets | $198,571,500 | 2,880 |
| Average equity | $27,817,750 | 2,428 |
| Average total loans | $132,137,750 | 2,872 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5020% | 3,758 |
| Cost of funding earning assets | 0.7696% | 3,446 |
| Net interest margin | 3.7324% | 3,673 |
| Noninterest income to average assets | 0.3103% | 5,333 |
| Noninterest expense to average assets | 2.5059% | 5,113 |
| Loan and lease loss provision to assets | 0.8132% | 612 |
| Net operating income to assets | 0.3803% | 5,295 |
| Return on assets (ROA) | 1.0525% | 2,467 |
| Pretax return on assets | 1.3525% | 2,384 |
| Return on Equity (ROE) | 8.1419% | 3,199 |
| Retained earnings to average equity (ytd only) | 8.1419% | 1,590 |
| Net charge-offs to loans | 1.8484% | 478 |
| Credit loss provision to net charge-offs | 70.5596% | 3,544 |
| Earnings coverage of net charge-offs (x) | 1.1314% | 4,448 |
| Efficiency ratio | 65.7753% | 4,572 |
| Assets per employee ($millions) | 4.3038% | 3,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7922% | 2,879 |
| Loan loss allowance to noncurrent loans | 32.8101% | 6,029 |
| Noncurrent assets plus other real estate owned to assets | 5.4190% | 833 |
| Noncurrent loans to loans | 5.4622% | 855 |
| Net loans and leases to total assets | 60.8299% | 3,657 |
| Net loans and leases to deposits | 74.6961% | 3,171 |
| Net loans and leases to core deposits | 87.6795% | 2,241 |
| Total domestic deposits to total assets | 81.4366% | 5,318 |
| Equity capital to assets | 13.3569% | 1,365 |
| Core capital (leverage) ratio | 13.2466% | 1,072 |
| Tier 1 risk-based capital ratio | 20.9186% | 1,497 |
| Total risk-based capital ratio | 22.1749% | 1,467 |
| Memoranda: | ||
| Average total assets | $213,973,000 | 2,935 |
| Average earning assets | $200,620,000 | 2,862 |
| Average equity | $27,659,330 | 2,431 |
| Average total loans | $133,411,000 | 2,867 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4009% | 4,330 |
| Cost of funding earning assets | 0.8356% | 3,181 |
| Net interest margin | 3.5653% | 4,419 |
| Noninterest income to average assets | 0.3656% | 4,945 |
| Noninterest expense to average assets | 2.6021% | 4,807 |
| Loan and lease loss provision to assets | 0.7610% | 664 |
| Net operating income to assets | 0.2967% | 5,670 |
| Return on assets (ROA) | 0.5308% | 4,893 |
| Pretax return on assets | 0.6422% | 4,966 |
| Return on Equity (ROE) | 4.1744% | 5,214 |
| Retained earnings to average equity (ytd only) | 4.1744% | 4,089 |
| Net charge-offs to loans | 1.6439% | 592 |
| Credit loss provision to net charge-offs | 74.0072% | 2,845 |
| Earnings coverage of net charge-offs (x) | 1.0903% | 3,788 |
| Efficiency ratio | 69.8903% | 3,838 |
| Assets per employee ($millions) | 4.2625% | 3,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9070% | 2,656 |
| Loan loss allowance to noncurrent loans | 27.8564% | 6,267 |
| Noncurrent assets plus other real estate owned to assets | 5.6591% | 857 |
| Noncurrent loans to loans | 6.8459% | 667 |
| Net loans and leases to total assets | 61.7856% | 3,299 |
| Net loans and leases to deposits | 75.3823% | 2,910 |
| Net loans and leases to core deposits | 89.5265% | 1,898 |
| Total domestic deposits to total assets | 81.9631% | 5,311 |
| Equity capital to assets | 12.8840% | 1,494 |
| Core capital (leverage) ratio | 12.4858% | 1,347 |
| Tier 1 risk-based capital ratio | 20.1210% | 1,678 |
| Total risk-based capital ratio | 21.3789% | 1,651 |
| Memoranda: | ||
| Average total assets | $215,515,500 | 2,941 |
| Average earning assets | $202,956,500 | 2,862 |
| Average equity | $27,405,000 | 2,442 |
| Average total loans | $134,804,500 | 2,856 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6607% | 4,417 |
| Cost of funding earning assets | 1.0257% | 3,192 |
| Net interest margin | 3.6350% | 4,592 |
| Noninterest income to average assets | 0.3774% | 4,808 |
| Noninterest expense to average assets | 2.4419% | 5,657 |
| Loan and lease loss provision to assets | 1.3589% | 582 |
| Net operating income to assets | -0.0178% | 6,068 |
| Return on assets (ROA) | 0.0687% | 6,042 |
| Pretax return on assets | 0.1370% | 5,907 |
| Return on Equity (ROE) | 0.5635% | 6,046 |
| Retained earnings to average equity (ytd only) | 0.5635% | 5,581 |
| Net charge-offs to loans | 2.2903% | 548 |
| Credit loss provision to net charge-offs | 93.3688% | 3,860 |
| Earnings coverage of net charge-offs (x) | 0.9349% | 5,104 |
| Efficiency ratio | 64.2164% | 5,091 |
| Assets per employee ($millions) | 4.2727% | 3,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9975% | 2,289 |
| Loan loss allowance to noncurrent loans | 27.3021% | 6,332 |
| Noncurrent assets plus other real estate owned to assets | 5.6588% | 895 |
| Noncurrent loans to loans | 7.3163% | 592 |
| Net loans and leases to total assets | 60.8815% | 3,813 |
| Net loans and leases to deposits | 73.8299% | 3,529 |
| Net loans and leases to core deposits | 86.3778% | 2,587 |
| Total domestic deposits to total assets | 82.4618% | 4,977 |
| Equity capital to assets | 12.5517% | 1,771 |
| Core capital (leverage) ratio | 12.5973% | 1,309 |
| Tier 1 risk-based capital ratio | 20.1058% | 1,615 |
| Total risk-based capital ratio | 21.3657% | 1,580 |
| Memoranda: | ||
| Average total assets | $219,664,000 | 2,841 |
| Average earning assets | $206,986,600 | 2,764 |
| Average equity | $26,797,200 | 2,410 |
| Average total loans | $139,588,000 | 2,796 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6790% | 4,551 |
| Cost of funding earning assets | 1.0680% | 3,187 |
| Net interest margin | 3.6111% | 4,720 |
| Noninterest income to average assets | 0.2902% | 5,537 |
| Noninterest expense to average assets | 2.5060% | 5,442 |
| Loan and lease loss provision to assets | 1.0995% | 748 |
| Net operating income to assets | 0.0700% | 6,025 |
| Return on assets (ROA) | 0.2193% | 5,783 |
| Pretax return on assets | 0.2647% | 5,781 |
| Return on Equity (ROE) | 1.8105% | 5,836 |
| Retained earnings to average equity (ytd only) | 1.8105% | 5,230 |
| Net charge-offs to loans | 2.0904% | 593 |
| Credit loss provision to net charge-offs | 82.3129% | 4,063 |
| Earnings coverage of net charge-offs (x) | 0.8866% | 4,956 |
| Efficiency ratio | 67.9087% | 4,342 |
| Assets per employee ($millions) | 4.1143% | 3,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8341% | 2,820 |
| Loan loss allowance to noncurrent loans | 24.4341% | 6,516 |
| Noncurrent assets plus other real estate owned to assets | 5.9548% | 898 |
| Noncurrent loans to loans | 7.5062% | 628 |
| Net loans and leases to total assets | 63.1935% | 3,477 |
| Net loans and leases to deposits | 77.2995% | 3,121 |
| Net loans and leases to core deposits | 94.2857% | 1,768 |
| Total domestic deposits to total assets | 81.7515% | 5,179 |
| Equity capital to assets | 12.9355% | 1,647 |
| Core capital (leverage) ratio | 12.6560% | 1,370 |
| Tier 1 risk-based capital ratio | 19.6468% | 1,773 |
| Total risk-based capital ratio | 20.9040% | 1,743 |
| Memoranda: | ||
| Average total assets | $220,103,250 | 2,839 |
| Average earning assets | $207,245,250 | 2,764 |
| Average equity | $26,658,750 | 2,430 |
| Average total loans | $140,642,750 | 2,798 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6030% | 4,949 |
| Cost of funding earning assets | 1.0948% | 3,286 |
| Net interest margin | 3.5083% | 5,120 |
| Noninterest income to average assets | 0.2584% | 5,802 |
| Noninterest expense to average assets | 2.4730% | 5,630 |
| Loan and lease loss provision to assets | 1.0128% | 853 |
| Net operating income to assets | 0.0642% | 6,086 |
| Return on assets (ROA) | 0.1981% | 5,866 |
| Pretax return on assets | 0.2251% | 5,870 |
| Return on Equity (ROE) | 1.6717% | 5,897 |
| Retained earnings to average equity (ytd only) | 1.6717% | 5,156 |
| Net charge-offs to loans | 1.5097% | 980 |
| Credit loss provision to net charge-offs | 105.2385% | 2,932 |
| Earnings coverage of net charge-offs (x) | 1.1282% | 4,430 |
| Efficiency ratio | 69.4915% | 4,206 |
| Assets per employee ($millions) | 4.1745% | 3,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1297% | 2,056 |
| Loan loss allowance to noncurrent loans | 27.3589% | 6,409 |
| Noncurrent assets plus other real estate owned to assets | 5.9902% | 939 |
| Noncurrent loans to loans | 7.7844% | 598 |
| Net loans and leases to total assets | 62.9175% | 3,695 |
| Net loans and leases to deposits | 76.2749% | 3,415 |
| Net loans and leases to core deposits | 92.7090% | 2,054 |
| Total domestic deposits to total assets | 82.4879% | 4,992 |
| Equity capital to assets | 12.3129% | 1,896 |
| Core capital (leverage) ratio | 12.4447% | 1,391 |
| Tier 1 risk-based capital ratio | 19.0104% | 1,847 |
| Total risk-based capital ratio | 20.2710% | 1,801 |
| Memoranda: | ||
| Average total assets | $222,155,670 | 2,838 |
| Average earning assets | $208,993,000 | 2,771 |
| Average equity | $26,320,000 | 2,438 |
| Average total loans | $141,615,000 | 2,811 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6218% | 4,854 |
| Cost of funding earning assets | 1.1332% | 3,280 |
| Net interest margin | 3.4886% | 5,063 |
| Noninterest income to average assets | 0.3756% | 4,909 |
| Noninterest expense to average assets | 2.5385% | 5,426 |
| Loan and lease loss provision to assets | 0.9613% | 817 |
| Net operating income to assets | 0.1189% | 6,042 |
| Return on assets (ROA) | 0.1834% | 5,896 |
| Pretax return on assets | 0.2368% | 5,847 |
| Return on Equity (ROE) | 1.5776% | 5,948 |
| Retained earnings to average equity (ytd only) | 1.5776% | 5,166 |
| Net charge-offs to loans | 2.6527% | 414 |
| Credit loss provision to net charge-offs | 57.0825% | 3,601 |
| Earnings coverage of net charge-offs (x) | 0.6617% | 4,131 |
| Efficiency ratio | 69.4932% | 4,379 |
| Assets per employee ($millions) | 4.2255% | 3,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7934% | 3,034 |
| Loan loss allowance to noncurrent loans | 24.3784% | 6,584 |
| Noncurrent assets plus other real estate owned to assets | 5.9064% | 993 |
| Noncurrent loans to loans | 7.3567% | 717 |
| Net loans and leases to total assets | 62.5519% | 3,746 |
| Net loans and leases to deposits | 75.3667% | 3,524 |
| Net loans and leases to core deposits | 91.3322% | 2,194 |
| Total domestic deposits to total assets | 82.9967% | 4,934 |
| Equity capital to assets | 11.9466% | 1,951 |
| Core capital (leverage) ratio | 12.1953% | 1,460 |
| Tier 1 risk-based capital ratio | 18.4502% | 1,976 |
| Total risk-based capital ratio | 19.7060% | 1,926 |
| Memoranda: | ||
| Average total assets | $224,697,000 | 2,824 |
| Average earning assets | $211,086,500 | 2,767 |
| Average equity | $26,116,000 | 2,441 |
| Average total loans | $142,648,000 | 2,831 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8311% | 5,308 |
| Cost of funding earning assets | 1.4654% | 2,851 |
| Net interest margin | 3.3657% | 5,743 |
| Noninterest income to average assets | 0.2342% | 6,128 |
| Noninterest expense to average assets | 2.4591% | 5,919 |
| Loan and lease loss provision to assets | 0.9277% | 1,756 |
| Net operating income to assets | 0.0052% | 5,825 |
| Return on assets (ROA) | 0.3060% | 5,085 |
| Pretax return on assets | 0.3914% | 4,974 |
| Return on Equity (ROE) | 2.6666% | 5,101 |
| Retained earnings to average equity (ytd only) | 2.6666% | 3,993 |
| Net charge-offs to loans | 1.4375% | 1,539 |
| Credit loss provision to net charge-offs | 96.9350% | 4,791 |
| Earnings coverage of net charge-offs (x) | 0.9753% | 5,132 |
| Efficiency ratio | 72.4868% | 3,704 |
| Assets per employee ($millions) | 4.4167% | 2,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0063% | 2,281 |
| Loan loss allowance to noncurrent loans | 33.7032% | 6,067 |
| Noncurrent assets plus other real estate owned to assets | 5.1362% | 1,239 |
| Noncurrent loans to loans | 5.9529% | 1,053 |
| Net loans and leases to total assets | 62.0144% | 4,282 |
| Net loans and leases to deposits | 74.0522% | 4,181 |
| Net loans and leases to core deposits | 88.5167% | 2,980 |
| Total domestic deposits to total assets | 83.7442% | 4,480 |
| Equity capital to assets | 11.3130% | 2,401 |
| Core capital (leverage) ratio | 11.9796% | 1,563 |
| Tier 1 risk-based capital ratio | 17.5813% | 2,141 |
| Total risk-based capital ratio | 18.8394% | 2,105 |
| Memoranda: | ||
| Average total assets | $228,415,600 | 2,775 |
| Average earning assets | $214,341,400 | 2,696 |
| Average equity | $26,213,600 | 2,438 |
| Average total loans | $152,072,200 | 2,737 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8993% | 5,273 |
| Cost of funding earning assets | 1.5353% | 2,749 |
| Net interest margin | 3.3640% | 5,796 |
| Noninterest income to average assets | 0.2496% | 6,103 |
| Noninterest expense to average assets | 2.4222% | 5,964 |
| Loan and lease loss provision to assets | 0.9171% | 1,648 |
| Net operating income to assets | 0.0293% | 5,934 |
| Return on assets (ROA) | 0.3589% | 5,117 |
| Pretax return on assets | 0.5810% | 4,660 |
| Return on Equity (ROE) | 3.1161% | 5,174 |
| Retained earnings to average equity (ytd only) | 3.1161% | 4,253 |
| Net charge-offs to loans | 1.8054% | 1,070 |
| Credit loss provision to net charge-offs | 75.3602% | 5,269 |
| Earnings coverage of net charge-offs (x) | 0.8079% | 5,245 |
| Efficiency ratio | 71.1294% | 3,863 |
| Assets per employee ($millions) | 4.1840% | 3,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6659% | 3,271 |
| Loan loss allowance to noncurrent loans | 33.9846% | 6,067 |
| Noncurrent assets plus other real estate owned to assets | 4.8613% | 1,341 |
| Noncurrent loans to loans | 4.9019% | 1,432 |
| Net loans and leases to total assets | 65.7497% | 3,746 |
| Net loans and leases to deposits | 79.3258% | 3,574 |
| Net loans and leases to core deposits | 95.2107% | 2,355 |
| Total domestic deposits to total assets | 82.8857% | 4,636 |
| Equity capital to assets | 11.9355% | 2,200 |
| Core capital (leverage) ratio | 11.7590% | 1,786 |
| Tier 1 risk-based capital ratio | 17.0707% | 2,317 |
| Total risk-based capital ratio | 18.3252% | 2,277 |
| Memoranda: | ||
| Average total assets | $228,103,000 | 2,815 |
| Average earning assets | $213,986,000 | 2,741 |
| Average equity | $26,271,500 | 2,475 |
| Average total loans | $153,754,750 | 2,748 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9174% | 5,313 |
| Cost of funding earning assets | 1.5895% | 2,717 |
| Net interest margin | 3.3280% | 5,914 |
| Noninterest income to average assets | 0.1399% | 6,884 |
| Noninterest expense to average assets | 2.3664% | 6,166 |
| Loan and lease loss provision to assets | 0.7202% | 2,022 |
| Net operating income to assets | 0.0891% | 5,897 |
| Return on assets (ROA) | 0.2893% | 5,375 |
| Pretax return on assets | 0.4891% | 4,940 |
| Return on Equity (ROE) | 2.5414% | 5,443 |
| Retained earnings to average equity (ytd only) | 2.5414% | 4,537 |
| Net charge-offs to loans | 2.2907% | 777 |
| Credit loss provision to net charge-offs | 46.5208% | 5,496 |
| Earnings coverage of net charge-offs (x) | 0.5791% | 5,156 |
| Efficiency ratio | 72.5240% | 3,737 |
| Assets per employee ($millions) | 4.1099% | 3,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3304% | 4,768 |
| Loan loss allowance to noncurrent loans | 26.9266% | 6,555 |
| Noncurrent assets plus other real estate owned to assets | 4.4066% | 1,511 |
| Noncurrent loans to loans | 4.9408% | 1,406 |
| Net loans and leases to total assets | 66.6053% | 3,709 |
| Net loans and leases to deposits | 80.0964% | 3,582 |
| Net loans and leases to core deposits | 96.6876% | 2,362 |
| Total domestic deposits to total assets | 83.1565% | 4,501 |
| Equity capital to assets | 11.7804% | 2,224 |
| Core capital (leverage) ratio | 11.3822% | 1,982 |
| Tier 1 risk-based capital ratio | 16.6817% | 2,410 |
| Total risk-based capital ratio | 17.9322% | 2,356 |
| Memoranda: | ||
| Average total assets | $230,220,670 | 2,809 |
| Average earning assets | $216,048,330 | 2,733 |
| Average equity | $26,206,330 | 2,477 |
| Average total loans | $155,583,000 | 2,751 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8757% | 5,584 |
| Cost of funding earning assets | 1.6173% | 2,854 |
| Net interest margin | 3.2584% | 6,105 |
| Noninterest income to average assets | 0.2032% | 6,509 |
| Noninterest expense to average assets | 2.2952% | 6,389 |
| Loan and lease loss provision to assets | 0.7748% | 1,629 |
| Net operating income to assets | 0.1284% | 5,935 |
| Return on assets (ROA) | 0.5562% | 4,245 |
| Pretax return on assets | 0.8058% | 3,844 |
| Return on Equity (ROE) | 4.9702% | 4,381 |
| Retained earnings to average equity (ytd only) | 4.9702% | 3,173 |
| Net charge-offs to loans | 3.0354% | 508 |
| Credit loss provision to net charge-offs | 37.7517% | 4,674 |
| Earnings coverage of net charge-offs (x) | 0.4681% | 4,608 |
| Efficiency ratio | 70.4918% | 4,223 |
| Assets per employee ($millions) | 4.1523% | 3,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4419% | 4,199 |
| Loan loss allowance to noncurrent loans | 39.3572% | 5,737 |
| Noncurrent assets plus other real estate owned to assets | 3.9354% | 1,756 |
| Noncurrent loans to loans | 3.6636% | 2,173 |
| Net loans and leases to total assets | 65.8755% | 3,886 |
| Net loans and leases to deposits | 78.5211% | 3,940 |
| Net loans and leases to core deposits | 98.7914% | 2,262 |
| Total domestic deposits to total assets | 83.8953% | 4,194 |
| Equity capital to assets | 11.2227% | 2,562 |
| Core capital (leverage) ratio | 11.5854% | 1,862 |
| Tier 1 risk-based capital ratio | 16.2379% | 2,543 |
| Total risk-based capital ratio | 17.4897% | 2,506 |
| Memoranda: | ||
| Average total assets | $232,308,500 | 2,849 |
| Average earning assets | $217,649,500 | 2,768 |
| Average equity | $25,995,000 | 2,515 |
| Average total loans | $157,080,500 | 2,790 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6238% | 3,477 |
| Cost of funding earning assets | 2.0949% | 2,487 |
| Net interest margin | 3.5289% | 4,824 |
| Noninterest income to average assets | 0.4686% | 4,662 |
| Noninterest expense to average assets | 2.3176% | 6,701 |
| Loan and lease loss provision to assets | 1.4937% | 1,542 |
| Net operating income to assets | -0.0228% | 5,536 |
| Return on assets (ROA) | 0.1980% | 4,972 |
| Pretax return on assets | 0.2911% | 4,788 |
| Return on Equity (ROE) | 1.7249% | 5,010 |
| Retained earnings to average equity (ytd only) | 1.1347% | 4,255 |
| Net charge-offs to loans | 1.5103% | 1,662 |
| Credit loss provision to net charge-offs | 138.1164% | 3,553 |
| Earnings coverage of net charge-offs (x) | 1.3500% | 4,785 |
| Efficiency ratio | 61.3515% | 6,272 |
| Assets per employee ($millions) | 4.1444% | 3,530 |
| Cash dividends to net income (ytd only)* | 34.2163% | 3,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8792% | 2,316 |
| Loan loss allowance to noncurrent loans | 46.3199% | 5,301 |
| Noncurrent assets plus other real estate owned to assets | 4.2505% | 1,544 |
| Noncurrent loans to loans | 4.0569% | 1,825 |
| Net loans and leases to total assets | 67.1113% | 3,897 |
| Net loans and leases to deposits | 79.9825% | 3,994 |
| Net loans and leases to core deposits | 92.1116% | 4,873 |
| Total domestic deposits to total assets | 83.9075% | 4,068 |
| Equity capital to assets | 11.1569% | 2,573 |
| Core capital (leverage) ratio | 11.5555% | 1,885 |
| Tier 1 risk-based capital ratio | 16.0078% | 2,517 |
| Total risk-based capital ratio | 17.2653% | 2,449 |
| Memoranda: | ||
| Average total assets | $228,766,400 | 2,838 |
| Average earning assets | $214,517,400 | 2,771 |
| Average equity | $26,262,600 | 2,508 |
| Average total loans | $163,813,400 | 2,704 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7069% | 3,305 |
| Cost of funding earning assets | 2.2131% | 2,348 |
| Net interest margin | 3.4939% | 4,881 |
| Noninterest income to average assets | 0.4691% | 4,758 |
| Noninterest expense to average assets | 2.3252% | 6,637 |
| Loan and lease loss provision to assets | 1.2530% | 1,541 |
| Net operating income to assets | -0.0324% | 5,764 |
| Return on assets (ROA) | 0.1919% | 5,262 |
| Pretax return on assets | 0.5188% | 4,457 |
| Return on Equity (ROE) | 1.6594% | 5,281 |
| Retained earnings to average equity (ytd only) | 1.6594% | 4,384 |
| Net charge-offs to loans | 0.9110% | 2,147 |
| Credit loss provision to net charge-offs | 189.8936% | 2,396 |
| Earnings coverage of net charge-offs (x) | 2.1543% | 4,212 |
| Efficiency ratio | 62.0609% | 6,090 |
| Assets per employee ($millions) | 3.9467% | 3,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8971% | 2,042 |
| Loan loss allowance to noncurrent loans | 48.0264% | 5,110 |
| Noncurrent assets plus other real estate owned to assets | 4.6010% | 1,316 |
| Noncurrent loans to loans | 3.9502% | 1,862 |
| Net loans and leases to total assets | 71.4553% | 3,166 |
| Net loans and leases to deposits | 86.5453% | 3,216 |
| Net loans and leases to core deposits | 99.9721% | 4,375 |
| Total domestic deposits to total assets | 82.5641% | 4,412 |
| Equity capital to assets | 11.8431% | 2,326 |
| Core capital (leverage) ratio | 11.5461% | 2,050 |
| Tier 1 risk-based capital ratio | 16.1766% | 2,567 |
| Total risk-based capital ratio | 17.4335% | 2,502 |
| Memoranda: | ||
| Average total assets | $227,935,750 | 2,865 |
| Average earning assets | $213,816,250 | 2,798 |
| Average equity | $26,354,750 | 2,522 |
| Average total loans | $165,081,500 | 2,713 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6894% | 3,602 |
| Cost of funding earning assets | 2.2831% | 2,437 |
| Net interest margin | 3.4062% | 5,136 |
| Noninterest income to average assets | 0.4578% | 4,798 |
| Noninterest expense to average assets | 2.3862% | 6,505 |
| Loan and lease loss provision to assets | 0.4361% | 3,369 |
| Net operating income to assets | 0.5990% | 3,678 |
| Return on assets (ROA) | 0.9129% | 2,501 |
| Pretax return on assets | 1.2813% | 2,079 |
| Return on Equity (ROE) | 7.9577% | 2,792 |
| Retained earnings to average equity (ytd only) | 7.9577% | 1,225 |
| Net charge-offs to loans | 0.4794% | 2,915 |
| Credit loss provision to net charge-offs | 125.8145% | 3,695 |
| Earnings coverage of net charge-offs (x) | 3.6792% | 3,344 |
| Efficiency ratio | 65.1720% | 5,683 |
| Assets per employee ($millions) | 4.3205% | 3,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3098% | 4,214 |
| Loan loss allowance to noncurrent loans | 34.9421% | 6,111 |
| Noncurrent assets plus other real estate owned to assets | 4.3125% | 1,337 |
| Noncurrent loans to loans | 3.7485% | 1,847 |
| Net loans and leases to total assets | 70.5139% | 3,583 |
| Net loans and leases to deposits | 85.1570% | 3,703 |
| Net loans and leases to core deposits | 130.2332% | 1,539 |
| Total domestic deposits to total assets | 82.8046% | 4,331 |
| Equity capital to assets | 11.6522% | 2,421 |
| Core capital (leverage) ratio | 11.5302% | 2,071 |
| Tier 1 risk-based capital ratio | 16.1426% | 2,572 |
| Total risk-based capital ratio | 17.3930% | 2,521 |
| Memoranda: | ||
| Average total assets | $230,242,670 | 2,858 |
| Average earning assets | $216,543,330 | 2,790 |
| Average equity | $26,414,670 | 2,524 |
| Average total loans | $166,448,330 | 2,723 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7164% | 3,708 |
| Cost of funding earning assets | 2.2836% | 2,774 |
| Net interest margin | 3.4328% | 5,001 |
| Noninterest income to average assets | 0.3794% | 5,391 |
| Noninterest expense to average assets | 2.3684% | 6,303 |
| Loan and lease loss provision to assets | 0.4366% | 2,741 |
| Net operating income to assets | 0.5948% | 4,037 |
| Return on assets (ROA) | 0.7935% | 3,320 |
| Pretax return on assets | 1.0725% | 3,091 |
| Return on Equity (ROE) | 6.9708% | 3,606 |
| Retained earnings to average equity (ytd only) | 6.9708% | 2,219 |
| Net charge-offs to loans | 0.9674% | 1,383 |
| Credit loss provision to net charge-offs | 62.0690% | 4,482 |
| Earnings coverage of net charge-offs (x) | 1.7635% | 3,852 |
| Efficiency ratio | 65.6265% | 5,401 |
| Assets per employee ($millions) | 4.1266% | 3,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1336% | 5,234 |
| Loan loss allowance to noncurrent loans | 34.5042% | 6,244 |
| Noncurrent assets plus other real estate owned to assets | 4.0036% | 1,283 |
| Noncurrent loans to loans | 3.2854% | 1,947 |
| Net loans and leases to total assets | 69.9301% | 3,685 |
| Net loans and leases to deposits | 83.9377% | 3,993 |
| Net loans and leases to core deposits | 133.3047% | 1,459 |
| Total domestic deposits to total assets | 83.3119% | 3,994 |
| Equity capital to assets | 11.2540% | 2,760 |
| Core capital (leverage) ratio | 11.7135% | 2,038 |
| Tier 1 risk-based capital ratio | 15.5228% | 2,843 |
| Total risk-based capital ratio | 16.6471% | 2,826 |
| Memoranda: | ||
| Average total assets | $230,871,000 | 2,866 |
| Average earning assets | $217,198,500 | 2,793 |
| Average equity | $26,281,000 | 2,544 |
| Average total loans | $167,867,500 | 2,730 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7936% | 1,698 |
| Cost of funding earning assets | 2.6907% | 3,204 |
| Net interest margin | 4.1029% | 2,699 |
| Noninterest income to average assets | 0.4751% | 4,836 |
| Noninterest expense to average assets | 2.6583% | 5,416 |
| Loan and lease loss provision to assets | 0.2828% | 4,131 |
| Net operating income to assets | 0.9436% | 2,818 |
| Return on assets (ROA) | 0.9594% | 2,620 |
| Pretax return on assets | 1.4561% | 1,803 |
| Return on Equity (ROE) | 8.3862% | 2,897 |
| Retained earnings to average equity (ytd only) | 7.7843% | 904 |
| Net charge-offs to loans | 0.3753% | 2,966 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 6.0649% | 3,451 |
| Efficiency ratio | 60.7851% | 6,204 |
| Assets per employee ($millions) | 3.8394% | 3,881 |
| Cash dividends to net income (ytd only)* | 7.1770% | 4,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2045% | 4,495 |
| Loan loss allowance to noncurrent loans | 48.0565% | 5,605 |
| Noncurrent assets plus other real estate owned to assets | 2.8244% | 1,665 |
| Noncurrent loans to loans | 2.5065% | 2,172 |
| Net loans and leases to total assets | 73.8645% | 3,139 |
| Net loans and leases to deposits | 89.0921% | 3,619 |
| Net loans and leases to core deposits | 134.4781% | 1,569 |
| Total domestic deposits to total assets | 82.9080% | 3,808 |
| Equity capital to assets | 11.5178% | 2,628 |
| Core capital (leverage) ratio | 11.6459% | 2,160 |
| Tier 1 risk-based capital ratio | 15.0739% | 3,004 |
| Total risk-based capital ratio | 16.2760% | 2,945 |
| Memoranda: | ||
| Average total assets | $217,846,600 | 2,901 |
| Average earning assets | $206,973,400 | 2,805 |
| Average equity | $24,921,800 | 2,642 |
| Average total loans | $164,136,400 | 2,711 |