Home > Bank of O'Fallon > Performance and Condition Ratios
Bank of O'Fallon, 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 | 5.2074% | 2,703 |
| Cost of funding earning assets | 2.1982% | 1,447 |
| Net interest margin | 3.0091% | 3,375 |
| Noninterest income to average assets | 0.0400% | 4,325 |
| Noninterest expense to average assets | 1.3305% | 4,305 |
| Loan and lease loss provision to assets | 0.2000% | 589 |
| Net operating income to assets | 1.4316% | 1,202 |
| Return on assets (ROA) | 1.4316% | 1,202 |
| Pretax return on assets | 1.4316% | 1,662 |
| Return on Equity (ROE) | 10.7300% | 2,099 |
| Retained earnings to average equity (ytd only) | 6.6593% | 2,100 |
| Net charge-offs to loans | 0.2130% | 517 |
| Credit loss provision to net charge-offs | 59.8592% | 1,498 |
| Earnings coverage of net charge-offs (x) | 10.4507% | 1,707 |
| Efficiency ratio | 44.9351% | 4,142 |
| Assets per employee ($millions) | 11.7161% | 485 |
| Cash dividends to net income (ytd only)* | 37.9125% | 1,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6401% | 748 |
| Loan loss allowance to noncurrent loans | 313.3237% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.5828% | 1,294 |
| Noncurrent loans to loans | 0.5235% | 1,811 |
| Net loans and leases to total assets | 69.2100% | 1,924 |
| Net loans and leases to deposits | 80.0027% | 2,050 |
| Net loans and leases to core deposits | 88.4551% | 2,151 |
| Total domestic deposits to total assets | 86.5100% | 2,120 |
| Equity capital to assets | 13.0691% | 899 |
| Core capital (leverage) ratio | 13.5608% | 914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0935% | 407 |
| Memoranda: | ||
| Average total assets | $364,071,500 | 2,195 |
| Average earning assets | $353,190,500 | 2,130 |
| Average equity | $48,593,500 | 1,794 |
| Average total loans | $266,642,000 | 2,021 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3530% | 2,424 |
| Cost of funding earning assets | 1.9388% | 2,372 |
| Net interest margin | 3.4142% | 2,255 |
| Noninterest income to average assets | 0.1100% | 4,166 |
| Noninterest expense to average assets | 1.5830% | 4,192 |
| Loan and lease loss provision to assets | 0.1500% | 931 |
| Net operating income to assets | 1.6890% | 671 |
| Return on assets (ROA) | 1.6893% | 667 |
| Pretax return on assets | 1.6893% | 988 |
| Return on Equity (ROE) | 12.4900% | 1,497 |
| Retained earnings to average equity (ytd only) | 6.0286% | 1,819 |
| Net charge-offs to loans | 0.3134% | 475 |
| Credit loss provision to net charge-offs | 58.9286% | 2,285 |
| Earnings coverage of net charge-offs (x) | 7.5679% | 2,428 |
| Efficiency ratio | 46.2319% | 4,162 |
| Assets per employee ($millions) | 11.0384% | 568 |
| Cash dividends to net income (ytd only)* | 51.7401% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6266% | 758 |
| Loan loss allowance to noncurrent loans | 249.8860% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 0.7477% | 991 |
| Noncurrent loans to loans | 0.6509% | 1,497 |
| Net loans and leases to total assets | 75.0500% | 1,277 |
| Net loans and leases to deposits | 87.3172% | 1,465 |
| Net loans and leases to core deposits | 97.3360% | 1,633 |
| Total domestic deposits to total assets | 85.9500% | 2,229 |
| Equity capital to assets | 13.6425% | 741 |
| Core capital (leverage) ratio | 13.8161% | 828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7630% | 422 |
| Memoranda: | ||
| Average total assets | $345,287,600 | 2,253 |
| Average earning assets | $335,305,600 | 2,187 |
| Average equity | $46,693,800 | 1,791 |
| Average total loans | $267,985,600 | 1,981 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3404% | 2,387 |
| Cost of funding earning assets | 1.8732% | 2,542 |
| Net interest margin | 3.4672% | 2,104 |
| Noninterest income to average assets | 0.1100% | 4,188 |
| Noninterest expense to average assets | 2.2250% | 3,011 |
| Loan and lease loss provision to assets | 0.2000% | 591 |
| Net operating income to assets | 1.0498% | 1,908 |
| Return on assets (ROA) | 1.0502% | 1,917 |
| Pretax return on assets | 1.0502% | 2,384 |
| Return on Equity (ROE) | 7.7800% | 2,821 |
| Retained earnings to average equity (ytd only) | 1.2003% | 3,668 |
| Net charge-offs to loans | 0.3737% | 354 |
| Credit loss provision to net charge-offs | 58.0000% | 1,997 |
| Earnings coverage of net charge-offs (x) | 4.3000% | 2,453 |
| Efficiency ratio | 63.9826% | 2,715 |
| Assets per employee ($millions) | 10.7597% | 615 |
| Cash dividends to net income (ytd only)* | 84.5784% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6275% | 795 |
| Loan loss allowance to noncurrent loans | 245.6316% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 0.5460% | 1,307 |
| Noncurrent loans to loans | 0.6626% | 1,473 |
| Net loans and leases to total assets | 77.4900% | 926 |
| Net loans and leases to deposits | 89.8060% | 1,265 |
| Net loans and leases to core deposits | 101.4935% | 1,391 |
| Total domestic deposits to total assets | 86.2800% | 1,829 |
| Equity capital to assets | 13.2994% | 885 |
| Core capital (leverage) ratio | 13.4553% | 955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7099% | 492 |
| Memoranda: | ||
| Average total assets | $343,302,500 | 2,254 |
| Average earning assets | $333,397,250 | 2,191 |
| Average equity | $46,320,000 | 1,802 |
| Average total loans | $267,615,750 | 1,975 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3265% | 2,308 |
| Cost of funding earning assets | 1.8407% | 2,524 |
| Net interest margin | 3.4858% | 1,993 |
| Noninterest income to average assets | 0.1100% | 4,190 |
| Noninterest expense to average assets | 1.4281% | 4,320 |
| Loan and lease loss provision to assets | 0.1400% | 838 |
| Net operating income to assets | 1.9162% | 502 |
| Return on assets (ROA) | 1.9162% | 505 |
| Pretax return on assets | 1.9162% | 727 |
| Return on Equity (ROE) | 14.1300% | 1,135 |
| Retained earnings to average equity (ytd only) | 9.6825% | 955 |
| Net charge-offs to loans | 0.0263% | 1,623 |
| Credit loss provision to net charge-offs | 457.1429% | 667 |
| Earnings coverage of net charge-offs (x) | 100.9429% | 768 |
| Efficiency ratio | 40.9395% | 4,342 |
| Assets per employee ($millions) | 10.0529% | 718 |
| Cash dividends to net income (ytd only)* | 31.4973% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7995% | 558 |
| Loan loss allowance to noncurrent loans | 261.1948% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.5679% | 1,198 |
| Noncurrent loans to loans | 0.6890% | 1,344 |
| Net loans and leases to total assets | 77.4800% | 969 |
| Net loans and leases to deposits | 90.4552% | 1,268 |
| Net loans and leases to core deposits | 102.2190% | 1,356 |
| Total domestic deposits to total assets | 85.6600% | 2,093 |
| Equity capital to assets | 13.9337% | 691 |
| Core capital (leverage) ratio | 13.6655% | 884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7787% | 428 |
| Memoranda: | ||
| Average total assets | $342,967,000 | 2,245 |
| Average earning assets | $332,489,333 | 2,174 |
| Average equity | $46,496,333 | 1,777 |
| Average total loans | $266,415,667 | 1,984 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1118% | 2,571 |
| Cost of funding earning assets | 1.6545% | 2,855 |
| Net interest margin | 3.4573% | 1,981 |
| Noninterest income to average assets | 0.1100% | 4,170 |
| Noninterest expense to average assets | 1.4193% | 4,351 |
| Loan and lease loss provision to assets | 0.2200% | 447 |
| Net operating income to assets | 1.8326% | 542 |
| Return on assets (ROA) | 1.8338% | 552 |
| Pretax return on assets | 1.8338% | 795 |
| Return on Equity (ROE) | 13.7200% | 1,195 |
| Retained earnings to average equity (ytd only) | 9.7187% | 1,167 |
| Net charge-offs to loans | 0.0166% | 1,524 |
| Credit loss provision to net charge-offs | 1,736.3636% | 230 |
| Earnings coverage of net charge-offs (x) | 160.4545% | 486 |
| Efficiency ratio | 40.8512% | 4,328 |
| Assets per employee ($millions) | 10.6680% | 594 |
| Cash dividends to net income (ytd only)* | 29.1429% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8016% | 550 |
| Loan loss allowance to noncurrent loans | 158.5892% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 0.8934% | 673 |
| Noncurrent loans to loans | 1.1360% | 743 |
| Net loans and leases to total assets | 75.1800% | 1,177 |
| Net loans and leases to deposits | 86.9993% | 1,451 |
| Net loans and leases to core deposits | 97.9052% | 1,525 |
| Total domestic deposits to total assets | 86.4200% | 1,961 |
| Equity capital to assets | 13.2058% | 813 |
| Core capital (leverage) ratio | 13.8683% | 811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0869% | 485 |
| Memoranda: | ||
| Average total assets | $343,552,000 | 2,239 |
| Average earning assets | $334,597,500 | 2,168 |
| Average equity | $45,932,000 | 1,779 |
| Average total loans | $264,781,000 | 1,987 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5837% | 2,928 |
| Cost of funding earning assets | 1.3669% | 2,314 |
| Net interest margin | 3.2168% | 2,838 |
| Noninterest income to average assets | 0.1200% | 4,210 |
| Noninterest expense to average assets | 1.6169% | 4,232 |
| Loan and lease loss provision to assets | 0.2200% | 549 |
| Net operating income to assets | 1.4162% | 1,190 |
| Return on assets (ROA) | 1.4177% | 1,157 |
| Pretax return on assets | 1.4177% | 1,597 |
| Return on Equity (ROE) | 10.6800% | 2,312 |
| Retained earnings to average equity (ytd only) | 3.6495% | 3,072 |
| Net charge-offs to loans | 0.0730% | 1,126 |
| Credit loss provision to net charge-offs | 403.7433% | 778 |
| Earnings coverage of net charge-offs (x) | 29.7219% | 1,641 |
| Efficiency ratio | 49.6375% | 4,006 |
| Assets per employee ($millions) | 9.8547% | 742 |
| Cash dividends to net income (ytd only)* | 65.8339% | 974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8183% | 528 |
| Loan loss allowance to noncurrent loans | 190.7221% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 0.7646% | 675 |
| Noncurrent loans to loans | 0.9534% | 777 |
| Net loans and leases to total assets | 76.2000% | 1,090 |
| Net loans and leases to deposits | 88.4956% | 1,390 |
| Net loans and leases to core deposits | 99.1468% | 1,478 |
| Total domestic deposits to total assets | 86.1000% | 1,979 |
| Equity capital to assets | 13.5420% | 759 |
| Core capital (leverage) ratio | 13.2070% | 999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5105% | 453 |
| Memoranda: | ||
| Average total assets | $338,787,800 | 2,237 |
| Average earning assets | $330,758,600 | 2,172 |
| Average equity | $44,964,800 | 1,735 |
| Average total loans | $256,235,600 | 1,974 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4105% | 3,081 |
| Cost of funding earning assets | 1.2765% | 2,208 |
| Net interest margin | 3.1340% | 3,073 |
| Noninterest income to average assets | 0.1100% | 4,262 |
| Noninterest expense to average assets | 1.4796% | 4,327 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 1.5177% | 1,085 |
| Return on assets (ROA) | 1.5196% | 1,074 |
| Pretax return on assets | 1.5196% | 1,517 |
| Return on Equity (ROE) | 11.5100% | 2,250 |
| Retained earnings to average equity (ytd only) | 5.2604% | 2,852 |
| Net charge-offs to loans | 0.1165% | 693 |
| Credit loss provision to net charge-offs | 190.5830% | 1,155 |
| Earnings coverage of net charge-offs (x) | 19.3991% | 1,835 |
| Efficiency ratio | 46.5662% | 4,105 |
| Assets per employee ($millions) | 10.5946% | 559 |
| Cash dividends to net income (ytd only)* | 54.2872% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6876% | 720 |
| Loan loss allowance to noncurrent loans | 458.6751% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 0.2957% | 1,831 |
| Noncurrent loans to loans | 0.3679% | 1,916 |
| Net loans and leases to total assets | 72.6800% | 1,501 |
| Net loans and leases to deposits | 83.8638% | 1,751 |
| Net loans and leases to core deposits | 92.8938% | 1,742 |
| Total domestic deposits to total assets | 86.6700% | 1,991 |
| Equity capital to assets | 13.0149% | 812 |
| Core capital (leverage) ratio | 13.1885% | 1,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8359% | 442 |
| Memoranda: | ||
| Average total assets | $339,719,500 | 2,236 |
| Average earning assets | $332,045,250 | 2,176 |
| Average equity | $44,862,500 | 1,723 |
| Average total loans | $255,287,250 | 1,979 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2180% | 3,258 |
| Cost of funding earning assets | 1.2043% | 1,977 |
| Net interest margin | 3.0137% | 3,397 |
| Noninterest income to average assets | 0.1200% | 4,227 |
| Noninterest expense to average assets | 1.4589% | 4,365 |
| Loan and lease loss provision to assets | -0.0300% | 4,442 |
| Net operating income to assets | 1.6355% | 897 |
| Return on assets (ROA) | 1.6384% | 895 |
| Pretax return on assets | 1.6384% | 1,343 |
| Return on Equity (ROE) | 12.3500% | 2,057 |
| Retained earnings to average equity (ytd only) | 8.4123% | 1,848 |
| Net charge-offs to loans | -0.0732% | 4,462 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 47.6043% | 4,086 |
| Assets per employee ($millions) | 9.8206% | 700 |
| Cash dividends to net income (ytd only)* | 31.8578% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6345% | 867 |
| Loan loss allowance to noncurrent loans | 599.2837% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.2090% | 2,151 |
| Noncurrent loans to loans | 0.2727% | 2,175 |
| Net loans and leases to total assets | 75.3900% | 1,114 |
| Net loans and leases to deposits | 87.6429% | 1,374 |
| Net loans and leases to core deposits | 97.4924% | 1,384 |
| Total domestic deposits to total assets | 86.0200% | 2,222 |
| Equity capital to assets | 13.6601% | 689 |
| Core capital (leverage) ratio | 13.6034% | 855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9060% | 433 |
| Memoranda: | ||
| Average total assets | $336,418,667 | 2,252 |
| Average earning assets | $328,826,333 | 2,194 |
| Average equity | $44,649,000 | 1,732 |
| Average total loans | $254,226,000 | 1,985 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0667% | 3,331 |
| Cost of funding earning assets | 1.1166% | 1,709 |
| Net interest margin | 2.9501% | 3,695 |
| Noninterest income to average assets | 0.1200% | 4,272 |
| Noninterest expense to average assets | 1.4274% | 4,451 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.5755% | 1,026 |
| Return on assets (ROA) | 1.5814% | 1,014 |
| Pretax return on assets | 1.5814% | 1,510 |
| Return on Equity (ROE) | 12.0900% | 2,196 |
| Retained earnings to average equity (ytd only) | 8.1145% | 2,186 |
| Net charge-offs to loans | -0.0158% | 4,021 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 47.4223% | 4,126 |
| Assets per employee ($millions) | 10.2588% | 641 |
| Cash dividends to net income (ytd only)* | 32.8839% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6428% | 922 |
| Loan loss allowance to noncurrent loans | 622.2057% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.1982% | 2,149 |
| Noncurrent loans to loans | 0.2640% | 2,200 |
| Net loans and leases to total assets | 73.8400% | 1,223 |
| Net loans and leases to deposits | 85.3321% | 1,403 |
| Net loans and leases to core deposits | 94.1516% | 1,384 |
| Total domestic deposits to total assets | 86.5300% | 2,433 |
| Equity capital to assets | 13.1828% | 719 |
| Core capital (leverage) ratio | 12.8676% | 1,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3962% | 477 |
| Memoranda: | ||
| Average total assets | $337,678,000 | 2,279 |
| Average earning assets | $330,290,500 | 2,213 |
| Average equity | $44,168,000 | 1,762 |
| Average total loans | $253,376,500 | 2,007 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2198% | 3,781 |
| Cost of funding earning assets | 0.7074% | 568 |
| Net interest margin | 2.5125% | 4,279 |
| Noninterest income to average assets | 0.1000% | 4,426 |
| Noninterest expense to average assets | 1.4039% | 4,507 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1615% | 1,930 |
| Return on assets (ROA) | 1.1615% | 1,862 |
| Pretax return on assets | 1.1615% | 2,561 |
| Return on Equity (ROE) | 9.4900% | 2,974 |
| Retained earnings to average equity (ytd only) | -7.8462% | 4,610 |
| Net charge-offs to loans | -0.0799% | 4,472 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 54.6960% | 3,726 |
| Assets per employee ($millions) | 11.2272% | 475 |
| Cash dividends to net income (ytd only)* | 182.6551% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6587% | 859 |
| Loan loss allowance to noncurrent loans | 572.4044% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.2173% | 2,068 |
| Noncurrent loans to loans | 0.2898% | 2,108 |
| Net loans and leases to total assets | 73.7600% | 1,238 |
| Net loans and leases to deposits | 85.0048% | 1,387 |
| Net loans and leases to core deposits | 94.4948% | 1,272 |
| Total domestic deposits to total assets | 86.7700% | 2,467 |
| Equity capital to assets | 12.9765% | 711 |
| Core capital (leverage) ratio | 11.6054% | 1,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0981% | 471 |
| Memoranda: | ||
| Average total assets | $378,726,000 | 2,107 |
| Average earning assets | $371,384,000 | 2,021 |
| Average equity | $46,341,000 | 1,721 |
| Average total loans | $250,249,600 | 1,941 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9943% | 3,898 |
| Cost of funding earning assets | 0.6172% | 397 |
| Net interest margin | 2.3771% | 4,350 |
| Noninterest income to average assets | 0.1000% | 4,457 |
| Noninterest expense to average assets | 1.2497% | 4,604 |
| Loan and lease loss provision to assets | -0.0400% | 4,466 |
| Net operating income to assets | 1.2244% | 1,613 |
| Return on assets (ROA) | 1.2244% | 1,585 |
| Pretax return on assets | 1.2244% | 2,274 |
| Return on Equity (ROE) | 10.1400% | 2,682 |
| Retained earnings to average equity (ytd only) | -10.3204% | 4,678 |
| Net charge-offs to loans | -0.0908% | 4,466 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 51.3658% | 4,054 |
| Assets per employee ($millions) | 13.3850% | 279 |
| Cash dividends to net income (ytd only)* | 201.7907% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6149% | 1,036 |
| Loan loss allowance to noncurrent loans | 519.8454% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 0.1999% | 2,269 |
| Noncurrent loans to loans | 0.3107% | 2,133 |
| Net loans and leases to total assets | 63.3100% | 2,160 |
| Net loans and leases to deposits | 71.5080% | 2,245 |
| Net loans and leases to core deposits | 78.4789% | 2,005 |
| Total domestic deposits to total assets | 88.5400% | 2,261 |
| Equity capital to assets | 11.2594% | 1,080 |
| Core capital (leverage) ratio | 11.1805% | 1,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2166% | 477 |
| Memoranda: | ||
| Average total assets | $389,203,250 | 2,080 |
| Average earning assets | $381,912,000 | 1,993 |
| Average equity | $46,999,500 | 1,720 |
| Average total loans | $249,658,750 | 1,942 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8376% | 3,924 |
| Cost of funding earning assets | 0.5901% | 299 |
| Net interest margin | 2.2475% | 4,386 |
| Noninterest income to average assets | 0.0940% | 4,516 |
| Noninterest expense to average assets | 1.2132% | 4,636 |
| Loan and lease loss provision to assets | -0.0513% | 4,521 |
| Net operating income to assets | 1.1377% | 1,638 |
| Return on assets (ROA) | 1.1377% | 1,618 |
| Pretax return on assets | 1.1377% | 2,277 |
| Return on Equity (ROE) | 9.2146% | 2,626 |
| Retained earnings to average equity (ytd only) | 5.9837% | 2,341 |
| Net charge-offs to loans | -0.1747% | 4,569 |
| Credit loss provision to net charge-offs | 45.8716% | 1,514 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7573% | 4,067 |
| Assets per employee ($millions) | 12.3654% | 341 |
| Cash dividends to net income (ytd only)* | 35.0632% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6482% | 1,052 |
| Loan loss allowance to noncurrent loans | 441.1828% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.2426% | 2,116 |
| Noncurrent loans to loans | 0.3736% | 2,024 |
| Net loans and leases to total assets | 63.8721% | 1,927 |
| Net loans and leases to deposits | 73.3576% | 1,928 |
| Net loans and leases to core deposits | 81.0301% | 1,655 |
| Total domestic deposits to total assets | 87.0695% | 2,914 |
| Equity capital to assets | 12.7259% | 713 |
| Core capital (leverage) ratio | 12.2167% | 1,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8603% | 327 |
| Memoranda: | ||
| Average total assets | $389,549,000 | 2,094 |
| Average earning assets | $382,297,667 | 2,015 |
| Average equity | $48,097,667 | 1,732 |
| Average total loans | $249,612,667 | 1,945 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7206% | 3,901 |
| Cost of funding earning assets | 0.6099% | 242 |
| Net interest margin | 2.1107% | 4,431 |
| Noninterest income to average assets | 0.0917% | 4,537 |
| Noninterest expense to average assets | 1.0890% | 4,697 |
| Loan and lease loss provision to assets | -0.1834% | 4,677 |
| Net operating income to assets | 1.2591% | 1,096 |
| Return on assets (ROA) | 1.2591% | 1,083 |
| Pretax return on assets | 1.2591% | 1,625 |
| Return on Equity (ROE) | 10.3527% | 1,840 |
| Retained earnings to average equity (ytd only) | 6.9102% | 1,919 |
| Net charge-offs to loans | -0.3153% | 4,666 |
| Credit loss provision to net charge-offs | 91.3706% | 1,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3059% | 4,301 |
| Assets per employee ($millions) | 12.0285% | 393 |
| Cash dividends to net income (ytd only)* | 33.2524% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6060% | 1,253 |
| Loan loss allowance to noncurrent loans | 513.0769% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 0.1965% | 2,454 |
| Noncurrent loans to loans | 0.3130% | 2,343 |
| Net loans and leases to total assets | 61.7710% | 1,888 |
| Net loans and leases to deposits | 70.4841% | 1,920 |
| Net loans and leases to core deposits | 77.5108% | 1,653 |
| Total domestic deposits to total assets | 87.6382% | 2,694 |
| Equity capital to assets | 12.1349% | 914 |
| Core capital (leverage) ratio | 12.1069% | 1,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8216% | 339 |
| Memoranda: | ||
| Average total assets | $392,660,000 | 2,081 |
| Average earning assets | $385,656,000 | 2,002 |
| Average equity | $47,755,500 | 1,797 |
| Average total loans | $249,948,000 | 1,935 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1881% | 3,497 |
| Cost of funding earning assets | 0.7933% | 210 |
| Net interest margin | 2.3948% | 4,326 |
| Noninterest income to average assets | 0.0878% | 4,648 |
| Noninterest expense to average assets | 1.4440% | 4,593 |
| Loan and lease loss provision to assets | -0.0741% | 4,461 |
| Net operating income to assets | 1.0653% | 2,437 |
| Return on assets (ROA) | 1.0653% | 2,509 |
| Pretax return on assets | 1.0653% | 3,088 |
| Return on Equity (ROE) | 8.1292% | 3,182 |
| Retained earnings to average equity (ytd only) | 2.6898% | 3,766 |
| Net charge-offs to loans | -0.0556% | 4,368 |
| Credit loss provision to net charge-offs | 187.9433% | 1,345 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2975% | 3,256 |
| Assets per employee ($millions) | 12.1369% | 384 |
| Cash dividends to net income (ytd only)* | 66.9116% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5895% | 1,286 |
| Loan loss allowance to noncurrent loans | 944.3128% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.1159% | 3,117 |
| Noncurrent loans to loans | 0.1683% | 3,105 |
| Net loans and leases to total assets | 63.5242% | 1,760 |
| Net loans and leases to deposits | 72.5460% | 1,864 |
| Net loans and leases to core deposits | 83.4292% | 1,365 |
| Total domestic deposits to total assets | 87.5640% | 2,255 |
| Equity capital to assets | 12.1898% | 1,176 |
| Core capital (leverage) ratio | 12.6684% | 883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3004% | 384 |
| Memoranda: | ||
| Average total assets | $357,752,800 | 2,161 |
| Average earning assets | $350,674,400 | 2,079 |
| Average equity | $46,880,600 | 1,862 |
| Average total loans | $253,406,200 | 1,909 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2689% | 3,464 |
| Cost of funding earning assets | 0.8203% | 220 |
| Net interest margin | 2.4486% | 4,344 |
| Noninterest income to average assets | 0.0937% | 4,691 |
| Noninterest expense to average assets | 1.3093% | 4,750 |
| Loan and lease loss provision to assets | 0.0494% | 2,008 |
| Net operating income to assets | 1.1334% | 2,425 |
| Return on assets (ROA) | 1.1334% | 2,490 |
| Pretax return on assets | 1.1334% | 3,125 |
| Return on Equity (ROE) | 8.4848% | 3,260 |
| Retained earnings to average equity (ytd only) | 3.1419% | 3,855 |
| Net charge-offs to loans | -0.0724% | 4,497 |
| Credit loss provision to net charge-offs | -94.2029% | 3,220 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5367% | 3,979 |
| Assets per employee ($millions) | 10.8882% | 491 |
| Cash dividends to net income (ytd only)* | 62.9704% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7214% | 1,071 |
| Loan loss allowance to noncurrent loans | 941.2903% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.1548% | 3,083 |
| Noncurrent loans to loans | 0.1829% | 3,215 |
| Net loans and leases to total assets | 67.5032% | 1,375 |
| Net loans and leases to deposits | 77.5822% | 1,517 |
| Net loans and leases to core deposits | 90.0244% | 1,032 |
| Total domestic deposits to total assets | 87.0086% | 2,350 |
| Equity capital to assets | 12.7456% | 1,073 |
| Core capital (leverage) ratio | 12.8785% | 873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1083% | 421 |
| Memoranda: | ||
| Average total assets | $350,095,750 | 2,219 |
| Average earning assets | $342,936,500 | 2,135 |
| Average equity | $46,765,000 | 1,887 |
| Average total loans | $254,082,500 | 1,937 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2853% | 3,470 |
| Cost of funding earning assets | 0.8456% | 235 |
| Net interest margin | 2.4397% | 4,381 |
| Noninterest income to average assets | 0.0920% | 4,720 |
| Noninterest expense to average assets | 1.3401% | 4,766 |
| Loan and lease loss provision to assets | 0.0845% | 1,452 |
| Net operating income to assets | 1.0553% | 2,694 |
| Return on assets (ROA) | 1.0553% | 2,774 |
| Pretax return on assets | 1.0553% | 3,318 |
| Return on Equity (ROE) | 7.7726% | 3,467 |
| Retained earnings to average equity (ytd only) | 4.4396% | 3,384 |
| Net charge-offs to loans | 0.1378% | 579 |
| Credit loss provision to net charge-offs | 82.8571% | 1,477 |
| Earnings coverage of net charge-offs (x) | 11.1829% | 1,772 |
| Efficiency ratio | 54.0395% | 3,801 |
| Assets per employee ($millions) | 10.8813% | 475 |
| Cash dividends to net income (ytd only)* | 42.8808% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6046% | 1,261 |
| Loan loss allowance to noncurrent loans | 614.3072% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 0.1903% | 3,003 |
| Noncurrent loans to loans | 0.2612% | 3,006 |
| Net loans and leases to total assets | 67.6104% | 1,500 |
| Net loans and leases to deposits | 77.7109% | 1,660 |
| Net loans and leases to core deposits | 89.9960% | 1,141 |
| Total domestic deposits to total assets | 87.0026% | 2,316 |
| Equity capital to assets | 12.7355% | 1,035 |
| Core capital (leverage) ratio | 13.1322% | 773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1985% | 421 |
| Memoranda: | ||
| Average total assets | $343,394,667 | 2,235 |
| Average earning assets | $336,107,333 | 2,161 |
| Average equity | $46,625,333 | 1,875 |
| Average total loans | $254,019,000 | 1,946 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4592% | 3,049 |
| Cost of funding earning assets | 0.8840% | 241 |
| Net interest margin | 2.5752% | 4,195 |
| Noninterest income to average assets | 0.0945% | 4,710 |
| Noninterest expense to average assets | 1.2711% | 4,835 |
| Loan and lease loss provision to assets | 0.1212% | 1,133 |
| Net operating income to assets | 1.2190% | 2,071 |
| Return on assets (ROA) | 1.2190% | 2,157 |
| Pretax return on assets | 1.2190% | 2,794 |
| Return on Equity (ROE) | 8.6762% | 3,137 |
| Retained earnings to average equity (ytd only) | 5.1316% | 3,183 |
| Net charge-offs to loans | 0.0299% | 1,190 |
| Credit loss provision to net charge-offs | 526.3158% | 583 |
| Earnings coverage of net charge-offs (x) | 58.2105% | 837 |
| Efficiency ratio | 48.6775% | 4,287 |
| Assets per employee ($millions) | 10.3560% | 533 |
| Cash dividends to net income (ytd only)* | 40.8549% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6474% | 1,175 |
| Loan loss allowance to noncurrent loans | 470.2581% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 0.4173% | 2,152 |
| Noncurrent loans to loans | 0.3503% | 2,828 |
| Net loans and leases to total assets | 73.1964% | 885 |
| Net loans and leases to deposits | 85.0410% | 1,044 |
| Net loans and leases to core deposits | 100.4550% | 697 |
| Total domestic deposits to total assets | 86.0719% | 2,707 |
| Equity capital to assets | 13.6583% | 751 |
| Core capital (leverage) ratio | 14.0905% | 638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9174% | 411 |
| Memoranda: | ||
| Average total assets | $330,109,500 | 2,288 |
| Average earning assets | $322,620,000 | 2,209 |
| Average equity | $46,379,500 | 1,876 |
| Average total loans | $253,921,500 | 1,943 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8709% | 3,110 |
| Cost of funding earning assets | 1.0577% | 478 |
| Net interest margin | 2.8132% | 4,245 |
| Noninterest income to average assets | 0.0789% | 4,800 |
| Noninterest expense to average assets | 1.5469% | 4,745 |
| Loan and lease loss provision to assets | 0.0031% | 4,298 |
| Net operating income to assets | 1.2751% | 1,319 |
| Return on assets (ROA) | 1.2751% | 1,420 |
| Pretax return on assets | 1.2751% | 2,064 |
| Return on Equity (ROE) | 9.0146% | 2,385 |
| Retained earnings to average equity (ytd only) | 3.6344% | 3,022 |
| Net charge-offs to loans | 0.0233% | 2,579 |
| Credit loss provision to net charge-offs | 16.9492% | 3,241 |
| Earnings coverage of net charge-offs (x) | 69.7458% | 978 |
| Efficiency ratio | 54.7554% | 4,116 |
| Assets per employee ($millions) | 9.6506% | 592 |
| Cash dividends to net income (ytd only)* | 59.6833% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6209% | 1,239 |
| Loan loss allowance to noncurrent loans | 322.0219% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 0.5351% | 1,959 |
| Noncurrent loans to loans | 0.5033% | 2,463 |
| Net loans and leases to total assets | 78.3107% | 578 |
| Net loans and leases to deposits | 91.8677% | 787 |
| Net loans and leases to core deposits | 110.1558% | 503 |
| Total domestic deposits to total assets | 85.2429% | 2,670 |
| Equity capital to assets | 14.4698% | 685 |
| Core capital (leverage) ratio | 13.7062% | 739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7071% | 402 |
| Memoranda: | ||
| Average total assets | $321,930,800 | 2,179 |
| Average earning assets | $314,272,000 | 2,098 |
| Average equity | $45,537,000 | 1,833 |
| Average total loans | $253,252,800 | 1,907 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9113% | 3,217 |
| Cost of funding earning assets | 1.0808% | 573 |
| Net interest margin | 2.8305% | 4,290 |
| Noninterest income to average assets | 0.0785% | 4,825 |
| Noninterest expense to average assets | 1.3684% | 4,877 |
| Loan and lease loss provision to assets | -0.0434% | 4,982 |
| Net operating income to assets | 1.5171% | 876 |
| Return on assets (ROA) | 1.5171% | 950 |
| Pretax return on assets | 1.5171% | 1,413 |
| Return on Equity (ROE) | 10.7866% | 1,752 |
| Retained earnings to average equity (ytd only) | 4.8280% | 2,639 |
| Net charge-offs to loans | 0.0174% | 2,516 |
| Credit loss provision to net charge-offs | -318.1818% | 3,711 |
| Earnings coverage of net charge-offs (x) | 108.1212% | 751 |
| Efficiency ratio | 48.1471% | 4,600 |
| Assets per employee ($millions) | 11.0000% | 387 |
| Cash dividends to net income (ytd only)* | 55.2409% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5571% | 1,211 |
| Loan loss allowance to noncurrent loans | 1,189.3491% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.2246% | 3,323 |
| Noncurrent loans to loans | 0.1309% | 3,859 |
| Net loans and leases to total assets | 74.5311% | 1,305 |
| Net loans and leases to deposits | 87.6235% | 1,528 |
| Net loans and leases to core deposits | 103.7910% | 938 |
| Total domestic deposits to total assets | 85.0584% | 2,410 |
| Equity capital to assets | 13.5106% | 1,000 |
| Core capital (leverage) ratio | 13.4557% | 848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9635% | 410 |
| Memoranda: | ||
| Average total assets | $322,796,000 | 2,153 |
| Average earning assets | $315,182,250 | 2,079 |
| Average equity | $45,400,750 | 1,829 |
| Average total loans | $253,189,750 | 1,902 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0424% | 3,214 |
| Cost of funding earning assets | 1.1234% | 662 |
| Net interest margin | 2.9191% | 4,278 |
| Noninterest income to average assets | 0.0802% | 4,836 |
| Noninterest expense to average assets | 1.3949% | 4,907 |
| Loan and lease loss provision to assets | -0.0253% | 5,009 |
| Net operating income to assets | 1.5591% | 830 |
| Return on assets (ROA) | 1.5591% | 902 |
| Pretax return on assets | 1.5591% | 1,321 |
| Return on Equity (ROE) | 10.9303% | 1,652 |
| Retained earnings to average equity (ytd only) | 6.9681% | 1,675 |
| Net charge-offs to loans | 0.0072% | 2,706 |
| Credit loss provision to net charge-offs | -444.4444% | 3,596 |
| Earnings coverage of net charge-offs (x) | 269.8889% | 346 |
| Efficiency ratio | 47.6283% | 4,651 |
| Assets per employee ($millions) | 10.4699% | 443 |
| Cash dividends to net income (ytd only)* | 36.2495% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5924% | 1,027 |
| Loan loss allowance to noncurrent loans | 569.1136% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.3432% | 2,925 |
| Noncurrent loans to loans | 0.2798% | 3,375 |
| Net loans and leases to total assets | 75.7901% | 1,165 |
| Net loans and leases to deposits | 89.3935% | 1,407 |
| Net loans and leases to core deposits | 108.3825% | 796 |
| Total domestic deposits to total assets | 84.7825% | 2,477 |
| Equity capital to assets | 13.7302% | 913 |
| Core capital (leverage) ratio | 14.3114% | 688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1026% | 398 |
| Memoranda: | ||
| Average total assets | $316,728,000 | 2,166 |
| Average earning assets | $309,070,000 | 2,078 |
| Average equity | $45,177,333 | 1,826 |
| Average total loans | $251,529,333 | 1,892 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0283% | 3,712 |
| Cost of funding earning assets | 1.1970% | 780 |
| Net interest margin | 2.8313% | 4,534 |
| Noninterest income to average assets | 0.0949% | 4,844 |
| Noninterest expense to average assets | 1.3590% | 4,982 |
| Loan and lease loss provision to assets | -0.0130% | 5,048 |
| Net operating income to assets | 1.5112% | 761 |
| Return on assets (ROA) | 1.5112% | 831 |
| Pretax return on assets | 1.5112% | 1,276 |
| Return on Equity (ROE) | 10.3830% | 1,618 |
| Retained earnings to average equity (ytd only) | 6.0493% | 1,849 |
| Net charge-offs to loans | 0.0032% | 2,473 |
| Credit loss provision to net charge-offs | -500.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 576.0000% | 101 |
| Efficiency ratio | 47.5649% | 4,780 |
| Assets per employee ($millions) | 9.1611% | 508 |
| Cash dividends to net income (ytd only)* | 41.7384% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6584% | 937 |
| Loan loss allowance to noncurrent loans | 675.2443% | 744 |
| Noncurrent assets plus other real estate owned to assets | 0.3447% | 3,059 |
| Noncurrent loans to loans | 0.2456% | 3,604 |
| Net loans and leases to total assets | 81.3241% | 527 |
| Net loans and leases to deposits | 95.9453% | 917 |
| Net loans and leases to core deposits | 119.7435% | 477 |
| Total domestic deposits to total assets | 84.7609% | 2,504 |
| Equity capital to assets | 14.9195% | 776 |
| Core capital (leverage) ratio | 14.8397% | 709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0667% | 491 |
| Memoranda: | ||
| Average total assets | $307,574,000 | 2,161 |
| Average earning assets | $300,075,500 | 2,074 |
| Average equity | $44,765,500 | 1,824 |
| Average total loans | $248,277,500 | 1,874 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1158% | 4,007 |
| Cost of funding earning assets | 1.2101% | 1,011 |
| Net interest margin | 2.9057% | 4,650 |
| Noninterest income to average assets | 0.0884% | 4,956 |
| Noninterest expense to average assets | 1.5888% | 4,955 |
| Loan and lease loss provision to assets | 0.0498% | 3,026 |
| Net operating income to assets | 1.2842% | 1,753 |
| Return on assets (ROA) | 1.2842% | 1,831 |
| Pretax return on assets | 1.2842% | 2,558 |
| Return on Equity (ROE) | 9.0902% | 2,711 |
| Retained earnings to average equity (ytd only) | 3.2689% | 3,377 |
| Net charge-offs to loans | -0.0108% | 4,490 |
| Credit loss provision to net charge-offs | -596.1538% | 4,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3595% | 4,389 |
| Assets per employee ($millions) | 9.4798% | 416 |
| Cash dividends to net income (ytd only)* | 64.0390% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6864% | 828 |
| Loan loss allowance to noncurrent loans | 1,761.8644% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.2465% | 3,457 |
| Noncurrent loans to loans | 0.0957% | 4,142 |
| Net loans and leases to total assets | 77.4842% | 1,163 |
| Net loans and leases to deposits | 90.6279% | 1,524 |
| Net loans and leases to core deposits | 106.8431% | 1,062 |
| Total domestic deposits to total assets | 85.4971% | 2,295 |
| Equity capital to assets | 14.2015% | 1,032 |
| Core capital (leverage) ratio | 14.6140% | 773 |
| Tier 1 risk-based capital ratio | 22.5823% | 955 |
| Total risk-based capital ratio | 23.8429% | 939 |
| Memoranda: | ||
| Average total assets | $311,175,800 | 2,099 |
| Average earning assets | $303,536,200 | 1,998 |
| Average equity | $43,959,400 | 1,790 |
| Average total loans | $241,302,200 | 1,880 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1443% | 4,050 |
| Cost of funding earning assets | 1.2110% | 1,011 |
| Net interest margin | 2.9332% | 4,718 |
| Noninterest income to average assets | 0.0918% | 5,014 |
| Noninterest expense to average assets | 1.4030% | 5,113 |
| Loan and lease loss provision to assets | 0.0584% | 2,731 |
| Net operating income to assets | 1.4914% | 1,209 |
| Return on assets (ROA) | 1.4914% | 1,266 |
| Pretax return on assets | 1.4914% | 1,979 |
| Return on Equity (ROE) | 10.5709% | 2,181 |
| Retained earnings to average equity (ytd only) | 4.1785% | 3,316 |
| Net charge-offs to loans | 0.0133% | 2,896 |
| Credit loss provision to net charge-offs | 566.6667% | 568 |
| Earnings coverage of net charge-offs (x) | 150.4963% | 538 |
| Efficiency ratio | 47.5153% | 4,879 |
| Assets per employee ($millions) | 9.7393% | 377 |
| Cash dividends to net income (ytd only)* | 60.4719% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6741% | 862 |
| Loan loss allowance to noncurrent loans | 579.1785% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.3789% | 2,986 |
| Noncurrent loans to loans | 0.2891% | 3,500 |
| Net loans and leases to total assets | 77.0584% | 1,301 |
| Net loans and leases to deposits | 90.1487% | 1,679 |
| Net loans and leases to core deposits | 106.0244% | 1,181 |
| Total domestic deposits to total assets | 85.4792% | 2,222 |
| Equity capital to assets | 14.2349% | 1,063 |
| Core capital (leverage) ratio | 14.4033% | 879 |
| Tier 1 risk-based capital ratio | 22.8111% | 965 |
| Total risk-based capital ratio | 24.0714% | 944 |
| Memoranda: | ||
| Average total assets | $310,761,500 | 2,109 |
| Average earning assets | $303,092,250 | 2,016 |
| Average equity | $43,842,500 | 1,806 |
| Average total loans | $239,989,250 | 1,896 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0969% | 4,171 |
| Cost of funding earning assets | 1.1824% | 1,039 |
| Net interest margin | 2.9144% | 4,810 |
| Noninterest income to average assets | 0.0902% | 5,077 |
| Noninterest expense to average assets | 1.4172% | 5,151 |
| Loan and lease loss provision to assets | 0.0515% | 2,783 |
| Net operating income to assets | 1.4636% | 1,249 |
| Return on assets (ROA) | 1.4636% | 1,304 |
| Pretax return on assets | 1.4636% | 1,977 |
| Return on Equity (ROE) | 10.4056% | 2,211 |
| Retained earnings to average equity (ytd only) | 5.9677% | 2,294 |
| Net charge-offs to loans | -0.0008% | 3,890 |
| Credit loss provision to net charge-offs | -8,000.0000% | 4,521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3304% | 4,883 |
| Assets per employee ($millions) | 9.1580% | 438 |
| Cash dividends to net income (ytd only)* | 42.6496% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6878% | 843 |
| Loan loss allowance to noncurrent loans | 1,190.0293% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.2700% | 3,476 |
| Noncurrent loans to loans | 0.1418% | 4,049 |
| Net loans and leases to total assets | 78.2121% | 1,184 |
| Net loans and leases to deposits | 91.9605% | 1,488 |
| Net loans and leases to core deposits | 108.4551% | 1,067 |
| Total domestic deposits to total assets | 85.0496% | 2,452 |
| Equity capital to assets | 14.6562% | 907 |
| Core capital (leverage) ratio | 14.0916% | 942 |
| Tier 1 risk-based capital ratio | 22.8783% | 955 |
| Total risk-based capital ratio | 24.1386% | 931 |
| Memoranda: | ||
| Average total assets | $310,463,000 | 2,111 |
| Average earning assets | $302,767,330 | 2,018 |
| Average equity | $43,668,670 | 1,805 |
| Average total loans | $238,570,000 | 1,914 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9542% | 4,464 |
| Cost of funding earning assets | 1.0671% | 1,301 |
| Net interest margin | 2.8872% | 4,896 |
| Noninterest income to average assets | 0.0915% | 5,111 |
| Noninterest expense to average assets | 1.2791% | 5,266 |
| Loan and lease loss provision to assets | 0.0826% | 2,047 |
| Net operating income to assets | 1.5474% | 1,014 |
| Return on assets (ROA) | 1.5474% | 1,042 |
| Pretax return on assets | 1.5474% | 1,616 |
| Return on Equity (ROE) | 11.2278% | 1,855 |
| Retained earnings to average equity (ytd only) | 6.7625% | 2,132 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9685% | 5,101 |
| Assets per employee ($millions) | 9.7425% | 370 |
| Cash dividends to net income (ytd only)* | 39.7699% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6924% | 875 |
| Loan loss allowance to noncurrent loans | 1,113.4986% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.2688% | 3,538 |
| Noncurrent loans to loans | 0.1520% | 4,055 |
| Net loans and leases to total assets | 75.3127% | 1,594 |
| Net loans and leases to deposits | 87.8803% | 1,890 |
| Net loans and leases to core deposits | 102.5955% | 1,407 |
| Total domestic deposits to total assets | 85.6993% | 2,407 |
| Equity capital to assets | 14.0246% | 1,030 |
| Core capital (leverage) ratio | 14.3251% | 861 |
| Tier 1 risk-based capital ratio | 23.2560% | 908 |
| Total risk-based capital ratio | 24.5166% | 887 |
| Memoranda: | ||
| Average total assets | $314,588,000 | 2,096 |
| Average earning assets | $307,012,500 | 2,015 |
| Average equity | $43,356,500 | 1,805 |
| Average total loans | $237,642,500 | 1,936 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7366% | 4,612 |
| Cost of funding earning assets | 0.6383% | 2,473 |
| Net interest margin | 3.0983% | 4,656 |
| Noninterest income to average assets | 0.0307% | 5,303 |
| Noninterest expense to average assets | 1.5156% | 5,216 |
| Loan and lease loss provision to assets | 0.2324% | 768 |
| Net operating income to assets | 1.3044% | 1,778 |
| Return on assets (ROA) | 1.3044% | 1,766 |
| Pretax return on assets | 1.3044% | 2,484 |
| Return on Equity (ROE) | 9.6835% | 2,646 |
| Retained earnings to average equity (ytd only) | 3.2270% | 3,789 |
| Net charge-offs to loans | 0.0084% | 3,392 |
| Credit loss provision to net charge-offs | 3,868.4211% | 135 |
| Earnings coverage of net charge-offs (x) | 255.8421% | 374 |
| Efficiency ratio | 49.6530% | 4,962 |
| Assets per employee ($millions) | 9.9193% | 349 |
| Cash dividends to net income (ytd only)* | 66.6747% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6820% | 863 |
| Loan loss allowance to noncurrent loans | 1,706.8670% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.2231% | 3,713 |
| Noncurrent loans to loans | 0.0985% | 4,295 |
| Net loans and leases to total assets | 73.2386% | 2,055 |
| Net loans and leases to deposits | 84.9284% | 2,417 |
| Net loans and leases to core deposits | 90.3375% | 2,547 |
| Total domestic deposits to total assets | 86.2357% | 2,120 |
| Equity capital to assets | 13.5437% | 1,126 |
| Core capital (leverage) ratio | 13.2488% | 1,159 |
| Tier 1 risk-based capital ratio | 23.1895% | 898 |
| Total risk-based capital ratio | 24.4501% | 869 |
| Memoranda: | ||
| Average total assets | $316,316,600 | 2,060 |
| Average earning assets | $308,492,600 | 1,979 |
| Average equity | $42,608,600 | 1,754 |
| Average total loans | $227,060,000 | 1,976 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6547% | 4,721 |
| Cost of funding earning assets | 0.5824% | 2,611 |
| Net interest margin | 3.0723% | 4,749 |
| Noninterest income to average assets | 0.0131% | 5,404 |
| Noninterest expense to average assets | 1.3475% | 5,352 |
| Loan and lease loss provision to assets | 0.0907% | 2,165 |
| Net operating income to assets | 1.5706% | 1,025 |
| Return on assets (ROA) | 1.5706% | 1,028 |
| Pretax return on assets | 1.5706% | 1,673 |
| Return on Equity (ROE) | 11.6761% | 1,918 |
| Retained earnings to average equity (ytd only) | 4.8266% | 3,334 |
| Net charge-offs to loans | -0.0024% | 4,111 |
| Credit loss provision to net charge-offs | -5,375.0000% | 4,856 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7841% | 5,194 |
| Assets per employee ($millions) | 10.1181% | 317 |
| Cash dividends to net income (ytd only)* | 58.6624% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5202% | 1,280 |
| Loan loss allowance to noncurrent loans | 1,251.7986% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.2252% | 3,814 |
| Noncurrent loans to loans | 0.1214% | 4,344 |
| Net loans and leases to total assets | 69.6263% | 2,705 |
| Net loans and leases to deposits | 80.5085% | 2,986 |
| Net loans and leases to core deposits | 85.5262% | 3,043 |
| Total domestic deposits to total assets | 86.4831% | 1,973 |
| Equity capital to assets | 13.3282% | 1,201 |
| Core capital (leverage) ratio | 13.4331% | 1,129 |
| Tier 1 risk-based capital ratio | 24.1362% | 831 |
| Total risk-based capital ratio | 25.3946% | 807 |
| Memoranda: | ||
| Average total assets | $316,041,750 | 2,078 |
| Average earning assets | $308,160,250 | 1,991 |
| Average equity | $42,513,250 | 1,764 |
| Average total loans | $224,713,000 | 1,995 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6073% | 4,752 |
| Cost of funding earning assets | 0.5687% | 2,442 |
| Net interest margin | 3.0387% | 4,821 |
| Noninterest income to average assets | -0.0306% | 5,511 |
| Noninterest expense to average assets | 1.3794% | 5,403 |
| Loan and lease loss provision to assets | 0.1117% | 1,771 |
| Net operating income to assets | 1.4375% | 1,318 |
| Return on assets (ROA) | 1.4375% | 1,318 |
| Pretax return on assets | 1.4375% | 2,028 |
| Return on Equity (ROE) | 10.6526% | 2,254 |
| Retained earnings to average equity (ytd only) | 6.0710% | 2,515 |
| Net charge-offs to loans | -0.0018% | 3,934 |
| Credit loss provision to net charge-offs | -8,750.0000% | 4,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1024% | 5,164 |
| Assets per employee ($millions) | 9.9895% | 316 |
| Cash dividends to net income (ytd only)* | 43.0093% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5192% | 1,338 |
| Loan loss allowance to noncurrent loans | 598.9547% | 958 |
| Noncurrent assets plus other real estate owned to assets | 0.3206% | 3,483 |
| Noncurrent loans to loans | 0.2536% | 3,794 |
| Net loans and leases to total assets | 69.7195% | 2,624 |
| Net loans and leases to deposits | 80.7013% | 2,878 |
| Net loans and leases to core deposits | 85.6974% | 2,951 |
| Total domestic deposits to total assets | 86.3920% | 2,099 |
| Equity capital to assets | 13.4200% | 1,131 |
| Core capital (leverage) ratio | 13.5074% | 1,060 |
| Tier 1 risk-based capital ratio | 24.2270% | 813 |
| Total risk-based capital ratio | 25.4853% | 786 |
| Memoranda: | ||
| Average total assets | $313,462,330 | 2,105 |
| Average earning assets | $305,266,330 | 2,019 |
| Average equity | $42,299,670 | 1,777 |
| Average total loans | $223,312,000 | 2,001 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5616% | 4,775 |
| Cost of funding earning assets | 0.5533% | 2,376 |
| Net interest margin | 3.0082% | 4,866 |
| Noninterest income to average assets | 0.1340% | 5,195 |
| Noninterest expense to average assets | 1.3223% | 5,491 |
| Loan and lease loss provision to assets | 0.1160% | 1,634 |
| Net operating income to assets | 1.6175% | 823 |
| Return on assets (ROA) | 1.6175% | 825 |
| Pretax return on assets | 1.6175% | 1,342 |
| Return on Equity (ROE) | 11.9524% | 1,594 |
| Retained earnings to average equity (ytd only) | 7.3333% | 2,128 |
| Net charge-offs to loans | -0.0036% | 3,909 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2729% | 5,364 |
| Assets per employee ($millions) | 10.2595% | 299 |
| Cash dividends to net income (ytd only)* | 38.6454% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5068% | 1,440 |
| Loan loss allowance to noncurrent loans | 483.8384% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 1.0829% | 1,440 |
| Noncurrent loans to loans | 0.3114% | 3,657 |
| Net loans and leases to total assets | 68.9107% | 2,645 |
| Net loans and leases to deposits | 79.6820% | 2,845 |
| Net loans and leases to core deposits | 84.4747% | 2,937 |
| Total domestic deposits to total assets | 86.4821% | 2,326 |
| Equity capital to assets | 13.3267% | 1,102 |
| Core capital (leverage) ratio | 13.7881% | 924 |
| Tier 1 risk-based capital ratio | 24.1018% | 832 |
| Total risk-based capital ratio | 25.3597% | 807 |
| Memoranda: | ||
| Average total assets | $310,361,500 | 2,142 |
| Average earning assets | $301,440,500 | 2,051 |
| Average equity | $42,000,000 | 1,797 |
| Average total loans | $221,815,000 | 2,021 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4312% | 4,899 |
| Cost of funding earning assets | 0.5483% | 1,964 |
| Net interest margin | 2.8829% | 5,067 |
| Noninterest income to average assets | 0.1090% | 5,376 |
| Noninterest expense to average assets | 1.6056% | 5,410 |
| Loan and lease loss provision to assets | 0.0967% | 2,276 |
| Net operating income to assets | 1.2033% | 1,511 |
| Return on assets (ROA) | 1.2033% | 1,540 |
| Pretax return on assets | 1.2033% | 2,759 |
| Return on Equity (ROE) | 8.7873% | 2,408 |
| Retained earnings to average equity (ytd only) | 2.7560% | 3,662 |
| Net charge-offs to loans | 0.2959% | 881 |
| Credit loss provision to net charge-offs | 46.0443% | 3,374 |
| Earnings coverage of net charge-offs (x) | 6.1915% | 3,219 |
| Efficiency ratio | 55.2595% | 4,837 |
| Assets per employee ($millions) | 10.4372% | 273 |
| Cash dividends to net income (ytd only)* | 68.6361% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4748% | 1,493 |
| Loan loss allowance to noncurrent loans | 501.6923% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.9746% | 1,587 |
| Noncurrent loans to loans | 0.2940% | 3,727 |
| Net loans and leases to total assets | 71.9738% | 2,242 |
| Net loans and leases to deposits | 83.6330% | 2,533 |
| Net loans and leases to core deposits | 88.6376% | 2,675 |
| Total domestic deposits to total assets | 86.0591% | 2,406 |
| Equity capital to assets | 13.7489% | 972 |
| Core capital (leverage) ratio | 13.3310% | 1,028 |
| Tier 1 risk-based capital ratio | 23.9638% | 817 |
| Total risk-based capital ratio | 25.2214% | 799 |
| Memoranda: | ||
| Average total assets | $301,017,200 | 2,162 |
| Average earning assets | $292,001,000 | 2,086 |
| Average equity | $41,218,800 | 1,808 |
| Average total loans | $213,579,200 | 2,050 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3785% | 4,991 |
| Cost of funding earning assets | 0.5437% | 1,939 |
| Net interest margin | 2.8348% | 5,172 |
| Noninterest income to average assets | 0.1113% | 5,440 |
| Noninterest expense to average assets | 1.4402% | 5,559 |
| Loan and lease loss provision to assets | 0.1025% | 2,063 |
| Net operating income to assets | 1.3182% | 1,277 |
| Return on assets (ROA) | 1.3182% | 1,311 |
| Pretax return on assets | 1.3182% | 2,402 |
| Return on Equity (ROE) | 9.6367% | 2,289 |
| Retained earnings to average equity (ytd only) | 3.0577% | 4,087 |
| Net charge-offs to loans | 0.3993% | 533 |
| Credit loss provision to net charge-offs | 36.4353% | 3,028 |
| Earnings coverage of net charge-offs (x) | 5.0521% | 3,159 |
| Efficiency ratio | 50.3411% | 5,225 |
| Assets per employee ($millions) | 10.3685% | 278 |
| Cash dividends to net income (ytd only)* | 68.2706% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4687% | 1,652 |
| Loan loss allowance to noncurrent loans | 516.8013% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.9384% | 1,819 |
| Noncurrent loans to loans | 0.2842% | 3,932 |
| Net loans and leases to total assets | 68.9969% | 2,691 |
| Net loans and leases to deposits | 79.7538% | 2,997 |
| Net loans and leases to core deposits | 84.5286% | 3,086 |
| Total domestic deposits to total assets | 86.5124% | 2,099 |
| Equity capital to assets | 13.3166% | 1,245 |
| Core capital (leverage) ratio | 13.3371% | 1,085 |
| Tier 1 risk-based capital ratio | 24.2658% | 822 |
| Total risk-based capital ratio | 25.5230% | 800 |
| Memoranda: | ||
| Average total assets | $300,602,000 | 2,183 |
| Average earning assets | $291,559,500 | 2,101 |
| Average equity | $41,119,750 | 1,827 |
| Average total loans | $211,696,500 | 2,074 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3179% | 5,077 |
| Cost of funding earning assets | 0.5482% | 1,790 |
| Net interest margin | 2.7697% | 5,287 |
| Noninterest income to average assets | 0.1131% | 5,472 |
| Noninterest expense to average assets | 1.3988% | 5,627 |
| Loan and lease loss provision to assets | 0.0276% | 3,449 |
| Net operating income to assets | 1.3698% | 1,132 |
| Return on assets (ROA) | 1.3698% | 1,159 |
| Pretax return on assets | 1.3698% | 2,141 |
| Return on Equity (ROE) | 9.9222% | 2,071 |
| Retained earnings to average equity (ytd only) | 5.1976% | 2,581 |
| Net charge-offs to loans | 0.6067% | 329 |
| Credit loss provision to net charge-offs | 6.4465% | 2,874 |
| Earnings coverage of net charge-offs (x) | 3.2642% | 3,073 |
| Efficiency ratio | 50.0241% | 5,306 |
| Assets per employee ($millions) | 9.4057% | 361 |
| Cash dividends to net income (ytd only)* | 47.6167% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4225% | 1,851 |
| Loan loss allowance to noncurrent loans | 681.8594% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.9107% | 1,940 |
| Noncurrent loans to loans | 0.2086% | 4,285 |
| Net loans and leases to total assets | 69.2335% | 2,629 |
| Net loans and leases to deposits | 80.4864% | 2,858 |
| Net loans and leases to core deposits | 85.5328% | 2,930 |
| Total domestic deposits to total assets | 86.0188% | 2,369 |
| Equity capital to assets | 13.8031% | 1,040 |
| Core capital (leverage) ratio | 14.0171% | 862 |
| Tier 1 risk-based capital ratio | 24.9517% | 753 |
| Total risk-based capital ratio | 26.2081% | 737 |
| Memoranda: | ||
| Average total assets | $297,117,330 | 2,206 |
| Average earning assets | $287,831,000 | 2,126 |
| Average equity | $41,019,000 | 1,835 |
| Average total loans | $209,656,000 | 2,089 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2925% | 5,119 |
| Cost of funding earning assets | 0.5455% | 1,745 |
| Net interest margin | 2.7470% | 5,329 |
| Noninterest income to average assets | 0.1138% | 5,539 |
| Noninterest expense to average assets | 1.3117% | 5,732 |
| Loan and lease loss provision to assets | 0.0488% | 2,832 |
| Net operating income to assets | 1.4079% | 985 |
| Return on assets (ROA) | 1.4079% | 1,014 |
| Pretax return on assets | 1.4079% | 1,861 |
| Return on Equity (ROE) | 10.1973% | 1,878 |
| Retained earnings to average equity (ytd only) | 5.4372% | 2,637 |
| Net charge-offs to loans | 0.1054% | 1,319 |
| Credit loss provision to net charge-offs | 65.4545% | 1,869 |
| Earnings coverage of net charge-offs (x) | 19.5455% | 1,524 |
| Efficiency ratio | 47.3813% | 5,491 |
| Assets per employee ($millions) | 9.8701% | 319 |
| Cash dividends to net income (ytd only)* | 46.6795% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7049% | 1,131 |
| Loan loss allowance to noncurrent loans | 110.1784% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 1.0983% | 1,622 |
| Noncurrent loans to loans | 1.5474% | 1,270 |
| Net loans and leases to total assets | 69.7653% | 2,426 |
| Net loans and leases to deposits | 81.1911% | 2,605 |
| Net loans and leases to core deposits | 86.1696% | 2,692 |
| Total domestic deposits to total assets | 85.9272% | 2,702 |
| Equity capital to assets | 13.8577% | 950 |
| Core capital (leverage) ratio | 14.0622% | 828 |
| Tier 1 risk-based capital ratio | 24.9347% | 778 |
| Total risk-based capital ratio | 26.1956% | 762 |
| Memoranda: | ||
| Average total assets | $295,184,500 | 2,235 |
| Average earning assets | $285,258,500 | 2,163 |
| Average equity | $40,756,000 | 1,839 |
| Average total loans | $208,790,000 | 2,111 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1239% | 5,382 |
| Cost of funding earning assets | 0.5226% | 1,920 |
| Net interest margin | 2.6012% | 5,517 |
| Noninterest income to average assets | 0.1118% | 5,610 |
| Noninterest expense to average assets | 1.4494% | 5,747 |
| Loan and lease loss provision to assets | 0.1314% | 1,897 |
| Net operating income to assets | 1.0703% | 2,035 |
| Return on assets (ROA) | 1.0703% | 2,142 |
| Pretax return on assets | 1.0703% | 3,214 |
| Return on Equity (ROE) | 7.9662% | 2,954 |
| Retained earnings to average equity (ytd only) | 1.5175% | 4,658 |
| Net charge-offs to loans | 0.0866% | 2,461 |
| Credit loss provision to net charge-offs | 228.3237% | 1,257 |
| Earnings coverage of net charge-offs (x) | 20.8844% | 1,829 |
| Efficiency ratio | 54.6732% | 5,185 |
| Assets per employee ($millions) | 9.8089% | 324 |
| Cash dividends to net income (ytd only)* | 80.9509% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7366% | 1,065 |
| Loan loss allowance to noncurrent loans | 111.5516% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 1.0973% | 1,702 |
| Noncurrent loans to loans | 1.5567% | 1,272 |
| Net loans and leases to total assets | 69.2632% | 2,589 |
| Net loans and leases to deposits | 80.5067% | 2,838 |
| Net loans and leases to core deposits | 85.4328% | 2,891 |
| Total domestic deposits to total assets | 86.0341% | 2,567 |
| Equity capital to assets | 13.7559% | 969 |
| Core capital (leverage) ratio | 13.6819% | 903 |
| Tier 1 risk-based capital ratio | 24.9815% | 773 |
| Total risk-based capital ratio | 26.2429% | 759 |
| Memoranda: | ||
| Average total assets | $300,668,600 | 2,158 |
| Average earning assets | $293,514,000 | 2,080 |
| Average equity | $40,395,600 | 1,835 |
| Average total loans | $199,737,000 | 2,124 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0589% | 5,517 |
| Cost of funding earning assets | 0.5136% | 1,988 |
| Net interest margin | 2.5454% | 5,630 |
| Noninterest income to average assets | 0.1120% | 5,668 |
| Noninterest expense to average assets | 1.3321% | 5,850 |
| Loan and lease loss provision to assets | 0.0948% | 2,328 |
| Net operating income to assets | 1.1839% | 1,694 |
| Return on assets (ROA) | 1.1839% | 1,796 |
| Pretax return on assets | 1.1839% | 2,899 |
| Return on Equity (ROE) | 8.8634% | 2,573 |
| Retained earnings to average equity (ytd only) | 1.9219% | 4,719 |
| Net charge-offs to loans | 0.0162% | 3,403 |
| Credit loss provision to net charge-offs | 895.8333% | 456 |
| Earnings coverage of net charge-offs (x) | 120.7888% | 571 |
| Efficiency ratio | 51.0221% | 5,440 |
| Assets per employee ($millions) | 10.1037% | 290 |
| Cash dividends to net income (ytd only)* | 78.3160% | 789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7520% | 1,098 |
| Loan loss allowance to noncurrent loans | 92.4890% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 1.2738% | 1,521 |
| Noncurrent loans to loans | 1.8943% | 1,060 |
| Net loans and leases to total assets | 66.0659% | 3,110 |
| Net loans and leases to deposits | 76.4097% | 3,363 |
| Net loans and leases to core deposits | 80.6850% | 3,380 |
| Total domestic deposits to total assets | 86.4627% | 2,143 |
| Equity capital to assets | 13.3443% | 1,323 |
| Core capital (leverage) ratio | 13.0314% | 1,183 |
| Tier 1 risk-based capital ratio | 26.8668% | 649 |
| Total risk-based capital ratio | 28.1309% | 631 |
| Memoranda: | ||
| Average total assets | $302,269,250 | 2,161 |
| Average earning assets | $296,739,750 | 2,066 |
| Average equity | $40,374,750 | 1,846 |
| Average total loans | $197,816,250 | 2,140 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0537% | 5,593 |
| Cost of funding earning assets | 0.5046% | 2,066 |
| Net interest margin | 2.5491% | 5,710 |
| Noninterest income to average assets | 0.1113% | 5,737 |
| Noninterest expense to average assets | 1.3020% | 5,942 |
| Loan and lease loss provision to assets | 0.0199% | 3,742 |
| Net operating income to assets | 1.2921% | 1,287 |
| Return on assets (ROA) | 1.2921% | 1,401 |
| Pretax return on assets | 1.2921% | 2,440 |
| Return on Equity (ROE) | 9.6703% | 2,192 |
| Retained earnings to average equity (ytd only) | 4.8674% | 2,812 |
| Net charge-offs to loans | 0.0378% | 2,705 |
| Credit loss provision to net charge-offs | 81.0811% | 2,351 |
| Earnings coverage of net charge-offs (x) | 53.5405% | 953 |
| Efficiency ratio | 49.8100% | 5,574 |
| Assets per employee ($millions) | 10.2879% | 252 |
| Cash dividends to net income (ytd only)* | 49.6668% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7172% | 1,240 |
| Loan loss allowance to noncurrent loans | 197.5981% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 0.5531% | 3,364 |
| Noncurrent loans to loans | 0.8691% | 2,571 |
| Net loans and leases to total assets | 62.5481% | 3,561 |
| Net loans and leases to deposits | 72.2478% | 3,761 |
| Net loans and leases to core deposits | 76.2235% | 3,802 |
| Total domestic deposits to total assets | 86.5745% | 2,122 |
| Equity capital to assets | 13.2350% | 1,366 |
| Core capital (leverage) ratio | 13.4066% | 1,014 |
| Tier 1 risk-based capital ratio | 28.1592% | 582 |
| Total risk-based capital ratio | 29.4228% | 570 |
| Memoranda: | ||
| Average total assets | $301,988,670 | 2,169 |
| Average earning assets | $296,492,670 | 2,075 |
| Average equity | $40,350,330 | 1,840 |
| Average total loans | $195,813,670 | 2,160 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0678% | 5,633 |
| Cost of funding earning assets | 0.5006% | 2,098 |
| Net interest margin | 2.5672% | 5,749 |
| Noninterest income to average assets | 0.1045% | 5,809 |
| Noninterest expense to average assets | 1.3246% | 5,989 |
| Loan and lease loss provision to assets | 0.0201% | 3,430 |
| Net operating income to assets | 1.2804% | 1,304 |
| Return on assets (ROA) | 1.2804% | 1,394 |
| Pretax return on assets | 1.2804% | 2,382 |
| Return on Equity (ROE) | 9.5358% | 2,187 |
| Retained earnings to average equity (ytd only) | 4.6981% | 3,121 |
| Net charge-offs to loans | 0.0389% | 2,216 |
| Credit loss provision to net charge-offs | 78.9474% | 1,842 |
| Earnings coverage of net charge-offs (x) | 51.1053% | 878 |
| Efficiency ratio | 50.4592% | 5,605 |
| Assets per employee ($millions) | 9.7177% | 310 |
| Cash dividends to net income (ytd only)* | 50.7322% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7384% | 1,269 |
| Loan loss allowance to noncurrent loans | 181.8966% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 0.6161% | 3,218 |
| Noncurrent loans to loans | 0.9557% | 2,467 |
| Net loans and leases to total assets | 63.3429% | 3,337 |
| Net loans and leases to deposits | 73.3032% | 3,520 |
| Net loans and leases to core deposits | 77.4253% | 3,557 |
| Total domestic deposits to total assets | 86.4122% | 2,488 |
| Equity capital to assets | 13.3899% | 1,224 |
| Core capital (leverage) ratio | 13.4546% | 1,003 |
| Tier 1 risk-based capital ratio | 28.0492% | 605 |
| Total risk-based capital ratio | 29.3127% | 589 |
| Memoranda: | ||
| Average total assets | $298,665,000 | 2,197 |
| Average earning assets | $293,242,000 | 2,103 |
| Average equity | $40,101,500 | 1,843 |
| Average total loans | $195,511,000 | 2,160 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1243% | 5,609 |
| Cost of funding earning assets | 0.5090% | 2,082 |
| Net interest margin | 2.6153% | 5,741 |
| Noninterest income to average assets | 0.1082% | 5,851 |
| Noninterest expense to average assets | 1.4608% | 6,001 |
| Loan and lease loss provision to assets | 0.0953% | 2,411 |
| Net operating income to assets | 1.1162% | 1,850 |
| Return on assets (ROA) | 1.1162% | 1,915 |
| Pretax return on assets | 1.1162% | 2,977 |
| Return on Equity (ROE) | 8.2577% | 2,819 |
| Retained earnings to average equity (ytd only) | 1.8172% | 4,694 |
| Net charge-offs to loans | 0.0336% | 3,540 |
| Credit loss provision to net charge-offs | 424.2424% | 725 |
| Earnings coverage of net charge-offs (x) | 53.9545% | 951 |
| Efficiency ratio | 54.6658% | 5,476 |
| Assets per employee ($millions) | 9.5510% | 314 |
| Cash dividends to net income (ytd only)* | 77.9945% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7173% | 1,315 |
| Loan loss allowance to noncurrent loans | 154.1268% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 0.7407% | 2,834 |
| Noncurrent loans to loans | 1.1142% | 2,110 |
| Net loans and leases to total assets | 65.3355% | 3,079 |
| Net loans and leases to deposits | 75.6707% | 3,295 |
| Net loans and leases to core deposits | 79.9251% | 3,355 |
| Total domestic deposits to total assets | 86.3419% | 2,466 |
| Equity capital to assets | 13.4646% | 1,141 |
| Core capital (leverage) ratio | 13.0746% | 1,119 |
| Tier 1 risk-based capital ratio | 26.9625% | 666 |
| Total risk-based capital ratio | 28.2252% | 649 |
| Memoranda: | ||
| Average total assets | $293,943,800 | 2,185 |
| Average earning assets | $288,193,200 | 2,082 |
| Average equity | $39,732,400 | 1,810 |
| Average total loans | $196,681,400 | 2,104 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1257% | 5,676 |
| Cost of funding earning assets | 0.5072% | 2,149 |
| Net interest margin | 2.6185% | 5,816 |
| Noninterest income to average assets | 0.1104% | 5,913 |
| Noninterest expense to average assets | 1.3533% | 6,124 |
| Loan and lease loss provision to assets | 0.0273% | 3,712 |
| Net operating income to assets | 1.2964% | 1,351 |
| Return on assets (ROA) | 1.2964% | 1,407 |
| Pretax return on assets | 1.2964% | 2,415 |
| Return on Equity (ROE) | 9.5819% | 2,279 |
| Retained earnings to average equity (ytd only) | 2.5223% | 4,617 |
| Net charge-offs to loans | 0.0102% | 3,816 |
| Credit loss provision to net charge-offs | 400.0000% | 757 |
| Earnings coverage of net charge-offs (x) | 194.1950% | 371 |
| Efficiency ratio | 50.5517% | 5,748 |
| Assets per employee ($millions) | 8.9622% | 375 |
| Cash dividends to net income (ytd only)* | 73.6770% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6313% | 1,671 |
| Loan loss allowance to noncurrent loans | 138.2860% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 0.8323% | 2,792 |
| Noncurrent loans to loans | 1.1796% | 2,169 |
| Net loans and leases to total assets | 67.5161% | 2,769 |
| Net loans and leases to deposits | 78.5951% | 3,038 |
| Net loans and leases to core deposits | 83.0456% | 3,152 |
| Total domestic deposits to total assets | 85.9037% | 2,583 |
| Equity capital to assets | 13.9108% | 1,060 |
| Core capital (leverage) ratio | 13.5831% | 985 |
| Tier 1 risk-based capital ratio | 26.9006% | 696 |
| Total risk-based capital ratio | 28.1622% | 672 |
| Memoranda: | ||
| Average total assets | $293,409,500 | 2,201 |
| Average earning assets | $287,588,250 | 2,100 |
| Average equity | $39,699,000 | 1,828 |
| Average total loans | $196,645,250 | 2,117 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1015% | 5,745 |
| Cost of funding earning assets | 0.5018% | 2,235 |
| Net interest margin | 2.5996% | 5,886 |
| Noninterest income to average assets | 0.1082% | 5,996 |
| Noninterest expense to average assets | 1.3098% | 6,222 |
| Loan and lease loss provision to assets | 0.0338% | 3,437 |
| Net operating income to assets | 1.3125% | 1,280 |
| Return on assets (ROA) | 1.3125% | 1,339 |
| Pretax return on assets | 1.3125% | 2,318 |
| Return on Equity (ROE) | 9.7897% | 2,162 |
| Retained earnings to average equity (ytd only) | 4.8999% | 2,924 |
| Net charge-offs to loans | -0.0061% | 4,790 |
| Credit loss provision to net charge-offs | -833.3333% | 5,313 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3123% | 5,884 |
| Assets per employee ($millions) | 9.2788% | 334 |
| Cash dividends to net income (ytd only)* | 49.9485% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6415% | 1,782 |
| Loan loss allowance to noncurrent loans | 112.8942% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 0.9861% | 2,553 |
| Noncurrent loans to loans | 1.4540% | 1,827 |
| Net loans and leases to total assets | 65.0202% | 3,122 |
| Net loans and leases to deposits | 75.3344% | 3,336 |
| Net loans and leases to core deposits | 79.6148% | 3,433 |
| Total domestic deposits to total assets | 86.3088% | 2,523 |
| Equity capital to assets | 13.5104% | 1,165 |
| Core capital (leverage) ratio | 13.1345% | 1,121 |
| Tier 1 risk-based capital ratio | 26.8303% | 717 |
| Total risk-based capital ratio | 28.0917% | 704 |
| Memoranda: | ||
| Average total assets | $295,615,670 | 2,202 |
| Average earning assets | $289,732,000 | 2,110 |
| Average equity | $39,633,670 | 1,840 |
| Average total loans | $196,580,000 | 2,116 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1123% | 5,766 |
| Cost of funding earning assets | 0.4966% | 2,318 |
| Net interest margin | 2.6157% | 5,904 |
| Noninterest income to average assets | 0.1085% | 6,043 |
| Noninterest expense to average assets | 1.3195% | 6,276 |
| Loan and lease loss provision to assets | 0.0203% | 3,450 |
| Net operating income to assets | 1.3330% | 1,175 |
| Return on assets (ROA) | 1.3330% | 1,250 |
| Pretax return on assets | 1.3330% | 2,140 |
| Return on Equity (ROE) | 9.9815% | 2,016 |
| Retained earnings to average equity (ytd only) | 5.0567% | 3,024 |
| Net charge-offs to loans | -0.0122% | 4,810 |
| Credit loss provision to net charge-offs | -250.0000% | 4,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3658% | 5,958 |
| Assets per employee ($millions) | 9.5902% | 291 |
| Cash dividends to net income (ytd only)* | 49.3388% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6179% | 1,980 |
| Loan loss allowance to noncurrent loans | 113.9843% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 0.9654% | 2,690 |
| Noncurrent loans to loans | 1.4194% | 2,024 |
| Net loans and leases to total assets | 65.1851% | 2,901 |
| Net loans and leases to deposits | 75.3735% | 3,126 |
| Net loans and leases to core deposits | 79.6957% | 3,203 |
| Total domestic deposits to total assets | 86.4828% | 2,676 |
| Equity capital to assets | 13.3342% | 1,246 |
| Core capital (leverage) ratio | 13.2211% | 1,081 |
| Tier 1 risk-based capital ratio | 25.9357% | 791 |
| Total risk-based capital ratio | 27.1958% | 772 |
| Memoranda: | ||
| Average total assets | $294,963,500 | 2,222 |
| Average earning assets | $289,175,500 | 2,117 |
| Average equity | $39,393,000 | 1,862 |
| Average total loans | $196,730,000 | 2,114 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1386% | 5,913 |
| Cost of funding earning assets | 0.5055% | 2,614 |
| Net interest margin | 2.6331% | 6,030 |
| Noninterest income to average assets | 0.0938% | 6,174 |
| Noninterest expense to average assets | 1.4225% | 6,341 |
| Loan and lease loss provision to assets | 0.2010% | 1,263 |
| Net operating income to assets | 1.0498% | 2,163 |
| Return on assets (ROA) | 1.0498% | 2,236 |
| Pretax return on assets | 1.0498% | 3,304 |
| Return on Equity (ROE) | 7.9149% | 3,176 |
| Retained earnings to average equity (ytd only) | 1.1242% | 5,269 |
| Net charge-offs to loans | 0.0796% | 3,353 |
| Credit loss provision to net charge-offs | 382.0513% | 685 |
| Earnings coverage of net charge-offs (x) | 23.7692% | 1,565 |
| Efficiency ratio | 53.2114% | 5,906 |
| Assets per employee ($millions) | 9.4397% | 294 |
| Cash dividends to net income (ytd only)* | 85.7969% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6114% | 2,051 |
| Loan loss allowance to noncurrent loans | 104.3163% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 1.0371% | 2,669 |
| Noncurrent loans to loans | 1.5447% | 1,896 |
| Net loans and leases to total assets | 66.0608% | 2,868 |
| Net loans and leases to deposits | 76.4197% | 3,152 |
| Net loans and leases to core deposits | 81.0029% | 3,197 |
| Total domestic deposits to total assets | 86.4447% | 2,600 |
| Equity capital to assets | 13.3765% | 1,204 |
| Core capital (leverage) ratio | 12.8504% | 1,198 |
| Tier 1 risk-based capital ratio | 25.7662% | 778 |
| Total risk-based capital ratio | 27.0267% | 762 |
| Memoranda: | ||
| Average total assets | $296,447,800 | 2,173 |
| Average earning assets | $290,417,400 | 2,066 |
| Average equity | $39,318,200 | 1,799 |
| Average total loans | $195,989,800 | 2,064 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1184% | 6,006 |
| Cost of funding earning assets | 0.5062% | 2,696 |
| Net interest margin | 2.6122% | 6,119 |
| Noninterest income to average assets | 0.0919% | 6,276 |
| Noninterest expense to average assets | 1.2840% | 6,463 |
| Loan and lease loss provision to assets | 0.0879% | 2,593 |
| Net operating income to assets | 1.2786% | 1,442 |
| Return on assets (ROA) | 1.2786% | 1,494 |
| Pretax return on assets | 1.2786% | 2,464 |
| Return on Equity (ROE) | 9.6606% | 2,372 |
| Retained earnings to average equity (ytd only) | 3.0960% | 4,418 |
| Net charge-offs to loans | 0.0585% | 3,379 |
| Credit loss provision to net charge-offs | 227.9070% | 1,141 |
| Earnings coverage of net charge-offs (x) | 35.4430% | 1,220 |
| Efficiency ratio | 48.4438% | 6,179 |
| Assets per employee ($millions) | 9.5376% | 276 |
| Cash dividends to net income (ytd only)* | 67.9525% | 1,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4294% | 3,033 |
| Loan loss allowance to noncurrent loans | 131.1142% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 0.7136% | 3,678 |
| Noncurrent loans to loans | 1.0902% | 2,891 |
| Net loans and leases to total assets | 64.0789% | 3,162 |
| Net loans and leases to deposits | 73.7705% | 3,462 |
| Net loans and leases to core deposits | 77.8803% | 3,553 |
| Total domestic deposits to total assets | 86.8625% | 2,392 |
| Equity capital to assets | 12.9803% | 1,431 |
| Core capital (leverage) ratio | 13.2179% | 1,092 |
| Tier 1 risk-based capital ratio | 25.4325% | 841 |
| Total risk-based capital ratio | 26.6895% | 827 |
| Memoranda: | ||
| Average total assets | $297,401,750 | 2,191 |
| Average earning assets | $291,294,000 | 2,073 |
| Average equity | $39,361,750 | 1,812 |
| Average total loans | $195,867,000 | 2,083 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1278% | 6,030 |
| Cost of funding earning assets | 0.5143% | 2,683 |
| Net interest margin | 2.6136% | 6,157 |
| Noninterest income to average assets | 0.1045% | 6,272 |
| Noninterest expense to average assets | 1.2741% | 6,535 |
| Loan and lease loss provision to assets | 0.0719% | 2,834 |
| Net operating income to assets | 1.3168% | 1,257 |
| Return on assets (ROA) | 1.3168% | 1,307 |
| Pretax return on assets | 1.3168% | 2,193 |
| Return on Equity (ROE) | 9.8836% | 2,206 |
| Retained earnings to average equity (ytd only) | 5.7896% | 2,457 |
| Net charge-offs to loans | 0.0072% | 4,141 |
| Credit loss provision to net charge-offs | 1,514.2857% | 238 |
| Earnings coverage of net charge-offs (x) | 292.4286% | 233 |
| Efficiency ratio | 47.8471% | 6,294 |
| Assets per employee ($millions) | 9.4676% | 280 |
| Cash dividends to net income (ytd only)* | 41.4219% | 2,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4309% | 3,193 |
| Loan loss allowance to noncurrent loans | 130.8476% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 0.7598% | 3,690 |
| Noncurrent loans to loans | 1.0936% | 3,044 |
| Net loans and leases to total assets | 64.2319% | 3,038 |
| Net loans and leases to deposits | 74.1084% | 3,300 |
| Net loans and leases to core deposits | 78.2367% | 3,412 |
| Total domestic deposits to total assets | 86.6730% | 2,653 |
| Equity capital to assets | 13.1498% | 1,292 |
| Core capital (leverage) ratio | 13.2156% | 1,080 |
| Tier 1 risk-based capital ratio | 25.7747% | 799 |
| Total risk-based capital ratio | 27.0318% | 779 |
| Memoranda: | ||
| Average total assets | $294,801,670 | 2,196 |
| Average earning assets | $288,570,000 | 2,084 |
| Average equity | $39,277,000 | 1,805 |
| Average total loans | $195,020,670 | 2,088 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1462% | 6,068 |
| Cost of funding earning assets | 0.5213% | 2,699 |
| Net interest margin | 2.6248% | 6,199 |
| Noninterest income to average assets | 0.1114% | 6,295 |
| Noninterest expense to average assets | 1.2837% | 6,604 |
| Loan and lease loss provision to assets | 0.0358% | 3,343 |
| Net operating income to assets | 1.3621% | 1,073 |
| Return on assets (ROA) | 1.3621% | 1,119 |
| Pretax return on assets | 1.3621% | 1,876 |
| Return on Equity (ROE) | 10.1549% | 1,978 |
| Retained earnings to average equity (ytd only) | 6.0314% | 2,523 |
| Net charge-offs to loans | 0.0186% | 3,214 |
| Credit loss provision to net charge-offs | 288.8889% | 819 |
| Earnings coverage of net charge-offs (x) | 112.8889% | 417 |
| Efficiency ratio | 47.8707% | 6,359 |
| Assets per employee ($millions) | 9.5347% | 276 |
| Cash dividends to net income (ytd only)* | 40.6061% | 1,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4132% | 3,535 |
| Loan loss allowance to noncurrent loans | 112.8807% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 0.8871% | 3,518 |
| Noncurrent loans to loans | 1.2520% | 2,946 |
| Net loans and leases to total assets | 64.7378% | 2,768 |
| Net loans and leases to deposits | 74.8089% | 2,966 |
| Net loans and leases to core deposits | 79.0830% | 3,078 |
| Total domestic deposits to total assets | 86.5375% | 3,086 |
| Equity capital to assets | 13.2926% | 1,171 |
| Core capital (leverage) ratio | 13.3904% | 1,009 |
| Tier 1 risk-based capital ratio | 26.0535% | 787 |
| Total risk-based capital ratio | 27.3108% | 773 |
| Memoranda: | ||
| Average total assets | $290,721,000 | 2,227 |
| Average earning assets | $284,665,000 | 2,113 |
| Average equity | $38,996,000 | 1,805 |
| Average total loans | $193,819,000 | 2,107 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3485% | 5,919 |
| Cost of funding earning assets | 0.6090% | 2,581 |
| Net interest margin | 2.7396% | 6,088 |
| Noninterest income to average assets | 0.0799% | 6,460 |
| Noninterest expense to average assets | 1.4755% | 6,585 |
| Loan and lease loss provision to assets | 0.2777% | 1,253 |
| Net operating income to assets | 0.9703% | 2,467 |
| Return on assets (ROA) | 0.9703% | 2,534 |
| Pretax return on assets | 0.9703% | 3,474 |
| Return on Equity (ROE) | 6.9766% | 3,567 |
| Retained earnings to average equity (ytd only) | 0.7600% | 5,495 |
| Net charge-offs to loans | 0.3896% | 1,729 |
| Credit loss provision to net charge-offs | 105.8743% | 2,282 |
| Earnings coverage of net charge-offs (x) | 4.7582% | 3,469 |
| Efficiency ratio | 54.1771% | 6,121 |
| Assets per employee ($millions) | 9.2215% | 307 |
| Cash dividends to net income (ytd only)* | 89.1064% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4085% | 3,611 |
| Loan loss allowance to noncurrent loans | 114.2498% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 0.9018% | 3,633 |
| Noncurrent loans to loans | 1.2328% | 3,078 |
| Net loans and leases to total assets | 66.7514% | 2,563 |
| Net loans and leases to deposits | 77.3549% | 2,809 |
| Net loans and leases to core deposits | 82.1844% | 2,875 |
| Total domestic deposits to total assets | 86.2925% | 3,117 |
| Equity capital to assets | 13.5386% | 1,053 |
| Core capital (leverage) ratio | 13.1500% | 1,083 |
| Tier 1 risk-based capital ratio | 25.6854% | 797 |
| Total risk-based capital ratio | 26.9424% | 784 |
| Memoranda: | ||
| Average total assets | $279,092,000 | 2,276 |
| Average earning assets | $269,312,800 | 2,184 |
| Average equity | $38,815,400 | 1,795 |
| Average total loans | $187,887,800 | 2,123 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3815% | 5,923 |
| Cost of funding earning assets | 0.6215% | 2,634 |
| Net interest margin | 2.7600% | 6,078 |
| Noninterest income to average assets | 0.1014% | 6,476 |
| Noninterest expense to average assets | 1.3444% | 6,719 |
| Loan and lease loss provision to assets | 0.2283% | 1,585 |
| Net operating income to assets | 1.1819% | 1,694 |
| Return on assets (ROA) | 1.1819% | 1,764 |
| Pretax return on assets | 1.1819% | 2,775 |
| Return on Equity (ROE) | 8.4404% | 2,905 |
| Retained earnings to average equity (ytd only) | 1.7883% | 5,246 |
| Net charge-offs to loans | 0.2681% | 2,208 |
| Credit loss provision to net charge-offs | 126.6667% | 1,859 |
| Earnings coverage of net charge-offs (x) | 7.8240% | 2,724 |
| Efficiency ratio | 48.8047% | 6,465 |
| Assets per employee ($millions) | 9.6552% | 254 |
| Cash dividends to net income (ytd only)* | 78.8128% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4513% | 3,682 |
| Loan loss allowance to noncurrent loans | 143.3059% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 0.7695% | 4,181 |
| Noncurrent loans to loans | 1.0127% | 3,782 |
| Net loans and leases to total assets | 65.2405% | 2,757 |
| Net loans and leases to deposits | 75.5074% | 3,023 |
| Net loans and leases to core deposits | 80.2938% | 3,101 |
| Total domestic deposits to total assets | 86.4028% | 3,027 |
| Equity capital to assets | 13.4394% | 1,141 |
| Core capital (leverage) ratio | 13.5757% | 994 |
| Tier 1 risk-based capital ratio | 25.9981% | 788 |
| Total risk-based capital ratio | 27.2557% | 773 |
| Memoranda: | ||
| Average total assets | $277,398,750 | 2,304 |
| Average earning assets | $266,657,000 | 2,210 |
| Average equity | $38,843,750 | 1,810 |
| Average total loans | $186,473,500 | 2,136 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4300% | 5,840 |
| Cost of funding earning assets | 0.6378% | 2,607 |
| Net interest margin | 2.7923% | 6,018 |
| Noninterest income to average assets | 0.1142% | 6,481 |
| Noninterest expense to average assets | 1.3355% | 6,767 |
| Loan and lease loss provision to assets | 0.2708% | 1,361 |
| Net operating income to assets | 1.1767% | 1,652 |
| Return on assets (ROA) | 1.1767% | 1,761 |
| Pretax return on assets | 1.1767% | 2,779 |
| Return on Equity (ROE) | 8.2853% | 2,950 |
| Retained earnings to average equity (ytd only) | 4.1427% | 3,649 |
| Net charge-offs to loans | 0.2815% | 2,072 |
| Credit loss provision to net charge-offs | 142.3077% | 1,599 |
| Earnings coverage of net charge-offs (x) | 7.6077% | 2,525 |
| Efficiency ratio | 47.9884% | 6,536 |
| Assets per employee ($millions) | 9.3287% | 265 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4899% | 3,632 |
| Loan loss allowance to noncurrent loans | 120.8568% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 0.9451% | 3,895 |
| Noncurrent loans to loans | 1.2328% | 3,493 |
| Net loans and leases to total assets | 65.9880% | 2,599 |
| Net loans and leases to deposits | 76.9084% | 2,742 |
| Net loans and leases to core deposits | 84.5825% | 2,482 |
| Total domestic deposits to total assets | 85.8008% | 3,476 |
| Equity capital to assets | 14.0109% | 967 |
| Core capital (leverage) ratio | 14.1047% | 798 |
| Tier 1 risk-based capital ratio | 26.0769% | 765 |
| Total risk-based capital ratio | 27.3345% | 746 |
| Memoranda: | ||
| Average total assets | $273,313,000 | 2,338 |
| Average earning assets | $261,221,000 | 2,257 |
| Average equity | $38,815,670 | 1,808 |
| Average total loans | $184,712,670 | 2,159 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4457% | 5,845 |
| Cost of funding earning assets | 0.6413% | 2,732 |
| Net interest margin | 2.8044% | 6,023 |
| Noninterest income to average assets | 0.1067% | 6,549 |
| Noninterest expense to average assets | 1.3642% | 6,840 |
| Loan and lease loss provision to assets | 0.2296% | 1,593 |
| Net operating income to assets | 1.2206% | 1,475 |
| Return on assets (ROA) | 1.2206% | 1,583 |
| Pretax return on assets | 1.2206% | 2,508 |
| Return on Equity (ROE) | 8.5349% | 2,700 |
| Retained earnings to average equity (ytd only) | 4.3710% | 3,614 |
| Net charge-offs to loans | 0.2815% | 1,838 |
| Credit loss provision to net charge-offs | 120.1550% | 1,594 |
| Earnings coverage of net charge-offs (x) | 7.5891% | 2,047 |
| Efficiency ratio | 48.4737% | 6,591 |
| Assets per employee ($millions) | 8.8230% | 337 |
| Cash dividends to net income (ytd only)* | 48.7864% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4697% | 3,934 |
| Loan loss allowance to noncurrent loans | 126.0586% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 0.9078% | 4,125 |
| Noncurrent loans to loans | 1.1659% | 3,825 |
| Net loans and leases to total assets | 66.4029% | 2,300 |
| Net loans and leases to deposits | 77.5412% | 2,411 |
| Net loans and leases to core deposits | 82.6974% | 2,490 |
| Total domestic deposits to total assets | 85.6357% | 3,715 |
| Equity capital to assets | 14.1965% | 964 |
| Core capital (leverage) ratio | 14.5308% | 662 |
| Tier 1 risk-based capital ratio | 26.1494% | 771 |
| Total risk-based capital ratio | 27.4067% | 758 |
| Memoranda: | ||
| Average total assets | $270,039,500 | 2,393 |
| Average earning assets | $260,733,000 | 2,285 |
| Average equity | $38,618,000 | 1,842 |
| Average total loans | $183,335,500 | 2,177 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4599% | 6,400 |
| Cost of funding earning assets | 0.8065% | 2,616 |
| Net interest margin | 2.6535% | 6,582 |
| Noninterest income to average assets | 0.1194% | 6,437 |
| Noninterest expense to average assets | 1.4311% | 6,900 |
| Loan and lease loss provision to assets | 0.1904% | 3,259 |
| Net operating income to assets | 1.0622% | 2,080 |
| Return on assets (ROA) | 1.0622% | 2,270 |
| Pretax return on assets | 1.0622% | 3,309 |
| Return on Equity (ROE) | 7.7237% | 3,220 |
| Retained earnings to average equity (ytd only) | 1.9107% | 4,873 |
| Net charge-offs to loans | 0.3362% | 2,953 |
| Credit loss provision to net charge-offs | 87.4794% | 3,574 |
| Earnings coverage of net charge-offs (x) | 5.7562% | 2,960 |
| Efficiency ratio | 53.3262% | 6,343 |
| Assets per employee ($millions) | 8.3302% | 436 |
| Cash dividends to net income (ytd only)* | 75.2616% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4709% | 3,862 |
| Loan loss allowance to noncurrent loans | 117.3228% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 0.9956% | 4,042 |
| Noncurrent loans to loans | 1.2537% | 3,744 |
| Net loans and leases to total assets | 67.3977% | 2,297 |
| Net loans and leases to deposits | 78.8972% | 2,413 |
| Net loans and leases to core deposits | 84.2643% | 2,520 |
| Total domestic deposits to total assets | 85.4247% | 3,648 |
| Equity capital to assets | 14.4080% | 907 |
| Core capital (leverage) ratio | 13.7540% | 872 |
| Tier 1 risk-based capital ratio | 26.3982% | 733 |
| Total risk-based capital ratio | 27.6553% | 727 |
| Memoranda: | ||
| Average total assets | $278,951,800 | 2,280 |
| Average earning assets | $269,572,400 | 2,163 |
| Average equity | $38,362,600 | 1,812 |
| Average total loans | $180,541,600 | 2,196 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4473% | 6,563 |
| Cost of funding earning assets | 0.8308% | 2,701 |
| Net interest margin | 2.6165% | 6,745 |
| Noninterest income to average assets | 0.1168% | 6,556 |
| Noninterest expense to average assets | 1.2929% | 7,049 |
| Loan and lease loss provision to assets | 0.0927% | 4,436 |
| Net operating income to assets | 1.2546% | 1,561 |
| Return on assets (ROA) | 1.2546% | 1,725 |
| Pretax return on assets | 1.2546% | 2,773 |
| Return on Equity (ROE) | 9.2267% | 2,703 |
| Retained earnings to average equity (ytd only) | 3.2540% | 4,576 |
| Net charge-offs to loans | 0.2199% | 3,409 |
| Credit loss provision to net charge-offs | 65.9933% | 4,005 |
| Earnings coverage of net charge-offs (x) | 9.5960% | 2,304 |
| Efficiency ratio | 48.9705% | 6,665 |
| Assets per employee ($millions) | 8.9418% | 338 |
| Cash dividends to net income (ytd only)* | 64.7325% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4916% | 3,987 |
| Loan loss allowance to noncurrent loans | 118.3964% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 0.9205% | 4,439 |
| Noncurrent loans to loans | 1.2598% | 3,947 |
| Net loans and leases to total assets | 61.3488% | 3,505 |
| Net loans and leases to deposits | 71.0433% | 3,741 |
| Net loans and leases to core deposits | 75.9428% | 3,735 |
| Total domestic deposits to total assets | 86.3540% | 3,060 |
| Equity capital to assets | 13.4936% | 1,351 |
| Core capital (leverage) ratio | 13.2489% | 1,086 |
| Tier 1 risk-based capital ratio | 26.9050% | 750 |
| Total risk-based capital ratio | 28.1621% | 733 |
| Memoranda: | ||
| Average total assets | $282,048,000 | 2,281 |
| Average earning assets | $272,012,500 | 2,174 |
| Average equity | $38,351,500 | 1,830 |
| Average total loans | $180,091,500 | 2,225 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4831% | 6,628 |
| Cost of funding earning assets | 0.8453% | 2,835 |
| Net interest margin | 2.6378% | 6,788 |
| Noninterest income to average assets | 0.1176% | 6,596 |
| Noninterest expense to average assets | 1.2840% | 7,113 |
| Loan and lease loss provision to assets | 0.0577% | 4,936 |
| Net operating income to assets | 1.3196% | 1,392 |
| Return on assets (ROA) | 1.3196% | 1,541 |
| Pretax return on assets | 1.3196% | 2,483 |
| Return on Equity (ROE) | 9.6798% | 2,493 |
| Retained earnings to average equity (ytd only) | 6.2406% | 2,541 |
| Net charge-offs to loans | 0.1594% | 3,645 |
| Credit loss provision to net charge-offs | 56.2500% | 3,896 |
| Earnings coverage of net charge-offs (x) | 13.4236% | 1,795 |
| Efficiency ratio | 48.2463% | 6,763 |
| Assets per employee ($millions) | 9.0766% | 307 |
| Cash dividends to net income (ytd only)* | 35.5292% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4896% | 4,054 |
| Loan loss allowance to noncurrent loans | 94.6629% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 0.9805% | 4,412 |
| Noncurrent loans to loans | 1.5736% | 3,549 |
| Net loans and leases to total assets | 61.3828% | 3,554 |
| Net loans and leases to deposits | 71.0097% | 3,763 |
| Net loans and leases to core deposits | 75.6890% | 3,793 |
| Total domestic deposits to total assets | 86.4428% | 3,102 |
| Equity capital to assets | 13.3819% | 1,346 |
| Core capital (leverage) ratio | 13.8325% | 854 |
| Tier 1 risk-based capital ratio | 26.4657% | 770 |
| Total risk-based capital ratio | 27.7226% | 759 |
| Memoranda: | ||
| Average total assets | $280,685,330 | 2,299 |
| Average earning assets | $270,677,670 | 2,184 |
| Average equity | $38,265,330 | 1,828 |
| Average total loans | $180,722,330 | 2,218 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5566% | 6,624 |
| Cost of funding earning assets | 0.8741% | 2,883 |
| Net interest margin | 2.6825% | 6,794 |
| Noninterest income to average assets | 0.1175% | 6,665 |
| Noninterest expense to average assets | 1.3343% | 7,156 |
| Loan and lease loss provision to assets | 0.0508% | 4,776 |
| Net operating income to assets | 1.3183% | 1,408 |
| Return on assets (ROA) | 1.3183% | 1,577 |
| Pretax return on assets | 1.3183% | 2,480 |
| Return on Equity (ROE) | 9.5775% | 2,569 |
| Retained earnings to average equity (ytd only) | 6.1111% | 2,891 |
| Net charge-offs to loans | 0.1263% | 3,350 |
| Credit loss provision to net charge-offs | 61.4035% | 3,087 |
| Earnings coverage of net charge-offs (x) | 16.5614% | 1,354 |
| Efficiency ratio | 49.3562% | 6,716 |
| Assets per employee ($millions) | 8.9286% | 332 |
| Cash dividends to net income (ytd only)* | 36.1936% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5134% | 4,090 |
| Loan loss allowance to noncurrent loans | 86.9717% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 1.1428% | 4,223 |
| Noncurrent loans to loans | 1.7400% | 3,504 |
| Net loans and leases to total assets | 64.3525% | 2,795 |
| Net loans and leases to deposits | 74.8551% | 2,993 |
| Net loans and leases to core deposits | 81.8352% | 2,857 |
| Total domestic deposits to total assets | 85.9694% | 3,546 |
| Equity capital to assets | 13.8207% | 1,082 |
| Core capital (leverage) ratio | 14.1213% | 773 |
| Tier 1 risk-based capital ratio | 26.1157% | 794 |
| Total risk-based capital ratio | 27.3732% | 779 |
| Memoranda: | ||
| Average total assets | $275,802,500 | 2,339 |
| Average earning assets | $265,874,000 | 2,232 |
| Average equity | $37,964,000 | 1,833 |
| Average total loans | $180,592,000 | 2,232 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7545% | 6,781 |
| Cost of funding earning assets | 1.0915% | 2,726 |
| Net interest margin | 2.6630% | 6,958 |
| Noninterest income to average assets | 0.1404% | 6,446 |
| Noninterest expense to average assets | 1.4859% | 7,177 |
| Loan and lease loss provision to assets | 0.1773% | 4,418 |
| Net operating income to assets | 1.0632% | 1,945 |
| Return on assets (ROA) | 1.0632% | 2,089 |
| Pretax return on assets | 1.0632% | 2,990 |
| Return on Equity (ROE) | 7.7319% | 3,041 |
| Retained earnings to average equity (ytd only) | 2.7926% | 4,252 |
| Net charge-offs to loans | 0.3345% | 3,724 |
| Credit loss provision to net charge-offs | 80.4348% | 4,431 |
| Earnings coverage of net charge-offs (x) | 5.6288% | 2,730 |
| Efficiency ratio | 54.5012% | 6,467 |
| Assets per employee ($millions) | 8.5880% | 380 |
| Cash dividends to net income (ytd only)* | 63.8821% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5300% | 3,889 |
| Loan loss allowance to noncurrent loans | 80.1802% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 1.2648% | 4,114 |
| Noncurrent loans to loans | 1.9082% | 3,333 |
| Net loans and leases to total assets | 64.6132% | 3,055 |
| Net loans and leases to deposits | 75.0572% | 3,337 |
| Net loans and leases to core deposits | 83.8641% | 2,910 |
| Total domestic deposits to total assets | 86.0853% | 3,270 |
| Equity capital to assets | 13.7088% | 1,171 |
| Core capital (leverage) ratio | 13.7505% | 881 |
| Tier 1 risk-based capital ratio | 26.2484% | 757 |
| Total risk-based capital ratio | 27.5066% | 745 |
| Memoranda: | ||
| Average total assets | $271,350,000 | 2,329 |
| Average earning assets | $263,499,800 | 2,217 |
| Average equity | $37,313,000 | 1,805 |
| Average total loans | $178,755,000 | 2,266 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7806% | 6,865 |
| Cost of funding earning assets | 1.1337% | 2,750 |
| Net interest margin | 2.6469% | 7,036 |
| Noninterest income to average assets | 0.1341% | 6,582 |
| Noninterest expense to average assets | 1.3891% | 7,279 |
| Loan and lease loss provision to assets | 0.1213% | 4,918 |
| Net operating income to assets | 1.2018% | 1,647 |
| Return on assets (ROA) | 1.2018% | 1,757 |
| Pretax return on assets | 1.2018% | 2,628 |
| Return on Equity (ROE) | 8.7328% | 2,722 |
| Retained earnings to average equity (ytd only) | 3.1163% | 4,466 |
| Net charge-offs to loans | 0.2557% | 3,833 |
| Credit loss provision to net charge-offs | 71.9298% | 4,418 |
| Earnings coverage of net charge-offs (x) | 7.8479% | 2,284 |
| Efficiency ratio | 51.2177% | 6,752 |
| Assets per employee ($millions) | 8.6107% | 383 |
| Cash dividends to net income (ytd only)* | 64.3148% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5826% | 3,742 |
| Loan loss allowance to noncurrent loans | 74.9528% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 1.3744% | 4,069 |
| Noncurrent loans to loans | 2.1115% | 3,231 |
| Net loans and leases to total assets | 62.7422% | 3,560 |
| Net loans and leases to deposits | 72.9004% | 3,821 |
| Net loans and leases to core deposits | 81.0206% | 3,486 |
| Total domestic deposits to total assets | 86.0656% | 3,182 |
| Equity capital to assets | 13.6103% | 1,320 |
| Core capital (leverage) ratio | 13.6224% | 1,008 |
| Tier 1 risk-based capital ratio | 26.0073% | 838 |
| Total risk-based capital ratio | 27.2660% | 813 |
| Memoranda: | ||
| Average total assets | $270,483,250 | 2,353 |
| Average earning assets | $263,446,000 | 2,224 |
| Average equity | $37,222,750 | 1,812 |
| Average total loans | $178,362,000 | 2,282 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8333% | 6,884 |
| Cost of funding earning assets | 1.1638% | 2,817 |
| Net interest margin | 2.6694% | 7,060 |
| Noninterest income to average assets | 0.1280% | 6,687 |
| Noninterest expense to average assets | 1.3914% | 7,359 |
| Loan and lease loss provision to assets | 0.1533% | 4,395 |
| Net operating income to assets | 1.1808% | 1,633 |
| Return on assets (ROA) | 1.1808% | 1,718 |
| Pretax return on assets | 1.1808% | 2,558 |
| Return on Equity (ROE) | 8.5484% | 2,698 |
| Retained earnings to average equity (ytd only) | 4.9017% | 3,059 |
| Net charge-offs to loans | 0.1328% | 4,415 |
| Credit loss provision to net charge-offs | 173.1092% | 1,747 |
| Earnings coverage of net charge-offs (x) | 15.0672% | 1,433 |
| Efficiency ratio | 51.0511% | 6,869 |
| Assets per employee ($millions) | 8.4411% | 394 |
| Cash dividends to net income (ytd only)* | 42.6591% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6450% | 3,516 |
| Loan loss allowance to noncurrent loans | 79.1188% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 1.4024% | 4,117 |
| Noncurrent loans to loans | 2.0791% | 3,376 |
| Net loans and leases to total assets | 65.5868% | 3,117 |
| Net loans and leases to deposits | 76.4414% | 3,390 |
| Net loans and leases to core deposits | 84.4318% | 3,144 |
| Total domestic deposits to total assets | 85.8001% | 3,444 |
| Equity capital to assets | 13.8986% | 1,134 |
| Core capital (leverage) ratio | 13.9987% | 870 |
| Tier 1 risk-based capital ratio | 25.8458% | 824 |
| Total risk-based capital ratio | 27.1056% | 806 |
| Memoranda: | ||
| Average total assets | $268,797,000 | 2,377 |
| Average earning assets | $261,553,000 | 2,240 |
| Average equity | $37,129,670 | 1,802 |
| Average total loans | $179,262,330 | 2,297 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8379% | 6,903 |
| Cost of funding earning assets | 1.1874% | 2,900 |
| Net interest margin | 2.6505% | 7,073 |
| Noninterest income to average assets | 0.1328% | 6,748 |
| Noninterest expense to average assets | 1.3321% | 7,440 |
| Loan and lease loss provision to assets | 0.0075% | 5,789 |
| Net operating income to assets | 1.3739% | 1,108 |
| Return on assets (ROA) | 1.3739% | 1,158 |
| Pretax return on assets | 1.3739% | 1,798 |
| Return on Equity (ROE) | 9.9774% | 2,103 |
| Retained earnings to average equity (ytd only) | 6.3158% | 2,456 |
| Net charge-offs to loans | 0.0112% | 4,930 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 185.2000% | 171 |
| Efficiency ratio | 49.0929% | 7,057 |
| Assets per employee ($millions) | 8.6581% | 369 |
| Cash dividends to net income (ytd only)* | 36.6992% | 1,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5973% | 3,742 |
| Loan loss allowance to noncurrent loans | 76.9190% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 1.4091% | 4,164 |
| Noncurrent loans to loans | 2.0766% | 3,477 |
| Net loans and leases to total assets | 66.0134% | 3,002 |
| Net loans and leases to deposits | 76.9181% | 3,273 |
| Net loans and leases to core deposits | 84.6043% | 3,085 |
| Total domestic deposits to total assets | 85.8230% | 3,625 |
| Equity capital to assets | 13.8655% | 1,040 |
| Core capital (leverage) ratio | 13.8403% | 886 |
| Tier 1 risk-based capital ratio | 25.2160% | 856 |
| Total risk-based capital ratio | 26.4749% | 835 |
| Memoranda: | ||
| Average total assets | $268,138,500 | 2,404 |
| Average earning assets | $261,078,000 | 2,261 |
| Average equity | $36,923,500 | 1,801 |
| Average total loans | $178,832,500 | 2,323 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3120% | 6,774 |
| Cost of funding earning assets | 1.4643% | 2,865 |
| Net interest margin | 2.8478% | 6,973 |
| Noninterest income to average assets | 0.1569% | 6,602 |
| Noninterest expense to average assets | 1.5860% | 7,415 |
| Loan and lease loss provision to assets | 0.3452% | 4,070 |
| Net operating income to assets | 0.9529% | 2,194 |
| Return on assets (ROA) | 0.9529% | 2,318 |
| Pretax return on assets | 0.9529% | 3,096 |
| Return on Equity (ROE) | 6.8374% | 3,189 |
| Retained earnings to average equity (ytd only) | 1.3240% | 4,881 |
| Net charge-offs to loans | 0.5132% | 3,563 |
| Credit loss provision to net charge-offs | 98.2740% | 4,709 |
| Earnings coverage of net charge-offs (x) | 3.6958% | 3,233 |
| Efficiency ratio | 54.9921% | 6,715 |
| Assets per employee ($millions) | 8.3712% | 417 |
| Cash dividends to net income (ytd only)* | 80.6362% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6193% | 3,508 |
| Loan loss allowance to noncurrent loans | 204.1164% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 0.5420% | 5,945 |
| Noncurrent loans to loans | 0.7933% | 5,454 |
| Net loans and leases to total assets | 65.2288% | 3,616 |
| Net loans and leases to deposits | 75.8548% | 3,866 |
| Net loans and leases to core deposits | 83.3570% | 3,694 |
| Total domestic deposits to total assets | 85.9917% | 3,361 |
| Equity capital to assets | 13.6749% | 1,135 |
| Core capital (leverage) ratio | 13.8410% | 874 |
| Tier 1 risk-based capital ratio | 24.6935% | 874 |
| Total risk-based capital ratio | 25.9520% | 856 |
| Memoranda: | ||
| Average total assets | $263,929,400 | 2,415 |
| Average earning assets | $252,757,200 | 2,320 |
| Average equity | $36,783,200 | 1,802 |
| Average total loans | $180,623,600 | 2,347 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3786% | 6,850 |
| Cost of funding earning assets | 1.5354% | 2,748 |
| Net interest margin | 2.8432% | 7,091 |
| Noninterest income to average assets | 0.1582% | 6,734 |
| Noninterest expense to average assets | 1.4644% | 7,566 |
| Loan and lease loss provision to assets | 0.1019% | 6,004 |
| Net operating income to assets | 1.3027% | 1,332 |
| Return on assets (ROA) | 1.3027% | 1,403 |
| Pretax return on assets | 1.3027% | 2,161 |
| Return on Equity (ROE) | 9.3024% | 2,389 |
| Retained earnings to average equity (ytd only) | 3.1250% | 4,247 |
| Net charge-offs to loans | 0.4675% | 3,416 |
| Credit loss provision to net charge-offs | 31.6038% | 6,134 |
| Earnings coverage of net charge-offs (x) | 4.3553% | 3,085 |
| Efficiency ratio | 51.0428% | 7,069 |
| Assets per employee ($millions) | 8.3514% | 444 |
| Cash dividends to net income (ytd only)* | 66.4071% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3808% | 4,570 |
| Loan loss allowance to noncurrent loans | 302.9593% | 970 |
| Noncurrent assets plus other real estate owned to assets | 0.3196% | 6,589 |
| Noncurrent loans to loans | 0.4558% | 6,276 |
| Net loans and leases to total assets | 65.6646% | 3,761 |
| Net loans and leases to deposits | 76.4342% | 4,094 |
| Net loans and leases to core deposits | 83.9642% | 3,943 |
| Total domestic deposits to total assets | 85.9100% | 3,122 |
| Equity capital to assets | 13.8479% | 1,223 |
| Core capital (leverage) ratio | 13.5930% | 1,033 |
| Tier 1 risk-based capital ratio | 24.6946% | 878 |
| Total risk-based capital ratio | 25.9490% | 864 |
| Memoranda: | ||
| Average total assets | $262,942,500 | 2,464 |
| Average earning assets | $250,696,250 | 2,364 |
| Average equity | $36,821,000 | 1,815 |
| Average total loans | $181,377,250 | 2,379 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4570% | 6,786 |
| Cost of funding earning assets | 1.5919% | 2,704 |
| Net interest margin | 2.8651% | 7,062 |
| Noninterest income to average assets | 0.1583% | 6,762 |
| Noninterest expense to average assets | 1.4914% | 7,618 |
| Loan and lease loss provision to assets | 0.0191% | 6,735 |
| Net operating income to assets | 1.3636% | 1,163 |
| Return on assets (ROA) | 1.3636% | 1,234 |
| Pretax return on assets | 1.3636% | 1,910 |
| Return on Equity (ROE) | 9.7011% | 2,212 |
| Retained earnings to average equity (ytd only) | 6.1537% | 2,251 |
| Net charge-offs to loans | 0.0318% | 5,898 |
| Credit loss provision to net charge-offs | 86.2069% | 4,541 |
| Earnings coverage of net charge-offs (x) | 62.3448% | 497 |
| Efficiency ratio | 51.8893% | 7,083 |
| Assets per employee ($millions) | 8.3642% | 434 |
| Cash dividends to net income (ytd only)* | 36.5676% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6018% | 3,437 |
| Loan loss allowance to noncurrent loans | 611.8644% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.2275% | 6,824 |
| Noncurrent loans to loans | 0.2618% | 6,708 |
| Net loans and leases to total assets | 66.2823% | 3,769 |
| Net loans and leases to deposits | 77.2548% | 4,119 |
| Net loans and leases to core deposits | 84.8907% | 4,009 |
| Total domestic deposits to total assets | 85.7970% | 3,207 |
| Equity capital to assets | 13.9269% | 1,192 |
| Core capital (leverage) ratio | 14.5217% | 815 |
| Tier 1 risk-based capital ratio | 24.3184% | 908 |
| Total risk-based capital ratio | 25.5762% | 886 |
| Memoranda: | ||
| Average total assets | $261,508,000 | 2,491 |
| Average earning assets | $247,877,670 | 2,415 |
| Average equity | $36,758,670 | 1,809 |
| Average total loans | $182,522,000 | 2,395 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4988% | 6,795 |
| Cost of funding earning assets | 1.6471% | 2,670 |
| Net interest margin | 2.8517% | 7,097 |
| Noninterest income to average assets | 0.1501% | 6,896 |
| Noninterest expense to average assets | 1.2522% | 7,818 |
| Loan and lease loss provision to assets | 0.0232% | 6,422 |
| Net operating income to assets | 1.6081% | 739 |
| Return on assets (ROA) | 1.6081% | 790 |
| Pretax return on assets | 1.6081% | 1,246 |
| Return on Equity (ROE) | 11.3863% | 1,675 |
| Retained earnings to average equity (ytd only) | 7.7808% | 1,801 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4246% | 7,636 |
| Assets per employee ($millions) | 8.1093% | 495 |
| Cash dividends to net income (ytd only)* | 31.6651% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5833% | 3,522 |
| Loan loss allowance to noncurrent loans | 726.7500% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.4497% | 6,339 |
| Noncurrent loans to loans | 0.2179% | 6,902 |
| Net loans and leases to total assets | 69.6315% | 3,024 |
| Net loans and leases to deposits | 81.4219% | 3,379 |
| Net loans and leases to core deposits | 90.6848% | 3,272 |
| Total domestic deposits to total assets | 85.5194% | 3,406 |
| Equity capital to assets | 14.2024% | 1,095 |
| Core capital (leverage) ratio | 14.6241% | 824 |
| Tier 1 risk-based capital ratio | 23.5232% | 1,010 |
| Total risk-based capital ratio | 24.7806% | 985 |
| Memoranda: | ||
| Average total assets | $258,434,500 | 2,574 |
| Average earning assets | $247,710,000 | 2,471 |
| Average equity | $36,500,000 | 1,843 |
| Average total loans | $183,635,000 | 2,443 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8075% | 6,936 |
| Cost of funding earning assets | 1.9866% | 3,020 |
| Net interest margin | 2.8208% | 7,026 |
| Noninterest income to average assets | 0.1601% | 6,928 |
| Noninterest expense to average assets | 1.6358% | 7,745 |
| Loan and lease loss provision to assets | 0.3033% | 5,006 |
| Net operating income to assets | 0.9487% | 2,009 |
| Return on assets (ROA) | 0.9487% | 2,063 |
| Pretax return on assets | 0.9338% | 2,817 |
| Return on Equity (ROE) | 6.4683% | 3,006 |
| Retained earnings to average equity (ytd only) | 0.8697% | 4,417 |
| Net charge-offs to loans | 0.2483% | 5,072 |
| Credit loss provision to net charge-offs | 169.8876% | 2,512 |
| Earnings coverage of net charge-offs (x) | 6.9303% | 2,260 |
| Efficiency ratio | 56.9394% | 6,894 |
| Assets per employee ($millions) | 8.3023% | 446 |
| Cash dividends to net income (ytd only)* | 86.5539% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5746% | 3,379 |
| Loan loss allowance to noncurrent loans | 707.0905% | 493 |
| Noncurrent assets plus other real estate owned to assets | 0.4565% | 6,313 |
| Noncurrent loans to loans | 0.2227% | 6,873 |
| Net loans and leases to total assets | 70.2405% | 3,202 |
| Net loans and leases to deposits | 82.0115% | 3,611 |
| Net loans and leases to core deposits | 107.3701% | 3,175 |
| Total domestic deposits to total assets | 85.6471% | 3,201 |
| Equity capital to assets | 14.0440% | 1,157 |
| Core capital (leverage) ratio | 14.1663% | 956 |
| Tier 1 risk-based capital ratio | 22.7938% | 1,063 |
| Total risk-based capital ratio | 24.0506% | 1,039 |
| Memoranda: | ||
| Average total assets | $249,293,000 | 2,613 |
| Average earning assets | $239,752,800 | 2,502 |
| Average equity | $36,563,000 | 1,841 |
| Average total loans | $179,238,600 | 2,524 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8542% | 7,001 |
| Cost of funding earning assets | 2.0532% | 3,105 |
| Net interest margin | 2.8010% | 7,064 |
| Noninterest income to average assets | 0.1650% | 7,025 |
| Noninterest expense to average assets | 1.4844% | 7,894 |
| Loan and lease loss provision to assets | 0.2243% | 5,178 |
| Net operating income to assets | 1.1765% | 1,525 |
| Return on assets (ROA) | 1.1765% | 1,578 |
| Pretax return on assets | 1.1566% | 2,392 |
| Return on Equity (ROE) | 7.9342% | 2,668 |
| Retained earnings to average equity (ytd only) | 4.0143% | 3,032 |
| Net charge-offs to loans | 0.1849% | 4,909 |
| Credit loss provision to net charge-offs | 168.4211% | 2,777 |
| Earnings coverage of net charge-offs (x) | 10.3683% | 1,967 |
| Efficiency ratio | 51.8065% | 7,427 |
| Assets per employee ($millions) | 8.1412% | 487 |
| Cash dividends to net income (ytd only)* | 49.4043% | 2,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5314% | 3,269 |
| Loan loss allowance to noncurrent loans | 755.4945% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.5531% | 6,075 |
| Noncurrent loans to loans | 0.2027% | 6,992 |
| Net loans and leases to total assets | 70.0612% | 3,500 |
| Net loans and leases to deposits | 82.3601% | 3,948 |
| Net loans and leases to core deposits | 108.1985% | 3,445 |
| Total domestic deposits to total assets | 85.0668% | 3,199 |
| Equity capital to assets | 14.6332% | 1,109 |
| Core capital (leverage) ratio | 14.4038% | 979 |
| Tier 1 risk-based capital ratio | 23.4041% | 1,061 |
| Total risk-based capital ratio | 24.6602% | 1,035 |
| Memoranda: | ||
| Average total assets | $247,273,750 | 2,649 |
| Average earning assets | $238,386,750 | 2,540 |
| Average equity | $36,667,500 | 1,854 |
| Average total loans | $178,130,750 | 2,565 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9049% | 7,022 |
| Cost of funding earning assets | 2.1277% | 3,148 |
| Net interest margin | 2.7772% | 7,056 |
| Noninterest income to average assets | 0.1694% | 7,076 |
| Noninterest expense to average assets | 1.3902% | 8,014 |
| Loan and lease loss provision to assets | 0.1352% | 5,721 |
| Net operating income to assets | 1.3593% | 1,104 |
| Return on assets (ROA) | 1.3593% | 1,171 |
| Pretax return on assets | 1.3291% | 1,940 |
| Return on Equity (ROE) | 9.1253% | 2,316 |
| Retained earnings to average equity (ytd only) | 8.0263% | 1,197 |
| Net charge-offs to loans | 0.1340% | 4,821 |
| Credit loss provision to net charge-offs | 139.4958% | 3,349 |
| Earnings coverage of net charge-offs (x) | 15.1092% | 1,614 |
| Efficiency ratio | 48.7019% | 7,729 |
| Assets per employee ($millions) | 8.2279% | 457 |
| Cash dividends to net income (ytd only)* | 12.0431% | 3,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4701% | 3,350 |
| Loan loss allowance to noncurrent loans | 208.7371% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 0.6606% | 5,761 |
| Noncurrent loans to loans | 0.7043% | 5,837 |
| Net loans and leases to total assets | 69.0530% | 3,930 |
| Net loans and leases to deposits | 81.2610% | 4,348 |
| Net loans and leases to core deposits | 106.4776% | 3,776 |
| Total domestic deposits to total assets | 84.9768% | 3,273 |
| Equity capital to assets | 14.6218% | 1,136 |
| Core capital (leverage) ratio | 15.0195% | 913 |
| Tier 1 risk-based capital ratio | 23.5352% | 1,081 |
| Total risk-based capital ratio | 24.7903% | 1,061 |
| Memoranda: | ||
| Average total assets | $245,572,330 | 2,690 |
| Average earning assets | $237,436,000 | 2,549 |
| Average equity | $36,579,670 | 1,868 |
| Average total loans | $177,651,330 | 2,608 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0021% | 6,925 |
| Cost of funding earning assets | 2.2539% | 2,906 |
| Net interest margin | 2.7482% | 7,094 |
| Noninterest income to average assets | 0.1445% | 7,260 |
| Noninterest expense to average assets | 1.2208% | 8,111 |
| Loan and lease loss provision to assets | 0.1495% | 5,016 |
| Net operating income to assets | 1.4949% | 947 |
| Return on assets (ROA) | 1.4949% | 1,018 |
| Pretax return on assets | 1.4334% | 1,868 |
| Return on Equity (ROE) | 9.9387% | 2,342 |
| Retained earnings to average equity (ytd only) | 8.7240% | 1,561 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5427% | 7,947 |
| Assets per employee ($millions) | 8.1393% | 481 |
| Cash dividends to net income (ytd only)* | 12.2222% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4941% | 3,031 |
| Loan loss allowance to noncurrent loans | 243.2605% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.6241% | 5,624 |
| Noncurrent loans to loans | 0.6142% | 5,864 |
| Net loans and leases to total assets | 72.1191% | 3,218 |
| Net loans and leases to deposits | 85.2256% | 3,770 |
| Net loans and leases to core deposits | 114.2617% | 2,985 |
| Total domestic deposits to total assets | 84.6215% | 3,408 |
| Equity capital to assets | 14.9960% | 1,105 |
| Core capital (leverage) ratio | 15.1783% | 931 |
| Tier 1 risk-based capital ratio | 23.2755% | 1,161 |
| Total risk-based capital ratio | 24.5309% | 1,133 |
| Memoranda: | ||
| Average total assets | $240,826,000 | 2,759 |
| Average earning assets | $233,023,000 | 2,610 |
| Average equity | $36,222,000 | 1,889 |
| Average total loans | $177,098,000 | 2,628 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2909% | 7,605 |
| Cost of funding earning assets | 2.5531% | 3,941 |
| Net interest margin | 2.7378% | 7,434 |
| Noninterest income to average assets | 0.1692% | 7,214 |
| Noninterest expense to average assets | 1.4975% | 8,038 |
| Loan and lease loss provision to assets | 0.1257% | 5,761 |
| Net operating income to assets | 0.7672% | 3,584 |
| Return on assets (ROA) | 0.7672% | 3,426 |
| Pretax return on assets | 1.1862% | 2,696 |
| Return on Equity (ROE) | 5.0206% | 4,379 |
| Retained earnings to average equity (ytd only) | -3.6535% | 6,254 |
| Net charge-offs to loans | 0.0927% | 5,407 |
| Credit loss provision to net charge-offs | 198.0645% | 2,465 |
| Earnings coverage of net charge-offs (x) | 20.6645% | 1,566 |
| Efficiency ratio | 53.3022% | 7,349 |
| Assets per employee ($millions) | 7.9158% | 479 |
| Cash dividends to net income (ytd only)* | 172.7710% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4713% | 2,824 |
| Loan loss allowance to noncurrent loans | 231.6876% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 0.6485% | 5,272 |
| Noncurrent loans to loans | 0.6350% | 5,463 |
| Net loans and leases to total assets | 72.7848% | 3,418 |
| Net loans and leases to deposits | 86.2522% | 4,080 |
| Net loans and leases to core deposits | 116.7998% | 3,026 |
| Total domestic deposits to total assets | 84.3861% | 3,137 |
| Equity capital to assets | 15.0867% | 1,138 |
| Core capital (leverage) ratio | 14.9301% | 1,054 |
| Tier 1 risk-based capital ratio | 23.1719% | 1,169 |
| Total risk-based capital ratio | 24.4273% | 1,145 |
| Memoranda: | ||
| Average total assets | $244,139,600 | 2,612 |
| Average earning assets | $235,442,600 | 2,500 |
| Average equity | $37,306,600 | 1,815 |
| Average total loans | $167,294,600 | 2,664 |