Home > CBI Bank & Trust > Performance and Condition Ratios
CBI Bank & Trust, 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 | 5.2045% | 2,716 |
| Cost of funding earning assets | 1.3868% | 3,432 |
| Net interest margin | 3.8177% | 1,645 |
| Noninterest income to average assets | 0.9100% | 665 |
| Noninterest expense to average assets | 2.8419% | 1,427 |
| Loan and lease loss provision to assets | 0.1000% | 1,293 |
| Net operating income to assets | 1.0961% | 2,014 |
| Return on assets (ROA) | 1.0961% | 2,017 |
| Pretax return on assets | 1.4218% | 1,685 |
| Return on Equity (ROE) | 9.6500% | 2,421 |
| Retained earnings to average equity (ytd only) | 6.3135% | 2,179 |
| Net charge-offs to loans | 0.1713% | 584 |
| Credit loss provision to net charge-offs | 94.2922% | 1,313 |
| Earnings coverage of net charge-offs (x) | 13.7397% | 1,590 |
| Efficiency ratio | 62.8785% | 2,611 |
| Assets per employee ($millions) | 6.0263% | 2,913 |
| Cash dividends to net income (ytd only)* | 34.5543% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1325% | 2,561 |
| Loan loss allowance to noncurrent loans | 422.0302% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.1941% | 2,538 |
| Noncurrent loans to loans | 0.2683% | 2,536 |
| Net loans and leases to total assets | 62.4900% | 2,651 |
| Net loans and leases to deposits | 72.8607% | 2,665 |
| Net loans and leases to core deposits | 77.7194% | 2,839 |
| Total domestic deposits to total assets | 85.7700% | 2,386 |
| Equity capital to assets | 11.4324% | 1,448 |
| Core capital (leverage) ratio | 9.7318% | 3,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3934% | 2,079 |
| Memoranda: | ||
| Average total assets | $1,584,147,000 | 708 |
| Average earning assets | $1,431,766,000 | 710 |
| Average equity | $179,996,500 | 642 |
| Average total loans | $1,022,527,500 | 756 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2722% | 2,584 |
| Cost of funding earning assets | 1.5346% | 3,286 |
| Net interest margin | 3.7376% | 1,612 |
| Noninterest income to average assets | 0.9300% | 706 |
| Noninterest expense to average assets | 2.6180% | 1,971 |
| Loan and lease loss provision to assets | 0.0500% | 2,169 |
| Net operating income to assets | 1.2495% | 1,395 |
| Return on assets (ROA) | 1.2495% | 1,405 |
| Pretax return on assets | 1.6307% | 1,079 |
| Return on Equity (ROE) | 11.3700% | 1,774 |
| Retained earnings to average equity (ytd only) | 7.8583% | 1,156 |
| Net charge-offs to loans | 0.0422% | 1,760 |
| Credit loss provision to net charge-offs | 267.4473% | 949 |
| Earnings coverage of net charge-offs (x) | 61.2248% | 1,089 |
| Efficiency ratio | 58.5227% | 3,309 |
| Assets per employee ($millions) | 6.9568% | 2,188 |
| Cash dividends to net income (ytd only)* | 30.9119% | 2,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1145% | 2,620 |
| Loan loss allowance to noncurrent loans | 389.5664% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.2416% | 2,304 |
| Noncurrent loans to loans | 0.2861% | 2,405 |
| Net loans and leases to total assets | 65.1800% | 2,446 |
| Net loans and leases to deposits | 75.9413% | 2,469 |
| Net loans and leases to core deposits | 81.0505% | 2,706 |
| Total domestic deposits to total assets | 85.8300% | 2,273 |
| Equity capital to assets | 11.2906% | 1,462 |
| Core capital (leverage) ratio | 9.5846% | 3,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5451% | 2,035 |
| Memoranda: | ||
| Average total assets | $1,553,378,400 | 718 |
| Average earning assets | $1,400,349,600 | 721 |
| Average equity | $170,648,600 | 648 |
| Average total loans | $1,010,666,000 | 747 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1632% | 2,743 |
| Cost of funding earning assets | 1.5571% | 3,256 |
| Net interest margin | 3.6061% | 1,820 |
| Noninterest income to average assets | 0.9500% | 652 |
| Noninterest expense to average assets | 2.3713% | 2,605 |
| Loan and lease loss provision to assets | 0.0400% | 2,180 |
| Net operating income to assets | 1.3741% | 1,150 |
| Return on assets (ROA) | 1.3741% | 1,157 |
| Pretax return on assets | 1.7880% | 889 |
| Return on Equity (ROE) | 12.6000% | 1,461 |
| Retained earnings to average equity (ytd only) | 9.0485% | 1,106 |
| Net charge-offs to loans | 0.0370% | 1,595 |
| Credit loss provision to net charge-offs | 268.8172% | 904 |
| Earnings coverage of net charge-offs (x) | 76.0251% | 956 |
| Efficiency ratio | 54.1170% | 3,710 |
| Assets per employee ($millions) | 6.6318% | 2,411 |
| Cash dividends to net income (ytd only)* | 28.1637% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1123% | 2,696 |
| Loan loss allowance to noncurrent loans | 283.0274% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 0.2932% | 2,039 |
| Noncurrent loans to loans | 0.3930% | 2,096 |
| Net loans and leases to total assets | 64.2100% | 2,508 |
| Net loans and leases to deposits | 75.1225% | 2,600 |
| Net loans and leases to core deposits | 79.3806% | 2,854 |
| Total domestic deposits to total assets | 85.4700% | 2,142 |
| Equity capital to assets | 11.5940% | 1,430 |
| Core capital (leverage) ratio | 9.5171% | 3,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4778% | 2,086 |
| Memoranda: | ||
| Average total assets | $1,550,401,000 | 712 |
| Average earning assets | $1,396,772,250 | 714 |
| Average equity | $169,128,000 | 643 |
| Average total loans | $1,005,380,000 | 749 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5027% | 1,964 |
| Cost of funding earning assets | 1.5283% | 3,233 |
| Net interest margin | 3.9744% | 1,148 |
| Noninterest income to average assets | 0.9400% | 664 |
| Noninterest expense to average assets | 3.1041% | 953 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.0569% | 1,831 |
| Return on assets (ROA) | 1.0569% | 1,836 |
| Pretax return on assets | 1.3612% | 1,573 |
| Return on Equity (ROE) | 9.9000% | 2,208 |
| Retained earnings to average equity (ytd only) | 6.2672% | 1,908 |
| Net charge-offs to loans | 0.0319% | 1,530 |
| Credit loss provision to net charge-offs | 287.5000% | 836 |
| Earnings coverage of net charge-offs (x) | 68.7125% | 956 |
| Efficiency ratio | 66.3773% | 2,503 |
| Assets per employee ($millions) | 6.7722% | 2,223 |
| Cash dividends to net income (ytd only)* | 36.6793% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1147% | 2,709 |
| Loan loss allowance to noncurrent loans | 265.2041% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 0.2728% | 2,071 |
| Noncurrent loans to loans | 0.4203% | 1,944 |
| Net loans and leases to total assets | 63.7500% | 2,583 |
| Net loans and leases to deposits | 73.9083% | 2,700 |
| Net loans and leases to core deposits | 77.8230% | 2,927 |
| Total domestic deposits to total assets | 86.2500% | 1,909 |
| Equity capital to assets | 10.7525% | 1,682 |
| Core capital (leverage) ratio | 9.0609% | 3,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0264% | 2,244 |
| Memoranda: | ||
| Average total assets | $1,547,711,667 | 717 |
| Average earning assets | $1,396,471,667 | 717 |
| Average equity | $165,274,333 | 658 |
| Average total loans | $1,003,187,000 | 752 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3920% | 2,015 |
| Cost of funding earning assets | 1.4418% | 3,329 |
| Net interest margin | 3.9503% | 1,149 |
| Noninterest income to average assets | 0.9800% | 568 |
| Noninterest expense to average assets | 2.9893% | 1,106 |
| Loan and lease loss provision to assets | 0.1900% | 543 |
| Net operating income to assets | 1.0659% | 1,757 |
| Return on assets (ROA) | 1.0659% | 1,760 |
| Pretax return on assets | 1.3717% | 1,495 |
| Return on Equity (ROE) | 10.0200% | 2,124 |
| Retained earnings to average equity (ytd only) | 6.3538% | 1,997 |
| Net charge-offs to loans | 0.0124% | 1,639 |
| Credit loss provision to net charge-offs | 2,335.4839% | 185 |
| Earnings coverage of net charge-offs (x) | 193.6452% | 427 |
| Efficiency ratio | 63.6317% | 2,862 |
| Assets per employee ($millions) | 6.2130% | 2,671 |
| Cash dividends to net income (ytd only)* | 36.5675% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1397% | 2,604 |
| Loan loss allowance to noncurrent loans | 425.2295% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.1811% | 2,451 |
| Noncurrent loans to loans | 0.2680% | 2,353 |
| Net loans and leases to total assets | 63.6500% | 2,507 |
| Net loans and leases to deposits | 73.5219% | 2,636 |
| Net loans and leases to core deposits | 77.6457% | 2,879 |
| Total domestic deposits to total assets | 86.5700% | 1,916 |
| Equity capital to assets | 10.4502% | 1,750 |
| Core capital (leverage) ratio | 8.9112% | 3,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8801% | 2,283 |
| Memoranda: | ||
| Average total assets | $1,539,378,000 | 727 |
| Average earning assets | $1,390,492,500 | 727 |
| Average equity | $163,806,500 | 668 |
| Average total loans | $1,000,534,000 | 756 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6460% | 2,790 |
| Cost of funding earning assets | 1.0888% | 3,099 |
| Net interest margin | 3.5573% | 2,050 |
| Noninterest income to average assets | 1.0100% | 626 |
| Noninterest expense to average assets | 3.0493% | 1,044 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.9003% | 2,547 |
| Return on assets (ROA) | 0.9003% | 2,520 |
| Pretax return on assets | 1.2184% | 2,095 |
| Return on Equity (ROE) | 8.5200% | 2,887 |
| Retained earnings to average equity (ytd only) | -9.6811% | 4,463 |
| Net charge-offs to loans | 0.0432% | 1,461 |
| Credit loss provision to net charge-offs | 32.6923% | 2,268 |
| Earnings coverage of net charge-offs (x) | 45.0032% | 1,359 |
| Efficiency ratio | 71.0242% | 1,755 |
| Assets per employee ($millions) | 4.3859% | 3,999 |
| Cash dividends to net income (ytd only)* | 213.5922% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0232% | 3,198 |
| Loan loss allowance to noncurrent loans | 382.7295% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 0.1913% | 2,270 |
| Noncurrent loans to loans | 0.2674% | 2,229 |
| Net loans and leases to total assets | 65.1700% | 2,350 |
| Net loans and leases to deposits | 73.7809% | 2,630 |
| Net loans and leases to core deposits | 77.2377% | 2,899 |
| Total domestic deposits to total assets | 88.3200% | 1,249 |
| Equity capital to assets | 10.3445% | 1,817 |
| Core capital (leverage) ratio | 10.9772% | 1,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9634% | 1,544 |
| Memoranda: | ||
| Average total assets | $1,144,065,800 | 883 |
| Average earning assets | $1,049,237,000 | 882 |
| Average equity | $120,854,200 | 817 |
| Average total loans | $721,971,600 | 930 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5111% | 2,889 |
| Cost of funding earning assets | 1.0095% | 3,005 |
| Net interest margin | 3.5016% | 2,206 |
| Noninterest income to average assets | 1.0000% | 646 |
| Noninterest expense to average assets | 2.8905% | 1,246 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.0006% | 2,365 |
| Return on assets (ROA) | 1.0006% | 2,351 |
| Pretax return on assets | 1.2988% | 2,045 |
| Return on Equity (ROE) | 9.4200% | 2,820 |
| Retained earnings to average equity (ytd only) | -14.1767% | 4,533 |
| Net charge-offs to loans | 0.0284% | 1,508 |
| Credit loss provision to net charge-offs | 116.4474% | 1,503 |
| Earnings coverage of net charge-offs (x) | 74.4737% | 1,083 |
| Efficiency ratio | 68.3768% | 1,978 |
| Assets per employee ($millions) | 5.7454% | 2,970 |
| Cash dividends to net income (ytd only)* | 250.4368% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1178% | 2,774 |
| Loan loss allowance to noncurrent loans | 430.4187% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 0.1687% | 2,461 |
| Noncurrent loans to loans | 0.2597% | 2,307 |
| Net loans and leases to total assets | 61.6000% | 2,692 |
| Net loans and leases to deposits | 70.0753% | 2,837 |
| Net loans and leases to core deposits | 73.4565% | 3,027 |
| Total domestic deposits to total assets | 87.9100% | 1,609 |
| Equity capital to assets | 9.2024% | 2,291 |
| Core capital (leverage) ratio | 10.5773% | 2,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2146% | 1,498 |
| Memoranda: | ||
| Average total assets | $1,143,901,250 | 888 |
| Average earning assets | $1,047,868,000 | 886 |
| Average equity | $121,463,750 | 810 |
| Average total loans | $714,044,500 | 940 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4289% | 2,813 |
| Cost of funding earning assets | 0.8756% | 3,008 |
| Net interest margin | 3.5534% | 2,146 |
| Noninterest income to average assets | 0.9900% | 576 |
| Noninterest expense to average assets | 2.8664% | 1,289 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.0377% | 2,292 |
| Return on assets (ROA) | 1.0377% | 2,288 |
| Pretax return on assets | 1.3481% | 1,947 |
| Return on Equity (ROE) | 9.3400% | 2,876 |
| Retained earnings to average equity (ytd only) | 7.7574% | 2,052 |
| Net charge-offs to loans | 0.0116% | 1,763 |
| Credit loss provision to net charge-offs | 426.8293% | 707 |
| Earnings coverage of net charge-offs (x) | 191.0244% | 631 |
| Efficiency ratio | 67.2376% | 2,075 |
| Assets per employee ($millions) | 5.6542% | 3,021 |
| Cash dividends to net income (ytd only)* | 16.9664% | 2,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2291% | 2,297 |
| Loan loss allowance to noncurrent loans | 427.0914% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 0.1834% | 2,277 |
| Noncurrent loans to loans | 0.2878% | 2,109 |
| Net loans and leases to total assets | 60.8800% | 2,689 |
| Net loans and leases to deposits | 69.1706% | 2,842 |
| Net loans and leases to core deposits | 72.5688% | 2,986 |
| Total domestic deposits to total assets | 88.0100% | 1,599 |
| Equity capital to assets | 11.0440% | 1,374 |
| Core capital (leverage) ratio | 11.8760% | 1,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3194% | 1,061 |
| Memoranda: | ||
| Average total assets | $1,136,001,333 | 883 |
| Average earning assets | $1,040,023,333 | 882 |
| Average equity | $126,175,667 | 773 |
| Average total loans | $709,856,000 | 927 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3945% | 2,560 |
| Cost of funding earning assets | 0.7232% | 2,978 |
| Net interest margin | 3.6713% | 1,966 |
| Noninterest income to average assets | 1.0000% | 575 |
| Noninterest expense to average assets | 2.8839% | 1,265 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 1.0661% | 2,331 |
| Return on assets (ROA) | 1.0661% | 2,301 |
| Pretax return on assets | 1.3838% | 1,923 |
| Return on Equity (ROE) | 9.5700% | 2,907 |
| Retained earnings to average equity (ytd only) | 7.9740% | 2,227 |
| Net charge-offs to loans | 0.0136% | 1,448 |
| Credit loss provision to net charge-offs | 1,145.8333% | 330 |
| Earnings coverage of net charge-offs (x) | 173.5417% | 556 |
| Efficiency ratio | 65.7839% | 2,231 |
| Assets per employee ($millions) | 5.4297% | 3,289 |
| Cash dividends to net income (ytd only)* | 16.6834% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2418% | 2,325 |
| Loan loss allowance to noncurrent loans | 721.6545% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.1148% | 2,719 |
| Noncurrent loans to loans | 0.1721% | 2,621 |
| Net loans and leases to total assets | 62.3600% | 2,429 |
| Net loans and leases to deposits | 71.1241% | 2,532 |
| Net loans and leases to core deposits | 73.4121% | 2,727 |
| Total domestic deposits to total assets | 87.6800% | 2,032 |
| Equity capital to assets | 11.2714% | 1,239 |
| Core capital (leverage) ratio | 11.8416% | 1,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3192% | 1,107 |
| Memoranda: | ||
| Average total assets | $1,124,442,000 | 909 |
| Average earning assets | $1,029,288,500 | 905 |
| Average equity | $125,257,000 | 789 |
| Average total loans | $707,582,500 | 947 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6616% | 2,637 |
| Cost of funding earning assets | 0.2634% | 3,218 |
| Net interest margin | 3.3982% | 2,261 |
| Noninterest income to average assets | 1.1300% | 527 |
| Noninterest expense to average assets | 2.8017% | 1,311 |
| Loan and lease loss provision to assets | -0.1100% | 4,542 |
| Net operating income to assets | 1.2047% | 1,750 |
| Return on assets (ROA) | 1.0922% | 2,151 |
| Pretax return on assets | 1.4198% | 1,714 |
| Return on Equity (ROE) | 9.6700% | 2,913 |
| Retained earnings to average equity (ytd only) | 7.9751% | 1,841 |
| Net charge-offs to loans | 0.0027% | 2,401 |
| Credit loss provision to net charge-offs | -6,842.1053% | 4,712 |
| Earnings coverage of net charge-offs (x) | 866.4211% | 209 |
| Efficiency ratio | 65.6470% | 2,276 |
| Assets per employee ($millions) | 5.3051% | 3,417 |
| Cash dividends to net income (ytd only)* | 17.5552% | 2,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0852% | 2,960 |
| Loan loss allowance to noncurrent loans | 556.6079% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 0.1223% | 2,673 |
| Noncurrent loans to loans | 0.1950% | 2,503 |
| Net loans and leases to total assets | 62.0300% | 2,437 |
| Net loans and leases to deposits | 70.6616% | 2,528 |
| Net loans and leases to core deposits | 72.9119% | 2,652 |
| Total domestic deposits to total assets | 87.7800% | 2,150 |
| Equity capital to assets | 11.0051% | 1,257 |
| Core capital (leverage) ratio | 11.7186% | 1,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3814% | 1,069 |
| Memoranda: | ||
| Average total assets | $1,136,960,600 | 882 |
| Average earning assets | $1,045,379,800 | 877 |
| Average equity | $128,375,000 | 764 |
| Average total loans | $696,564,200 | 915 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4787% | 2,685 |
| Cost of funding earning assets | 0.1886% | 3,411 |
| Net interest margin | 3.2902% | 2,325 |
| Noninterest income to average assets | 1.1200% | 557 |
| Noninterest expense to average assets | 2.7405% | 1,376 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.0651% | 2,232 |
| Return on assets (ROA) | 1.0620% | 2,205 |
| Pretax return on assets | 1.3785% | 1,784 |
| Return on Equity (ROE) | 9.3500% | 2,925 |
| Retained earnings to average equity (ytd only) | 7.6228% | 2,143 |
| Net charge-offs to loans | -0.0634% | 4,366 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 65.8102% | 2,304 |
| Assets per employee ($millions) | 5.3505% | 3,374 |
| Cash dividends to net income (ytd only)* | 18.4575% | 2,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3583% | 1,767 |
| Loan loss allowance to noncurrent loans | 1,267.4731% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.0659% | 3,233 |
| Noncurrent loans to loans | 0.1072% | 3,115 |
| Net loans and leases to total assets | 60.6600% | 2,432 |
| Net loans and leases to deposits | 68.8573% | 2,468 |
| Net loans and leases to core deposits | 70.7649% | 2,585 |
| Total domestic deposits to total assets | 88.1000% | 2,396 |
| Equity capital to assets | 10.9470% | 1,197 |
| Core capital (leverage) ratio | 11.2943% | 1,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7767% | 1,030 |
| Memoranda: | ||
| Average total assets | $1,142,681,250 | 885 |
| Average earning assets | $1,052,043,000 | 884 |
| Average equity | $129,817,500 | 764 |
| Average total loans | $696,052,000 | 908 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3112% | 2,703 |
| Cost of funding earning assets | 0.1492% | 3,585 |
| Net interest margin | 3.1620% | 2,319 |
| Noninterest income to average assets | 1.0967% | 555 |
| Noninterest expense to average assets | 2.7047% | 1,380 |
| Loan and lease loss provision to assets | 0.0261% | 2,127 |
| Net operating income to assets | 0.9933% | 2,184 |
| Return on assets (ROA) | 0.9888% | 2,169 |
| Pretax return on assets | 1.2792% | 1,813 |
| Return on Equity (ROE) | 8.6008% | 2,828 |
| Retained earnings to average equity (ytd only) | 6.8115% | 2,047 |
| Net charge-offs to loans | 0.0253% | 1,216 |
| Credit loss provision to net charge-offs | 170.4545% | 1,044 |
| Earnings coverage of net charge-offs (x) | 85.4659% | 897 |
| Efficiency ratio | 67.0559% | 2,375 |
| Assets per employee ($millions) | 5.3907% | 3,343 |
| Cash dividends to net income (ytd only)* | 20.8039% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2691% | 2,333 |
| Loan loss allowance to noncurrent loans | 1,183.7517% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.0662% | 3,314 |
| Noncurrent loans to loans | 0.1072% | 3,215 |
| Net loans and leases to total assets | 61.0021% | 2,219 |
| Net loans and leases to deposits | 69.7045% | 2,241 |
| Net loans and leases to core deposits | 71.8318% | 2,358 |
| Total domestic deposits to total assets | 87.5152% | 2,759 |
| Equity capital to assets | 11.0518% | 1,184 |
| Core capital (leverage) ratio | 10.9877% | 1,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9761% | 1,195 |
| Memoranda: | ||
| Average total assets | $1,147,255,333 | 882 |
| Average earning assets | $1,059,127,333 | 882 |
| Average equity | $131,894,333 | 759 |
| Average total loans | $696,645,333 | 891 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1784% | 2,755 |
| Cost of funding earning assets | 0.1426% | 3,595 |
| Net interest margin | 3.0358% | 2,380 |
| Noninterest income to average assets | 1.0440% | 629 |
| Noninterest expense to average assets | 2.6732% | 1,421 |
| Loan and lease loss provision to assets | 0.0261% | 1,896 |
| Net operating income to assets | 0.8961% | 2,283 |
| Return on assets (ROA) | 0.8961% | 2,286 |
| Pretax return on assets | 1.1525% | 1,970 |
| Return on Equity (ROE) | 7.6472% | 2,826 |
| Retained earnings to average equity (ytd only) | 5.6277% | 2,371 |
| Net charge-offs to loans | -0.0324% | 4,113 |
| Credit loss provision to net charge-offs | -133.9286% | 2,917 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0939% | 2,360 |
| Assets per employee ($millions) | 5.3761% | 3,420 |
| Cash dividends to net income (ytd only)* | 26.4078% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2921% | 2,406 |
| Loan loss allowance to noncurrent loans | 310.5227% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 0.2568% | 2,116 |
| Noncurrent loans to loans | 0.4161% | 2,000 |
| Net loans and leases to total assets | 59.6814% | 2,096 |
| Net loans and leases to deposits | 68.3407% | 2,117 |
| Net loans and leases to core deposits | 70.3627% | 2,261 |
| Total domestic deposits to total assets | 87.3293% | 2,807 |
| Equity capital to assets | 11.3297% | 1,182 |
| Core capital (leverage) ratio | 10.8143% | 1,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9755% | 1,263 |
| Memoranda: | ||
| Average total assets | $1,149,474,000 | 886 |
| Average earning assets | $1,063,191,500 | 885 |
| Average equity | $134,690,500 | 759 |
| Average total loans | $691,916,000 | 889 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5539% | 2,504 |
| Cost of funding earning assets | 0.2195% | 3,264 |
| Net interest margin | 3.3344% | 2,223 |
| Noninterest income to average assets | 1.2401% | 689 |
| Noninterest expense to average assets | 2.7106% | 1,612 |
| Loan and lease loss provision to assets | 0.0475% | 2,114 |
| Net operating income to assets | 1.2391% | 1,777 |
| Return on assets (ROA) | 1.2391% | 1,841 |
| Pretax return on assets | 1.5663% | 1,519 |
| Return on Equity (ROE) | 10.4739% | 2,360 |
| Retained earnings to average equity (ytd only) | 8.6164% | 1,309 |
| Net charge-offs to loans | 0.0590% | 1,198 |
| Credit loss provision to net charge-offs | 130.7506% | 1,574 |
| Earnings coverage of net charge-offs (x) | 44.4552% | 1,370 |
| Efficiency ratio | 62.3562% | 2,811 |
| Assets per employee ($millions) | 5.4175% | 3,339 |
| Cash dividends to net income (ytd only)* | 17.7343% | 3,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2992% | 2,360 |
| Loan loss allowance to noncurrent loans | 663.6092% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 0.1173% | 3,106 |
| Noncurrent loans to loans | 0.1958% | 2,973 |
| Net loans and leases to total assets | 59.1441% | 2,253 |
| Net loans and leases to deposits | 68.2165% | 2,294 |
| Net loans and leases to core deposits | 70.5883% | 2,393 |
| Total domestic deposits to total assets | 86.7006% | 2,622 |
| Equity capital to assets | 12.1098% | 1,210 |
| Core capital (leverage) ratio | 10.8032% | 1,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2555% | 1,202 |
| Memoranda: | ||
| Average total assets | $1,137,693,200 | 870 |
| Average earning assets | $1,052,324,000 | 865 |
| Average equity | $134,592,000 | 776 |
| Average total loans | $700,191,000 | 878 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5958% | 2,571 |
| Cost of funding earning assets | 0.2335% | 3,281 |
| Net interest margin | 3.3623% | 2,260 |
| Noninterest income to average assets | 1.2693% | 724 |
| Noninterest expense to average assets | 2.6490% | 1,711 |
| Loan and lease loss provision to assets | 0.0475% | 2,049 |
| Net operating income to assets | 1.3065% | 1,807 |
| Return on assets (ROA) | 1.3065% | 1,863 |
| Pretax return on assets | 1.6816% | 1,451 |
| Return on Equity (ROE) | 11.1097% | 2,340 |
| Retained earnings to average equity (ytd only) | 9.2639% | 1,591 |
| Net charge-offs to loans | 0.0687% | 959 |
| Credit loss provision to net charge-offs | 111.5702% | 1,507 |
| Earnings coverage of net charge-offs (x) | 40.5978% | 1,361 |
| Efficiency ratio | 60.1678% | 2,961 |
| Assets per employee ($millions) | 5.5708% | 3,122 |
| Cash dividends to net income (ytd only)* | 16.6143% | 2,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2888% | 2,547 |
| Loan loss allowance to noncurrent loans | 532.2464% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.1574% | 3,069 |
| Noncurrent loans to loans | 0.2421% | 2,967 |
| Net loans and leases to total assets | 59.6960% | 2,301 |
| Net loans and leases to deposits | 69.8164% | 2,262 |
| Net loans and leases to core deposits | 72.3742% | 2,396 |
| Total domestic deposits to total assets | 85.5043% | 2,943 |
| Equity capital to assets | 12.2224% | 1,299 |
| Core capital (leverage) ratio | 10.5425% | 2,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0993% | 1,330 |
| Memoranda: | ||
| Average total assets | $1,136,343,750 | 880 |
| Average earning assets | $1,050,675,500 | 875 |
| Average equity | $133,633,500 | 794 |
| Average total loans | $703,996,250 | 894 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4931% | 2,909 |
| Cost of funding earning assets | 0.2487% | 3,292 |
| Net interest margin | 3.2443% | 2,622 |
| Noninterest income to average assets | 1.3455% | 652 |
| Noninterest expense to average assets | 2.6741% | 1,653 |
| Loan and lease loss provision to assets | 0.0474% | 2,071 |
| Net operating income to assets | 1.2638% | 1,980 |
| Return on assets (ROA) | 1.2638% | 2,053 |
| Pretax return on assets | 1.6263% | 1,665 |
| Return on Equity (ROE) | 10.8883% | 2,462 |
| Retained earnings to average equity (ytd only) | 9.0716% | 1,683 |
| Net charge-offs to loans | 0.0853% | 829 |
| Credit loss provision to net charge-offs | 89.1089% | 1,438 |
| Earnings coverage of net charge-offs (x) | 31.4356% | 1,286 |
| Efficiency ratio | 61.1446% | 2,849 |
| Assets per employee ($millions) | 5.5029% | 3,128 |
| Cash dividends to net income (ytd only)* | 16.6852% | 2,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2447% | 2,703 |
| Loan loss allowance to noncurrent loans | 832.2857% | 852 |
| Noncurrent assets plus other real estate owned to assets | 0.1011% | 3,543 |
| Noncurrent loans to loans | 0.1496% | 3,452 |
| Net loans and leases to total assets | 60.2840% | 2,393 |
| Net loans and leases to deposits | 70.2099% | 2,383 |
| Net loans and leases to core deposits | 72.7933% | 2,539 |
| Total domestic deposits to total assets | 85.8625% | 2,787 |
| Equity capital to assets | 11.7019% | 1,518 |
| Core capital (leverage) ratio | 10.1581% | 2,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7682% | 1,398 |
| Memoranda: | ||
| Average total assets | $1,138,167,333 | 870 |
| Average earning assets | $1,053,282,333 | 866 |
| Average equity | $132,104,667 | 799 |
| Average total loans | $710,695,000 | 887 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4916% | 2,951 |
| Cost of funding earning assets | 0.2784% | 3,200 |
| Net interest margin | 3.2132% | 2,654 |
| Noninterest income to average assets | 1.1684% | 890 |
| Noninterest expense to average assets | 2.7342% | 1,535 |
| Loan and lease loss provision to assets | 0.0477% | 2,125 |
| Net operating income to assets | 1.0588% | 2,606 |
| Return on assets (ROA) | 1.0588% | 2,688 |
| Pretax return on assets | 1.3591% | 2,398 |
| Return on Equity (ROE) | 9.1606% | 2,977 |
| Retained earnings to average equity (ytd only) | 7.4795% | 2,419 |
| Net charge-offs to loans | -0.0213% | 4,022 |
| Credit loss provision to net charge-offs | -355.2632% | 3,087 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6429% | 2,282 |
| Assets per employee ($millions) | 5.3283% | 3,303 |
| Cash dividends to net income (ytd only)* | 18.3517% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2493% | 2,669 |
| Loan loss allowance to noncurrent loans | 219.1328% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 0.3686% | 2,324 |
| Noncurrent loans to loans | 0.5701% | 2,150 |
| Net loans and leases to total assets | 61.4351% | 2,345 |
| Net loans and leases to deposits | 71.5788% | 2,353 |
| Net loans and leases to core deposits | 74.9818% | 2,433 |
| Total domestic deposits to total assets | 85.8287% | 2,797 |
| Equity capital to assets | 11.3188% | 1,648 |
| Core capital (leverage) ratio | 10.0742% | 2,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3381% | 1,462 |
| Memoranda: | ||
| Average total assets | $1,132,194,000 | 860 |
| Average earning assets | $1,047,423,000 | 866 |
| Average equity | $130,864,500 | 795 |
| Average total loans | $715,005,500 | 883 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9369% | 2,911 |
| Cost of funding earning assets | 0.5811% | 2,440 |
| Net interest margin | 3.3558% | 2,914 |
| Noninterest income to average assets | 1.1971% | 777 |
| Noninterest expense to average assets | 2.8706% | 1,758 |
| Loan and lease loss provision to assets | 0.3180% | 1,164 |
| Net operating income to assets | 0.8771% | 2,801 |
| Return on assets (ROA) | 0.8757% | 2,939 |
| Pretax return on assets | 1.1168% | 2,628 |
| Return on Equity (ROE) | 7.6882% | 2,933 |
| Retained earnings to average equity (ytd only) | 6.1936% | 1,713 |
| Net charge-offs to loans | 0.1672% | 994 |
| Credit loss provision to net charge-offs | 276.0510% | 1,819 |
| Earnings coverage of net charge-offs (x) | 12.4701% | 2,334 |
| Efficiency ratio | 66.1011% | 2,513 |
| Assets per employee ($millions) | 7.5020% | 1,283 |
| Cash dividends to net income (ytd only)* | 19.4403% | 3,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2102% | 2,887 |
| Loan loss allowance to noncurrent loans | 80.5183% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 0.9948% | 957 |
| Noncurrent loans to loans | 1.5030% | 885 |
| Net loans and leases to total assets | 63.2950% | 2,453 |
| Net loans and leases to deposits | 74.7367% | 2,407 |
| Net loans and leases to core deposits | 80.7677% | 2,296 |
| Total domestic deposits to total assets | 84.6907% | 2,887 |
| Equity capital to assets | 11.4379% | 1,930 |
| Core capital (leverage) ratio | 10.1872% | 2,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7462% | 1,614 |
| Memoranda: | ||
| Average total assets | $681,392,800 | 1,201 |
| Average earning assets | $631,511,600 | 1,209 |
| Average equity | $77,612,800 | 1,181 |
| Average total loans | $469,468,600 | 1,192 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0306% | 2,888 |
| Cost of funding earning assets | 0.6302% | 2,429 |
| Net interest margin | 3.4004% | 2,921 |
| Noninterest income to average assets | 1.0527% | 938 |
| Noninterest expense to average assets | 2.9215% | 1,644 |
| Loan and lease loss provision to assets | 0.2373% | 1,712 |
| Net operating income to assets | 0.8193% | 3,020 |
| Return on assets (ROA) | 0.8174% | 3,149 |
| Pretax return on assets | 1.0389% | 2,941 |
| Return on Equity (ROE) | 7.1843% | 3,129 |
| Retained earnings to average equity (ytd only) | 5.6402% | 2,267 |
| Net charge-offs to loans | 0.0402% | 2,051 |
| Credit loss provision to net charge-offs | 840.5594% | 945 |
| Earnings coverage of net charge-offs (x) | 45.2937% | 1,265 |
| Efficiency ratio | 68.9853% | 2,041 |
| Assets per employee ($millions) | 7.2476% | 1,353 |
| Cash dividends to net income (ytd only)* | 21.4924% | 2,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1000% | 3,214 |
| Loan loss allowance to noncurrent loans | 83.2929% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 0.9397% | 1,211 |
| Noncurrent loans to loans | 1.3206% | 1,118 |
| Net loans and leases to total assets | 67.8999% | 2,260 |
| Net loans and leases to deposits | 78.9041% | 2,439 |
| Net loans and leases to core deposits | 85.8836% | 2,313 |
| Total domestic deposits to total assets | 86.0537% | 2,043 |
| Equity capital to assets | 11.6137% | 1,930 |
| Core capital (leverage) ratio | 10.0899% | 2,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4490% | 1,675 |
| Memoranda: | ||
| Average total assets | $675,443,500 | 1,199 |
| Average earning assets | $625,167,750 | 1,203 |
| Average equity | $76,851,250 | 1,188 |
| Average total loans | $473,881,250 | 1,185 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1323% | 2,963 |
| Cost of funding earning assets | 0.6817% | 2,491 |
| Net interest margin | 3.4506% | 2,942 |
| Noninterest income to average assets | 0.9740% | 1,028 |
| Noninterest expense to average assets | 2.9930% | 1,587 |
| Loan and lease loss provision to assets | 0.2444% | 1,723 |
| Net operating income to assets | 0.7399% | 3,242 |
| Return on assets (ROA) | 0.7370% | 3,372 |
| Pretax return on assets | 0.9304% | 3,231 |
| Return on Equity (ROE) | 6.5235% | 3,325 |
| Retained earnings to average equity (ytd only) | 4.8939% | 2,523 |
| Net charge-offs to loans | 0.0357% | 2,023 |
| Credit loss provision to net charge-offs | 968.2353% | 813 |
| Earnings coverage of net charge-offs (x) | 46.6824% | 1,151 |
| Efficiency ratio | 71.1469% | 1,800 |
| Assets per employee ($millions) | 6.6836% | 1,651 |
| Cash dividends to net income (ytd only)* | 24.9799% | 2,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9860% | 3,645 |
| Loan loss allowance to noncurrent loans | 67.1540% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 1.5412% | 598 |
| Noncurrent loans to loans | 1.4682% | 1,038 |
| Net loans and leases to total assets | 71.0456% | 1,860 |
| Net loans and leases to deposits | 84.5566% | 1,933 |
| Net loans and leases to core deposits | 92.5862% | 1,852 |
| Total domestic deposits to total assets | 84.0213% | 2,741 |
| Equity capital to assets | 11.4735% | 1,988 |
| Core capital (leverage) ratio | 9.8844% | 2,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4741% | 2,010 |
| Memoranda: | ||
| Average total assets | $673,500,667 | 1,183 |
| Average earning assets | $624,061,000 | 1,181 |
| Average equity | $76,094,667 | 1,189 |
| Average total loans | $475,932,333 | 1,163 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1675% | 3,329 |
| Cost of funding earning assets | 0.7916% | 2,445 |
| Net interest margin | 3.3759% | 3,374 |
| Noninterest income to average assets | 1.1413% | 670 |
| Noninterest expense to average assets | 2.8548% | 2,258 |
| Loan and lease loss provision to assets | 0.0751% | 2,794 |
| Net operating income to assets | 1.0599% | 1,969 |
| Return on assets (ROA) | 1.0527% | 2,093 |
| Pretax return on assets | 1.3471% | 1,728 |
| Return on Equity (ROE) | 9.7757% | 1,818 |
| Retained earnings to average equity (ytd only) | 7.9628% | 1,242 |
| Net charge-offs to loans | 0.0264% | 1,843 |
| Credit loss provision to net charge-offs | 400.0000% | 996 |
| Earnings coverage of net charge-offs (x) | 76.2400% | 688 |
| Efficiency ratio | 66.3805% | 2,897 |
| Assets per employee ($millions) | 6.3450% | 1,436 |
| Cash dividends to net income (ytd only)* | 18.5449% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0720% | 3,348 |
| Loan loss allowance to noncurrent loans | 279.5699% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.3445% | 3,062 |
| Noncurrent loans to loans | 0.3834% | 3,116 |
| Net loans and leases to total assets | 71.1816% | 2,054 |
| Net loans and leases to deposits | 84.3754% | 2,184 |
| Net loans and leases to core deposits | 95.1673% | 1,869 |
| Total domestic deposits to total assets | 84.3630% | 2,647 |
| Equity capital to assets | 10.8381% | 3,005 |
| Core capital (leverage) ratio | 10.4659% | 2,984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0757% | 2,253 |
| Memoranda: | ||
| Average total assets | $532,708,000 | 1,392 |
| Average earning assets | $496,219,500 | 1,393 |
| Average equity | $57,366,500 | 1,463 |
| Average total loans | $379,101,000 | 1,357 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2848% | 3,578 |
| Cost of funding earning assets | 0.9014% | 2,183 |
| Net interest margin | 3.3834% | 3,788 |
| Noninterest income to average assets | 1.0038% | 965 |
| Noninterest expense to average assets | 2.7506% | 2,749 |
| Loan and lease loss provision to assets | 0.0555% | 2,918 |
| Net operating income to assets | 1.0468% | 2,667 |
| Return on assets (ROA) | 1.0428% | 2,780 |
| Pretax return on assets | 1.3364% | 2,373 |
| Return on Equity (ROE) | 8.8423% | 2,829 |
| Retained earnings to average equity (ytd only) | -13.8358% | 5,108 |
| Net charge-offs to loans | 0.1013% | 1,712 |
| Credit loss provision to net charge-offs | 78.9474% | 2,807 |
| Earnings coverage of net charge-offs (x) | 19.8737% | 1,969 |
| Efficiency ratio | 66.0839% | 2,757 |
| Assets per employee ($millions) | 5.9783% | 1,651 |
| Cash dividends to net income (ytd only)* | 256.4739% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1036% | 2,930 |
| Loan loss allowance to noncurrent loans | 157.6003% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 0.4971% | 2,424 |
| Noncurrent loans to loans | 0.7003% | 2,125 |
| Net loans and leases to total assets | 69.5805% | 2,467 |
| Net loans and leases to deposits | 82.3908% | 2,508 |
| Net loans and leases to core deposits | 91.5847% | 2,268 |
| Total domestic deposits to total assets | 84.4518% | 2,703 |
| Equity capital to assets | 10.6979% | 3,262 |
| Core capital (leverage) ratio | 9.7778% | 3,753 |
| Tier 1 risk-based capital ratio | 13.2451% | 3,653 |
| Total risk-based capital ratio | 14.2569% | 3,664 |
| Memoranda: | ||
| Average total assets | $540,644,800 | 1,328 |
| Average earning assets | $502,329,400 | 1,325 |
| Average equity | $63,762,000 | 1,321 |
| Average total loans | $375,080,600 | 1,341 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2595% | 3,785 |
| Cost of funding earning assets | 0.9012% | 2,230 |
| Net interest margin | 3.3583% | 3,966 |
| Noninterest income to average assets | 1.0051% | 927 |
| Noninterest expense to average assets | 2.7284% | 2,786 |
| Loan and lease loss provision to assets | 0.0551% | 2,808 |
| Net operating income to assets | 1.0471% | 2,794 |
| Return on assets (ROA) | 1.0418% | 2,899 |
| Pretax return on assets | 1.3343% | 2,553 |
| Return on Equity (ROE) | 8.6398% | 3,038 |
| Retained earnings to average equity (ytd only) | 4.6581% | 3,078 |
| Net charge-offs to loans | 0.0992% | 1,479 |
| Credit loss provision to net charge-offs | 80.3571% | 2,501 |
| Earnings coverage of net charge-offs (x) | 20.3538% | 1,960 |
| Efficiency ratio | 65.9203% | 2,735 |
| Assets per employee ($millions) | 6.5478% | 1,244 |
| Cash dividends to net income (ytd only)* | 46.0852% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1326% | 2,862 |
| Loan loss allowance to noncurrent loans | 142.3970% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 0.5010% | 2,522 |
| Noncurrent loans to loans | 0.7954% | 1,988 |
| Net loans and leases to total assets | 62.2789% | 3,467 |
| Net loans and leases to deposits | 75.1088% | 3,373 |
| Net loans and leases to core deposits | 84.4529% | 3,051 |
| Total domestic deposits to total assets | 82.9182% | 3,197 |
| Equity capital to assets | 11.6946% | 2,508 |
| Core capital (leverage) ratio | 11.6474% | 2,113 |
| Tier 1 risk-based capital ratio | 16.3148% | 2,328 |
| Total risk-based capital ratio | 17.3541% | 2,333 |
| Memoranda: | ||
| Average total assets | $544,284,250 | 1,327 |
| Average earning assets | $505,554,500 | 1,325 |
| Average equity | $65,632,500 | 1,287 |
| Average total loans | $376,316,000 | 1,344 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3088% | 3,612 |
| Cost of funding earning assets | 0.8682% | 2,308 |
| Net interest margin | 3.4406% | 3,772 |
| Noninterest income to average assets | 0.9617% | 948 |
| Noninterest expense to average assets | 2.7771% | 2,673 |
| Loan and lease loss provision to assets | 0.0562% | 2,702 |
| Net operating income to assets | 1.0371% | 2,776 |
| Return on assets (ROA) | 1.0292% | 2,888 |
| Pretax return on assets | 1.3129% | 2,515 |
| Return on Equity (ROE) | 8.4430% | 3,096 |
| Retained earnings to average equity (ytd only) | 4.9994% | 2,771 |
| Net charge-offs to loans | 0.0058% | 2,945 |
| Credit loss provision to net charge-offs | 1,363.6364% | 264 |
| Earnings coverage of net charge-offs (x) | 334.5455% | 231 |
| Efficiency ratio | 66.5825% | 2,738 |
| Assets per employee ($millions) | 6.1525% | 1,434 |
| Cash dividends to net income (ytd only)* | 40.7866% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1330% | 2,888 |
| Loan loss allowance to noncurrent loans | 285.0993% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 0.2891% | 3,395 |
| Noncurrent loans to loans | 0.3974% | 3,106 |
| Net loans and leases to total assets | 69.3816% | 2,617 |
| Net loans and leases to deposits | 83.8079% | 2,510 |
| Net loans and leases to core deposits | 96.9182% | 1,984 |
| Total domestic deposits to total assets | 82.7865% | 3,276 |
| Equity capital to assets | 12.2922% | 1,994 |
| Core capital (leverage) ratio | 12.0293% | 1,807 |
| Tier 1 risk-based capital ratio | 15.6108% | 2,582 |
| Total risk-based capital ratio | 16.6632% | 2,582 |
| Memoranda: | ||
| Average total assets | $533,644,000 | 1,350 |
| Average earning assets | $495,495,000 | 1,349 |
| Average equity | $65,048,330 | 1,290 |
| Average total loans | $380,766,330 | 1,333 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2605% | 3,675 |
| Cost of funding earning assets | 0.8100% | 2,480 |
| Net interest margin | 3.4504% | 3,747 |
| Noninterest income to average assets | 0.9363% | 951 |
| Noninterest expense to average assets | 2.7522% | 2,735 |
| Loan and lease loss provision to assets | 0.0566% | 2,535 |
| Net operating income to assets | 1.0443% | 2,680 |
| Return on assets (ROA) | 1.0276% | 2,791 |
| Pretax return on assets | 1.3032% | 2,442 |
| Return on Equity (ROE) | 8.4671% | 3,057 |
| Retained earnings to average equity (ytd only) | 5.8542% | 2,520 |
| Net charge-offs to loans | 0.0073% | 2,433 |
| Credit loss provision to net charge-offs | 1,071.4286% | 350 |
| Earnings coverage of net charge-offs (x) | 261.2857% | 306 |
| Efficiency ratio | 66.3500% | 2,892 |
| Assets per employee ($millions) | 6.0480% | 1,511 |
| Cash dividends to net income (ytd only)* | 30.8597% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1017% | 3,117 |
| Loan loss allowance to noncurrent loans | 543.5173% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.1549% | 4,032 |
| Noncurrent loans to loans | 0.2027% | 3,865 |
| Net loans and leases to total assets | 70.6145% | 2,388 |
| Net loans and leases to deposits | 82.9410% | 2,506 |
| Net loans and leases to core deposits | 93.5112% | 2,170 |
| Total domestic deposits to total assets | 85.1383% | 2,634 |
| Equity capital to assets | 12.0657% | 1,984 |
| Core capital (leverage) ratio | 12.2332% | 1,640 |
| Tier 1 risk-based capital ratio | 15.4248% | 2,686 |
| Total risk-based capital ratio | 16.4589% | 2,697 |
| Memoranda: | ||
| Average total assets | $529,754,500 | 1,365 |
| Average earning assets | $490,839,000 | 1,364 |
| Average equity | $64,296,000 | 1,297 |
| Average total loans | $381,173,000 | 1,340 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1497% | 3,585 |
| Cost of funding earning assets | 0.6697% | 2,268 |
| Net interest margin | 3.4799% | 3,772 |
| Noninterest income to average assets | 1.0033% | 933 |
| Noninterest expense to average assets | 2.7840% | 2,736 |
| Loan and lease loss provision to assets | 0.0426% | 3,337 |
| Net operating income to assets | 1.1073% | 2,568 |
| Return on assets (ROA) | 1.1087% | 2,560 |
| Pretax return on assets | 1.4078% | 2,108 |
| Return on Equity (ROE) | 9.5860% | 2,698 |
| Retained earnings to average equity (ytd only) | 6.5761% | 1,880 |
| Net charge-offs to loans | 0.1238% | 1,501 |
| Credit loss provision to net charge-offs | 47.9744% | 3,216 |
| Earnings coverage of net charge-offs (x) | 16.3262% | 2,254 |
| Efficiency ratio | 65.5373% | 2,945 |
| Assets per employee ($millions) | 5.9913% | 1,525 |
| Cash dividends to net income (ytd only)* | 31.3993% | 2,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1021% | 3,086 |
| Loan loss allowance to noncurrent loans | 413.7041% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.2037% | 3,807 |
| Noncurrent loans to loans | 0.2664% | 3,623 |
| Net loans and leases to total assets | 71.7232% | 2,308 |
| Net loans and leases to deposits | 84.5313% | 2,454 |
| Net loans and leases to core deposits | 96.3526% | 2,031 |
| Total domestic deposits to total assets | 84.8481% | 2,708 |
| Equity capital to assets | 12.2105% | 1,751 |
| Core capital (leverage) ratio | 12.0045% | 1,732 |
| Tier 1 risk-based capital ratio | 15.5444% | 2,594 |
| Total risk-based capital ratio | 16.5855% | 2,609 |
| Memoranda: | ||
| Average total assets | $528,558,600 | 1,335 |
| Average earning assets | $490,497,800 | 1,338 |
| Average equity | $61,130,600 | 1,296 |
| Average total loans | $378,819,000 | 1,311 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0692% | 3,730 |
| Cost of funding earning assets | 0.6291% | 2,279 |
| Net interest margin | 3.4401% | 3,895 |
| Noninterest income to average assets | 0.9588% | 1,036 |
| Noninterest expense to average assets | 2.7966% | 2,638 |
| Loan and lease loss provision to assets | 0.0566% | 2,843 |
| Net operating income to assets | 1.0326% | 2,951 |
| Return on assets (ROA) | 1.0344% | 2,953 |
| Pretax return on assets | 1.3039% | 2,614 |
| Return on Equity (ROE) | 9.0684% | 3,046 |
| Retained earnings to average equity (ytd only) | 5.8509% | 2,730 |
| Net charge-offs to loans | 0.0179% | 2,795 |
| Credit loss provision to net charge-offs | 441.1765% | 769 |
| Earnings coverage of net charge-offs (x) | 105.9385% | 716 |
| Efficiency ratio | 67.0741% | 2,700 |
| Assets per employee ($millions) | 5.9879% | 1,497 |
| Cash dividends to net income (ytd only)* | 35.4800% | 2,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1951% | 2,648 |
| Loan loss allowance to noncurrent loans | 225.9241% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 0.3911% | 3,123 |
| Noncurrent loans to loans | 0.5290% | 2,795 |
| Net loans and leases to total assets | 71.1153% | 2,474 |
| Net loans and leases to deposits | 83.1748% | 2,688 |
| Net loans and leases to core deposits | 93.5847% | 2,338 |
| Total domestic deposits to total assets | 85.5010% | 2,396 |
| Equity capital to assets | 11.5224% | 2,245 |
| Core capital (leverage) ratio | 11.7664% | 1,943 |
| Tier 1 risk-based capital ratio | 14.9667% | 2,902 |
| Total risk-based capital ratio | 16.0970% | 2,871 |
| Memoranda: | ||
| Average total assets | $530,388,250 | 1,334 |
| Average earning assets | $492,757,500 | 1,336 |
| Average equity | $60,501,750 | 1,312 |
| Average total loans | $379,019,750 | 1,314 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9544% | 3,914 |
| Cost of funding earning assets | 0.5921% | 2,280 |
| Net interest margin | 3.3623% | 4,069 |
| Noninterest income to average assets | 0.9782% | 995 |
| Noninterest expense to average assets | 2.8054% | 2,644 |
| Loan and lease loss provision to assets | 0.0567% | 2,781 |
| Net operating income to assets | 0.9941% | 3,050 |
| Return on assets (ROA) | 0.9941% | 3,046 |
| Pretax return on assets | 1.2433% | 2,751 |
| Return on Equity (ROE) | 8.7441% | 3,150 |
| Retained earnings to average equity (ytd only) | 3.8936% | 3,657 |
| Net charge-offs to loans | 0.0911% | 1,436 |
| Credit loss provision to net charge-offs | 87.2093% | 2,191 |
| Earnings coverage of net charge-offs (x) | 20.0116% | 1,830 |
| Efficiency ratio | 68.0957% | 2,630 |
| Assets per employee ($millions) | 6.0342% | 1,440 |
| Cash dividends to net income (ytd only)* | 55.4711% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1465% | 3,000 |
| Loan loss allowance to noncurrent loans | 192.6251% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 0.4444% | 2,954 |
| Noncurrent loans to loans | 0.5952% | 2,636 |
| Net loans and leases to total assets | 72.0702% | 2,262 |
| Net loans and leases to deposits | 87.2834% | 2,186 |
| Net loans and leases to core deposits | 98.9181% | 1,821 |
| Total domestic deposits to total assets | 82.5703% | 3,545 |
| Equity capital to assets | 11.4878% | 2,209 |
| Core capital (leverage) ratio | 11.3999% | 2,157 |
| Tier 1 risk-based capital ratio | 14.6415% | 3,046 |
| Total risk-based capital ratio | 15.7267% | 3,039 |
| Memoranda: | ||
| Average total assets | $529,544,670 | 1,339 |
| Average earning assets | $492,518,000 | 1,332 |
| Average equity | $60,200,670 | 1,317 |
| Average total loans | $377,502,670 | 1,315 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8925% | 3,950 |
| Cost of funding earning assets | 0.5490% | 2,412 |
| Net interest margin | 3.3435% | 4,072 |
| Noninterest income to average assets | 0.9056% | 1,139 |
| Noninterest expense to average assets | 2.8047% | 2,670 |
| Loan and lease loss provision to assets | 0.0564% | 2,641 |
| Net operating income to assets | 0.9334% | 3,139 |
| Return on assets (ROA) | 0.9334% | 3,159 |
| Pretax return on assets | 1.1545% | 2,957 |
| Return on Equity (ROE) | 8.2531% | 3,270 |
| Retained earnings to average equity (ytd only) | 5.4600% | 2,967 |
| Net charge-offs to loans | -0.0918% | 5,173 |
| Credit loss provision to net charge-offs | -87.2093% | 3,671 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6010% | 2,552 |
| Assets per employee ($millions) | 6.0310% | 1,491 |
| Cash dividends to net income (ytd only)* | 33.8437% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2117% | 2,737 |
| Loan loss allowance to noncurrent loans | 211.8165% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 0.4123% | 3,181 |
| Noncurrent loans to loans | 0.5721% | 2,827 |
| Net loans and leases to total assets | 69.4292% | 2,576 |
| Net loans and leases to deposits | 80.8535% | 2,711 |
| Net loans and leases to core deposits | 89.0131% | 2,539 |
| Total domestic deposits to total assets | 85.8703% | 2,602 |
| Equity capital to assets | 11.1969% | 2,388 |
| Core capital (leverage) ratio | 11.3800% | 2,100 |
| Tier 1 risk-based capital ratio | 14.6622% | 3,045 |
| Total risk-based capital ratio | 15.8013% | 2,997 |
| Memoranda: | ||
| Average total assets | $531,829,000 | 1,345 |
| Average earning assets | $494,692,000 | 1,339 |
| Average equity | $60,147,000 | 1,328 |
| Average total loans | $374,884,500 | 1,327 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0012% | 3,402 |
| Cost of funding earning assets | 0.4953% | 2,376 |
| Net interest margin | 3.5060% | 3,510 |
| Noninterest income to average assets | 0.9248% | 1,203 |
| Noninterest expense to average assets | 2.6516% | 3,281 |
| Loan and lease loss provision to assets | 0.0557% | 3,116 |
| Net operating income to assets | 0.9429% | 2,481 |
| Return on assets (ROA) | 0.9372% | 2,550 |
| Pretax return on assets | 1.4422% | 1,848 |
| Return on Equity (ROE) | 8.5579% | 2,513 |
| Retained earnings to average equity (ytd only) | 5.1700% | 2,018 |
| Net charge-offs to loans | -0.0479% | 5,172 |
| Credit loss provision to net charge-offs | -164.8352% | 4,767 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5317% | 3,677 |
| Assets per employee ($millions) | 6.1268% | 1,429 |
| Cash dividends to net income (ytd only)* | 39.5883% | 2,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1838% | 2,876 |
| Loan loss allowance to noncurrent loans | 265.6627% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 0.3255% | 3,576 |
| Noncurrent loans to loans | 0.4456% | 3,182 |
| Net loans and leases to total assets | 69.8655% | 2,537 |
| Net loans and leases to deposits | 82.9197% | 2,618 |
| Net loans and leases to core deposits | 92.3153% | 2,342 |
| Total domestic deposits to total assets | 84.2568% | 3,106 |
| Equity capital to assets | 11.4242% | 2,256 |
| Core capital (leverage) ratio | 11.0519% | 2,287 |
| Tier 1 risk-based capital ratio | 14.7455% | 2,965 |
| Total risk-based capital ratio | 15.8661% | 2,958 |
| Memoranda: | ||
| Average total assets | $539,030,000 | 1,301 |
| Average earning assets | $497,120,600 | 1,314 |
| Average equity | $59,033,200 | 1,327 |
| Average total loans | $379,908,600 | 1,288 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9743% | 3,449 |
| Cost of funding earning assets | 0.4851% | 2,389 |
| Net interest margin | 3.4891% | 3,539 |
| Noninterest income to average assets | 0.9376% | 1,170 |
| Noninterest expense to average assets | 2.5295% | 3,629 |
| Loan and lease loss provision to assets | 0.0553% | 2,983 |
| Net operating income to assets | 1.1040% | 2,072 |
| Return on assets (ROA) | 1.0955% | 2,163 |
| Pretax return on assets | 1.5550% | 1,560 |
| Return on Equity (ROE) | 10.1093% | 2,082 |
| Retained earnings to average equity (ytd only) | 5.5699% | 2,493 |
| Net charge-offs to loans | 0.0227% | 3,009 |
| Credit loss provision to net charge-offs | 346.1538% | 872 |
| Earnings coverage of net charge-offs (x) | 101.4822% | 685 |
| Efficiency ratio | 60.6931% | 4,089 |
| Assets per employee ($millions) | 6.2087% | 1,370 |
| Cash dividends to net income (ytd only)* | 44.9034% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0890% | 3,555 |
| Loan loss allowance to noncurrent loans | 377.8189% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.2129% | 4,227 |
| Noncurrent loans to loans | 0.2882% | 3,910 |
| Net loans and leases to total assets | 69.5386% | 2,627 |
| Net loans and leases to deposits | 81.4313% | 2,838 |
| Net loans and leases to core deposits | 90.6084% | 2,558 |
| Total domestic deposits to total assets | 85.3955% | 2,557 |
| Equity capital to assets | 11.2631% | 2,605 |
| Core capital (leverage) ratio | 10.8250% | 2,617 |
| Tier 1 risk-based capital ratio | 14.1623% | 3,370 |
| Total risk-based capital ratio | 15.1821% | 3,402 |
| Memoranda: | ||
| Average total assets | $542,062,250 | 1,306 |
| Average earning assets | $499,365,750 | 1,309 |
| Average equity | $58,743,000 | 1,346 |
| Average total loans | $381,752,750 | 1,291 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9264% | 3,463 |
| Cost of funding earning assets | 0.4704% | 2,408 |
| Net interest margin | 3.4559% | 3,566 |
| Noninterest income to average assets | 0.9622% | 1,107 |
| Noninterest expense to average assets | 2.4946% | 3,769 |
| Loan and lease loss provision to assets | 0.0551% | 2,873 |
| Net operating income to assets | 1.1099% | 1,929 |
| Return on assets (ROA) | 1.0973% | 2,046 |
| Pretax return on assets | 1.5717% | 1,427 |
| Return on Equity (ROE) | 10.2578% | 1,930 |
| Retained earnings to average equity (ytd only) | 3.3941% | 3,693 |
| Net charge-offs to loans | 0.0109% | 3,075 |
| Credit loss provision to net charge-offs | 714.2857% | 491 |
| Earnings coverage of net charge-offs (x) | 213.3333% | 389 |
| Efficiency ratio | 60.0355% | 4,312 |
| Assets per employee ($millions) | 6.2471% | 1,289 |
| Cash dividends to net income (ytd only)* | 66.9120% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0548% | 3,825 |
| Loan loss allowance to noncurrent loans | 358.0759% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 0.2368% | 4,200 |
| Noncurrent loans to loans | 0.2946% | 3,987 |
| Net loans and leases to total assets | 69.2235% | 2,630 |
| Net loans and leases to deposits | 81.2953% | 2,766 |
| Net loans and leases to core deposits | 91.9414% | 2,343 |
| Total domestic deposits to total assets | 85.1508% | 2,755 |
| Equity capital to assets | 10.6981% | 3,133 |
| Core capital (leverage) ratio | 10.1939% | 3,289 |
| Tier 1 risk-based capital ratio | 13.4125% | 3,741 |
| Total risk-based capital ratio | 14.3965% | 3,821 |
| Memoranda: | ||
| Average total assets | $544,768,000 | 1,309 |
| Average earning assets | $500,818,670 | 1,315 |
| Average equity | $58,277,670 | 1,357 |
| Average total loans | $383,875,000 | 1,289 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8703% | 3,506 |
| Cost of funding earning assets | 0.4351% | 2,661 |
| Net interest margin | 3.4352% | 3,502 |
| Noninterest income to average assets | 0.8866% | 1,288 |
| Noninterest expense to average assets | 2.4843% | 3,858 |
| Loan and lease loss provision to assets | 0.0553% | 2,699 |
| Net operating income to assets | 1.0746% | 1,961 |
| Return on assets (ROA) | 1.0489% | 2,122 |
| Pretax return on assets | 1.4789% | 1,608 |
| Return on Equity (ROE) | 9.8051% | 2,053 |
| Retained earnings to average equity (ytd only) | 9.8051% | 856 |
| Net charge-offs to loans | -0.0031% | 4,067 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,612 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0333% | 4,315 |
| Assets per employee ($millions) | 6.2357% | 1,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0194% | 4,165 |
| Loan loss allowance to noncurrent loans | 210.8421% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 0.4088% | 3,551 |
| Noncurrent loans to loans | 0.4835% | 3,353 |
| Net loans and leases to total assets | 70.0863% | 2,367 |
| Net loans and leases to deposits | 81.1848% | 2,608 |
| Net loans and leases to core deposits | 91.5478% | 2,213 |
| Total domestic deposits to total assets | 86.3293% | 2,522 |
| Equity capital to assets | 10.5911% | 3,074 |
| Core capital (leverage) ratio | 10.5612% | 2,832 |
| Tier 1 risk-based capital ratio | 13.4646% | 3,794 |
| Total risk-based capital ratio | 14.4326% | 3,883 |
| Memoranda: | ||
| Average total assets | $542,279,500 | 1,316 |
| Average earning assets | $500,115,500 | 1,316 |
| Average equity | $58,010,500 | 1,353 |
| Average total loans | $383,507,500 | 1,295 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8117% | 3,865 |
| Cost of funding earning assets | 0.3787% | 3,219 |
| Net interest margin | 3.4330% | 3,694 |
| Noninterest income to average assets | 0.9478% | 1,267 |
| Noninterest expense to average assets | 2.6366% | 3,562 |
| Loan and lease loss provision to assets | 0.0525% | 3,339 |
| Net operating income to assets | 1.0115% | 2,305 |
| Return on assets (ROA) | 1.0250% | 2,344 |
| Pretax return on assets | 1.4339% | 1,806 |
| Return on Equity (ROE) | 9.2378% | 2,295 |
| Retained earnings to average equity (ytd only) | 4.3353% | 2,818 |
| Net charge-offs to loans | 0.0569% | 2,912 |
| Credit loss provision to net charge-offs | 133.6634% | 2,024 |
| Earnings coverage of net charge-offs (x) | 37.3911% | 1,233 |
| Efficiency ratio | 64.0189% | 3,932 |
| Assets per employee ($millions) | 5.1920% | 2,187 |
| Cash dividends to net income (ytd only)* | 53.0705% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0501% | 4,011 |
| Loan loss allowance to noncurrent loans | 246.4241% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 0.3386% | 3,921 |
| Noncurrent loans to loans | 0.4261% | 3,614 |
| Net loans and leases to total assets | 69.8888% | 2,495 |
| Net loans and leases to deposits | 80.3168% | 2,855 |
| Net loans and leases to core deposits | 88.9015% | 2,596 |
| Total domestic deposits to total assets | 87.0164% | 2,138 |
| Equity capital to assets | 10.8091% | 2,805 |
| Core capital (leverage) ratio | 10.4723% | 2,903 |
| Tier 1 risk-based capital ratio | 13.8656% | 3,541 |
| Total risk-based capital ratio | 14.8688% | 3,602 |
| Memoranda: | ||
| Average total assets | $514,746,200 | 1,335 |
| Average earning assets | $473,225,800 | 1,336 |
| Average equity | $57,113,000 | 1,342 |
| Average total loans | $354,987,800 | 1,321 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7716% | 4,012 |
| Cost of funding earning assets | 0.3761% | 3,269 |
| Net interest margin | 3.3956% | 3,859 |
| Noninterest income to average assets | 0.9312% | 1,310 |
| Noninterest expense to average assets | 2.6267% | 3,573 |
| Loan and lease loss provision to assets | 0.0509% | 3,227 |
| Net operating income to assets | 0.9905% | 2,479 |
| Return on assets (ROA) | 1.0089% | 2,528 |
| Pretax return on assets | 1.4029% | 2,028 |
| Return on Equity (ROE) | 9.0326% | 2,467 |
| Retained earnings to average equity (ytd only) | 4.3610% | 3,231 |
| Net charge-offs to loans | -0.0263% | 5,104 |
| Credit loss provision to net charge-offs | -282.6087% | 4,943 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5670% | 3,844 |
| Assets per employee ($millions) | 5.4190% | 1,939 |
| Cash dividends to net income (ytd only)* | 51.7197% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0890% | 3,891 |
| Loan loss allowance to noncurrent loans | 172.1921% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 0.4839% | 3,500 |
| Noncurrent loans to loans | 0.6324% | 3,118 |
| Net loans and leases to total assets | 69.8198% | 2,515 |
| Net loans and leases to deposits | 81.4704% | 2,802 |
| Net loans and leases to core deposits | 89.5785% | 2,612 |
| Total domestic deposits to total assets | 85.6996% | 2,508 |
| Equity capital to assets | 10.8047% | 3,240 |
| Core capital (leverage) ratio | 10.5866% | 2,889 |
| Tier 1 risk-based capital ratio | 13.8050% | 3,665 |
| Total risk-based capital ratio | 14.8711% | 3,696 |
| Memoranda: | ||
| Average total assets | $511,037,000 | 1,346 |
| Average earning assets | $470,129,250 | 1,346 |
| Average equity | $57,080,500 | 1,352 |
| Average total loans | $350,223,000 | 1,338 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7709% | 4,053 |
| Cost of funding earning assets | 0.3687% | 3,367 |
| Net interest margin | 3.4021% | 3,884 |
| Noninterest income to average assets | 0.9201% | 1,317 |
| Noninterest expense to average assets | 2.5812% | 3,789 |
| Loan and lease loss provision to assets | 0.0478% | 3,193 |
| Net operating income to assets | 1.0213% | 2,290 |
| Return on assets (ROA) | 1.0522% | 2,286 |
| Pretax return on assets | 1.4661% | 1,787 |
| Return on Equity (ROE) | 9.3122% | 2,354 |
| Retained earnings to average equity (ytd only) | 2.2682% | 4,433 |
| Net charge-offs to loans | -0.0282% | 5,089 |
| Credit loss provision to net charge-offs | -250.0000% | 4,769 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4846% | 4,104 |
| Assets per employee ($millions) | 5.3387% | 1,945 |
| Cash dividends to net income (ytd only)* | 75.6430% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1790% | 3,470 |
| Loan loss allowance to noncurrent loans | 200.5976% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 0.4541% | 3,694 |
| Noncurrent loans to loans | 0.5877% | 3,304 |
| Net loans and leases to total assets | 67.2785% | 2,896 |
| Net loans and leases to deposits | 78.0305% | 3,157 |
| Net loans and leases to core deposits | 83.6362% | 3,115 |
| Total domestic deposits to total assets | 86.2209% | 2,316 |
| Equity capital to assets | 11.3776% | 2,670 |
| Core capital (leverage) ratio | 10.7572% | 2,690 |
| Tier 1 risk-based capital ratio | 14.6902% | 3,209 |
| Total risk-based capital ratio | 15.8028% | 3,223 |
| Memoranda: | ||
| Average total assets | $502,556,000 | 1,374 |
| Average earning assets | $462,651,000 | 1,379 |
| Average equity | $56,785,670 | 1,361 |
| Average total loans | $340,733,000 | 1,368 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7897% | 3,978 |
| Cost of funding earning assets | 0.3673% | 3,425 |
| Net interest margin | 3.4224% | 3,793 |
| Noninterest income to average assets | 0.8940% | 1,330 |
| Noninterest expense to average assets | 2.5157% | 4,021 |
| Loan and lease loss provision to assets | 0.0477% | 2,963 |
| Net operating income to assets | 1.0618% | 2,045 |
| Return on assets (ROA) | 1.1087% | 1,971 |
| Pretax return on assets | 1.5454% | 1,453 |
| Return on Equity (ROE) | 9.8464% | 2,051 |
| Retained earnings to average equity (ytd only) | 9.8464% | 881 |
| Net charge-offs to loans | -0.0494% | 5,323 |
| Credit loss provision to net charge-offs | -142.8571% | 4,294 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9984% | 4,441 |
| Assets per employee ($millions) | 5.5411% | 1,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1545% | 3,736 |
| Loan loss allowance to noncurrent loans | 203.5971% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 0.4302% | 3,865 |
| Noncurrent loans to loans | 0.5671% | 3,491 |
| Net loans and leases to total assets | 65.8238% | 2,977 |
| Net loans and leases to deposits | 77.2179% | 3,088 |
| Net loans and leases to core deposits | 83.2920% | 3,006 |
| Total domestic deposits to total assets | 85.2442% | 3,020 |
| Equity capital to assets | 11.1609% | 2,760 |
| Core capital (leverage) ratio | 11.1129% | 2,301 |
| Tier 1 risk-based capital ratio | 14.8307% | 3,230 |
| Total risk-based capital ratio | 15.9204% | 3,245 |
| Memoranda: | ||
| Average total assets | $502,914,500 | 1,378 |
| Average earning assets | $462,837,000 | 1,377 |
| Average equity | $56,630,000 | 1,362 |
| Average total loans | $340,270,500 | 1,366 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8079% | 4,019 |
| Cost of funding earning assets | 0.3942% | 3,217 |
| Net interest margin | 3.4137% | 3,861 |
| Noninterest income to average assets | 1.0954% | 981 |
| Noninterest expense to average assets | 2.7993% | 3,230 |
| Loan and lease loss provision to assets | 0.0250% | 3,883 |
| Net operating income to assets | 1.0174% | 2,274 |
| Return on assets (ROA) | 1.0462% | 2,231 |
| Pretax return on assets | 1.4404% | 1,753 |
| Return on Equity (ROE) | 9.6820% | 2,143 |
| Retained earnings to average equity (ytd only) | 1.5718% | 4,825 |
| Net charge-offs to loans | -0.0063% | 5,015 |
| Credit loss provision to net charge-offs | -600.0000% | 5,476 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2494% | 4,036 |
| Assets per employee ($millions) | 5.2742% | 2,032 |
| Cash dividends to net income (ytd only)* | 83.7655% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1441% | 3,786 |
| Loan loss allowance to noncurrent loans | 324.0974% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.3134% | 4,341 |
| Noncurrent loans to loans | 0.3530% | 4,198 |
| Net loans and leases to total assets | 67.9938% | 2,702 |
| Net loans and leases to deposits | 77.5825% | 3,093 |
| Net loans and leases to core deposits | 83.8135% | 2,982 |
| Total domestic deposits to total assets | 87.6407% | 1,825 |
| Equity capital to assets | 11.3648% | 2,479 |
| Core capital (leverage) ratio | 10.5850% | 2,836 |
| Tier 1 risk-based capital ratio | 14.7961% | 3,276 |
| Total risk-based capital ratio | 15.8828% | 3,287 |
| Memoranda: | ||
| Average total assets | $479,257,600 | 1,412 |
| Average earning assets | $439,400,200 | 1,415 |
| Average equity | $51,787,000 | 1,434 |
| Average total loans | $319,796,800 | 1,389 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7814% | 4,156 |
| Cost of funding earning assets | 0.3930% | 3,294 |
| Net interest margin | 3.3884% | 4,005 |
| Noninterest income to average assets | 1.0542% | 1,075 |
| Noninterest expense to average assets | 2.7548% | 3,362 |
| Loan and lease loss provision to assets | 0.0252% | 3,764 |
| Net operating income to assets | 1.0006% | 2,466 |
| Return on assets (ROA) | 1.0237% | 2,448 |
| Pretax return on assets | 1.4110% | 1,970 |
| Return on Equity (ROE) | 9.6013% | 2,266 |
| Retained earnings to average equity (ytd only) | -1.1601% | 5,775 |
| Net charge-offs to loans | -0.0123% | 5,056 |
| Credit loss provision to net charge-offs | -310.3448% | 5,272 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2047% | 3,862 |
| Assets per employee ($millions) | 5.3413% | 1,919 |
| Cash dividends to net income (ytd only)* | 112.0831% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1674% | 3,829 |
| Loan loss allowance to noncurrent loans | 354.4783% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 0.2878% | 4,613 |
| Noncurrent loans to loans | 0.3293% | 4,427 |
| Net loans and leases to total assets | 64.7323% | 3,196 |
| Net loans and leases to deposits | 74.1017% | 3,538 |
| Net loans and leases to core deposits | 78.7484% | 3,537 |
| Total domestic deposits to total assets | 87.3560% | 1,867 |
| Equity capital to assets | 10.9212% | 3,107 |
| Core capital (leverage) ratio | 10.2595% | 3,300 |
| Tier 1 risk-based capital ratio | 14.2408% | 3,707 |
| Total risk-based capital ratio | 15.3177% | 3,755 |
| Memoranda: | ||
| Average total assets | $476,445,750 | 1,422 |
| Average earning assets | $436,621,750 | 1,424 |
| Average equity | $50,797,500 | 1,468 |
| Average total loans | $315,402,750 | 1,412 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7600% | 4,208 |
| Cost of funding earning assets | 0.3812% | 3,475 |
| Net interest margin | 3.3788% | 3,973 |
| Noninterest income to average assets | 1.0665% | 1,055 |
| Noninterest expense to average assets | 2.7895% | 3,274 |
| Loan and lease loss provision to assets | 0.0256% | 3,621 |
| Net operating income to assets | 0.9764% | 2,515 |
| Return on assets (ROA) | 0.9951% | 2,523 |
| Pretax return on assets | 1.3725% | 2,097 |
| Return on Equity (ROE) | 9.4151% | 2,332 |
| Retained earnings to average equity (ytd only) | -7.1665% | 6,097 |
| Net charge-offs to loans | -0.0264% | 5,274 |
| Credit loss provision to net charge-offs | -146.3415% | 4,962 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9919% | 3,840 |
| Assets per employee ($millions) | 5.2306% | 2,009 |
| Cash dividends to net income (ytd only)* | 176.1168% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1753% | 3,938 |
| Loan loss allowance to noncurrent loans | 248.9251% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 0.3904% | 4,339 |
| Noncurrent loans to loans | 0.4721% | 4,060 |
| Net loans and leases to total assets | 63.3256% | 3,365 |
| Net loans and leases to deposits | 73.1401% | 3,600 |
| Net loans and leases to core deposits | 80.0233% | 3,381 |
| Total domestic deposits to total assets | 86.5812% | 2,385 |
| Equity capital to assets | 10.4720% | 3,471 |
| Core capital (leverage) ratio | 9.7061% | 3,993 |
| Tier 1 risk-based capital ratio | 13.7901% | 4,037 |
| Total risk-based capital ratio | 14.8649% | 4,080 |
| Memoranda: | ||
| Average total assets | $467,901,000 | 1,453 |
| Average earning assets | $428,675,330 | 1,465 |
| Average equity | $49,452,330 | 1,519 |
| Average total loans | $310,921,330 | 1,428 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7181% | 4,303 |
| Cost of funding earning assets | 0.3134% | 4,295 |
| Net interest margin | 3.4047% | 3,826 |
| Noninterest income to average assets | 0.9996% | 1,123 |
| Noninterest expense to average assets | 2.7597% | 3,386 |
| Loan and lease loss provision to assets | 0.0268% | 3,350 |
| Net operating income to assets | 0.9684% | 2,402 |
| Return on assets (ROA) | 0.9684% | 2,535 |
| Pretax return on assets | 1.3254% | 2,177 |
| Return on Equity (ROE) | 9.1153% | 2,392 |
| Retained earnings to average equity (ytd only) | -25.3295% | 6,315 |
| Net charge-offs to loans | 0.0408% | 2,411 |
| Credit loss provision to net charge-offs | 96.7742% | 1,698 |
| Earnings coverage of net charge-offs (x) | 48.8710% | 849 |
| Efficiency ratio | 67.0936% | 3,975 |
| Assets per employee ($millions) | 5.1568% | 2,165 |
| Cash dividends to net income (ytd only)* | 377.8802% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2092% | 3,922 |
| Loan loss allowance to noncurrent loans | 412.7636% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.3010% | 4,769 |
| Noncurrent loans to loans | 0.2929% | 4,735 |
| Net loans and leases to total assets | 65.4700% | 2,854 |
| Net loans and leases to deposits | 74.6853% | 3,203 |
| Net loans and leases to core deposits | 80.1469% | 3,139 |
| Total domestic deposits to total assets | 87.6611% | 2,004 |
| Equity capital to assets | 9.9520% | 4,203 |
| Core capital (leverage) ratio | 9.5847% | 4,168 |
| Tier 1 risk-based capital ratio | 12.7873% | 4,735 |
| Total risk-based capital ratio | 13.9259% | 4,716 |
| Memoranda: | ||
| Average total assets | $448,166,500 | 1,525 |
| Average earning assets | $409,671,000 | 1,527 |
| Average equity | $47,612,500 | 1,581 |
| Average total loans | $303,824,000 | 1,462 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8141% | 4,448 |
| Cost of funding earning assets | 0.3711% | 4,028 |
| Net interest margin | 3.4430% | 4,010 |
| Noninterest income to average assets | 0.9724% | 1,280 |
| Noninterest expense to average assets | 2.7078% | 3,833 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0389% | 2,218 |
| Return on assets (ROA) | 1.0873% | 2,077 |
| Pretax return on assets | 1.4540% | 1,711 |
| Return on Equity (ROE) | 10.0489% | 2,096 |
| Retained earnings to average equity (ytd only) | 7.8181% | 1,087 |
| Net charge-offs to loans | 0.1457% | 2,583 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 14.6699% | 2,141 |
| Efficiency ratio | 66.0551% | 4,236 |
| Assets per employee ($millions) | 4.8025% | 2,586 |
| Cash dividends to net income (ytd only)* | 22.1987% | 3,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2397% | 3,773 |
| Loan loss allowance to noncurrent loans | 350.9434% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 0.3676% | 4,597 |
| Noncurrent loans to loans | 0.3532% | 4,598 |
| Net loans and leases to total assets | 68.5656% | 2,482 |
| Net loans and leases to deposits | 78.3796% | 2,929 |
| Net loans and leases to core deposits | 84.1230% | 2,888 |
| Total domestic deposits to total assets | 87.4789% | 2,047 |
| Equity capital to assets | 11.3453% | 2,566 |
| Core capital (leverage) ratio | 10.7236% | 2,696 |
| Tier 1 risk-based capital ratio | 14.1696% | 3,986 |
| Total risk-based capital ratio | 15.3095% | 3,973 |
| Memoranda: | ||
| Average total assets | $435,006,400 | 1,531 |
| Average earning assets | $394,799,200 | 1,550 |
| Average equity | $47,070,000 | 1,532 |
| Average total loans | $282,706,200 | 1,506 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7973% | 4,553 |
| Cost of funding earning assets | 0.3800% | 4,017 |
| Net interest margin | 3.4173% | 4,161 |
| Noninterest income to average assets | 0.9551% | 1,350 |
| Noninterest expense to average assets | 2.6381% | 4,064 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0745% | 2,140 |
| Return on assets (ROA) | 1.0766% | 2,192 |
| Pretax return on assets | 1.4187% | 1,936 |
| Return on Equity (ROE) | 10.0703% | 2,183 |
| Retained earnings to average equity (ytd only) | 7.9234% | 1,399 |
| Net charge-offs to loans | 0.0910% | 2,912 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 24.3523% | 1,549 |
| Efficiency ratio | 65.0438% | 4,364 |
| Assets per employee ($millions) | 4.9090% | 2,368 |
| Cash dividends to net income (ytd only)* | 21.3190% | 3,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3710% | 3,298 |
| Loan loss allowance to noncurrent loans | 270.3704% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 0.4819% | 4,451 |
| Noncurrent loans to loans | 0.5071% | 4,408 |
| Net loans and leases to total assets | 64.1865% | 3,150 |
| Net loans and leases to deposits | 72.9633% | 3,569 |
| Net loans and leases to core deposits | 77.8965% | 3,551 |
| Total domestic deposits to total assets | 87.9710% | 1,788 |
| Equity capital to assets | 10.9152% | 3,053 |
| Core capital (leverage) ratio | 10.4686% | 3,079 |
| Tier 1 risk-based capital ratio | 14.2881% | 4,033 |
| Total risk-based capital ratio | 15.5383% | 3,954 |
| Memoranda: | ||
| Average total assets | $435,702,000 | 1,534 |
| Average earning assets | $395,115,500 | 1,555 |
| Average equity | $46,578,250 | 1,550 |
| Average total loans | $278,363,500 | 1,542 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8152% | 4,469 |
| Cost of funding earning assets | 0.3925% | 3,953 |
| Net interest margin | 3.4227% | 4,092 |
| Noninterest income to average assets | 0.9376% | 1,373 |
| Noninterest expense to average assets | 2.6375% | 4,104 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0658% | 2,050 |
| Return on assets (ROA) | 1.0690% | 2,122 |
| Pretax return on assets | 1.3969% | 1,898 |
| Return on Equity (ROE) | 10.0718% | 2,116 |
| Retained earnings to average equity (ytd only) | 8.1165% | 1,285 |
| Net charge-offs to loans | 0.1395% | 2,275 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 15.7292% | 1,830 |
| Efficiency ratio | 65.4079% | 4,460 |
| Assets per employee ($millions) | 4.7367% | 2,559 |
| Cash dividends to net income (ytd only)* | 19.4133% | 3,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4063% | 3,318 |
| Loan loss allowance to noncurrent loans | 348.0565% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 0.4209% | 4,743 |
| Noncurrent loans to loans | 0.4041% | 4,777 |
| Net loans and leases to total assets | 63.3858% | 3,182 |
| Net loans and leases to deposits | 75.8039% | 3,080 |
| Net loans and leases to core deposits | 79.4495% | 3,268 |
| Total domestic deposits to total assets | 83.6181% | 4,068 |
| Equity capital to assets | 10.8341% | 3,047 |
| Core capital (leverage) ratio | 10.1931% | 3,355 |
| Tier 1 risk-based capital ratio | 13.9152% | 4,310 |
| Total risk-based capital ratio | 15.1652% | 4,256 |
| Memoranda: | ||
| Average total assets | $433,667,330 | 1,544 |
| Average earning assets | $391,855,670 | 1,568 |
| Average equity | $46,029,670 | 1,557 |
| Average total loans | $275,310,670 | 1,555 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8039% | 4,476 |
| Cost of funding earning assets | 0.3987% | 3,983 |
| Net interest margin | 3.4052% | 4,092 |
| Noninterest income to average assets | 0.9366% | 1,290 |
| Noninterest expense to average assets | 2.6250% | 4,198 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0708% | 1,926 |
| Return on assets (ROA) | 1.0679% | 2,000 |
| Pretax return on assets | 1.3878% | 1,796 |
| Return on Equity (ROE) | 10.1676% | 1,973 |
| Retained earnings to average equity (ytd only) | 8.8471% | 1,296 |
| Net charge-offs to loans | -0.0073% | 4,931 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3315% | 4,639 |
| Assets per employee ($millions) | 4.6825% | 2,680 |
| Cash dividends to net income (ytd only)* | 12.9870% | 2,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5048% | 3,129 |
| Loan loss allowance to noncurrent loans | 282.1965% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.4610% | 4,758 |
| Noncurrent loans to loans | 0.5333% | 4,577 |
| Net loans and leases to total assets | 62.8562% | 3,096 |
| Net loans and leases to deposits | 72.2553% | 3,304 |
| Net loans and leases to core deposits | 75.5819% | 3,453 |
| Total domestic deposits to total assets | 86.9918% | 2,814 |
| Equity capital to assets | 10.6927% | 3,046 |
| Core capital (leverage) ratio | 10.2447% | 3,224 |
| Tier 1 risk-based capital ratio | 13.8770% | 4,412 |
| Total risk-based capital ratio | 15.1279% | 4,362 |
| Memoranda: | ||
| Average total assets | $432,614,500 | 1,552 |
| Average earning assets | $391,285,500 | 1,577 |
| Average equity | $45,438,500 | 1,571 |
| Average total loans | $272,887,000 | 1,569 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8383% | 4,664 |
| Cost of funding earning assets | 0.4822% | 3,793 |
| Net interest margin | 3.3561% | 4,459 |
| Noninterest income to average assets | 1.0709% | 1,232 |
| Noninterest expense to average assets | 2.7845% | 3,781 |
| Loan and lease loss provision to assets | 0.0412% | 4,293 |
| Net operating income to assets | 1.0309% | 2,196 |
| Return on assets (ROA) | 1.0510% | 2,185 |
| Pretax return on assets | 1.3130% | 2,099 |
| Return on Equity (ROE) | 10.5317% | 1,914 |
| Retained earnings to average equity (ytd only) | 10.0846% | 553 |
| Net charge-offs to loans | 0.1115% | 3,711 |
| Credit loss provision to net charge-offs | 64.0569% | 3,450 |
| Earnings coverage of net charge-offs (x) | 20.6726% | 1,536 |
| Efficiency ratio | 67.6585% | 4,261 |
| Assets per employee ($millions) | 4.8813% | 2,335 |
| Cash dividends to net income (ytd only)* | 4.2447% | 4,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5255% | 3,067 |
| Loan loss allowance to noncurrent loans | 281.2798% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.5280% | 4,659 |
| Noncurrent loans to loans | 0.5424% | 4,637 |
| Net loans and leases to total assets | 61.3956% | 3,463 |
| Net loans and leases to deposits | 71.6913% | 3,568 |
| Net loans and leases to core deposits | 75.1400% | 3,709 |
| Total domestic deposits to total assets | 85.6389% | 3,436 |
| Equity capital to assets | 10.3154% | 3,382 |
| Core capital (leverage) ratio | 9.7634% | 3,892 |
| Tier 1 risk-based capital ratio | 13.3146% | 4,778 |
| Total risk-based capital ratio | 14.5655% | 4,716 |
| Memoranda: | ||
| Average total assets | $437,097,400 | 1,515 |
| Average earning assets | $396,269,200 | 1,525 |
| Average equity | $43,620,800 | 1,604 |
| Average total loans | $251,907,600 | 1,649 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8225% | 4,763 |
| Cost of funding earning assets | 0.4983% | 3,782 |
| Net interest margin | 3.3243% | 4,551 |
| Noninterest income to average assets | 0.9731% | 1,528 |
| Noninterest expense to average assets | 2.7771% | 3,741 |
| Loan and lease loss provision to assets | 0.0548% | 3,942 |
| Net operating income to assets | 0.9398% | 2,641 |
| Return on assets (ROA) | 0.9807% | 2,568 |
| Pretax return on assets | 1.2113% | 2,653 |
| Return on Equity (ROE) | 9.9099% | 2,220 |
| Retained earnings to average equity (ytd only) | 9.3098% | 964 |
| Net charge-offs to loans | 0.0852% | 3,730 |
| Credit loss provision to net charge-offs | 113.9241% | 2,066 |
| Earnings coverage of net charge-offs (x) | 25.2597% | 1,391 |
| Efficiency ratio | 69.5248% | 3,832 |
| Assets per employee ($millions) | 5.0569% | 2,097 |
| Cash dividends to net income (ytd only)* | 6.0558% | 3,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6347% | 2,871 |
| Loan loss allowance to noncurrent loans | 279.5664% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 0.5072% | 4,928 |
| Noncurrent loans to loans | 0.5847% | 4,741 |
| Net loans and leases to total assets | 59.5677% | 3,765 |
| Net loans and leases to deposits | 69.8526% | 3,809 |
| Net loans and leases to core deposits | 73.3615% | 3,925 |
| Total domestic deposits to total assets | 85.2763% | 3,596 |
| Equity capital to assets | 10.1580% | 3,689 |
| Core capital (leverage) ratio | 9.0842% | 4,991 |
| Tier 1 risk-based capital ratio | 12.8775% | 5,207 |
| Total risk-based capital ratio | 14.1299% | 5,145 |
| Memoranda: | ||
| Average total assets | $437,762,250 | 1,525 |
| Average earning assets | $397,631,750 | 1,533 |
| Average equity | $43,322,500 | 1,628 |
| Average total loans | $247,170,000 | 1,680 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7400% | 5,021 |
| Cost of funding earning assets | 0.4866% | 4,021 |
| Net interest margin | 3.2534% | 4,758 |
| Noninterest income to average assets | 1.1083% | 1,236 |
| Noninterest expense to average assets | 2.5151% | 4,671 |
| Loan and lease loss provision to assets | 0.0757% | 3,534 |
| Net operating income to assets | 1.1649% | 1,684 |
| Return on assets (ROA) | 1.1809% | 1,748 |
| Pretax return on assets | 1.4900% | 1,647 |
| Return on Equity (ROE) | 12.8900% | 1,267 |
| Retained earnings to average equity (ytd only) | 12.8900% | 397 |
| Net charge-offs to loans | -0.0937% | 6,486 |
| Credit loss provision to net charge-offs | -146.3415% | 5,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8922% | 5,187 |
| Assets per employee ($millions) | 5.0679% | 2,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6646% | 2,923 |
| Loan loss allowance to noncurrent loans | 319.1781% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.4878% | 5,047 |
| Noncurrent loans to loans | 0.5215% | 4,963 |
| Net loans and leases to total assets | 57.8812% | 4,008 |
| Net loans and leases to deposits | 67.1831% | 4,117 |
| Net loans and leases to core deposits | 69.9858% | 4,280 |
| Total domestic deposits to total assets | 86.1545% | 3,284 |
| Equity capital to assets | 9.4226% | 4,684 |
| Core capital (leverage) ratio | 8.3550% | 5,817 |
| Tier 1 risk-based capital ratio | 12.3217% | 5,611 |
| Total risk-based capital ratio | 13.5739% | 5,560 |
| Memoranda: | ||
| Average total assets | $317,049,000 | 2,040 |
| Average earning assets | $287,697,000 | 2,077 |
| Average equity | $29,045,670 | 2,340 |
| Average total loans | $174,942,330 | 2,254 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6834% | 5,222 |
| Cost of funding earning assets | 0.4976% | 4,115 |
| Net interest margin | 3.1857% | 4,971 |
| Noninterest income to average assets | 1.1825% | 1,071 |
| Noninterest expense to average assets | 2.4236% | 5,042 |
| Loan and lease loss provision to assets | 0.0748% | 3,383 |
| Net operating income to assets | 1.2139% | 1,493 |
| Return on assets (ROA) | 1.2237% | 1,571 |
| Pretax return on assets | 1.5763% | 1,360 |
| Return on Equity (ROE) | 13.5430% | 1,045 |
| Retained earnings to average equity (ytd only) | 13.5430% | 492 |
| Net charge-offs to loans | -0.2403% | 6,721 |
| Credit loss provision to net charge-offs | -58.2524% | 5,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6319% | 5,639 |
| Assets per employee ($millions) | 5.3669% | 1,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6812% | 3,088 |
| Loan loss allowance to noncurrent loans | 309.2037% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 0.4894% | 5,152 |
| Noncurrent loans to loans | 0.5437% | 5,085 |
| Net loans and leases to total assets | 54.3014% | 4,357 |
| Net loans and leases to deposits | 61.9539% | 4,556 |
| Net loans and leases to core deposits | 64.3828% | 4,703 |
| Total domestic deposits to total assets | 87.6481% | 2,543 |
| Equity capital to assets | 9.1139% | 5,356 |
| Core capital (leverage) ratio | 8.1502% | 5,989 |
| Tier 1 risk-based capital ratio | 12.0971% | 5,854 |
| Total risk-based capital ratio | 13.3493% | 5,799 |
| Memoranda: | ||
| Average total assets | $321,003,500 | 2,040 |
| Average earning assets | $290,170,500 | 2,075 |
| Average equity | $29,004,000 | 2,377 |
| Average total loans | $171,432,000 | 2,309 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7772% | 5,885 |
| Cost of funding earning assets | 0.6718% | 3,724 |
| Net interest margin | 3.1054% | 5,800 |
| Noninterest income to average assets | 1.2690% | 966 |
| Noninterest expense to average assets | 4.7235% | 467 |
| Loan and lease loss provision to assets | 0.0873% | 4,604 |
| Net operating income to assets | -0.1422% | 6,331 |
| Return on assets (ROA) | -0.0839% | 6,373 |
| Pretax return on assets | -0.6524% | 6,637 |
| Return on Equity (ROE) | -0.9694% | 6,383 |
| Retained earnings to average equity (ytd only) | -1.6722% | 6,114 |
| Net charge-offs to loans | 0.2820% | 3,253 |
| Credit loss provision to net charge-offs | 64.2202% | 4,336 |
| Earnings coverage of net charge-offs (x) | -4.8257% | 5,906 |
| Efficiency ratio | 116.0865% | 247 |
| Assets per employee ($millions) | 5.1612% | 2,031 |
| Cash dividends to net income (ytd only)* | -72.4907% | 7,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7132% | 2,885 |
| Loan loss allowance to noncurrent loans | 253.3154% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.7256% | 4,668 |
| Noncurrent loans to loans | 0.6763% | 4,847 |
| Net loans and leases to total assets | 50.6852% | 5,076 |
| Net loans and leases to deposits | 57.7658% | 5,267 |
| Net loans and leases to core deposits | 58.8076% | 5,473 |
| Total domestic deposits to total assets | 87.7425% | 2,382 |
| Equity capital to assets | 8.9564% | 5,569 |
| Core capital (leverage) ratio | 7.7274% | 6,389 |
| Tier 1 risk-based capital ratio | 12.1733% | 5,673 |
| Total risk-based capital ratio | 13.4251% | 5,630 |
| Memoranda: | ||
| Average total assets | $320,649,600 | 2,004 |
| Average earning assets | $288,945,800 | 2,052 |
| Average equity | $27,747,800 | 2,418 |
| Average total loans | $154,595,600 | 2,509 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7891% | 6,048 |
| Cost of funding earning assets | 0.7019% | 3,754 |
| Net interest margin | 3.0872% | 5,969 |
| Noninterest income to average assets | 0.9584% | 1,645 |
| Noninterest expense to average assets | 2.5327% | 4,979 |
| Loan and lease loss provision to assets | 0.1164% | 4,106 |
| Net operating income to assets | 0.8849% | 3,054 |
| Return on assets (ROA) | 0.8944% | 3,239 |
| Pretax return on assets | 1.1105% | 3,315 |
| Return on Equity (ROE) | 10.4262% | 2,163 |
| Retained earnings to average equity (ytd only) | 9.4814% | 1,070 |
| Net charge-offs to loans | 0.3930% | 2,522 |
| Credit loss provision to net charge-offs | 62.5000% | 4,084 |
| Earnings coverage of net charge-offs (x) | 6.5268% | 2,770 |
| Efficiency ratio | 67.5316% | 4,167 |
| Assets per employee ($millions) | 5.2584% | 1,876 |
| Cash dividends to net income (ytd only)* | 9.0612% | 3,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7855% | 2,839 |
| Loan loss allowance to noncurrent loans | 213.7434% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 0.8330% | 4,624 |
| Noncurrent loans to loans | 0.8353% | 4,745 |
| Net loans and leases to total assets | 48.2736% | 5,513 |
| Net loans and leases to deposits | 57.5331% | 5,478 |
| Net loans and leases to core deposits | 59.5073% | 5,603 |
| Total domestic deposits to total assets | 83.9059% | 4,270 |
| Equity capital to assets | 8.9755% | 5,848 |
| Core capital (leverage) ratio | 8.8678% | 5,243 |
| Tier 1 risk-based capital ratio | 14.6610% | 4,078 |
| Total risk-based capital ratio | 15.9132% | 4,039 |
| Memoranda: | ||
| Average total assets | $320,813,750 | 2,026 |
| Average earning assets | $289,874,500 | 2,063 |
| Average equity | $27,519,750 | 2,456 |
| Average total loans | $151,990,500 | 2,579 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7796% | 6,193 |
| Cost of funding earning assets | 0.7322% | 3,745 |
| Net interest margin | 3.0474% | 6,129 |
| Noninterest income to average assets | 0.9488% | 1,616 |
| Noninterest expense to average assets | 2.5010% | 5,134 |
| Loan and lease loss provision to assets | 0.1745% | 3,358 |
| Net operating income to assets | 0.8357% | 3,215 |
| Return on assets (ROA) | 0.8403% | 3,462 |
| Pretax return on assets | 1.0292% | 3,601 |
| Return on Equity (ROE) | 9.9497% | 2,377 |
| Retained earnings to average equity (ytd only) | 8.5104% | 1,447 |
| Net charge-offs to loans | 0.5423% | 1,970 |
| Credit loss provision to net charge-offs | 68.7961% | 3,595 |
| Earnings coverage of net charge-offs (x) | 4.7224% | 3,002 |
| Efficiency ratio | 67.5598% | 4,221 |
| Assets per employee ($millions) | 5.4059% | 1,700 |
| Cash dividends to net income (ytd only)* | 14.4659% | 3,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9104% | 2,521 |
| Loan loss allowance to noncurrent loans | 140.1374% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 1.0290% | 4,323 |
| Noncurrent loans to loans | 1.3633% | 3,878 |
| Net loans and leases to total assets | 43.7512% | 6,040 |
| Net loans and leases to deposits | 50.9080% | 6,115 |
| Net loans and leases to core deposits | 52.4621% | 6,206 |
| Total domestic deposits to total assets | 85.9416% | 3,382 |
| Equity capital to assets | 8.3075% | 6,377 |
| Core capital (leverage) ratio | 8.7078% | 5,367 |
| Tier 1 risk-based capital ratio | 14.7285% | 3,949 |
| Total risk-based capital ratio | 15.9817% | 3,906 |
| Memoranda: | ||
| Average total assets | $320,830,670 | 2,021 |
| Average earning assets | $289,556,000 | 2,058 |
| Average equity | $27,096,330 | 2,475 |
| Average total loans | $150,101,000 | 2,614 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8649% | 6,101 |
| Cost of funding earning assets | 0.7921% | 3,534 |
| Net interest margin | 3.0728% | 6,122 |
| Noninterest income to average assets | 0.9144% | 1,687 |
| Noninterest expense to average assets | 2.5735% | 4,907 |
| Loan and lease loss provision to assets | 0.1913% | 3,038 |
| Net operating income to assets | 0.7652% | 3,541 |
| Return on assets (ROA) | 0.7652% | 3,780 |
| Pretax return on assets | 0.9003% | 4,030 |
| Return on Equity (ROE) | 8.9812% | 2,845 |
| Retained earnings to average equity (ytd only) | 6.0623% | 2,916 |
| Net charge-offs to loans | 0.3324% | 2,324 |
| Credit loss provision to net charge-offs | 120.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 6.8480% | 2,147 |
| Efficiency ratio | 70.1809% | 3,777 |
| Assets per employee ($millions) | 5.1943% | 1,996 |
| Cash dividends to net income (ytd only)* | 32.5000% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9832% | 2,411 |
| Loan loss allowance to noncurrent loans | 60.4502% | 4,505 |
| Noncurrent assets plus other real estate owned to assets | 1.9563% | 2,966 |
| Noncurrent loans to loans | 3.2807% | 1,949 |
| Net loans and leases to total assets | 45.4306% | 5,849 |
| Net loans and leases to deposits | 54.2196% | 5,788 |
| Net loans and leases to core deposits | 55.9552% | 5,908 |
| Total domestic deposits to total assets | 83.7901% | 4,598 |
| Equity capital to assets | 8.1707% | 6,394 |
| Core capital (leverage) ratio | 8.8574% | 5,052 |
| Tier 1 risk-based capital ratio | 14.3935% | 4,183 |
| Total risk-based capital ratio | 15.6477% | 4,147 |
| Memoranda: | ||
| Average total assets | $313,663,000 | 2,071 |
| Average earning assets | $280,782,500 | 2,125 |
| Average equity | $26,722,500 | 2,500 |
| Average total loans | $150,404,000 | 2,624 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2183% | 6,005 |
| Cost of funding earning assets | 0.9702% | 3,579 |
| Net interest margin | 3.2481% | 5,966 |
| Noninterest income to average assets | 1.0960% | 1,106 |
| Noninterest expense to average assets | 2.7508% | 4,547 |
| Loan and lease loss provision to assets | 0.2045% | 4,141 |
| Net operating income to assets | 0.8880% | 2,654 |
| Return on assets (ROA) | 0.8986% | 2,744 |
| Pretax return on assets | 1.0983% | 2,844 |
| Return on Equity (ROE) | 10.4316% | 1,898 |
| Retained earnings to average equity (ytd only) | 7.6546% | 1,206 |
| Net charge-offs to loans | 0.5962% | 2,659 |
| Credit loss provision to net charge-offs | 67.4916% | 4,947 |
| Earnings coverage of net charge-offs (x) | 4.2576% | 3,197 |
| Efficiency ratio | 68.0273% | 4,350 |
| Assets per employee ($millions) | 4.6888% | 2,620 |
| Cash dividends to net income (ytd only)* | 26.6212% | 3,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0003% | 2,275 |
| Loan loss allowance to noncurrent loans | 61.9651% | 4,408 |
| Noncurrent assets plus other real estate owned to assets | 2.1861% | 2,750 |
| Noncurrent loans to loans | 3.2280% | 2,003 |
| Net loans and leases to total assets | 48.7027% | 5,751 |
| Net loans and leases to deposits | 58.7704% | 5,624 |
| Net loans and leases to core deposits | 59.8156% | 5,864 |
| Total domestic deposits to total assets | 82.8693% | 4,802 |
| Equity capital to assets | 8.8999% | 5,676 |
| Core capital (leverage) ratio | 8.8607% | 5,007 |
| Tier 1 risk-based capital ratio | 14.4980% | 3,977 |
| Total risk-based capital ratio | 15.7525% | 3,949 |
| Memoranda: | ||
| Average total assets | $293,441,400 | 2,175 |
| Average earning assets | $266,028,400 | 2,196 |
| Average equity | $25,279,000 | 2,546 |
| Average total loans | $149,106,000 | 2,655 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2642% | 6,049 |
| Cost of funding earning assets | 0.9906% | 3,743 |
| Net interest margin | 3.2736% | 5,937 |
| Noninterest income to average assets | 0.9852% | 1,373 |
| Noninterest expense to average assets | 2.7901% | 4,380 |
| Loan and lease loss provision to assets | 0.2056% | 3,965 |
| Net operating income to assets | 0.8120% | 3,096 |
| Return on assets (ROA) | 0.8266% | 3,199 |
| Pretax return on assets | 0.9802% | 3,474 |
| Return on Equity (ROE) | 9.6780% | 2,318 |
| Retained earnings to average equity (ytd only) | 8.7952% | 1,216 |
| Net charge-offs to loans | 0.7896% | 1,980 |
| Credit loss provision to net charge-offs | 50.9626% | 5,020 |
| Earnings coverage of net charge-offs (x) | 2.8958% | 3,694 |
| Efficiency ratio | 70.4375% | 3,871 |
| Assets per employee ($millions) | 4.8749% | 2,361 |
| Cash dividends to net income (ytd only)* | 9.1209% | 3,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8754% | 2,701 |
| Loan loss allowance to noncurrent loans | 68.4096% | 4,024 |
| Noncurrent assets plus other real estate owned to assets | 1.9964% | 3,144 |
| Noncurrent loans to loans | 2.7414% | 2,553 |
| Net loans and leases to total assets | 49.1465% | 5,817 |
| Net loans and leases to deposits | 60.6660% | 5,559 |
| Net loans and leases to core deposits | 61.6779% | 5,841 |
| Total domestic deposits to total assets | 81.0116% | 5,430 |
| Equity capital to assets | 8.8330% | 5,944 |
| Core capital (leverage) ratio | 8.9394% | 5,031 |
| Tier 1 risk-based capital ratio | 14.3426% | 4,096 |
| Total risk-based capital ratio | 15.5961% | 4,057 |
| Memoranda: | ||
| Average total assets | $291,781,250 | 2,198 |
| Average earning assets | $265,021,750 | 2,212 |
| Average equity | $24,922,000 | 2,576 |
| Average total loans | $149,099,750 | 2,675 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3340% | 5,896 |
| Cost of funding earning assets | 1.0097% | 3,891 |
| Net interest margin | 3.3243% | 5,789 |
| Noninterest income to average assets | 0.9629% | 1,420 |
| Noninterest expense to average assets | 2.7770% | 4,519 |
| Loan and lease loss provision to assets | 0.2081% | 3,845 |
| Net operating income to assets | 0.8335% | 2,933 |
| Return on assets (ROA) | 0.8422% | 2,991 |
| Pretax return on assets | 1.0031% | 3,225 |
| Return on Equity (ROE) | 9.9793% | 2,120 |
| Retained earnings to average equity (ytd only) | 9.9793% | 843 |
| Net charge-offs to loans | 0.5056% | 2,587 |
| Credit loss provision to net charge-offs | 80.0000% | 3,771 |
| Earnings coverage of net charge-offs (x) | 4.6160% | 2,815 |
| Efficiency ratio | 69.7593% | 4,161 |
| Assets per employee ($millions) | 4.4982% | 2,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1368% | 2,040 |
| Loan loss allowance to noncurrent loans | 56.6141% | 4,636 |
| Noncurrent assets plus other real estate owned to assets | 2.3213% | 2,835 |
| Noncurrent loans to loans | 3.7743% | 1,853 |
| Net loans and leases to total assets | 50.0780% | 5,807 |
| Net loans and leases to deposits | 60.9139% | 5,627 |
| Net loans and leases to core deposits | 61.8461% | 5,912 |
| Total domestic deposits to total assets | 82.2111% | 5,093 |
| Equity capital to assets | 8.7293% | 5,904 |
| Core capital (leverage) ratio | 8.7958% | 5,056 |
| Tier 1 risk-based capital ratio | 14.1262% | 4,078 |
| Total risk-based capital ratio | 15.3822% | 4,042 |
| Memoranda: | ||
| Average total assets | $288,294,000 | 2,225 |
| Average earning assets | $261,466,330 | 2,241 |
| Average equity | $24,330,330 | 2,628 |
| Average total loans | $148,339,330 | 2,710 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3401% | 5,886 |
| Cost of funding earning assets | 1.0260% | 4,018 |
| Net interest margin | 3.3141% | 5,727 |
| Noninterest income to average assets | 0.9111% | 1,627 |
| Noninterest expense to average assets | 2.8087% | 4,402 |
| Loan and lease loss provision to assets | 0.2096% | 3,549 |
| Net operating income to assets | 0.7728% | 3,156 |
| Return on assets (ROA) | 0.7728% | 3,227 |
| Pretax return on assets | 0.8943% | 3,517 |
| Return on Equity (ROE) | 9.3200% | 2,341 |
| Retained earnings to average equity (ytd only) | 9.3200% | 1,289 |
| Net charge-offs to loans | 0.0325% | 4,645 |
| Credit loss provision to net charge-offs | 1,250.0000% | 315 |
| Earnings coverage of net charge-offs (x) | 65.8333% | 458 |
| Efficiency ratio | 71.7500% | 3,920 |
| Assets per employee ($millions) | 4.5891% | 2,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2481% | 1,863 |
| Loan loss allowance to noncurrent loans | 84.5524% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 1.8322% | 3,524 |
| Noncurrent loans to loans | 2.6588% | 2,833 |
| Net loans and leases to total assets | 52.1137% | 5,571 |
| Net loans and leases to deposits | 63.5577% | 5,317 |
| Net loans and leases to core deposits | 65.3220% | 5,582 |
| Total domestic deposits to total assets | 81.9944% | 5,319 |
| Equity capital to assets | 8.4471% | 5,983 |
| Core capital (leverage) ratio | 8.5141% | 5,427 |
| Tier 1 risk-based capital ratio | 13.4355% | 4,472 |
| Total risk-based capital ratio | 14.6926% | 4,449 |
| Memoranda: | ||
| Average total assets | $286,249,000 | 2,260 |
| Average earning assets | $259,257,500 | 2,274 |
| Average equity | $23,734,000 | 2,668 |
| Average total loans | $147,700,500 | 2,744 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6593% | 5,925 |
| Cost of funding earning assets | 1.1521% | 4,843 |
| Net interest margin | 3.5072% | 5,222 |
| Noninterest income to average assets | 1.0309% | 1,412 |
| Noninterest expense to average assets | 3.0852% | 3,525 |
| Loan and lease loss provision to assets | 0.7488% | 2,192 |
| Net operating income to assets | 0.3940% | 4,569 |
| Return on assets (ROA) | 0.4793% | 4,354 |
| Pretax return on assets | 0.4411% | 4,821 |
| Return on Equity (ROE) | 5.6536% | 3,758 |
| Retained earnings to average equity (ytd only) | 2.8142% | 3,882 |
| Net charge-offs to loans | 1.2191% | 1,837 |
| Credit loss provision to net charge-offs | 111.4650% | 3,937 |
| Earnings coverage of net charge-offs (x) | 1.6444% | 4,501 |
| Efficiency ratio | 73.5830% | 3,476 |
| Assets per employee ($millions) | 4.7209% | 2,534 |
| Cash dividends to net income (ytd only)* | 50.2232% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2767% | 1,732 |
| Loan loss allowance to noncurrent loans | 75.8461% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 1.9078% | 3,461 |
| Noncurrent loans to loans | 3.0018% | 2,550 |
| Net loans and leases to total assets | 48.7693% | 6,298 |
| Net loans and leases to deposits | 59.7850% | 6,079 |
| Net loans and leases to core deposits | 62.0374% | 6,235 |
| Total domestic deposits to total assets | 81.5745% | 5,332 |
| Equity capital to assets | 8.1375% | 6,335 |
| Core capital (leverage) ratio | 8.3229% | 5,653 |
| Tier 1 risk-based capital ratio | 13.9685% | 3,891 |
| Total risk-based capital ratio | 15.2258% | 3,855 |
| Memoranda: | ||
| Average total assets | $280,433,800 | 2,280 |
| Average earning assets | $252,593,000 | 2,323 |
| Average equity | $23,772,400 | 2,676 |
| Average total loans | $154,537,200 | 2,692 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7644% | 5,810 |
| Cost of funding earning assets | 1.1827% | 4,969 |
| Net interest margin | 3.5817% | 4,964 |
| Noninterest income to average assets | 0.9559% | 1,602 |
| Noninterest expense to average assets | 3.1371% | 3,156 |
| Loan and lease loss provision to assets | 0.2154% | 4,910 |
| Net operating income to assets | 0.6949% | 3,440 |
| Return on assets (ROA) | 0.7922% | 3,201 |
| Pretax return on assets | 0.9372% | 3,422 |
| Return on Equity (ROE) | 9.2493% | 2,408 |
| Retained earnings to average equity (ytd only) | 5.4769% | 2,665 |
| Net charge-offs to loans | 0.8496% | 2,324 |
| Credit loss provision to net charge-offs | 44.9102% | 5,961 |
| Earnings coverage of net charge-offs (x) | 2.1647% | 4,104 |
| Efficiency ratio | 75.0888% | 3,132 |
| Assets per employee ($millions) | 4.4395% | 3,009 |
| Cash dividends to net income (ytd only)* | 40.7856% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6172% | 3,454 |
| Loan loss allowance to noncurrent loans | 58.3819% | 4,423 |
| Noncurrent assets plus other real estate owned to assets | 1.6232% | 4,010 |
| Noncurrent loans to loans | 2.7700% | 2,870 |
| Net loans and leases to total assets | 53.6156% | 5,900 |
| Net loans and leases to deposits | 66.4393% | 5,617 |
| Net loans and leases to core deposits | 68.5026% | 5,893 |
| Total domestic deposits to total assets | 80.6987% | 5,477 |
| Equity capital to assets | 8.7919% | 5,870 |
| Core capital (leverage) ratio | 8.7483% | 5,107 |
| Tier 1 risk-based capital ratio | 13.2417% | 4,394 |
| Total risk-based capital ratio | 14.4927% | 4,365 |
| Memoranda: | ||
| Average total assets | $278,548,250 | 2,327 |
| Average earning assets | $250,377,000 | 2,368 |
| Average equity | $23,857,000 | 2,710 |
| Average total loans | $157,242,500 | 2,698 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7285% | 6,048 |
| Cost of funding earning assets | 1.2026% | 5,122 |
| Net interest margin | 3.5259% | 5,134 |
| Noninterest income to average assets | 0.9679% | 1,464 |
| Noninterest expense to average assets | 3.1609% | 3,047 |
| Loan and lease loss provision to assets | 0.2168% | 4,718 |
| Net operating income to assets | 0.6418% | 3,667 |
| Return on assets (ROA) | 0.7886% | 3,168 |
| Pretax return on assets | 0.9332% | 3,375 |
| Return on Equity (ROE) | 9.2920% | 2,352 |
| Retained earnings to average equity (ytd only) | 3.5430% | 3,850 |
| Net charge-offs to loans | 0.4923% | 3,069 |
| Credit loss provision to net charge-offs | 77.1208% | 4,782 |
| Earnings coverage of net charge-offs (x) | 3.4756% | 3,307 |
| Efficiency ratio | 76.3319% | 3,011 |
| Assets per employee ($millions) | 4.3118% | 3,188 |
| Cash dividends to net income (ytd only)* | 61.8698% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8936% | 2,426 |
| Loan loss allowance to noncurrent loans | 56.7413% | 4,532 |
| Noncurrent assets plus other real estate owned to assets | 2.0866% | 3,397 |
| Noncurrent loans to loans | 3.3372% | 2,391 |
| Net loans and leases to total assets | 54.0169% | 5,986 |
| Net loans and leases to deposits | 66.5681% | 5,739 |
| Net loans and leases to core deposits | 68.7929% | 5,987 |
| Total domestic deposits to total assets | 81.1453% | 5,353 |
| Equity capital to assets | 8.3426% | 6,367 |
| Core capital (leverage) ratio | 8.6251% | 5,197 |
| Tier 1 risk-based capital ratio | 13.1669% | 4,310 |
| Total risk-based capital ratio | 14.3660% | 4,305 |
| Memoranda: | ||
| Average total assets | $276,689,000 | 2,357 |
| Average earning assets | $248,788,330 | 2,405 |
| Average equity | $23,482,670 | 2,747 |
| Average total loans | $158,043,330 | 2,719 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8028% | 5,881 |
| Cost of funding earning assets | 1.2318% | 5,225 |
| Net interest margin | 3.5710% | 4,852 |
| Noninterest income to average assets | 0.9518% | 1,446 |
| Noninterest expense to average assets | 3.1443% | 3,083 |
| Loan and lease loss provision to assets | 0.2200% | 4,299 |
| Net operating income to assets | 0.6981% | 3,448 |
| Return on assets (ROA) | 0.6981% | 3,560 |
| Pretax return on assets | 0.7846% | 3,934 |
| Return on Equity (ROE) | 8.1530% | 2,802 |
| Retained earnings to average equity (ytd only) | 5.1555% | 3,068 |
| Net charge-offs to loans | 0.4536% | 2,687 |
| Credit loss provision to net charge-offs | 83.3333% | 3,799 |
| Earnings coverage of net charge-offs (x) | 3.8056% | 2,774 |
| Efficiency ratio | 75.7511% | 3,260 |
| Assets per employee ($millions) | 4.1900% | 3,480 |
| Cash dividends to net income (ytd only)* | 36.7647% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9010% | 2,437 |
| Loan loss allowance to noncurrent loans | 59.5669% | 4,395 |
| Noncurrent assets plus other real estate owned to assets | 2.1399% | 3,335 |
| Noncurrent loans to loans | 3.1914% | 2,501 |
| Net loans and leases to total assets | 57.3341% | 5,545 |
| Net loans and leases to deposits | 69.8880% | 5,357 |
| Net loans and leases to core deposits | 71.8787% | 5,729 |
| Total domestic deposits to total assets | 82.0372% | 5,060 |
| Equity capital to assets | 8.6675% | 5,778 |
| Core capital (leverage) ratio | 9.0048% | 4,560 |
| Tier 1 risk-based capital ratio | 12.8273% | 4,458 |
| Total risk-based capital ratio | 14.0815% | 4,431 |
| Memoranda: | ||
| Average total assets | $272,745,500 | 2,448 |
| Average earning assets | $244,189,000 | 2,500 |
| Average equity | $23,353,500 | 2,781 |
| Average total loans | $158,722,000 | 2,768 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1293% | 5,961 |
| Cost of funding earning assets | 1.4877% | 5,561 |
| Net interest margin | 3.6417% | 4,382 |
| Noninterest income to average assets | 1.1497% | 1,164 |
| Noninterest expense to average assets | 3.1746% | 3,464 |
| Loan and lease loss provision to assets | 0.4856% | 3,942 |
| Net operating income to assets | 0.6626% | 3,089 |
| Return on assets (ROA) | 0.6623% | 3,139 |
| Pretax return on assets | 0.7351% | 3,458 |
| Return on Equity (ROE) | 7.8620% | 2,428 |
| Retained earnings to average equity (ytd only) | 1.4323% | 4,064 |
| Net charge-offs to loans | 0.5830% | 3,469 |
| Credit loss provision to net charge-offs | 142.8571% | 3,365 |
| Earnings coverage of net charge-offs (x) | 3.5923% | 3,283 |
| Efficiency ratio | 72.1703% | 4,240 |
| Assets per employee ($millions) | 4.0767% | 3,663 |
| Cash dividends to net income (ytd only)* | 81.7823% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9309% | 2,190 |
| Loan loss allowance to noncurrent loans | 54.5519% | 4,719 |
| Noncurrent assets plus other real estate owned to assets | 2.3889% | 2,914 |
| Noncurrent loans to loans | 3.5396% | 2,142 |
| Net loans and leases to total assets | 56.8251% | 5,850 |
| Net loans and leases to deposits | 69.3862% | 5,682 |
| Net loans and leases to core deposits | 77.6223% | 6,285 |
| Total domestic deposits to total assets | 81.8968% | 4,997 |
| Equity capital to assets | 8.4576% | 5,955 |
| Core capital (leverage) ratio | 8.7269% | 4,879 |
| Tier 1 risk-based capital ratio | 12.4875% | 4,536 |
| Total risk-based capital ratio | 13.7418% | 4,476 |
| Memoranda: | ||
| Average total assets | $267,715,800 | 2,445 |
| Average earning assets | $238,628,000 | 2,513 |
| Average equity | $22,551,600 | 2,884 |
| Average total loans | $156,091,400 | 2,828 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1620% | 6,056 |
| Cost of funding earning assets | 1.5412% | 5,667 |
| Net interest margin | 3.6208% | 4,402 |
| Noninterest income to average assets | 1.1258% | 1,243 |
| Noninterest expense to average assets | 3.1410% | 3,496 |
| Loan and lease loss provision to assets | 0.2553% | 4,909 |
| Net operating income to assets | 0.8038% | 2,799 |
| Return on assets (ROA) | 0.8034% | 2,868 |
| Pretax return on assets | 0.9571% | 3,038 |
| Return on Equity (ROE) | 9.5473% | 2,085 |
| Retained earnings to average equity (ytd only) | 0.9220% | 4,792 |
| Net charge-offs to loans | 0.7483% | 2,489 |
| Credit loss provision to net charge-offs | 58.4192% | 6,199 |
| Earnings coverage of net charge-offs (x) | 2.7755% | 3,838 |
| Efficiency ratio | 72.0970% | 4,227 |
| Assets per employee ($millions) | 4.0094% | 3,714 |
| Cash dividends to net income (ytd only)* | 90.3428% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4720% | 3,584 |
| Loan loss allowance to noncurrent loans | 48.1396% | 5,105 |
| Noncurrent assets plus other real estate owned to assets | 2.4357% | 2,826 |
| Noncurrent loans to loans | 3.0577% | 2,478 |
| Net loans and leases to total assets | 57.3856% | 5,980 |
| Net loans and leases to deposits | 69.1498% | 6,014 |
| Net loans and leases to core deposits | 76.9137% | 6,562 |
| Total domestic deposits to total assets | 82.9874% | 4,226 |
| Equity capital to assets | 8.8062% | 5,780 |
| Core capital (leverage) ratio | 8.9542% | 4,719 |
| Tier 1 risk-based capital ratio | 12.3463% | 4,670 |
| Total risk-based capital ratio | 13.5403% | 4,657 |
| Memoranda: | ||
| Average total assets | $266,359,750 | 2,464 |
| Average earning assets | $237,473,750 | 2,547 |
| Average equity | $22,414,250 | 2,920 |
| Average total loans | $155,547,250 | 2,860 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1723% | 6,179 |
| Cost of funding earning assets | 1.5828% | 5,803 |
| Net interest margin | 3.5895% | 4,408 |
| Noninterest income to average assets | 1.1257% | 1,244 |
| Noninterest expense to average assets | 3.1385% | 3,546 |
| Loan and lease loss provision to assets | 0.0904% | 6,268 |
| Net operating income to assets | 0.8870% | 2,507 |
| Return on assets (ROA) | 0.8870% | 2,616 |
| Pretax return on assets | 1.0919% | 2,667 |
| Return on Equity (ROE) | 10.7089% | 1,790 |
| Retained earnings to average equity (ytd only) | -2.4727% | 5,855 |
| Net charge-offs to loans | 0.9572% | 1,818 |
| Credit loss provision to net charge-offs | 16.1507% | 6,156 |
| Earnings coverage of net charge-offs (x) | 2.1131% | 4,016 |
| Efficiency ratio | 72.5863% | 4,282 |
| Assets per employee ($millions) | 2.9244% | 6,326 |
| Cash dividends to net income (ytd only)* | 123.0900% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3071% | 4,230 |
| Loan loss allowance to noncurrent loans | 41.4738% | 5,588 |
| Noncurrent assets plus other real estate owned to assets | 2.4545% | 2,627 |
| Noncurrent loans to loans | 3.1516% | 2,265 |
| Net loans and leases to total assets | 57.9665% | 5,968 |
| Net loans and leases to deposits | 70.3654% | 5,947 |
| Net loans and leases to core deposits | 77.1180% | 6,601 |
| Total domestic deposits to total assets | 82.3793% | 4,529 |
| Equity capital to assets | 8.2174% | 6,466 |
| Core capital (leverage) ratio | 8.5449% | 5,365 |
| Tier 1 risk-based capital ratio | 12.5138% | 4,510 |
| Total risk-based capital ratio | 13.6073% | 4,558 |
| Memoranda: | ||
| Average total assets | $265,603,000 | 2,481 |
| Average earning assets | $236,412,000 | 2,559 |
| Average equity | $22,000,330 | 2,971 |
| Average total loans | $155,243,670 | 2,902 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2426% | 6,146 |
| Cost of funding earning assets | 1.6036% | 6,020 |
| Net interest margin | 3.6389% | 4,143 |
| Noninterest income to average assets | 1.0884% | 1,259 |
| Noninterest expense to average assets | 2.9773% | 3,863 |
| Loan and lease loss provision to assets | 0.0904% | 5,804 |
| Net operating income to assets | 0.9799% | 2,395 |
| Return on assets (ROA) | 0.9799% | 2,525 |
| Pretax return on assets | 1.2361% | 2,493 |
| Return on Equity (ROE) | 11.7826% | 1,732 |
| Retained earnings to average equity (ytd only) | 8.1572% | 1,749 |
| Net charge-offs to loans | 0.8377% | 1,554 |
| Credit loss provision to net charge-offs | 18.5185% | 5,088 |
| Earnings coverage of net charge-offs (x) | 2.7160% | 3,402 |
| Efficiency ratio | 69.1419% | 4,748 |
| Assets per employee ($millions) | 2.8714% | 6,470 |
| Cash dividends to net income (ytd only)* | 30.7692% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5459% | 2,734 |
| Loan loss allowance to noncurrent loans | 63.1441% | 4,418 |
| Noncurrent assets plus other real estate owned to assets | 1.9799% | 2,936 |
| Noncurrent loans to loans | 2.4482% | 2,695 |
| Net loans and leases to total assets | 56.6786% | 6,143 |
| Net loans and leases to deposits | 69.6526% | 6,012 |
| Net loans and leases to core deposits | 77.7547% | 6,552 |
| Total domestic deposits to total assets | 81.3733% | 4,804 |
| Equity capital to assets | 8.3847% | 6,262 |
| Core capital (leverage) ratio | 9.3222% | 4,210 |
| Tier 1 risk-based capital ratio | 12.9734% | 4,196 |
| Total risk-based capital ratio | 14.2240% | 4,123 |
| Memoranda: | ||
| Average total assets | $265,345,000 | 2,503 |
| Average earning assets | $234,465,500 | 2,592 |
| Average equity | $22,066,500 | 2,965 |
| Average total loans | $154,714,000 | 2,930 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9192% | 5,948 |
| Cost of funding earning assets | 2.2663% | 5,307 |
| Net interest margin | 3.6528% | 4,664 |
| Noninterest income to average assets | 1.1767% | 1,109 |
| Noninterest expense to average assets | 2.9591% | 4,232 |
| Loan and lease loss provision to assets | 0.1676% | 5,237 |
| Net operating income to assets | 1.0071% | 2,528 |
| Return on assets (ROA) | 1.0184% | 2,367 |
| Pretax return on assets | 1.2717% | 2,402 |
| Return on Equity (ROE) | 12.4362% | 1,463 |
| Retained earnings to average equity (ytd only) | 9.3294% | 549 |
| Net charge-offs to loans | 0.1318% | 4,904 |
| Credit loss provision to net charge-offs | 213.3333% | 2,263 |
| Earnings coverage of net charge-offs (x) | 18.1381% | 1,723 |
| Efficiency ratio | 67.4432% | 4,831 |
| Assets per employee ($millions) | 2.7451% | 6,688 |
| Cash dividends to net income (ytd only)* | 24.9816% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7307% | 1,823 |
| Loan loss allowance to noncurrent loans | 130.0488% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 1.2424% | 3,741 |
| Noncurrent loans to loans | 1.3308% | 3,850 |
| Net loans and leases to total assets | 58.0485% | 6,190 |
| Net loans and leases to deposits | 70.1174% | 6,268 |
| Net loans and leases to core deposits | 77.7296% | 6,759 |
| Total domestic deposits to total assets | 82.7875% | 3,862 |
| Equity capital to assets | 8.2452% | 6,484 |
| Core capital (leverage) ratio | 8.9666% | 4,789 |
| Tier 1 risk-based capital ratio | 12.9057% | 4,158 |
| Total risk-based capital ratio | 14.1585% | 4,084 |
| Memoranda: | ||
| Average total assets | $267,274,000 | 2,403 |
| Average earning assets | $234,695,000 | 2,510 |
| Average equity | $21,887,800 | 2,989 |
| Average total loans | $159,348,000 | 2,779 |